Thursday, December 3, 2015

Things to Remember When Comparing Mortgage Refinance Rates (part 2 of 2)

Ask how often the lender re-calculates the outstanding interest.
The best way to treat a mortgage loan – or any loan for that matter – is to get out of it as fast as you can.  This is why it's always a good decision to have a personal payment plan set up before you take out a loan.  A bi-monthly payment scheme, for example, will help you pay off the loan earlier and avoid additional charges.

Check with your lender to determine how often they make loan recalculations.  Yearly recalculations are disadvantageous to you, so when comparing mortgage refinance rates, look for companies that recalculate frequently – daily if you can find them or at the very least, monthly.

Why is this important?  In the future, you could have the opportunity to get a good amount of cash from a bonus or a promotion and would like to use that to pay off your loan.  If your lender does not recalculate often, you could be stuck on the old interest rates, regardless of how much money you put in.  If your lender recalculates often, you could start paying for your loan at newer, lower interest rates.

Lock it in.
Take advantage of a good mortgage refinance rate by having it locked in by your lender.  A lock period is the period of time in which the current or agreed-upon rate is honored by the lender.  Meaning, the rate will stay that way within a specific amount of time.  This can range from a minimum of 15 days to a maximum of 60 days.

The lock-in period you choose will of course depend on how long you want to keep the interest rate and on how much you can afford to pay.  Shorter lock periods will have more affordable mortgage rates while longer periods will charge higher rates.  When comparing mortgage refinance rates, try to compare the lock-in periods as well.

Things to Remember When Comparing Mortgage Refinance Rates (part 1 of 2)

Taking out a mortgage loan does have its risks.  It's not something you can get, bring home and then forget about.  To truly maximize the kind of deal you get over the long term, you'll have to be able to watch out for fluctuations in mortgage loan rates, which, fortunately or unfortunately, change incrementally every day.  In some cases, you might even see several fluctuations in one day.  To find the best rates possible for your loan, learn to compare mortgage refinance rates.  Here's how:

Get a copy of your credit report.
Even without a credit report, you could always get mortgage rate quotes.  However, to truly get the exact loan rate, your lender will require you to provide your credit report.  If you want the exact figures, get a copy of your report first before you start shopping for mortgage refinance rates.

Be careful of what you see.
Most consumers are reeled in by clever advertising promoting low interest rates.  However, not every consumer will probably land this rate because their qualifications vary.  Furthermore, some companies' advertised rates may be locked in only for about 15 days.  Unless you could close within that period, it may not be worthwhile to consider comparing these rates at all.

Furthermore, if you try to compare mortgage refinance rates without having your credit report run, always study the pre-approval estimate terms of the loan carefully.  You do not want any surprises in the future, particularly if they are disadvantageous to your finances.

Ask for all fees involved.
Obtaining a mortgage loan refinanced means you will have to pay for certain fees.  If you're dealing with a reliable lender, they will be willing to give you all the information you need.  Others, unfortunately, will simply withhold that information.

Monday, November 30, 2015

Mind Mapping and Learning (part 2 of 2)

Are you a highly visual learner? If you are, then you should know more about mind mapping. The tool used here are also called learning maps. However, beginners might find this method a bit hard but if you use it frequently, you will be able to master the ability of creating mind maps. With less text work and more on the graphics and drawings, most individuals can remember and retain information effectively.

Aside from being called learning maps, it is also called memory maps. Mind mapping is an easy learning technique especially if you’re already good at it. You can even use different pen colors so that you can create a much better learning map but that would depend on your preferences. Also, you need to have a blank page or paper and you need to determine the writing size. By starting out at the middle portion of the blank page or paper, you will be able to create branches of information based on your lessons.

When you’re having a discussion in class, determine the theme or central idea. Write the central idea or theme at the center of the blank page, inside a circle. Remember that you’re going to create some sort of diagram so don’t try to write sentences. Instead, write only the keywords and look for sub themes. You can use lines to connect the ideas until the lesson or discussion is through.

Try mind mapping with your next class lectures or when you’re reading your textbooks. It will be easier to learn if you can learn visually. A lot of individuals were able to master making mind maps and you can do it too.

Mind Mapping and Learning (part 1 of 2)

Students usually take down notes of their teacher’s lectures. If you’re one of these students, how do you jot down the notes? Are you simply writing down only the most important things or are you using a different method? Well, perhaps you learn more about mind mapping.

Mind mapping and learning are related because if you want to learn easily and fast, you can utilize the mind maps to your advantage. How are you going to do this and what are mind maps?

College students need to take down a lot of notes so that they can prepare for their exams. Not only do they need to focus on the everyday discussions inside their class but they also need to read their textbooks. Oftentimes, students find it very hard to learn all the needed information. Text information is quite hard to learn especially for those who don’t do well in class. One way to help these students is through mind maps.

Each individual is unique and so they also learn in different ways. One way of learning may work for an individual but it may not work for another. Jotting down notes can be considered a passive process. The brain is not able to interact with the pieces of information that you’re writing down. If you want to remember everything that you’ve written down, your brain should be more involved.

Visual learning is quite popular these days. Those who are inclined to visual learning can learn better if they make use of cartoons, drawings, and graphs. For those individuals who are not very good in visualizations but have auditory skills can learn much better through tape-recordings. So you see, people tend to learn differently depending on their skills.

Friday, November 27, 2015

Packing List for your Winter Lake Tahoe Vacation (part 2 of 2)

For your basic winter needs after skiing or riding the snow, you may need to have with you long pants, sweaters, warm jacket, casual shoes, warm socks, snow boots, warm base layer undergarments, scarf, warm sleepwear, accessories and casual wear

Here are other key items you may need to have handy with you like sunscreen, lip balm, aloe cream, sunglasses, eye glasses or contact lenses, camera and film or digital camera and batteries, medical insurance cards, credit cards, cash or travelers checks, ID or Driver’s License, travel alarm, prescriptions or medications, itineraries and confirmations, maps and directions, bathing suit, baby’s needs, diapers, swim diapers, adress book, story books for bedtime, games for the ride, toothbrush/toothpaste, cosmetics, spare car key and ski tickets or passes.

Here’s a helpful tip, pack ski tickets or passes with ski or snowboard boots so they won’t be forgotten.

Other handy things that would be nice to have along would be a CD or MP3 player, CDs, headphones and batteries,  DVD’s, guidebooks and brochures and pillows for the ride.

Finally, before leaving home for the vacation, make sure that you leave a trip itinerary, contact info, spare house and car key with your neighbor or a relative, arrange for your mail and newspapers to be picked up, turn off gas lights and water, lock all windows and doors, arrange for pet care and water the plants.

And if you are traveling with children you should allow for extra travel time and be flexible - plan to make frequent stops, bring water and snacks, bring along wipes or a towel handy in car for messes and spills, ensure that car seat is properly installed, bring toys and games to keep children occupied during the long trip and show your child photographs of your destination to get your child excited about your vacation.

So take note of this packing list for your winter LakeTahoe vacation, you will definitely need it.

Packing List for your Winter Lake Tahoe Vacation (part 1 of 2)

A packing list for your winter Lake Tahoe vacation would be the best solution for you if you are planning to have a winter getaway of skiing or snowboarding activity at Lake Tahoe.

Skiing and snowboarding enthusiasts know what to bring along, but for first time snow sporting fans, here is a checklist of what to bring along.

This checklist will also be useful for anyone, especially on basic items one needs to bring along regardless of whether you are out for a snow sporting getaway, or simply enjoying the Lake Tahoe outdoors during winter.

For skiers and snowboarders, of course, you need to tag along your Alpine and Nordic Skis, Boots and Poles, as well as snowboards and boots, helmets, ice skates and snowshoes.

For clothing and footwear, one should need to bring along a waterproof jacket or parka, waterproof pants or shells (to wear over a warm base layer), breathable under layers (long underwear, non-cotton fabrics to prevent from absorbing melted snow subjected to body heat), fleece, sweaters, turtlenecks, gloves/mittens, neck gaiter, hat or helmet, ski or snowboard socks, goggles and sunglasses.

Be sure to pack extra layers of clothing to accommodate for the mountain climate, since the weather can change quickly.

For those who may not want to lug along bulky equipment, a lot of rental shops offer offers ski and snowboard rentals, overnight equipment storage, and season-long
lockers for those who don’t want to worry about transporting their gear to and from the mountain.

Tuesday, November 24, 2015

Finding Kitesurfing Equipment in UK (part 2 of 2)

You can also search for used equipment in the internet. There are many websites which feature used equipment for sale. The downside, though, is that you are unable to see the item personally before buying it. Also, there is added cost for shipment, so it may cost a bit more than when it is bought in a store.

What equipment do you need to buy? First, you need a kite. There are different kites available, such as inflatable kites and foil kites. There are pros and cons to each type of kite. It is best that you buy the kind which you have tried kitesurfing with.

Next is the board. Again, there are many different boards available and each type performs differently, so choose well. The board has footstraps which make it easier for you to attach and detach from it.

Other equipment includes helmets, life vest, harness, flying lines and control bar, among others. A wetsuit and some boots complete the get-up.

If you live in UK, there are many sources of kitesurfing equipment. But one word of advice though. Before purchasing any equipment, make sure that you really like the sport. Equipment can be quite expensive, so it is wise not to spend money on it if you have no intentions of pursuing the sport.

Perhaps you can test the waters first by enrolling in a kitesurfing school. If after a few lessons you still feel the same way, then that's when you buy the equipment.