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I have written many articles on refinancing a fixed rate mortgage to an adjustable rate mortgage. I have helped people cut as much as $800 off their monthly payments by turning their high fixed rate mortgage loan into a much lower ARM. This may be the time Ravens Ronnie Stanley Jersey , however, to put the strategy in reverse, especially if your adjustable rate mortgage is coming up on the adjustment period.

If you have an adjustable rate mortgage in the four to five percent range, and it is about to adjust, and if you think you'll be in the home for more than five additional years, you'll want to strongly consider refinancing your adjustable rate mortgage to a fixed rate mortgage. Here's why.

Rates continue to remain very low. Fixed rate mortgages in the five to six percent range are very good loans. So, if you have an ARM at five percent, and it could possibly balloon to six or seven percent, now is the time to fix that rate at between five and six percent. Remember, if you intend to remain in your current residence for more than five years, fixing that rate is a very wise move.

This way, you will keep your payment low for the life of your loan, and you will eliminate the worry of an adjustment.

Mark Barnes is the author of the new novel, The League, a shocking, sports-related conspiracy. Learn more about his suspense thriller at . He is also an investment real estate and home loan finance expert. Get his free mortgage finance course at Strappy shoes are cute, but thick skin on top of your toes might be preventing you from wearing this style. The thick skin, otherwise known as corns, is caused from hammertoes. A hammertoe is a bony deformity of the second, third, fourth, or fifth toes where the middle joint has become fixed into a clenched position.

Hammertoes may be hereditary. So if your parent or grandparents have crooked toes, you may be more prone to them as well. People with higher arches or longer toes are more likely to have hammertoes because a lot of weight is being put on the forefoot and the toes are pulling back. This buckling effect can also cause thick calluses on ball of your feet.


Unfortunately, a hammertoe won't go away on its own. Orthotics may be able to help with pain you are getting on the bottom of your feet, however they won't do much for corns on the tops of your toes. The best option for that would be surgery, especially if you don't want to change your lifestyle because of the chronic pain. So don't put away your strappy Manolos just yet - contact your podiatrist to discuss what is best for you.

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The prospect of getting an eCommerce store developed is tempting, to say the least. Touted as the proverbial money-spinner, an eCommerce platform is fast becoming a crucial part of our shopping experience. As per reports, in the year 2013, around 40-41% percent of people had shopped online. The figure is well poised to touch 46% in the year 2017.


A Few Words About eCommerce Development


Development of eCommerce platforms is no walk in the park. Mistakes along the way can significantly impact your entrepreneurial fortunes. No amount of discount or sales can help you if you don't have a user-friendly site or for that matter if your contact information is not easily visible. Here is a lowdown on the major eCommerce development mistakes that you should avoid at any cost.


A Few eCommerce Web Development Mistakes Ruining Your ROI


An efficient eCommerce Web Development Company will not commit these mistakes at any cost.


Mistake 1: You aren't paying heed to the factors to be considered while selecting an eCommerce platform


Do you realize that even the most popular eCommerce platform like Shopify cannot really be chosen arbitrarily? The choice of the eCommerce platform is the most vital decision affecting the future of your eCommerce store. And, what exactly are the factors that need to be taken into account? The size of your inventory, payment methods and the projected number of customers are just a few attributes that should ideally govern your choice of the eCommerce platform.


Mistake 2: Coming Up with A Layout Which Does Not Evoke Enough Trust


It happens and happens often. The appearance of your site is critical to business growth. You simply cannot forget that your users are trusting you with their personal information (like name, address, and their credit information). Now, the digital world is no stranger to instances of data breaches and information hacks. Shoppers have become more cautious than ever as far as providing personal information is concerned. They will simply like to ignore an eCommerce site which does not inspire due confidence. Businesses should be prudent enough to view a website just like a customer. Have a good look at your own site. Would you have divulged your personal details to the site (created by you) if you were a customer? You're committing a major mistake if you aren't doing this.


Mistake 3: Not having enough payment options


This remains one of the major reasons why eCommerce stores end up losing customers. Why not facilitate user experience by including as many payment options? With payment services like Google Wallet, PayPal and Amazon you can let your shoppers pay with all the leading credit cards or electronic checks.


Mistake 4: Not Coming Up with a User-Friendly Layout


No matter how tempting it sounds, the inclusion of too many features on your website only goes on to hinder its loading speed. Aim for simplified navigation. Make sure you're making your site as clutter-free as possible accommodating all the necessary information at the same time.


Webpulse Solution Pvt. Ltd, a leading web development company in Delhi, is offering highly functional ecommerce web development. Developed using advanced PHP language, our e-commerce website. Cheap Womens Nike Shoes Cheap Nike Air Jordan Cheap Air Max Shoes Cheap Nike Air Max Cheap Air Max 90 Cheap Air Max Mens Jordan 6 Shoes For Sale Air Max 2017 Outlet Cheap Jerseys Free Shipping Cheap NFL Jerseys China