Even if you have bad credit, refinance on your existing home is still possible. I know it may be hard to comprehend, you thought you were stuck right where you are; because no one wants to help any one who is down. Usually they do all they can to keep you down. Well, things have changed these days because interest rates are so low your lender may be willing to help without causing too much anguish on your part.

The only thing your lender is interested in is you making your monthly mortgage payment in full and on time. If they have to tak
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e a little off the interest to accomplish this fact then they will. They do not want your house. They probably have so many at this point they can't even count them. The last thing they want is one more house.

Ask your lender to help you learn to rebuild your credit rating in order to refinance your house and help you get out from under some bills. If they start seeing you as a person instead of an account number you will benefit. You can save hundreds of dollars a year on your monthly mortgage payment, because the prime interest rate is still so low.

Remember, your lender is not just going to agree to do this right when you ask them to. They will need some information from you to help them make their determination. They will need your income and verification of that income, how much debt you have and all three credit scores before they will even think of saying yes.

As I said the prime rate of interest has fallen recently and this is a positive thing for you if you do need to refinance. You will still probably pay a higher interest rate when you do refinance but take solace in the fact that you will not pay nearly what you would if the interest rate had not gone down at all. If you do not already escrow property taxes or insurance you may be requird to do so with a refinance just like you would be if you were going for a modification of your loan.

If this happens your payment may not change very much at all but you will have the peace of mind in knowing that your property taxes and insurance is taken care of with every monthly payment.

So what happens if your lender says that after careful consideration they still think you are too much of a risk and responds negatively to your application for refinance, The first thing I would do, other than finding ways to make the monthly mortgage payment on time, would be to check with the state to find out how long it will take to foreclose on a house and what to expect.

Then saving money to finance your move has to take precedence over anything else. So keep up with the monthly bills but if your lender is going to foreclose, save the house payment for several months for your new rental. Go over your finances and simplify as much as possible. Get rid of payments you do not need to make and try to reduce the ones you do need to make. Fixing your finances yourself can give you a great sense of relief and accomplishment. Especially if your lender thinks you are too much of a risk, because of your bad credit, refinance with them is out of the question
Vital Information You Should Know About Furniture

Whether you live in a large or small home or an apartment, you probably need to purchase furniture. Before purchasing new pieces, you should consider a few things. This article offers insights on furniture.

If you are seeking out old furniture, ensure you examine its underside so that you ensure stability. Sometimes, looks can really be deceiving. Rust and dry rot are common problems that tend to plague older furniture.

Look at secondhand stores. Perhaps you have not ever shopped at a thrift store, or at least not in a long time. However, yo
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u can locate some fantastic furniture in these shops. Most stores only take small pieces of furniture but you can sometimes come across a nice dining room table or a sofa.

Always inspect the legs when shopping for furniture. The legs should be hefty and should be attached to the frame. Wooden legs are the most durable, while plastic, metal and rubber legs also scratch flooring. If the legs are just nailed to the body, the construction is not superior and it might not stand the test of time.

When purchasing pattern sofas, ensure that their fabrics are aligned properly. Cheaper sofas often have patterns or fabric that is misaligned a little. Remember that you will have to look at your sofa everyday, so it might be worth it to spend a little extra for a fabric that looks perfect. Remember that it will be in your home, so you want it to look perfect.

Look for pieces of furniture that are built solidly. Avoid chests or drawers with pressed wood and go with those made of solid wood. Inspect pieces for plywood backs. Put pressure on both sides of each piece to ensure there is no movement.

Before you go and buy furniture, you should have a budget. Furniture pieces that are physically similar can have seriously different prices. You can end up spending much more than you can afford if you do not go in with a plan. Knowing up front the maximum you can spend helps to keep you from getting in over your head.

When looking for furniture, opt for pieces that are made of durable material. It's important that you receive a great value for your money. Furniture is an expense, so you don't want to have to replace it that often. By going with hardwood or metal, these durable materials will most likely hold up over a long period of time.

Eventually you have to get off the computer and go to a furniture store. Online research is good if you want to get product details, but you need to physically see furniture before making a purchase. It's the only way to determine if a piece is right for you.

Before you take other people's old furniture, think of the condition. You would hate to get a sagging couch simply because a friend agrees to let you have it. While you might not have the budget for brand new pieces, it is important to make sure you're not taking a piece that really won't meet your needs or last.

Be sure you know about the best times for furniture sales. For instance, September is seen as the ideal time to purchase a vehicle. This kind of scenario also applies to purchasing furniture. Figure out what times they are!

Make sure that you look through any junk mail you receive. There may be a few advertisements for furniture companies in there. There are always local deals happening, you just have to be aware of them. These deals tend to be placed in newspaper inserts or junk mail.

Check out the classifieds for free items. You could find some great furniture this way. A lot of people just throw away old furniture that only need a little cleaning or refinishing. If you use some effort into renewing these pieces, you can have great furniture for just a little bit of investment.

Before you purchase a chest of drawers or similar piece, be sure to open and shut all the drawers. You will definitely notice quality construction. Each drawer should easily open and close with no jiggling. They will last much longer when they fit better. You will notice that cheaper furniture does not fit as well together, and this will shorten its lifespan.

Do not waste your money on low priced furniture that you don't really like. Layaway can be an option in many furniture stores. It is better to wait a little while to get a piece you really want.

Once you know the style and budget you have, utilize this information to help guide you. There are things that you need to consider when you're going to look for furniture that meets your needs. This article has the knowledge and advice you need to choose wisely when furnishing your home.
All the best reviews of products and programs in the complementary, alternative and holistic wellbeing world.
Hello and welcome to this article about fitness-super-market.com in this article I will be talking about the different aspects of the website.

At fitness-super-market.com we sell only the best fitness equipment on the market, ranging from hi-tech gym equipment like exercise bikes, treadmills, dumb bells and all the latest machinery you could ever need.

We also sell agility ladders, ankle and thigh weights, arm machines, back machines, balance boards, boxing gym equipment, monitors, fitness trackers, floor mats, medicine balls, pedometers, pull up bars, pulse oximeters and step machines.

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re is also stuff on the website that caters for cardio training, core and abdominal. Pilates, strength training, weight training and yoga.

In this website there are many videos to watch as you train.

At fitness-super-market.com we sell all our products at a very competitive price. At the click of a button you could have all these highly exclusive goods sent to you at the fraction of the price.

The Franks Law Firm, PLLC
#505, 460 Briarwood Dr Jackson, MS 39206
(601) 773-7777
This workout will work your entire body using a wall and a single dumbbell. As always, talk with a doctor before making any fitness changes and honor your body. Feel free to modify as needed! You can modify most of these exercises by ditching the wall and using a bench or the floor for a less-intense version.

Hey friends! Hope you’re enjoying the week. Today, I’m recording a podcast episode, catching an Orangetheory class, and grilling with the fam. I’m definitely loving this Tucson summer. It’s so amazi
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ng having family around, especially since they always want to hang out.

For today, I have a new workout for you!

All you need for this one: a wall and a dumbbell.  

I like incorporating lever and incline changes in my workouts and classes as a way to make standard exercises more challenging. Decline push-ups are wayyyy more exciting than regular push-ups, and something about putting your feet on a wall or bench for hip bridges transfers the work directly to that bootay. 

This one was so much fun to put together, and I really hope you love it!

Here’s what the wall workout looks like: 

Single-arm push-ups: Stand perpendicular to the wall, about 2 feet away. Lean towards the wall and place your outside hand flat on the wall, so it’s bent at the elbow. Squeeze your shoulders and chest to push yourself away from the wall. Complete all reps on one side before switching to the opposite side. 

Split squat: You’ll step one foot onto the wall. Make sure to hop or step a few steps forward to give yourself a safe stance to sink down into a squat. (Think of this as lunging with your back leg on the wall.) Make sure as you sink down, you keep a tall posture and watch the front knee to make sure it doesn’t extend past your front toes. 

Wall sit with dumbbell press: Come into a wall sit, holding a dumbbell, with your back against the wall, feet flat on the floor, and a 90-degree bend at your knees. Hold onto each end of the weight and bend your arms to bring the weight in towards your chest. Keep your shoulders down and exhale as you press the weight straight out in front of you. Bend your arms to bring it back in towards your chest. You’re holding a wall sit the entire time. Complete as many as you can in 30 seconds. 

Triceps dip: For a more challenging version, place your feet on the wall (I used a step in the photo above). As you complete your dip, make sure that your elbows stay pointing straight back, keep your chest lifted, and shoulders down. Modification: overhead dumbbell triceps extensions. 

Dumbbell oblique twist: Come into a wall sit, holding a dumbbell, with your back against the wall, feet flat on the floor, and a 90-degree bend at your knees. Hold onto each end of the weight, and lower the weight to one side of your thighs. Bring the weight overhead, and using your obliques, twist and lower the weight to the opposite side. 

Mountain climbers: Get in plank position with feet on the wall and your wrists under your shoulders. Bring one knee towards the elbow on the same side. Move back to plank and switch to the opposite side. For more of a challenge, move as quickly as possible.

Plank: Make sure that your body is in one straight line from your head, all the way back through your knees or toes (depending on whether you’re modifying). If you’re on the wall, press back through your heels, and keep your core lifted. Tilt your chin away from your chest, so your neck stays long, and take some nice deep breaths. You can walk your feet up the wall a little for less pressure on your core.

Single-leg hip raise: Start on your back with legs bent and feet flat on the wall. Lift one leg off the floor, and press your heel towards the ceiling. Squeeze your glutes to lift your hips, keeping your upper back pressing into the floor and hips parallel to the floor. Lower down towards the floor (don’t touch it!) and exhale to rise back up. Continue for 10 reps, then switch legs.

Please let me know if you give it a try! If you’re catching a workout at home, what do you usually do?



Photos: Lindsay Colson

Wearing: Twist and Toil tank and Align Crops

The post Wall Workout (all you need is 1 dumbbell) appeared first on The Fitnessista.
Red, orange, yellow and green: Peppers brighten our meals with vibrant colors and rich flavors. And they’re loaded with many essential nutrients, including substantial amounts of vitamins A and C, according to the United States Department of Agriculture (USDA). Homegrown peppers light up gardens and containers, too, with their vivid hues and unique shapes. They’re easy to grow and there are lots of different kinds to choose from, so you are sure to find one or more that suit your tastes. Whether you’r
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e an experienced green thumb or gardening for the first time, these hints are sure to help you get your best pepper crop ever.

Gardening with Scott: How to Grow Your Own Potatoes

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Check out eight simple tips for homegrown peppers:

1. Plant a few.

If you like sweet-tasting peppers, you can choose from bell-shaped varieties, pimentos and frying types. Ace is a reliable bell pepper and Lipstick is a productive, trouble-free pimento. Both start out green but eventually ripen to red. Cubanelle bears yellowish, tapered frying peppers. Chile peppers add spice to your meals and grow well wherever summers are hot. Jalapenos are mildly spicy, but if you like your food zestier, plant Anaheim or even hotter habanero peppers. Whichever you prefer, include more than one variety in your garden and you’ll be almost guaranteed a healthy harvest, no matter what the conditions are like during the growing season.

2. Full sun, loose soil.

Peppers are native to the tropics, so they fare best where they get lots of direct sunlight throughout the day. Like most garden crops, pepper plants suffer when they sit in water that doesn’t drain away after a rainstorm. If planting them in a garden, loosen the soil well and add compost to help disperse moisture. For containers, use a mix of compost and potting mix—ordinary garden soil is too dense and holds too much water.

3. Fertilize early.

During their first few weeks after planting, peppers need nutrients to grow tall, sturdy stems and a robust leaf canopy. Use an organic liquid fertilizer, such as those made with seaweed and fish (Alaska is a widely available brand) to ensure the plants have a balanced supply of nutrients. Feed them only once a week and carefully follow the package instructions. Remember, just like with people, too much feeding is not healthy for plants. When the fruits begin to form, stop fertilizing, as you want to the plant to focus its resources on ripening them rather than growing more branches and leaves.

Gardening with Scott: Turn Fresh Produce Waste into Taste

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4. Water and mulch.

As tropical plants, peppers are accustomed to growing with a steady supply of moisture. Give your plants at least one gallon per week during the growing season (when it hasn’t rained). Surround each plant with a two-inch-deep layer of dried grass clippings or straw to help block weeds from sprouting, which siphon away moisture from your pepper crop.

5. Stakes or cages.

Homegrown peppers don’t sprawl like tomato vines do, but when they are loaded with fruit the branches and stem can bend or even break off altogether. Give the plants some support by tying them to wooden stakes or surround them with the small size of tomato cages.

6. Wait to pick.

The fruit of nearly every variety of pepper starts out green or purplish-green, which eventually turns to red, orange or yellow when they are fully ripe. When they reach their final color, peppers are at their peak of flavor and nutrition. (There’s a real difference: One cup sliced green pepper = 74 milligrams of vitamin C vs. one cup sliced red pepper = 117 milligrams of vitamin C.) Patience is essential to get the most colorful, flavorful and nutritious homegrown peppers. It can take up to three weeks or even more for a full-size pepper to change from green to its final color. When you bite into them, you’ll be glad you waited.

Gardening with Scott: Your Best Tomato Harvest Ever

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7. Clip, don’t pull.

Ripe peppers don’t separate easily from the branches like tomatoes do. Instead of pulling them off and possibly damaging the plant, use hand pruners to clip the stems as close to the branch as possible. Snip cleanly so the plant stays healthy and continues producing new peppers.

8. Easy preservation.

Did you harvest more peppers than you can eat right away? Homegrown peppers, especially the spicy types, are easy to dry and keep for use another time. Simply spread them out on a cookie sheet and put them in your oven at the lowest temperature setting—ideally about 200 degrees F. Check them every 30 minutes or so as they dehydrate. Take them out when they are wrinkled and firm. If you like to make your own hot pepper flakes, leave them in the oven until they are crumbly. When they cool, crush them with an herb grinder and store them in an airtight jar. Now you have your own homegrown Free Food you can use to season any healthy meal.

The post Gardening with Scott: How to Grow Your Own Peppers appeared first on The Leaf.
Hi friends! Happy Monday to ya. I hope you’re enjoying the morning. The girls are off to their fun half-day camps, and I have a couple of conference calls and a car-related errand. Always a joy. We’re getting excited for my nana’s bday this week (I need to find a piñata!) and I’m looking forward to catching up with an old friend from high school for brunch.

It rained almost all weekend! The desert was definitely needing it, and it cooled the temps way down. Before the rain hit Friday evening, we met up with Meg and Everly at
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the park, and then grabbed dinner at Bear Canyon Pizza.

You guys. Bear Canyon Pizza may be my new favorite kid-friendly place. They have not one, but TWO kids’ play areas (an indoor area with a chalk wall, toys, and books + an outdoor place house) and the food is awesome. They also have local beers, gluten-free pizza, and cauliflower nachos. I can’t even. 

Saturday morning, we woke up early and headed straight to the Mercado San Augustin to grab Mexican donuts from Estrella with Kyle, Meg, and Everly.

(My childhood in a glass case.)

We hadn’t been to the mercado yet, and it looks like we’ll be making up for lost time. They have quite a few vendors (like little boutiques and food stands, like a bakery, raspado shop that has Mexican shaved ice and fruit with chili powder and lime <— the best), and a couple of great restaurants. The entire area is shaded by trees; it’s ideal to dine and relax al fresco. The kiddos happily ate their donuts and chased each other around, while Kyle, Meg and I watched them while sipping coffee and snacking on fresh, soft Mexican pastries.

I’m not quite sure when P will smile for a picture again, but for now, the faces are a crackup.

I got a chocolate donut and helped P finish off this piece of pan dulce. (It’s like a soft egg bread with a hardened sugary topping.)

Liv had no trouble crushing her treats. I also bought a dozen tamales in a Ziplock bag that the girls ate with their hands. #tucsonlife

Saturday afternoon, we chilled here at the house, and later that evening, the fam came over for dinner. My Uncle E made a “No Apron” meal (a Blue Apron meal I had delivered. He doesn’t look at the recipe and creates his own thing). It was intended to be a crispy fish recipe with potatoes, but he turned it into a ridiculous Asian fish stew. My mom brought over grilled salmon, Caesar salad, and apple pie, and I had the ingredients for strawberry shortcakes.

Uncle E helped me make a strawberry syrup for the berries with 1 cup sugar, 1/2 cup water, a few springs of mint, and about a cup and a half of sliced strawberries. Summer on a plate. 

Since it was pouring, the kiddos hung out inside watching The Greatest Showman and we all chatted and enjoyed each other’s company until late. 

Sunday morning, we took it easy, had pancakes at home, and ventured out to the mall. I got in an afternoon workout, 

 and we had pasta here at home before heading to church.

This morning’s breakfast is a repeat of yesterday’s:

(2 eggs, 2 egg whites, 2 Siete tortillas, a cup of mixed berries, and Four Sigmatic decaf coffee with almond milk)

This week, I’m getting stuff ready for Summer Shape Up, putting the finishing touches on this week’s podcast episode, and writing the workouts for two Fit Guide videos I’ll be releasing this fall. We’re filming with Grant this weekend (wahoo!!) so if you have any video requests, please send them my way.

Happy Monday friends!


Looking for a workout? Try this core workout, this barre blast, or this total-body circuit. 

PS. Amazon Prime Day is today! Some of my favorite finds:

Instant Pot

MY FAVE VACCUUM (I’m yelling because it’s that good)

Fire Stick

The post Tucson life appeared first on The Fitnessista.
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