Privacy Policy for coryeats.com

Privacy Policy for coryeats.com

The privacy of our visitors to coryeats.com is important to us.

At coryeats.com, we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use and visit coryeats.com, and how we safeguard your information. We never sell your personal information to third parties.

Log Files
As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.

Cookies and Web Beacons
We do use cookies to store information, such as your personal preferences when you visit our site. This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.

We also use third party advertisements on www.coryeats.com to support our site. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).

DoubleClick DART cookies
We also may use DART cookies for ad serving through Google’s DoubleClick, which places a cookie on your computer when you are browsing the web and visit a site using DoubleClick advertising (including some Google AdSense advertisements). This cookie is used to serve ads specific to you and your interests (”interest based targeting”). The ads served will be targeted based on your previous browsing history (For example, if you have been viewing sites about visiting Las Vegas, you may see Las Vegas hotel advertisements when viewing a non-related site, such as on a site about hockey). DART uses “non personally identifiable information”. It does NOT track personal information about you, such as your name, email address, physical address, telephone number, social security numbers, bank account numbers or credit card numbers. You can opt-out of this ad serving on all sites using this advertising by visiting  here.

You can chose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

Deleting cookies does not mean you are permanently opted out of any advertising program. Unless you have settings that disallow cookies, the next time you visit a site running the advertisements, a new cookie will be added.

AdSense Privacy Policy Provided by JenSense

Should you refinance your home?

Are you thinking of refinancing your house?  What's holding you back?  Its seems like a great time to take advantage of all-time low rates caused by a recession like economy and take the plunge.  But you need to do your research before contacting your lender.   Before you refinance your house there are several things to consider. 

First thing to consider is whether you plan to stay in your house or move.  With refinacing you typically have closing costs- so figure your break even point.  We had considered moving with all the great deals to be had with foreclosures and the slow economy.  After about a year of watching and waiting we decided to stay put and save thousands of dollars.  

Once you decide to refinance- shop around.  We went to LendingTree.com and submitted our information to find some creditors interested in helping us.  It was great because lenders contacted us with their best offers.  This will give you an idea what is available as far as rates and offers.   Typically there are 3 ways that lenders will handle your closing costs.  

1. They will let you know your closing costs and you will need to bring a check to cover the costs.
2. They will let you roll your closing costs into the amount that you are borrowing.
3. Some will offer lower or no closing costs but your interest rate will be bit higher.

So which option should you choose?  This will be up to you and your budget.  Don't be afraid to ask questions at this point.

Check out any of these lenders or search for your own deals.

Popular Search - Refinance, Mortgage

Lastly have the bank or lending institution lock in your rate in writing and when it expires. Rates change daily so get your options in writing.  Good lenders will send you a proposal in writing by fax or email. Ask for at least 60 days and get commitment from them that they can actually close before the rate expires.  

We are on our 2nd round of refinancing.  We initially started out on a FHA loan at 7% when we purchased our home.  Then we refinanced at 5.65% within a few years with our house appraising enough to drop our private mortgage insurance (PMI).  Recently we refinanced with a low rate of 3.25% with a 15 year loan.  We are saving 7 years of house payments with a slight increase in our payment.  Saving us over $45,000. That is a lot of dough!  

Zillow.com has a great calculator!