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Financing a New Car

Unless you're among the minority of people who pay cash, you need to quickly become an informed consumer on the subject of financing if you're considering buying a new car. For most new-car buyers, one of the biggest costs of purchasing a new car is interest on the loan that makes the purchase possible. But there are a variety of ways to finance a car, and knowing your options can help save you money.

Refinance Rumors

'Always go with a fixed rate mortgage (FRM)'
The other day, Roxanne approached me saying that she was going to refinance to a 20 year FRM. When she told me that she only planned on staying in the house for about 5 more years, I was shocked. 'Have you considered refinancing to an adjustable rate mortgage?,' I asked.

She told me that her husband thinks ARMs are too risky and that he heard that he should always go with a fixed rate mortgage. I explained that the decision to choose between an ARM or FRM really depends upon the circumstances and that sometimes an ARM really can be the right type of loan to refinance to.

Myths of Refinancing

"When I was in the process of refinancing, quite a few people tried to give me advice that I found out later on just wasn't true. I still hear today, things I heard ten years ago about refinancing that make me cringe because I know someone might be giving up a great opportunity to refinance because of false hearsay. Don't let someone convince you of anything without reading various sources and finding the facts yourself. Here is the myth I want to address right away:
'Refinancing Never Makes Sense'

Tom, my college boyfriend at the time I was considering to refinance my student loans, told me he had heard bad things about refinancing and not to do it, whether it be for your home mortgage, student loans, or anything else, and that his uncle had to foreclose on his home thanks a refinance fraud.


SaLuSa 25 September 2015

Dear Ones, what an important and exciting time has arrived, when many of you will be able to feel the upliftment resulting from the incoming level of energies. Those of you who do will know beyond doubt that the changes are beginning to bring about welcome changes.  You only have to look around you to see that in the midst of them is evidence of changes for the better. Very soon you will have had even more evidence of them, and it will become quite clear as to the direction that Humanity is going in. There will of necessity be a clearing out of the old that no longer serves you, but at the same time the new energies will become established. The Illuminati will make their last attempt to keep on their chosen path but it will be to no avail, as their power has been seriously curtailed by the Galactic Forces that surround the Earth. So have no fear as all is progressing well but be patient as all benefits will come in good time – you are in the period of the Great Awakening.

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