The Mortgage Forgiveness Debt Relief Act is set to expire at the end of 2012. This act protects homeowners who sell their home through a short sale protection again an IRS 1099 claim from their mortgage company. Learn how to protect yourself.
Many first time applicants for credit accounts such as mortgages or car loans are exposed to their credit scores when they apply for credit and their salesperson reviews their credit report with them. We know that many people have asked the question: what are credit scores? Credit scores are pretty simple to understand conceptually, but […]
This is a lip balm that goes over well with the younger crowd. Namely my daughter and her friends. There are plenty of additives that you can bring to this little baby in order to create your own unique lip balm.
This is a simple blend of essential oils that you can combine in order to help reduce the look of cellulite on thighs and buttocks and pretty much any where you see those unsightly bulges. This works in conjunction with massage and a spa like wrap. This was given to us by a friend who is a massage therapist and has seen significant reduction in the look of her legs hips and thighs. She used this 5 times a week.
This is a general liquid soap recipe that I started with when I first started making Liquid soap. It leaves the skin clean and it’s naturally antibacterial because it’s pH is higher than most bacteria can handle. Things you will need.
Crock pot, oils, water, potassium hydroxide, thermometer, pH test strips, extra containers to put the soap paste in when you’re done.
I do not know why, but when mortgage interest rates go down; the ugliness in the mortgage business seems to come out. What I mean by this is that mortgage loan officers seem to promise the cheapest mortgage rates and fees, and interest rate shoppers get ultra concerned about an extra $15 in closing costs. Being on the phone talking to mortgage rate shoppers for many years, I have heard
Outfitting your home for maximum energy efficiency is not cheap, true. For the full blown upgrade, you would likely be looking at replacing your furnace, air conditioning, hot water heater, and all of your windows. Expensive stuff, to be sure. All the same, energy efficient home improvements are quickly becoming very popular.
Last week I received a call from an agitated client that I had referred many months before, to a large private bank when he needed a Home Equity Line of Credit – HELOC. He told me he obtained the line with absolutely no problem, but hadnâ€™t accessed it since he hadnâ€™t needed the money until recently. The bank told him that he canâ€™t use the HELOC anymore with the declining property values in his neighborhood.