How Soon Can a Mortgage Be Refinanced? (part 2 of 2)

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Consider the 2 percent rule.
Just because interest rates have fallen a tiny bit does not automatically justify your decision to refinance.  Consider refinancing only if the new interest rate is at least 2% lower compared to the rate you're currently paying.  A 1% difference in interest is not sufficient reason to make the switch.

Remember that there are costs associated with a new loan.  When you consider refinancing for your mortgage, remember that you will have to pay extra for closing fees.  An interest rate as low as 1% will not cover the expense.

You have no late payments.
You could go ahead and refinance a mortgage provided you have paid your loan faithfully for the last 12 months.  If you have never had a late payment during the last year, you could make the shift and have your mortgage refinanced.

You have already built up equity.
If you want to refinance a mortgage soon, try to examine if you have already built up equity.  You should have a minimum of about 5% or 10% equity (depending on the lender) before you could consider refinancing as a feasible option.

So is refinancing an option for you?
Of course, you can always consider refinancing your mortgage at any time you feel most comfortable.  The key is to consider the time factor, along with the type of opportunity being presented by the market.  After all, refinancing is really getting a new loan.  Just be prepared for the procedures and costs that you will have to go through all over again.

How Soon Can a Mortgage Be Refinanced? (part 1 of 2)

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There are many advantages to having your mortgage refinanced.  Of course, the most important and obvious reason is the lower rate you'll enjoy.  When applied at the right time and opportunity, having a mortgage refinanced can save you thousands of dollars in the long run.  However, since timing plays a crucial role in refinancing, it's important that you understand the factors that can affect how successfully you can take advantage of it.  So how soon can a mortgage be refinanced and should you?

The right time
Getting a mortgage is not for sissies.  This type of loan, whether you're taking it out to purchase a car or a house, is easily one of the biggest financial decisions you'll ever make in your life.

If you're taking out a home mortgage loan and are considering getting it refinanced later, you'll be glad to know that you could probably do it at any time you want.  But once you have a mortgage and interest rates begin behaving in a manner that is favorable to you, you shouldn't automatically apply for refinancing.

First, the difference in the new interest rate and the current interest rate should be enough to actually give you some advantages.  Second, most lenders will probably advise you to refinance only after your loan has matured for a minimum of 12 months or so.

However, it's good to consider this only if interest rates have remained more or less the same.  If, at any time after you have taken out a mortgage loan the market trend begins tipping to your advantage, you should consider refinancing your loan.  Remember that interest rates are rather volatile and if you wait too long for them to dip further, you could miss out on a very good opportunity to get a good deal.

Mind Mapping and Whole-Brain Thinking (part 2 of 2)

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The mental prowess of individuals depends on how their use the brain. If you try to observe children, you will discover that they are usually using their right brain hemisphere because they display spontaneity, imagination, great creativity, enthusiasm, and open mindedness. As an individual grows older, they also grow socially, culturally, and sometimes racial influences also hold back such natural traits.

If you want to achieve awareness at a much higher level, you must learn to be ambidextrous; that is, you need to use both hemispheres of your brain. The first thing that you need to do is to work on the leaning activities that focus in the right brain hemisphere like analogies, metaphor, patterning, visuals, calculation, and role playing. In order to develop the ambidextrous mind, you can get involved in meditation and reflective thinking.

Mind mapping is one way to achieve an ambidextrous mind. Through mind mapping, you can diffuse your thoughts, thereby streaming thought lines and associations. You can associate effectively if you can find the links to ideas and logic. If you try to explore the ideas and logic, it will eventually lead to creativity, insight, and imagination.

It you want to strengthen your perception clarity, dissemination, and vividness, try to make use of colors, symbols, and pictures in your mind maps. By using mind mapping, you can employ your brain’s subtle aspects.

Start learning about mind maps now; mind mapping is your key to achieving an ambidextrous mind. Whole-brain thinking is difficult to achieve so you will need to work very hard. Good luck.    

Mind Mapping and Whole-Brain Thinking (part 1 of 2)

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Are you familiar with the term ‘ambidexterity’? This term is used to describe the ability to use both hands. Famous individuals like Albert Einstein, Fleming, Harry Truman, Leonardo da Vinci, and Michelangelo were said to be ambidextrous individuals. As you can see, it’s quite hard to use both hands with dexterity. If you’re a right-handed individual, you will find it hard to use you left hand in the same way, and vice versa. Do you think it will be possible to achieve whole-brain thinking? Well, that’s not impossible because you can do that if you know mind mapping.

Being ambidextrous can also be achieved if you’re able to do multiple tasks at the same time. For example, you’re watching TV as you answer the phone; while talking over the phone, you will jot down important notes or information dictated by the person on the other end of the line. If you can do these things, then it can be said that both hemispheres of your brain is functioning. Unknowingly, most individuals are utilizing both hemispheres of their brain everyday in accomplishing their tasks.

How can you identify a person using only his left or right brain hemisphere? To understand it better, you need to know the different qualities that depict the left and right side of the brain. The right hemisphere of your brain is responsible for your qualities such as having artistic abilities, being a risk taker, imaginative, creative, highly philosophical, etc.

While the left hemisphere of your brain is responsible for your qualities like being a conformist, practical, can comprehend effectively, seeks order, etc. If you’re a person who relies on strong intuition and acts subjectively and holistically, you’re a right-brain individual while the left-brain individuals tend to be analytical, logical, and rational.

Sporting Adventure on a Lake Tahoe Vacation (part 2 of 2)

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At Donner Pass you can find the Boreal Mountain Resort, a small ski area, the medium-sized Sugar Bowl Ski Resort and the Donner Ski Ranch, a very small ski area for those seeking a more secluded ski practice.

Among the other medium-sized ski resorts to choose from are Homewood Ski Resort, at the west shore, Mount Rose Ski Resort at the north-east area of the lake on Slide Mountain.
Majority of the ski resorts in the Lake Tahoe region are found on the northern end of the lake, near Truckee, California and Reno, Nevada.

Also scattered all throughout Tahoe are public and private sled parks, which are are equipped with tow ropes that help sledders climb up the hills.

There are also ski areas around Tahoe that have snow tubing, a popular adventure among people who interested in alternative sports.

There are a lot of snow trails around Lake Tahoe that cater to cross-country skiing, snowmobile riding, and snowshoeing.

Lake Tahoe is ripe for water sports and beach activities during late Spring to early Fall.

The two cities most identified with the Lake Tahoe tourist area are South Lake Tahoe, California and the smaller Stateline; smaller centers on the northern shoreline that include Tahoe City and Kings Beach.

Boating is a primary activity in the Tahoe during summer. There are lake front restaurants all over the lake, mostly equipped with docks and buoys.

Among the most popular boating events in Lake Tahoe include sailboat racing, firework shows over the lake, guided cruises, and whole lot more.

As an interstate waterway, Lake Tahoe is also traversed and secured by the United States Coast Guard, since it is the home to the Coast Guard Station.

Scuba diving is one of the most popular underwater adventure at Lake Tahoe, since dive sites offer one of the world’s best dramatic drop-offs or wall dives.

Diving at Lake Tahoe is considered advanced due to the increased risk of decompression sickness while diving at such a high altitude, so caution is necessary when engaging in such an activity.

So why not try a sporting adventure in a Lake Tahoe vacation, it’s really worth it.

Sporting Adventure on a Lake Tahoe Vacation (part 1 of 2)

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Aside from just being a serene and natural environment, sporting adventure in a lake tahoe vacation is as challenging as any world-class sporting destination.

Considering that much of the area surrounding Lake Tahoe area is devoted to the tourism industry, there are a lot of fine restaurants, camping lodges and, of course, ski slopes and water sport venues.

During the ski season, thousands of people flock to Lake Tahoe from all over Nevada and California, including Las Vegas, Los Angeles, San Diego and San Francisco.

The ski slopes overlooking Lake Tahoe offer some of the best skiing spots in the world.

Aside from its panoramic beauty and breathtaking scenery, Lake Tahoe, is well known for its snow blizzards, responsible for making humanly challenging ski paths and snow obstacles for the sport of skiing.

Among the major ski areas in Tahoe include the Heavenly Mountain Resort, which is  the largest ski area in California and Nevada, located near Stateline.

Another one is Squaw Valley, which is the second largest ski area in the Tahoe area, known for its hosting of the 1960 Winter Olympics and is located near Tahoe City

The Alpine Meadows is a medium- sized ski area located on the north shore a few miles away from Squaw Valley.

There’s also Diamond Peak,  a small ski area located at Incline Village, Nevada.

For novice, amateur and pre-professional skiers, there is the Northstar at Tahoe, which a popular north shore ski area.

Another one is the Kirkwood Mountain Resort, a south shore ski area, known for getting more snow than any other ski area in Tahoe.

Among the other very challenging ski spots, there’s the Sierra-at-Tahoe, a small south shore ski area.

Going on a Kitesurfing Holiday (part 2 of 2)

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3) Enjoy – whether you are taking the lessons or actually going on the water, never forget that you are on a holiday. The purpose of a kitesurfing holiday is to give you fun and relaxation, not add to your stress by pressuring you into learning a new activity. Try to have fun when you are learning how to kitesurf. Actually, most kitesurfing coaches or schools would probably make the training experience quite good for you. Once you know the basics, then you can truly enjoy yourself.

4) Be safe – Make sure that you follow the safety guidelines proscribed by your trainers and the beach officers. This would allow you to minimize the chances of an accident. Check the weather forecasts to see if any sudden changes in the weather are expected.

5) Location, location, location – Being on a kitesurfing holiday, you might be given the opportunity to explore different locations. This is especially so if you are a beginner. New locations will challenge you, as well as give you ample opportunity to enjoy yourself. Just make sure that you don't do anything stupid like surfing without the right training.

6) Other activities – although kitesurfing holidays revolve around, well, kitesurfing, that is no reason for you not to explore other activities. After all, what's with going on a beach holiday without swimming? The excitement of kitesurfing can only do so much to ease your boredom. Make sure that you also have other activities planned in order to get the best holiday ever.

Kitesurfing is rapidly gaining popularity all over the world. Going on a kitesurfing holiday can indeed be a great idea. However, you have to keep the tips above in your mind. This way, you can have fun without the danger.