Refinance Your Home

There may be several reasons to refinance your home. These include raising cash to pay debts or for investment on one hand. And on the other you may choose to refinance your home in order to take advantage of a lower interest rate and repayment terms on your mortgage. When you refinance your home because of large debts the process is better termed debt restructuring. A common reason to refinance is to convert your mortgage from a variable rate with a balloon to a fix rate with a long term. Debt consolidation is often why you will choose to refinance your home. You usually get a better rate over all and just one monthly payment to make. And, the mortgage interest payments on your home are tax deductible.

Risks When You Refinance Your Home

When you repay a fixed term loan early there are often call provisions or penalty clauses as well as closing fees transaction fees on the refinancing process. Sit down and calculate these costs before you refinance your home as there are times when the costs of refinancing hour outweigh the benefits. Another thing to consider is even if you get a lower interest rate and a very long term loan, the long term payments in interest may be considerable. You may find yourself paying a lot longer that you thought and paying a lot more than you bargained for. A wise man once said that there is no problem that cannot be solved in a quiet room with paper and pencil. Consider this approach when deciding if the risks and costs outweigh the benefits of refinancing your home.

Paying Points or Not

When you refinance your home you often need to pay a percentage of the loan total up front. This payment is what they are talking about when they refer to points. One point is one percent. Very commonly the more points you pay the lower interest rate you get. And when lenders really want to be loaning out money they may actually pay your points for you! These loan discounts are often referred to as negative points.


If you need to refinance your home find out if you qualify for a HARP mortgage. HARP stands for Home Affordable Refinance Program. The Federal Housing Finance Agency set up this program in March of 2009 in the wake of the collapse of the United States residential housing bubble. The purpose of a HARP mortgage is to help homeowners whose payments on their mortgage are current but who are unable to refinance because home values fell dramatically. This is a program for folks whose mortgages commonly exceed the values of their homes, who are still making payments and who need an option for refinancing a home.

Are You a Veteran?

Veterans of United States military service qualify for VA loans. This option may be of help if you are a veteran of United States military service. The Veteran’s Administration offers Interest Rate Reduction Refinances IRRR for Veteran Home Owners who wish to reduce their interest rate, with no appraisal.


A viable option for a new mortgage or for refinancing your home is an FHA home loan. Check out this option when you need to refinance your home.

The Best Choice for You

There are several ways to refinance your home several reasons why you might want to. For help finding the right choice for you consider dealing with someone who connects borrowers to lenders for a living. Take a look at this offer which we found while researching this article.

Do You Need Help Finding a Job?

Do you need help finding a job? It used to be that you could just walk down the street and check out the help wanted signs or check with local businesses that were always looking for workers. Today it can be harder to find a job and especially a job that pays the bills and a little more. Today’s version of walking down the street is a visit to the internet where there are lots of online employment services. You can post a resume and wait or look to see what sort or jobs are listed that fit you skills and experience. If this has not worked out for you there are services that can give you a little more help finding a job. Visit this service which we ran across while researching this article. In the meantime here are a few things that you can do if you need help finding a job.

Stay Busy and Get Organized

Most experts in this field suggest that when you are looking for work you should consider your job to be just that, searching for jobs. Get up on time in the morning and start looking for work. One of your first steps should be to write down on a piece of paper or in a file on your computer the kinds of jobs you are looking for. Also make a list of your skills and your experience. Where we are heading with this is the fact that getting job is often easier if you can provide a resume listing what you have done and what you can do. If you have a list of impressive jobs and do not have an extended period of unemployment the best sort of resume lists your jobs and responsibilities, most recent first. If you have been out of work for a while or a young and without a lot of work experience use a skills based resume. There is nothing wrong with saying that you are a hard worker, get along well with others, can work independently and are able to take orders and get jobs done on time. Many times employers are more interested in someone with a good attitude and energy level than in someone with years of experience who is not too happy to be looking for a lower paying job with less responsibility than in their last position.

Practice, Practice, Practice

Do you need help finding a job? Your best help is you. Go out and interview for any and all jobs that are available. This gives you multiple chances to practice your interviewing skills and get some feedback. In fact, many companies may be advertising for one job but have others for which they will consider you once they meet you and know what you can do for them. On the other hand many people work in jobs which were not their first choice but which worked out well for them and which they would not now choose to leave.

Do You Still Need Help Finding a Job?

There are a lot of reasons why you may find it difficult to get a job. If that is the case do not be afraid to ask for help. Check this link of this service that helps you search for jobs online and good luck.

Short Term Loans

In cases of financial emergency short term loans can be a life-saver. Along with getting cash when you need it you also need to address other measures for managing debt. There are fixed costs in life and there is discretionary spending. Medical bills, baby food and diapers, rent and the electric bill and bus fare to get to work are fixed and necessary costs. Cigarettes, video games and movies are discretionary spending. When you are in need of short term loans it is wise to sit down and make a list of what you are spending your money for. Budgeting is a smart thing to do as it alerts you beforehand to what you need to spend on necessities and what you may have left over. If you are recurrently in need of short term loans consider putting aside a little of whatever excess cash you have. Create a so-called rainy day fund so that you will have cash when you need it and will not always be paying interest on your debts.

Having and Getting Credit

One of the most efficient sources of free short term loans is a credit card. Charge your purchases and pay when the bill comes. You are essentially getting recurring short term loans of one month duration. But, if your credit is bad or if you do not have any credit getting a credit card can be an issue. In this case a good approach is to use a credit service in which you deposit a set sum of money such as $500. Then you can charge against this balance. When you have demonstrated a history of paying each month and recharging the balance you can often get the amount raises to $1000 or more. With smart use of such a credit/debit account you can commonly establish or repair your credit and get a regular VISA or MasterCard. This is a practical way to improve your credit and credit score.

Filing for Bankruptcy and Starting Over

If your debts become overwhelming you can apply for bankruptcy. People file for bankruptcy in order to restructure debt and get back on their feet. The point of bankruptcy is to continue to work and do business while dealing with ones debts. The court will often require debt counseling to improve how a person handles is or her finances. This is commonly a requirement for receiving bankruptcy protection from the court. This is especially the case for individuals who habitually find themselves far in debt.

When All Else Fails

There are times when you simply need money and you need it right now. The baby is sick. You are behind on your rent and have been threatened with eviction. Where can you find short term loans when all else fails? In this regard we discovered a service while researching this article. Check out this short term loan service for more details and a little breathing space in your financial life.

What Causes Mesothelioma?

Mesothelioma or more accurately malignant mesothelioma is a type of cancer of the lining of the lungs, heart, abdominal cavity and other organs of the human body. What causes mesothelioma? It is a rare disease that is essentially limited to people who were exposed to asbestos fibers or dust. This exposure is commonly work-related but activities such as washing work cloths covered with asbestos dust also increases the risk of developing malignant mesothelioma. Smoking tobacco greatly increases the risk of developing cancer in people who are exposed to asbestos.

What Happens with Mesothelioma?

People who have mesothelioma may lose weight for no obvious reason. They complain of chest pain and they may become short of breath. A visit to the doctor is necessary to diagnose mesothelioma. The doctor will obtain a chest x-ray and a CT scan of the chest or other affected part of the body. A common finding is that there is fluid built up between the lung and chest wall. This fluid compresses the lungs causing shortness of breath. The diagnosis of mesothelioma requires that the doctor insert a tube into the space between the lung and chest wall. This is done under anesthesia. Samples of fluid and tissue from the pleura (the lung or chest wall lining) are taken. Analysis of this tissue by a pathologist provides a precise diagnosis.

What Can Be Done for Patients with Mesothelioma?

A common procedure done when the doctor has put a tube in the chest is to do a procedure called pleurodesis. This procedure makes the pleural lining of the chest wall stick to the pleural lining of the lung thus obliterating the space in which fluid could collect. This takes care of fluid buildup as a cause of shortness of breath. Additional treatment includes chemotherapy and radiation therapy. It is a good idea to seek referral to a leading mesothelioma treatment center such as the Mayo Clinic who have extensive experience in treating this rare disease and access to numerous clinical trials of new therapies.

The Mayo Clinic offers the latest mesothelioma treatment options based on clinical trials and relevant research. The mesothelioma treatment options at the Mayo Clinic include chemotherapy, radiation, multiple forms of surgery and emerging treatment options.

What Can You Do If You Have This Disease?

The first step if you suspect that you or a loved one has this disease is to go to see your doctor. Get the initial tests done and ask for a referral to someone with specific expertise in diagnosing and treating this disease. In addition, you may be entitled to compensation for your disability and for damages if your work place was at fault for causing your exposure. As with your medical care, dealing with the legal and disability aspects of just what causes mesothelioma and your right is best dealt with by experts. In researching this article we found a useful information source. Visit this site to learn more.

First Year Baby Costs

Babies are expensive. This is not counting the cost of obstetric services and the delivery. First year baby costs can easily run as high as $10,000 for a first baby. This gets somewhat better if you use hand-me-downs for your second, third or fourth child. But the cost of formula for a year is not something that is amenable to the hand-me-down approach. What are the typical first year baby costs and what are some of the ways to reduce first year baby costs? Let us start with a rundown of things that you will need.

First Year Baby Costs: Furniture, Clothing and Equipment

Things that you need to buy one time:

  • Infant car seat
  • Stroller
  • Pay pen
  • Front carrier
  • Diaper bag
  • Bounce seat
  • Play mat
  • Crib
  • Changing table
  • Bassinet
  • Bedding and blankets
  • Crib mattress
  • Bottles and nipples
  • High chair
  • Baby utensils
  • Baby dishes, plates and bowls
  • Cups and sippy cups
  • Burp cloths
  • Bottle brush
  • Bibs
  • Baby towel with hood
  • Baby/infant bathtub
  • Baby wash cloths
  • Baby nail clippers
  • Safety gates and child proofing equipment
  • Diaper pail
  • Pacifiers
  • Birth announcements, baby book, photo album

A conservative estimate if you buy all of this new is about $2,000. Obviously baby showers can be a great help as can hand-me-downs and sources of used items.

Cost of Baby Day Care

If mom needs to go back to work you will need to pay for day care services. In the absence of grandma living next door this costs money. The average cost in the USA for getting day care through a certified day care center is $11,666 a year. This ranges from a low of $3,582 to a high of $18,773 depending on where you live.

Formula: cost of feeding baby

Reliable estimates of the cost of formula feed for a year run between $1,138 and $1,188. If you are going to give your baby formula for the first year the only way to reduce the cost is to get it for free. In this regard we ran across an interesting offer while researching this topic. Take a look at this link for more information about baby formula for a year.

Health Care

Then there are routine new born visits to the doctor for immunizations and checkups and there are visits for illnesses. Shots needed in the fifteen months include

  • Hep B: Protects against hepatitis B, a serious liver disease
  • DTaP: Protects against diphtheria, tetanus (lockjaw), and pertussis (whooping cough)
  • Hib: Protects against haemophilus influenza type b
  • Polio: Protects against polio. This vaccine is given as a shot (inactivated vaccine called IPV).
  • MMR: Protects against measles, mumps, and rubella (German measles)
  • Chickenpox: Varicella zoster vaccine protects against chickenpox

These shots may be available at reduced cost through a city or county health clinic. If they are it could save a hundred dollars or more if you do not have health insurance.

Shop at Kohls

A few days ago we ran across and offer for a $500 gift card for Kohls. This got us to thinking about summer shopping, summer sales and how much we like the store, Kohls that is. If you want a gift card for Kohls where can you get one? What can you do with it? And where do you find a Kohls store? Kohls is a department store chain headquartered in Milwaukee that has spread across the country and offers high quality merchandise at great prices.

$500 Kohls Gift Card


Kohl’s Corporation is an American department store retail chain. The first store dates back to 1946 and the first department store opened in 1962. From these small beginnings Kohls has grown to be the second ranking department store in the USA by retail sales. This is a Midwest American company headquartered outside of Milwaukee, Wisconsin. British-American Tobacco Company purchased controlling interest from the Kohl family in 1986 and Kohls became a publically traded corporation in 1992. It is the twentieth largest US retailer.

Shopping at Kohls

Kohls borrowed the idea of a racetrack isle around the store periphery form discount stores. This makes it much easier to navigate and find things located in the back. The store is well known for its many sales and sales coupons. This writer was pleased to shop at a Kohls in Rochester, NY over Memorial Day weekend and with a combination of discount coupons and holiday sale mark downs purchase an American Tourister luggage set for $46. Its pre discount price was $226! This is a measure of the deals that you can get if you shop at Kohls in any of the lower 48 states or Alaska. To find a store near you Kohls has a nice store locator online at

Shop at Kohls with a Gift Card

As we mentioned at the beginning you can get a $500 gift card for shopping at Kohls. If you receive a $500 gift card for Kohls you can certainly so shopping. But you can also give a gift card as a gift. Summer is when many couples get married. Deciding what to get the couple who has everything or who will get everything as a gift can be difficult. Give that special couple a gift card for Kohls. They can purchase things for the kitchen, the bedroom, the baby or just about anything and you do not need to guess what to buy or ship across the country if you are just sending a gift and not showing up.

Why Kohls Has Gift Cards and How That Helps You

Retailers drive sales with gift cards. Kohls has grown to be the second department store by sales in the country in an era when other stores have diminished and gone out of business. They take care of their customers, offer good merchandise, have fair pricing and offer frequent and spectacular sales. When you have a Kohls gift card in your pocket you can shop for anything at their stores, preferably when they are offering items on sale. A common use of gift cards is during the holiday season. For example, give a gift card for Christmas and let the recipient pick up bargains in post-holiday shopping.

Best and Worst Ways to Build Muscle

Are you interested in building muscle, improving your physical condition and generally getting healthier? Body building is one of the routes that you can take to arrive at a healthier and more physically attractive you! Body builders use various techniques to build muscle and develop their physiques. People do this with varying degrees of success. Here are a few of our thoughts about the best and worst ways to build muscle and get in shape.

Breaking Down and Building Up

When a muscle undergoes intense exercise it is injured and starts to break down. The response of the muscle is to repair itself and to build new muscle. The standard approach to this is resistance training. The person lifts weights, pulls or pushes against resistance or otherwise exerts an individual set of muscles or single muscle. By progressively increasing the weight/resistance it is possible to build larger muscles. In general the person wanting to build more muscle rotates the muscle groups that he or she exercises day by day in order to give challenged muscles a chance to recuperate and enlarge after an exercise session. Of best and worst ways to build muscle this method is the best and basic approach. There are ways to enhance this approach and here we get into best and worst ways to build muscle.

Healthy Building Blocks and Unhealthy Additions

Muscle, Protein Amino Acids

Muscles need amino acids and protein to grow. Muscles contain protein and when a person practices resistance exercise in order to build larger muscles he or she needs amino acids which are the building blocks for protein. The human body can create many of the necessary amino acids from other foods but there nine of these that humans need to get from things they eat and not make internally. They are: phenylalanine, valine, threonine, tryptophan, methionine, leucine, isoleucine, lysine, and histidine. On the best side of our best and worst ways to build muscle add the fact that you need to eat protein rich foods like meat, poultry, eggs or fish or even take protein supplements in you want to build muscle.

Stimulating Muscle Production

The male hormone testosterone encourages muscle growth. Men tend to have more muscle mass than women for two reasons. First, men often do work and engage in recreational activities that build muscles. Second, men produce more testosterone. So, it is a great temptation to use excessive amounts of testosterone to build muscle. Many people inject testosterone or synthetic male steroids to achieve the same effect. If all you want in life are bigger muscles this approach works. The problem as seen from our point of view of best and worst ways to build muscles is that there are several prices to pay for using male steroids to build muscle.

Paying the Price

Men commonly want to be healthier and to look good for women or other men with a sexual relationship as a goal. The first problem with using male steroids as a crutch in building muscles is that chronic use of male steroids can lead a variety of health problems including a higher incidence of heart attacks, male breasts, reduced sperm production and infertility, prostate enlargement with urinary retention, and liver cancer. Taking large doses of testosterone turns off the body’s normal mechanism to stimulate testosterone production so after long term use a man may need to continue taking testosterone in order of maintain sexual interest as well as performance. Of our best and worst ways to build muscle taking testosterone supplements or injecting into muscles ranks as the worst and most dangerous way to go.

In doing research for this article we ran across an offer that might be useful in building muscle. Take a look here.

Dealing with Personal Injury

Nobody likes to get hurt and most folks do not like dealing with personal injury, with insurance companies or lawyers. That basically is where personal injury lawyers come into the picture. We often suggest that you get help when confronting a complicated issue that you do not know much about. If you have been hurt and need help with fighting an insurance company or simply do not know you rights regarding in injury that you have suffered, consult a personal injury attorney. If someone else is at fault for your injuries you are entitled to damages and if your insurance company is not doing what it promised to do you are entitled to have someone with expertise and clout at your side. Worrying yourself to death about getting help is not necessary. Get help. Here are some thoughts about dealing with personal injury.

Do What the Doctor Orders

First of all take care of yourself. If you have been injured go to your doctor to get checked out. If he or she is not available because it is a weekend or holiday, go to an urgent center or emergency room. And follow through with the doctor’s orders. If this means staying on crutches for a week and then coming back to have your knee, ankle or back checked, do it. Get the tests that your doctor recommends and keep track of the bills!

Take Care of Yourself

If you are the designated care giver and care taker in your family or extended family you will find it hard to slow down and take care of yourself. Get help if you need it and get some rest or avoid aggravating that injured neck, arm, etc. Remember that you are a valuable person and deserve a little TLC.

Taking Care of Business

Many people do not like confrontation even in dealing with personal injury. But, here you are talking to the insurance adjuster. He is telling you that you really do not have any problems resulting from the car accident. So, he says, you can just sign right here on the dotted line and get a whopping $300 payment for any pain and suffering that might arise from your injury. Remember our article about consumer stress levels. In dealing with personal injury you are under stress and this guy wants to sell you a deal in which you get a little money and go away. First of all consult a personal injury attorney to find out what your rights are. Then have a chat with the insurance adjuster, ideally with the lawyer at your side. All of this may sound overly aggressive but some seemingly minor injuries last for years and turn into lifelong afflictions. The insurance adjuster does not care about this. He just wants you to go away and not bother him. Get someone on your side who has done this before. Get help in dealing with personal injury.

Get Help when You Do Not Have the Expertise or Experience

This is the bottom line in dealing with personal injury. You have gotten hurt and need help. Your doctor will help you. Your friends may sympathize. But you need someone with experience and expertise to deal with issues that sometimes end up in court to get settled. Do not settle anything until you check out your rights. Talk to a personal injury attorney. Talk to two or three. Get someone that you want on your side. You want competence, experience and someone that you can communicate with in ordinary English. In researching this article we found a useful offer for dealing with personal injury. Check it out.

Work from Home

Once upon a time most folks used to work from home. The home may have been a farm or a workshop attached to a home. The industrial revolution took people out of their homes and put them in factories, mines and offices. Now the internet age has allowed more and more of us to work from home. Here are a few thoughts about making a comfortable living working from your own home.

Work from Home Online

A while back we wrote about how you can make money selling things online. In this case we were talking about affiliate marketing. When you affiliate with a business that is already established you do not need to develop products and services. You just represent these products and services to a client base that you develop. Using your own initiative, talent, internet connection, and time you can sell things for lots of producers. The first step is to decide what you want to sell and to whom you want to sell it. It works best at the beginning to promote things about which you have a degree of expertise.

Offer Services from Your Own Home

There are a lot of jobs in the service industry that can be parsed out to independent contractors who work from home. We ran across one such job while researching this article. It involves doing paid surveys at home. People who manage large companies need information about what their customers think of their products, who might buy and who might go to a competitor. This sort of market research is something that you can do when you work from home. The hours can be flexible and the pay can be good.

A Work from Home Work Day

It is certainly possible to work a 9 am to 5 pm shift when you work from home. But, many who choose to work from home have other responsibilities such as getting the kids off to school, doing shopping and running necessary errands. Many work from home jobs like the paid surveys from home work we mentioned can be done in blocks of an hour or two spread throughout the day. And, because you are at home with access to your telephone or computer twenty-four hours a day and seven days a week, you can communicate with people in different time zones and even different parts of the world. If you are working on an incentive plan the only limit to how much you work will be your desire to make money.

Tools of the Trade

The internet age has essentially put all of us in the same small village and, in fact, together in the town square. Telephones, cellular phones, handheld smart phones or desktop computers all allow us to be in contact with anyone in the world. Whether you are sending emails for affiliate marketing or getting paid for filling out or having people fill out surveys the tools of your trade are what you already use to call your friends or check in on Facebook. Add a spreadsheet or automated tool for keeping track of information and you are ready to go.

If you would like to check into the offer we mentioned previously, go to this link: paid surveys at home.

New Directions and New Careers

How many times will you change jobs during your working years? It used to be that a person took up a trade, went to work for a company or started his or her own business and worked at that task for a lifetime. In 1970 Alvin Toffler wrote a bestselling book, Future Shock. The author noted that not only was change occurring more rapidly in human society than in earlier times but that the rate of change was continually increasing. This author predicted what we see today. Life is continually full of new directions and new careers as we move from one task to another, one employment to another or one business to another. Part of being successful in this brave new world of new directions and new careers is to know how to find a job that fits your skills, interests and plans for the future. Toffler also predicted that those who were not able to respond to the stress of change with new directions and new careers would be subject to continual stress which he termed Future Shock. Here are a few thoughts and suggestions about finding new directions and careers in life and in avoiding the stress than constant change can bring.

Jobs versus Careers

To the extent that you simply need a paycheck to pay the bills you need to find a job. To the extent that you want to make more money each year, gain secure employment or gain a set of skills that helps you move to the next and better job, you need to start on a career path. It is said that very successful people can see where they want to be and can see the steps that it takes working backward from the pinnacle of their success to the point where they are starting from. We need not all be Warren Buffett, Bill Gates, or Barack Obama in order to envision a career that we would find enjoyable, profitable and satisfying. In order to start a career path that will more likely than not end up with success there are a few things that you can do. One is to think about what you like and what you are good at. And you can work with an employment service that offers testing to help you ascertain your skill set and get advice as to what sorts of jobs will fit you today and what sort of a profession you might be able to work towards.

Practical First Steps

You can get help finding jobs online and at storefront employment services. If you simply do not know where to start, go to the first place that you find and get help finding jobs. You will need to create a resume, a list of what you have done, what you can do, your skills, your education and your willingness to work with people as well as on your own. Take a look at this online site as a starting point for new directions and new careers in your life.

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