May 22, 2020

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Let's kick this month's newsletter off by taking a moment to remember the fallen, and to honor those that sacrificed all for our freedom. Also, the surviving spouses, siblings, children, family and friends who carry on with the memory of those amazing soldiers who died for us. Thank you.

Now, let's take a look at what else you'll find in this month's Two Cents Monthly...

• Rates so low that you may want to talk. Now. If we haven't looked at refinancing in awhile, maybe we should. See more below.
• Texting and tulips don't mix
• Celebrating Memorial Day, social distancing style
• Kid safe phone tips
• Headscratching headlines
• Antimicrobial fabric masks (do they work?)
• What is a "touchless door opener" anyway (did I see this on Sharktank?)
  

Reply back and let me know which article caught YOUR eye, and let's talk about saving you money on your mortgage...

MORTGAGE CORNER

Is it time to consider refinancing?

With mortgage rates now at the lowest level in years, many homeowners are wondering if they should refinance. This question can be especially confusing if you have purchased your home or already refinanced in the last couple of years.

I can clear away all the confusion, help you run numbers and different scenarios, and see if refinancing makes sense for you. The best part is that there's never a fee or any obligation when we talk. We can check out your unique situation, give you your options, help you if you want to move forward, or simply monitor things and 'manage your mortgage' if it doesn't yet make sense.

Contact me today and let's see if it makes sense for you. (888) 777-5555 or jayhemmer@gmail.com if email is easier.

ALL GAVE SOME, SOME GAVE ALL

Remember and Honor

Memorial Day is sure going to look a lot different this year. The holiday honors members of the armed services who died while serving. Next Monday, national cemeteries will be open, but many parades and big events have been canceled. Typical gatherings — including having extended family and friends over for a barbecue — likely won’t happen for most people.

Here's a list of family friendly things from Good Housekeeping that you can do to celebrate Memorial Day, while adhering to social distancing guidelines and remembering what the holiday is truly about. Read More»

SAFETY AT HOME

Keep your kids safe online with these parental control apps

Internet-connected devices make it easy for kids to hang with friends or learn new things, but they also offer a way to access inappropriate content. With a parental control app, however, you can limit usage times and block unwanted content. Read More»

HEAD SCRATCHING HEADLINES

Can you spot the fake?

With protective face masks taking center stage in the medical (and fashion) world, we picked out some of the craziest mask-themed headlines from the week's news. However, concealed behind one of these headlines is a story we made up.

See if you can uncover it...

a. "Italian designer creates the 'trikini,' a bikini set with matching face mask"

b. "These face masks come with a straw hole for sipping cocktails"

c. "Gucci halts production of its $6,000 masks as customers complain about breathing through the leather"

d. "Men are less likely than women to wear face masks because they see it as 'a sign of weakness,' a survey found"

WORDS TO LIVE BY

LIFESAVVY

What are antimicrobial fabrics (and do they work)?

Wondering if it’s worth it to buy antimicrobial clothing and face masks? Here’s a closer look at how these fabrics work, and what they can (and can’t) do. Read More»

THERE'S A CATCH

Brass "Touchless Door Openers" are everywhere now, but do they actually help?

Brass “touchless” door opening hooks (or keys) are showing up all over the internet with a simple pitch: use them instead of your fingers to open doors and punch keys to protect yourself from germs. Brass is an alloy of copper and usually zinc, and copper does have antimicrobial properties. So, will it protect you from germs and more importantly, COVID-19? Probably not, and here’s why. Read More»

HEAD SCRATCHING HEADLINES ANSWER

Thank goodness Gucci doesn't make leather masks.

YUMMY RECIPES

Some insanely easy weeknight dinners for May

Here are a few easy-to-make, yet delicious dinners, to try while you've got some extra meal time at home. May I suggest the Bacon-Beef burger (yes, 50% bacon and 50% beef)