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If you have a home and a mortgage, and you are thinking about refinancing, first you must know both what you want out of your new mortgage and what your different options are, so that you can pick the refinancing plan that how to make money by blogging fits your needs. Locking into a fixed-rate mortgage can insure your payments stay the same. When a loan officer pre-qualifies you, he works backwards to figure your maximum mortgage amount and start working from there.

Well, things have been rolling along nicely. The holidays are always a fun time on GeekDad, and our 12 Days of GeekMas podcast and giveaway series was a great success. We were named the Top top blogs for moms of 2009 by PostRank, an online ranking service, and we've found our way into the Top 100 Entertainment Blogs at Technorati.

kids education There are almost no savings accounts that offer interest rates as high as the ones credit cards charge. Here's a question: if you have $10,000 in a savings account earning 5% per year and $5,000 on a credit card at an interest rate of 20% per year, how much money do you have? After just five years, the answer is effectively $0 - your debt would have grown to around $12,500, the same amount that your savings are now worth.

top entrepreneur blogs My connection is still primarily the United States, because I own a foreclosure cleanup business and real estate. But being a solid manager and pretty good foreclosure cleanup consultant (and frequent flyer!), I've made my vision of the tropics a reality. Along the way, I've found peace in my heart, unbelievable happiness in a life I know I deserve, I've restructured my most followed popular blogs (site) to suit my lifestyle -- and I look forward to waking each and every day, embracing life. The Ultimate Gauge: If I found out I had only six months to live, I wouldn't want to change one iota of the life I've structured for myself.

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Now I'm not saying by any means that banks and loans should be avoided. Even the mega rich get loans. The difference is, they can make the loans work to their advantage. The points I'm trying to bring across is that one should pay close attention to how they repay their loans.