Browse Month: September 2017

How to Save for a Down Payment on a House

certificate-of-deposit2A traditional mortgage generally requires the buyer to place a down payment of at least 20% of the purchase price, but with recent changes, lenders have made it possible to purchase a home with as little as zero down (though these sort of options are becoming fewer and far between). In order to receive the best possible interest rates and to avoid private mortgage insurance, it is still a wise decision to have a significant down payment. But how can you get started on saving tens of thousands of dollars for this purchase? Here’s your mortgage down payment how to. Continue Reading

Using Yoga to Improve Your Health and Well Being

Treat-Depression-with-YogaWith all the new television infomercials on gadgets and videos on improving one’s health and wellbeing there is one strong hold on low impact exercise that not only improves your body but also improves the psychological state which give your entire being the sense of positive well being. By being involved in Yoga on a regular basis one can expect to feel better and more alive. Yoga does promote positive energies within the body which in turn will create positive energy in the mind increasing your total well being. Continue Reading

How to Save Thousands and Shave Years Off Your Mortgage

downloadChances are that if you have a mortgage currently you’re making monthly payments. The typical mortgage is structured so that you make a single payment each month for a total of twelve payments per year. The good thing about this is that it means you pay the same amount at the same time each month so there are no surprises and it’s easy to budget for. But what would happen if you split that monthly payment up and made bi-weekly payments? Surprisingly, you could save yourself tens of thousands of dollars and cut years off of your mortgage. Here’s how. Continue Reading