The Mortgage Man Blog

Jim Pettit The Mortgage Man Akron OH

My name is Jim Pettit, better known as “The Mortgage Man,” which stems from my 30+ years helping people get the best financing for their new home purchase or mortgage refinance.

I have been in this business a long time.

In good times, and bad.

I  have basically one primary goal … home ownership with the very best financing that meets each of my client’s individual needs.

With decades of experience in executive banking and lending across the country, I have an unique perspective into all the factors that should be considered when you seek financing.

I truly understand that purchasing or refinancing a home is a major decision, and that this business is fraught with misleading information and confusing numbers.

This is the reason I strive to make certain the loan decision is made based on full understanding, with full disclosure and transparency.

Your happiness is far more valuable than a less-than-perfect mortgage. I could not sleep at night unless I knew I had done the absolute best for you, my client.

That’s why I have so many repeat clients.

And why I sleep very well.

Lets Talk

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Good Coupon Tips That Can Help Your Budget

TIP! Don’t purchase an item simply because you possess a coupon for it. If you do so, you will end up spending more than you intended because you are buying unnecessary items.

Everybody loves a bargain, and saving with coupons is no exception. After you read and apply what you learn here, compare your grocery will with a friend’s. Coupons can make a big difference and the results will shock you. Keep reading to learn useful couponing tips.

TIP! I

If you know of a store in your area that accepts competitor coupons, you should shop there so you do not have to go to multiple stores to use all your coupons. When you locate a store that allows use of competitor coupons and doubles coupons, you’ve found a store you need to reward with your business.

TIP! You should match coupons with your store ads before you go shopping. It may be that traveling to a several different stores will produce greater savings than making a single stop.

Sign up for a deal oriented forum. There are many online deal forums which regularly post coupons and promotions to save you money. Not only will they provide you with the coupons, but there are usually reviews posted on them.

TIP! If you know an item you buy is going to go on sale, consider using an online service to buy multiple coupons for the item. Find a coupon clipping site that you can buy coupons from.

Dedicate some time for coupon clipping or printing. If you really want to see some savings, put some effort and time into clipping coupons. If you’re getting serious about using coupons, make sure it works with your schedule. Devote some time each day to looking through the ads and clipping your coupons.

TIP! Some stores offer double and triple coupon rewards. Ask around to find out which local stores do this.

Some stores offer double and triple coupon rewards. If you don’t know what stores do this, talk to people. You can get information and pointers from your family members and friends, as well as colleagues, and even your neighbors.

TIP! You can purchase coupons on certain sites. You may have found a great deal that nets you free merchandise.

Try buying food in bulk. Purchase items you really need when there are coupons. You’ll essentially be buying things at discounted prices forever if you play your cards right. However, many items have a very long shelf life. If you happen to have multiple coupons for a staple, be sure to use them. You can save a ton of money after a while.

TIP! When you go shopping each week you can maximize all the coupons that you have. If you only purchase the weekly specials, you will save quite a bit of money off of your grocery bill.

You will be happy to have perused this piece, as it will keep your couponing motivation high. Use the tips offered here to help save some money the next time you go grocery shopping. The amount of money you can save with coupons is astounding.

Kingfisher expands into Romania with its Brico Dépôt format

Kingfisher expands into Romania with its Brico Dépôt format

Kingfisher plc, Europe's leading home improvement retailer, today announces that it has acquired 'Bricostore's' 15 home improvement stores in Romania from Group Bresson, a French retail company, for an undisclosed sum. The deal is planned to complete …
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Read This Article, Master The Topic Of Debt Consolidation

TIP! Check your credit report before doing anything else. You need to know what got you in your situation.

Nobody likes to deal with overwhelming debt. This is actually quite common nowadays. Read on to discover the sorts of assistance that may be available to smooth the process for you and your family.

TIP! Make sure you thoroughly investigate any potential debt consolidation firms. If you take the time to do this, you’ll realize that it’s easier to decide on a good company to work with.

Consider the long term when picking out the debt consolidation business that’ll be helping you. Clearly, you need help fast, but make sure the company provides longer-term assistance as well. They may be able to help you avoid getting back into a financial mess by offering some other financial counseling services.

TIP! Don’t borrow from just any lender. Loan sharks prey on your desperation.

Don’t be fooled by debt consolidators just because they claim to be nonprofit. It is a common misconception that this label indicates a firm is a step above the rest. If you wish to figure out if companies are good at what they do, see if you can find them on BBB’s website at www.bbb.org.

TIP! While you are working at consolidating your debts, try to understand how you ended up in this position. You wouldn’t want to wind right back up in the same situation prior to going through the debt consolidation program.

When you want to find a debt consolidation loan, attempt to find low fixed interest rates. If the rate is variable, you will never know how much the total loan will cost you until the end. A fixed rate loan will help put you in a better financial position.

TIP! Consider a loan to get rid of your debt, and then you are in a position to negotiate settlements with creditors. Often creditors will accept a lower payout than the amount owed, if you pay in cash and pay the entire amount off.

If you cannot borrow money from anywhere else, a family member or a friend may be willing to help you out. If you do this, ensure you specify the amount you will need and the timeline that you can pay it back. Most importantly, you should commit to a set time to pay back the money and don’t break this commitment. You don’t need to damage relationship with people you’re close to.

TIP! Understand that debt consolidation loans have no impact on your credit. Some reduction tactics do have an effect on it, but really this is just a loan that helps you spend less and deal with less bills overall.

Some consumers choose to consolidate debt by accepting a loan from a friend or family member. This is risky, though, since relationships can be damaged if repayment does not occur. This is a way to actually pay down debt, but it really ought to be a last resort. Only go down this road if you know how and when you can pay them back.

TIP! Debt consolidation programs can offer financial help, but make sure they are not scams. If you feel like something is simply too good to be true, you may have fallen into a scam.

Many people are struggling with their debts each day. By learning what you can about what debt consolidation is all about, you can get the help that you need. Keep these tips in mind to become debt-free.