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    • Rick

      Members Only Fluid Forum View   08/08/2017

      Fluid forum view allows members only to get right to the meat of this community; the topics. You can toggle between your preferred forum view just below to the left on the main forum entrance. You will see three icons. Try them out and see what you prefer.   Fluid view allows you, if you are a signed up member, to see the newest topic posts in either all forums (select none or all) or in just your favorite forums (select the ones you want to see when you come to Fishing Minnesota). It keeps and in real time with respect to Topic posts and lets YOU SELECT YOUR FAVORITE FORUMS. It can make things fun and easy. This is especially true for less experienced visitors raised on social media. If you, as a members want more specific topics, you can even select a single forum to view. Let us take a look at fluid view in action. We will then break it down and explain how it works in more detail.   The video shows the topic list and the forum filter box. As you can see, it is easy to change the topic list by changing the selected forums. This view replaces the traditional list of categories and forums.   Of course, members only can change the view to better suit your way of browsing.   You will notice a “grid” option. We have moved the grid forum theme setting into the main forum settings. This makes it an option for members only to choose. This screenshot also shows the removal of the forum breadcrumb in fluid view mode. Fluid view remembers your last forum selection so you don’t lose your place when you go back to the listing. The benefit of this feature is easy to see. It removes a potential barrier of entry for members only. It puts the spotlight on topics themselves, and not the hierarchical forum structure. You as a member will enjoy viewing many forums at once and switching between them without leaving the page. We hope that fluid view, the new functionality is an asset that you enjoy .
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fisherdog19

Mortgage Industry Update

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Well, I'm sure all of you have read about all the turmoil and problems being cause by the mortgage crisis, but there is still plenty of money out there to lend. Don't let a bunch of bad apples ruin it for us good guys; as a division of a chartered bank that is over 100 years old, we are still running strong and lending money. Since we are not a mortgage broker, we have not felt the pinch as bad because we are so highly regulated. My company has never dealt in the subprime or ARM products much, unless a client specifically asked for an ARM. You can rest assured that you will get what you ask for and are told I can offer you.

Rates are still low and under 6% so if you are looking to purchase or have an arm coming due and need to refinance, please give me a shot. I have plenty of FM members that will tell you that I do business in an ethical, fast, and courteous manner with low rates and fees. If any of you have any questions, please don't hesitate to contact me. We are licensed in 49 states and offer FHA, VA, USDA, and Conventional loan products.

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They are a hair under 6%, depending on how big your loan is, you would need at least a .5% decrease in your rate for it to be worth it. Typically we like to see that the closing costs are made up in 48 months or less which is all relative to how much money you save per month which in turn is dependant on the loan amount.

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