Boyd Shropshire

Boyd Shropshire is a talented graphic designer, musician and artist. He’s also one of my old friends from the UF design program, my roommate when I moved to NYC, and frequent collaborator since 2005.

Our first collabs happened accidentally. While drawing on the same piece of paper, he crossed out what I had done and wrote some words on top of it. I think that unlocked something in my mind, that the drawings weren’t precious. They could be fast, loose, weird and free. These pieces of paper lead to large-scale ink drawings, a two-person art show called Vernacular Shlamacular, collaborative sketchbooks, collages, songs, and creating the artwork for Kurt Vile’s album “Childish Prodigy” on Matador Records.

Check out more of boyd shrophsire on linkedin.
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Do I need to consolidate my bills?

Buying a home, car, boat, or expensive toy can be an exciting undertaking however it can also be fraught with intricacies and details that you are unfamiliar with. Besides choosing the home itself, one of the most important decisions will be the type of interest rate you take out on your home. There are many different types of interest rates to choose from so it is important to select the best option for you based on your long term goals.

When deciding on an interest rate option, you can narrow down your choices by deciding outright whether you would like to have a fixed rate or you are open to a variable rate. Depending on your circumstances, you may find that a variable rate might be the best option for you. If you plan to remain in your home for a short period of time you may enjoy the low initial fees of a variable rate, A variable rate traditionally starts off lower and then can increase over time. This may be an excellent option for serial investors or a family who plans to relocate in the near future. If however you are planning to remain in your home for the foreseeable future, it may be in your best interest to consider selecting a fixed rate mortgage loan. Fixed rates allow you to lock in a low interest rate that will not fluctuate with the market. Your payments will be static and predictable allowing for easier budgeting and planning. Keep in mind that the only way to change this rate is by taking out a new loan which can be done through refinancing.

Before purchasing your home, you will want to have as much money saved for a down payment as possible. The amount of the down payment on your home has a direct impact on your interest rate and subsequently on your monthly payments. The more you are trying to factor your monthly payments the longer it will take to get what you want, try a Bill Consolidation Loan. The more you can put down on the home initially, the more you will save in payments as well as taxes and fees. A minimum deposit of 20% down will assist you in avoiding the extra expense of private mortgage insurance.

Another consideration to make when deciding on a mortgage is the amount of fees involved. You may be getting a good sale price for the home but a laundry list of fees could put you over budget. Find out the exact amount of each fee associated with your closing by requesting a copy of your ‘good faith estimate’ or (GFE). This document will explain all fees associated with your loan in its entirety. You will generally want to work with the lender who offers the lowest APR on your loan, however in the case of a variable loan, a low APR may not represent the full cost you will be paying over the life of the loan. Don’t be hesitant to compare offers from different lenders to see which is the best loan for you.

Once you have decided on a loan package with a specific lender, you must lock this rate in as soon as possible. The market rates fluctuate constantly and stalling to decide on a particular loan could cost you in the end. Take a look at recent market fluctuations to decide if your current interest rate is reflective of the lower trends. If not, it may be in your best interest to wait until the rates go down before locking it in.

Keeping these pointers in mind will assist you when deciding on a mortgage loan for your home. No matter what, you always have the option to refinance your loan if a better interest rate becomes available at a later time.

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