Hi, here are a few things I've learned recently that you may find helpful:
1. Refinancing - I just found out that Chase won't do any refis on condominium income properties in Florida even for existing customers with excellent payment history. Wells Fargo will only do 75% LTV so most properties don't quality. Looks like lenders just don't want to lend at today's low rates.
2. Health Insurance - the rates for our 2 person coverage went up 48.5% this year (so much for the Massachusetts model) so we had to change coverage. While "shopping" around I discovered that we were paying more to be insured as a couple than if each of us purchased coverage as individuals which we are allowed to do - same 2 people, same coverage, but married couples are penalized!
3. On-line shopping - calling gets you a better deal. When looking for a new camera I found a good price on a site and it also offered free shipping but it would take 7 to 9 days and I needed it sooner. When I called, they offered free Overnight shipping! Similar thing happed on e-bags - on Saturday the item was 20% off; the next day the discount was gone but they offered free shipping. When I called, they offered both right away. Always call!
Best wishes to all for a Happy Thanksgiving! Marilyn
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