7 Creative and Quick Dining Room Updates

With so many dining rooms being converted into part of the living room or kitchen these days, dining room design has kind of fallen by the wayside. But if you’re one of the lucky homeowners to have hung on to a formal dining space, you’ve got an opportunity to make some amazing modern updates. Here are 7 affordable ways to breathe new life into an old dining room:

#1 Perk things up with paint.
Are your dining room walls still the same color they were when you moved into your house 10 years ago? If so, there’s a good chance the color’s a little past its prime. In fact, it may also be doing an injustice to your furniture and the updates you’ve made in adjoining rooms as well. Refresh the walls with a paint shade that makes you feel comfortable and cozy. The room will reflect that feeling.

#2 Modernize the lighting.
Are outdated chandeliers and lamps gathering dust in your dining room? Consider sending them packing and installing some recessed lighting and pendants in their place. Pendant lights, in particular, come in a wide variety of styles and colors sure to add some new pizzazz to your space.

#3 Repurpose another room.
If your dining room is located in an undesirable space — a cramped corner of the house away from the kitchen, for example — pick a new place for your table and chairs. Put them in the kitchen, if you have the the space. Or, place the dining table somewhere right in your living room, where there’s easy access to the TV and stereo. You should always feel comfortable during a meal, and being confined to an area you don’t enjoy doesn’t contribute to that feeling.

#4 Add some visual appeal.
Visual appeal doesn’t stop at paint and lighting. It’s also important to consider how wall decor may increase the interest and comfort of the room. Blank walls may make it easy to zone out and focus on your meals, but your guests will surely enjoy looking at something a little more interesting. Depending on your budget and the size of your dining room, consider hanging potted plants and colorful pieces of art. Just be sure to balance wall decor with other elements in the room so your space doesn’t feel like it’s cluttered with stuff.

#5 Throw in a rug.
One of the worst sounds to hear is a chair scratching against the floor as you go to get up from the dining table. So fix the issue. Add a rug underneath the table and chairs to make things soft and cozy. Choose a rug that isn’t too thick with fibers. Otherwise, your chairs can get stuck and twisted. Of course, you’ll also want to make sure that the style and color of your rug complement the rest of the room.

#6 Use dividers.
Many newer homes combine kitchen and dining spaces. If you want to create a dedicated dining space, think about incorporating a room divider. It’s much cheaper than installing a wall — and you can add shelves, plants or a sliding door to further divide the two spaces. Plus, the flexibility of the divider allows to revert back to the bigger space any time you like.

#7 Build in.
How’s your dining room designed? Do you have a table that sits in the middle with four chairs around it? If you want to make the room more functional — and create more storage in the process — think about ditching the clunky furniture and opting instead for built-ins like bench seating, china cabinets and buffets. A professional can create custom built-ins to suit any style.

The post 7 Creative and Quick Dining Room Updates first appeared on Century 21®.

Source: century21.com

6 Essentials for an In-Home Movie Theater

While winter weather can make going outside seem less than inviting, you can entertain your family indoors with your favorite movies and shows in a home theater. With a little help, your theater setup might make the cold a little more bearable. Here are six must-haves for your home theater.

1. Theater Seating
Comfortable leather recliners with cushy armrests are a staple of any home theater. The amount of seats is reliant on the size of your space; viewers shouldn’t feel too cramped. Also, the distance you place them from your screen depends on the screen’s size. An easy way to determine seat distance is to take the horizontal length of your screen and multiply it by two to get the minimum distance. Multiply it by five to get the maximum distance. For example: A 60-inch screen would have a minimum distance of 120 inches, or ten feet, and a maximum distance of 300 inches, or 25 feet.

2. Video Projector
Installing a quality video projector can ensure that you and your viewers enjoy the best picture possible. Pay attention to the projector’s throw distance, or the distance at which it should be placed away from your screen. Also, consider how far down you should hang your projector and at what angle to tilt it. Most projectors have vertical lens shift, which allows you to adjust the projection regardless of how you mount your projector. For those that don’t, hang your projector with an extension pipe so that you can adjust the hanging distance to perfect the projected image.

3. Projector Screen and Lighting
For screen placement, pick a wall where light does not fall on it directly. You can even paint your walls a dark color to avoid glare. Mount the screen on your wall so the bottom is between two or three feet off the ground. This helps every seat in your theater achieve the perfect view. Try adding dimmable overhead lights to add an authentic cinema feeling.

4. Surround Sound
The most common speaker system for home theaters is 5.1 surround sound. This six-speaker system is comprised of five full-range speakers and one low-range speaker known as the woofer. The ideal setup for 5.1 surround sound is three speakers and the woofer toward the front of the room, with the remaining two on either side of the back end of the room. Place each speaker at least 20 inches from the wall. If six speakers seem excessive, try a simple three speaker setup with a speaker in front of your screen and two others to the left and right.

5. Sound Paneling and Acoustics
Rectangular windowless rooms generally have better acoustics than square ones, but you might not be able to remodel just for your home theater. Sound absorption panels to prevent echoes, although standard dry wall paneling is usually adequate acoustic material for home theaters. Installing carpeting may also improve the acoustics of your in-home theater and add a level of comfort for viewers.

6. Mini Fridge
Keep a small refrigerator in your home theater and stock it with refreshments that are easily accessible. After all, you won’t have to stand in line and worry about missing your movie when you’re home! You may also want to stock old movie favorites like popcorn and candy in a non-refrigerated unit in the theater. Just don’t eat too loudly during the movie.

With these home theater features, being snowed in this winter might not seem so bad!

The post 6 Essentials for an In-Home Movie Theater first appeared on Century 21®.

Source: century21.com

Is LendingTree Legit, Safe or Scams?

If you’re asking yourself whether LendingTree is legit, you have every right to do so. After all, you’re about to take on a big financial obligation (whether it is a mortgage loan or a personal loan).

Your objective is to save money, so you want to find a lender with the best mortgage rate. But if you aren’t familiar with LendingTree, how do you know if it’s legit?

There are resources available to check, such as reading LendingTree reviews, to make sure if they are trustworthy.

When you’re looking for a mortgage lender you can trust, LendingTree is the right place for you. Just enter your information and get multiple free and free mortgage rates within minutes.

What is LendingTree?

Before answering the question of “is LendingTree Legit?,” you need to have an understanding of what LendingTree is.

Launched in 1998, LendingTree has built a reputation by matching borrowers to lenders. (For more information about the company, visit its website.

Instead of filling out several applications and talk to several lenders, with LendingTree you can shop around for the best mortgage loans on one website. It’s an all-in-one platform.

It just connects you with multiple lenders all at one time so you can compare and choose the best mortgage rates.

So in case you were wondering if LendingTree is a legitimate and trustworthy company, the answer is a resounding “yes.”

LendingTree is legit.

Related: LendingTree Review: Get a Loan in 10 minutes

Five Ways You Know LendingTree is a Legit and Trustworthy Company.

1. Read LendingTree reviews by their customers to see if it’s legit.

Part of your search “is LendingTree legit” should include reading customer reviews about their experiences with the company. Performing a simple Google search for “LendingTree Reviews,” then you will find a lot sites like consumeraffairs.com or trustpilot.com.

These reviews can help you determine if LendingTree is indeed legit. These reviews can give you the inside story on everything about LendingTree from customer service to interest rates.

One thing to keep in mind, however, is that happy customers are less likely to submit a review than unhappy ones.

So read these reviews with an open mind. Indeed, it’s important to look for reviews that are based on facts rather than opinions.

For example, a review that says “I like the lenders provided by LendingTree because their rates are low” is based on facts. A review that says “their service sucks” is based on opinion.

Shop and Compare Loan Offers in Rates in Minutes

2. Check LendingTree’s Better Business Bureau (BBB) rating.

Another way to know for sure if LendingTree is legit is to check its BBB rating. The BBB assigns business ratings from A+ to F.

A search for LendingTree’s BBB rating shows that not only it is an accredited company, but also has an A+ BBB rating. A BBB rating of A+ is the highest rating you can get. So if LendingTree has an A+ rating, you know it’s legit.

One thing to keep in mind is that BBB ratings and customer reviews can differ significantly. While a company like LendingTree may have negative reviews from customers (every company does), their BBB rating might be an A+.

3. Check LendingTree’s website.

Another way to know if LendingTree is legit is to thoroughly review its website. A company may seem genuine, but there are a few things that can throw up a red flag. Things to look for to see if LendingTree is a legit are:

  • How long have they been in business. According to both its website and the BBB website, LendingTree has been in business for 23 years.
  • Does it offer customer service? If there is no contact support, no address, no phone number to reach the company, this may be a red flag that the company is not legitimate. Fortunately, LendingTree’s homepage is full with that information. So there is no need to worry on that point.
  • See if LendingTree has a policy page: A legit company will have terms of use and conditions pages such as privacy policy pages. Again LendingTree does have this information, which can lead you to conclude it is legit.

Compare mortgage rates with LendingTree

4. Talk to family and friends about their experience with LendingTree.

Just like reading consumer reviews about LendingTree, friends, family members, colleagues are a great source to determine if LendingTree is legit. Ask them if their experience was satisfactory or not.

5. Visit a local office or a main office.

If you’re still not convincing that LendingTree is legit, visit a local office or their main office. Their main office is located at 11115 Rushmore Dr., Charlotte, NC 28277.

In conclusion, LendingTree is legit. But if you want to do your own research to determine if they are legitimate and trustworthy, do the following: check LendingTree’s reviews, their BBB rating, their website, and ask colleagues and friends about their experience with the platform.

All of these should lead you to believe that LendingTree is in fact a legit company.

Get Pre-Approved for a Mortgage Today

Work with the Right Financial Advisor

You can talk to a financial advisor who can review your finances and help you save 100k (whether you need it to pay off debt, to invest, to buy a house, or plan for retirement, saving, etc). Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.

The post Is LendingTree Legit, Safe or Scams? appeared first on GrowthRapidly.

Source: growthrapidly.com

These Free TV Apps Will Let You Cut Cable but Keep Content

As cable subscription prices rise higher and higher and customer satisfaction ratings dive lower and lower, cutting the cable has never been more popular.

Sure, there are the usual big names in streaming services available for a monthly fee, but it’s possible to kick subscription fees entirely.

Luckily, there are more options than ever for replacing your traditional cable setup. Many free streaming services have stepped up to offer access to content overlooked by subscription-based services.

And you aren’t confined to squinting at your phone’s screen or gathering the family around the old iPad to watch your favorite TV series and movies — you can download apps to your Smart TV or even your Xbox or PlayStation consoles.

Of course, there are some rather shady options out there that stream pirated content. But we’ve rounded up free, legal streaming apps that provide no-strings-attached cable-cutting solutions.

12 Free TV Apps That Will Help You Cut Cable

With so many free streaming options out there, it’s easier than ever to cut the cord and save big. Whether you’re looking to keep up with the news, find a good movie for date night or entertain your kids with educational content, a streaming service exists to ensure you can do so without paying a dime.

Try these free TV apps out and see which works best for you.

1. Crackle

One of the go-to names not just in free streaming but in streaming video in general is Crackle. The cost-free service has a variety of content, ranging from classic TV shows like “Bewitched” and “Barney Miller,” as well as the newer “Snatch” series. It also has hundreds of films from major studios.

For a free streaming service, Crackle’s library is truly impressive. Crackle even has a handful of original series to its name. Best of all, Crackle works on nearly all mobile devices, streaming boxes and smart TVs.

2. Tubi TV

A division of FOX Entertainment, Tubi TV has deals with major studios like Paramount Pictures, Metro-Goldwyn-Mayer (MGM) and Lionsgate. It also features lots of foreign and independent productions.

Tubi TV’s library is updated regularly, and the service claims to add new content every week. The Tubi TV app works on more than 25 devices, including Android and iOS, Roku, Apple TV, Xbox, Samsung Smart TVs and Amazon Fire TV.

The library is solid and has started offering popular Fox TV series like “The Masked Singer” and “Gordon Ramsay’s 24 Hours to Hell and Back.”

Since the service is ad-supported, you can expect to watch a couple minutes of ads every 10 minutes or so. The experience is pretty similar to watching normal television.

3. Pluto TV

Pluto TV offers TV channels of linear content much like a cable package

There are dozens of classic TV, movie and sports channels — and even some highly curated streams of niche content.

If you’re looking for breaking news, you can choose from an assortment of major network news channels that are live streaming.

The kids (or kids at heart) can check out Nickelodeon classics like “The Fairly Odd Parents” and “Dora the Explorer.”

Pro Tip

Got a library card? You have access to even more entertainment options (besides the obvious, books). Check out these library apps for free access to movies, TV shows and more.

Or if you just want to veg out, switch over to their Binge menu for a seemingly endless stream of TV series, like “The Hills” and “Mystery Science Theater 3000.”

Pluto TV boasts a large list of supported devices including iOS and Android devices, Amazon Fire TV, Roku, Apple TVand Chromecast devices and Android TV.

Like Tubi TV, Pluto TV has advertisements similar to the ad load of normal TV.

4. NewsON

Streaming video isn’t always just about entertainment. The NewsON app provides hundreds of local and national news streams.

Both live TV and on-demand news broadcasts can be streamed from over 275 local news affiliates in 160 markets. The broadcasts are available for up to 48 hours after they air, so even if you don’t catch the news as it happens, you can catch up later.

Users can then select which news segments they want to watch from categories like sports, weather or entertainment. NewsON is compatible with iOS and Android phones and tablets, as well as Roku and Amazon Fire TV.

FROM THE SAVE MONEY FORUM
Looking for a Financial Accountability Partner
1/15/21 @ 4:16 PM
K
No spend challenge
12/14/20 @ 2:48 PM
Debi Hoyt
Saving money
12/7/20 @ 1:17 AM
r
See more in Save Money or ask a money question

5. Funny Or Die

The go-to streaming app for comedy programming is Funny or Die. Founded in 2007 by contemporary comedy giants Will Ferrell and Adam McKay, it has since grown to be a full-blown production house featuring original content from big names in show business.

Pro Tip

In 2018, the Funny Or Die began publishing on Vox Media’s Chorus and now uses the YouTube Player.

Content on the app must be streamed and cannot be downloaded.

6. PBS Kids

Kids need free streaming content, too. PBS has a PBS Kids Video app that provides hundreds of hours of educational and enriching content for the youngest members of the family. The app has a colorful, child-friendly interface, which makes it easy for kids to take control themselves.

You can even tap the “Live TV” button to watch what’s currently airing on your local PBS station.

Pro Tip

Almost all of the networks and cable TV channels have their own free apps for you to download — although many charge you to actually watch current content.

Videos from many of PBS’s most popular series are available for streaming including “Curious George,” “Wild Kratts” and “Sesame Street.” The PBS Kids app is supported for Android, Windows and iOS phones and tablets.

7. Xumo

Whether you want it now or later, Xumo offers live TV and on-demand options.

Like Pluto, you can choose from an assortment of major network news channels that are live streaming.

But it also includes more than 160 free channels, including themed ones in case you’re in the mood for action movies or comedies — you can watch the Funny Or Die channel here, too.

Xumo is available on most smart TVs and Roku and for download on iOS and Android devices.

Pro Tip

Many of the free TV apps offer “premium” channels — if you see that word, expect to pay for those services.

8. Crunchyroll

Anime and manga fans are likely already familiar with Crunchyroll. It specializes in mostly Japanese content, but it also features films and series from all over the world. Crunchyroll boasts a library of thousands of anime films and series, many of which are hard to find on other streaming services.

There is a paid premium feature, but the free Crunchyroll service has thousands of hours of popular series like the “Dragon Ball” franchise, “Attack on Titan,” “Naruto” and “One Piece.”

The Crunchyroll app is supported by Apple, Android and Windows mobile devices, as well as by gaming consoles, Chromecast, Apple TV and Roku.

Crunchyroll is a great app for anyone with an interest in anime. Of course, when it comes to anime content, you have to be watchful with your younger children, as a lot of it is geared toward teens (and sometimes even adults).

9. Twitch

For anyone with even a passing interest in gaming and esports, Twitch is the go-to free streaming service.

Twitch hosts user-created channels and streams focused on video games and other esports. It features a built-in chat feature, so users can chat with other streamers in real time.

Pro Tip

You’re there anyway — why not get paid to play video games? Here are four simple ways to start earning real cash for virtual play.

While there are thousands of free streams, Twitch also features premium features for a monthly subscription. Twitch apps are compatible with PCs, iOS and Android devices, game consoles, Chromecast and Fire TV.

While Twitch is popular with children, parents should beware: Twitch streams are somewhat unregulated and can sometimes contain adult language or content.

10. IMDb TV

Owned by Amazon, IMDb TV (formerly Freedive) features a host of full episodes of your favorite current and classic TV shows as well as an array of movies.

The catalogue includes some binge-worthy sci-fi hits like “Lost” and “Fringe.”

The free version of IMDbTV is ad-supported, so you’ll have to sit through a few commercial breaks.

It is available in the United States on the IMDb app, the IMDb website, the Amazon Prime Video app and Amazon Fire TV devices.

11. YouTube

Yes, YouTube. YouTube apps are compatible with just about every device that has a screen, and the service features videos to choose from on nearly any topic imaginable.

Most of those videos are not exactly premium content, but there are still plenty of full-length films, documentary series and curated channels that provide cost-free entertainment for the whole family.

While there are ways to download YouTube content for offline viewing, proceed with caution: Many of these sites and apps are full of malware.

12. Peacock

NBCUniversal launched this streaming service, which includes over 7,500 hours of free content, in July 2020.

Although Peacock offers paid premium options, the free version includes current and classic TV shows, movies, news, sports, kids’ shows, Spanish-language programs and even select episodes of Peacock originals.

If you’re a fan of shows like “The Office,” “Law and Order: SVU,” or “Saturday Night Live,” you can watch them on this streaming service.

Customers can stream Peacock on a variety of platforms, including LG Smart TVs, Vizio SmartCast TVs, Roku, Google and Apple devices and Playstation and Xbox consoles.

Get camera-ready: From masterclasses to gear, The Penny Hoarder Shop has all things photography.

Chris Brantner is a contributor to The Penny Hoarder. Senior writer Nicole Dow contributed to this article.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Source: thepennyhoarder.com

GSCU Mortgage Rates Reviews: Today’s Best Analysis

Granite State Credit Union (GSCU) provides members with a variety of mortgage products across the state of New Hampshire.

GSCU AT A GLANCE

Year Founded 1945
Coverage Area New Hampshire 
HQ Address 1415 Elm Street, Manchester, New Hampshire 03101
Phone Number 1-800-645-4728

 

GSCU COMPANY INFORMATION

  • Services the state of New Hampshire
  • Offers conventional loans, such as fixed- and adjustable-rate mortgages
  • Provides FHA and VA loans to qualifying individuals
  • Allows first-time homebuyers to make down payments of zero to three percent
  • Member of the NHCUL and CUNA
  • Allows borrowers to use gifted funds for the down payment and closing costs on certain loan products

Granite State Credit Union provides a variety of mortgage products to individuals across the state of New Hampshire. It offers traditional loans, such as fixed- and adjustable-rate mortgages, as well as government-assisted loans and options for individuals who cannot put 20 percent down on a new home.

GSCU Mortgage Facts

  • Services the state of New Hampshire
  • Offers conventional loans, such as fixed- and adjustable-rate mortgages
  • Provides FHA and VA loans to qualifying individuals
  • Allows first-time homebuyers to make down payments of zero to three percent
  • Member of the NHCUL and CUNA
  • Allows borrowers to use gifted funds for the down payment and closing costs on certain loan products

Overall

gscu mortgage rates reviewGranite State Credit Union provides a variety of mortgage products to individuals across the state of New Hampshire. It offers traditional loans, such as fixed- and adjustable-rate mortgages, as well as government-assisted loans and options for individuals who cannot put 20 percent down on a new home.

Current GSCU Mortgage Rates

GSCU Mortgage Products

Granite State Credit Union provides a variety of home mortgage products. Its offerings consist of traditional mortgages and government-assisted loans, as well as programs for first-time home-buyers and affordable home refinances.

Fixed-Rate Loans

Fixed-rate loans are the best choice for homebuyers who plan on staying in their home for an extended period. With fixed-rate loans, buyers can expect their principal and interest rates to remain the same throughout the loan’s lifetime. GSCU offers fixed-rate mortgages for lengths of 10, 15, 20, and 30 years.

Adjustable-Rate Loans

An adjustable-rate mortgage (ARM) provides borrowers with an interest rate that may vary throughout the loan term. Typically, these mortgages have a lower initial rate than fixed-rate loans, giving potential customers more financial freedom when looking for a new home.

After the initial period, the rates and payments associated with these mortgages may rise or fall to adjust to market prices. Typically, these costs will fluctuate on an annual basis.

Many companies, including GSCU, provide a cap that prevents these costs from getting too high from one year to the next. GSCU recommends these types of mortgages for home-buyers who do not plan on staying in the house for the loan’s full term. GSCU offers 1/1, 3/1, 5/1, and 7/1 ARMs.

First-Time Homebuyer Loans

GSCU offers excellent deals on mortgages for first-time buyers. The credit union gives borrowers the flexibility to choose a fixed- or adjustable-rate mortgage and even provides no and low down payment options to first-time buyers. The No Down Payment mortgage allows borrowers to take out a 5/1 ARM and pay zero percent down on the home.

The Low Down Payment Adjustable loan offers a 3 percent down payment with a 3/3 ARM and the option to refinance into a fixed mortgage if so desired. The Low Down Payment Fixed loan offers a 3 percent down payment and a 30-year fixed-rate mortgage. For Low Down Payment Adjustable and Fixed mortgages, borrowers can use gifted funds for the down payments and closing costs on their homes.

FHA Loans

Unlike some other credit unions, GSCU offers FHA loans to home-buyers who do not qualify for other loan programs. Borrowers may have a high debt-to-income ratio, low credit score, or the inability to put 20 percent down on the home. The Federal Housing Administration (FHA) created these types of home loans to grant buyers the opportunity to invest in property. GSCU allows 100 percent of the closing costs to be gifted.

VA Loans

GSCU allows veterans, military members, and their spouses to apply for VA loans. These types of mortgages are backed by the U.S. Department of Veterans Affairs (VA). Qualified individuals can make a low down payment on the home and keep up with affordable monthly payments.

HARP Loans

The Federal Housing Finance Agency (FHFA) introduced the Home Affordable Refinance Program (HARP) as part of their Making Home Affordable™ initiative. HARP allows eligible homeowners to refinance their mortgages into a lower interest rate to keep their finances secure. HARP provides this opportunity for individuals who otherwise may not qualify for refinancing due to their declining home value.

GSCU Mortgage Customer Experience

Granite State Credit Union offers a variety of online resources that help current and prospective borrowers research home loan options. GSCU’s website contains several mortgage calculators, which assist home-buyers in determining how much they can take out on a home loan.

It also provides information about their different mortgage products, which helps borrowers figure out what type of home loan is right for them. GSCU has a Refer-a-Loan option, which incentivizes borrowers who refer a New Hampshire resident or business owner to procure a loan with the credit union.

In exchange for this referral, both parties can receive $25 for consumer loans or $50 for the mortgage and home equity loans.

GSCU Lender Reputation

Founded in 1945, Granite State Credit Union has provided affordable mortgage rates to New Hampshire residents for over 70 years. Its Nationwide Mortgage Licensing System ID number is 477276.

Since the credit union only services the states of New Hampshire, it does not have many online customer reviews. It is not accredited by the Better Business Bureau, and has no reviews on the site, but maintains an A+ rating.

GSCU Mortgage Qualifications

Although GSCU has flexible mortgage qualifications for individuals taking out FHA loans, its qualification requirements for individuals requesting other home loans are similar to mortgage industry standards.

First and foremost, the credit union prioritizes credit score when approving someone for a loan or for calculating their rates. FICO reports that the industry-standard credit score is 740. However, those with credit scores above 760 can expect the best mortgage rates.

Credit score Quality Ease of approval
760+ Excellent Easy
700-759 Good Somewhat easy
621-699 Fair Moderate
620 and below Poor Somewhat difficult
No credit score n/a Difficult

Buyers should typically expect to put 20 percent down on the home, unless they qualify for a government-assisted loan. In some cases, buyers can anticipate paying as little as zero to three percent on their mortgage down payment.

With certain types of loans, such as first-time home-buyer, FHA, and VA loans, GSCU allows borrowers to use gifted funds to make down payments and pay closing costs. However, those taking out a traditional fixed- or adjustable-rate mortgage should anticipate paying these costs on their own.

History of GSCU

Granite State Credit Union (GSCU) was founded in 1945 in Manchester, New Hampshire. Founder John Edward Grace, who previously worked as a city bus driver, put down an initial deposit of $15.

With the work put forth by John and his wife, Betty, GSCU achieved notability and success before merging, in late 2003, with the Acorn Credit Union. GSCU is currently a member of the New Hampshire Credit Union League (NHCUL) and Credit Union National Association (CUNA). It offers a selection of home loan products, including fixed- and adjustable-rate, VA, FHA, HARP, and first-time home-buyer loans.

Bottom Line

If you live in New Hampshire, GSCU may be a great fit for you! With a variety of mortgage products, GSCU has something to offer for everyone. For more information, visit their website. 

The post GSCU Mortgage Rates Reviews: Today’s Best Analysis appeared first on Good Financial Cents®.

Source: goodfinancialcents.com

Choosing a Health Plan

In a lot of cases, our health insurance coverage comes from a group plan that is offered to you by your employer or by your spouse’s employer. For individuals who do not have insurance through their employer, individual policies exist as an option as well. 

Of course, you can also opt for having no coverage at all, but in the case of an emergency, this could be detrimental to your financial health. No matter your age or marital status, it’s worth looking into your options for a good health care plan to protect yourself from a medically-induced financial struggle. 

No matter what kind of plan you choose, there will always be some out-of-pocket expenses, which means you’ll have some decisions to make. Deciding what type of healthcare plan to choose can be stressful, but it doesn’t have to be overwhelming. In the sections below, we will discuss the key factors that play into choosing the right health insurance plan. 

Types of health plans available 

There are a lot of different terms to learn when sorting through health insurance plans, and each of them come with their own set of distinctions. Before we discuss the difference between HMOs, PPOs, POS Plans and Indemnity plans, it’s important to start with the most common types of health insurance categories: 

  • Indemnity of Fee-for-Service Plans: Health insurance plans that enable you to go to any doctor or specialist that you want without a referral are called indemnity, fee-for-service, or point of service (POS) plans. The insurance company will cover a predetermined amount of your medical expenses, and you will be responsible for the remaining balance. These plans tend to be the most flexible since there are no set restrictions on the medical providers you’re allowed to use, and you are usually not required to choose a primary care physician. 
  • Health Maintenance Organizations (HMOs): A Health Maintenance Organization (HMO) is a band of healthcare professionals and medical facilities that offer a set package of medical services at a fixed rate. This plan does require that you have a primary care physician (PCP), who would serve as the middle-man when it comes to health care. Your primary care physician would then decide whether or not seeking out a specialist is necessary. If your PCP finds it necessary for you to see a specialist, they will then issue you an in-network referral. 
  • Preferred Provider Organizations (PPOs): A Preferred Provider Organization (PPO) has the same organized care characteristic that you will get from an HMO, but with the benefit of more flexible options. A PPO allows you to seek healthcare outside of your network if you feel the need to. Keep in mind that doing so will usually cost you more in out-of-pocket expenses, but a PPO would still cover some of the cost, unlike an HMO. If having a wider variety of options is important to you, then a PPO might be a good option for you. 

Pros and cons of each health plan

Each type of plan comes with their own implications. Ultimately, you’ll have to figure out what is most important to you in order to make your decision. Let’s compare the pros and cons of each plan.

Indemnity Plans

Pros: The major advantage of this type of plan is that you are able to choose where you get your medical care from and which doctor to go to, without the need for a referral or a pre-approval. 

Cons: Indemnity plans will usually come with much higher premiums and deductibles, making them more expensive than perhaps an HMO or PPO. Another area where these plans fall short is the route you may have to take to get coverage. You may have to pay for your medical services out of your own pocket, and subsequently submit a claim to get reimbursed by your insurance company. There’s no telling how long this could take, and you also face the risk of not getting reimbursed at all. 

Health Maintenance Organizations (HMOs) 

Pros: The best thing about getting an HMO insurance plan is that your out-of-pocket medical expenses are usually pretty affordable, and you can expect to pay the same amount for each visit, depending on whether it’s a primary care physician or a specialist.

Cons: In most cases, any services that you receive from a medical professional outside of your healthcare network will not be covered with an HMO plan. Another drawback is that you have to get referred by your primary care physician in order to see a specialist. This may not be seen as a disadvantage to some, but for others it could be seen as an unnecessary extra step in the process if you already know what you need. 

Preferred Provider Organizations (PPO)

Pros: This type of plan offers customers much more flexibility than they would have with an HMO with a lot lower rates than one might experience through an indemnity plan. 

Cons: The main drawback with a PPO is that the out-of-pocket costs are generally less predictable.

Choosing a Health Plan is a post from Pocket Your Dollars.

Source: pocketyourdollars.com

76% of People Who Don’t Fret Over Money Report Doing This

Want to get rid of stress? You could meditate, count to 10 or simply start a zero-based budgeting system. In fact, 76% of people who use such a system report either no financial stress or a decrease in the level of their financial stress last year, according to a recent survey by YNAB (short for “You Need A Budget”), an app that helps people rein in spending and reach financial goals.

Source: moneytalksnews.com