Archive for February 6th, 2008

Refinancing loans in 2008

Wednesday, February 6th, 2008

One thing about the mortgage industry is that you can always look back and see what led to the problems that are current. Runaway inflation and unemployment 30 years ago led to super high interest rates back then. The short recession in 2000 and 2001 led to low interest rates to spark the economy which led to more risky loans which led to more foreclosures and an over-saturated housing market.

With the fed dropping interest rates again there are many out there that should take advantage and get a bad credit mortgage refinance. There is no reason to stay in an adjustable rate mortgage because interest rates will only go up from here over the next ten years. Historically, interest rates are never this low.

Whether you need florida mortgage refinancing or california mortgage refinancing, you should hurry up and get it done before things go back up. Because things will go back up, sooner or later. It’s inevitable.

When you’re looking around for the best rate, the internet can be a wonderful tool for comparing the different rates that are out there and available to you. This site has all of the tools and calculators that you will need when trying to figure out just what loan that you need.

And one last piece of advice. Don’t take out a huge chunk of cash just because you think you can afford it now. Try to pay off your house. Let the amount that you owe on the house go down instead of up. Refinancing can be an important step in that process.

Posted in Home, Money | Comments Off

No blue foods

Wednesday, February 6th, 2008

Did you know that there are no blue foods found in nature?

Nothing edible is naturally blue.

I know what you’re thinking out there. What about blueberries? They have to be blue. They’re called BLUEberries. However, they’re not blue.

Blueberries are actually purple. Don’t believe me. Try smearing some on your best white shirt. Turns the whole thing purple.

There’s a whole mess of things that are green. A slew of red foods. Quite a few yellow and purple. Heck, orange has a fruit named after itself. White foods are out there, and black foods show up occasionally.

Don’t feel bad for blue though. When you have the entire sky and most bodies of water, you’re out there in the world. You don’t really need to be included in food, too.

Posted in Randomness | Comments Off

Really low price t-shirts

Wednesday, February 6th, 2008

Because I volunteered for the same youth group for about ten years, I have an extensive collection of t-shirts from all of the events that I was a part of while I was with the group. I think that I would average getting between two and four shirts a year while I was volunteering. That’s about 30 shirts that I have in my drawers and closet.

Even though I got all of those shirts for free, I know that the organization that I volunteered for could definitely save some serious money by buying the shirts a discount. Any site that they would get their t-shirts from would need to sell in bulk, would need to have a wide variety of sizes, colors, and styles, and would need to ship pretty quick for events that come up on short notice.

The folks selling wholesale t shirts online meet all of the requirements that I or my group would require. They have t shirts available in large quantities at great prices. The larger the order that you need, the better price that you can get on the shirts. Many of the shirts are available for around $2 each when bought in bulk and some are just over $1 each. The shirts are available in kids sizes all the way up to size 8X. That’s a big shirt.

Some of the styles that are available include regular, tall, spaghetti strap, baby doll, polo collared shirts, hoodie sweaters, long sleeve, short sleeve, thermal, night shirts, and fleece jackets. If you can get the someone to print a design or logo on shirts that you bring in to them, this is the place to get your blank t-shirts.

The shirts that I got while volunteering vary in color from prison orange to baby blue. The colors available on this web site also vary and include just about any shade that you could want. There are over twenty options listed on their site from carolina blue to mustard to kelly green.

The faq lists their shipping times as very fast. Many times they can get a shipment out on the same day that it was ordered. Look em up for fast shirts in bulk at a great price.

Posted in Business, Web | Comments Off

Saguaro Shaq-tus

Wednesday, February 6th, 2008

Ever since the Suns lost the coin flip all those years ago, they have never had a true, top-quality center. They’ve also never won the championship.

Hopefully the addition of the Diesel, the Suns can climb the mountain that they’ve been so close to for the past couple of years.

It’s a long shot for sure, but you can’t expect different results unless you change what you’re doing.

Sir Charles couldn’t do it, and this is by far the biggest name that we’ve had since the Round Mound was here. Hopefully Shaq brings more than his name.

Posted in Sports | Comments Off

Car Pricing Made Easy

Wednesday, February 6th, 2008

I’m always hearing about you’re supposed to negotiate with car dealers.  That you have to haggle over price before you should buy the car.  They never tell you how much you should try to bring the price down, they never tell you how you’re supposed to do any of this.  I want to be able to know the price is right when I go in and just buy it.

CarsBlvd is a great place to get this kind of information.  You choose the make and model and they get at least two quotes on car prices for you.  Think of the time you save by not having to go from dealer to dealer either in person or on the phone.  The work is done for you.

CarsBlvd can also help with finding the right car loan for you or, if you already have a car and a hefty payment, they can help you refinance the loan.  If your in the market for auto insurance, they can help you find that too.  All of your car buying concerns can be addressed at CarsBlvd.

Posted in Shopping | Comments Off

Inflammatory Statement Issued (by me)

Wednesday, February 6th, 2008

The caucus process confuses me. You’ve got your Dem delegates and your Rep delegates; you’ve got your super-delegates too; there are penalties for holding a caucus too early but those delegates might be given back at some point. At no point do people actually get to directly vote for who they are nominating or who they want to win the presidency. It doesn’t seem like the most democratic process to me. (I know, I know – we’re a republic, but still…)

Ah, I am SO inflammatory.

Posted in Politics | Comments Off

Business Expansion Simplified

Wednesday, February 6th, 2008

Obviously most businesses start out small – Microsoft started in a garage. But as businesses grow, they experience growing pains. Maybe your business is growing out of it’s garage phase (not just for rock bands anymore) and you’re looking to expand. Unfortunately, there’s often an in-between time when a business no longer fits in the garage or living room but isn’t financially capable of expanding because of the added expense of employees and storage.

There is, however, another option – out source it. Shipito.com offers inexpensive options out of their Los Angeles warehouse for e-commerce start ups. They can store your products and ship them out as needed. If you believe there is an international market for your product but don’t like the international shipping hassles, they can help with distribution in that arena as well.

Shipito offers a solution to the in-between time that can sometimes destroy a business by crippling its ability to expand. Their website is simple so it’s easy to understand and use. Really consider this option as a way to make this transition for your business. You can even look forward to being able to park the car in the garage again (who are we kidding – you’ll find something else to store there).

Posted in Business | Comments Off

27 Dresses Review

Wednesday, February 6th, 2008

I saw a movie again.  One of those romantic-comedy things with a less than stellar ending.  Shock and surprise – the girl end up with the guy!  I don’t think that’s giving anything away since that’s always the way it happens. Don’t get me wrong – it’s what I always want to have happen.  If it doesn’t, I’m disappointed.

This time I’m disappointed but not for that reason.  The unfortunate part about this particular movie is that every single person in it is a completely unimaginative stereotype that cannot change or be changed.  There’s the conniving blond, the cynical guy who is afraid of commitment, the dopey father who can’t deal with female children and, of course, the stupid main character who simply sits back and allows people to walk all over her.  There would be no movie if someone gave her even a single vertebra.  I’m willing to donate my coccyx just to help her out a little.

‘Jane’, as she is called, spends her life helping other women get married.  She demeans herself in every way imaginable and hopes to attract her one true love in this way – her boss.  Lucky for her, another guy, Kevin, comes along who wants to use her pathetic nature to get ahead.  He pities her, she falls for him and, after he humiliates her to millions of people, and commits (what for me would be) many unforgivable acts, she marries him.  Now that’s my idea of a love story.  A girl who is willing to demean herself for love.

My very favorite part, though, is near the end, when Kevin demands that she “Get over here” after having previously told her that she should say no to people.  Obviously he means she should say no to OTHER people so that she would have free time for him to control her life.

Ah, l’amour…  If this is love, then I say Blech! 

Posted in Movies | Comments Off

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