1/09/2015

Home Made Bath Fizzie Recipe



lovely soaking tub
Home made bath salt steamer simple cheap and easy
Here is the recipe (recipes)

Rubber ice cube tray works best
Mine I bought in the dollar rack at Target or Daiso
Old cookie sheet
one box  baking soda (1 LB baking soda = sodium bicarbonate)
1 tablespoon corn starch
fresh herbs 20 leaves
1/2 cup water

Choice of oils see #1 #2 or #3

Mix dry ingredients in a bowl
break up any lumps with your fingers

In a small pot boil some fresh mint or rosemary (whatever
herb you have growing and enjoy with about 1/2 cup water
Allow the water to cool and toss the plant material
Rosemary awakens vitality, mint makes happy
keep the green water aside for the end


For the smell you have a couple choices:
#1 the easy cold and cough remedy
Vick's Vapor Rub a tablespoon the
eucalyptus is great for cold or sinus
congestion
Camphor is a cough suppressant and analgesic
menthol is also a cough suppressant and analgesic
Vick's Vapor Rub has petroleum that's a little messy
Blend slowly into the baking soda mix

OR #2 you can make your own cough and cold mix:
1/8 cup coconut oil
10 drops of Eucalyptus Oil
10 drops of Peppermint oil
5 drops of Rosemary oil
Blend slowly into the baking soda mix

Or #3 for a relaxing soothing shower:
1/8 cup coconut oil
10 drops lavender oil or
15 drops of Kneipp lavender bath oil
2 drops of rose oil

I prefer to use organic -
Mountain Rose also has great products

You are mixing one of the three batches
of oils into the dry mix with your fingers

Add drops of the mint water (you may
only need 2 tablespoons it depends on
how humid it is.

The paste should be sticky
It is thick like pastry dough

Press tightly into the ice cube trays
(you can also use tiny cupcake tins
or roll in a ball)

the rubber ice cube trays work well
because you can press out the shapes

If any are messy just push them back
into the ice cube trays and do them over

Place shapes on old cookie tray

Put in oven set to 200 degrees for
five minutes
Turn off heat, let them cool and
dry in the oven

Place in recycled jars (clean jelly
jar, clean olive jar)

Keep lid off to dry thoroughly
for a day. Then close the lid

Paint the lids with nail polish to
label or add a paper note

The shower steamers can be
placed anywhere in the shower.
They melt and the aromatherapy
opens your sinus and makes you
oh so happy.

I decorate mine with a few
dried flowers on the ribbon
for gifts

Prep time: 5 minutes
Nutrition: not edible I have a friend I gave menthol ones to when he had a cold
and he didn't read the instructions and thought they were cookies. EEEWW ucky

Author: Caroline Gerardo
Category: Bath Soaking Herbs

the steamer can be put in the corner of the shower where hot water will hit it

bath relaxation

ice cube molds for my heart love bath steamers
Analgesic, antibacterial, anti-inflammatory, antimicrobial, antiseptic, antispasmodic, aromatic, carminative, cholagogue, deodorant, , insecticide, sedative,
natural oils, relaxing bath, amazing home made, cheap
Baking soda is a natural cleanser for the shower floor.
You may find the oil a bit slippery, you can wipe the floor dry with an
microfiber towel. The multi surface towels plus the steamers will keep the
shower floor clean.
Olde Timey cure for congestion and common cold

these "molds" are from tuna cans- wash them extra thoroughly 

SAVE money FHA CHEAP MIP and rate



Beach Cottage
SURF's up for FHA refinance


U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
WASHINGTON, DC 20410-8000
ASSISTANT SECRETARY FOR HOUSING FEDERAL
HOUSING COMMISSIONER annouced today cheaper MIP premiums coupled with lower
interest rates can save you on your monthly payments

January 9, 2015
To: All Approved Mortgagees 
GREAT GOOD NEWS ABOUT 
FHA MIP REDUCTION

Reduction of Federal Housing Administration (FHA) annual Mortgage
Insurance Premium (MIP) rates and Temporary Case Cancellation Authority

This Mortgagee Letter (ML) communicates lower annual MIP rates for FHA
Title II forward mortgages and provides opportunity for cancellation of
existing case numbers in order to utilize the MIP rates contained in the ML.

Background Pursuant to its statutory mandate, FHA continuously strives to achieve the
appropriate balance between meeting the housing needs of the borrowers
FHA’s mortgage insurance programs were created to serve and minimizing
the level of risk undertaken relative to the insurance of those mortgages.
FHA has determined that the appropriate balance of its statutory operational
goals now requires a reduction of the rate of annual MIP charged pursuant to
Section 203(c)(2)(B) of the National Housing Act (NHA). As provided in
this ML, the total annual MIP charged pursuant to sections 203(c)(2)(B) and
(C) for most Title II Single Family forward mortgages has been revised as
provided in this ML.
Effective Date This ML is effective for case numbers assigned on or after January 26,
2015.Affected Topic This ML reduces the rate for annual MIP for all Title II forward mortgages,
with terms greater than 15 years, except;
single family forward streamline refinance transactions that are
refinancing existing FHA loans that were endorsed on or before May
31, 2009; (before the rates were lower)
Section 247 mortgages (Hawaiian Homelands)
This ML supersedes the annual MIP rates established in ML 2013-4. All
other sections of ML 2013-4 remain in effect.
STREAMLINE FHA REFINANCE 
IF YOUR LOAN WAS CLOSED 
AFTER May 31 2009
INTEREST RATES ARE LOWER 
AND MIP  REFUND/ lower premium
Call to see if you can 
take advantage of this today 
(949) 784-9699
______________________________________________________________

The following table shows the existing and the new annual MIP rates by
amortization term, base loan amount and Loan to Value (LTV) ratio. All
New MIP amounts set forth in this table are effective for case numbers
assigned on or after January 26, 2015.
Term > 15 Years
Base Loan Amt. LTV Previous MIP New MIP
≤ $625,500 ≤ 95.00% 130 bps 80 bps
≤ $625,500 > 95.00% 135 bps 85 bps
> $625,500 ≤ 95.00% 150 bps 100 bps
> $625,500 > 95.00% 155 bps 105 bps
Term ≤ 15 Years
≤ $625,500 ≤ 90.00% 45 bps 45 bps
≤ $625,500 > 90.00% 70 bps 70 bps
> $625,500 ≤ 90.00% 70 bps 70 bps
> $625,500 > 90.00% 95 bps 95 bps
Case

CALL NOW to refinance and save money (949) 784-9699
rates can touch the 3%' s now if your FICO is high
APR 3.99 for conforming FHA with middle FICO of 700
Take advantage of this drop now with cheap rates and
lower MIP

 http://eaglehomemortgage.com/carolinegerardo/ 

Cancellation
To allow mortgagees to obtain the reduced annual MIP rates contained in this
ML for loans in process with active FHA Case Numbers ie: loans not funded, 
FHA will temporarily approve cancellation requests for active FHA Case Numbers
within 30 days of the effective date of this ML.
FHA will provide operational details on case cancellations through FHA Info
notifications and on FHA’s lender information page available at

www.hud.gov/lenders.



1/06/2015

Mortgage Rates Dip!

It has been a while since we talked
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Mortgage rates have dipped! I am here to save you money, let's plan for 2015. Call me any time.
 
 
 
 
 
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Caroline Gerardo
Senior Loan Officer
NMLS #324982
Cell 949-637-8190
Office 949-784-9699
CarolineGerardo@eaglehm.com
www.eaglehomemortgage.com/carolinegerardo
Committed to Seeing You Home.
Eagle Home Mortgage
8105 Irvine Center Drive Suite #500
Irvine CA 92618
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NMLS #849059 CA #813I609 Universal American Mortgage Company of California, dba Eagle Home Mortgage of California. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. RMLA #4130383, NMLS #252392. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify.
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12/18/2014

Luxury Rental Mortgage?

Investor Loans 





Non Owner Occupied for Single Family or Duplex

Loan Amount up to One Million Dollars

Up to ten total properties owned 

Must Qualify with Federal Income Taxes

35% Cash Down Payment
Terms and Conditions apply 
Call to see if you Qualify
30 Year Fixed Rate 
Low Rates, FICO driven pricing

Buy luxury property, buy beach
rentals and finance them Thirty Year
Fixed Rates 
C. G.
(949) 784-9699