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Rich Conley - MLO Constant Funding, Inc.
22994 El Toro Rd.
Lake Forest
Ca. 92630
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"I am a proven mortgage expert"
Are You Managing Your Finances Wisely?
Are you paying too much for your mortgage? Is your money being invested wisely?
If you are curious about how you could save money every month, why not see if I can help you?
Just give my office a call for a no-fuss, professional consultation.
I will not try to push you into making any quick decisions and I will not waste your time. I will just give you the honest facts about your financial situation.
And maybe I will save you a few dollars along the way!
Just reply to this email to arrange an appointment.
Quick Quiz
Each month I'll give you a new question.
Just reply to this email for the answer.
What country does Waterford crystal come from?
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Recipe: Rum Orange Chicken Kebabs
Serves 4-6
• 2/3 cup dark rum
• 1/3 cup fresh orange juice
• 1 tablespoon orange zest
• 1 tablespoon grated ginger
• 1/3 cup Worcestershire sauce
• 2 tablespoons brown sugar
• 2-3 garlic cloves, minced
• Salt and pepper to taste
• 4-5 skinless, boneless chicken breasts cut into 1-inch pieces
• Chopped cilantro, optional
• Orange wedges, optional
Directions
In a medium bowl, whisk together the first seven ingredients and season with salt and pepper.
Place the chicken in a shallow dish or ziplock bag and add enough marinade to coat the chicken. Marinate for at least an hour.
Place chicken cubes on a metal or bamboo skewer and broil for 10-15 minutes, turning once or twice during cooking and occasionally basting with remaining mixture.
Serve chicken with orange wedges and sprinkled with chopped cilantro.
Worth Quoting
Here are some famous quotes on the topic of diets.
"I've been on a diet for two weeks and all I've lost is two weeks."
Totie Fields
"Never tell anyone that you're writing a book, going on a diet, exercising, taking a course or quitting smoking. They'll encourage you to death."
Lynn Johnston
"What some call health, if purchased by perpetual anxiety about diet, isn't much better than tedious disease."
George Dennison Prentice
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Looking for a Mortgage? Here's What You'll Need
You may be wondering exactly what information your lender will ask for when you apply for a mortgage to either purchase or refinance a home. Following is a primer on some of the basics:
Income and Assets: Lenders are looking for 30 days of pay stubs, regardless of how often you get paid, plus the last two years of W-2 forms. Tax returns would be even better. If you've had more than one employer, be sure to get contact information for each, as lenders will need to verify your employment for the last two years.
Savings Proof: Proof of all checking, savings and retirement accounts will be needed. If you are scanning or faxing statements, be sure to include all pages of statements, even blank ones. Lenders are sticklers about seeing everything.
Residence History: First-time homebuyers, specifically those who have rented from landlords, will need to provide contact information for those landlords. If the landlord cannot be located, copies of canceled checks going back at least 12 months will likely be required.
Property Insurance Information: All lenders require that properties on which they lend money have property insurance. Make sure you have the name and phone number of the insurer you plan to use.
For Refinances: If you are refinancing, have a copy of the mortgage or mortgages that you have on the current property. Lenders need to be contacted both for payoff information and to verify that you are current on your payments with them.
Easy Ways to Replace Those 'Bad for You' Foods
Learning what to eat is just as important as learning what to avoid.
Eat the wrong foods and chances are you will undermine all attempts to control your appetite.
Eat the right foods and you might be surprised at how easy it is to give up even the worst habits.
Following are the leading culinary culprits that leave you wanting more, as well as some easy replacements sure to satisfy:
Salt: High sodium intake not only increases blood pressure, but it leaves you wanting more. Substitute salt with fresh herbs to enjoy the flavor without the craving.
Sugar: Satisfy a sweet tooth by using natural alternatives like stevia instead of sugar. Not only will eliminating sugar also control cravings associated with fluctuating glucose levels, but eliminating sugar is a great way to lose weight and reduce the risk of late-onset type 2 diabetes.
Fat: Fat comes in all shapes and sizes, but butter and oils are often the most frequently encountered in the modern diet. Replace fats with slow-burning carbohydrates or proteins to obtain the same fullness and fuel your body.
Most foods combine two or more of the above ingredients to create an even more powerful sensation designed to increase cravings.
Limit the ingredient list to only one of each item to minimize the impact. Better yet, replace them with an easy-to-use alternative.
Within weeks you will feel satisfied without the constant cravings.
Picture credit.
How to Make the Airport a More Pleasant Experience
From extensive security checks to lost luggage, it's no wonder millions of Americans list a trip to the airport right up there with a visit to the dentist.
Fortunately, with a bit of planning and preparation it's possible to make your next trip nearly painless - if not downright pleasant.
1. Allow Yourself to Lounge: A one-day lounge pass is one of the best-kept secrets among those in the know. Frequent flyers are not the only ones who are able to enjoy the benefits of the VIP lounge. With a one-day lounge pass even occasional travelers can enjoy the benefits of service, comfortable seats and knowledgeable staff.
2. Ship Your Stuff: This is such a simple but effective idea that you might wonder why it's not more popular. Instead of paying premium prices to check your baggage only to encounter minimal reimbursement in the event of damage or loss, simply ship your bags ahead of time. Not only is it convenient and cost-effective, but the insurance is substantially better in the event of a claim.
3. Learn What to Ignore: Air travel involves a lot of distractions, so learning what to ignore not only makes time on the flight go by faster, but it reduces tension and fatigue associated with travel. A good set of earplugs goes a long way toward minimizing the sound of everything from crying babies to the engine. Likewise, skip the free food and focus on relaxing instead. It's a great way to arrive at your destination rested and ready to enjoy the remainder of the trip.
Picture credit.
Different Ways to Pay Down Your Mortgage
Homeowners are always looking for ways to pay off their mortgages early and, in the process, save money on interest.
Adding even small amounts of extra principal each month can add up to huge savings over time.
Although prepayment penalties are less common these days, and illegal in many states, if you have one in effect or think you do, check your loan documentation or consult with your mortgage professional before making any prepayments.
So what are your options?
The following numbers show the savings that can result:
A $100,000 loan, fixed for 30 years with a 5.5% interest rate, excluding property taxes, homeowners insurance and mortgage insurance, will have a monthly payment of $567.79.
If the loan were to be paid off in 30 years (360 months), you will have made payments totaling $204,404.40.
One Extra Payment per Year, Over 12 Months
Adding another $47.32 ($567.79 divided by 12) as principal to your payment each month will take roughly five years off of the end of the mortgage.
You would make 298 payments of $615.11 and one payment of $574.66, for a total investment of $183,877.34 - a savings of just over $20,500 compared to the 30-year counterpart.
One Extra Payment per Year, Once per Year
If you were to pay one full extra payment every 12th month, starting at the end of the first year, you will have paid $184,637.26 - a savings of just over $19,700 compared to the 30-year counterpart.
Pay It Off in 15 Years
Payments of $817.08 per month for 15 years will pay off the loan as well, the total expense being $147,074.40 - a staggering $57,330 less than the 30-year counterpart.
RICH CONLEY
LOAN OFFICER
DRE #01837830
NMLS #334659
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