Do you know what to do about finding a lost life insurance policy? You may not think too much about this, but for many people, this is an everyday occurrence. They lose a loved one and know they carried a life insurance policy, but they can’t find it. They have no idea who the life insurance company was that wrote the policy.
While you can have the affiliate mail or fax the document, the federal government now allows for digital signatures. Therefore, you can send the paperwork via e-mail and the person can digitally sign the document.
That is why I am suggesting to hire someone who knows what they are doing. When you are looking for credit repair agencies, there are three warning signs you look out for. AVOID a company that has no time-line from start to finish. AVOID the company that looks like it is the cheapest. You are not shopping for a good deal on furniture on craigslist. This is an investment in YOU that pays for itself within a few months. Finally do NOT, under any circumstances do business with a credit repair company that does not ask you to sign a Power of Attorney (an authorization to act on someone else’s behalf in a legal or business matter). Creditors are not obligated to answer letters unless they are directly from the person with a credit issue, or someone acting under their behalf by way of a power of attorney.
Just as your original mortgage had closing costs, so to will your refinanced mortgage. Standard fees include origination, appraisal, and closing fees. Points may also be required to secure a low rate. By looking at the APR you can figure which lenders is offering the best fees in relation to their rates.
Ask your loan officer if the loan is a fixed rate mortgage or an adjustable rate mortgage. The advantages of a fixed rate mortgage are no surprises. Your payment will remain the same for as long as you have that loan. The advantages to an adjustable are usually a rate that is 1.5%-2% lower. This can equal huge savings. For example: a $100,000 loan with a rate of 5.5% is $567.00 per month (principal and interest only). A $100,000 loan with a 3.5% interest rate is $449.04 per month. Over a 3 year term, this will save the borrower $4,246.56. The disadvantages of an adjustable rate loan are that the payment may increase in the future. Always ask for the worst case payment based on the highest rate.
What is a Kona blend? If you are looking for a Kona blend, look twice. Hawaii law requires manufacturers to label the amounts of blends in their products, but fiscalnote data does not. Kona blends are mixtures of the true Kona with other coffees, and the amount of the proportions can be very different. Some blends have as little as ten percent Kona, with the rest of the blend coming from Brazilian, Central American and other beans.
Third, check with any club or professional organization that you may be a member of, many offer insurance plans. Don’t over look unions or alumni affiliations you may have. Don’t leave any stone unturned.
You’ll need a legal adult present to deal with the car transport company to drop off and pick up your car. This is to insure that the vehicle transport driver has someone who can sign for the car and verify its condition.