Month: October 2021 (Page 3 of 3)

New Mirrors? Read this first

Mirrors have been a part of everyday lives for most of history. Today almost every household in America has mirrors. Every morning you use mirrors when getting ready. The mirrors we use today haven’t always existed the way we know them. Let’s take a look at the evolution of the mirror.

Mirrors have been around since the era known as “prehistory”. These mirrors were not made of glass like today, but instead were often pools of still water or polished stones. The earliest manufactured mirrors found were made of polished volcanic glass, also known as obsidian.  These primitive mirrors have been found in Turkey, and Central and South America.

Moving into the Bronze Age mirrors were being made from polished metals, such as bronze, silver, or copper. These polished metal mirrors have been found in China, Nubia, and Rome. Due to the materials used in the production, mirrors would easily tarnish and required frequent polishing. These materials are provided very poor color reflection. Towards the middle of the Middle Ages glass began to be used in the making or mirrors. These mirrors were poor in quality, often being curved and small. This gave the gazer a disproportionate view. These first glass mirrors were also expensive and fragile, so steel remained the primary material to make mirrors. The thin steel mirrors were coated with silver to improve the reflectivity.

Towards the end of the Middle Ages and the Renaissance many improvements were made in the art of glass making. These improved mirrors could be found in Germany, France, and Italy. Each region developed its own method for creating flat glass mirrors. The glass used to make these improved mirrors contained lead which gave them greater clarity and made the glass easier to work with. During the Renaissance the Venetians perfected a technique called amalgam. This technique enabled them to produce larger mirrors that were less fragile. This made mirrors more affordable to the everyday people, thus mirrors were no longer just for the rich. However these early mirrors still contained high levels of mercury.

During the Industrial Revolution machinery made it possible to bulk produce mirrors. The French were some of the first to develop techniques to mass produce glass for cheap. It was the Germans however that invented the silver-glass mirrors that we know today. They were able to layer liquid silver nitrate on glass to produce a smooth, reflective surface. This new process made better quality mirrors that were still cheap to make.

Today mirrors are available in a variety of finishes, shapes, and sizes. Different material can used depending on the purpose of the mirror. An automotive mirror will be made of a different material than a bathroom mirror. Mirrors have many more applications today, such as in microscopes or projectors.

Selecting a quality mirror for your home is a big decision. Hiring a professional who specializes in custom mirrors in Riverside, CA will make all the difference in your project. A qualified professional will be able to give you a custom mirror, and provide installation service as well.

What Is Refinancing? A Simple Guide

Refinancing can be a complicated topic to get around and understand. According to the dictionary, refinance is defined as “financing something again, typically with a loan at a lower rate of interest.” It does take some research to get into this, but here are a few short points on the pros and cons of refinancing.

 

 

Pros

 

  1. Increasing Long Term Savings

 

One great reason to refinance your home is to increase your total long term savings. It can help in two main ways. The first way is by getting a lower interest rate that can decrease the mortgage interest that you have to pay over the total life of the loan. The second way is by having a smaller monthly payment so that way more money can go into savings and can be invested for retirement. The first way is definite and will always help increase long term savings while the second way is a little more risky, but can still increase the long term savings.

 

  1. Help Pay Off Credit Card Debts

 

Credit card debits can be very damaging to your credit score, so paying less interest on consumer debt like credit cards will help increase savings. Lots of people typically think that in order to pay off those debts, they have to do a cash out refinance, but that may not always be the best idea because that can lower the equity of the home. A regular refinance is the way to go in that case.

 

 

Cons

 

  1. Refinancing With the Rest of the Heard

 

If everyone else is refinancing at the time because there are low interest rates, sometimes it is not the best idea to refinance with everyone else. It is important to make sure that you have the funds and criteria in order to properly refinance without issues. It is also important to make sure that you are doing what you need for yourself, and not what everyone else is doing.

 

  1. Skipping Monthly Payments

 

If you are refinancing to pay a monthly payment that you had skipped or missed, it is not a very good idea to follow through. It can lead to you losing more money than keeping any. Even if you are using that money to pay a monthly payment like bills, you still have to pay the monthly payment for the loan and you can lose money quite quickly doing that.

 

 

Although there are pros and cons with refinancing, there are also a few things to keep track of when you plan on refinancing.

 

What to Keep Track Of

 

  1. Know the equity of your home

The first main qualification you have to know in order to refinance your home is the equity of the home.

 

  1. Know your credit score

Over the past few years, lenders have become increasingly strict and must require that you have a good credit score.

 

  1. Know what your debt to income ratio is

 

  1. Know the costs of refinancing

It is important to know the costs that come with refinancing when you want to. It usually costs about 5% of the total loan amount.

 

  1. Know your break even point

It is important to calculate your break even point which is the point where the costs of refinancing are covered by your monthly savings.

 

  1. Know your taxes

 

If ever in need of professional help with refinancing, contact this Lancaster refinance company.

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