At All Pro Appliance Service, Inc., we can come to your home and clean out your dryer vent for you. We can also put you on a schedule to come out every six months to clean it again. We want you and your family to be safe and secure knowing that you have a dryer that works properly and safely without the need to run multiple cycles. The technicians at All Pro Appliance Service, Inc. can also show you other preventative measures you can routinely use on other appliances which will increase the life of your appliance and save you time, money and the hassle involved in purchasing a new appliance and forcing you to wait for it to be delivered and installed.
All Pro Appliance Service, “The only place to go where the service is All Pro!”
Myth #1 – All loans have closing costs that the borrower must pay
Truth: In exchange for a slightly higher interest rate you can receive a credit back that may cover all of the closing costs involved in the mortgage. This includes paying for the appraisal, underwriting fees and all title fees. Although there are certain restrictions involved (such as owner occupancy, loan size, loan-to-value and credit score), we typically suggest this option when it is available.
Myth #2 – Only refinance if there is at least a 1% savings to the interest rate
Truth: If the loan does not have any closing costs that are being paid by the borrower and if the new mortgage balance is not increasing, any level of savings will be of benefit. For example: If a $250,000 loan is currently at a rate of 4.75% and we can do a no-fee loan at a rate of 4.25%, there will be a .5% savings to the interest rate without increasing the balance.
Myth #3 – All loans must be kept for 5 years in order for it to be worth refinancing
Truth: If there are not any closing costs that are paid by the borrower, the breakeven point is immediate. Therefore, even if there are plans to sell the home in two years, it is worth completing a refinance to lower the interest rate. The borrower will, in turn, benefit from this lower interest rate for as long as the loan is in place.
Myth #4 – If I have already refinanced my loan in the last two years I should not refinance again
Truth: First of all, the sad truth is that many people have paid thousands of dollars to refinance their home loans two or more times since mortgage rates began to fall in November of 2008. Now that rates have dropped even lower, many are stuck in the dilemma of wondering if they should refinance again. Although the decision to refinance in the past seemed to be good at the time, the reality is that many now owe more on their home loans than they did before they refinanced the first time. This is typically the result of receiving bad advice.
Even if a homeowner has refinanced recently, it is worth looking at the option again as long as a no-fee interest rate is lower than their current interest rate. If the no-fee interest rate is the same or higher than the current interest rate, it is best not to refinance.
Having a professional mortgage planner who offers superior advice is the way to ensure you are making wise decisions with regards to your home loan. For a no-cost or obligation mortgage review, call my office at 801-501-7950 or e-mail me at firstname.lastname@example.org to schedule your review.
My name is Lorin Hanks, owner of Aggressive Credit Repair LLC. As a credit repair expert I get asked this questions a lot. People sometimes mistake my business as a credit counseling company (also referred to as “debt consolidation”). Credit repair and credit counseling are actually two very different things. Following is my description of each…
Credit repair focuses on improving the entire credit picture for the purpose of obtaining important loans (like a mortgage). Credit repair focuses on all areas of a credit report in an effort to raise scores. This is achieved in part by working directly with the 3 credit bureaus. However, improving credit is not just about the scores. To be more specific, it takes more than a high score to obtain a mortgage. For example, past due debts, recent late payments and open lines of credit are also looked at during the approval process. A high score can be denied if you have other problems on the report. Therefore my credit repair program is designed specifically to meet all the requirements of a standard FHA mortgage. I do this by utilizing a simple 3 step process. A good candidate for credit repair is someone who is financially stable enough to pay all current debt on time and settle old debts, if they have any.
Also known as (and more accurately described as) “debt consolidation”. Credit Counseling focuses only on debt. Credit counseling companies operate by collecting all your debts and consolidating them into 1 payment. Your debts aren’t actually consolidated but your payment is. You pay the credit counseling company one payment a month. In turn they disperse it amongst your creditors. They make their profit by keeping a portion of that monthly payment for themselves. They also settle down debts and can sometimes negotiate lower interest rates on credit cards. This attracts many to the service. Many programs literally take years to complete. Credit Counseling is the way to go if your only concern is debt and you think you need someone to help you with it.
–Lorin Hanks, Aggressive Credit Repair
Need Tires for your Light Truck or SUV? Need the real information to compare tire brands and performance? Be informed of the different tire grades and price ranges-to select the right truck tire for you. Tom at Hillside Tire shows and compares 3 different tire brands and grades, and how your budget, your driving habits, and your particular truck are all factors in getting the best value for your tire purchase.
Tom displays and explains a Goodyear Wrangler H radial, a Kelly Safari ATR light truck tire. a Michelin LTX M/S2 tire, and a Goodyear SilentArmor truck tire. Remember the 3 factors determining truck and SUV tire price:
Hillside Tire is an Authorized Goodyear Tire and Michelin Tire Dealer In Utah. We offer FREE alignments with any set of 4 new tires purchased at our stores. At Hillside Tire and Service, we are your tire brand experts for all makes and models, as well as complete auto repair in Salt Lake City. Come in to any of our 5 Salt Lake Valley tire stores: Salt Lake City (Cottonwood Heights), West Valley City, West Jordan, Sandy or Draper, and get to know us, like Bill Gephardt does, through our auto repair service specials (see coupons). We also check your Braking System-at no charge! See us for tires (we have tire discounts from manufacturer factory rebate specials going on right now), alignments, oil changes, inspections, emissions, and complete auto repair services.
Here is something I don’t do: I DON’T USE MY DEBIT CARD!!
Here is something I always do: I ALWAYS USE MY CREDIT CARD!!
Ever since the invention of the debit card, I have been preaching that they are a dangerous financial instrument, when compared with credit cards.
Let me begin with just one reason: Security.
Both the credit card and the debit card fall under the same law (Regulation E) for consumer protections. But let’s look at how the same law is very different for credit vs. debit cards.
If there is a mistake or a fraud involving a CREDIT card, as soon as you see your bill, you contact your credit card company and declare: “THAT’S NOT MY CHARGE!! TAKE IT OFF!! I REFUSE TO PAY IT!!” And that is precisely what happens. Eventually, you sign some papers saying that is not your charge, and eventually, it is taken off your bill. Your credit is restored in full.
However, if the same mistake happens with your DEBIT card, the same rules and laws result in a very different result.
When you say, “THAT’S NOT MY CHARGE!! TAKE IT OFF!! I REFUSE TO PAY IT!!” the trouble is, you’ve already paid it. That’s right, while you wait for those papers to sign saying those were unauthorized charges and the bank tries to figure out whether or not you’ve been defrauded, the bank and the crooks get to keep your actual money. That is money you can NOT use to pay the rent or the mortgage or the electric bill or anything else. Tomorrow, we’ll talk about rule number one as you get yourself off of your addiction to your debit card, and on to my addiction of using my credit card.