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Here are a few "Meisenheimerisms" that can perk up any selling day. These little gems have helped me grow my business and it's my hope they'll help you grow yours.Here they are:Note - one of the keys

r fees for processing your mortgage. Most homeowners choose mortgages without discount points. If you elect not to pay

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If you are in the market for a new mortgage, one decision you will be faced with is whether or not you should pay points at closing. There are situations where paying discount points up front can save you money over the life of your mortgage. Here is what you need to know in order to make an informed decision.

Points come in two flavors; there are discount points you pay at closing in exchange for something like a lower interest rate, and origination points which are lender fees for processing your mortgage. Most homeowners choose mortgages without discount points. If you elect not to pay

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at closing. There are situations where paying discount points up front can save you money over the life of your mortgage. Here is what you need to know in order to make an informed decision.

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nt points you pay at closing in exchange for something like a lower interest rate, and origination points which are lender fees for processing your mortgage. Most homeowners choose mortgages without discount points. If you elect not to pay

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r fees for processing your mortgage. Most homeowners choose mortgages without discount points. If you elect not to pay discount points at closing your out-of-pocket expenses will be much less; however, you could end up with a higher interest rate than if you had paid points.

Origination points are a negotiation point with your lender. If you have excellent credit you will want to negotiate as much of these fees away as possible. If you are coming to the bargaining table with poor credit, you will not have much to negotiate with; however, it never hurts to ask.

Paying discount points

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Graham Greenway, formerly the chief geologist of Namibia's Rossing Mine tells us what he likes in Africa and risks to avoid. Six tips about what risks to look for in uranium companies hoping to mine uranium in Africa.

Even if you think identity theft is only going to happen to someone else, the truth is that the average consumer is the most common victim. I reviewed LifeLock, a relatively new company on the scene with a unique approach to identity theft protection.

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