Mark Easterday asked:


You have to look good in your sunglasses. There is no question about that. After all, they sit right in the middle of your face! And while they are on, your sunglasses are probably the first thing that somebody else notices on your face. But of course, to look good in a pair of sunglasses, you don’t need to go out and spend a bundle on them. From a simple trip to a pharmacy, department store or superstore, to a quick search online, it’s easy to see that you can find yourself an eye-catching pair of sunglasses at a reasonable price.

But looks aren’t everything! Sunglasses serve an important purpose, besides shading your eyes and complementing your good looks. They guard your eyes and your vision from the dangerous ultraviolet, or UV, rays of the sun. Just as these UV rays can cause sunburn, sunspots, and skin cancer on the rest of your body, these harmful UV rays can also damage your eyes.

One type of UV light in particular UVBs can cause temporary blindness with a condition called photokeratitis, or snow blindness. Photokeratitis occurs when your cornea gets burned by the Ultraviolet B rays. The damage and pain can last up to 2 days. Long-term exposure to UV rays can also be responsible for macular degeneration, cataracts, or skin cancer around the eyelids if your eyes are not protected outdoors.

Sunglasses are meant to protect your eyes from these harmful effects of the sun. But not all discount brand sunglasses do the trick. It is important to consider whether or not a pair of sunglasses can adequately block out UV rays. Check the labels on the sunglasses before you buy them. All sunglasses should block out 99-100% of UV rays.

In addition to protecting your eyes and filtering out UV rays, sunglasses should also reduce glare and be comfortable to wear. Sunglasses containing polarized lenses are especially great for reducing glare, and are popular with outdoorsman for activities like fishing and boating. The color of your sunglasses lens may also reduce glare. Brown, Amber, Yellow and Red lenses reduce more glare than other lens tints.

Nothing is finer than being outside on a sunny spring or summer day, soaking up the rays, playing in the water, or having a family picnic. So just remember to wear adequate clothes, sunscreen and your sunglasses. One last thing to consider before buying your discount sunglasses; they may be worth your while because when you lose them, it won’t hurt your wallet so much!



discount blinds

David Faulkner asked:


Are you tired of your window blinds? Have you wanted to try something a little more unique in choosing your window coverings? There are many choices you can choose from when you are looking for window dressing, but how will you choose? Part of your choice is going to be your home decor, while the other is your budget. Bamboo window blinds are a unique yet budget conscious way to accent your home.

Bamboo window blinds come in two different styles with a variety of colors. Most people think of bamboo as being green or light tan. This is true, but with the technology we have today it is also possible to die the bamboo to any color you wish it to be so that it fits in your home better. Once you have determined the color of the bamboo window blinds you may be limited in style or you may still have the offer of both styles.

You may choose to have both styles in your home depending on the rooms. The first style is a roll blind. This means you roll the blind up and secure it with straps rather than having a string that brings the blind up. This style is for less formal rooms, such as sunrooms or an area where you don’t want your kids to get a hold of the blind strings of the other style. The other style is called venation. This is your typical blind with the strings bringing the blind up. They tend to offer more ventilation than the other bamboo window blinds and offer a more elegant look to any room.

Any type of blind is important to keeping the sun out, but you don’t have to sacrifice taste for your budget. Bamboo window blinds offer you the uniqueness and tropical look you have been looking for. They come in a variety of sizes so you can usually find the correct size without having to special order them. If you have an older home you may need to place a couple of special orders, but you will still be able to find the blind that fits your home with ease. Installation of these blinds is also very easy. You simply need to read the instructions and make sure you have some basic tools.

If you are unsure if you will be able to install the blinds you can find a contractor who will be willing to install the blinds for you at minimal cost. Most of the time it takes a few minutes to install a blind so they will charge you by the hour, most usually their regular fee. You may also see if the hardware store offers installation. It is a good idea to compare pricing for installation before making a decision.

Bamboo window blinds are a great addition to any home. You may decide to start off with a green hue while realizing the exposure to the sun will eventually create a beautiful golden hued blind. The style of blind and color of bamboo window blind will be your choice.



honeycomb shades

kiong loo asked:


The best thing beside freebies are discounts.Most people would feel that discount means getting more for less.This may be the reason why most printer users choose to buy discount inkjet printer cartridges rather than spending insanely huge amounts of money on their branded counterparts.

Most people would feel that they get their money worth by doing so.However, do not go rushing into any store claiming to sell unbelievably cheap inkjet printer cartridges just yet, or you might risk falling blindly to ink-cartridge scams.Though there are a lot of stores on or offline that sell quality inkjet cartridges on discount,but beware as there are still a few rotten eggs out there.

Remember to check out the following before making a purchase for discount inkjet printer cartridges.

It is not easy to distinguish the legitimate dealers from the fraudulent ones, but there are tell-tale signs that could help us determine if we are indeed being duped:

If you can’t see them, then they aren’t real. Fake dealers usually do not offer offer any other way of communication other

than through their website. Check for valid addresses to which you can personally go to, or contact numbers which you can call up, in case problems arise with regards to the product.

Check also the payment modes offered by the dealer. Most printer supplies

(or I should say all legitimate dealers), including discount inkjet printer cartridges can be purchased through other means besides cash or checks. Now, one could conveniently pay using credit cards, or through PayPal. Since you’ll be divulging secure information through credit card purchases, you can be sure that the site is also secure, and thus legitimate. If your dealer restricts you to pay through cash or check only, you might want to think twice about purchasing anything from them.

Look for authenticity signs posted on their websites.This will help to prove that they are a reliable source of quality cheap inkjet printer cartridge and more.

Satisfaction, guaranteed.Make sure that the seller has return policy or some form of warranty on the discount inkjet printer cartridges and provide customer support services to assist you should any problems arise with the product. If they are not confident about their own products in as much as they refuse to take liability for possible problems, then they are definitely not worth your trust.Legitimate dealers always look after customer satisfaction.

All boxed up. Finally, check the box for security labels that is unique with each product. With an HP cartridge for example, one can be assured of its authenticity through the HP logo which appears black in any other angle, except when viewed face-on from which the logo appears in color.

Being assured of the authenticity of any discounted inkjet printer cartridge is not that hard. All we need is to look at everything with a keen eye and a critical attitude.

Read Here for updates on this topics.



cheap shades

Helen Hecker asked:


Contact lens sales are regulated by the FDA (Food and Drug Administration) and the FTC (Federal Trade Commission.) You’ll want to take simple precautions to make any discount lens purchase safe and effective. Among the many kinds of discount contact lenses you can buy are: novelty, colored, crazy, Halloween, special effects, theatrical, costume, scary, glow in the dark, wild eyes, mirrored, black, white, and red.

Always buy from a reputable company; you can buy discount contact lenses without a prescription, but the company is selling you a prescription device as if it were an over-the-counter device, in violation of FTC regulations - selling you lenses without having a prescription from you. The choice of which lens is right for you should be based only on an examination by your doctor or eye care professional, not over the phone.

Rigid lenses don’t absorb chemicals, unlike soft lenses which will soak up residue from your hands like soap or lotion. You can mark rigid lenses to show which lens is for which eye; they don’t rip or tear, so they’re easy to handle. Bifocal correction is possible with both soft and rigid lenses.

While the ability to hold water increases the oxygen permeability of soft lenses, it increases their fragility quotient as well. Rigid lenses generally give you more clear vision. There are also a few rigid gas permeable lenses that are designed and approved for overnight wear.

Soft lenses are easier to adjust and are much more comfortable than rigid lenses, because they conform to the eye and absorb and hold water. There are several types of lenses including: soft contact lenses, rigid gas permeable lenses, extended wear lenses and disposables. You can become adjusted to soft lenses within just a few days, compared to several weeks for rigid ones.

In some models, each lens corrects for near and distance vision and in others, one lens is for near vision, and the other is for distance. It’s important for your eyes to have a rest, without lenses, for at least one night following each scheduled removal.

Before you buy online, check to see if there are any testimonials at the online supplier’s website. Focus on value, not just the price; most people looking for the best price are really looking for the best value. Buy your contact lenses from a supplier you’re familiar with and know is reliable or who has name familiarity

Always buy from a reputable company; you can buy contact lenses without a prescription, but the company is selling you a prescription device as if it were an over-the-counter device violating FTC regulations by selling you contact lenses without having your prescription. Check out how long the online supplier has been in business before you buy. When you receive your order, if you think you’ve received an incorrect contact lens, check with your doctor or eye care professional right away; don’t accept any substitution unless your eye care professional approves it.

Rebates may be available from the seller, from the manufacturer, for first-time contact lens wearers and for individuals who buy lenses and get an eye exam. You can buy contact lenses from an eye doctor, on the Internet, from an optical store or a warehouse club. Compare prices - get quotes from two or three online and offline suppliers.

Heat disinfections is the only method effective against the microorganism Acanthamoeba keratitis, a common culprit for contact lens wearers, and it also kills organisms in and on the lens case. Always throw away disposable lenses after the recommended wearing period. Be aware that extended-wear (overnight) contact lenses - rigid or soft - increase the risk of corneal ulcers, which are infection-caused eruptions on the cornea that can lead to blindness; symptoms include vision changes, eye redness, eye discomfort or pain, and excessive tearing.

Under the binding down of a rigid contact lens during sleep, the flow of tears and oxygen to the cornea is reduced; lack of oxygen leaves the eye vulnerable to infection. One sight-threatening concern is the infection Acanthamoeba keratitis, which is caused by improper lens care; this difficult-to-treat parasitic infection’s symptoms are similar to those of corneal ulcers. To be sure your eyes remain healthy you shouldn’t order lenses with a prescription that’s expired or stock up on lenses right before the prescription is about to expire; it’s much safer to be re-checked by your eye doctor.

Laser surgery and its risks can be frightening and too expensive for some people; contacts can provide a safe, comfortable and time-tested alternative. If you’re planning to buy contact lenses at a discount, you should buy the best quality you can get, even at a higher price; you don’t want to skimp on quality when it comes to your eyes. If you prefer the way you look without glasses or find glasses to be cumbersome and awkward, contacts can provide the ease, convenience and comfort you need.



faux wood valances

Mohit Sharma asked:


You will get pleasure by shopping online for your father’s day from the items given below:

(1). Inalsa Room Heater-Cosy Pro

Features:

• Heater Selection Switch

• Cool/Warm/Hot Air Selection

• Adjustable Thermostat

• Overheat Protection

• Handle For Easy Carrying

• Power On Indicator

Technical Specifications:

• Voltage: 230 Volts. 50 Hz, AC

• Power: 2000W

• Warranty: 2 Year Seller Warranty

(2). Voltas Split Air Conditioner - 2.0 Ton Vertis Elite 3 Star

Features:

• 3 Star EER rating

• Auto restart function

• High-energy efficient rotary compressor

• Golden coloured panel for indoor unit

• Auto restart function

• High-efficiency curved heat exchanger

• Anti-rust powder coated outdoor unit

• Active carbon filter

• Trapeziform inner groove copper tube

(3). Havells Ventil-Air (Fresh Air Fans) Db - 230 Mm – Metal

Features:

Havells India Ltd, a billion-dollar-plus organization, and one the India’s largest & fastest growing electrical and power distribution equipment company is a name synonymous with excellence and expertise in the electrical industry. Havells owns some of the prestigious global brands like Crabtree, Sylvania, Concord, Luminance, Claude and Sylvania: Linolite, SLI Lighting & Zenith. Havells entered fan business in mid-2003 and has emerged as one of the fastest growing fan brands in the Indian Market

• Double Ball Bearing

• Heavy duty motor

• Suitable for kitchen applications

• Protective bird guard is provided

• Robust construction

• Technical Specifications: 230V, 50Hz, 40W Warranty: 1 Years Havells Warranty

(4). Fedders Lloyd 17 Lt. Solo Microwave Oven

Features:

• 700 Watts Solo Microwave Oven

• Push Button Door

• Defrost Setting

• Speed Cooking

• 5 Microwave Power Levels

• Easy to use Mechanical Controls

• With Timer Settings

(5). Usha Fashion Stitch

Features:

• Light weight with hard cover and carrying handle

• Built-in motor

• Free arm for circular stitching

• 36 Stitch functions

• Single touch reverse stitch

• Stretch stitch, Snap-on presser foot

• 3 dials for stitch length

• Stitch width and stitch patterns

• Four step button holing

• Easy to use for embroidery picot, blind stitch, over-edging, stretch stitch, etc.

• Sewing light

• Drop feed arrangement for embroidery

• 230v, 50Hz

Homeshop18 offers best geysers online with best discount.



cordless double cell shades

Helen Hecker asked:


With a contact lens prescription in hand, it’s possible to buy your contact lenses from stores, the Internet, over the phone, or by mail. There are 75 million contact lens wearers worldwide and 31 million in the U.S. alone. All correcting contact lenses must have a valid prescription from an ophthalmologist or optometrist.

The choice of which lens is right for you should be based only on an examination by your doctor or eye care professional, not over the phone. Contact lens sales are regulated by the FDA (Food and Drug Administration) and the FTC (Federal Trade Commission.)

The expiration date for your prescription is currently set by your state requiring a one-year or two-year renewal; if your state hasn’t set a minimum expiration date, government regulation sets a one-year date unless your eye doctor determines there’s a medical reason for less than one year. Extended wear lenses are usually soft contact lenses; made of flexible plastics that allow oxygen to pass through to the cornea. People who have good distance vision but need help for reading can get a monovision reading lens for one eye.

In some models, each lens corrects for near and distance vision and in others, one lens is for near vision, and the other is for distance. Soft lenses also come as disposable products, that is, used once and discarded, or as planned-replacement lenses. While the ability to hold water increases the oxygen permeability of soft lenses, it increases their fragility quotient as well.

Rigid gas permeable contact lenses are more durable, resistant to deposit buildup, and generally give a clearer, crisper vision. Although easier to handle and less likely to tear, rigid gas permeable lenses are not as comfortable initially as soft contacts and it may take a few weeks to get used to wearing the RGPs, compared to just a few days for soft contacts. If you plan to wear lenses for more than 18 hours for the purpose of eye color change, then buy colored soft lenses.

Bifocal correction is possible with both soft and rigid lenses. Rigid gas permeable lenses tend to be less expensive over the life of the lens since they last longer than soft lenses.

Rebates may be available from the seller, from the manufacturer, for first-time contact lens wearers and for individuals who buy lenses and get an eye exam. When you place your contact lens order, request the manufacturer’s written patient information for your contact lenses; it’ll give you important risk and benefit information as well as instructions for use. When you receive your order, if you think you’ve received an incorrect contact lens, check with your doctor or eye care professional right away; don’t accept any substitution unless your eye care professional approves it.

Check out how long the online supplier has been in business before you buy. Ask about prices at your doctor’s office when you have your eye examination, or during a follow-up visit after you get your prescription. Focus on value, not just the price; most people looking for the best price are really looking for the best value.

You can buy contact lenses from an eye doctor, on the Internet, from an optical store or a warehouse club. Buy your contact lenses from a supplier you’re familiar with and know is reliable or has name familiarity. When you place your order make sure your lenses are available and not out of stock, because you’ll need them now.

Don’t wear lenses any longer than they’re prescribed for, nor when sleeping unless you are otherwise directed. Basic rule: never swap your contact lenses with anyone else. When the eyes are open, tears carry adequate oxygen to the cornea to keep it healthy, but during sleep, the eye produces fewer tears, causing the cornea to swell.

One sight-threatening concern is the infection Acanthamoeba keratitis, which is caused by improper lens care; this difficult-to-treat parasitic infection’s symptoms are similar to those of corneal ulcers. Be aware that extended-wear (overnight) contact lenses - rigid or soft - increase the risk of corneal ulcers, which are infection-caused eruptions on the cornea that can lead to blindness; symptoms include vision changes, eye redness, eye discomfort or pain, and excessive tearing. The use of homemade saline made by using salt tablets mixed in water is one of the biggest contributors to Acanthamoeba keratitis in contact lens wearers: the FDA no longer condones the use of salt tablets.

If you lead an active lifestyle, contact lenses can provide you with close to natural vision. Make sure to visit a reputable eye doctor for a complete eye examination once a year, or more frequently if needed. If you prefer the way you look without glasses or find glasses to be cumbersome and awkward, contacts can provide the ease, convenience and comfort you need.



fauxwood blinds

Groshan Fabiola asked:


When you are looking for shades or blinds for your home, you are probably interested in finding something of high quality at competitive pricing. If you think that quality products come with a price tag to match, you should look for some online providers of these products, and see that quality and affordability do go together when it comes to shades and blinds. All you have to do is take some time and browse an online catalogue or two, check out their offerings, and you’ll probably be surprised to see that some of the discount blinds you’ll find there are top of the line products and very appealing to you.

Furthermore, you’ll find that name brand shades, blinds and window treatments such as Hunter Douglas’ are custom made, to fit your windows perfectly, while following the highest quality standards.

The days of the roller are long gone now. Retailers now provide you with an extensive selection of shades for your windows, for instance Hunter Douglas Applause and Duette honeycomb shades or Brilliance Pleated shades, Provenance woven wood blinds, Remembrance Window shades, and many more.

As far as the blinds are concerned, retailers provide you with a wide choice of styles. Blinds can be horizontal or vertical, and they come in a variety of materials, colors, textures and styles. Hunter Douglas blinds have innovative features that make them stand out before any other brand. Whether you choose Hunter Douglas vertical blinds, or the horizontal aluminum Hunter Douglas blinds, it all comes down to a question of choice. It’s up to you to decide which of these you like best, and which would be most appropriate with the atmosphere in your home, because when it comes to quality, you can rest assured that all Hunter Douglas blinds are products of top notch quality.

Hunter Douglas Blinds and shades are now available with special features, such as the hidden control system, allowing you to lower and raise your blinds without any cords, but with a simple touch of your finger; the de-Light feature, which prevents up to 99% of the visual light from coming into your home and eliminates the traditional route holes. The Hunter Douglas wood blinds come in a great variety of colors and Woodtones and can be with a lift cord or cordless, for maximum child safety. The De-Light feature is available with these blinds as well, and you can be certain that they are a lot more durable than the standard wood blinds, easy to clean and resistant to common cleaning solvents in the household, as well as very resistant to scratches thanks to their TopShied finish.

If you are looking for quality blinds at competitive pricing, you will probably be happy to hear that there are many discount blinds that you can choose from, and you can find great savings when buying Hunter Douglas blinds online.

You needn’t worry about ordering online either, because most online dealers have secure websites and accept all major credit cards, PayPal etc. Moreover, all products up to 90 inches come with free shipping, and you receive a limited lifetime warranty for any product that you purchase online.

For more resources about discount blinds or even about hunter douglas blinds please review http://www.aceofshadeswc.com



honeycomb cellular shades

Bertil Hjert asked:


Discount vitamins are the ones that one can easily purchase for everyday consumption. Several studies are conducted regularly to make sure that people stay healthier.

These days, people are provided enough information about nutrients supplements and vitamins, in conjunction with their specific effect on health.

If you really want discount vitamins to benefit your health, you must know the difference between water and fat-soluble vitamins, the function of different vitamins on our bodies, the sources of these vitamins and the reasons one may not be getting adequate vitamins.

First, most people are not aware of the difference between water-soluble vitamins and fat-soluble vitamins. One needs to replenish water-soluble vitamins such as A, D, E and K are stored in the fatty tissue and liver of the body. Consuming excess fat soluble vitamins can cause them to get stored in the body and result in toxic in case the body is unable to eliminate them in the same pace they are consumed.

Remember that all vitamins are important for good health. The deficiency of any of these vitamins will result in major health problems. You should know the amount of vitamins a body requires prior to going for a supplement program. You should also know the function of each vitamin on our bodies.

Here is information on all the topics mentioned above.

a) Vitamin A

This vitamin is important to undertake several functions in the body. It provides good eyesight, bone development, tooth development and cell division. It helps in maintaining the moisture in the skin, eyes and other mucous membranes. You can get this vitamin from fruits and vegetables, especially if they are yellow or orange in color, green or leafy.

One must not get more than 3,000 micrograms of vitamin on a daily basis according to USDA. Deficiency of this vitamin will result in night blindness, impaired vision, digestive problems or skin problems.

b) Vitamin B

It is a water soluble vitamin. Hence, there is no need to worry about toxic levels of these vitamins. However, you need to replace the vitamin to the body on a regular basis. This vitamin is actually a group of eight vitamins. These vitamins are important for healthy skin, increased metabolism, good muscle tone, stronger immune and nervous systems. It also reduces stress and depression. You can find the vitamin in fish, seafood, yellow fruit, green leafy vegetables, milk and brown rice.

c) Vitamin C

This vitamin is known as ascorbic acid. It is extremely essential for maintenance of normal connective tissue and the formation of collagen. It also increases the absorption of iron in the diet. You can find this vitamin in abundance in berries and raw vegetables.

d) Vitamin D

This is a fat soluble vitamin and essential for development of healthy bones and teeth. Best and common sources of this vitamin are sunlight and fortified milk. You can also get this vitamin from fish oils and eggs.

e) Vitamin E

You can find this vitamin in vegetable oil, whole grains, green leafy vegetables, nuts and egg yolk. It reduces the effects of oxidation to the cells and organs and cells. Daily dose of this vitamin can help in maintaining younger looking appearance. It also reduces aging of the internal systems of the body.



room darkening single cell shades

David Brooks asked:


Everyone wants to save money, thus the popularity of retail stores like Wal Mart, Price Club and Home Depot. Their prices are pretty good but sometimes their selections aren’t. And, try to get the help you need. Most small brick and mortar retailers offer better service but have to charge more due to simple economies of scale. But internet retailers can also offer lower prices due to much lower overhead and special price agreements with manufacturers and vendors as well as a greater selection and expert assistance. This is true within the window treatments, blinds and shades segment but seems to be less well known as other consumer product types. If you are willing to use the internet to source these needs you can get the help you need, the selection you want and save money.

To be fair, I’ll enumerate the primary downsides to purchasing window blinds and shades online:

First, you have to know how to measure your windows. Just about anyone can do this, so it’s a minor obstacle.

Second, once you receive your blinds, you will need to install them. This can be a little daunting. I have found that installing blinds and shades is easier then one would assume but it is work. But, the truth is, no matter where you purchase window blinds this would be an issue and either you do it yourself and save money or pay someone to install them. Most online retailers offer a service whereby they will put you in touch with a local installer but, of course, it isn’t free. Reaping the full benefits of purchasing blinds online will require a little sweat equity.

Additionally, you will need to know if you want the blinds to fit within the window sill (inside mount) or on the outside (outside mount). You will also need to know what you want. That can be harder than it seems. I, for one, am not an interior decorator and there are so many window treatment options these days. It can be overwhelming. You need to narrow down your choices into basic groups: blinds, shades or shutters. From there you will need to decide slat or louver size, materials (wood, aluminum, faux wood, etc.) and then colors or stains. This is where it is nice to get expert assistance; someone who can walk you through the selections and highlight the benefits and liabilities of the various products.

Last but not least, due to the fact that blinds purchased online are a custom order they cannot be returned unless they are defective in some way. This is true for any custom order whether or not you buy from a traditional retailer or an online retailer. So just make sure you like the color and make sure you get the measurements correct.

I have already eluded to the positives attributes of purchasing window blinds online, namely, a greater selection, expert assistance and lower prices. An additional benefit is that you will often get your order more quickly then if you buy from a brick and mortar establishment. The cost savings between a traditional retailer like Home Depot and an online retailer may only be 10%. But, with the other assets included (service & selection) and shorter wait times, the decision is an easy one.

If you really want to amp-up the cost savings consider purchasing an online retailer’s signature line of blinds, shades or shutters. They are made by the same major manufacturers just without the label. They are made from the same materials and have the same warranties.



faux blinds

Kristin Abouelata - Home Loans asked:


Buying a home is a confusing process, and one of the most confusing prospects is settling on an interest rate.  Even when you decide what type of loan you want, you find you still have options as to what rate to lock.  Some of these options stem from whether or not you buy down the rate by paying a point.  A point is a fee that equals 1% of the loan amount.  For instance, if you are buying a $100,000 home, and your note amount is $97,000 (because you’re putting $3000 down), a point would cost you $970.

 

You can see the points you are being charged on line and 802 of your Good Faith Estimate, and later, on the same line on your HUD-1.  This line item reflects fees known as  “discount points”, but they truly aren’t interchangeable with origination fees (line 801) even if they sometimes serve the same purpose.  If you choose to pay a discount point, you should  expect a lower rate than if you didn’t.  So, if you’re quoted a rate of 6% 0 + 1, you are paying 1 discount point. If the quote is 6% 1+0, you’re paying an origination fee.  And 6% 0+0?  You’re paying no fees in either form.

 

What’s the difference between an origination fee and a discount point?  Well a few things.  Technically, an origination fee is what you pay the lender or the organization that takes the initial application and processes the loan.  A discount point is specifically paid to the lender to buy down or permanently lower the interest rate, and it’s usually a percentage of the loan amount.  You can also pay additional points to buy down your rate, not just a flat 1%.  You can pay a .5% or 2%.  It just has to make good economical sense for you.  And it shouldn’t be robbing you blind.

 

From a tax standpoint, there isn’t much difference.  An origination fee is generally tax deductible as long as it’s charged in the form of a “point” or percentage of the loan amount. However, you may ask your lender to charge you a discount point versus an origination fee to keep things neat and simple. Sometimes mortgage lenders charge you an origination fee when technically they should be charging you a discount point.  But they’re collecting all the fees anyway and happen to be giving you a lower rate.  It really matters most if you are working with a mortgage broker. Mortgage brokers can’t be paid discount points, only origination fees or broker fees. They can collect discount points to lower your rate, but  the discount point has to be paid to the mortgage lender with whom they’re doing business. And, this information should be disclosed properly on your Good Faith Estimate

 

 

A typical trade off is that a 1% discount point equals about .25% reduction in interest rate.  You should be able to easily decipher whether or not it’s worth it to buy your rate down.  How long do you plan to be in the home?  If not that long, then maybe you should think about a 0+0 quote.  If it’s your forever home, then dipping into your wallet and footing higher closing costs might be worth it in the long run.

 

However, if you look at your Good Faith Estimate and it seems you’re paying too much in origination fees and/or discount points, then you probably are.  Say something to your lender.  And if he doesn’t budge, you may want to look elsewhere.  Go with your gut instinct or call another reputable lender and get a second opinion.



honey comb cell shades