Sunday, September 9, 2012
SACRAMENTO MORTGAGE UPDATE
You know those headline mortgage rates you see advertised? They are becoming more elusive each week. While rumors still circulate about the coming of 3 & 4% mortgage rates, don’t bet on it. More importantly, don’t wait. Last week’s spate of bad economic reports did little to help rates, and while Freddie Mac’s Primary Mortgage Market Survey yesterday reported a weekly average of 5.11% at .7 points, Freddie also noted the reversal of the recent downward trend.
To further complicate the picture in ways indecipherable to the general public, Fannie Mae and Freddie Mac rolled out new Loan Level Price Adjustments this week. Refer to by mortgage professionals as “ads” or “hits” (to the rate), these new adjustments harshly penalize investors, home owners seeking cash-out refinances, and anyone with a sub-740 Fico score.
Also, the new High Balance Conforming loans–those lying between $417k and $475k–have even harsher adjustments. So while these “jumbo conforming” loans offer rates much lower than the regular jumbo loans, they have guidelines that are squeaky tight when compared to sub- $417k conforming loans.
Get pre-approved well in advance of writing an offer so that you know the water temp before you dive in. And if you’re refinancing, have us do some homework to make the equity is there to complete the loan before you spend money on the appraisal.
Thursday, December 29, 2011
Seeing Double – How to Set up Dual Monitors on One Computer
Having two of something is always better than one. The same goes for dual monitors on a single PC. In fact, professional graphics designers make sure to use dual monitor systems to cut their workload in half. However, you would still have to properly set the monitors up in your computer system in order for them to be compatible with them.
Graphics designers are no strangers to these types of scenarios. They always need enough space to create their design ideas. Some software, like Photoshop and Dreamweaver, are so extensive that it becomes necessary to use multiple monitors to keep track of things all at once.
A user tends to open up many applications at once thinking that doing so might allow him to deal with multiple tasks at the same time. While this is true for common users, the same becomes a tiresome ordeal for graphics designers who find minimizing and maximizing extensive charts arduous and time consuming.
If you happen to be a professional web designer, knowing the advantages of multiple monitor systems can help you decide on whether you want them yourself –
- A dual monitor system can give you the liberty of designing your websites on one screen and edit them on the other. This means that you won’t have to switch between different applications continuously.
- Other than that, you can also designate a single monitor for emails only.
- Utilize one monitor to browse the internet for ideas while you create your websites on the other one.
Dual Monitor Setup on Desktop Computers
Most of today’s computers are designed to be compatible with dual monitors without having to use any extra hardware. However, if your own system happens to be old, you will need to have some new or extra graphics cards installed. You can check the back of your PC to see whether your video adaptor can use both DVI and VGA. It can either have both or one of them. If it does, then the set up will be easy. Your computer systems will probable change your settings to accommodate two monitors as well.
On Laptops
Like new computers, most laptops are also designed to support multiple monitors. If you happen to have one of your own, all you have to do is to connect the extra monitors at the back via the VGA or DVI connector. Restart your computer as soon as you do and your computer system will take it from there.
You will need to change how your Windows program mirrors your laptop desktop to external monitors. This is necessary especially if you want to drag new windows onto other monitors. In other words, you will need to duplicate your desktop on all available displays. This will come in handy for presentations especially on a projector. You can also use multiple applications on one monitor while you give presentations on the other all the while creating your designs on your laptop’s original screen.
Wednesday, September 7, 2011
Ambassador Ali al-Essawi resigned
by admin On February - 21 - 2011 - list your condo for rent for free
The ongoing protest against Libyan government that were started last week still underway .Dozens of people have been killed in Libya’s protests due to strong crackdown by the government but protestors still wants Moammar Gadhafi to leave .In view of Libya Protests the Libya’s ambassador for India have resigned today in protest due to unethical crackdown on demonstrators in Libya.
BBC has confirmed the news on their Arabic web site that Ambassador Ali al-Essawi accused government steps to curb the protest was totally unjustified.
The ongoing protest against Libyan government that were started last week still underway .Dozens of people have been killed in Libya’s protests due to strong crackdown by the government but protestors still wants Moammar Gadhafi to leave .In view of Libya Protests the Libya’s ambassador for India have resigned today in protest due to unethical crackdown on demonstrators in Libya.
BBC has confirmed the news on their Arabic web site that Ambassador Ali al-Essawi accused government steps to curb the protest was totally unjustified.
Libya Protest agaist Moammar Gadhafi is underway
Posted by admin On February - 20 - 2011
After the strong opposition in Egypt against long time ruler Hosni Mubarak now in Libya same is under way from last week. Moammar Gadhafi leading the Libya for some long that and now Libyans are fed up with their administrator.
Today on Sunday common people also reiterated to continue the protest and Benghazi become the most violent area due to clashes. According to anti-government they have waited all night outside city ready to protest again without being afraid of tear gas and bullets had been used on them by the Government.
One of the protestor without disclosing name said “Our Goal is simple and want Gadhafi to go because we want freedom and Democracy”. It appears that Gadhafi will leave soon as we have seen same incident in Egypt when Mubarak was so reluctant to leave and finally bow in front of Egyptians.
After the strong opposition in Egypt against long time ruler Hosni Mubarak now in Libya same is under way from last week. Moammar Gadhafi leading the Libya for some long that and now Libyans are fed up with their administrator.
Today on Sunday common people also reiterated to continue the protest and Benghazi become the most violent area due to clashes. According to anti-government they have waited all night outside city ready to protest again without being afraid of tear gas and bullets had been used on them by the Government.
One of the protestor without disclosing name said “Our Goal is simple and want Gadhafi to go because we want freedom and Democracy”. It appears that Gadhafi will leave soon as we have seen same incident in Egypt when Mubarak was so reluctant to leave and finally bow in front of Egyptians.
The Prestige
Having watched ‘The Prestige’, I had remembered the show ‘The Magic of David Copperfield’ which led to David becoming a famous magician and entertainer for his seamless displays of magic.
‘The Prestige’ a movie of mysterious story of 2 magicians from their friendly relationship evolves into a bitter rivalry. Their feelings of obsessive, jealousy had making them enemies for life and lead them on a life-long battle. The movie showed some of the act and tricks behind every performance of a magic show, the consequences behind the stage that may be happening. The illusions scale that you can’t think of…
After the act in ‘X-Men’ and ‘Batman Returns’, both actors Hugh Jackman and Christian Bale played an active role again in this movie, star as Angier and Boden respectively. Both are my favorite actors. :P
‘The Prestige’ is full of twists and turns, not as fantastic as ‘Harry Porter’ with his fascinating power and his never ending battle against a powerful wizard Lord Voldermort nonetheless the movie managed to keep me watching..
‘The Prestige’ a movie of mysterious story of 2 magicians from their friendly relationship evolves into a bitter rivalry. Their feelings of obsessive, jealousy had making them enemies for life and lead them on a life-long battle. The movie showed some of the act and tricks behind every performance of a magic show, the consequences behind the stage that may be happening. The illusions scale that you can’t think of…
After the act in ‘X-Men’ and ‘Batman Returns’, both actors Hugh Jackman and Christian Bale played an active role again in this movie, star as Angier and Boden respectively. Both are my favorite actors. :P
‘The Prestige’ is full of twists and turns, not as fantastic as ‘Harry Porter’ with his fascinating power and his never ending battle against a powerful wizard Lord Voldermort nonetheless the movie managed to keep me watching..
Wednesday, August 31, 2011
Real estate investing, the checkboxes for investing in a good Denver Furnished Apartment
Denver Furnished Apartments
Real estate can be a great investment. It was mostly thanks to appreciation in houses bought for just a few thousand dollars and later sold for hundreds of thousands that the Greatest Generation could afford their great retirements; and some of the world’s biggest fortunes have been built on owning real estate.
This can be true in spades for rural land. We have already told the story of one family who enjoyed their rural land for twenty-five years and then sold it off for millions of dollars; and their happy story is repeated daily.
But not all rural land will appreciate. Some may even decline in value, so if you hope to invest in rural land, you can’t settle for just any old parcel because you love the trees and views. Beyond checking out its access and zoning and making sure that it is free from pollution, you’ve got to be a savvy strategic investor. Here are some thoughts to be applied when you find a rural parcel that seems ripe for investment: Denver Furnished Apartment
• Think investment! Don’t rely on future luck to make you money, but instead always begin with the end in mind.
• Buy in advance of likely future growth. Land just outside the developing ring of a growing city is your best investment, while land in the boonies of a state that people are fleeing for happier climes might see no appreciation at all.
• Look at road patterns. The best land investments are those so close to present or future major roads that the land can be easily reached, but still far enough away that they suffer little in the way of freeway noise. A visit to the planning office of a town or city where you hope to buy your land can yield a wealth of information about future changes in roads and infrastructure.
• Look for the right kinds of water. In most states, surface water is the biggest real estate amenity, so bordering on or containing a clean pond or lake can increase a parcel’s value. Abundant pure subsurface water that can be tapped with reasonable ease is another positive factor. But wetlands and swamps can make the land useless, so make sure that whatever is not a real body of water is almost all true upland.
• Favor road frontage. In most states, frontage on developed roads can be broken into lots and sold easily, while interior land cannot be developed without first putting in roads and infrastructure. Limited road frontage is not a barrier to buying if everything else about the land is a “go”; but in general, the more road frontage, the better.
• Have a holding-period use planned for your land. Unlike stocks or bank accounts, rural land is a financial drain, so it is foolish to buy even a likely-looking parcel unless you can use it while it is appreciating. Living or vacationing on the land is best; but if you can’t do that, then see if you can maybe lease it for grazing or hunting. Paying taxes and interest on unused land that appreciates at ten percent per year is going to mean that your return is close to zero.
• Have an eventual economic use for the land in mind. Nobody will hold you to it, but when you begin to think seriously about buying, you ought at the same time to be thinking about selling. Will this land eventually be platted for housing? Is it close enough to freeways for multi-family housing, or is it better suited to becoming ranchettes? Does it have commercial possibilities? Are there nearby parcels that might later be combined with it to increase the whole area’s value? For nearly all rural land, the ultimate best use is going to be some form of housing, but that doesn’t mean that you should immediately assume that is going to be your only option.
• Have a general holding period in mind. If your notion is to retire to your land and leave it only feet-first with a lily, that’s fine; that itself is a holding period. But too often, people hold onto land and pay interest and taxes on it year after year without any clear idea of when they will reap whatever is going to be its value.
• Buy it right. The old saying that you make your money when you buy is especially true for rural land. Study nearby values carefully, and try to pay as little as you can in relation to whatever you expect to make. So if you find a parcel with extraordinary investment possibilities and with very little risk, then you will be willing to pay more; but if the land is more speculative, then negotiate hard and be prepared to walk away. The fact that the land will give you little or no income makes buying it right a real imperative.
• Remember your Section 1031 option. This is such an important factor in the investment lives of rural landowners that we will be treating it separately, but for now just remember that real estate investments can be exchanged for other real estate investments without the need to recognize a capital gain. This means that if you own rural land that has appreciated mightily, you can sell it and buy other land or rental properties, and whatever you would have paid in capital gains tax can be kept and reinvested. The rules are strict, so if this idea interests you, then consult a knowledgeable attorney.
Rural land can be a great investment. If you do it right, you ought to be able to buy land that makes your heart beat faster, live on it for a decade or two, and then sell it for maybe enough to let you happily retire on another rural parcel, on the future outer ring of some retirement haven.
Real estate can be a great investment. It was mostly thanks to appreciation in houses bought for just a few thousand dollars and later sold for hundreds of thousands that the Greatest Generation could afford their great retirements; and some of the world’s biggest fortunes have been built on owning real estate.
This can be true in spades for rural land. We have already told the story of one family who enjoyed their rural land for twenty-five years and then sold it off for millions of dollars; and their happy story is repeated daily.
But not all rural land will appreciate. Some may even decline in value, so if you hope to invest in rural land, you can’t settle for just any old parcel because you love the trees and views. Beyond checking out its access and zoning and making sure that it is free from pollution, you’ve got to be a savvy strategic investor. Here are some thoughts to be applied when you find a rural parcel that seems ripe for investment: Denver Furnished Apartment
• Think investment! Don’t rely on future luck to make you money, but instead always begin with the end in mind.
• Buy in advance of likely future growth. Land just outside the developing ring of a growing city is your best investment, while land in the boonies of a state that people are fleeing for happier climes might see no appreciation at all.
• Look at road patterns. The best land investments are those so close to present or future major roads that the land can be easily reached, but still far enough away that they suffer little in the way of freeway noise. A visit to the planning office of a town or city where you hope to buy your land can yield a wealth of information about future changes in roads and infrastructure.
• Look for the right kinds of water. In most states, surface water is the biggest real estate amenity, so bordering on or containing a clean pond or lake can increase a parcel’s value. Abundant pure subsurface water that can be tapped with reasonable ease is another positive factor. But wetlands and swamps can make the land useless, so make sure that whatever is not a real body of water is almost all true upland.
• Favor road frontage. In most states, frontage on developed roads can be broken into lots and sold easily, while interior land cannot be developed without first putting in roads and infrastructure. Limited road frontage is not a barrier to buying if everything else about the land is a “go”; but in general, the more road frontage, the better.
• Have a holding-period use planned for your land. Unlike stocks or bank accounts, rural land is a financial drain, so it is foolish to buy even a likely-looking parcel unless you can use it while it is appreciating. Living or vacationing on the land is best; but if you can’t do that, then see if you can maybe lease it for grazing or hunting. Paying taxes and interest on unused land that appreciates at ten percent per year is going to mean that your return is close to zero.
• Have an eventual economic use for the land in mind. Nobody will hold you to it, but when you begin to think seriously about buying, you ought at the same time to be thinking about selling. Will this land eventually be platted for housing? Is it close enough to freeways for multi-family housing, or is it better suited to becoming ranchettes? Does it have commercial possibilities? Are there nearby parcels that might later be combined with it to increase the whole area’s value? For nearly all rural land, the ultimate best use is going to be some form of housing, but that doesn’t mean that you should immediately assume that is going to be your only option.
• Have a general holding period in mind. If your notion is to retire to your land and leave it only feet-first with a lily, that’s fine; that itself is a holding period. But too often, people hold onto land and pay interest and taxes on it year after year without any clear idea of when they will reap whatever is going to be its value.
• Buy it right. The old saying that you make your money when you buy is especially true for rural land. Study nearby values carefully, and try to pay as little as you can in relation to whatever you expect to make. So if you find a parcel with extraordinary investment possibilities and with very little risk, then you will be willing to pay more; but if the land is more speculative, then negotiate hard and be prepared to walk away. The fact that the land will give you little or no income makes buying it right a real imperative.
• Remember your Section 1031 option. This is such an important factor in the investment lives of rural landowners that we will be treating it separately, but for now just remember that real estate investments can be exchanged for other real estate investments without the need to recognize a capital gain. This means that if you own rural land that has appreciated mightily, you can sell it and buy other land or rental properties, and whatever you would have paid in capital gains tax can be kept and reinvested. The rules are strict, so if this idea interests you, then consult a knowledgeable attorney.
Rural land can be a great investment. If you do it right, you ought to be able to buy land that makes your heart beat faster, live on it for a decade or two, and then sell it for maybe enough to let you happily retire on another rural parcel, on the future outer ring of some retirement haven.
Tuesday, August 16, 2011
Buying Tips For a Solar Phone Charger
AUSTINCORPORATEHOUSING.ORG
There are many different kinds of solar phone charger products available, and sometimes the choices can be a little overwhelming. The truth is that there are many advantages of using a solar charger, but most people think these are out of their reach. It is true that such products like backpack or laptop case chargers are going to be a little expensive, at least a hundred dollars or more for a good one, if you don't need all this power, and just want something that is going to charge up your phone, you don't have to spend this kind of money. There are plenty of products that are going to be inexpensive.
Now most people when they think of a solar phone charger may go into one of their local electronics or mass marketing outlets. While they may offer some products, you will just not find the price, quality and selection you will online. Here are just some of the products available.
One solar phone charger is the Solar Charger, with a Metal stand. This not only charges your phone, but even your camera, and other small electronics. You can bring it just about anywhere there is some sun, set it up and start charging your phone right away. Its compact design allows you to be able to stick it in your backpack, your laptop case, or even in the glove box of your vehicle. The solar panel has an abundant 3 watt output, with a built in lithium battery. It can be charged in around 8 hours, depending one the quality of sunshine available. This unit, when fully charged can refill a phone up to three times or run an LED light for up to eight hours. This product costs just $24.99.
The Solar Micro Charger is another popular solar phone charger. Don't let the name fool you, this little charger puts out 5.5V of power, comes with a number of different adaptors, and is only 5.4"x.9"x3.1" in size. This is another ideal way to charge up your cell phones, iPad, GPS, and a number of other small devices, and this one costs just $45.
There are even solar phone charger products that can connect directly to your phone. One of them is the solar iPhone Silicon Charger. This product attaches directly to the back of your phone, has an indicator light so you know how charge up it is, comes with an on/off switch, as well as its own case. This phone charging systems fits many of the standard iPhone products, and sells for just $55.00.
These are just a few of the many different solar phone charger products to choose from. When buying, you want to make sure that you find the best prices, so that you can find one that fits into your budget. With a solar charger for your electronic devices, you will never run out of power, especially when you need it the most. These are ideal for not just around town, but when camping, or for emergency power in a pinch. Because they harness the sun's energy, you can have peace of mind that you are doing your part to help save our planet.
There are many different kinds of solar phone charger products available, and sometimes the choices can be a little overwhelming. The truth is that there are many advantages of using a solar charger, but most people think these are out of their reach. It is true that such products like backpack or laptop case chargers are going to be a little expensive, at least a hundred dollars or more for a good one, if you don't need all this power, and just want something that is going to charge up your phone, you don't have to spend this kind of money. There are plenty of products that are going to be inexpensive.
Now most people when they think of a solar phone charger may go into one of their local electronics or mass marketing outlets. While they may offer some products, you will just not find the price, quality and selection you will online. Here are just some of the products available.
One solar phone charger is the Solar Charger, with a Metal stand. This not only charges your phone, but even your camera, and other small electronics. You can bring it just about anywhere there is some sun, set it up and start charging your phone right away. Its compact design allows you to be able to stick it in your backpack, your laptop case, or even in the glove box of your vehicle. The solar panel has an abundant 3 watt output, with a built in lithium battery. It can be charged in around 8 hours, depending one the quality of sunshine available. This unit, when fully charged can refill a phone up to three times or run an LED light for up to eight hours. This product costs just $24.99.
The Solar Micro Charger is another popular solar phone charger. Don't let the name fool you, this little charger puts out 5.5V of power, comes with a number of different adaptors, and is only 5.4"x.9"x3.1" in size. This is another ideal way to charge up your cell phones, iPad, GPS, and a number of other small devices, and this one costs just $45.
There are even solar phone charger products that can connect directly to your phone. One of them is the solar iPhone Silicon Charger. This product attaches directly to the back of your phone, has an indicator light so you know how charge up it is, comes with an on/off switch, as well as its own case. This phone charging systems fits many of the standard iPhone products, and sells for just $55.00.
These are just a few of the many different solar phone charger products to choose from. When buying, you want to make sure that you find the best prices, so that you can find one that fits into your budget. With a solar charger for your electronic devices, you will never run out of power, especially when you need it the most. These are ideal for not just around town, but when camping, or for emergency power in a pinch. Because they harness the sun's energy, you can have peace of mind that you are doing your part to help save our planet.
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