Life Articles

Archive for the ‘mortgage’ tag

How to Make Cream of Tomato Soup – Gluten Free Tomato Soup

without comments

Many of us miss the taste of the condensed soups we often had on cold days, or just as a nice lunch. Those condensed versions nearly always contain gluten as a part of the thickening agent. Tomato Soup in particular is one that many miss.

I had an abundance of tomatoes come into my kitchen one day, so I decided to experiment and make a gluten free soup that tastes like the brand most of us remember.

I think this recipe is as close as you can get.


3 (15-oz each) cans navy beans*, drained
2 cups water
1 med onion, chopped
1 stalk celery, chopped
2 tsp instant beef bouillon granules
1/2 tsp dried basil, crushed
1 bay leaf
2 cups milk
1 jar (8-oz) pasteurized process cheese spread
minced fresh parsley for garnish, optional

Melt butter in a large saucepan over low heat. Add the onion slices to the butter. Cover the saucepan and cook over low heat for 20 minutes or until the onion is lightly browned, stirring occasionally. Add water, bouillon granules, and Worcestershire sauce stirring well. Cover and bring to a boil. Reduce heat and simmer 10 minutes. Serve hot with seasoned croutons and Parmesan cheese, if desired.

1 pkg (10-oz) frozen mixed vegetables, thawed
1 small onion, diced
2 tbsp flour
1 tsp Italian seasoning blend
1/4 tsp salt
1/8 tsp pepper
1tsp chicken-flavored bouillon granules
1 cup water
1 cup fat-free milk
1/4 cup shredded low-fat process American cheese
2 tsp Dijon mustard

Once the white sauce is incorporated into your tomato blend, keep it simmering. Allow it to thicken until it reaches your desired consistency. Adjust the level of sugar or salt to your own taste, and serve.

This gluten free tomato soup freezes well, and can be used in individual portions for lunches. It will hold in the freezer for at least six weeks. The quick and easy version of this soup recipe is available below

Resource Box Allen Austrot
Home Purchase, Home Refinance, Equity Line
Real Estate Agents and Mortgage Brokers listed by state
International real estate listings for sale

VN:F [1.9.22_1171]
Rating: 0.0/10 (0 votes cast)

Written by admin

November 3rd, 2010 at 5:03 am

Racquetball – How to Choose a Racquetball Racquet

without comments

Selecting the racquetball racquet that is right for you can be tricky. If you have been playing a while you may already know if you’re a HEAD guy/gal, or an Ektelon guy/gal etc.

If you are looking to get your first serious racquet, or even your first racquet period, answering some simple questions can help you in your quest for the perfect racquet.

So I decided that was what I needed to do to help my health issue and get out of the house.  So I signed up for a membership at a local club and started playing about twice a week.  Just prior to that I had started playing tennis again (before I thought of racquetball) and was enjoying that.  But to be honest, it’s not nearly as intense.

After an hour of racquetball you burn around 600 calories which means you’ve got a great start to losing weight right there.  I would play for about an hour and a half twice a week.  Then once in awhile, I’d throw in another day maybe in the evening or afternoon.

The right overgrip is another one of those racquet accessories that are crucial to your performance. Grip surfaces decide how the player feels when the ball hits the racquet. For players who depend on the feeling of the bevels when they switch from a backhand grip to a forehand grip, the smooth style is recommended. Perforated and ribbed overgrips are also quite good though professional players prefer to use smooth overgrips, the no nonsense types without any bumps, ridges or treads. However, if your hands sweat copiously, you might want to consider perforated overgrips as they absorb sweat easily.

There are a number of other racquet accessories that may seem somewhat extraneous, but can add greatly to your performance. For example, a good pair of racquetball gloves can improve your grip and protect your hands from injury. However, you must exercise great discretion while selecting gloves. The most popular material for gloves includes leather, sheepskin and goatskin. Synthetic leather is also used. The trick is to go for a material that feels good and comfortable on the hands. Keep in mind that you need good ventilation so that your hands do not get slippery with sweat. Gloves should not be wrinkled when you wear it as these are likely to get loose with time. Choose a snug fit. Tacky outer surfaces on the palm allow greater control.


As long as you don’t smash your racquet against a wall after you skip a shot, durability should not really be an issue with today’s modern racquet technologies. Most new racquets come with a one year manufacturer’s warranty just in case

Resource Box Allen Austrot
Best Low Home Mortgage Refinance Interest Rate
Mortgage and Refinance Mortgage Loan from
Disfruta de los mejores juegos gratis en flash

VN:F [1.9.22_1171]
Rating: 0.0/10 (0 votes cast)

Written by admin

October 31st, 2010 at 5:04 pm

Remortgaging Your Property

without comments

Defining ‘remortgage’ is simple. A mortgage is a sum of money loaned to somebody in order to purchase property. A remortgage is the process of assigning a new lender to pay off the old lender and take over control of your mortgage. Read the rest of this entry »

VN:F [1.9.22_1171]
Rating: 0.0/10 (0 votes cast)

Written by admin

September 1st, 2010 at 10:11 am

Refinancing Mortgage Rates Gain knowledge of Why Do Individuals Do It?

without comments

People refinance their mortgage for plenty of causes, and often the first step is to seek out out the refinancing mortgage rates. Whereas some do it in response to their debt problems, there are also those who do it in hopes of improving their credit score rating. It is highly vital that you simply think about various elements and causes previous to refinancing your mortgage. Read the rest of this entry »

VN:F [1.9.22_1171]
Rating: 0.0/10 (0 votes cast)

Written by admin

August 27th, 2010 at 5:26 am

Posted in Uncategorized

Tagged with , , ,

Many Ways to Get Relief from Under Water

without comments

There are seven ways to alter the terms of your home mortgage. Learn the details and trade-offs of each to educate yourself and decide which one is right for you.


Refinance What is it? In a 30 year fixed rate mortgage refinance, homeowners essentially take out a new mortgage that replaces their current one. It is a lot like selling your home to yourself. The value of your property is assessed, just as it would be if it was going to be placed on the market, and you renegotiates the terms of a new mortgage based on the interest rates of the day.


When Does It Work? When housing prices are high and interest rates are low, which explains why refinancing was so popular from 2002 to 2007.

Why Does It Not Work? When housing prices have fallen to the point where homeowners no longer have any equity in the property. This is why the mortgage refinancing industry, so busy and active 2 years ago, is practically unheard of today.

When done at the correct time, refinancing can help homeowners put cash in their pocket (if the value of their home increased since they took out their last mortgage), and lower monthly payments (if interest rates are low, or their credit rating has increased, since they took out their last mortgage).

Cons: Fees, fees and more fees. Because you’re basically selling your home to yourself, all of the assessment fees, escrow fees and handling fees you paid when you first bought your property still apply.


Repayment Plans What Is It? Mortgage repayment plans are a great solution to temporary hardship on the part of a homeowner. This solution involves the lender temporarily modifying the terms of a mortgage so that the homeowner can enjoy lower payments in the short-term at the expense of higher payments or longer time periods in the future. It is essentially a case where the lender bets that you, the homeowner, are a good investment; that you are likely to overcome your temporary setback and fulfill your mortgage.


When Does It Work? If a homeowner has a great relationship with a lender, and if the lender itself is on a sound financial footing, repayment plans are the best option for everyone involved. They are revenue neutral for lenders, and homeowners are generally happy to endure stricter long-term conditions in exchange for temporarily relief when they need it most.

When Does It Not Work? When lenders are receiving billions of dollars in government bail-outs because they are not financially sound, or when high unemployment makes it unlikely that a homeowner’s hardship will be temporary.

Pros: Least costly option for both the lender and the homeowner.

Cons: Too conditional. The national unemployment rate at its highest point in years and the nationwide financial crisis simply makes it too difficult for mortgage lenders and homeowners to credibly negotiate a repayment plan.


Forbearance What Is It? Forbearance is a temporary suspension of monthly mortgage payments. It is generally used for temporary hardships that are foreseen in advance by homeowners and lenders. Setbacks such as death, divorce, unemployment or illness are widely accepted as temporary hardships by lenders.


When Does It Work? Similar to repayment plans, the forbearance solution is only possible when lenders are financially stable and when are confident that a homeowner’s hardship is temporary.

When Does It Not Work? Again, similar to repayment plans, forbearance agreements are unlikely to be negotiated when lenders themselves are in financial difficulty, and when homeowners are facing a challenging labor market.

Pros: Homeowners do not have to make any mortgage payments for several months, and lenders get to roll the suspended payments into the rest of the mortgage principal and earn higher returns in the future.

Cons: In exchange for a temporary respite, homeowners must pay back a larger sum then their initial mortgage stipulated.


Deed In Lieu Is It?When a homeowner turns over their property to their lender in exchange for (“in lieu of”) aborting their mortgage obligations. This is not the same as “walking away from a mortgage”, which is actually foreclosure. With Deed In Lieu, the lender must agree to take possession of your property in exchange for relieving you of all future mortgage payments.


When Does It Work?When the value of a homeowners property is still relatively high, i.e. less than 5% below the value of an owner’s mortgage. Before the housing crisis in America hit full swing, Deeds In Lieu were great ways for banks and owners to avoid the high costs and staining legacy of foreclosure.

When Does It Not Work? When housing prices have plummeted to the point where lenders no longer wish to take over ownership of a property in exchange for relieving a mortgage obligation. In today’s market, lenders will lose too much money if they agreed to Deeds In Lieu so the incentive for negotiation just isn’t there.

Pros: It achieves all of the benefits of foreclosure for both owners and lenders without the downsides: High costs for lenders, a giant “F” on a credit report for owners.

Cons: Owners do not get to stay in their homes, and lenders must now find a way to sell the property they just received the deed to.


Short Sales What Is It? When a owner sells a property for less than the value of the mortgage and turns all of the proceeds from this sale over to the lender. The lender agrees to this sale because the entire mortgage will paid off quickly. The lender is losing money by not enjoying years of interest payments, but short sales can occasionally be the “least bad option” available for both parties involved.


loan modification Does It Work? When a short sale is likely to provide the lender with a sufficient return over the short-term for it to allow the owner to proceed with the sale.

When Does It Not Work? When housing prices have fallen to the point where properties cannot be sold, or if the money likely to be earned from a sale is sufficient for the lender to agree to it.

Pros: Slightly cheaper than foreclosure, but still incredibly expensive. Owners do achieve a timely, albeit brutal, relief from their mortgage obligations.

Cons: Owners do not get to remain in their homes, and the process generally results in a tremendous loss of money for both owners and lenders.


Foreclosure What Is It? When a owner announces to a lender that he or she is no longer able to meet the terms of a mortgage, or when a lender declares that a mortgage is in default and it is taking control of a property. The lender then becomes the owner of the property and must find some way to sell it and make a profit in the future.


When Does It Work? Foreclosure is always an option, although it is never a good one. It is the final solution available for lenders and owners. No one likes it, everyone is hurt by it, but it does remove the mortgage obligation for the owner.

When Does It Not Work? Never. Foreclosure is always an option.

Pros: Difficult though it may be, foreclosure does terminate a mortgage and provide relief to the owner, at the cost of a seven-year stain on the owner’s credit rating (the big “F”).

Cons: Foreclosures take between 150 and 390 days to complete depending on the state a property is located, and costs lenders an average of $50,000 per property to complete. That cost is endured even before the lender is able to resell the property, which could result in even greater losses given the scope of the national housing crisis. As for homeowners, those who allow foreclose are financially ruined and removed from their home.


Loan Modification What Is It?A negotiation between a mortgage lender and a home owner to change one or more of a mortgage’s five very important terms.


When Does It Work?Very nearly all the time, although the chances of success is higher or lower depending on the situation. Adjustable-rate mortgages at high interest rates are automatically accepted for modification. Fixed rate mortgages at low interest rates are rarely accepted, but there’s always a chance for success.

loan modification Does It Not Work? The leading cause of rejected modification applications is homeowners failing to understand and navigate the system correctly. In the hands of a professional team like Able Financial Solutions, owners can achieve the strongest possible bargaining position for the loan modification negotiation, increasing the likelihood of success.

Pros: Cheaper than foreclosure or short-sales for lenders, which increases the chance that lenders will negotiate in good faith. If successful, owners are able to stay in their homes, achieve financial relief and endure a less painful impact on their credit-rating.

Cons: Because owners must personally negotiate with lenders, loan modification can be a scary, nerve-wracking process. But with a team like Able Financial Solutions, owners can develop a calculated strategy for success and can negotiate with confidence that the best interest of both them and the lender.



VN:F [1.9.22_1171]
Rating: 0.0/10 (0 votes cast)

Written by admin

July 25th, 2010 at 3:33 am

Information on Home Loans

without comments

Two decades ago, lots of people took fixed interest rate mortgage loans to try to guard themselves against higher bank rates. Nonetheless, interest rates fell, occasionally quite sharply, and therefore fixed interest rate consumers were often paying much more in comparison with people with adjustable rate mortgage loans.

But, these borrowers couldn’t get out because they were held in by huge costs generally known as early redemption premiums. Read the rest of this entry »

VN:F [1.9.22_1171]
Rating: 0.0/10 (0 votes cast)

Written by admin

May 12th, 2010 at 12:59 pm