LeapZipBlog: Jason C

Jason C's blog

7 blogs

How Home Mortgage Refinancing Can Benefit You

December 6, 2018 by Jason C  

In Dallas, many people are choosing to refinance their homes in order to benefit their financial bottom line. Refinancing is a relatively simple concept, but it gets more complex when you consider the reasons to refinance coupled with the range of benefits--as well as things you need to look out for—during the refinancing process.

 

 

What Does Refinancing Mean?

Refinancing is a way of either reducing your mortgage payments or getting capital by borrowing against the current value of your home. When you buy a home and get a loan to do so, a lender gives you the money to make the purchase. This is done for a cost, which is decided by the interest rate. When interest rates nationwide drop, many people can save money each month by refinancing the amount they owe with a new—or the same—lender. Let’s consider a simplified example.

 

 

Refinancing to Lower Monthly Payments

Mark and Janice buy a home in Dallas for $300,000, put 10% down, and get an interest rate of 6.5% when they close the loan. With insurance included, they end up paying $2,284.33 a month. A couple of years later, they feel they can get a better interest rate and decide to refinance. They are able to get an interest rate of 5%. Their monthly payment then drops to $2,001.44 a month. They are now saving about $283 every month because they refinanced their mortgage.  

 

 

Refinancing to Pay off Your Home Sooner

You can also refinance in order to make it so you pay off your home sooner. For instance, you can switch from having a 30-year mortgage to having a 15-year mortgage. This means you will own your home free and clear much sooner. Also, because you will be paying more towards the principle each month, the amount of equity you have in your home will go up quicker. Equity is how much the home is worth minus how much you owe. As you take bigger chunks out of the amount you owe each month, the amount you owe drops faster.

 

 

Refinancing to Get Cash

It’s common in Dallas to refinance in order to get some money that can be used for a number of things. Dallas homeowners do this when they feel their home is worth more than they owe, and they would like to use some of that equity in order to make a purchase of some sort. There are some refinancing arrangements that specifically target home remodeling projects. In a situation like this, the lender takes a look at how much your home is worth and then if there is enough equity in your home, the amount you need for the remodeling project is borrowed. This amount is then added to the amount you owe on your home, and your monthly payments change to reflect the new amortization schedule. An amortization schedule is the list of payments you have to make on a loan.

 

 

Some Drawbacks of Refinancing

When you refinance at a lower interest rate, there are few—if any—drawbacks. However, refinancing in order to borrow against the equity of your home is likely going to increase the amount of time you have to make payments on your home. It also may increase the amount of money you pay each month, depending on the interest rate you get. If you were to refinance at a lower interest rate and not borrow against the equity in your home, you could put the money you would have paid towards your new, lower mortgage payments, and chip away at the principle much faster.

 

 

 

There are many options for refinancing in the Dallas area. Either way, you have to decide carefully what is going to be right for you and your family’s short- and long-term goals.

Article was written by: https://rodneyanderson.com/

Tips for Using Payday Loans

November 20, 2018 by Jason C  

Sometimes, you end up a bit short on cash and need some extra money to pay some bills or to cover an emergency that cropped up. You don’t have the money in the bank, and you don’t know what you are going to do to pay for your car repair or plumbing repair. There are countless reasons that you might need to have cash when you just don’t have it. Fortunately, there are some things that you can do to help ease the situation, such as borrowing money through a payday loan. However, before you sign up to receive one of these loans, it is important to keep a few tips in mind, so you are using them wisely.

Useful for Emergencies, but Think About Your Purchases

When you have an emergency that you need to take care of, it can be reassuring to know that there is the backup of a payday loan, just in case you need it. However, many people find that there is a temptation to spend money from these loans on things that they do not truly need. While you are able to spend your money on anything that you would like or need, you should always think about the best use for the money and not just buying items that you might want, such as a new game console or a large television set. Make sure your priorities are in order.

Understand the Loan

Many people who are desperate for money will sign up for a payday loan without realizing just how much interest they will need to pay. Always make sure that you know the amount of interest you have to pay and how much you will be paying for the entire loan.

Do Not Use Multiple Lenders

One of the mistakes that people sometimes make is getting in over their head with the payday loans and then taking out other payday loans to pay off the first. This is only going to get you into more trouble. Only have a single loan out at a time and pay if off before you try to get another loan.

Finally, you should always make sure you are working with a reputable company when you are getting a payday loan. Learn more about how they do business, read their FAQs, and ask any questions that you might have before you take out the payday loan.

http://www.cashcashcash.org/locations/Tennessee/Memphis - Welcome to Cash in a Flash--the perfect place for you to get quick and easy funds.

 

Our Favorite Banana Pancake Recipes

November 15, 2018 by Jason C  

Lou Mitchell's has fresh banana pancakes that are amazing, if we may say so. Now, we can't give away our secret recipe, but we can mention a few of our favorite banana pancake recipes that you can make at home. 

1. BROWN SUGAR BANANA PANCAKES: Tender and fluffy Banana Pancakes sweetened with brown sugar and flavored with vanilla. The best Banana Pancakes EVER!

https://celebratingsweets.com/brown-sugar-banana-pancakes/

2. BANANA PANCAKES: These pancakes came out super delicious and were the perfect breakfast for a beautiful Sunday morning.

https://www.mybakingaddiction.com/banana-pancakes/

3. Light & Fluffy Banana Pancakes: These light & fluffy banana pancakes are like banana bread in pancake form. Start your morning with this easy recipe!

https://www.justsotasty.com/light-fluffy-banana-pancakes/

4. Our own Banana Pancakes: http://www.loumitchells.com/menu/1-breakfast

5 Top Tips For Vein Health While Traveling

November 15, 2018 by Jason C  

This year's holidays are fast approaching. For many, that means cold temperatures and traveling to visit with family and loved ones while spending hours smooshed in a tight airplane or car seat. If you have ever gone on a plane or long car ride and taken your shoes off and found it difficult to put them back on, here are some tips to make things easier.

1. Take A Walk

Getting up and walking around every hour or two can help circulation and help prevent deep vein thrombosis (DVT). If you're driving, walk around when you stop for gas, to eat, or even just for a snack. 

2. Wear Comfortable Clothing

Tight clothes can impede circulation, and that is what you don't want. Wearing looser clothes for the journey will help. 

3. Stay Hydrated

You can easily become dehydrated on a plane and not know it. Skip the booze and stick with water or something similar. This will help your circulation and overall health. 

4. Do Stretches

You should be able to flex your legs and arms while in your seat, even if you can't fully get up and move around. Feel free to do this as often as you like. 

5. Consider Compression Stockings

If you are at risk for vein issues, compression stockings can aid in preventing DVTs while traveling. Compression stockings prevent leg swelling and allow blood to flow properly through your legs.

In conclusion, the journey is often worth it for the destination. Keep these tips in mind as you travel and stay safe. 

The Milligan Vein Clinic: https://www.milliganvein.com/

 

Top Florida Urgent Care Tips

November 15, 2018 by Jason C  

Our urgent care clinics can save the day when you or a loved one has an immediate medical need. Here are some tips to help you get the most out of your urgent care visit.

1. Know whether an urgent care clinic can handle your problem. Our urgent care clinics are not expressly for serious or life-threatening situations. If you’re having a true emergency, go to the ER. We can can handle minor injuries, such as animal bites, minor bone fractures, minor burns, minor sports injuries, and cuts that require suturing (stitches). We can also diagnose and treat minor illnesses, such as earaches, headaches, minor breathing problems, coughs, sore throats, high fevers, and flu.

2. Make sure you're patient with the visit. Our urgent care clinics take people on a first-come, first-served basis. Most of the time, this means your urgent care appointment will take 60 minutes or less. But there may be times when you will need to wait. We will do our best to see you as quickly as possible. Especially if you're in pain. That's never fun for anyone.

3. Insurance Information Please bring your insurance card and relevant information.

4. Medical History As a general rule, our urgent care clinics will not have your information on file for past medical records. Please be ready to share needed medical questions when you come in so we can help you best. 

5. Be Ready To See Your Doctor for Followup Certain issues are best seen by your doctor for later visits and ongoing care. It will be dependent on your particular situation. 

In closing, urgent care is there for you in you need immediate, non-life threatening care.

http://www.mylocalurgentcare.net/ - Welcome to Urgent Care. When you have an injury or have become sick and need medical treatment fast, waiting just isn’t an option. The staff at our Crestview, Niceville and Perdido Key Urgent Care clinics treat conditions that require prompt attention but are non-life-threatening.

Tips for Reducing the Appearance of Varicose and Spider Veins

November 14, 2018 by Jason C  

Here are some of our top tips in reducing varicose veins. 

1. Avoid activities where you stand in one place for long periods of time. If you are unable to move about, exercise in place by contracting your calf muscles several times an hour. This exercise empties the veins of the legs preventing overdistention of the veins.

2. Exercise frequently. Exercise can reduce stress on the veins of the legs and is beneficial to the cardiovascular system.

3. Wear good quality graduated compression hose if you have vein problems such as varicose veins. Wearing compression hose on long air flights will reduce the risk of developing deep vein thrombosis (DVT)

4. Elevate your legs whenever convenient. This helps to empty the veins of blood thus reducing the pressure in the veins.

5. Keep your body weight in the normal range. Obesity increases the venous pressure in the legs and caused added stress on the cardiovascular system.

6. If you are pregnant, be keenly aware of the increased risk of developing vein problems that accompany pregnancy. These risks include the development of varicose veins and the occurrence of clots in leg veins in both the superficial and deep veins.

7. Eat a healthy, high fiber diet. Avoid constipation, which leads to staining and increasing intra-abdominal pressure, which in turn is transmitted to the veins of the leg.

8. Avoid tight-fitting clothing or undergarments – like girdles, stockings, and socks – that restrict blood flow at the waist, groin and legs.

9. Rest your legs on pillows while sleeping – Try to raise legs above the level of the heart whenever possible.

If you have any questions, please contact Milligan Vein Clinic. We are happy to help.

https://www.milliganvein.com/ - Main Site https://www.milliganvein.com/locations/knoxville/ Knoxville location

Seven Ways to Reduce Trash During the School Year

November 14, 2018 by Jason C  

Want to find ways to make garbage chores easier, and reduce waste during te school year? Check out our top tips below on hor your home can make things easier on the plant, and yourself. 

1. Plan: Make a list of materials needed before you shop for school supplies to avoid impulse buying. But, DO buy the big box of crayons. 

2. Repurpose: Before shopping for new back-to-school items, sort through old supplies to see what can be reused or repurposed. If you have extra or leftover supplies that you won't be using, donate them to your school or a program that provides schools with supplies.

3. Buy Smart: Whenever possible, purchase supplies made from recycled or reused products. There are now a lot of great options in this areas. 

4. Reuse & Recycle: Bring drinks in a thermos or reusable water bottle and be sure to recycle milk cartons, bottles, and other recyclable containers.

5. Pack It Up: Place homemade lunches in reusable containers and carry them in a reusable bag or lunch box. Bonus: a lunch box with a cool movie on it is always in style. 

6. Empty, Clean and Dry: Always make sure your recyclables are empty, clean and dry before placing them in the recycling bin.

7. Volunteer: Find out if your school has a recycling program. If not, join forces with administrators and teachers to start a recycling program that works for your school.

Thos are our top tips. What are some of yours that we have missed? Let us know.

https://relyonred.com/ Welcome to First Piedmont Waste Solutions of Virginia & North Carolina. Providing Disposal, Recycling and Dumpster Services in Danville, Durham, Martinsville, South Boston, Reidsville, Eden, Roanoke, and Lynchburg.