Homeowners Are In For A Big Surprise

lt-article() – There has never been a better time to refinance your home. That’s because of a little-known government lending program called the Home Affordable Refinance Plan (HARP). This allows Americans to refinance their homes at shockingly low rates, and reduce their payments by an average of $4,100 a year.

But here’s the catch – like most government programs, this is likely temporary. Currently the program is set to expire on December 31, 2015. But the good news is, once you’re in, you’re in. If the thought of a lower payment or fewer years on your mortgage sounds appealing, the time to act is right now.

It’s like a true middle-class stimulus package

This is unknown to many, but the Home Affordable Program is for the middle class. If your mortgage is $625,500 or less (unless you live in a high-cost area then the loan limits may be higher), you most likely qualify. Basically, the Government wants banks to cut your rates, which puts more money in your pocket (which is good for the economy). However, the banks aren’t too happy about this – here’s why:

  1. You can shop several lenders, not just your current mortgage holder
  2. Your home’s Loan-to-value (LTV) can be 80% to 125%

You think banks like the above? Rest assured, they do not. They’d rather keep you at the higher rate you financed at years ago. That’s why the pressure is on time-wise. The Middle Class seems to miss out on everything (did you ride the last stock bubble? Probably not). Thus, it’s almost a no-brainer to jump on this now. You need to act fast in order to refinance your house at these current low refinance rates. You can greatly benefit:

  • The average monthly savings for most eligible Americans is $250. Can you use an extra $250 a month?
  • Many homeowners not only save every month, but depending on their current rates, they can also shorten their term.
  • Deferred payments – typically, one or two payments are skipped / deferred as well.

This is why it’s a no-brainer – you will likely lower your payment, possibly shorten your term, AND can also get cash. This is how powerful that little word called “interest” is. The middle class never sees “breaks” like this. So this is your chance to get “in”.

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But how do you find these rates?

Here’s the answer – there are a few free websites out there that will compare mortgage rates for consumers, and allow them to choose the best one (that’s a great thing about the internet – it allows you to do business with lending institutions all over the country).

RateMarketplace, one of the country’s largest and most respected mortgage refinance comparison shopping websites, is one of the few companies with HARP lenders on its network, and is currently assisting homeowners like you to obtain further information regarding superb mortgage rates.

With RateMarketplace there’s no obligation and their service is fast & easy. It takes about five minutes, and the service is 100% free. You have nothing to lose except money stress.

But you do have to act before rates rise.

This is an advertisement sponsored by RateMarketplace
References: http://www.freddiemac.com/finance/pdf/RefiReport2013Q3.pdf

When It Comes to a Natural Sleep Aid, Consumers Have Spoken…

article-sleeping-aid(Boston) — It started with a question: “You Used to Sleep Like a Baby… What Happened?”

Well, it seems the makers of Somnapure struck a nerve with sleep-deprived Americans. So much so, that this powerful formula has become America’s #1 best-selling natural sleep SKU in a matter of six short months.

According to recently published industry research, Somnapure (30 count) was the sales leader among non-pharmaceutical sleep aids in all retail outlets for the 24 weeks ending in mid-October 2014.

“It’s rare when a product races straight to the top,” says a company spokesperson, “based mostly on word of mouth and media. Our success is due to how well Somnapure helps you get to sleep quickly, stay asleep, and wake up alert and clear-headed. When consumers need help, they turn to Somnapure. The numbers speak for themselves.”

No wonder Somnapure has generated an unprecedented level of buzz in retailers like Walmart, Walgreens, CVS, and GNC.

Making Retail History

Somnapure’s success has taken everyone by surprise. “We were told that Somnapure wouldn’t be able to compete against well known, well advertised brands,” explains the company’s Director of R&D. “But we didn’t listen to experts; we listened to consumers who said they wanted something more than a simple herbal concoction from the 1970s.”

The Somnapure Story

It comes as no surprise that Somnapure is the brainchild of Harvard– and MIT-trained researchers who have the knowledge and skill to make what some are calling ‘the ultimate’ sleep aid.

Quite simply, Somnapure is a better way to fall asleep quickly and stay asleep– with 7 time-tested ingredients that each offer unique benefits, ranging from improving sleep efficiency to increasing the alpha brain waves known to promote relaxation. With Somnapure you can drift gently to sleep, as slumber-disturbing agitation seems to fade. Plus, Somnapure helps to regulate and enhance your circadian cycle so you stay asleep longer and spend more time in R.E.M. sleep – the kind of sleep scientists tell us we need — allowing you to wake up ready to take on the day.

What Can Somnapure Do For Millions of Exhausted Americans?

It can help you…

  • Fall Asleep Faster
  • Stay Asleep Longer without Interruption
  • Wake Up Feeling Refreshed and Rejuvenated

One Formula Has Americans Sleeping Better

Somnapure contains natural ingredients, is safe for daily use, and is NOT habit forming. In the morning you feel refreshed and energized… not foggy and confused.

Free samples of Somnapure are available so you can finally experience a good night’s sleep. Claim yours now and see why Somnapure is the #1 best-selling natural sleep aid SKU in America.

PS: This is a limited offer so hurry to get your free sample.

This article sponsored by Somnapure

The Secret to Saving $1000’s a Year

article-rollLet’s face it – we could all use more money.

But short of getting a big raise (fat chance), switching jobs, or winning the lottery, “more money” isn’t in the cards for most people. At least that’s the perception. Because truthfully, there are ways you can add more money – a lot more money – to your bottom line.

If you want to increase your spendable money by $1,000’s of dollars (yes, that’s thousands), there are a few really simple ways to do it, which we’ll go over in this article.

#1 – Little Known Way to Pay Off Mortgage

Here’s the deal with mortgage refinancing – right now, rates are at a historic low. Add in the government’s own Home Affordable Refinance Plan (HARP), and you have a situation where you can save on average $3,000 a year simply by refinancing at a lower rate.

And not only will you save money, if you wish, you can likely end up paying off your mortgage sooner. Plus, maybe even skip a payment or two at the onset of your new loan.

Lower payments every month, more money in your pocket right now and perhaps even a shorter term – that’s a win / win / win for you. That’s how powerful interest rates and the HARP program are. And the best news? Most Americans qualify.

To see if you qualify, simply take 5 minutes and fill out this fast online form.

#2 – Pay Less for Auto Insurance

No brainer here – you’re probably paying too much for automobile insurance. And guess what? Your insurance company wants to keep it that way.

But the truth is, most Americans pay far more than they should. Many insurance companies will give you a better rate based on your driving history, how many miles you drive to work, and more. If you didn’t compare companies when you got your current policy, you are almost certainly paying too much.

So how can you find out who will offer you better rates? Simple – you visit an independent, unbiased service that compares insurance company’s rates based on the criteria you enter. Insurance.Comparisons.org is such a site – it takes mere minutes to fill out their simple form, and you’ll likely be quite surprised at how much you can save.

There you have it – two different ways you can save (or earn more), which can amount to $1,000’s of dollars a year.

Start Here:

This article sponsored by Lifestyle Journal

Act Now To Refinance Your Home Before Rates Rise

lt-article() – There has never been a better time to refinance your home. That’s because of a little-known government program called the Home Affordable Refinance Plan (HARP). This allows Americans to refinance their homes and reduce their payments by an average of $3,000 a year.

If you take advantage of HARP or simply refinance and you can still afford the old higher payment, then you have found a smart way to pay off your mortgage faster. If you take the excess you now have from your lower payment and apply it all to the mortgage principal you could shorten your loan term and save tons of money in interest over the life of the loan.

But here’s the catch – like most government programs, this is temporary. Currently the program is set to expire on December 31, 2015. But the good news is, once you’re in, you’re in. If the thought of a lower payment or fewer years on your mortgage sounds appealing, the time to act is right now.

This often overlooked method to lower your payment and continue to make the higher payment by directing the excess to the principal is a great way for you to pay off your mortgage in a shorter period of time, all the while saving more money in interest over the life of the loan.

It’s like a true middle-class stimulus package

This is unknown to many, but the Home Affordable Program is available right now. If your mortgage (HECM) is $625,500 or less (unless you live in a high-cost area then the loan limits may be higher), you most likely qualify. Basically, the Government wants banks to cut your rates, which puts more money in your pocket (which is good for the economy). However, the banks aren’t too happy about this – here’s why:

  1. You can shop several lenders, not just your current mortgage holder
  2. Your home’s Loan-to-value (LTV) can be 80% to 125%

You think banks like the above? Rest assured, they do not. They’d rather keep you at the higher rate you financed at years ago. That’s why the pressure is on time-wise. The Middle Class seems to miss out on everything (did you ride the last stock bubble? Probably not). Thus, it’s almost a no-brainer to jump on this now. You need to act fast in order to refinance your house at these current low refinance rates. You can greatly benefit:

  • The average monthly savings for most eligible Americans is $250. Can you use an extra $250 a month?
  • Many homeowners not only save every month, but depending on their current rates, they can also shorten their term.

This is why it’s a no-brainer – you will likely lower your payment, possibly shorten your term, AND can also get cash. This is how powerful that little word called “interest” is. The middle class never sees “breaks” like this. So this is your chance to get “in”.

But how do you find these rates?

Here’s the answer – there are a few free websites out there that will compare mortgage rates for consumers, and allow them to choose the best one (that’s a great thing about the internet – it allows you to do business with lending institutions all over the country).

RateMarketplace, one of the country’s largest and most respected mortgage refinance comparison shopping websites, is one of the few companies with HARP lenders on its network, and is currently assisting homeowners like you to obtain further information regarding superb mortgage rates.

With RateMarketplace there’s no obligation and their service is fast & easy. It takes about five minutes, and the service is 100% free. You have nothing to lose except money stress.

But you do have to act before rates rise.

This is an advertisement sponsored by RateMarketplace

New Study Reveals 90% of Auto Accidents are avoidable with Anti-Collision Technology (ACT)

safedrive-article2Yet accident prevention experts say “It’s not that simple. You need the right Anti-Collision Technology”

A recent study by the National Highway Traffic Safety Administration (NHTSA) confirms what we always thought – having Anti Collision Technology in your car saves lives by preventing accidents.

But this does not apply to all types of anti-collision technology.

“This is one of the most common misconceptions.” says Rona Aharonson, CEO of Safe Drive Systems. “The idea that you can buy ‘any’ anti-collision system and expect it to keep you safe is simply untrue.”

Why is this?

Because not all anti-collision systems are created equal. Most lack adequate distance on their alerts, and fail to scan around the entire vehicle. But most important, many ACT’s will actually distract you, because they require you to look away from the road. And distracted driving is responsible for 80% of all crashes.

This is why Safe Drive Systems has developed Anti-Collision Technology that virtually addresses every flaw found in others.

  • Scan for danger up to 460 feet? Check!
  • Scan 20x per second? Check!
  • 360 degree scans? Check!
  • Intuitive alarms that naturally alert you? Check!
  • Anti-lane drift technology? Check!
  • Professional Installation by a local dealer and training in use? Check!
  • Extremely affordable (with insurance discounts too!) Check!

When drivers were asked what they wanted in an ACT, they listed 3 things—unprecedented safety, ease of use, and affordability. Safe Drive Systems provides you with all 3.

Add in generous insurance discounts (insurance companies love Safe Drive Systems), and the life-saving benefits for both adult and teenage drivers, and you have a real winner.

Be First in Line for Safe Drive Systems

Safe Drive Systems is available from local installers along most of the eastern seaboard of the US, with a growing waiting list developing nationwide. To find out when Safe Drive Systems will be available in your neighborhood (and also see how much of a discount your insurance company will give you) simply take 30 seconds to fill out this form.

This article sponsored by SafeDrive Systems

Getting Rich… One Penny (Stock) At A Time

articleWe always hear that a penny doesn’t buy much these days, but that’s really not true. For example, did you know that you can buy stocks for a penny, and can also make a lot of money doing so?

Yes, that’s right – Penny Stocks can make you rich.

Penny stocks are stocks that typically sell for under a dollar a share, and many of them indeed cost just a penny (or less) per share. This makes them especially attractive, because almost anyone can participate. Think about it – how many shares of Google stock can you afford today? Probably not too many. But you can buy thousands of shares of a Penny Stock with just a few dollars.

There are four great reasons to love penny stocks:

  1. Price – As stated above, Penny Stocks don’t cost much. In many cases, they cost less than a penny a share. To give you an example, you may be able to buy thousands of shares for $25.
  2. Profit Potential – Just a tiny move in penny stocks can mean a large return. If a penny stock goes from 1 cent to 3 cents, you tripled your money. Try tripling your money with Google – it’ll take a decade (or three). Now imagine if you bought 10,000 shares of a penny stock at half a cent a share (which would cost you $50), and it goes to a dollar next week… This really happens.
  3. Legitimacy – Penny stocks are “real” stocks. They are fully SEC-regulated, and sold OTC (over the counter). And yes, you can buy them through almost any regular broker account (like E-trade, Schwab, etc… do you already have one of these? Then you can buy Penny Stocks.)
  4. Exciting Companies – Most companies who offer Penny Stocks are young, motivated companies. They represent an electrifying income opportunity (one you don’t have to wait years for, either).

However, there is one small drawback to Penny Stocks, and that is the fact that there are so many of them. So sifting through them is difficult. Couple this with the fact that many of these companies are young, without a long track record. This makes researching them a real chore that will challenge even a seasoned investor.

There is a salvation, however. There are websites out there who specialize in finding and researching penny stock companies, and then make recommendations on likely winners. One such company is StockTips.com. They make penny stock picks, and e-mail them to their subscribers. It’s free to join, as well.

You can also do your own research, of course. If you decide to do such, make sure you carve out a few hours to do thorough research… and be creative as well. Research new filings, and spend time on discussion forums where people are talking about young companies. When you find a company you like, learn everything you can about the company and its products (and if you really want to dig deep, order some of the products and see how well they’re made).

However you decide to go about it – your own research or joining the free mailing list of a company like StockTips.com, Penny Stocks are a legitimate, exciting investment opportunity that shouldn’t be missed.

This article sponsored by StockTips.com

Burglars Aren’t Scared of Anything — Except This

adt-article8,000 Burglaries and home invasions take place every single day. It’s just a fact of life in today’s world – there are people out there who want to steal your things, and perhaps even hurt you and your family.

Whether it’s from desperation or something more nefarious (such as a gang initiation that randomly targets your family), your home is not the castle it was in the past.

Here are some troubling points:

  • Deadbolts don’t help. They can be “bumped” (a new technique that can unlock 90% of all locks*). Or, in the case of home invasions, the invaders will just kick the door in. No deadbolt can withstand a kick-in.
  • Fido is hungry. A piece of steak (or a bullet) takes care of your dog. Sorry, but it’s true. Gang members aren’t afraid of your dog.
  • A gun won’t help either – A burglar will come when you aren’t home. And home invaders or gang members expect (and may even want) a confrontation, and are ready with their own guns.
  • Fake alarm signs are useless too – Criminals know your “electronic security” is a bogus sign. They go to Home Depot too. In fact, they know all the fake names.

However, criminals, gang members, and home invaders fear ONE thing:

And that’s getting caught. They do not want the police showing up when they are inside.

And there is only one way to ensure the bad guys know the police will show up if they mess around with your home: having a genuine monitored home security system with a name everybody knows.

Not fake signs; not something you buy in the store; but a big national name that criminals know by heart. A name that’s advertised heavily, and says “the police will come immediately if you enter”.

One of the most common national alarm companies is ADT. Companies like ADT, advertise heavily for two reasons. The first is to (obviously) get customers. But the second reason is the more they advertise, the more effective their systems are in preventing break ins and home invasions. Criminals know the name, and avoid those homes displaying the sign and stickers, because they realize the alarm system is real, and has teeth.

Thus, the lesson is simple. If you want to protect your home from criminals, go with a monitored alarm company that you already know.

This article sponsored by ADT

New Free Testosterone Booster Hits the Shelves

body_builder-250x167(Boston) – If you haven’t heard the whispers, there’s a new supplement at GNC that’s got executives interested. Out of the tens of thousands of products sold by the nutrition giant, this particular supplement, a free testosterone booster known as Test X180 Ignite, is already well on its way to becoming one of GNC’s top 10 grossing products in a matter of months. The success is borderline inexplicable so we decided to ask Force Factor’s Chief Marketing Officer his secret.

“It’s not complicated,” said the CMO. We sell a great product at a lower price than many of our competitors. Customers are smart — if you create a product that can benefit millions of Americans and it works, it’s going to sell. That’s what we’ve done here.”

Despite early success, Test X180 Ignite hasn’t been perfect. Because the product’s key ingredient is a very rare fenugreek seed extract known as Testofen, being able to keep up with the demand has been a challenge. “It’s a good problem to have, but one we struggle with everyday,” said the CMO. “Reality is, the supply is limited and keeping up with our customers isn’t easy. As we continue to work out the kinks in our supply chain, the best advice I can offer at the moment is if you see it, buy it, before you miss your opportunity. I think you’ll be impressed by the results.”

As it turns out, unlike many other free testosterone boosters, with the help of a regular strength training routine, within a short amount of time, men who had taken Test X180 Ignite reported feeling:

  • Skyrocketed Libido
  • Insane Boost in Energy
  • Enhanced Performance
  • Incredible Lean Muscle and Endurance Gains

The makers of Test X180 Ignite are so confident in their new product they are offering every man in the country an 18-day trial. If you’re interested in giving it a shot, claim your trial supply here. If you are not able to claim a bottle online, you may be able to find Test X180 Ignite at your local GNC.

TRY A SAMPLE TODAY

This article sponsored by Test X180 Ignite

You May Qualify for a Grant Worth Up to $5,730 to Return to School

edu-articleThinking about going back to school? There could be federal grant money waiting for you.

It’s true. Students by the thousands are becoming pleasantly surprised by the fact that they may be eligible for the Federal Pell Grant. This type of financial aid is ideal for adults looking to go back to school (even online schools) such as:

  • Recently laid off workers
  • Single moms
  • Those looking for a career change
  • Anyone looking to go back to school and increase their earning potential

The Federal Pell Grant is currently an annual award up to $5,730 and is usually given to undergraduate students who have not yet earned a college degree. This grant is awarded to students with financial need and best of all a Federal Pell Grant does not have to be repaid.

Why a College Degree is More Important Than Ever

With the rise of tuition prices over the years, people have debated whether or not a college degree is still worth the cost. Based on evidence provided by the U.S. Department of Labor, the answer is a resounding yes, and it’s not even close. In fact, most adults with a bachelor’s degree earn $23,764 more per year than those with only a high school diploma. That’s over a 70% increase in pay for having a bachelor’s. Furthermore, those with just a high school diploma are almost twice as likely to be unemployed than those with a bachelor’s degree.

All of this supports the fact that the value of a college degree has probably never been greater. If you also consider the financial assistance you may be eligible to receive through the Federal Pell Grant Program, the decision to go back to school should be an easy one.

The Big Question – How Do You Find the Right School, and the Grant Money Available? And What About Online Schools?

One big roadblock many adults face is simple logistics. Adults generally cannot “go away” to school, and they don’t have time to sit in a financial aid office. This is where the internet can come in very handy. Not only can returning students learn more about the financial aid they may be eligible for, they can also find schools with career-focused degrees that can be earned 100% online. That means busy adults trying to go back to school can now do it at their convenience – anytime, anywhere.

There are several services available that help adults find the right school. One popular service is CompareTopSchools.. This website is free to use and simply asks you a few questions regarding your education goals, background and preferences. Spending five minutes on a site like this will help you get matched with schools so you can speak to a student advisor and see if you qualify for grants, scholarships and loans.

This article sponsored by CompareTopSchools
Sources: (1) http://www.bls.gov/emp/ep_chart_001.htm (2) https://studentaid.ed.gov/types/grants-scholarships/pell (3) http://www.nytimes.com/2014/05/27/upshot/is-college-worth-it-clearly-new-data-say.html

New Technology Designed to Keep Drivers From Getting Into Car Accidents

safedrive-articleTechnology has been making driving much safer for decades. From seat belts to anti-lock brakes to airbags, today’s cars are safer than ever.

But one thing technology hasn’t addressed is the prevention of accidents themselves – until now. Because it appears that the technology to prevent accidents not only has been invented, but it’s become readily available as well.

Making car accidents a thing of the past

This technology uses radar, and is designed to address the leading cause of car accidents: driver inattentiveness (otherwise known as “distracted driving”). In fact, according to a study released by the National Highway Traffic Safety Administration (NHTSA) and the Virginia Tech Transportation Institute (VTTI), 80% of crashes and 65% of near-crashes involve some form of driver distraction. And the distraction typically occurred within three seconds before the vehicle crash!

The reasons for distracted driving are varied, and are universal (meaning we all fall victim to them from time to time.) These can include:

  • Driving while tired
  • Following too closely
  • Not noticing a car in your blind spot, or perhaps even a pedestrian or bicycle
  • Being distracted by children, friends, the radio, or pets
  • Eating / drinking in the car
  • Talking or texting while driving
  • Drifting out of a lane
  • Merging too quickly

We all experience some of these from time to time. And any one of them could have life-changing repercussions. Even if you survive an accident, if you injure or kill somebody else, your life will never be the same.

Radar technology addresses every one of these issues, because it warns you when you are drifting out of your lane, when you are too close to another object or car, and so on. It’s almost like a shield around your car that alerts you to anything wrong within its vicinity, and prevents most accidents by completely eliminating the dangers posed by distracted driving. You could say this new technology will “undistract” you.

Radar Safety Available in New York, New Jersey, Pennsylvania & Connecticut

This radar technology has been cropping up in high end luxury cars. But now it’s become available to everyone. Well, almost everyone – as long as you live in one of these states – New York, New Jersey, Pennsylvania & Connecticut. A company called SafeDrive Systems has released a radar system that is easily affordable by anyone, and can make distracted driving accidents a thing of the past. Once you fill out your name, email and phone number, you will get free safety information specific to your car model/make so you can see for yourself how this can help you, your children, and/or your elderly parents avoid accidents, now and forever.

To see if the radar system is available for your car model, fill out the short form on the next page.

This article sponsored by SafeDrive Systems