Selecting a reliable web host is crucial to the success of your business. But it doesn’t stop there. The right branding is essential to ensuring that current and future customers remember who you are. There are many tactics at your disposal to brand your business, but selecting the right domain name is up there in the top 5 tasks necessary. Unfortunately, many times the domain name selection game can be an exercise in frustration if you find that your favorite names are already taken. The most logical route is to find a name that is an exact match to your company name. In many cases this name is available compared to other names, and it can also help to brand your business in the eyes of your customers.
Keeping the name short is another important tip. Nothing is more frustrating than having to type a gigantic domain name. This ensures that your domain name is easy to remember and is convenient for customers to type in should they need to do so. You may also wish to keep the spelling simple for even more customer convenience. Using keywords may also be something you wish to consider in addition to getting the best website hosting. Using your two most important keywords in your domain name may increase your chances of getting more visitors.
There are several types of home owners coverage and many homeowners can’t make heads or tails of what they have, what they should have, and what’s required. First up is dwelling coverage, which is likely what you think of when you think of home owners insurance. This coverage includes damage to your home itself and will be insured up to a specific dollar amount. There’s also home owners insurance coverage for other structures on your property. They may include a garage, a shed, or perhaps a fence. Typically this coverage equates to about 10% of the coverage that you have on your actual home.
You’ll also have coverage for personal property within your home. The amount of coverage you’ll have for this will vary greatly from policy to policy, though a fairly typical amount would be between 50 to 70% of the value of the home. Keep in mind that if you have very expensive items, like jewelry, that you may have to have them covered under a separate endorsement to ensure you get their full value if something happens. Make sure you take a close look at your policy to see what the limits are on certain items, or which items aren’t covered by your policy.
There’s a lot of info out there about life insurance but not all of it makes sense to the layperson. It’s not your job to study life insurance for years just to discover which product makes the most sense, so we’re here to make it easy. One option that the major providers offer is term life. It is the simplest way to get insurance and has the benefit of being the same price throughout the time you’re covered. This coverage is available in increments of 5 years starting at 5 years and going all the way up to 30 years.
Another popular choice of those who go with the main providers like Colonial Penn is whole life insurance. This is also known as permanent life insurance and it means what it sounds like: You’re covered for the rest of your life. As long as you continue to pay your premiums, this coverage will last up until the time of your death, regardless of your age or health at the time of death. One of the main benefits is that these policies accrue cash value the longer you hold them. Of course there are exclusions so be sure to read any policy carefully before you decide which one is right for you.
Many people take for granted that they need a home of a certain size or a home with certain amenities. The reality is that most homeowners are much better off than they were in the past – in some ways. In other ways, we’re falling behind. Let’s take a look at some interesting statistics that compare the average home of today with the average home of 1950.
Family Sizes Are Getting Smaller But Homes Are Getting Bigger
In just the last 30 years the average size of a family has decreased by more than 25%. It used to be typical for families to have numerous children, but now more and more families are choosing to have a single child or no children at all. It also used to be fairly typical for parents to live with their adult children, while now we have high quality adult retirement options in which parents can live. You’d think that with the smaller family size, homes would be getting smaller as well, but that’s not the case.
In 1950 the average home was approximately 1,000 square feet. When you compare that to the 2012 average of 2,200 square feet, you can see that homes are now significantly larger. What is this due to? In part, it’s due to the lower cost of lumbar and due to the fact that it’s easier for families to get larger credit lines than it was in the 1950s. But one interesting point is that in most cases, the move to a larger home is not due to necessity.
No Surprise Here – Home Prices Have Risen Steeply
Of course the price of a home has gone up since 1950, but how much? The average home in 1950 was $8,450 compared to the average in 2012 of $152,000. That’s a steep climb indeed. Many wonder, where is that money coming from? Part of the reason families can now afford a more expensive home is because it’s much more common for both adults to work, versus the 1950s when it was common for only the man to work. Still, the average family spends 43% of their income on property tax and their mortgage payment in 2012, compared to families of the 1950s who spend just 22% of their salary on their mortgage and property tax.
Is Having a More Expensive Home Worth It?
One of the interesting aspects of homes today versus in 1950 is the fact that today more and more people spend the vast majority of their non-working life at home. In 1950 many families spent time outside, went on outings, and got regular outdoor exercise. Today we’re more likely to stay home and watch a movie. Since we’re spending so much more time at home, doesn’t it make sense that we’d want a little more room?
No matter how large or small your home is, it’s important to have the right level of insurance coverage. It’s easy to find out about your options by visiting a site like http://www.homeownersinsurancegeek.com/ that gives you the details on what’s available in your community.
There are tons of things to consider when you decide how much life insurance to take out. One of them is the amount of debt you have. For example, if your home will be paid off in 20 years then you may not need a whole life policy, which is the type of policy that is good until your death no matter when you die. Instead, it may make more sense to take out a 20 year term policy, which is guaranteed (as long as you make your payments) for 20 years. Once the house is paid off you can look into other coverages but you likely won’t need as much since one of your biggest expenses, housing, has been taken care of.
Additionally, your savings and retirement accounts should be one consideration when looking into your life insurance options. If you have significant savings and believe you’ll have your debt paid off in a short period of time, then you’d likely need less coverage. If you’re getting close to retirement and have saved appropriately then you likely don’t have a need for a huge amount of life insurance. The purpose of coverage is to ensure that your family can continue to live their lives in the way they’re accustomed and to be able to pay funeral expenses with ease.
Refinancing makes a lot of sense in the current climate. We have struck a great balance between historically low interest rates and a steadying economy that leads to lenders being more willing to lend money. But if you’re thinking of taking the plunge, then there are a few things you should consider.
What is Your Goal?
First and foremost, you should know what you’re trying to accomplish. Once you know what your goals are, then you can run the numbers through an online refinance calculator. That will give you the details to see if your plan will meet your expectations. In some cases trading in a 30 year fixed mortgage for a 30 year fixed with lower payments won’t be the best option. It may make sense to have higher payments but a shorter time period and choose a 15 year fixed, or maybe now isn’t the time to refinance and you should instead focus on simply making extra payments to pay down the principle.
Get Your Documents Together and Identify the Best Lender
You’ll have a number of documents to gather together, as your refi lender is going to want to see all the things your original lender did. You’re likely to need at least 20 percent home equity in order to get approved, but you’ll also need to prove your income, prove your assets, and present copies of your last 2 years of taxes.
Once you’ve got your info together, take the time to research your options. A site like http://www.refinancehomemortgageguide.com/ is a great option to get all the details you need on the various lenders and loan products. The more you know about your options, the better suited you will be to finding the right loan for your needs. It doesn’t do any good to go through the application process with a lender who has specific requirements you don’t meet, so why not find out a little about each lender and save time in the long run?
Submit Your Application
Once you’ve identified a lender or two that you feel are best suited for your needs, then it’s time to subit your application. The lender will have 3 business days in which to give you a good faith estimate. This number indicates all the costs of a loan. This is where you’ll find out if you qualify, what the general terms will be, and what kind of interest rate you can expect. If you’ve done your research then you’re unlikely to get any surprises in this estimate.
Hurry Up . . . and Then Wait
It can take months to close as lenders go over every aspect of your application. Remember that they have many other homeowners trying to refinance as well and refinances don’t have the same urgency that original mortgages do. They may ask you for all kinds of information, including additional income questions, or they may ask for documentation of a divorce, investments, and more. Your job at this point is to get them the documents as quickly as you can and wait until the day you sign on the dotted line and enjoy your new mortgage payment.
July 17th, 2013 in
Many people who have worked with a home security company for years assume that they’re stuck with their current provider – even if they’re not happy. The reality is that this may not be true. Many security companies will require you to sign a minimum agreement when you sign up. This makes sense because they do have to invest in adding you to their grid, installing the equipment, and other costs. However, many people don’t realize that their initial 2 year contract is up and it’s possible to compare home security companies to see if another company could better meet their needs.
Since you’ve worked with a security company in the past, you probably know just what to look for in a new company. You simply identify the things you aren’t happy about with the company you’re currently signed up with, and then look for a company who can meet those needs. It may be as simple as looking for a more affordable deal, though if this is what you’re looking for, make sure you’re still getting the level of service you need, or it may mean finding a company who’s more responsive or has upgraded technology. Get quotes from a few and decide if it makes sense to take your business elsewhere.
Is refinancing a good idea for everyone? Of course not. Like anything else, there are those who can benefit from it and those who won’t. The largest demographic of people who will benefit from a refinance are those who are looking to either extend the loan period or lower their monthly payment. Often people in these situations don’t have the luxury of looking at the long term and are simply making decisions based on what will work for their current financial situation. In that situation, a homeowner who has the opportunity to refinance and lower their payment should probably do so.
On the other hand, those who simply want to make the wisest financial decision may not benefit as much from a Houston refinance. Consider this: a homeowner who takes out a 30 year mortgage and makes payments for 7 years only pays down about 5% of their principal in that time. That’s because the bank has you pay more interest than principal in the beginning. That ratio changes the more of your principle you pay down. As a result, when you refinance after 7 years you’re effectively starting that process over again and could end up paying more interest overall.
July 15th, 2013 in
Depending on the type of life insurance you’re looking for, you may or may not have to take a medical exam. If you do, then there are a few steps you can take to increase your chances of getting into a better category than you are now. The way it works is that life insurance companies assess the risk of each individual. Those who are overweight, smoke, and have a family history of disease will pay more than a young, fit, non-smoker with no history of genetic family diseases. This may seem unfair, but the reality is that healthy person is less of a risk to them.
Some people who are on the lookout for life insurance will go out and quit smoking or lose a significant amount of weight before they begin to compare life insurance companies. One thing to keep in mind is that some life insurance companies have rules in affect to combat this. For example, they may count only half of your weight loss within 12 months of applying for coverage. That means if you’re 200 pounds and lose 30 pounds, they will still count you as a 215 pound person. They do this because they know that some individuals will lose a lot of weight quickly with the intention of putting it back on once they’re covered.
Many people feel that they simply can’t afford life insurance, but the reality is that you likely can’t afford not to have it. Consider what would happen if you were to be involved in an accident today. With your income gone and funeral bills coming due, would your family able to get by without you? That’s where insurance comes in. Check out the life insurance company ratings to see which company will work best for you, then get quotes from several companies to find out who can offer you the best deal for the level of coverage that will work with your needs.
Now that you have a quote and know how much you’ll have to spend, you just have to figure out how to pay for it. One option is to consider the limit you put on your life insurance. The more coverage you have the more it will cost. However, you don’t necessarily need to get coverage for the maximum. Think about how long your family will be without your income and then decide if you could possibly get a lower level of coverage. You can also look at little expenses in your budget, like dining out or buying expensive coffee drinks. Cutting down on these expenses can leave you with enough money to pay for your coverage.
There are two sides to any coin and that’s certainly true when it comes to refinancing. The main benefits are the fact that you could lower your monthly payment and you could lower your interest rate. When your mortgage payments are lower, then you’re more likely to be able to pay on time every month. The longer you pay on time every month, the better your credit gets. When homeowners with bad credit are able to pay on time each month, they are increasing their chances of refinancing in the future with better terms and interest rates.
Of course, a refinance with bad credit is not the best idea for everyone. One of the main disadvantages is that in almost every situation the homeowner will end up paying more for their loan. For example, even if you get the same interest rate with a longer term, then you’re paying more interest because you’re paying on the loan for a longer period of time. There will also be fees involved when you refinance. However, for many homeowners these negative aspects are outweighed by the good. It’s up to you to decide what your best option is. Carefully consider what the lenders are offering and compare them to what you’re currently paying.
July 12th, 2013 in
Many homeowners have been forced to declare bankruptcy as a result of job loss, medical expenses, or other situations arising. Depending on what type of bankruptcy was chosen, and the terms of that bankruptcy, they may still own their home. However, these homeowners are often in situations where they could certainly benefit from readjusting their terms. Often they wish there was a way to do so but they assume that there are not Los Angeles refinance options for them. The truth is that there may be more options then they think. A lot depends on how much time has passed since they declared bankruptcy.
Generally at least 3 years have to have passed for a lender to even consider working with a homeowner who declared bankruptcy. And of course it’s not a given that just because three years have passed a lender will choose to work with you. It all depends on your financial behavior since the bankruptcy. If you’ve stayed up to date on debts and have worked to reestablish your credit, then there may be lenders willing to work with you. If you haven’t, then you’re likely to have few to no options. Keep in mind that even if a lender does work with you, they’ll frequently charge a high interest rate.
July 11th, 2013 in
There’s nothing worse than purchasing a home and finding out after a few months that the monthly payments are simply too much. If it were a rental you’d simply tighten your belt until the lease was up and find a more affordable option. That’s not the case with a home. When you’re the owner, selling can take months and even if you do you’ll pay so much in fees for having sold it so quickly that you’ll end up in a worse financial situation than when you were simply paying higher payments than you could afford. So what’s the solution? Staying out of that situation in the first place.
One of the easiest ways to do so is to use a home mortgage interest calculator . This will show you how much your payment will be each month and should include interest, homeowners insurance, and property taxes. Keep in mind that all of these factors must be considered to get an accurate idea of what your real payment will be each month. You can then compare that to your income, with the goal that your mortgage payment is around one quarter of your monthly income, and decide if you can afford the home or not.
No one wants to pay more for homeowners insurance then they have to, but many people don’t know about some simple tips that can help you potentially save big. First of all, consider having one company to handle all of your insurance needs. For example, a company that offers both homeowners insurance and car insurance will typically give a discount to their customers who are covered by both types of policies. Also be sure to ask about any available discounts. For example, some insurers offer discounts on homes that are covered by a security system. There may be discount that you wouldn’t know about unless you ask specifically.
Another way is to gather homeowners insurance quotes from several companies. Even if you have coverage through a company for something else, like car insurance, and it seems like just adding your homeowners insurance to that company would make the most sense, remember that it doesn’t hurt to ask around. You may also find companies that will meet the quotes of other companies, so if there’s a particular company you want to work with, but they’re not the cheapest, just ask them if there’s any way to reduce the rate. You never know unless you ask!
No matter where you are in the home buying process – if you’re a person who’s just considering buying your first vehicle or you’ve owned your home for years and are considering refinancing – a mortgage interest calculator can give you answers both to the questions you have and to the questions you didn’t even know you have. For example, do you know exactly how much your monthly payments would be with a new loan or with a refinanced loan? There’s estimating, and then there’s using one of these calculators to give you the specifics.
If you’re one of the lucky borrowers who’s in the position of having several loans to choose from, then this calculator is essential to finding the right options for you. It’s easy to say that a lower interest rate is better, but often it’s hard to see why it would be so much better when another loan offers a much lower down payment. When you use this calculator, it can tell you how much interest you’ll pay each month and even over the course of your loan. Armed with all the details, you can then make an informed decision about whether it’s better to make a choice for the long term or the short term.
Buying a home sounds like a great option but the reality is that it’s not always the right time. However, with a little planning a bit of research, you can get all the information you need to ensure you’re making a decision that you’re not only happy with but that will be a sound investment as well.
Don’t Compare Mortgage Payments to Rent Payments
One of the easiest mistakes to make is to assume that you can afford a home with mortgage payments that are around what your current rental payment is. The reality is that there are more costs associated with owning a home and these need to be taken into consideration. For one, you’ll be paying property taxes and homeowners insurance. These will often be rolled into your mortgage payment, but don’t assume they are. Ask and make sure that the quote you get includes all your expenses.
You’ll also have to think of the personal expenses you may have to pay. If you’re buying a condo that’s a part of a condo association, or a home that’s part of a homeowners association, then you’ll likely have to pay assessments. Depending on the particular bylaws of the organization, these could be significant. Remember that you will be responsible to pay them even if you don’t like what the organization is doing. However, also be aware that these fees can lower other expenses. For example, they’ll likely take care of lawn and snow maintenance.
If you’re buying a home, then you’ll have to consider these expenses on your own. If you’re planning to hire someone to mow the lawn and shovel the snow, then factor that in. If you’re planning to do it yourself, then consider the cost of buying a lawn power, weed wacker, snow blower, etc.
Regardless of what type of property you buy, there will be maintenance and repair costs. These costs are not your responsibility when you rent, but you will have to do things like repair your roof, buy new appliances, etc. Also keep in mind that you’ll often have to pay more utilities when you own versus renting. You may currently pay for electricity, gas and water, but when you own you’ll likely pay for things like trash removal as well.
Get a Realistic Idea of How Much a Home Will Cost You Each Month
The biggest thing to consider is how much your monthly payment will really cost you. The easiest way to figure that out is to use a calculator, like the one found at http://www.home-mortgage-calculator.com/. This will not only give you information on the cost of your principle and interest, but it will give you information on taxes and homeowners insurance, which will likely be included in your monthly payment. When you use a tool like this you get a full picture of what it will cost you on a regular basis.
The key is to look at many properties and make a decision that’s smart for now and later. A careful assessment of your finances will give you a glimpse into just what the true cost will be.
There are many decisions to be made when you choose a home security company and one of the first is whether you want self-installation or for the professionals to do it. First of all, think about what type of system you’re going to have. Some are simple enough that they can be mailed to you, attached to your wall, and a few directions can be followed, and you’ll be good to go. Others, especially those that cover numerous parts of your home in conjunction, will be more difficult. It’s a good idea to understand how complicated the options are before you decide if you want to install yourself or pay someone to do it.
It’s also important to note that some home security systems Houston Texas offer free professional installation. When you’re comparing your options and you come across a company who does, remember to take that into consideration when thinking of the price. For example, a company who requires you to pay $100 for installation may appear to be $75 cheaper than another company, but if that second company offers installation for free then they’re actually cheaper. It’s also possible to find a local expert who can install it for you for less than you’d pay the security company directly.
One of the most important things to keep in mind as you choose your life insurance provider and policy is that you’re not the only one affected. Your partner should also have a say and this should be a conversation you have together. Remember that no matter who goes first, someone will be left to deal with the paperwork and to make due with the policy payout. For these reasons, it’s essential to have a group consensus about what’s best for your family.
Discuss Your Finances With Your Partner
There are many reasons that it’s important to discuss the real state of your finances with your partner. First of all, they need to know exactly what debts are on the books in the event that something happens to you. The last thing they need after your death is to find that there’s a judgment against the home due to a bill that’s slipped through the cracks. Make a spreadsheet that is comprehensive and includes all outstanding debts. Update it at least quarterly so that if the worst happens, there is a handy guide to be consulted.
Make Decisions About the Appropriate Level of Coverage
Another tip to keep in mind is that the more coverage you have the better – to an extent. You neither need more coverage than is necessary, nor do you need less. Have a heart to heart about what would happen if your income was no longer part of the picture. Would your partner go back to work if they’re not currently working outside of the home? Would they get a different job if they are already working? Do you want life insurance that will get them through the first year as they readjust to a new financial situation or do you want coverage that would allow them to live in their current lifestyle indefinitely?
The Pros and Cons of Different Levels of Coverage
Taking out a lot of life insurance can give you a lot of peace of mind. You’ll know that if something happens to you, not only will your debts be paid off and your funeral expenses covered, but your family will also be financially sound. However, keep in mind that the higher the level of your life insurance, the more expensive it will be. In some situations it makes more sense to ensure that you’re able to save for retirement versus making massive life insurance payments. The key is to find a balance – you want enough coverage without going overextending your finances.
Understand the Ins and Outs of Insurance
It’s important that both you and your partner fully understand the options and the terms. A good guide can be found out http://www.lifeinsurancecompaniesbystate.com/. Sit down and talk about these issues with your partner. Make sure you both understand what’s at stake and what your real options are. Discuss the advantages and disadvantages of various types of coverage. If it’s not obvious to you which choice is right, read the advice of experts and make a pros and cons list. There is a right decision for you – don’t take out a policy until you’ve discovered what it
A home security system is a great investment if you’re looking to protect your home, your family, and your belongings, but it isn’t a decision that should be taken lightly. You must first establish which system will be best for you and then decide which features make the most sense. Here are a few simple tips that will get you on your way.
Shop Around for the Best System
Don’t let anyone tell you that there’s one system that’s best for everyone. The truth is that it all depends on your needs, your home, and your budget. Do your research. Understand what your options are, but also understand what your needs are. Do you need motion detectors or is your home on the second floor? Do you need cameras or are you just looking to prevent someone from getting in – not necessarily for surveillance? There are many, many options available to you and you should be sure to take the time to consider them all.
Shop Around for the Best Company
Of course you don’t just want the right level of service, you also want the right company providing it to you. Look for a company that’s been in business for years, and search for a national company that has the manpower to offer the best service possible. You do want to compare prices, but remember that if you can pay a little more for a lot more experience, it may very well be worth it in the end.
Think About Value Over Price
It’s tempting to look at quotes from several companies and compare only how much they’ll cost you. We all want to save some money when we can, but you also want to be sure that your home is adequately protected. The easiest way to ensure you’re comparing value and not price is to identify first what you’re looking for. Once you know exactly what you want, then you can find the best price for those services. The opposite option, which people too often do, is to first look at the packages available and then try and decide which one is best based partially on price.
Consider the Ways Your Security Could Save You Money
Remember that your security system is not just an expense – it’s also a way to protect your belongings and potentially save you money. In fact, think of it like an extra insurance policy. Sure, you likely have homeowners insurance, but if you had a claim you’d end up paying a deductible and possibly even have to deal with your rates being raised. On the other hand, a home security system could not only protect your belongings but it could actually result in a lower homeowners insurance rate.
As you begin to consider your options, be sure to check out http://www.homesecuritysystemsgeek.com/, which is wonderful resource with a wealth of information. Remember that the more information you have, the more informed your decision will be and the better you’ll be protected.
There are some really simple repair and maintenance issues you can take care of that will help to decrease the chance of damage to your home. For example, have your air conditioner serviced every year. Have a licensed professionals do most of the work, but you can certainly change your air filters yourself. Having a pro take a look and make sure you’re in tip top shape can keep your air conditioner running longer, as potential problems will be identified sooner, and it could also keep your electric bill as low as possible when your A/C is running in tip top condition.
Another important step to take is to trim your bushes and trees. Their branches can rub up against your home and damage your paint or siding. When they’re trimmed and healthy they’re also less likely to cause mildew or mold in or around your home. Walk around your home and change all the batteries in your smoke alarm. It’s nice to know that your home owners insurance Houston in the vent there is a fire, but you want to be sure you’re notified as quickly as possible so you can get out safely. Finally, wipe down the top of your ceiling fans, which can get dirty and blow dust throughout your home.
Finding the right time to refinance is a tricky situation. Right now you likely don’t have to worry about finding the lowest interest rates, because they are at historic lows and not expected to go down. Though if your own personal financial situation may change in the next 6 months then it may be worth it to wait. For example, perhaps you’re expecting a raise, or maybe you were late on a loan payment 9 months ago. Lenders typically want 100% on time loan payments for the 12 months before they offer a refinance to a homeowner.
There may also be situations in your neighborhood that will change within the next few months. For example, have their been numerous foreclosures in the neighborhood? If so, this can cause your appraisal to be lower than you expect it to be. Of course if the appraiser finds your home is worth less than you own then you’ll have a difficult time finding a company who is interested in refinancing your home mortgage. It’s possible, but it can be tricky. It may make sense to wait a few months until those foreclosure homes are sold and the neighborhood is on its way to making a full recovery.
July 2nd, 2013 in
It’s good to know that you have home owners insurance but in a perfect world you’d never have to pay it. Luckily there are a few simple tips you can follow that will help reduce the chance of an accident. One tip is to be careful with your lighting. With all the talk about saving electricity these days, many people leave their home pitch black at night. This can cause accidents as you get up in the middle of the night to use the rest room or have a glass of water. A simple solution is picking up a few inexpensive night lights to light the way.
Another really simple step you can take is to keep your floors clear. This may seem like obvious advice, but falls are actually the number one way that people harm themselves in their own homes – and many of those falls are the result of tripping over debris on the ground. Just pick up pet toys, kid’s toys, newspapers, or whatever else you have on your floor. It could keep you safer and reduce the chances of a claim against your home owners insurance Chicago. These are some of the simplest tips there are because the ways in which people become injured in their homes are often the simplest ways.
The economy may not be the best it’s been in the last decade but one thing’s for sure, now is a good time for many people to refinance. Why? Because interest rates are at historic lows. One of the main problems for people who are trying to decide when it’s a good time to refinance is that they never know if they’re going to refinance and then find that interest rates drop shortly afterward. With interest rates as low as they are, experts are in agreement that they’re not likely to get any lower. As a result, if you’ve been thinking about a refinance home mortgage now may be the time.
It’s typically a good idea to start with your current lender – assuming you’re happy with them so far. If you’ve made your payments on time every month then it’s reasonable to assume that they may be willing to work with you. If they’re not, then you can check out other companies offer refinance loans. In some cases you may even be able to roll several mortgages into one. For example, if you’ve taken out a second mortgage for any reason, then this loan could possibly get rolled into your finance which would leave you with just a single payment each month.
June 29th, 2013 in
If you’ve refinanced and lowered your monthly mortgage payment, then you’ve found yourself with a little more money in the bank than you’re used to. But what’s the smartest way to spend it? For most people, if you have significant credit card debt, or other debt that comes with a high interest rate, then you’d be best off financially if you paid off more of that debt each month. This is typically a wiser long term investment than investing in stocks or bonds, because paying this off lowers the amount of interest you’ll pay in the long run – which means even more money in the bank once you pay these debts off.
Another option is to reinvest in your home. You can take the savings from your lowered mortgage loan payment and do improvements on your home. For example, the kitchen and bathrooms typically have the largest return on investment – which means that when you sell your home with an updated kitchen or bathroom you’re likely to sell it faster and for more money. When you invest your savings in this way, you have the opportunity to further improve your savings by turning them into future earnings when you sell your home.
A home security system can protect you, your family, and your belongings from theft or other forms of danger. However, you want to make sure that you’re using home security systems Chicago Illinois in such a way that you’re getting the most value back for your investment. One important tip is to ensure that you’re arming your system even if you’re only gone for a few minutes. Thieves need only a few minutes to get in and get out, so even if you’re running to the store for 10 minutes, you should be arming your system.
Another tip is to be sure that you display a sticker or sign that your home is protected by a security system. If a thief is walking by and looking for homes that are easy to rob, they’re likely going to cross off their list any home that appears to be covered by a home security system. After all, when many of your neighbors probably aren’t covered, why wouldn’t they go for those easier targets. However, it’s best to not display a sticker that specifies the specific company you’re working with. This is because a thief may be familiar with ways to get around specifics systems and the less they know about your particular security company, the better.
If you or someone you know has been diagnosed with diabetes, then you are probably already aware that this kind of diet will be different from others. Not only do diabetics need to watch their carbs, but calories as well, especially in cases of type 2 diabetes where weight is more directly related to the issue. There are several potential pitfalls in eating for diabetes, as many foods thought safe can actually cause blood sugar levels to spike. But when one understands which foods can be exchanged for others, it can make things easier.
One example includes meat exchanges. In the lean category, lean beef, chicken, fish and cottage cheese all have the same calories, carbs, protein and fat values. Of course, this may seem like a lot of work, and many diabetics may instead choose to try the official diet and save with diabetic diet coupons. Whatever the decision, the most important thing with this condition is to avoid those foods which can cause blood sugar levels to spike as well as weight gain. Adding exercise to your routine is another way to keep blood sugar levels steady in addition to losing weight.
In a move that will revolutionize how controversial images online are handled, internet companies in the United Kingdom have reached an agreement to both change the way they approach the issue, and to work more closely with authorities.
The Internet Watch Foundation, which is a registered U.K. charity whose mission is to reduce or eliminate the availability of child pornography to internet users in the country, received a pledge from leading internet companies in the amount of one million pounds. This will allow the Foundation to continue working with Ceop – The Child Exploitation and Online Protection Centre – to catch child abuse images before they reach the online world.
The British government expressed concerns that internet companies were failing to take the necessary steps to increase the difficulty of which abusive images of children were obtained. This concern is understandable, considering that over one million online users engage in the viewing and usage of these types of images, but only 40,000 reports of illegal images are made to the Internet Watch Foundation.
The United Kingdom’s culture secretary applauded the agreement between large British ISPs to assist the Internet Watch Foundation, who will be working directly with U.K. law enforcement to seek out images before they are complained about. This should mean that more images of child abuse will be removed. This shift from reactive to proactive will mean that the Internet Watch Foundation can search alongside The Child Exploitation and Online Protection Centre to block these images from being accessed.
Of course, the online posting of child abuse imagery is not the only way the images can be accessed and shared. Users also use peer-to-peer communication over torrent and similar networks to circumvent the law and detection of their activity. It was reported that the work currently in progress to halt this type of sharing will continue to be worked on.
Users who attempt to access locations where illegal images are displayed or accessible via other means will likely meet with a splash page which declares the illegality of the content behind it and warning the user that this is the case.
The four major companies that provide internet to the United Kingdom released a statement which said, among other things, that they would work with Ceop, the Internet Watch Foundation and the government to figure out the best way to spend the one million pounds pledged. They also reiterated their stance for zero tolerance of images of this kind, vowing to use at least part of the pledged money to target, locate and prosecute those in charge of the creation and distribution of said content.
The internet service providers involved in the endeavor – BT, Sky, TalkTalk and Virgin Media – are expected to report back to culture secretary Maria Miller within one month with recommendations. Miller had much in the way of praise for the companies, whom she says have already taken steps to give customers even more in the way of parental controls.
With all of the jobs attached to being a business owner, figuring out who will host your web site may be something you are dreading. But it may be easier to do and also less expensive than you think. Most small businesses may be able to get hosting for as little as $15 per month. Of course, if you are hosting more than one site, your hosting costs will rise. A good host will provide you not only with good uptime, but reliable technical support that you can access whenever the need arises.
Of course, before you choose a hosting provider, it’s always a good idea to make sure that you have done a little research into more than one company first. This will allow you to understand a bit more about the average prices for the kind of hosting you want. It may also reveal things about small business hosting companies that you may not have otherwise found out, such as less-than-ideal response times or unresolved customer issues. Any companies having features you don’t like can be crossed off the list so that you have more time to concentrate on companies that can give you what you want.
According to one expert, the internet is becoming more mobile by the day. Mary Meeker, venture capital partner at Kleiner Perkins Caufield & Byers, spoke at the AllThingsD D11 conference with some interesting numbers to back that up. Apparently, 2.4 billion people are online around the globe, with mobile devices contributing to 0.9% of all internet traffic in 2009. That number has skyrocketed to 15 percent in May of this year, and could reach double that by 2013’s end. The ability to access the internet via our mobile devices has certainly become an incredibly convenient way to complete business and enjoy our leisure time, if those numbers are any indication.
Another interesting snippet is the fact that so many people are getting online with their mobile devices, but advertisers have yet to see the value inherent in this. With the average mobile user spending as much as twelve percent of their time on their device, this is definitely an important statistic, with only3% of all advertisement spending in the United States occurring for the mobile market. Meeker said that if advertisement spending could catch up to how much time is being spent getting online via internet access providers, that this could earn the industry up to $20 billion dollars.
It’s an often misunderstood point: that the most popular diets are just designed to succeed. Too many of us think that going on a popular diet will be enough to finally lose the weight we want and look and feel better. But what we might forget is probably the number one most important factor in our weight loss: us.
It’s up to us to reach our goals. Even if the foods we eat have already been prepared, even if we have access to some of the country’s leading health and nutrition experts, and even if others who have been on the diet have been wildly successful, it can all come crashing down around us if we don’t have the perseverance necessary to follow through.
Beginning a diet represents overwhelming change for many. After all, this huge step requires something that millions find to be a scary thing: change. Starting a diet will mean changing not only what we eat, but how we eat and how much we eat. As well, exercise is necessary. Without getting the body moving, weight loss will be slow, and could maybe cause enough frustration to make us think about quitting.
The good news is that there are many useful tips about how to successfully lose weight. And they all involve making small, but significant changes that help us stick to our goals. Drinking water is one of the most-overlooked ways to lose weight and keep it off. But it’s amazing how few of us actually do it. Yet millions get hunger and thirst confused. For those who don’t like the taste of water, experts suggest adding a bit of juice or a no-calorie flavoring.
Although going on a diet may make you think of restrictions, it’s important to change this perspective if you want to succeed on your plan. Instead, think about the foods that can be added. For instance, look at the food recommendations. If you’re not getting enough fruit, think of those fruits you’ve always wanted to try. Not only will eating more fruit help you to feel more full, but it will give you a new eating experience.
Thinking about what you’re eating is something else that may have to change. If you just ate whatever qualified as food on the most basic level, then this may present you with a challenge. It can take time to develop this habit, and so being patient with yourself is the key here. Do some research on those foods you used to enjoy. Are there ingredients in them which are unappetizing? What does eating them do to your body? Knowing these facts can help you stay focused on healthier foods.
At the same time, you shouldn’t deprive yourself of those foods you used to love. But instead of eating them on a regular basis, they will have to be considered ‘reward’ foods, or foods you eat only once in awhile. Completely disallowing them will only result in a higher chance of bingeing later on. Even the best diets have sinful snack options, and so keeping those junk foods in your diet may actually benefit you if you are on one of these plans.
With all of the threats lurking online, it makes sense to ensure that all of your sensitive files are backed up. But developing a contingency plan in case of a hacking or hard drive failure can be a daunting task. Add to that the many choices to back up your system, and you may have a hard time deciding which options are best. But the good news is that you can rarely go wrong when you have more than one backup option in place. Experts recommend that anyone looking to ensure the safety of files uses more than one backup method.
Not only that, but it’s recommended that when backing up files, the best places to save them to reside in locations that are away from their main storage. And so placing files on a USB drive, CD, external hard drive or backup computer online in the cloud are recommended. Storing a copy of your files on your main computer will result in the same losses should some kind of data emergency occur. A good idea when backing up files is to update them regularly. And so you may wish to use a CD-RW if using this media for your backup, as it will allow you to overwrite old data.
When beginning your search for a weight loss plan that will work, many of us go in with the assumption that any plan will not only be hard to begin, but also be a pain to live with. But yet, we know we need to lose weight. How can you possibly know which diets are best when dealing with doubts like this? It really begins with changing your thinking. Instead of thinking you don’t have the strength or determination to succeed with weight loss, tell yourself that you are strong.
Going online can tell you all you need to know about the diet plans that are out there. But not all of them will actually be the best diets for women to lose weight. Reading about what others have to say about a particular plan can help provide some insight into how well it may work for you. And you may find other information along the way, such as which plans use additives in their foods to accelerate weight loss. Finding out information like this beforehand can help you avoid risking your health with a diet plan you aren’t completely sure of.