A Quote by Barbara Corcoran
Refinancing your mortgage usually makes sense if you can lower your interest rate by at least two points. But the most important question to ask yourself is, how long will it take you to break even?
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A consolidation makes sense only if you can lower your overall interest rate. Many people consolidate by taking out a home equity line loan or home equity line of credit (HELOC), refinancing a mortgage, or taking out a personal loan. They then use this cheaper debt to pay off more expensive debt, most frequently credit card loans, but also auto loans, private student loans, or other debt.
One of the things I realized is that if you do not take control over your time and your life, other people will gobble it up. If you don't prioritize yourself, you constantly start falling lower and lower on your list, your kids fall lower and lower on your list.
Mint's business model became, 'We'll go for free, and then we'll find these savings opportunities for you.' You know, better interest rate on your credit cards, when should you consolidate your student loans, when does it mathematically make sense to refinance your mortgage, and Mint figures all that stuff out for you.
In a forbearance, the homeowner pays interest and principal on a smaller mortgage, at least for a time, but still owes the full amount. The lower monthly payment helps with affordability, giving stressed homeowners a break.
Take the years when you’re young – say, between the ages of fifteen and thirty-five, before you have a mortgage or kids or anything else that needs to be fed – and go balls out on intuition and follow your dreams. Dreams won’t always take you on a straight path to destiny, but they’re usually related to what your soul wants for you. They’ll force you to ask yourself the hard questions, they’ll kick your ass, and most importantly, they’ll turn you on.
If you recognize how you are most effective - whether it's how you present yourself or whether it's how you speak, how you convey enthusiasm - when you realize what makes you feel like your most confident self, that's when you are going to be your best. You just have to figure out what makes you effective in your environment. As long as you get that right, they are always going to remember you a lot more!
The most important part of the practice is for the question to remain alive and for your whole body and mind to become a question. In Zen they say that you have to ask with the pores of your skin and the marrow of your bones. A Zen saying points out: Great questioning, great awakening; little questioning, little awakening; no questioning, no awakening.
If you fail to pay your minimums for any debt on time, your credit score will take a major hit and you run the risk of seeing the interest rate on all of your cards go up. An easy way to remind yourself to pay, is to sign up to receive your statements via e-mail.
First, pay off your high-interest-rate debt. If you have student loan debt - that's low interest rate; that has a tax benefit - you can leave that out. A mortgage can be an OK one. Credit card debt is poison. That needs to be paid off right away.
And most importantly, ask more from yourself! This is the real key. Ask what you can do to help. Ask what you have to offer. Ask what you can contribute. Ask how you can serve. Ask yourself how you can do more. Ask your spouse how you could be more helpful, loving or kind.
(...)how important it is in life not necessarily to be strong, but to feel strong, to measure yourself at least once, to find yourself at least once in the most ancient of human conditions, facing the blind, deaf stone alone with? nothing to help you but your hands and your own head.
The important question has nothing to do with whether the talk in your story is sacred or profane; the only question is how it rings on the page and in your ear. If you expect it to ring true, then you must talk yourself. Even more important, you must shut up and listen to others talk.
The world is yourself pushed out. Ask yourself what you want and then give it to yourself! Do not question how it will come about; just go your way knowing that the evidence of what you have done must appear, and it will.
If you approach a difficult problem without struggle, your ego will at first try to take charge from years of habit. Do the minimum and stand back. Solutions incubate at a deep level, not at the speed demanded by your mind. Take a break and come back the next day. Allow the answers to arise from your center, even if it takes a while. However much you have to retrain yourself in this practice of Least Effort, the ability to come from your center is worth the highest price anyone could pay.
Here's what I wish people wouldn't ask me: "Who are your influences?" That's a boring question. It's not even like, "What's it like to be a woman in comedy?" That question also happens often in interviews, but I at least understand where it's coming from. "Who are your influences" - I wonder if people ask that of male comics? Maybe they do.
You don't know how to take off your suit of armor. You have no idea how to conduct yourself without the reference point of your own security... You can expose your wounds and flesh, your sore points. You can be completely raw and exposed.
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