market timing
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Should I Refinance My Mortgage?
Asked by A.D. from Dallas
on January 20, 2009
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I had a 5 yr ARM loan whish I got refinanced last year, March 2008, with 5.5%, 30yrs fixed. I pay monthly escrow with it.
As rates are going down , should I refinan...
Answers
- The easiest way to determine your savings is to go to a website like Bankrate.com and use their mortgage calculators to see how much you will save changing your mortga...
- Another tip: make your monthly payment in 2 seperate payments each month. For example, if your mortgage per month is $1000, pay $500 every two weeks (like one paymen...
- I agree with the previous post - it's too soon and rates haven't changed that much for you to really see any benefit. Plus, refinancing too frequently could have a ne...
Need Out of the Box Idea forMarketing/Promotional Ideas for Construction Company
Asked by K.H. from Dallas
on May 1, 2012
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Hello Mamas,
I work for a construction company and I am looking for some ideas of marketing ideas or promotional giveaways to give to our customers. In the past we...
Answers
- I was thinking of construction based items.....hammer, measuring tape, safety goggles, etc. With a quirky saying, that doesn't offend. Who is your target market ...
- One of the best things we got was at the Byron Nelson Golf Tournament last year. The sponsor was some beer company (I don't know who). It was an ice cold small t...
- You could make a month a promotion to donating a certain percentage of proceeds to Habitat for Humanity...up to a certain amount. If I had to choose between companies ...
Is It Rude to Ask for Money Back?
Asked by S.L. from Salt Lake City
on August 17, 2009
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I have been researching slides for my twins babies that are turning 2 next week. We decided to buy one used as it is much cheaper. I have been watching KSL classifie...
Answers
- Ginger's got a good point - maybe those people who sold for $50 are kicking themselves! Or they were in crappy condition, or missing parts, or a farther drive...it's n...
- I would say chalk it up to a poor decision. If the tables were turned, say you found them priced at $500, you wouldn't call the guy and offer to pay him some more woul...
- sorry I think your stuck
What's the Last Nice Thing You've Done for Yourself?
Asked by D.P. from Pittsburgh
on June 12, 2011
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Moms often take a backseat.
Sometimes we need to CLIMB up into the front seat or we would stay back there forever, right?
So..what's the last nice thing you've don...
Answers
- I am not one to skimp on myself LOL-I just bought a very cool bathing suit and coverup for $200 bucks online.
- I bought shorts for myself 2 weeks ago. This was the first time I bought shorts since I was 14!!!!! My old ones were WAY out of style and my body has changed waaayyy...
- I took the family to purchase new cell phones last night. I got a free upgrade, so I do not have an old "mom" phone anymore! And next weekend, 2 of my best friend...
Do You Sahm's Agree with This Opinion?
Asked by G.A. from San Francisco
on August 20, 2009
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I have been a SAHM now for a little over 3yrs and am liking it. It did take me a good year after our 1st child was born to get over the fact that I was a SAHM and not ...
Answers
- I agree that it's harder to get back in the longer you're out, but don't worry about it. I've been out (with minor jobs here and there) for about 15 years, but I don'...
- Dear G., To let something play on your mind for two years is not good for you. If you indeed plan to reenter the workforce at some point it would be a helpful if y...
- Keep up on your skills... and consider it a blessing when some crazy person won't hire you because you were responsible to your family first. If only all relationships...
I Need Shredded Chicken - How Do I Cook It?
Asked by S.T. from Denver
on November 16, 2011
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I got all the stuff to make tacos tonight, and found out I don't have ground beef or turkey, like I usually use to make tacos. Just lots of chicken. So I want to do sh...
Answers
- I use the slow cooker and cook the chicken on low for most of the day, then it can be easily shredded with two forks.
- You can buy a roasted chicken then shred it. Or what we do here, is in water, boil the chicken (boneless) until done. Can add a touch of salt to the water. Then dr...
- Put your chicken in some olive oil in a pan and just fry it that way. I put about 2T of oil, chopped up onion, tomatoe, green bell peppers and stir until the get a lit...
I Want Something That Really Works
Asked by C.R. from Topeka
on February 1, 2008
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I have tried read emails for pay a few years ago when my hubby was unemployed. Not by his choice. And used our last bit of savings to do so and realized to late it was...
Answers
- Feel free to visit my website www.healthyhome4family.com and fill out the GET MORE INFO form and we can go over all the details - AND your questions - over the phone. ...
- First of all, NEVER pay for a work from home job. It you have to invest, it's likely a scam. Do you have any other work experience you can spin off of? Perhaps do s...
- try Sta-Natural...call and talk to them ###-###-#### It has really worked for me and not a big investment. Actually I would be interested in finding someone to partn...
Natural Family Planning?
Asked by M.L. from Portland
on February 23, 2011
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hi ladies. ive pretty muchh had it with hormonal birth control and iuds, all they do is cause me problems. my husband and i were considering trying the natural family ...
Answers
- The rhythm method does not work because it isn't based on biology - it's based on counting. The book "Taking Charge of your fertility" deals specifically with this and...
- I am currently using the Creighton Method which is a form of NFP. It is working so far. But you must be viligant and consistent. It is absolutely scientifically based!...
- We are Catholic and took a class on NFP during our pre-marriage retreat (required to get married in Catholic Church). The couple who taught the class only used the NF...
Seeking Advice on Working from Home
Asked by R.S. from Detroit
on November 16, 2008
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Hello Ladies! I am a stay at home mom,and i am looking to work again;but i want to work at home, i have looked into several opportunities,but they have all been gimmic...
Answers
- Hi Sonya, I've been working from home for several years now. I was like you and looked into several other businesses as well. I even tried a few, but discovered i...
- Hi, Sonya, My name is E. Zoueva and I have started a wonderful home based business with the company Freedom United which is partnered with Melaleuca a wellness compan...
- Hi Sonya, I am a newly SAHM and have been working with Arbonne for the past 3 years. I had my Arbonne business while I was working full time as a vendor rep. for a...
Speaking Out with Your Retail Purchases. Do You?
Asked by D.P. from Pittsburgh
on May 18, 2011
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Another question got me thinking. (I know, I know!) But do you *care* where you spend your money? I do.
If a company's corporate position on things is not in alignm...
Answers
- No - I don't take any of that into consideration. When I shop I look for convenience and price. I shop at Target, Walmart, & Kohls. These stores offer good item...
- I don't necessarily agree. If I need/want something, and a company has it, I'll buy it. Especially if they are the cheapest. The only exception is if that I'm awa...
- oh, absolutely. i don't shop at walmart, and do support local small producers whenever possible. i was pretty amused that my light-hearted response to the last thread...
