Mail Order Concepts Magazine - Issue V-6263

 

Mail Order Concepts Magazine COVER Page
FULL PAGE ADVERTISERS
How YOU Can Advertise
In This Magazine




Home Refinancing Rates - When Is It Worth It To Refi?

When interest rates were two points below your current mortgage rate, it was considered a good rule of thumb to refinance. But with today’s low closing costs, a difference of one percent can save you money on your interest costs. Even with low fees, it only worth it to refinance when you can be sure you can recoup the mortgage costs.

Figuring Up Costs

Refinancing is simply paying off one loan and taking a new one. The same fees that you paid with the first mortgage, you will probably have to pay for the second mortgage. Usually, loan cost range between $2000 to $6000 for a $200,000 loan. You will also have to add in points for lower interest rates, adding additional thousands. The only way to recoup these costs is to keep your mortgage for several years.

Interest Rates

To make refinancing worth it financially, you need to be sure that interest rates are low enough to pay for the cost of refinancing. One simple way to figure this out is to use a mortgage interest calculator from one of the lending sites. These calculators will give you an estimated monthly payment and the total cost of the interest. By punching in different interest rates, you can see your potential savings.

Short Term

Besides interest rates, you also need to compare terms. The shorter the loan the less you will pay in interest. Ideally when you refinance, you should choose a loan with a shorter term. You can also choose a biweekly mortgage, where you pay half a mortgage payment every other week, which can reduce your loan by years.

Finding Low Cost Lenders

Not all lenders charge the same fees or interest rates, so you can save thousands by searching for lenders. You can easily go to the big name mortgage lenders and request quotes, but some smaller financing companies offer better deals. The easiest way to find them is through an online mortgage broker site. Basically, you enter some basic information about yourself and income, and then you receive several different quotes. From this list of offers, you can decide who is offering the best refi package.




 

Mail Order Concepts Magazine
FULL PAGE ADVERTISERS

._0-WANT_TO_PURCHASE_ MINERALS_&_OTHER_OIL_&_GAS _INTERESTS.pdf
0-D-WOOD.pdf
0-J-FANCY.pdf
0-JJ-GARNER.pdf
0-WANT_TO_PURCHASE_ MINERALS_&_OTHER_OIL_&_GAS _INTERESTS.pdf
00-G-MARTIN.pdf
00-J-HURLEY-2.pdf
00-R-Peterson.pdf
00-Wrightsco-com.pdf
00-d-balderstone.pdf
00-d-nicholls.pdf
00-m-bugarini.pdf
00-m-derrick.pdf
00-r-vandergrift.pdf
00-s-frescas.pdf
00-w-powell.pdf
01-AARON-BRYANY.pdf
01-D-Foley.pdf
01-DEL-PILAR.pdf
01-J-HURLEY.pdf
01-JCPatton.pdf
01-Slaton-Eison.pdf
02-Brite-Star.pdf
03-Brite-Star2.pdf
1-WANT_TO_PURCHASE_MINERALS_&_OTHER_OIL_&_GAS_INTERESTS.pdf
11-Dalton 10 2019.pdf
77-h-clay.pdf
88-BD-JOHNSON.pdf
88-D-Baker.pdf
88-J-SMITH.pdf
88-d-nicholls.pdf
88-eMclvor.pdf
88-h-clay.pdf
88-j-orlando.pdf
88-l-domerson.pdf
88-l-gaines.pdf
88-m-bugarini.pdf
88-s-frescas.pdf
99-A-Moore.pdf
99-E-Bynum (2).pdf
99-E-Bynum.pdf
99-H-Clay.pdf
99-J-SMITH.pdf
99-JC-Patton-Mail-Lists.pdf
99-Monique's Mail (2).pdf
99-Monique's Mail.pdf
99-R-Peterson.pdf
99-c-vandergrift.pdf
99-j-orlando.pdf
99-j-skuse (2).pdf
99-j-skuse.pdf
99-jj-jones.pdf
99-l-domerson.pdf
99-l-gaines.pdf
99-r-vandergrift.pdf
99-wrights.pdf
999-BROKER-BRITE-STAR-ENTERPRISES.pdf
999-Brite-Star.pdf
A-Moore.pdf
BD-JOHNSON.pdf
FRED-HINSTON.pdf
MAKE-MONEY.pdf
STS212.pdf
STS213.pdf
STS213a.pdf
STS214.pdf
WANT_TO_PURCHASE_MINERALS_AND_OTHER_OIL_&_GAS_INTERESTS.pdf
Your-2018-ADSHEET-DIRECTORY1.pdf
c-vandergrift.pdf
sam-scruggs-21.pdf

 

WANT TO PURCHASE
MINERALS AND OTHER
OIL/GAS INTERESTS.

Send details to:
P.O. Box 13557
Denver, CO 80201


Current Issue of 12/15/2019

"AMAZING NEW PROGRAM"

Pulls Orders Like Crazy! For Details Send A #10 S.A.S.E. to:
JOE BAKER
2726 WASHINGTON AVE.
BEDFORD, IN 47421

204


BUY NOW! - SAVE $$$$$
YOUR 2 -1" C/R ADS IN

O'Blenis Advertiser 10,000 Circ
Concourse West 5,000 Circ
Concourse West Advertiser
1,000 Circulation
Just $18.00(Reg $24.00)
FREE Checking Copy
$$$$$$$$$$$$$$$
EDWARD O'BLENIS
POB 524164/Stadium
Bronx,NY 10452-1291

59


WANTED POSTCARD MAILERS.
WWW.MCMFUN.COM

you can then APPLY for information packet:
MikeCarner@sbcglobal.net. IP #5D839.

202


Exciting Magazine Worth Having
SHORE TO SHORE

Reliable service, Best of the Best
Offers, Info, Ad Specials!
Will you have the next
great issue!
One year subscription only
$20 + LSASE to:
Ed O'Blenis
POB 524164/Stadium
Bronx, NY 10452

61


NEW! PAY-IT-FORWARD PROGRAM

FAST MOVING 2X2 MATRIX. $25, $50, $100, $200, $400, $,800, $1600 LEVELS OVER AND OVER AGAIN. SPILLOVER. GO TO:
http://paymeforward.com/ref/ladyrose

101




75


MAIL KING PLAN
FREE NAMES, STAMP & MONEY


136


INTERESTED IN MAKING MONEY ONLINE?

Never Talk On The Phone.
For Complete Details, Send A SASE To:
Publishers Market Source
P.O. Box 11272
Merrillville, IN 46411

123



194


CASH NOW:

FINDING & WHOLESALING HOUSES FOR FAST PROFITS.
HOW TO EARN AN INCOME FLIPPING HOUSES...
WITHOUT CASH OR CREDIT...
AFFILIATE CASH MONEY
WEBSITE INCLUDED.
GO TO:
https//:m196.infusionsoft.com/go /reiwhlsale/Terry5/

4


SAVE BIG MONEY!

On All Your Product Purchases By Using This Discount Code...
CODE: FPO1765...Use it...Every Time You Make A Purchase At This "Online Store": www.directsourceint.net

128


HATE MAIL!

The reason for Hate Mail and How To Respond.
Improve your customer service skills. Report with Reprint Rights $3.00
WRIGHT'S CO
PO BOX 1886
HORSHAM, PA 19044
http://wrightsco.com

133


OWN YOUR OWN
'INFORMATION LIBRARY'!
Be the Prime Source & Keep All The Money!!

Be the Publisher of 14 professional,
quality booklets.
Learn, then resell for Big Profits!
Your own information selling business for
under $40.
Send stamp today for
FREE information to:
Earl Nott, Jr.
8 Fifth Ave.
Newburgh, NY 12550

33


GAS & CASH EXPLOSION!
Never Pay cash for Gas Again!

Get a $25 Pre-Paid Gas Card
Just for Joining!
Receive Unlimited
$25 Gas Cards + $15 Cash!
For your masetr copies, your first $25 Gas Card and to begin receiving Unlimited Gas Cards & Cash Earnings,
Send This AD + One-time payment of $75 to the Monitor:
DAVID BOWKER
1002 -9th. Ave.
New Brighton, PA 15066
Referred By: Gerard Jeanty, ID #1180
Select 2 choices of Gas Cards:
Exxon BP Gulf Sunoco Shell Marathon CitGo

72


GET IT FREE!

This Sales Funnel Got 500 Signups in Under 3 Hours!
https://tcpros.co/yOS4r

197



168


FREE FULLER BRUSH-STANLEY CO.
Dealership, Website & Hosting.

Earn Money Working From Home.
1-410-674-0030
Join:www.FullerBrushgetstarted.com
Shop at: www.FullerDirect.com
ENTER Log in #1417663

79


GUARANTEED DISCOUNT PRICES!
Go online website
www.bettyskidswear.com
Enter code DSO6854

for Free gift with 1st purchase. Top brand-names like Gap Kids, Reebok, Addidas, Oshkosh!
Don't put it off!

147


SAVE BIG MONEY!

On All Your Product Purchases By Using This Discount Code...
CODE: FPO1765...Use it...Every Time You Make A Purchase At This "Online Store": www.directsourceint.net

128



GET 1 MILLION PEOPLE
To Send You $50 CASH In Twelve Months Or Less

New Automated Cash-System. Send 1 FC Stamp for DETAILS.
Alfonza Warren, Jr.
426 Crestwood Dr.
Summerville, SC 29483-4435

132


Bluetooth Innovations. BLE Proximity Marketing Beacons.

Where Marketing and Technology Meet! www.bluetoothinnovations.com/PD455.
203


"BUY DIRECTLY from "DIRECT SOURCE!

Visit Today! Use This Special Buyer's Discount Code And Receive a Free Gift With Your First Purchase.
FP01136
Not Ready To Buy? Use The Buyer's Discount Code And Receive Special Offers, Coupons And Promotions!
www.DirectSourcelnt.net

99



159


FREE UNLIMITED PHONE CALLING SERVICES!

No Monthly Phone Bills, No Annoying Contracts. Must Have WiFi Connection. Send Cash Or Money Order Of $10.00, Plus A Self-Addressed, Stamped Envelope To: Joseph Jacob Garner, 1349 W. 135th. ST.Sp #10, Gardena, CA 90247
90




    


images_article



images_horiz_220x90



images_horiz_468x60



images_horiz_728x90



ad_images_mini



images_square

images_vert


Mail Order Concepts Magazine

Mail Order Concepts Magazine - COPYRIGHT © - ALL RIGHTS RESERVED