2019613(木)

Regardless of the reason for the refinance

One of the biggest reasons homeowners refinance their mortgage is to obtain a lower interest rate and lower monthly payments. By refinancing, the borrower pays off their existing mortgage and replaces it with a new one. This can often be accomplished with a no-points no-fees loan program, which essentially means at "no cost" to the borrower.In the no-points no-fees scenario, the mortgage consultant uses rebate monies paid by the lender to pay off non-recurring closing costs for the borrower. These are "one time" fees such as escrow or attorney fees, title insurance, document preparation, tax service, flood certification, processing and underwriting fees, etc.

The borrower is still responsible for recurring fees such as interim insurance, property taxes or insurance policy payments.Refinancing typically occurs when mortgage interest rates drop significantly, but borrowers with recently improved credit scores (from paying off credit card debt, making mortgage payments on time, etc.) are often candidates for better interest rates as well. If you haven't checked your credit score in a while, it's a good time to call a mortgage consultant.The question most asked is, "But why should I go back into a 30-year loan?"There are two schools of thought on this subject, and the mortgage consultant should work hand-in-hand with the borrower's financial planner to determine what works best for their mutual client.

One option is to take the route of the "same payment" refinance, and actually pay off the loan faster and save money on interest fees in the long-run. If refinancing results in a lower monthly payment, the borrower can still continue making the same payment they made in the original loan, and the extra money will be applied to the principal balance.For example: Let's say you have 25 years remaining in your current loan, and you refinance back to a 30-year loan with a slightly lower interest rate, resulting in a payment reduction of $200 per month. (Note: This is just an example. The actual amount could vary.) You could then take that extra $200 per month and apply it toward the principal on the new loan.

At this rate, the loan will be paid off in 22 years and 4 months, which is 2 years and 8 months less than the original loan.On the other hand, if the borrower's financial planner is a proponent of best-selling author and investment guru Douglas Andrew's philosophies (see Missed Fortune), he or she may suggest investing the extra money in a side-fund that could earn a better rate of return and grow to the amount of the mortgage (and beyond) in even less time. This method provides excellent liquidity, but having more direct access to this money may be too tempting for some homeowners.

Regardless of the reason for the refinance, the mortgage consultant will need to China Bearing Bushings Manufacturers外部リンク know what the existing loan scenario entails, review the homeowner's long-term goals, and provide a comprehensive spreadsheet that compares and contrasts the various loan programs available. Bear in mind, refinancing to obtain a lower interest payment could also result in a lower deduction at tax time. The homeowner's mortgage consultant and financial planner should work hand-in-hand with their mutual client's best interest in mind.



2019429(月)

Your son is always hungry

Your husband always seems tired. Your son is always hungry. And your daughter? Well, she goes through enough hair products to try to make her hair ring gear外部リンク look healthier, that you're sure all the chemicals she's using are going to make her go bald. So, what if there was a way you could increase your husband's metabolism, decrease your son's hunger, and give your daughter really healthy hair instead of hair that just looks healthy? And what if all that could be done from the juice of just one plant's fruit?This miracle juice is extracted from the fruit of a plant called Morinda citrifolia, also known as Noni in Hawaii and Nonu/Nono in the Pacific Islands.

Its juice, when drank regularly, can increase a person's metabolism to give the body more energy and help the body absorb more nutrients from the food that's eaten. So a person doesn't feel the need to eat all of the time. Also, because the juice from the Noni fruit is great for the entire body, hair and nails become stronger and shinier.People have used the Noni plant for thousands of years -- a plant that was so well needed it was carried over seas with travelers who settled on a land that is now called French Polynesia. The Noni plant stands about 20 feet tall and it bears its fruit all year long. The fruit is about the size of a large pear.

As well as drinking its juice as a tonic, its fruit can be eaten with salt (raw or cooked) and made into a curry. Even its leaves can be eaten as a vegetable and its seeds can be roasted for a healthy treat. The bark and its roots have also been used as a natural brown and yellow dye, respectively.So what else is the juice from the Noni fruit good for? By giving Noni juice from Tahiti to your family you can clean out their bodies' toxins. This will help improve circulation, keep their bones strong, and their muscles fit. Grape seed extract and Vitamin C have been known as great antioxidants in the past, but lab tests have shown that the original Noni juice from Tahiti works better.

And then of course, because your family's bodies are working in top form, their immune systems will be able to fight off those viruses that invade your family home at least twice a year!It's always a good feeling when you know you are doing right by your family: you tell them to eat their vegetables, get plenty of sleep, bathe regularly and get a lot of exercise. Now, one more thing you can tell them to do to keep them healthy is to drink their Noni juice, and remember to toast to their good health when you do.



2019424(水)

In order to prove the transparency of their work

Egypt has long been the source of countless conspiracies, ranging from ancient lost civilizations to extraterrestrial markers. The reason for this focus is likely because Egypt is the most romanticized ancient civilization, and also because it is home to the mystical Great Pyramid of Giza, the only surviving Wonder of the Ancient World. This article will describe some of the conspiracies surrounding the Sphinx and the Pyramid.The Riddle of the SphinxMost of the conspiracy theories revolving around the Sphinx usually involve its age. The Sphinx is generally accepted to have been built along with the Pyramids of Giza around 2500 BC.

It is even accepted that the face of the Sphinx bears the likeness of Khafre (Chephren), the Pharaoh during that time.However, there was no written record from that era regarding the Sphinx or its construction. In addition, the human head of the Sphinx is small in relation to the rest of the body, indicating that the head bearing Pharaoh Khafre's likeness could have been carved out of a larger lion's head. These points led some researchers to believe that the Sphinx could have been built much earlier by a more ancient civilization, thus starting a whole host of conspiracy theories.Geologist Dr. Robert Schoch and author John Anthony West made a case that the erosion marks on the Sphinx appears not to be made by wind or sand, but by water, such as falling rain.

They used evidence of other structures in the Giza area to prove their point. If this were true, the construction of the Sphinx could then be dated back to at least 5000 BC, when the area still received substantial rainfall, in contrast to desert conditions later on.In his official website, Director of the Giza Monuments Dr. Zahi Hawass provides various points suggesting that the evidence used in proving Dr. Schoch's theory is flawed.Adding to the conspiracies surrounding the age of the Sphinx, writers Graham Hancock and Robert Buvaul provide evidence in their book Message of the Sphinx that the creation of the Sphinx and Pyramids can be pushed back as far as 10,500 BC using astronomical data.

Secret of the PyramidsThe Pyramids of Giza have been the objects of many conspiracies over the years. Many people believe that the Pyramids are a link to an ancient lost civilization, and may still contain evidence to prove it. Many conspiracy theories regarding secret chambers and passageways within the pyramids exist to this day.These conspiracy theories became even more widespread in 1993, when Dr. Zahi Hawass announced that the Great Pyramid of Khufu was to be closed to the public for a year. The reason given for the closure was to facilitate cleaning, conservation and restoration of the interior chambers in the Great Pyramid.However, conspiracy theorists believe that the Egyptian authorities had uncovered evidence of a lost civilization in the Pyramid, and were secretly excavating it to reveal more information.

During the conservation process in 1993, robots were used to explore the small ventilation shafts leading from the "King's Chamber" and the lower "Queen's Chamber" in the Great Pyramid. An intriguing discovery was made: partway through the shafts of the "Queen's Chamber" were "doors" with handles.In order to prove the transparency of their work and debunk any conspiracies, Dr. Zahi Hawass decided to partner with National Geographic to explore beyond the "doors", and provide a live telecast of the exploration to the rest of the world.After much publicity, the expedition commenced, with footage telecast live around the world.



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