Thursday, September 24, 2020

How Long Should It Take To Pay Off A House?

If you are looking to buy your own home, you should be in it for the long haul. Mortgages usually last anywhere between 15 and 30 years, but there is no right or wrong way to pay a mortgage. You just have to decide which way makes sense for you and if the 15 years or 30 years is most conducive to your budget.

Photo by Ketut Subiyanto from Pexels

If you want to find out what type of mortgage you can afford, you can use a mortgage estimator which will take into account your annual house income, your monthly debts and what you can afford to put down on a home. This will also help you decide what you can afford in terms of years on a mortgage.

Most financial advisors recommend that no more than 28% to 30% of your total budget should go toward your mortgage payments. This means it is always crucial to consider all your other debts when finding the right mortgage for you. The mortgage estimator and mortgage consultants can help you make the correct choice because the expected time it takes to pay off the mortgage directly influences the amount of money spent on regular monthly payments.

Due to the financial crisis in 2008, which hit the housing marketing especially hard, mortgages can no longer exist over many decades, meaning the 40 or 50-year mortgage is deceased. In today’s market, guaranteed loan periods are usually 10,15 or 20 years. Some banks do give people 30-years for a conventional mortgage, but due to the now higher price of homes and the 

low-interest rates that are encouraging longer repayment periods, a lot of Americans choose a 20- to 25-year loan repayment.

Though a lot can change in a decade or multiple decades in the financial markets and in your life in general, the terms in a mortgage contract are absolute or fixed. The interest rate of your contract is to be paid for a specific length of time, so once that rate is paid off or that period time is over, then and only then does that interest stop and renegotiations are possible.

While getting a mortgage, you may think that you want to pay it off as soon as possible, however, you need to think in the long term and make wise choices. A high percentage of buyers will try to modify their contract at three years if they opt for a five-term mortgage due to life changes such as a new job, separation, or birth of a child that could have them changing homes. 

You should be keener on choosing a payment plan that is closer to the minimum you can afford as opposed to the maximum. You also can choose a flexible mortgage that will allow you to find ways to pay off your mortgage quicker. Some banks allow borrowers to make a double payment at any time and it will pay down a percentage of their principal once a year. You should also try to increase the frequency of your payments if it has little impact on your budget. You can pay $700 every two weeks instead of $1,400 a month, and it will end up paying extra toward the mortgage.

All in all, there is more to focus on than the interest rate when deciding on how long you want it to take to pay off your home. You need to focus on making a deal that makes it possible to pay off your mortgage quickly.

Monday, September 21, 2020

How to apply Magnetic Eyeliner and Eyelashes for Beginners

 Hi guys! How are you all doing? I hope each and everyone in the family is safe. 

For this post, I will be sharing with you all my first-time experience in applying a Magnetic eyeliner and eyelashes. 

This is the second time I tried applying and wearing false eyelashes but the first one was just minutes upon application and it did not stick or I wasn't able to wear it for the whole event. It was the basic falsies where I bought from a beauty store for me to try out. Since it did not give me the eyelashes and the purpose I was looking for falsies I said to myself not to wear and buy falsies again. But, I was wrong I gave in to another shot of falsies and got myself not just one pair but five! haha! 

So last 9.9 shopping spree we initially checked these magnetic eyelashes with eyeliner at Lazada but the price made us switch to Shopee. Price comparison; Lazada 368 pesos - Shopee 252 pesos, so Shopee it is!

After 11 days my magnetic eyelashes arrived and disinfected it how many times with soap and water and alcohol too before I used and applied it. 

Here is the video of the review and application. Please bear with me as this is my first time applying to use and apply these lashes. This tutorial and review are for beginners and comments and suggestions are welcome. I will practice more so I can perfect it. Let me know if I am doing it right or if it looks pretty on me? Thank you!  

with and without Magnetic eyelashes 

So how do I look?  I hope I did fine applying this beautiful lashes. :) 

Thank you for watching the video, stay safe!

Thursday, September 17, 2020

3 Simple Makeup & Beauty Tips For Every Woman

Cosmetics is a multi-billion dollar industry, and that's because most women around the world use cosmetics to boost their appearance and self-esteem. Makeup can help a woman feel beautiful and confident, whatever the situation may be. For me, I always follow the three-basic and simple makeup and beauty regimen to achieve that natural and glowing look. 

1. Hydration, our skin needs plenty of water to keep it hydrated. Drinking plenty of water can lessen dry and saggy skin, it can also help good blood and oxygen circulation to the body. You can get enough water by taking water alone and by food intakes such as fruits and vegetables.

2. Maintain good hygiene, after taking care of the inside of your body by hydration - it is time to work on the outside of the body. Keeping your skin especially the face clean and healthy. Moisturize your skin, there are soaps and liquid moisturizers available in the market that you can use. A good moisturizer before putting on makeup can protect your skin from irritation.

3. Choosing the right makeup. 

There are considerations a customer should weigh when selecting the right makeup: A customer will go for the following:  

  • brand
  • pricing
  • matches their skin tone 
  • good product reviews & a good recommendation

When the pandemic started I promised myself not to buy or purchase any makeup products for me to use because there will be no sense of wearing any makeup when we are on lockdown. Even more, when all of us are mandated to wear facemask and face shield to protect us from the Covid-19 virus, makeup is no use at all. Not until after months of still on lockdown and days passed that I felt I need to uplift and bring self-esteem back by making myself look good and feel good. And, one of the things I love to do when I prepare myself going to work is to put on makeup. 

I dived into the craze of online shopping since I cannot go to the mall and shop. I did not go crazy on buying stuff online as I know myself's limit and capacity to purchase, btw, I became unemployed because of the pandemic...after 17 long years od working I am officially unemployed. So, unemployment made me go stick with the budget I have at the moment. Also, the brand of the makeup I bought was a recommendation from my niece.  

SACE LADY BUNDLE 06- 3pcs Waterproof Mini Liquid Matte Lipstick, I got from Shopee but it was initially on my Lazada cart, after comparing the prices from the recent 9.9 shopping sale, Shopee offered the best price and deal for this mini lipstick set. These set of three mini lipstick cost P89 (less than $2)!

You can check out the full and comprehensive review of the lipstick on the video link below. 

My before photo without any lipstick on.

SACE LADY BUNDLE 06- 3pcs Waterproof Mini Liquid Matte Lipstick




So, how do you find the lipstick color I wore in the video? Which one of the three best suits me? 

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