A Quick Guide to Using Mortgage Refinance Calculators (part 2 of 2)

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Current Monthly Payment
How much are you paying every month for your existing loan? Make sure you input the total figure and not just the interest or the amount of money you pay to deduct from the remaining loan balance.

Balance Left on Mortgage
If your creditor can’t provide the exact figure then don’t worry because this is fairly easy to compute. First, determine how many months you’ve been paying your loan dues. Now, deduct the amount of interest expense from your total monthly loan payment. Multiply the difference with the number of months you’ve been paying. Lastly, deduct the product from the amount of money you originally borrowed and the result will be the remaining loan balance.

Interest Rate
Mortgage refinance calculators will also require you to input the interest rates for your current and possibly second mortgage.

Loan Terms
Also for comparison, a mortgage refinance calculator will require you to indicate the number of years you’re allowed to pay off your second mortgage as well as the number of years left on your existing mortgage.

How Much It Costs
This is the second category of figures used in mortgage refinance calculators and most of the figures used here could be provided by your future creditor.

Application Fees and Costs
Some mortgage companies charge borrowers with application fees, but this may be waived if you’re eligible for a pre-approved loan. Other fees that may or may not be waived include document preparation, inspection, title search and insurance, credit check, local and miscellaneous fees.

Attorney Fees
Costs for second mortgage may require you to pay for the fees of your attorney as well as that of the mortgage company.

Step 5 Calculate
Upon keying in the necessary data, click Calculate or Enter in your mortgage refinance calculator and you’ll find out how much your new monthly payment is, how much you’re saving and how many months you can recoup your expenditures.

A Quick Guide to Using Mortgage Refinance Calculators (part 1 of 2)

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Mortgage refinance calculators can seem complicated for first-time users but this guide will help you get the figures you need.

Step 1 Choose the right source.
The best mortgage refinance calculators are those provided by unbiased websites. If you see a link to any mortgage company in the website then there’s a good possibility that the free online mortgage refinance calculator you’re using is rigged to give results favorable to the company.

For more accurate results, you should also consider purchasing software that allows you to install your own mortgage refinance calculator in your computer.

Step 2 Choose the right type.
There’s a lot of mortgage calculators available in the Internet so do make sure you’re using the right one. Mortgage refinance calculators may also be known as second mortgage calculators. Some are also specially designed to work with fixed rate mortgages while others are designed to compute rates for variable rate mortgages.

Step 3 Get your data ready.
For quick results, make sure you’ve got all your data ready. Have a list of quotes from different mortgage providers. Be sure that you also know every pertinent figure regarding your existing mortgage as well as the various fees you might be charged with for taking out a second mortgage.

Step 4 Input figures.
Now that you’ve got everything you need on hand, it’s time to input your figures.

Savings from Refinancing
There are usually two major categories used in mortgage refinance calculators. The first category requires you to input the necessary figures to compute how much you can save from refinancing.

Mind Mapping Info (part 2 of 2)

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Have you tried applying mind mapping to determine the outcome of certain actions? Manufacturers of various consumer products take a lot of time in weighing things. These manufacturers know that the internet can help them a lot in marketing their products but they still need to see if it’s a profitable endeavor. If the manufacturers don’t find it profitable, then they will not advertise their products online but if they find it profitable, they will need to determine the possible expenses and the time it takes to set up an online site to market the products. After the concerns are answered, other things will come up.

So, are you getting a good picture of how mind mapping is carried out? A certain action or decision depends on a certain factor; and in order to determine the correct answer, you will need to consider the answer to a previous query. Through mind mapping, you can easily illustrate certain actions and their possible consequences. By doing so, you can immediately forecast the outcome.

When you make a decision, you will often encounter outer forces which can be responsible for some changes in the outcome. How do you respond to such forces and changes? By answering this question, you might be able to highlight the unrecognized linkages.

Once you master mind mapping, complex situations can be simplified so that you can arrive at the best possible decision. All the possible consequences to a certain action can also be determined; at the same time, you can uncover linkages. Practice mind mapping now so that you can face any situation, no matter how hard it is.

Mind Mapping Info (part 1 of 2)

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Oftentimes, when you have a project, you can’t avoid having ‘if’ questions in your mind. Most individuals are like that and so they try to come up with solutions or alternatives to answer those ‘if’ questions. Are you one of them? If you are, then you will benefit a lot from this mind mapping info.

When you’re doing something which involves high stakes, it’s natural for you to draw some kind of diagram so that you can visualize the obstacles ahead while seeing your ultimate goal at the end.

The diagrams you drew may be very simple lines or complex models but whatever it looks like, it can be considered as mind maps. Through the diagrams, one can easily make good decisions or better yet, make complicated decisions easier. Another important thing is, the diagrams can be an effective system or way for better and effective communication.

There are three ways to effectively communicate through mind mapping. One is to show the components of difficult situations; second, it gives you the idea of the possible outcomes of certain actions; and third, it highlights unrecognized linkages.

A typical example is maintaining your very own website. If you’re utilizing mind mapping, you will usually draw diagrams of boxes and some lines representing the connections. Even if you have a simple website, it is sometimes difficult to track the connections and hierarchy. But what if you need to work with several complex situations? Do you think you can handle such task?

If you’re asked to explain mind mapping to another person, you might find it quite hard but did you know that with a visual component outline, you can effectively communicate even the most complex relationships and structures?

There’s More to Discover on a Lake Tahoe Vacation (part 2 of 2)

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As the geologic formations began to take shape, eruptions from the now-extinct volcano Mount Pluto formed a dam on the north side, as melting snow filled the southern and lowest part of the basin to form the ancestral Lake Tahoe as rain and runoff added more  water to the lake.

Lake Tahoe was shaped and landscaped by scouring glaciers during the Ice Ages, which began a million or more years ago and is fed from 63 tributaries with the Truckee River as the main and only outlet.

The Truckee flows northeast through Reno, Nevada and into Pyramid Lake, which has no outlet.

The soil found on the basin come primarily from andesitic volcanic rocks and granodiorite, with minor areas of metamorphic rock.

Some of the valley bottoms and lower hill slopes are covered with glacial moraines, or glacial outwash material derived from the parent rock.

With the great depth of Lake Tahoe, as well as the locations of the normal faults within the deepest portions of the lake, suggests that earthquakes on these faults can trigger tsunamis with wave heights predicted to be around 10 to 33 ft in height, capable of traversing the entire lake in just a few minutes.

This may be evident with the massive collapse of the western edge of the basin that formed McKinney Bay around 50,000 years ago which was thought to have generated a tsunami wave with an estimated height of no less than 330 ft.

Although Lake Tahoe is a natural lake and with most areas consider protected, it is also used for water storage by the Truckee-Carson Irrigation District, for which the lake level is controlled by a dam at the Truckee River- the lake’s only outlet- at Tahoe City.

The 6 foot high dam can increase the lake's capacity by 732,000 acre/ft.

So if you think that lake Tahoe is just a vacation spot, think again, there’s more to discover in a Lake Tahoe vacation.

There’s More to Discover on a Lake Tahoe Vacation (part 1 of 2)

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If one thinks that a Lake Tahoe vacation is simply just a respite from the hustle and bustle of a busy metropolitan life, there’s in fact more to discover in a Lake Tahoe vacation.

Aside from the fact that Lake Tahoe is a popular destination, getting to know the origins of Lake Tahoe can be as challenging as an extreme sporting adventure.

For starters, the Lake Tahoe Basin took form as a geologic block fault about 2 million years ago.

A geologic block fault is a fracture in the earth's crust causing blocks of land to move up or down, which is a primary cause of earthquakes.

It is this fault movement where uplifted blocks created the Carson Range on the east and the Sierra Nevada mountains on the west, while the down-dropped blocks, also called a graben, created the shear between the Sierra Nevada Microplate and North America.

On the other hand, the Lake Tahoe basin is formed by a series of large down-to-the-east normal faults, including the West Tahoe and Dollar Point fault, the Stateline and North Tahoe fault and the Incline Village fault.

Most of the highest peaks that can be found of the Lake Tahoe Basin that formed during the creation of process of Lake Tahoe creation are Freel Peak at 10,891 ft, Monument Peak at 10,067 ft, Pyramid Peak at 9,983 ft in the Desolation Wilderness and Mount Tallac at 9,735 ft.

Kitesurfing Safety Tips (part 2 of 2)

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Use appropriate kite for your experience level. As a rule, ride within your skill level. Overpowered riding is very dangerous. Do not ride on strong winds with too large kite. Also, use the kite on wind conditions and speed that are specified by the manufacturer.

Check the weather forecast. This goes to anyone regardless of the skill level. Knowing the wind speed and direction is critical to determine whether it is safe to kitesurf or not.

Pay attention to the changing weather condition. Aside from taking note of the weather forecast, be aware of the changing weather while you surf. Wind speed and direction should be monitored carefully. Watch out for the sudden gust of strong winds as it can throw you off balance and carry you off to places you don't plan to go.

Launch and land the kite with care. Most accidents happen on shore or when the rider is about to enter or leave the water. If the kite is on air, do not spend time on the shore. Once the kite is in the air, leave the beach right away. When coming in, land as fast as possible. Keep the kite low when on shore.

Never hit the water without a safety knife. Tangles often happen when the kite is hit by a wave or a sudden gust of wind. This is very dangerous since the rider cannot control the direction of the kite. Also, tangled lines can cause serious injuries and deep lacerations to the body, fingers, toes, and limbs.

Under no circumstance should the rider allow himself or any part of his body to be encircled by the lines. Cut immediately using the safety knife to escape being caught by the lines.

Finally, fatigue can cause danger to the kitesurfer. When you feel that you are getting tired riding, go back to the shore and take a rest.

Do not take chances. Kitesurfing should be fun but it should also be done safely. Seriously, never attempt to do anything stupid.