Here are some things to ask yourself. Answering these things thoughtfully and honestly will help you know if you are in love.
The first question to ask yourself, if you're thinking, "How do I know if I am in love?" is "Would I have the strength to let him or her go if I knew it was the best thing for my partner?" In other words, if you were to find yourself embarking on a career that would take you to a place where your partner has expressed she'd be miserable, would you be strong enough to end the relationship, knowing that if you didn't she'd try to tag along and try to be happy? Such a circumstance might be your army career transfer to Anchorage, when your partner suffers from SADD. You can't do much about your army career. If you would be willing to tell her you can't see her anymore so that she'd find someone who would join her in a hot sunny climate, then you may well be in love.
Another question to ask yourself, if you're wondering, "How do I know if I am in love?" is "Would I be willing to wait for her or him if she says she is not ready to have sex with me yet?" If your answer is "Heck no, I need my sex life," then it's not love.
Another question that would be very important in your determination of whether you are in love is "Would I stop feeling the same way about this handsome man if he got fat or bald?" or "Would I still want to be with this voluptuous, beautiful woman if she gained fifty pounds and turned gray?" The fact is that those things have a better than even chance of occurring in a long term relationship. If you're not able to say, and convinced yourself that it's true, that no matter what she or he looks like on the outside, you'll still love what he or she is on the inside, then you're not in love, and in certainly doesn't bode well for your future together.
If you're thinking "How do I know if I am in love?" ask yourself what dreams of yours, if any, you'd be willing to give up, or set aside temporarily to help your partner fulfill hers or his? If the answer is none, not only aren't you in love, but you might want to wonder about your standing as a member of the human race. Love is about compromise, and, in fact, sometimes it's about being happier making your partner's wishes come true and seeing her or his happiness than seeing your own dreams fulfilled.
Millions of people are taking advantage of the current opportunity to refinance the mortgage on their homes. Rising home prices combined with falling interest rates have motivated people to convert their accumulated home equity into expendable funds. This frequently works to their immediate advantage, giving them a considerably lower interest rate and lower monthly mortgage payments.
Homeowners can choose either to spend or save the portion of their incomes that are no longer being spent on mortgage payments.
When Should You Refinance?
In some cases, when refinancing, it helps to borrow more than is needed to pay off the earlier mortgage. This gives you the equity from your home, plus extra funds to cover the transaction costs of refinancing. People use the funds for a variety of purposes: to make home improvements, to repay older debts, or to buy goods, services or assets they couldn't otherwise afford.
How much can you save by refinancing? This depends on several factors relating to your present mortgage situation. If your new interest rate is low, it can result in substantial savings, perhaps even thousands of dollars. And when rates rise, having refinanced from a variable rate loan to a conventional loan, you can stand to gain substantially.
Some Benefits Of Refinancing
Refinance a home mortgage is a big decision and should be approached with careful consideration of the potential costs and benefits. Clearly, when interest rates on mortgages fall below the rate on your existing loan, it's time to consider refinancing. This is the time to evaluate your potential after-tax savings from lower monthly payments, and compare it with the after-tax expenses of refinancing. These expenses include mortgage fees or points, application fees and appraisal fees. As the loan is repaid, the savings from your lower interest payments begin to accumulate. The savings due to refinancing must be discounted at the present rate and compared with the transaction or closing costs.
If you're considering refinancing your home, you need to evaluate your current interest rate. If your new interest rate would be more than 5/8% lower than your current interest rate, it is well worth refinancing. But if you want to keep your closing costs as low as possible, see that your new interest rate is at least 1% lower.
Why Refinance?
Most people who refinance do so to save money, but there are other reasons to do so. If you refinance your existing loan at a lower rate of interest, you can end up with a lower monthly mortgage payment. This can save you funds in the long run.
Debt Consolidation
In many cases, you can clear all your outstanding debts and replace them with just one low-cost monthly outlay. Refinancing your home to consolidate your debts (such as a credit card balance or a student loan) can save you money in the short run and the long run, because you'll be paying on a low-interest loan rather than a high-interest one.
Tax Advantages
If you have lower interest rates, it means smaller interest deductions on Schedule A. You are allowed to deduct interest on a debt of up to $1 million incurred to buy your primary residence and one more home. Also deductible is the interest on up to $100,000 of home equity loans for these two residences. If you refinance a mortgage, the interest on this loan is deductible to the limit of old mortgage plus $100,000.
The interest charges you pay up-front, or points, are really interest that's pre-paid and must therefore be deducted proportionately during the tenure unless you have purchased or improved your existing principal property.
If you have bought investment real estate or a vacation home, you can deduct points proportionately over the loan term. If you have refinanced a mortgage on which you already had been reducing points proportionately, you could be eligible for a tax bonus. Now you can subtract any part of the points for the mortgage already paid off that you had not yet deducted since the year of refinancing.
The precise moment to refinance a home is complicated to figure out. However, it is undeniable that such a moment will arrive, probably several times over the course of a 30 year mortgage. Just be prepared to act when the time comes.
Both Jane Saeman & Ron King are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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