Mortgage Refinancing Help: Domestic Services

“Stick with a simple loan. It is easier to understand and less likely to get you into trouble. Adjustable-rate mortgages may seem like a way to get a bigger house now or to keep more money now, but when the rates adjust you can get into trouble. Avoid anything with a balloon payment. Just choose a simple 30-year mortgage you can easily afford.”

Don't escrow taxes and insurance. Unless you're undisciplined, avoid putting monies in escrow to cover your property taxes and homeowner's insurance. There's usually a fee for this privilege that runs under 1 percent of the loan amount, in states where it's allowed. "Paying the fee will allow you to time your tax and insurance payments to your benefit," says Bank South's Steve Austin. For instance, you may be able to prepay taxes that are due next year and use those payments to reduce your current tax bill. Moreover, you get to hang onto your money longer. That may be an advantage when interest-bearing accounts start paying more.

See also:

• Business: Accounting: Household Employment (3)
• Business: Employment: Recruitment and Staffing: Staffing Services (27)

Sitters.com » Find local babysitters, nannies, pet sitters, tutors or senior care providers.

Heartland Caregivers Inc. » National domestic staff placement services of professional well-screened live-in and estate employees

Robin Kellner Agency » Household staffing including butlers, estate managers, chefs, housekeepers, nannies, social secretaries, and gardeners.

Regal Domestics Incorporated » Nationwide domestic staff placement service.

Precise Home Management » Listings of qualified butlers, chefs, estate managers, housekeepers, cooks and valets.

Not Just Nannies » Placing live-out Canadian childcare providers, as well as live-out house keepers, house hold managers, and personal assistants in Vancouver and surrounding areas. British Columbia, Canada.

Georgia's Dream Nannies, Inc. » A full service nanny, housekeeper and household manager placement agency. Includes FAQ, tips and testimonials. Woodstock, Georgia.

S'il Vous Plait » Specializes in domestic help, including nannies, baby-nurses, personal assistants, and chefs. Los Angeles, California.

Greycoat Placements » Domestic recruitment consultants for housekeepers, butlers, nannies, chauffeurs, and other household staff.

Handymanweb » A meeting point for individuals who want to offer their services, and others that need to have a job done. For handymen, baby sitters, cleaning ladies, and pet-care.

The Sitting Service » Providing babysitting, petsitting and housesitting services to families in Fairfield Co., CT.

Care Givers on Call » Provides in-home child babysitting and companion care on short notice.

International Guild of Professional Butlers » Promotes the interests and reputation of the butling profession. Advisory service to members, employers and the public on matters related to private service in the home.

Hampton Domestics » Domestic placement agency primarily serving New York, Palm Beach, and The Hamptons, but also occasionally placing worldwide.

Distinguished Domestic Services » An executive-level international domestic employment agency representing estate managers, house managers, personal assistants, chefs, chauffeurs, and security.

Jann Green Agency » Placement of experienced domestic staff, nannies, maternity nurses and private PAs into homes throughout the United Kingdom and overseas.

landysforgifts.com » Will shop for, wrap, and ship gifts for all occasions. Also offers custom crochet creations.

Domestic Placement Network » Agency for domestic staffing including personal assistants, chefs, chauffeurs, estate managers and butlers in the USA.

JMCW » Babysitting, dogwalking, and plant caretaking professionals available to Waukee, Iowa residents.

Domestic Staffing Resources » Jobs available for nanny, housekeeper, maid, elder care companion. Information on finding domestic personnel and the employment taxes.