Thursday, September 12, 2019

Loan Refinance and when it's a bad idea

Earlier in the summer I started getting calls from our mortgage regarding loan refinance.  We hadn't even had our loan for a year yet!  I grew suspicious when they tried to increase the pressure, and they kept calling at weird hours, or when I was on a business call, so after 7 or 8 missed calls they finally stopped pestering me.  Curious though, I contacted the mortgage broker so set up our original loan, which differs from our actual loan company.  I trust this guy as he's always been straight forward with us.  We started by saying we want to sell in 2-3 years.  He immediately said have a nice day!  He said it was useless to continue because we'd spend more by adding 4K to the back end of our loan and the $100 or $150 savings per month on loan rate reduction would not pan out. 

I've learned this in business - ask questions, especially when you don't understand something and if someone won't answer the questions find someone who will.  The lady from my loan company wanted to make it sound like we needed this, when in the end, we didn't.  I'm glad I never returned her calls! 


Wednesday, September 04, 2019

Chocolate Chip Scones

Or I should say Chocolate Bit Scones, because I put the chips in a food process and blend them to tiny bits!

Recipe:
  • 3 cups self-rising flour
  • 1/2 cup brown sugar
  • 1 teaspoon cinnamon
  • 1/2 cup non-salted butter
  • 1 egg
  • 1 cup buttermilk
  • 1 t vanilla
  • 1 cup semi-sweet chocolate chips

Use a food processor to chop the chocolate chips until they are tiny (or buy mini chocolate chips). Next, put one cup of flour into the same food processor with butter and pulse until combined.  I then move the mixture into a Kitchen Aid mixer and add remaining dry ingredients.  

Mix egg, vanilla, and buttermilk in a 1 cup container and add to the dry ingredients.

Add all ingredients together and mix on high until well blended.  It will be very thick, you may need to dig the mixture off the whip and then continue mixing to get everything blended.

On a floured surface, roll the dough 3/4" - 1" thick.  I used a 1.5" circle cutter for each scone.  I continue rolling until all dough is used up; there is no such thing as wasted dough in this house.  The last scone is usually hand balled and flattened into a scone patty, much like you would make a hamburger.

Place the cut scones onto a cookie sheet and bake for 14 minutes at 325.    Recipe makes around 18 scones.

Enjoy!