VA Streamlined Mortgage Refinance (part 2 of 2)

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No Job Verification
In connection to that, one thing you shouldn’t have to prove is the existence of your job. In fact, there’s no need to lie. If you’re currently unemployed then so be it. The VA won’t care. They use a filtering process for loan applicants different from other creditors.

No Immediate Payment Required
Depending on your financial situation, current circumstances, and eligibility, the VA might be generous enough to give you up to a 2-month grace period before you’re required to make your first monthly payment for your loan. This might not seem much at first glance, but just imagine how much easier budgeting can be if you won’t have to worry about settling your monthly dues for two months!

Get Refunds
This is not, however, applicable for any situation. In particular, the VA may be able to refund your money if you have an existing escrow account.

Easy Loan Closing Process
You won’t have to worry about closing costs and delays when it comes to VA streamlined refinancing. Firstly, you can leave it to your future mortgage provider – the VA in other words – to take over the closing process. Secondly, if there are any closing fees you have to pay, the VA shall take care of that and they’ll simply add the total to your refinance loan balance. You won’t have to pay for them immediately either; they’ll be part of your monthly payment instead.

One thing you should be aware of, however, is that VA streamlined mortgage refinance does not offer cash out options. If you want that, you’re better off with a VA cash-out refinance loan!

VA Streamlined Mortgage Refinance (part 1 of 2)

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The unfortunate fact is that not everyone is eligible for VA streamlined mortgage refinance. If, however, you prove to qualify then you stand to enjoy various advantages.

5 Benefits of Getting VA Streamlined Mortgage Refinance
VA streamlined mortgage refinancing is different from other types of loans because of the unique benefits it offers, some of which are listed below.

No Appraisal Requirements
Property assessment has always been part and parcel of the loan application process but VA streamlined mortgage refinancing is a definite exception. As long as you prove to meet the requirements for the loan, an appraisal of your property is no longer necessary. Automated valuation or a drive-by assessment would more than do.

No Credit Check
VA doesn’t care about your current credit rating. This may be bad news for those who have worked hard to maintain a stellar credit score but it’s sure to be good news for those with poor credit scores.

The absence of a credit check, however, doesn’t mean you don’t have to meet any other credit-related requirements. To become eligible for VA streamlined refinancing, you need to have an existing loan than you’re currently paying for. If you don’t have a loan then what you need is financing and not refinancing. Secondly, you must prove that you’ve been able to pay on time for the last twelve months or at the very least, you haven’t submitted your payment later than 30 days following your supposed deadline more than once.

No Income Documentation Requirement
VA doesn’t care about where you’re getting your income from either. Unlike with other creditors, you won’t need to email or fax proof of your income. It doesn’t matter if you’re receiving cash income. It doesn’t matter if you’re self-employed. It doesn’t matter if you’re completely reliant on the financial support provided by your loved ones.

Choosing the Best Mineral Makeup for You (part 2 of 2)

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Aside from this mineral, some mineral makeup brands claim that they have a “pure” line.  But once you have checked the ingredient list, they are not really different from the regular makeup.

You also need to check the ingredient list to see if titanium dioxide is present.  You would like to have this natural mineral on your makeup.  It has anti-inflammatory capability, making it good for women who frequently have skin problems breaking up.  Also it can be a natural skin sun protector.  It is also necessary to pick a makeup with an SPF factor of 15-30.  With this kind of makeup, you do not have to apply sunscreen under the makeup.

When trying the makeup, it would be best to apply it directly to the face and not on the hand.  The back of your hand or your wrists is not the exact match to your skin in the face.  Most brands would have makeup on different tones.  So you have to know your skin tone and what flatters it.

Testing the mineral makeup can be done if you the products in department stores and cosmetic line directly, but if you buying the product over the internet then that would be different.  You do not want to end with a makeup you are not going to use just because it did not look good on you.  So when buying online, buy the tester or a sampler first before the product.

Also, check for concealers.  This would be important if you would like to hide your under the eye circles and blemishes.  Just make sure that the concealer you pick will blend with your foundation.

When shopping for the best makeup, check if the manufacturer of your mineral makeup is also selling water-resistant primer.  A primer or sometimes they are available as sprays or cream, will help your makeup settle and stay in your face.

Choosing the Best Mineral Makeup for You (part 1 of 2)

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Almost all women nowadays are wearing makeup, not only does it enhances your natural beauty but also covers those small things that you would like to hide.  Most of the hype on makeup today seems to be about mineral makeup.  More women are showing interest in using these products since they have beneficial effects on the skin.

If you end up using a wrong makeup, it is more likely that you would develop allergic reactions from.  Or worse, develop a skin problem like acne or clogged pores. You do not want that to happen, so here are some tips that can help you when choosing the best mineral makeup for your skin.

Do not concentrate on just one brand.  If your friend said that this brand is good for her, it doe not necessarily mean it would be good for you too.  There re some brands which are recommended by dermatologists.  You can check that first or you can check those who offer a trial period.

If you have decided to buy mineral makeup, then you should know that it tends to be more expensive than regular makeup.  So when buying a mineral-based cosmetics, check the manufacturer’s refund policy.  There are some brands that refund the customer’s money, especially if the makeup results to itchy skin and rashes.

Do not forget to check the ingredients list.  If they do not have that on the label, then it would pay to check the manufacturer’s website to check on the ingredients.  Even if women are less likely to have allergic reaction from mineral-based makeup, it would still be better to know if there are filler ingredients and also if bismuth oxycholoride is there.  This mineral is often associated with allergic reactions women get from mineral makeup.

Delectable Dishes: Finding the Best Kauai Restaurant (part 2 of 2)

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For Formality and Romance

For honeymooners and others visiting Kauai for a romantic vacation, the Princeville Resort has a few restaurants with a spectacular view of Hanalei Bay such as Cafe Hanalei, La Cascata and Bali Hai Restaurant. The Beach House Restaurant also offers seaside views on the south shore.

If you’re up to garden scenes, Piatti in Poipu and Gaylord’s near Lihue are ideal locations. Chef Jean Marie Josselin offers you some of the best Pacific cuisines on the east side of the island at A Pacific Cafe. Postcards Cafe is great for dieters since it features natural dishes with no meat and additives. Brennecke’s can provide you with the best seafoods in Hawaii such as fresh ono, snappers and ahi.

Enjoy candlelight dinners in Kauai restaurants such as Dondero’s with its array of Italian dishes. The place has an excellent wine selection coming from California and several European countries.

La Cascata has a very unique and romantic setting with inlaid marble floors, Franciscan murals and ocean view. The restaurant offers Mediterranean cuisine plus authentic Italian and Hawaiian desserts. Roy’s Poipu Bar & Grill at Kiahuna Plantation Drive offers Euro-Asian fusion with its delightful seafood, vegetable and meat dishes.

It also keeps you very close to Poipu Shopping Village so reservations are recommended.

Delectable Dishes: Finding the Best Kauai Restaurant (part 1 of 2)

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If you’re looking for a great place to dine, be sure to visit a Kauai restaurant. Some spots in the island offers world-class cuisine prepared by only the best in the world. You can try a variety of authentic Hawaiian cuisine and drinks as well as other popular international dishes. Some places are ideal for romantic getaways while others are perfect for the entire family with huge appetites and a budget.

What the Experts Recommend

Some Kauai restaurants particularly focus on keeping the whole family entertained and full. The Hanama’ulu Tea House and Ono Family Restaurant are popular spots for having quality service, special attention to children as well as great food and drinks. Here you can enjoy some authentic Hawaiian meals at the right sizes for every member of the household. Brick Oven Pizza is another fun restaurant as well where kids can feel right at home. If the family are up for nice meats and steaks, they can visit Tip Top, Kintaro and Brennecke’s. These places have very extensive menus.

If you’re looking at value, there are some spots that offer great prices as well. Barbecue Inn is located at the eastern side in Lihue featuring large servings at very affordable rates. For Mexican food lovers, they can visit Tacqueria Nortenos, Neidei’s Salsa & Samba and Pony Island Cantina. The Palm Tree Terrace in Wailua is ideal for big groups. You can also enjoy dining bargains at Mema’s and King & I in Wailua which offer fine Thai food and Hamura’s and Okazu Hale.

More excellent steaks and seafood await at Kalaheo Steak House which features their specialty prime rib and island fish. Meat and fish are cooked to perfection together with great appetizers and top quality wine. Bull Shed is located on the eastern shore which also has delicious steaks and seafood. Duke’s Canoe Club in the Kauai Marriott is found on the eastern shore offering an extensive salad bar and beachfront view. Winds of Beamreach is another must-visit Kauai restaurant on the north shore.

Friendship Bracelets as a Souvenir during Kids Birthday Parties (part 2 of 2)

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The first step in making the friendship bracelet is to buy the supplies needed which include sets of colorful beads of your or your child's choice, elastic nylon string, a pair of scissors, glue gun, pieces of glue stick, tape measure or ruler, and a round nose pliers if you choose to add locks and other metal items in the bracelet. You can find old stuff in your house or buy these in the crafts store nearby.

Once you have all the materials that you need, ask your child to segregate pieces of beads according to his or her preference. Or to make the process faster, you can segregate bead pieces by yourself. Next is to come up with a bracelet design and draw in on a piece of paper. Here, you can ask your child to come up with his or her design and incorporate it with yours.

After which, get the elastic nylon. Using a tape measure or a ruler cut the string according to your desired length with a pair of scissor. Then, gather the beads that your have segregated and selected earlier and start stringing the beads into the elastic string. After that, knot the two ends of the string after you threaded the beads in it. Make sure to tie the final knot twice so it will not loosen up. Cut the excess nylon string using a scissor.

To make sure that the ends would not loosen up, you can put glue on the knots and flatten it with round nose pliers. You now have unique souvenirs that you can give out during kids birthday parties.