Real Estate

RATES ARE LOW But is refinancing a bad idea?

Record low interest rates create another refinancing boom. Banks and brokers profit big time, but what about you and me? Just because you lower your interest rate doesn’t mean you’re saving money. Refinancing could look good and still hurt you. Refinancing can sometimes save you thousands of dollars and get you closer to your goals,…

Sports

Cat Bites – Dangers and Diseases

Myth: You can’t get a disease from your own cat’s bite. Done: Anyone can get an infection from any cat bite. Cats carry a germ called Pasteurella multicidal in the mouth, a bacterium that can cause serious infections in humans. Both humans and animals have mouths full of germs, but normally the body’s own immune…

Tours Travel

What happens if I don’t file for bankruptcy?

Not filing for bankruptcy can, in many cases, have more lasting consequences than filing for bankruptcy. Most of my clients ask, “What if I don’t do anything?” There are many opinions on the subject and the credit industry spends billions stigmatizing bankruptcy as a means of finding relief from a mountain of debt, foreclosures, foreclosures…

Technology

Digital music file formats

An uncompressed digital music file (such as a music CD) uses 10 MB or more per minute (at least 30 MB for a 3-minute song). These files should be compressed to the most common levels of 3-5MB per song. Compression rearranges the sequence of numbers, sometimes discarding less significant information, to reduce file size. The…

Home Kitchen

Pros and cons of zinc countertops

The use of zinc and other metals for countertops and a variety of kitchen surfaces is an emerging trend. Brings a warm look to the kitchen. The color of zinc is more similar to pewter and is nothing like stainless steel. The finish is actually reminiscent of the more opaque look unique to bullet metals….

Auto

Surviving James Dean (Book Review)

When I saw “Surviving James Dean” on the shelf, I felt like I had to reach for it, probably just to remember. James Dean was the idol of my adolescence, although he did not captivate me much. My cousin, however, married her first husband because she looked, walked, and acted exactly like James Dean. When…

Relationship

The 7 best Christmas toys

Finding out what the top 7 Christmas toys are is very important if you want your child’s Christmas season to be super special this year. Fortunately, there are some great options that you’ll definitely want to put under the tree for Christmas 2008! Get ready, this list is the only one you will need this…