Should You Pay Discount Points?

Every one loves a lower interest rate but should you pay the points a lender charges for the reduced rate? The likely answer is... not in every case. The answer is really a function of how long you'll remain in the property. A point is one percent of the loan amount and points can also come in a variety of fractions, ie. 1.5 or 2.25. In any event, just take the number as a percentage of the loan amount to determine the dollar value of the discount. A $200,000 loan with 1 discount point equals $2,000 that significantly increases closing cost. That's the first of three pieces to the puzzle. Next, calculate the principle and interest erictile dysfunction using the market rate, which is the rate if no points are paid. Then... calculate the payment again using the discounted rate, the rate associated with the payment of points.

The difference is your monthly savings by paying the point or points in some cases. Now, divide the value of the points by the value of the monthly savings to determine the number of months till you're even. Let's say that the answer is 60 months. Well, if you're in your dream home and no future move is planned, you may very well want to consider paying the points. On the other hand, if your job may take you elsewhere within 60 months, tell the lender thanks but....no thanks! Of course, if we find you a motivated seller then you might have your cake and eat it too! It's always nice to have a lower payment at someone else expense.

Don Anderson is a real estate broker in Knoxville, Tennessee and he can be reached 865-588-3232. www.knoxvillehouses.comhttp://www.knoxvillehouses.com

View Don's video "Finding The Equity Treasure" at www.knoxvillehouses.com/index.cfm/Equity-Treasure-4539.htmlhttp://www.knoxvillehouses.com/index.cfm/Equity-Treasure-4539.html

Web Video Conferencing in the New Millennium

Are you in need of something that can boost your business by more than half and still be able to save on the cost of production? Do you want to be able to monitor your factories and met with your staff on a regular basis though you are miles away from corporate? Web videoconferencing allows you to work on these things without having to worry about cost and impact on the business.

All that you need to do is just a website away. The need for expensive equipment has also been taken away since all the equipment you would need is inside the Internet and all of it is waiting for you. So let's start web videoconferencing.

So how exactly does web videoconferencing works? Well, like the name suggests its videoconferencing through the web or the Internet. A participant needs a computer to start off and Internet access. Basically that's all you need. Other things that auto insurance estimates or may not be necessary are web cams, web conferencing software and a website to conduct the virtual meeting. Usually websites may refer to URL's that act as the conference room for the meeting.

There are different kinds of web videoconferencing and different kinds of purposes. First one is the web meeting (web videoconferencing), this usual kind of web conference that let's participants interact in a controlled Internet environment. Usually CEO's and business executives have web meetings when they are out of town and on business. Not only can they visit their site often they can keep close tabs on people. Usually Web conferencing allow people on the go to keep up with the requirements of the office.

Live video is another kind of conferencing over the Internet or what young people call video chat. live video or video chat is just like text chatting only it's done through the web cam. Just like web video conferencing live video is more or less like it in purpose and setup. While web videoconferencing uses software to support the video format of the live video this is because of the limited number of formats that can be streamed over the web.

Another kind of web conferencing tool is VoIP or Voice over the Internet Phone. The concept of VoIP is no longer new to us. Some people have started using VoIP software and sites as their primary phone for business, personal and technology use. Because of it's virtual endless capacity to call inside and outside countries and not to mention computer call functionality.

That means even without a regular or mobile phone people can communicate anytime anywhere. Now if you apply that to whatever your web videoconferencing needs that you have, you are sure to get your money's worth.

And lastly a dedicated Internet website that would cater to all the web conferencing needs that you have. As the name mentions it is a dedicated server that acts as the conference room of your company and a gateway for all other video conferencing you will have even outside the company.

Since this is a new tool for your company to use in it's quest to become one of the best in the world, it would be wise to master all the requirements and the processes of web videoconferencing to reap the best results from it.

Magdi Mikhail
onlinesuccesspartners.com/default.cfm?PageId=80383Instant Video Recording/Conference Studio
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Florida Vacation Rentals Are the Ticket For This Years Big Game!

Consider Beach Vacation Rentals For the Big Game

This Year the road to NFL finale leads directly to the beautiful beaches of Tampa Bay and Super Bowl XLIII. Everyone in the Tampa Bay Beaches community is excited to welcome you and know you'll enjoy our rich history, year-round sunshine, white, sandy beaches and thrilling attractions.

If you are planning to attend the SuperBowl in Tampa at Raymond James Stadium February 1, 2009 at 6:00 p.m. EST then hopefully you know that the Tampa Region also boasts the Top Rated Beaches in the Continental USA.

Why spend Hundreds of dollars a night on hotel rooms in Tampa when the Gulf Coast Beaches, just 20 miles away from the stadium offer Sun, Sand and Convenience for less! Even if your goal is to come to the pre game parties in downtown Tampa and enjoy the nightlife available within the city, the gulf beaches are only a short drive away.

Want to really experience the area, wake up each morning to the sound of seagulls and surf then take a short drive into St Petersburg to see the Dali Museum and some great shopping. Then in the afternoon take a Sea Fishing trip or Dolphin Watching cruise. Crash back in your fully furnished accommodations before heading to the city for the nightly activities.

One example at www.IndianShoresVacation.comwww.IndianShoresVacation.com: you can get a 10 day rental, direct beach front, homeowners insurance bedrooms/2 bath with almost 1400 sq ft for just under $400 per night. Other sites include in the area include Florida Lifestyle Management and the Tampa Bay Beaches Chamber of Commerce site where multiple properties still have availability for one to three bedroom beach rentals. Compare Florida gulf vacation rentals to what local hotels are charging and you will see the value.

There are literally thousands of beach rentals available in this area. Check them out before you make your final plans for the Big Game.

Jim Swartwout is a blogger at floridagulfvacations.blogspot.comhttp://floridagulfvacations.blogspot.com