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Hinerfeld-Ward.com | Where building piece of mind comes free.

The Black E-Cig: Why Every Smoker Needs One

Want to be covert and stealth when vaping? Then you want a black electronic cigarette that blends into the night…

Except for the glowing LED tip that is. Let’s face it, black is cool and elegant and most people who vape on e cigarettes have a few colors and black is one of them.

Most use a black ecig during the day because it looks out of place on purpose and you won’t have to worry about being harassed by people or security guards thinking you are smoking a real cigarette.

Think of how good you will look in your new kitchen with those black granite counter-tops in conjunction with you taking a hit off your new black e-cigarette.

It’s become part of fashion now, just like home design is a part of your taste – so is how you present yourself and that includes your vaping device of choice as it is an extension of who you are, just like a wristwatch or bracelet.


Posted in Vaping | Tagged as: , , , , , , ,

This Is Why E Cigarettes Woke Me Up

wake upThe other day I went to visit a job and saw a few of the fellas vaping on those ecigs. Of course the curiosity got he best of me and wanted to know more so they directed me to this e cig reviews webpage to further my knowledge of which brands are best and why with real reviews.

Not looking for anything fancy like those big contraptions with the tanks, just want something that looks and tastes like a real smoke.

One of the guys was using one that looked like a real cig but was black and lit up red, thought that was rather neat. He said it was a “Cigavette”, at first I did not catch the v in that word and thought he meant cigarette. Took a few banters of conversation to get the point across and a language barrier on top of that.

When I strolled back home went ahead and did a search and found their version of the best e cig which is ironic, cause it was from the same place the other dude mentioned. To my surprise that brand had a few models of electronic cigarettes to choose from plus a Cuvana e cigar which I immediately thought I had to have.

Long story short, started carrying around my new e-cigs and just love them, the tobacco taste is clean and the nicotine hit is there, but still miss the heaviness of the smoke filling my lungs – guess I’ll just have to get used to it as it’s not that bad.

Posted in Smokes | Tagged as: , , , , , , , ,

Who Has The Best Home Mortgage Rates?



You have spent all night and the early part of this morning trying to find the best home mortgage rates while arguing with your spouse (most likely) on whether to go with this company or that company, etc… Are we right?

There is a lot of info out there in the inter-webs, most of which contradict each other. So we’ll cut tot he chase here, here are the best refinance rates period. There, no more looking around, no more flashing ads giving you a headache, no more fussing.

Just go there and find out who has the lowest refinance rates, contact them, and let them outbid each other. That’s really all there is to it.  Of course we have dealt with a few other sites that are just as good, but they all provide about the same kinds of info.

But hey, since it’s free, why not compare them all? Once you provide the company with more info on you including your credit score, etc. you can then drill it down accordingly. The good news is that these lending institutions are easing up on credit scores and loosing their belt a bit. It’s also a good idea to compare home insurance as this can help lower your overall mortgage rates as well.

I mean really, who has excellent personal credit these days? No one I know… If you own a business, it could be better to go through that as lending and loans are much easier to get. Buy a home, spruce it up, and flip it!  If the idiots on TV can do it, so can you.

Posted in Refinance | Tagged as: , , , , , , , , ,

A Word About Mortgage Rates and Loans

buying, selling with a mortgage


Buying a home can be for several different reasons. (investing)

  1. a place to live
  2. an investment property
  3. a rental property
  4. buy and sell (aka flipping)

Those are just a few, but they all have one thing in common and that is mortgage!  Unless a person can pay cash (which is unlikely for the majority) they are going to need the upfront loan aka- mortgage.  The person looking to buy and live in the home will seek out the standard and compare 30 yr mortgage rates of multiple companies – if the are smart.

The veteran house flipper is looking to renovate and sell that home in 30 days and not pay a cent on that mortgage loan or else money is flowing in the wrong direction.

An investor and a buyer have one thing in common, they want the lowest mortgage rates possible.  Even for a rental as a mortgage with a higher interest rate is just eating into the monthly profits and cash flow.  No matter what the situation, most likely there is going to be the need or desire for renovations to fit a persons personal taste as well as what the home seekers are looking for so you can make a quick sale.  ;)

Note: if you are a house “flipper” then make sure your workers are covered from on the job accidents and sickness, provide them the proper health insurance for more piece of mind, it’s cheaper than a lawsuit. Go to this website and browse heath insurance quotes right away and protect yourself as well as your workers.  Besides, it may help you qualify for a lower mortgage rate if you show your company is solid with insurance.

Posted in Mortgage | Tagged as: , , , , , ,

Ultra Modern Architecture Homes Sell Fast

If you are looking for a new home or thinking of selling yours than take a look around you and see what the possibility’s are.

As you can see from the video above (picked at random from youtube for illustration purposes) this “style” of home is what most people are looking for. Even if you home seems tired and old, just adding a few upgrades like granite counter-tops, hardwood flooring, and modern lighting can add tremendous value to your home.

Also keep that in mind if you are looking into buying a new home, as the ones with modern upgrades will have a higher price. And believe me, these sell fast! Not too uncommon to get into a bidding war with more that one party on these types of homes in great neighborhoods.

When you buy a house turn-key like this, it saves you the trouble and headache of planning renovations that cause noise and inconvenience for you and your family – not to mention your new neighbors.

Living in a nice home is priceless. Even if the upgrades do not seem affordable right now, look into refinancing your mortgage as the rates are super low right now so you can use that extra money to get all the things you want done inside your home. Grab a quick online payday loan to help get things moving if need be.

So many possibilities out there, just go ahead and browse around.

Posted in New Homes | Tagged as: , , ,