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Blog ini ditulis oleh Fico Humam Maulana. Refleksi atas pengalaman di dunia usaha dan kehidupan. Semoga bermanfaat.

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Tuesday, April 27, 2010

Refinancing with an Interest Only Mortgage

Interest only mortgages are a relatively new phenomenon in the refinancing home mortgage industry as well as the home buying industry. While the appeal of an interest only mortgage is typically a greater monthly cash flow, this increased cash flow can come with a hefty price tag. In exchange for more cash flow each month, the homeowner may be sacrificing the ability to obtain a fixed rate mortgage as well as the ability to build equity. This article will further examine these features to provide the reader with more information on the subject of interest only mortgages.

Greater Monthly Cash Flow

The one main advantage for many homeowners in an interest only mortgage is the ability to increase monthly cash flow. Homeowners who re-finance by utilizing an interest only mortgage will likely have more money available each month because they will only be paying interest on their mortgage initially. The reduction of the principal payment can make it easier for the homeowner to either afford a larger house or have the ability to live more extravagantly on their budget. However, there is often a significant price to pay for these types of re-financing options.

While interest only loans may not be ideal, they can be beneficial in the situation where the homeowner is having a great deal fulfilling his monthly obligations. In this case, the homeowner may be willing to sacrifice an overall financial loss for the ability to continue to pay monthly bills in a timely fashion.

Unknown Risks of an ARM

Interest only re-finance loans are typically offered with an adjustable rate mortgage (ARM) this means the interest rate is not fixed and may fluctuate with the rise and fall of the prime index. This risk can be quite costly for the homeowner if the interest rate rises significantly. There is usually a cap placed on the amount, in terms of percentage, the interest rate can rise in a certain period but this can still be a very costly mistake for the homeowners.

An ARM re-finance option with an interest only component may be worthwhile in some situations. For example if the homeowner has a hybrid mortgage which features a fixed interest rate during the interest only portion and an ARM during the principal and interest portion of the loan they might benefit from this situation if they do not plan to stay in the home for longer than the interest only period. This period may vary depending on the lender and the circumstances. Homeowners who plan to sell the house before the interest only period ends and the ARM period begins enjoy the benefits of lower monthly payments and the security of fixed interest rates before they ever have to worry about repaying the principal or dealing with the varying interest rates.

No Equity in the Home

Another disadvantage to the interest only refinancing loans is they do not allow the homeowner to build equity in the home during the initial period where only the interest on the loan is repaid. This can be a problem for homeowners who are looking to profit through the sale of their home. These homeowners may find the participation in an interest only re-finance has had a damaging effect on the profit they are able to generate from the resale of their home.



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Wednesday, March 31, 2010

The Teeth Whitening Procedure

There are many methods used for teeth whitening. You can opt to do your teeth whitening at home with a kit you can buy at any drugstore or even one that can be bought from your dentist. There is also a bleach teeth whitening procedure that your dentist will do in his office. The newest procedure for whitening your teeth is the laser method and this too is done in the dentist’s chair.

A dental officer and his assistant remove the ...Image via Wikipedia


What to Expect with the Laser Bleach Teeth Whitening Method

A teeth whitening gel is used in conjunction with a laser instrument. A bleaching gel that is translucent will be applied to your teeth. The gel is infused with crystals and a laser light will be used in order to activate those crystals. They in turn absorb energy from the laser light in order to penetrate into the enamel to increase the teeth whitening effect.

Often your regular dentist doesn’t perform laser bleach teeth whitening; rather a dentist schooled in cosmetic dentistry is the one to perform the procedure. How long it will take in order to whiten your teeth will depend entirely on how discolored and stained your teeth are at present.

What are the Advantages and Disadvantages to the Procedure

Typically it takes just a single visit to a cosmetic dentist in order for your teeth to get lighter. A brilliant smile is the best advantage to having a teeth whitening procedure done. Though you may not have ivory white teeth, they will in fact be much brighter than when you walked into the office. Having whiter teeth will give you more self confidence and you won’t feel the need to hide your teeth when you smile.

One disadvantage to the laser teeth whitening procedure is the results are quite dramatic and those that know you well will see an immediate difference in the color of your teeth. Another disadvantage may be the high price involved as the laser bleaching technique is the most expensive of teeth whitening procedures. On the other hand, it is the fastest method to a great smile.

Just How White Can Your Teeth Get?

The teeth whitening procedure cannot perform miracles so if your teeth are discolored because of heavy smoking, coffee or cola beverages, you can rest assured that they will become brighter. There is no set standard in the field of cosmetic dentistry for labeling the color of your teeth but one standard that is often used is called the Vita shade guide. There are four ranges of shade in the Vita guide and they are:
• A- a reddish brown shade
• B- this is a shade of reddish yellow
• C- only gray is in this shade range
• D- the final shade range is reddish gray

When it comes to the A shade group there are five different levels of darkness. For B, C, and D ranges, there are just four different levels of darkness.

Another consideration is that not all of your teeth will be the same color. Eye teeth are usually the darkest of the teeth and your front teeth are often the whitest. Molars can land between the brightest and the darkest of your teeth. The goal for anyone having a teeth whitening procedure is to have their teeth looking as bright as possible and also looking natural.

When you consult with a cosmetic dentist, he will go over your expectations of the teeth whitening procedure and tell you what you can realistically look forward to. No matter what teeth whitening procedure you decide upon, the results for one person will not be the same for the next. How your teeth are structured and the amount of dental work you have had before as well as the teeth whitening procedure you choose will directly affect the end results.


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Wednesday, March 17, 2010

Laser Teeth Whitening

Is it really laser teeth whitening you are seeking or is it whiter teeth in one hour? What's the difference you ask? Well over the last 4 years or so we have seen a boom in the teeth whitening market. It is become a boomin industry due to many factors. Many people commonly refer to well known branded teeth whitening systems like Zoom or Britesmile as laser teeth whitening.

This is wrong, both systems actually fall into a category called light activated tooth whitening as there is no actual laser that whitens the teeth. Both systems are great and they work, so why pick one system over another? Britesmile was the biggest player in the market when they first hit the market, they spent millions of marketing dollars to build their brand through many sources of media. Many dentists jumped on board and were certified to offer this incredible whitening system. Soon after a company called Discus Dental started to become well known with their competitive system called Zoom. This new brand of whitening became very popular due to its exposure on the hit show Extreme Makeover.

The TV exposure Zoom received on the TV created a major demand for the system and prospective teeth whitening patients began to ask dentists if they offered it. Many practices began to offer Zoom and there was two main players in the 1 hour professional teeth whitening market.

What works better? Britesmile or Zoom?

The answer is they both work great and whiten your teeth fast. There was some indication that the original Zoom system created a bit more sensitivity but that varied between individual patients. Laser teeth whitening in the proper sense does create some sensitivity. So if Britesmile or Zoom both work well how to you determine who to go with for your whitening session. The individual dentists set the price they charge for the teeth whitening session. The variables that can affect the price are whether or not they include take home whitening kits for touch ups, whether they require a paid first visit to assess your teeth and how many uses of carbamide peroxide gel are included with the take home kits.

It is a relatively simple procedure to complete and its usually the practices hygienist that operates the system. Both companies certify their doctors and staff to ensure safe and proper use. If you are seeking laser teeth whitening, light activated tooth whitening should suffice and get you the results you desire although not in all cases. The best way to find out if this whitening will work for you is to book and appointment with a dental practice near you.

Laser Teeth Whitening - Choose light activated tooth whitening over lazer!

Find Teeth Whitening Dentists

Zoom from Discus Dental has now come out with the NEW Zoom Advanced Whitening, make sure you ask your dentist about this new and improved tooth whitening system. Whiter teeth is the number one reason why patients have cosmetic dentistry performed, professional whitening systems allow the dentist or his or her hygienist to whiten your natural teeth however the most permanent way to whiten a smile is through porcelain veneers.
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Thursday, February 11, 2010

Control diabetes – start avoiding white flour, white Salt, tea and coffee

White Flour

Wheat is the most common cereal used throughout the world for making bread. It is a good source of energy. With its essential coating of bran, vitamins and minerals, it is an excellent health-building food.

Wheat is usually ground into flour for use as food. However refined wheat flour constitutes a serious health hazard of the various processed foods being used today for their delicious taste, white flour (maida) is especially harmful. The colossal loss of vitamins and mineral in refined wheat flour has led to widespread prevalence of constipation and other related disgestine disturbance and nutritional disorders, particularly diabetes. The consumption of white flour is thus an important contributory cause of diabetes, and its aggravation, if the disease has already developed.

White Salt

Common salt or sodium chloride is a major factor in maintaining the acid base equilibrium of the body. It is also essential for the production of hydrochloric acid in the stomach. Thus, while a certain amount of salt essential for the body system, it is required in very small quantities, ranging from 10 to 15 g per day.

Excessive use of salt puts extra burden on the kidneys, may cause high blood pressure, which is closely linked with diabetes. Excessive intake of salt promotes water retention in the body, which in due course may lead to obesity, which is a potent cause of diabetes. Too much salt is thus harmful and may promote or hasten the onset of diabetes.

Salt (sodium chloride) and sodium preservatives are added to most processed foods. A sodium-controlled diet must avoid or limit salted snacks; pickles and many others processed convenience foods.

Tea and Coffee

Drinking tea and coffee is a serious health hazard for the diabetic. The most alkaloid principle in both tea and coffee is caffeine. Caffeine is an addictive drug similar to cocaine in as much as it stimulates the central nervous system. While these effects are short-lived, it has been observed that they lead to withdrawal symptoms of irritability, lethargy, headaches and anxiety. The daily intake of tea and coffee causes indigestion and gas formation, diarrhea, and constipation. They also increase the blood sugar level, which may lead to diabetes or aggravate its symptoms where the disease is already present.
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Sunday, January 31, 2010

How to Choose PC Games

If you are having a hard time choosing a pc game, here you'll find a way to get a good game and have fun.

1. Find out your system specifications.

2. Know what kind of games you like (strategy, action, adventure, racing, rpg, simulators, etc. Here is a brief rundown:
  • Strategy games: These are good for your thinking skills. They help you reinforce what you have learned. Some strategy games include: Age Of Empires, The Settlers, Company Of Heroes.
  • Action games: these are liked by many people. They get you into action and need a lot of concentration. Some action games include: Counter Strike, Command And Conquer, The Battlefield Series, Call of Duty.
  • Adventure games: These have a lot of fantasy, they get happiness to your heart. Some adventure games include: Assasin's Creed, Devil May Cry, Fable (also an RPG).
  • Racing games: These requires skill, when to speed and hold the brake, turn. Some racing games: Grid, Need For Speed
  • RPG games: These are the most played games around the world. They are usually online and a mix of strategy, action, adventure. Some rpg games include: World Of Warcraft, Guild Wars, Runescape, City of Heroes.
  • Simulators: These get you into the real world where you have to do things. Some simulators include: flight simulator and rail simulator.

  • Most games offer free demonstrations (known as demos). Try these first (before you buy).
  • Try different games to see which ones suit you the most. Sometimes you will discover some games suit different moods and times of day or night, so maybe you can mix up your choices a bit. It will also depend on what equipment you own to play the games with.
  • Always choose a game that is high rated.
    • Try the game before you judge it.
    • Try harder when you think you can.
    • Another good way is to first consult youtube incase you are still deciding
    You can use Some of the best pc game store in world wide to look for some reference.
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    Choose Dog Bed

    Many people want to make sure their family pet has just the right bed, but might not be willing to pay the (often quite hefty) price. It’s actually more difficult to find designer and luxury dog beds especially for oversized pets than it is to find discount dog beds for average sized animals. If you’re not too fussy about the design of the fabrics being used in the bed; if your dog is of average size and weight; and if her sleeping habits are not too extreme in the curling up or stretching out situations; you can probably save a lot of money when you purchase a dog bed that’s right for her.

    To begin with, a lot of the more expensive bed-makers change their designs just like clothing designers do for people, if not quite as often. The changes do result in closeouts and discontinued items being drastically marked down at pet shops across the country and on the Internet. Then there are the many pet supermarkets and discount retailers who carry a variety of comfortable beds, in a variety of colors at prices much reduced from the luxury beds available at upscale pet shops.

    Then there is always the option to go ahead and make your own dog bed. If you’ve got any sewing ability at all, (and for the most part, a dog bed is more about being comfortable and durable than about looking great) you can produce an average-sized, comfortable, washable dog bed for just a few dollars worth of fabric and filler material. Cut a couple of pieces of fabric – it can be from an old sheet, a shower curtain, or a nice comfy old bathrobe – and sew them together to make a pillow of the right size. Stuff it with filler material and you have a comfy, simple dog bed. You may also create a fancier dog bed with an upper ring by cutting a long rectangle of fabric and creating a tubular pillow to go around the edge. Then fasten the upper ring to the original base with hand stitching.

    You have just created a comfortable, washable bed for your dog made with love by your own two hands using a piece of fabric you’d probably throw away, some kind of filler material and a little bit of your precious time. What better way to save money and take care of your loving pet at the same time? You’ll enjoy the process of making the bed just as much as your pet will enjoy sleeping in it.


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    Tuesday, January 12, 2010

    How to reduce stress at home to make life easier


    Stress is a reason why a lot of people get sick, or end up in the hospital over. They either had a nervous breakdown or did some stupid like that. To avoid this from happening to you don't let things get to you as much as you do. It is all up to you to avoid letting these types of things to happen. Stress is what a lot of people go through in their every day life.

    There are a lot of ways to stop stress from happening to you or even your household. Don't worry about things until you find out for sure that if it is something to a thing to worry yourself about. Worrying about a lot of things is the main source of what causes stress.

    People worry about their future a lot. You cannot sit and worry about your future while you are focusing on the presents of your life now. Also bad things that have been bothering you that happened in the past is some thing that stresses people. Think about it you did it, it was a mistake, and it is over and done with now so why let it stress you out. Just think every one in this world makes mistakes. Life is way to short to worry the whole way through it. You will not enjoy life if you worry or stress over things every day.

    A good way to reduce stress at home with your kids is to do things everyday as much as possible. Fun things like going for ice cream go to a park, go to the movies, go bowling, and things that are fun like that. This will keep not only you, but also your children from getting stressed about things.

    A good way to reduce stress for yourself if you do not have any kids, is to go out with friends have a good time don't think about things while your out and about. This will help to keep your mind off of things, and keep you from having a lot of stress.

    There are certain times in life that there are no ways around being stressed about what is going on. Having a love one in the hospital for three months, loosing a family member, and different things like that. Those types of things are stressful, but you got other things to focus on The best thing that you could do for them people, is don't worry things will get better and pray for them.

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