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Home » Author Adam Ciboch Page

Author: Adam Ciboch

Published articles: 15

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Six Ways to Lower Your Monthly Homeowner Insurance Payments

June 7, 2011 | Posted in Finance

If you’re looking to reduce monthly costs, lowering your homeowner insurance policy is a good place to start. The first thing you will need to do is shop around. This takes time, but time is often free while insurance policies are not. It could also save you a great amount of money, if you just take a little time to do some research. Ask friends, check a phone book and call up the insurance companies yourself. Keep tabs on the prices you’re quoted at each company. You may be able to negotiate a lower price with one based off the quoted price of another.

Everything You Need to Know About Interest Only Loans

June 6, 2011 | Posted in Mortgage

There are a lot of great houses on the market right now whose prices are lower than they otherwise would be due to the current state of our economy. If you’re in the market for a new house, now is a great time to buy. If you want to buy a house that’s currently slightly out of your price range as well, you might consider looking into an interest only home mortgage loan.

5 Things You Need to Take Into Consideration Before Choosing to Refinance

June 6, 2011 | Posted in Mortgage

You probably realize the market is bound to fluctuate while your monthly mortgage payment will not, if you purchased your home with a fixed-rate mortgage. You’ve made a good deal if the market’s interest rate increases. You have some things to consider in terms of whether you should refinance in order to lock in the lower rate, however, if the market rate decreases.

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Your Health and Safety is Improved by Improving Indoor Air Quality

June 6, 2011 | Posted in Home and Family

The air’s worsening condition is no big mystery nowadays, especially in cities with larger densities of people and vehicles. When people start talking about pollution and overpopulation, it follows that they’ll eventually get to the topic of the ozone layer. Your own personal life may not initially seem to be directly affected and applicable to such discussions. The air quality outdoors is only a secondary concern for most homeowners, though.

How Water Heating in Your Home Can Lead to Energy Efficiency

June 4, 2011 | Posted in Finance

Your home can be made more environmentally friendly in many different ways. To reduce the amount of air conditioning they need to use on hot, sunny days, some people purchase tinted windows. Only purchasing recycled household items like glass and paper products is another option. To take advantage of the free energy available to them, others still consider installing solar panels on their home’s roof.

Cover It Up: Why It’s Important to Protect Your Car With Car Seat Covers

June 4, 2011 | Posted in Vehicles

People who buy cars of any sort are usually concerned about how to maintain their appearance after they get it out on the road. There are a lot of hazards that come just simply from driving and parking your car outside on a regular basis. It makes sense, then, that most peoples’ concerns are about keeping the exterior of their car looking shiny and new. There’s another element that needs to be considered, however.

Useful Information About Ice Hockey Goalie Equipment

June 3, 2011 | Posted in Recreation and Sports

One may wonder why ice hockey is considered among most exciting games in the world. This is mostly because of players who move rapidly and hit the puck or cork at high speeds. Goal keepers have to protect themselves not only from the puck which is directed towards them, but from other players as well. If they are not suitably protected, they can be hit by either of them pretty badly. In order to protect their bodies from injury, they ought to purchase good quality ice hockey goalie equipment.

3 Simple Ways to Help You Save For a Down Payment on a Home

June 3, 2011 | Posted in Mortgage

For once, one thing remains whether you’re considering purchasing your first home or you’ve owned homes for years. You might feel it’s an overwhelming idea to save up for a down payment. The overwhelming feelings might feel even more so in this current down economy when job prospects are also relatively unstable. You can achieve your goals in many simple ways, in fact, if only you’re committed to becoming more aware of your finances. Try these three simple tips on for size.