Making The Most Out Of Refinancing

Many Americans are looking for debt solutions.  There are many options, however, one of the best solutions is often overlooked.  A debt solution that is becoming more popular in recent months is refinancing.  Refinancing to a lower interest rate can free up some money each month by lowering your payment.  That money can then be used to pay down some of your unsecured debt.  Although rates are great for refinancing right now, anyone considering refinancing their mortgage should look for a few key elements in an offer. Click here to see if you qualify for a refinance. Interest Rate The main goal behind refinancing a mortgage is to lower monthly payments, which is typically done by lowering the interest rate associated with the loan. Depending on when the...

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Simple Steps To An Early Tax Refund

The sooner you get your money back from the IRS, the better, so start now.  If you want to get your 2011 taxes in early and get your refund quickly, here are seven strategies to getting those dollars in your pockets ASAP. Here’s what you have to do: 1. Get started The first step is the hardest. Stop thinking about it and get moving. Until you actually start your return, you’ll never finish it. And that’s probably going to slow down your refund. If you don’t have all your numbers, just put your name and address on the form. It will get you in the mindset to move forward. Your first step is to break the inertia. As my father used to say, a trip of a thousand miles begins with a traffic jam. Break that jam and get moving. 2. Accumulate the...

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Winter’s Here! A Refresher On How To Navigate The Roads

While winter may be a great time to play in the snow, driving in the cold can be dangerous, especially for new drivers. Refreshing your knowledge of winter driving safety can help you and your teen avoid car accidents that can occur as a result of snowy or icy road conditions. Your teen may believe he or she is a seasoned driver, but even the best drivers can experience trouble when driving in inclement winter weather. Review the following tips, and be sure to share them with your teen. Avoid distractions. When operating your car, your first priority should be to stay focused on driving. You have many things to pay attention to including other drivers, pedestrians and weather conditions. Avoid texting, talking or eating while driving.   Beware of black...

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What Is A VA Compromise Sale?

A VA compromise sale is designed to help veterans who have a VA mortgage and need to sell their home, but would end up taking a loss in the process. This type of situation can occur for several reasons, which include: needing to move overseas from a station change, or a divorce. In any case, if you bought a home with a VA loan back when the housing market was healthy, you probably didn’t foresee the need to sell your home in the lackluster housing market of today. For many veteran borrowers who are facing this scenario, taking a loss on the sale of their home could result in extreme financial difficulty. Luckily, you may be able to qualify for a VA compromise sale. If you are selling your house and receive a bid for less than what you still owe on your VA loan,...

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Kokomo Military Appreciation Days

Kokomo area businesses will be participating in Military Appreciation Days this week. The eight day event, led by local businesses, honors veterans and active military personnel by offering them eight days of discounts.  This is the third year for the annual event. Military Appreciation Days kicked-off with a ceremony inside City Hall where Kokomo Mayor Goodnight offered a proclamation declaring November 7 – 14 “Military Appreciation Days.” “We’re hoping that veterans, active duty personnel and their families see how much they are appreciated,” said Mayor Goodnight. “The community doesn’t always know how to show their appreciation. Military Appreciation Days will be a chance to do that.” “I am very...

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Save Energy and Money Today

Did you know that the typical U.S.family spends about $1,900 a year on home utility bills? Unfortunately, a large portion of that energy is wasted. And each year, electricity generated by fossil fuels for a single home puts more carbon dioxide into the air than two average cars. As for the road,transportation accounts for 67% of all U.S. oil consumption. The good news is that there is a lot you can do to save energy and money at home and in your car. Start making small changes today (as listed below). To cut your energy use up to 25%, see the Long-Term Savings Tips that will follow in the subsequent articles in this series. The key to achieving these savings in your home is a whole-house energy efficiency plan. To take a whole-house approach, view your home as an...

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