Thursday, March 22, 2007

Refinancing a Mortgage

Different states have different rules about these things so Florida Mortgages are different from California Mortgages for example.

However, it's always true that mortgage refinancing (sometimes known as mortgage refinance) can help you in your pursuit of your financial goals.

It could be that you can refinance upon better terms, thus cutting your monthly payments: this is really something for nothing. You might also want to extend the term of the loan. This will cut the monthly payment while making you pay it for longer. Or, you might simply want to take out some of the equity you have to spend on something else.

Worth looking into: I've just done it myself, using the money to buy a second home.

Disclosure Policy.

Wednesday, March 21, 2007


Now this is interesting, a new service called Fliptrack. It makes life aq lot easier and also solves one of the great legal problems we have in this new digital age.

The first thing is that it makes it easy to create a video. You take your photographs, of someone, or an event, and upload them into the Fliptrack system. Their tools then make it easy for you to create a slideshow of those photos, mimicking a video.

That's excellent, it's a lot easier than doing video editing, of course. Then you can share that still/video that you've created across the net. Also excellent.

But the part that's really important I think is that they've started to sort out the problems over digital rights to the music you might use on such a video.

Rather than using some piece of music and just hoping that no one will sue over it, they've gone out and got the digital rights to hundreds of pieces of music. I think this a huge advance and it's definitely worth checking out the Fliptrack system.

Monday, March 19, 2007

Just Say Hi!

The dating game is simply something that seems made to measure for the web. It's one of those businesses (in the extended meaning of the word) which has been hugely held back in the past because of the transaction costs. It had to be based on print magazines and newspapers, and these are expensive to produce and distribute. That very cost also precluded adding photographs or anything but the most limited of details.

Then along came the web and internet personals were suddenly big business. Transaction costs had fallen to nearly zero. This is, from an economist's point of view, what has driven the success of places like Yahoo Personals. At minimal cost people could now search amongst all of the details available and thus have a much better chance of making a match.

Excellent of course, more people getting what they want. But success breeds competitors of course which is what has led to Just SayHi! , a competitor in the market for online personals.

The unique point here is that it is free, entirely and forever free. Not even a credit card is needed to search for whatever might take your fancy.

Well worth clicking through one of those links to have a look see at what it's all about.

Sunday, March 18, 2007


One of the problems we all face is that we know we need to buy insurance, but we never really get around to it properly. In fact, most of us a grossly underinsured by any reasonable standard.


One reason for this is that going out and looking for it is a real pain. It takes time, you're subject to and endless series of sales pitches from glib characters and it is, in effect, all so damn boring.

Which is there the net can help out. Firstly, we can go looking for our necessary life insurance quotes without actually having to leave home. Much more convenient that. Secondly, we spared the salesmen, we just get the quote on our car insurance delivered to us. Thirdly, once we've got all of our household insurance quotes we can actually read them, find out what is really being offered and make a decision without any pressure.

Thank goodness Al Gore really did invent the internet (and Tim Berner's Lee the Web) so that we can in fact buy these essentials at our own pace and, blissfully, without having to deal with insurance salesmen.