Constant Stuffy Nose

This is why your nose always feels dry and sore and it seems to be worse in the morning after a night of breathing in the dry air. The bigger your turbinates are the more room they take up and the easier it is for just a little bit of swelling to cause them to partially block your airways.

Why Do I Get Congested At Night

Your chances of developing nasal polyps increases when you have prolonged irritation and inflammation in your nasal passages or sinuses from allergies or infections.

Constant stuffy nose. People can wake up with a stuffy nose for various reasons. The lack of moisture in the air will dry out your nose with every breath. Along with the flu this is the time of year for sinus infections with their make-you-miserable stuffy runny noses and blocked ears.

Nasal congestion most commonly is the result of inflammation and swelling of the lining tissues of the nasal passages and sinuses. For children with nasal allergies harmless substances like pollen and pet dander kick off an inflammatory immune response that makes the body behave like it has a constant mild cold. A stuffy or runny nose sinus pain mucus buildup swollen nasal tissue.

And there are plenty of reasons thats the case from a sinus infection to a deviated septum to a common cold. The jobs of the nasal turbinate are to warm humidify and clean the air you inhale before sending it to the lungs. A stuffy noseaka congestion or runny nose is classified as a symptom of the coronavirus according to the Centers for Disease Control and Prevention but its not necessarily.

Blocked or stuffy nose that you cannot clear. Similar to adults when we get a cold often times the first sign is excessive sneezing and runny nose. When your nose gets stuffy from a cold for instance the turbinates swell and can fill up most of the rest of the room inside your nose.

The most common cause of a stuffy nose is inflammation of nasal turbinates. Nasal congestion is marked by. Feeling that your throat is blocked.

If your nighttime stuffiness is from colds or the flu When youre sick the blood vessels in your nose open up more than usual and decongestants constrict them explains Crystal Zhou PharmD. Feeling of mucus running down the back of your throat. Because humidity levels drop outrageously low which is what causes your stuffy nose.

Infections such as colds flu or sinusitis and allergies are frequent causes of nasal congestion and runny nose. Most sinus infections are caused by viruses but bacteria can also be to blame according to Dr. Its this inflammation of the lining of your nose that produces the telltale stuffiness sensation of chronic nasal congestion.

Jessica read more about. If your baby is having stuffiness from a cold then it is more common than not that the nose will be running with clear stuff. When something like pollen enters your nose it can stimulate irritation.

It can also be triggered by food medications and changes in hormones. If your nose is stuffy its likely caused by either allergic rhinitis or chronic rhinosinusitis. Even stress can cause congestion.

The nasal turbinates are located on the inside walls of your nasal cavity these small bones resemble a shelf and are covered in mucous membranes. Reduced sense of smell and taste. For example the common cold allergies and pregnancy can all cause a person to wake up with a.

If you know you suffer from allergies and have a difficult time managing them you may consider allergy shots. Conditions that may be linked to nasal polyps are asthma cystic fibrosis vitamin D deficiency allergic fungal sinusitis and. The sensation of a blocked-up nose can be caused by two things.

Constant need to clear your throat. In contrast the term runny nose refers to a discharge fluid coming from the nasal passages. Headache or facial pain.

This condition is called nonallergic rhinitis or vasomotor rhinitis. Everyone gets the occasional stuffy or runny nose. Nasal congestion or stuffy nose is a term that refers to the obstruction to the flow of air in and out of the nose.

Nasal allergies are the most common cause of stuffy noses. Catarrh can lead to a. Some people are born with big turbinates.

Viral infections RSV Respiratory syncytial virus adenovirus rhinovirus influenza etc. Some of the most common causes of a constant clear runny nose include allergies infections and nasal polyps. Sometimes a congested and runny nose can be caused by irritants such as tobacco smoke and car exhaust.

Determining the appropriate diagnosis is essential to starting the correct treatment.

China Virus In Us

In jüngster Zeit haben einige Leute in den Vereinigten Staaten absichtlich das neuartige Corona-Virus als chinesisches Virus bezeichnet und China. Es seien insgesamt 2468 Millionen Dosen verimpft worden berichtet die Seuchenbehörde.

China Coronavirus Spread Is Accelerating Xi Jinping Warns Bbc News

China has covered up the extent of the countrys coronavirus outbreak US intelligence officials conclude in.

China virus in us. Appeared to succumb to pressure from Beijing and softened criticism of China in a report on disinformation about the coronavirus pandemic. Donald Trumps Rhetorik des China-Virus zeigt auch nach dem Ende seiner Amtszeit noch eine fatale Wirkung. Wang accused Washington of spreading lies and conspiracy theories.

China gibt USA die Schuld am Ausbruch des Coronavirus Wie Desinformation in Zeiten von Corona funktioniert US-Militärs könnten das Coronavirus nach. Die Rede ist vom SFTS-Virus das auch als Huaiyangshan Banyangvirus bezeichnet wird. The newly discovered virus has infected about 440 people all of whom had been in China and killed nine.

He was reacting to Washingtons accusations that China was responsible for the global spread of the coronavirus pandemic. In den USA inzwischen 1055 Millionen Menschen komplett geimpft und damit fast ein Drittel der Bevölkerung. Sieben Menschen seien bislang gestorben 67 sollen infiziert sein berichtet etwa die chinesische Global Times.

Im Januar 2020 entwickelte sich die Krankheit zur Epidemie in Chinaund am 11. India Outpaces US China By Administering 15 Crore COVID-19 Doses In 103 Days. Verursacht wird die Erkrankung durch eine Infektionmit dem bis dahin unbekannten CoronavirusSARS-CoV-2.

Centre Union Minister Dr Jitendra Singh tweeted that under the leadership of PM Modi India is among the top 3 nations-- which has administered 15 crore COVID doses. China reported 17 new COVID-19 cases on May 3 up from 11 cases a day earlier the national health authority said on Tuesday. Both sets of samples were taken before the virus was identified in Wuhan and add to the politicised debate about the origins of the coronavirus.

The National Health Commission said in a statement that all of the new. In einer Reihe von Twitter-Botschaften behauptete die chinesische Botschaft in Paris am Montag das Virus sei womöglich bereits im vergangenen September in den USA aufgetreten. An account on Chinese microblogging site Weibo which was linked to the Chinese Communist Party posted a now-deleted photo over the weekend of China launching a rocket alongside an image of bodies being cremated in India.

After the country began the phase-3 vaccination drive on May 1 wherein all adults are now eligible the. The virus can cause coughing fever breathing difficulty and pneumonia. A prominent Chinese official has taken to Twitter to suggest COVID-19 started in the US China has taken umbrage with US politicians references to COVID-19 as the Wuhan virus or Chinese coronavirus Asian-Americans have reported an increase in racist attacks amid the outbreak.

The Trump administration in. Die Angriffe auf Asiaten in Amerika steigen nicht. Das Coronavirus hat von China aus seine Reise um die Welt angetreten was in den USA und anderen Ländern Ärger über das chinesische Krisenmanagement auslöste -.

While the initial report was not particularly. US opens to Chinese students and academics in easing of Covid-19 travel bans Students with valid visas can enter US 30 days before start of new school year State Department says. The Communist Party of China CPC mocked India over the deadly coronavirus Covid-19 which began in Wuhan last year wreaking havoc in the country.

Joins a growing list of places outside mainland China reporting cases. Chinas data is likely to come under further scrutiny as infections skyrocket in the US. März 2020 erklärte die WHO die bisherige Epidemie offiziell zu einer weltweiten Pandemie.

Got Hurt At Walmart

If you get hurt at Walmart you should report the accident to Walmart employees. What can be hard is showing that Wal-Mart failed in its duty to you and that that failure is what caused you to be hurt.

Walmart Accident And Injury Claims For Compensation In Florida

We would literally get a call in the morning from the district manager complaining that our payroll percent was too high and get ordered to cut a certain amount of hours out THAT DAYS payroll.

Got hurt at walmart. The most common ways that a Walmart employee can injured you are as follows. Call a Doctor or an Ambulance The first call you need to make is for medical help. I have trigger finger in my thumb.

Be aware that once you get a lawyer involved he will likely require payment in the form of 33 of your award. Our 20-Volt lineup expands across power tools lawn and garden equipment and automotive tools covering all your needs in and around your house. In a personal injury case you are making a claim to recover your damages.

I am retired military so I used my medical to care for it. An employee pushes a cart into you. That lawyer will ensure that Walmart is held responsible for the injuries and will not only make sure that the outstanding medical bills are considered paid in full but will ensure compensation for pain and suffering in the past and into the future.

Up to 7 cash back Our batteries feature Lithium-Ion technology with fade free power for longer runtime during use. Check out our full and ever-expanding lineup to get your collection started. It hurt to see it remembered another of Lyons cousins.

If its clear right away that something is wrong your best bet is to call 911. Only at Walmart and Walmart. A middle aged woman was walking in a Walmart located in Sunrise Florida.

I got hurt at walmart and was told different stories about reporting it. If you are injured by someone elses negligence while shopping at a Walmart or any big box store you may be wondering what you need to do in order to recover. If a person becomes injured at Walmart they should get immediate medical treatment and then call an experienced lawyer.

Not long after she went to Walmart and waiting for her were four 12 to 14-year-old girls who broadcasted her through social media. General accident claims against Walmart. Personal injury damages include medical bills out-of-pocket expenses for medicines and necessities lost wages and an amount for pain and suffering.

If you got injured in a slip and fall accident at Walmart our Indiana attorney can fight for maximum compensation on your behalf. I wrote separate articles on. Thats why I suggest trying to settle it yourself first.

Depending on how the injury happened you may be able to negotiate a settlement with a claims representative. 2 days agoA 27-year-old man was seriously injured in a shooting Sunday in the parking lot of the Highland Road Walmart Baton Rouge Police said. If your claim is against Walmart itself youll likely need to file a.

Two police officers were shot while responding to an incident inside a Walmart in Forrest City Arkansas on Monday morning police said. An employee rolls or pushes a pallet jack over your foot or into you. Common Causes of Slip and Fall Accidents in Walmart A massive retail corporation Walmart attracts countless customers every day.

Trip and fall accident claims against Walmart. You can expect to be compensated for your injuries when. If you can take photos of the accident scene and gather names and contact information for witnesses.

The wc rep didnt not get my complete med records from the military and denied the case. After she fell she realized her clothing was drenched in water. Continue with follow-up medical care.

Investigators believe robbery may. Shaw Law Offices is just a phone call away at 877 225-5742. This article concentrates on Walmart slip and fall claims.

Your role if any is called contributory or comparative negligence. If Walmarts negligence caused you to slip fall and get hurt you may have a personal injury case. SC wc asked if I wanted to pursue it but no one mentioned a time limit.

If Wal-Mart still refuses then the attorney will probably recommend suing Wal-Mart. The shooting unfolded after police got. Have I satisfactorily addressed your concerns.

As she was walking in the produce section suddenly and without warning she slipped and fell on the ground. If you are walking in Walmart and you are injured by an employee you may have a personal injury case against Walmart. The supermarket owed you a duty of care.

You should seek medical attention immediately. You will also need to show that your actions didnt contribute to your fall or that if they did that contribution was minor compared to Wal-Marts actions. Besides letting Walmarts employees know about the accident could get them to take safety a little more seriously and stop someone else from getting hurt like you did.

Really Bad Snoring Problem

Yes that is something that she needs to do in order to avoid some problems like that. If changing your sleep position or taking other measures at home does not prove successful in eliminating your snoring you may be suffering from obstructive sleep apnea.

The Social Stigma Of Women Snoring Sleep Cycle

Alcohol tends to make the tissues within our mouths swell a bit and alcohol can also change the quality of sleep.

Really bad snoring problem. For example it is better to eat ice cream before you go to bed than milk. In fact snoring may be a sign of a serious health condition including. Its a form of sleep-disordered breathing.

An issue with the structure of your mouth nose or throat. Because of its frequency it is more disruptive to bed partners. Loud frequent snoring is one of the indicators of sleep apnea which is a chronic condition characterized by pauses in breathing or shallow breaths during sleep.

When people with sleep apnea fall asleep they can stop breathing for 10 seconds or more even up to a minute or more. People who snore often have too much throat and nasal tissue or floppy tissue that is more prone to vibrate. As a result there can be frequent fights in the home.

The position of your tongue can also get in the way of smooth breathing. You feel sleepy during the day or make gasping or choking noises while you sleep you may have sleep apnoea which can be serious if. If snoring becomes a problem there are some treatments which can help.

Both conditions can be caused or made worse by obesity large tongue and tonsils aging and head and neck shape. When you inhale through your mouth as you sleep the air you breathe in can hit the back of your throat with enough force to cause the soft tissues to vibrate creating that unpleasant buzzing sound you make when you snore. The health risks linked to snoring Snoring isnt just noisy and annoying.

Snoring disrupts healthy sound restorative sleep. Even if sleeping with your mouth open isnt the primary cause of your snoring it could definitely make your snoring worse. Snoring is a rattling noise made as we breathe during our sleep.

Whether snoring is dangerous depends on its type severity and frequency. Snoring is also linked to increased risks for other health problems. Your child routinely sleeps with his or her mouth open and chin or neck extended.

11 Health Risks of Snoring. This can make that spouse irritable and that can cause him to flare up at any slight misunderstanding. Your brain is sedated from.

As mentioned snoring can cause insomnia a big problem for many with 48 percent of Americans reporting occasional insomnia and 22 percent reporting consistent insomnia. Because that process of digestion also relaxes the throat and tongue muscles. The snoring is very noisy.

Many lifestyle factors make snoring more likely and can be changed. Light infrequent snoring is normal and doesnt require medical testing or treatment. A husbands snoring or wifes snoring can therefore contribute to ruining marriage.

Your snoring is having a big impact on your or your partners life. Severe sleep apnea carries a significant risk for early death but even mild to moderate sleep disorders can be related to heart disease reduced sexual function and. A snoring partners snoring noise can cause sleep deprivation in his spouse.

People who snore are at greater risk for obstructive sleep apnea a more serious form of sleep-disordered breathing. If you suffer from extreme fatigue sleepiness and exhaustion during the day your problem may be more than just snoring and you should get it checked out by a doctor. Obstructive sleep apnea blocked airways obesity.

According to scientific research people. Sometimes it also interrupts the sleep of the person who snores making them tired in the daytime. Primary snoring occurs more than three nights per week.

It is very important to try to avoid extremely heavy meals before you go to bed because those can only cause a snoring. Its main impact is on a bed partner or roommate who may be bothered by the occasional noise. You should see a doctor about snoring.

It may not cause any problems to the person who snores but it may be so noisy that it stops other people from sleeping. Enjoy the videos and music you love upload original content and share it all with friends family and the world on YouTube. Snoring may be a symptom of more serious sleep disorders and if you suspect you are suffering from more than just an artificial snoring problem you should seek help from a medical professional.

Sleep apnea can lead to daytime. You hear your child pause or gasp while sleeping. If you regularly snore at night it can disrupt the quality of your sleepleading to.

How To Check My Att Internet Speed

This opens a Wi-Fi status window that shows a variety of network data points. If you need to test wirelessly position yourself as close to your router as possible.

Att Fiber Different Speed Test Results At T Community Forums

If testing over Wi-Fi.

How to check my att internet speed. Test your Internet connection bandwidth to locations around the world with this interactive broadband speed test from Ookla. Reboot your Residential Gateway. Detailed steps for testing your internet speed Make sure the only thing connected to the internet is the device youll be testing.

I also use the Xfinity speed test a. From there select Network and Sharing Center and then click on your Wi-Fi name. When you start the speed test it will prompt your computer to download a dummy file.

For a general look at your Wi-Fi speed you can go into your laptops Network and Internet menu found on the control panel. Make sure the wireless device has a clear. Just click on the button below to take our speed test.

However the speed you get on devices connected to your network can vary. How can I test my internet providers speed. Check if your device can handle the speed you are subscribed to by downloading the PC Maintenance Toolbox.

Disconnect all other devices. The number of devices you connect to Wi-Fi how you use them their age and type and Wi-Fi signal strength all can affect speed. It reflects the actual speed coming into your home.

Run a speed test on your computer or phone There are plenty of apps and websites that will test the speed of your connection. You can check the download and upload speeds of your ISP by using their corresponding link below. ATT Internet Speed Test FAQ ATTs average Internet speeds are based on the last twelve months of speed test data.

Some of the more popular speed. Choose the right tool. 22 Zeilen The ATT speed test is done by using a third party reliable speed test service.

How to use our broadband speed checker For the most accurate results you should use a cable to connect your computer to your router before running the test. Speed tests we analyze to show statistics for ATT on BroadbandNow are sourced from the M-Labs database which aggregates ATT speed tests run on BroadbandNow as well as in Googles search result tools. Disconnect all other devices.

The speed test measures how long your computer takes to download the file through your ATT internet connection. You can check it with ATT Smart Home Manager. The whole process should take less than a minute to complete and you watch it.

It determines your location and pairs you to a local Speedtest server. If testing over Wi-Fi. Detailed steps for testing your internet speed Make sure the only thing connected to the internet is the device youll be testing.

Viasat Internet formerly Exede AT. All you have to do is click the Go button. Sparklight formerly Cable One WOW.

You can run the test through a cellular mobile network a wired broadband connection or your home Wi-Fi. Testing the speed of your internet connection is easy. How does the ATT internet speed test work.

Checking your internet speed is really easy with free tools available online. Enter your ATT e-mail address to help us improve our service optional Click the START TEST button. Mashable and Ookla are owned by the same parent company Ziff Davis This is the one Ive.

To achieve accurate results on mobile devices you should download our iOS or Android app respectively. Go to the computer or device where you want to test your internet speed. This depends on the device you want to use being a phone or tablet or a computer.

Make sure the wireless device has a clear. The size of the file divided by the download time gives you your megabits per second Mbps. 22 Zeilen To check ATT speed head over to the top of this page and click the Go button to.

This test will give you your download and upload speeds as well as other information like latency if you click on the details which you can compare to your providers advertised speeds. Go to the computer or device where you want to test your internet speed. To test upload speed it does the same.

To check internet speed on a computer use your browser and the app on this website. A gateway speed test checks the speed between your ATT Wi-Fi gateway and our network.

Asthma Shortness Of Breath

Asthma bothers me during exercise even the least activity causes shortness of breath and tightness in my chest not just cardio exercises. Here are a few possible causes that often get missed especially in the early stages.

Asthma Symptoms With Coughing Cartoon Person Asthmatic Problems Vector Infographic Illustration Of Medical Disease Shortness Breathing Cough And Wheezing Stock Vector Image Art Alamy

The muscles that surround the airways tighten up bronchospasm.

Asthma shortness of breath. Exposure to allergens or irritants in the air can trigger asthma symptoms as can strong emotions and hormonal changes during pregnancy according to the American College of Allergy Asthma Immunology. COPD Chronic Obstructive Pulmonary Disease. If you suffer from chronic asthma or.

With asthma shortness of breath is often accompanied by wheezing a squeaky or whistling sound when you breathe. If youre noticing that each breath you take doesnt seem to deliver the right amount of air to your lungs then you could have a serious issue. Shortness of breath can be caused by many different things but when it is linked to asthma that difficulty breathing will essentially appear without warning and could actually be a chronic condition.

1 doctor answer 1 doctor weighed in A 23-year-old male asked. Dyspnea shortness of breath in asthma COPD is important for diagnosis Dyspnea in COPD. Asthma is a chronic condition that usually starts early in life and diagnosis is often made around 7-12years of age.

For many people the main signs and symptoms of asthma are wheezing shortness of breath excess mucus and chest tightness. Shortness of breath is usually caused by respiratory disease. Shortness of breath may come on in a matter of minutes or develop chronically over much longer lengths of time.

Shortness of breath is a complicated sensation only like a form of pain which can indicate practically anything but nothing in particular. In the vast majority of cases shortness of breath is because of conditions related to the heart and lungs. Thats why shortness of breath rather than wheezing is one of the.

For an intense period of difficulty breathing or chest pain you should seek medical. The medical term for shortness of breath is dyspnea. Inflammation makes the airways swell and fill with mucus.

Trouble breathing can be a sign of asthma. Asthma is another respiratory disease that can lead to. For a mild incident your doctor might recommend using your inhaler and practicing deep or pursed lip.

In asthma shortness of breath is usually caused by the narrowing of the airways. Breathlessness shortness of breath dyspnea air hunger whatever you want to call it when you cant breath it can feel like youre suffocating but are you. For others a chronic cough that comes and goes every now and then may be the main or only symptom of asthma.

Asthma Do you have episodes of shortness. Asthma is a long-term disease that makes your airways swollen inflamed and narrow so its hard to move air in and out of your lungs. Shortness of breath treatment Less severe.

Though shortness of breath alone is a common symptom of asthma wheezing and chest tightness are also classic signs. COPD chronic obstructive pulmonary disease is a condition that causes breathlessness fatigue and. That being said although you may be taking a deep breath in inhaling you may want to use one of the breathing strategies like pursed lip breathing to assist in getting the air out exhaling However if your symptoms of feeling short of breath persist or worsen especially since youre taking albuterol you may want to reach out for your physician.

Along with feeling short of breath you may also wheeze. Sometimes even with all three symptoms asthma is. Some of the more common causes include.

The main and most common cause is asthma. Eosinophilic asthma causes swelling in your entire respiratory system from your nose all the way down to the tiniest airways. The airways become narrow for one or both reasons.

Is It Bad To Refinance Your Home

A home and auto loan refinance will cause a hard inquiry on your credit which may lower your credit score and make it difficult to land favorable interest rates. If it costs more to refinance it.

Should I Refinance My Mortgage Beginner S Guide To Refinancing Your Home Loan

While the lure of lower interest rates and smaller monthly payments makes sense at first glance its crucial to understand the potential risks involved.

Is it bad to refinance your home. Refinancing your home loan with a low credit score isnt ideal since you will likely pay a higher interest rate than youve seen advertised which can cost you thousands in the long run. Right now our single family home is worth 29000000. Refinancing a house can be a great way to save some money on your mortgage.

With a longer term youll pay more in interest overall and be in debt for a longer period of time. We owe on our current loan 240k. It is not necessarily bad to refinance your house multiple times.

Refinancing your home is the process of taking out a new loan to pay off your original mortgage. Costs canceling out savings. Refinancing means replacing your existing mortgage with a new lower rate loans.

While a refinance may help you save money there can be several pitfalls associated with refinancing too often. It likely means a lower interest rate a lower monthly payment and most importantly less paid over the. A mortgage refinance typically offers a lower interest rate than a home equity line of credit or HELOC or a home equity loan.

You may lower your credit score. Ive been debating refinancing from a 30 year 60 our current loan rate to a 30 year 500 percent. There are several reasons a homeowner may want to do this but there are also a few downsides to be aware of too.

Pros of a cash-out refinance Lower interest rates. Mortgages are secured debt backed by the borrowers home. If you have a home loan with private mortgage insurance PMI a refinance could help lower your monthly costs says Dan Snyder co-founder of.

Yes it is okay if you decide to rent out the home and buy a new primary residence regardless of when you took out the new mortgage on your current home. But its not always a good idea. The costs could outweigh the benefits in many cases so its wise to do your research before refinancing and find out some of the reasons why you shouldnt refinance your home.

Equity and credit cards. Refinancing a home loan to consolidate debt can be an irresponsible move with devastating consequences. We could take out enough to pay a lot of our debt down and still have a lower monthly mortgage payement.

There are many reasons to refinance your home but they all boil down to one key goal. As a homeowner refinancing your mortgage when you have a good credit scoreespecially one thats better than when you originally applied for the loanis an easy decision. You might be trying to lower your monthly payment pay less mortgage interest erase.

You will just have to provide a letter of explanation saying that you decided to buy a new primary residence because your current home is too small too far from work etc. Updated April 26 2021. The primary and best reason homeowners decide to refinance is to save money on their mortgage by reducing their monthly payments.

Transferring unsecured debt to a loan that is backed by a home means the borrower can stand to lose their house if they default on the debt. Refinancing comes with another set of closing costs and those expenses might cancel out the benefits of a refi depending on. You may find that refinancing your home is not worth the money or the hassle.

Home mortgage refinancing can look appealing to homeowners looking to reduce expenses. But it still can be done. You shouldnt have any problem getting a new.

Depending on your situation refinancing can either save you money or cause a variety of problems. If used wisely refinancing is a tool that can get you better interest rates on a mortgage or allow you to shorten the life of your loan to save on interest if you find yourself making more income later and are able to handle higher payments. Refinancing your mortgage can be either a good or bad idea depending on your motivation and goals as well as the financial terms of the refi.

Credit card debt though is unsecured. By refinancing to a lower interest rate or to shorten the loan term you could save thousands of dollars in interest. While there are many reasons to refinance the primary goal of refinancing a home is often to reduce your interest rate and build equity faster.

In general if your current interest rate is 1 higher than the average interest rates on the market its time to consider refinancing. We have a debt amount of 40k in h. Refinancing to lower your monthly payment is great unless it puts a big dent in your pocketbook as time goes on.