Monthly Archives: November 2017

The Significance of Mortgage Rates in Determining Monthly Payments

House loan financingYou already know you can use a mortgage loan to borrow against, purchase or refinance any home, but, there is more to that. It is with first mortgages that you can buy a house or refinance a loan, with second mortgages allowing you to take out loans using the available equity, to add to a first mortgage.

You can also take advantage of the times when mortgage rates here in Ogden are at an optimum low to enjoy an equally lower monthly payment that you would have had you locked in the loan when mortgage rates were high.

Even a 0.25% dip can mean a whole lot of difference

Yes, you read that right. However, besides you identifying any dip from current average rate charts, it will need you to involve a credible credit union to know whether what you term as a low rate is what has been the case in the market. It is only until when you have confirmed that can you lock in that loan.

Should you notice that the mortgage rates are rising, it is advisable that you wait unless your projections for the project for which you are taking the mortgage show that unless you make the step now, the investment will not be cost-efficient.

The Other Jig of the Puzzle

Irrespective of when you take a mortgage loan, it is important you note that closing costs and loan processing fees remain a constant factor that you must take into account. These include, among others, escrow & title fees, lending, appraisal and credit fees, and insurance and taxes.

Whether you are planning to buy a (or borrow against your) Ogden home or to refinance a loan, you can benefit from understanding how the current mortgage rates can affect your monthly payment.

However, besides doing your research on that, engage a qualified financial service provider in discussing your options and determining a time that will be the most cost-efficient to take the mortgage.

Is It Okay to Feed Racehorses Bovine Feeds?

Farm AnimalsIn the lives of farm animals and equine, feed and nutrition are among the most vital needs a farm raiser should focus on. The components of the feeds should vary depending on the needs of each animal. For example, horses need to get the correct nutrition and feed rations to grow and perform well in racetracks. In the same manner, cows should be fed properly to produce milk effectively.

Could bovine and equine feeds be interchanged?

There are some cases reported wherein racehorses are fed with bovine feeds since there is not much difference in the visual components and these feeds are a whole lot cheaper. But look closely: a horse is very much anatomically different from bovine. Take, for example, the gastrointestinal tract of horses, which are far from that of bovine.

Every animal requires its own specific nutritional needs, and one simple example is that of dog and cat foods. The two foods seem to be closely similar, but not wholly. There is a nutrient called taurine that is present in cat foods and not in dog foods. So, interchanging them is not a very good idea since the formula of cat food is for feline and dog foods are only for canine.

Different levels of nutrients

Another reason these equine and bovine feeds should not be interchanged is the difference in their activities. Racehorses need high levels of protein and nutrients to give them more endurance, strength, and energy.

Starting from young horses and calves, calf meals should be given to calves only and foal feeds to foals only. Young animals should intake correct nutrition in order to grow well.

The backfire of attempting to save so much for feeds might hurt because it could cost an animal’s life. Even if they do survive, this might affect their health and cause them to fail to perform their activities well. Feeds are costly – they are 70 per cent of the budget for animal raising. But medications, doctors, and any other compensation might cost double the feeds or a whole lot more.

Do’s and Don’ts in Buying an Engagement Ring

The engagement ring set.Every man’s goal is to make her woman happy. That involves getting her the perfect engagement ring. Whether you have the resources to buy the ring or not, there is one thing you won’t want to do — spend your money on something that is not worth it. With this economy, you always have to make sure that you get your money’s worth.

It doesn’t actually end with the ring. There are many decisions to make: getting the right type of stone, color, and cut, planning the actual proposal, and the list goes on. Here are some do’s and don’ts that you should take note:

DO make sure it’s unique

AAA Jewelers notes that you can get something unique when you get custom jewelry in Utah. Some couples keep the tradition by getting grandma’s diamonds and putting it in a whole new setting. This way, you can still have something new and distinct for yourselves.

DON’T give her what she does not like

The ring should look good on her; it has to be the one she likes. When choosing a ring, think of her personal style and preference. Be creative in making her tell you what she wants or in researching on what she likes. For sure, she has all these information on social media.

DO look beyond the Four “Cs”

The four “Cs” has been the usual consideration for jewelry buyers. Yes, it’s how diamonds are certified and given value, but there is an extra sparkle that you should be looking for, which is not stated on its certificate. You can go for a customized ring or an heirloom. Remember, diamonds should be felt and experienced.

DON’T focus much on the value

Many people say you’d need two months worth of salary to get the perfect engagement ring these days. The truth about this is, it doesn’t really matter how much you spend, as long as you are comfortable with it and you know that what you have chosen will make your loved one happy.

Buying the perfect ring may sound tedious but at the end of the day, all these preparations will be worth it when you hear her say “yes”. Go get that perfect engagement ring and start planning your proposal.


Factors to Think of on Your Search for a Favorable Mortgage Rate

MortgageYou will most likely need a mortgage to fund your home purchase. In terms of mortgages, however, one size does not fit all. Getting a mortgage that specifically works for you is essential.

The chances are that you might be eligible for several types of home loans. Getting one with the best mortgage rates in Utah should then be your ultimate goal. Here are the essential factors that will influence your choice of an ideal rate.

Your Current Needs and Circumstances

Your acceptable mortgage rate will largely depend on the house you want and how much you can afford in down payment. Your current credit rating affects the rate your lender will offer. Borrowers with scores above 800 get lower interest rates. You could consider improving your rating before applying for a mortgage.

Your Future Plans

The monthly payments for long-term loans are typically lower. However, you ultimately pay higher interest rates over the entire loan period. Your plans influence your ideal term. If you want to finish your payments early and focus on other investments, then a short loan period is perfect. If you’re going to stay in your house for a long time, fixed-interest rates might be your perfect choice.

The Available Lenders and Loan Estimates

Get multiple options from various lenders before settling on the best one for you. This will help you comprehend your options and give you bargaining power. You should however not base your decision solely on interest rates and loan amounts. Various other charges come with mortgages. Insurance, prepayment penalties, and closing costs are some of them.

Regardless of your mortgage type, you will pay for closing costs. These costs vary among lenders. They include various taxes, insurance, and professional fees. Some lenders include these expenses in your loan while some demand for their payment upfront. Ensure you discuss and understand these costs with your lender before signing your mortgage.

Save Costs on Construction Without Compromising Quality

Two workers at a construction siteBuilding a house takes years of wishful thinking, mental saving before you finally decide to take the bold step of seeking finance. Costing is often a challenge to most people because they do not know which areas what to sacrifice without reducing the final quality of the house. If you are one of those people, then you are in the right place because we will give you tips that will sort out your problem.

Select a contractor

The quality of your house and the amount of money you will save in construction has a lot to do with the contractor you employ. Let’s say you are planning a new home construction in Salt Lake City. The first thing you need is to look for a contractor. By welcoming bids, you will probably get more than five interested parties who will offer different solutions.

To make the right choice you need to explain to the contractor about your plan and your estimated budget. A great contractor will advise you on the best materials to use while also considering the issue of cost. The contractor who is willing to stick to your plan without altering your budget is the best since he will not point a blaming finger in case you encounter challenges along the way.

Take a supervisory role

Your contractor will give you a time estimate on when your house should ready. Supervising the work is very important because it is the only thing that will push the contractor to meet the work schedule. In most constructions, exceeding the initial budget comes about because of unnecessary delays that sore up the labor cost.

Take advice

Having your plan and preferences is very important, however, if your contractor advises you to change one or two things it would wise to do so even if it interferes with your budget. Remember the emphasis is on ensuring you get the house while working on a minimal budget. Thus, make every use of the professional advice that you get as it might make a big difference.

There are many ways that you can save cost during construction. However, the primary factor to consider as emphasized above is working with professionals who understand your dream and are willing to make it a reality.

Adrenal Fatigue and 5 Ways to Cope

An adrenal gland fatiguedThe human body can only take so much stress before it breaks down. After all, humans are not robots. The tricky part, however, is different people handle, copes, and reacts to stress differently. Thus diagnosing whether or not an individual is suffering from adrenal fatigue can be tricky as well.

Adrenal fatigue is a condition where the adrenal gland, responsible for producing a variety of hormones, is not able to produce the right amount of hormones essential to keep your body at its optimum. This often leads to excessive fatigue, body aches, and sleep disturbances, among others.

1. Professional Help

Seeking professional help to manage your adrenal fatigue is the best and smartest thing to do. A doctor should be able to diagnose and help you cope with the situation through a series of psychotherapy, medication, or other alternative procedures.

2. Slow Down

Adrenal fatigue is mainly caused by stress. Producing too much or too little hormones are your body’s way of reacting to stress in your daily life. Therefore, learn to slow down and listen to your body.

3. Watch your diet

Adrenal diet is a type of diet recommended to adrenal fatigue sufferers to help them manage inflammation and other symptoms in their body. It might vary from one person to another, therefore, it is important to know which type of food works for you.

4. Get enough sleep

Some adrenal sufferers might find it hard to sleep. Sleep is essential to your well-being and getting enough — not necessarily 8 hours of sleep — should be observed.

5. Have a positive outlook

Adrenal fatigue can be both mentally and physically exhausting. As cliche as it might seem, having a positive outlook regarding your situation can definitely make a lot of difference. Yes, changing your mindset works in ways you cannot imagine.

Think you might be suffering from adrenal fatigue? Seek professional help and start your way to healing.

Tea Can Stain Your Teeth More Than Coffee

A Cup of TeaIt is a known fact that drinking coffee can discolor your pearly whites over time. While some may assume that drinking tea is better than drinking coffee, to avoid tooth stains, this is not the case. Some studies point to tea as the cause of darker stains. 

Teas, especially dark-colored ones like black tea, have high tannin content, which sticks to the enamel and yellows your teeth. Coffee does contain tannin, but less than what tea has. 

Oxidation, or the way the tea is processed, also plays a role in how your pearly whites are stained. Dark-colored teas are heavily oxidized, which release polyphenols that give the beverage a reddish brown hue. These polyphenols, furthermore, contain tea-staining molecules that stick better to your teeth.

While it is true that tea can dull your teeth, you can't exactly give up this beverage. Teeth whitening centers in South Bend Indiana offer a few recommendations to minimize the yellowing of teeth:

  • Drink or rinse mouth with water. This reduces the amount of tannins that stick to your enamel. You should also do the same after drinking coffee or any other beverage.
  • Add milk. Research suggests that this lessens the staining ability of tea. Milk has proteins that bind with the tannins to reduce the staining effect.
  • Choose quality tea. High-quality teas are less likely to produce stains than low-quality ones. High-end green and white teas are less likely to discolor your smile than cheap drinks that are reddish brown.
  • Brush your teeth. Proper brushing at least twice a day can help minimize stains. Just be sure to wait for at least an hour after drinking tea to avoid eroding of enamel.

Stains from the beverage can compromise the look of your smile. This is why it is a good idea to keep those tips in mind to lessen staining. If your teeth, however, are already yellow, it is best to visit your dentist for professional whitening. A dentist-supervised procedure is more effective than over-the-counter whitening products. 

Montgomery County Issues Safety Advisory for Zika Virus

Mosquito causing zika virusThe previous summer mosquito season in Maryland prompted the Department of Health and Human Services in Montgomery County to issue a safety warning against the Zika virus.

For this reason, residents should keep their homes free from breeding spots, according to Cindy Edwards, senior administrator for the department’s Communicable Disease and Epidemiology unit.

Preventive Steps

Uncle Skeeter’s Roofing, Siding & Gutters explains that some ways to get rid of breeding places for mosquitoes include the removal of standing water, cleaning down-spouts, and gutter repair. Maryland residents should also avoid visiting places that are currently affected by the virus. The county government said that these places include some parts of Central and South America, Mexico and the Caribbean.

The reported cases of Zika virus in the state have been the result of people who came back from the affected areas. Some people would not experience noticeable symptoms of the virus, although the U.S. Centers for Disease Control (CDC) provided some common signs.

Zika Symptoms

Common symptoms of Zika-affected people comprise fever, rash, headache, joint pain, conjunctivitis (red eyes) and muscle pain. The CDC said that these conditions, which are similar to dengue and chikungunya, might last up to a week. You should visit a doctor as soon as you develop the symptoms, as many people are unaware that they have been infected with the virus.

Aedes Aegypti mosquitoes spread the Zika virus and it causes birth defects, which is why pregnant women should be extra conscious about any insect bite. Even if you are not pregnant, the virus can be transferred through unprotected sex or blood contact.

Mosquito bites should not be taken lightly since one small bite can cause a tremendous health problem. Unless it is necessary, you should avoid traveling to infected areas. Consult a doctor immediately if you experience any or all of the symptoms.

Woman examining business graphs

Fintechs Team Up with Industry Giants

A report carried out by the WEF (World Economic Forum) has suggested that the burgeoning world of financial technology very rarely challenges incumbent market infrastructure. Many people have speculated in the past that fintechs could pose a big threat to the industry’s giants.

The report showed that the key to survival and growth in both parts is partnerships between financial technology and well-established institutions. Fintechs benefit from large cash injections and the financial institutions that invest usually have products developed by their fintechs. A great example of a successful partnership has been Algomi. News is that Euronext, the pan-Euro exchange has teamed up with fintech start-up Algomi to develop software that could change their company for the better.

Fintechs drag banking into the 21st century

Financial technology companies began to have a big impact on consumers’ everyday lives years ago, but companies like Thomson Reuters and PayPal weren’t embraced for years. Well established businesses and institutions were reluctant to work with the new technologies, fearing the impact they could have on their monopoly of the financial world.

Fintech’s most important asset is that it can evolve and change direction at the drop of a hat. When things like challenger banks and online payment services started to threaten big banking, market incumbents began to take notice of the technological advances financial technology could bring to their customers.

The co-author of the WEF report, Rob Galaski said: “Fintechs have changed the basis of competition in financial services, but not the competitive landscape. Fintechs now define the tempo and direction of innovation in financial services, but high customer switching costs and the rapid response of incumbents has challenged their ability to scale.”

News: Algomi partnership’s success story

Euronext’s plan with Algomi involves a $10 million initial investment to get Algomi’s support developing an automated trading system to roll out in North America.

This deal gave Euronext a minority stake in Algomi and a seat at the board of directors. Algomi has secure three more partnerships with different companies in the last six months.

As Algomi continues to grow and expand, stay tuned for all the latest Algomi news.

Boot Styles You Should Own

Part of hippie women sitting on curbEvery stylish woman must have a pair of boots in her closet. Boots are versatile that no matter what the trend is, they will never go out of style. There are plenty of hipster boots trends this year that you can try, including boots by HELM Boots USA, LLC. Remember that your footwear is essential to your style, so be sure to choose the right pair.

Below is a list of some of the types of boots that you can wear:

Rain Boots

Not only is a pair of rain boots convenient and useful during rainy days, but it can also brighten a gloomy look by wearing a colorful pair. These also look great on a background of fall leaves so you can get that perfect photo.

Suede Boots

Whether it’s black, brown, or pink, suede boots are best for any occasion. You can also wear these with any fall look. The chunky heel offers more support for your ends and looks great when paired with an oversized sweater or plain shirt.

Cutout Boots

Traditional boots inspire cutout boots. It added a fun twist with its rock style. Great for a party or a night out, it is recommended to pair these with tinny, slouchy socks. You can also wear this with jeans or dresses.

Snake Skin Boots

A pair of snakeskin boots is a wardrobe essential. A snakeskin bootie with a thin heel and pointed toe can effortlessly replace pumps, especially during colder weather. These also work with skirts, denim, and dresses. Remember when you pair these with a skirt; wear black tights to achieve a more serious, sexy look.

Riding Boots

Riding boots are handy. You can wear these over dark skinny denim jeans with a plain shirt. These are also budget friendly compared to other kinds of boots in the market today.

A pair of boots is a great investment so be sure to choose quality boots that you can wear any time of the year.