- What should I do if I receive a winter weather warning in my area?
- What should I have on hand in case of a power outage?
- How can I make my home safer if a hurricane is coming?
- How can I protect myself from falling debris in an earthquake?
- How can I make sure my pets are taken care of in a disaster?
Tuesday, January 30, 2018
A Resource for Readiness
When it comes to emergencies, you can't be overprepared. Knowing how to respond - and quickly - may help you and your family stay safe. So where do you start? Check out Ready.gov. You'll find answers to questions like:
Friday, January 26, 2018
Latest Mortgage Rates as of 1/26/2018
Mortgage rates held steady since my last update. FHA pricing has improved significantly due to a new investor. Here are latest mortgage rates:
Conventional
30 year fixed = 4.125%
20 year fixed = 4.00%
15 year fixed = 3.75%
FHA/VA - (Pricing improved with new investor)
30 year fixed = 3.95%
Jumbo (loan amounts over $453,100)
30 year fixed = 4.375%
15 year fixed = 4.00%
5 year ARM = 3.75%
** Above rates considering 740+credit score, 25% down payment, owner occupied, 30 day rate lock, $250,001 minimum loan amount, purchase & escrows. Rates can change at any time without notice..
Please Scott know if you have any mortgage related questions. I have used his services for many years.
Scott Jacobsen
Vice President of Residential Lending
Cell # (630) 673-3103
E-fax # (312) 592-2232
NMLS # 664645
Key Mortgage Services
475 N. Martingale Rd. Suite #100
Schaumburg, IL 60173
Cool Website: Oh My Disney
A fun and interactive site for lovers of everything Disney, it has quizzes, news, art, video, nostalgia, movies, parks, and everything else Disney.
www.ohmydisney.com
Thursday, January 18, 2018
Ever Wonder About - "Germs in Restaurants"??
THINGS NOT TO TOUCH OR USE:
- The table
- The seat
- Menu
- Condiments
- Ice
- Lemon slices
- Door handles
- Buffet utensils
Friday, January 5, 2018
Per Gregory Karp, Credit Card 'autopay and everyday' can help deter fraud
53% of consumers say their financial institution sent them a new payment card over the previous year because of a data breach or fraud, according to a 2016 report by Aite Group, a financial services research firm.
Choose one card to make automatic payments on recurring bills and another for everyday spending.
Designate one of your credit cards for trusted recurring autopay accounts, such as cellphone and utility bills, software subscriptions and news sites. Then don't use it for anything else. That way, the card isn't being processed by restaurant servers, gas station pump readers or online retailers- common ways thieves steal numbers.
Use one of your other credit cards for everyday spending, both in stores and online.
A flat-rate rewards card or an old card you want to keep active would be idea to use for autopay accounts. Using a rewards cards to accumulate cash-back rewards, points or miles makes sense for bills. You might have to pay them anyway, so you might as well get something for it. With cash-back cards, the rewards will be like a discount on your spending, assuming you pay your monthly credit-card bill in full and don't incur finance charges.
A flat-rate card is ideal because its rewards rate is the same regardless of the merchant. You can get a decent cash-back rate without having to juggle multiple cards or increasing your exposure to potential fraud.
Old, unused card. To keep credit scores high, you'll want to keep old credit-card accounts open, even if you don't like a card anymore, unless it charges an annual fee. The age of credit accounts is a major factor in the calculation of credit scores, as is your total credit line compared with the total amount of credit you're using.
Choose one card to make automatic payments on recurring bills and another for everyday spending.
Designate one of your credit cards for trusted recurring autopay accounts, such as cellphone and utility bills, software subscriptions and news sites. Then don't use it for anything else. That way, the card isn't being processed by restaurant servers, gas station pump readers or online retailers- common ways thieves steal numbers.
Use one of your other credit cards for everyday spending, both in stores and online.
A flat-rate rewards card or an old card you want to keep active would be idea to use for autopay accounts. Using a rewards cards to accumulate cash-back rewards, points or miles makes sense for bills. You might have to pay them anyway, so you might as well get something for it. With cash-back cards, the rewards will be like a discount on your spending, assuming you pay your monthly credit-card bill in full and don't incur finance charges.
A flat-rate card is ideal because its rewards rate is the same regardless of the merchant. You can get a decent cash-back rate without having to juggle multiple cards or increasing your exposure to potential fraud.
Old, unused card. To keep credit scores high, you'll want to keep old credit-card accounts open, even if you don't like a card anymore, unless it charges an annual fee. The age of credit accounts is a major factor in the calculation of credit scores, as is your total credit line compared with the total amount of credit you're using.
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