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Date: Thu, 3 Jan 2008 12:08:49 +0300
From: Andrew Pantyukhin <infofarmer@FreeBSD.org>
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Subject: console server using a modern 1U box
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What are the options? Should we go the USB->RS232 way or are
there PCI Express or PCI-X multiport cards supported by FreeBSD?
This is a telecom-ish environment, so ease of rackmounting is a
plus (consumer USB stuff is thus a PITA for us).

Any comment will be appreciated!

From owner-freebsd-isp@FreeBSD.ORG  Thu Jan  3 10:23:36 2008
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Hi,

Take a look at the Lantronix console servers.

Regards
--jm

On 03 Jan 2008, at 11:08 AM, Andrew Pantyukhin wrote:

> What are the options? Should we go the USB->RS232 way or are
> there PCI Express or PCI-X multiport cards supported by FreeBSD?
> This is a telecom-ish environment, so ease of rackmounting is a
> plus (consumer USB stuff is thus a PITA for us).
>
> Any comment will be appreciated!
> _______________________________________________
> freebsd-isp@freebsd.org mailing list
> http://lists.freebsd.org/mailman/listinfo/freebsd-isp
> To unsubscribe, send any mail to "freebsd-isp-unsubscribe@freebsd.org"


From owner-freebsd-isp@FreeBSD.ORG  Thu Jan  3 10:25:07 2008
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Hello Andrew,
i know PCI Express Moxa cards are supported on freebsd (they provide 
proprietary drivers): http://www.moxa.com/product/CP-104EL.htm

Anyway, i'm only using the ethernet to RS232 devices from Moxa, and they 
work pretty well.


Cheers,

Daniel

Andrew Pantyukhin ha scritto:
> What are the options? Should we go the USB->RS232 way or are
> there PCI Express or PCI-X multiport cards supported by FreeBSD?
> This is a telecom-ish environment, so ease of rackmounting is a
> plus (consumer USB stuff is thus a PITA for us).
>
> Any comment will be appreciated!
> _______________________________________________
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>   

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Subject: United Built Homes, Real Estate Listings - Property Search
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United Built Homes, Real Estate Listings - Property Search

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Subject: Martin Pelmore, How to Work out the Cheapest Credit Card?
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Martin Pelmore, How to Work out the Cheapest Credit Card?


With the rise in popularity of credit cards many are finding that they are
the best choice when it comes to online purchases, providing temporary
finance and also ensuring that you have an element of security that other
payment services offered by banks do not provide. Despite this, other
inherent disadvantages are causing many to choose not to contract with a
credit card service provider. Reasons for this include a fear of
accumulation of debt, rising figures in relation to identity theft and
credit card fraud, and also an inability to shift away from the archaic
?offline cash transactions? that they have been in the way of for so many
years. With careful planning and firm self-regulation credit cards can be a
valuable tool, with great results, however what most people lack is the
ability to really spot a deal. Follow these steps to ensure that you get the
cheapest credit card for your needs.

1. Work out how much you intend to spend with your credit card, each and
every month. 2. Work out how you will be able to pay this amount of money
back. 3. Calculate the risk factor involved in you getting into financial
difficulty. 4. Work out the best case scenario and the worst case financial
scenario that you will be in over the next 6 months. 5. Might be out of
work? If you run the risk of being out of work over the next 6 months, then
we recommend that you never allow your credit card balance to go below zero
at the end of each month. 6. Shop around and find all the cost-centers
associated with the credit cards that suit your needs. 7. Compare at least 3
credit cards, and consider how much they will charge you in total, based
upon the figures you worked out in step 4. Ensure that you include APR,
yearly fees (if they apply) and limited time offers. 8. Made a choice? Now
consider how reputable that company is. If they are a public limited or
listed companies then they are more likely to be reputable, this will also
apply if they are owned by a major bank. 9. Read the terms and conditions of
the company that you are considering working with. Remember that these terms
and conditions are legally binding, and they affect both you and the credit
card company. 10. Last chance! Before you get the credit card sent to you,
think over it one last time. Are you sure this is what you want to do? If
not, why not wait a while and come back to it in a few days? If you do go
ahead with it and you change your mind, you can always cut it up!

Credit cards provide many advantages to sensible people, who find credit
cards a great way to finance purchases, regulate merchant transactions and
complete purchases offline and online with no need for a pile of cash in
their wallet. Despite this, not everyone is as sensible, please ensure that
you only spend what you can afford, and in doing so get the best results
from your credit card.

 This article is written by Devin Gilliland publisher for credit-wisdom and
j

From owner-freebsd-isp@FreeBSD.ORG  Fri Jan  4 11:40:48 2008
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Subject: Are Your Teeth Temperamental?
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Greetings from Jeff Kelley, DDS!

Are Your Teeth Temperamental?

Dealing with Sensitive Smiles

Are you overly sensitive? Relax, I don't mean crying during life insura=
nce commercials; I'm talking about your smile=2E Millions of adults str=
uggle with hypersensitive teeth, meaning they are sensitive to hot and =
cold temperatures, very sugary or acidic foods and drinks and vigorous =
tooth brushing=2E This kind of sensitivity is often called "dentin hype=
rsensitivity=2E"

Dentin is the tissue that makes up the core of each tooth=2E Above the =
gum line, dentin is protected with a coating of enamel=2E Unfortunately=
, as enamel is worn away or decayed, dentin becomes exposed and recepti=
ve to sensations that cause painful nerve responses=2E This can also oc=
cur as the result of receding gums, a common symptom of gum disease=2E

So, what causes sensitive teeth? A number of things may be to blame=2E =
Over-zealous brushing with a firm bristled tooth brush or abrasive toot=
hpaste can lead to dentin hypersensitivity, as can gum disease, which i=
s the result of poor brushing and flossing habits=2E Your diet may also=
 play a role, as frequent consumption of acidic foods and drinks can ch=
emically dissolve tooth enamel=2E Finally, abnormal wear on tooth surfa=
ces from chronic clenching or grinding of teeth, nail biting and chewin=
g on hard objects can lead to sensitive teeth=2E=20

If you're already suffering from overly sensitive teeth, there are prod=
ucts that can help=2E Toothpaste designed for those with sensitive teet=
h can reduce the pain associated with the condition after only a few da=
ys of use=2E Also, be sure to stick with a soft-bristled toothbrush - h=
ard toothbrushes will only exacerbate the problem=2E Brush and floss da=
ily to maintain healthy gums and protect dentin from exposure=2E

Your continued good health is always our primary concern, so please con=
tact my office at (817)877-1651 or jakelleydds@sbcglobal=2Enet if you'r=
e suffering from hypersensitive teeth, another dental ailment, or are j=
ust due for your regular check-up=2E We'll take great care of you!

Best Regards,
Jeff Kelley, DDS

P=2ES=2E If you have any friends or family members who you feel could u=
se our services, please don't hesitate to have them call us=2E We'll be=
 sure to take good care of them=2E

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From owner-freebsd-isp@FreeBSD.ORG  Fri Jan  4 12:24:37 2008
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From: "Dr. Josh Leute" <drleute@familydentistportwashington.com>
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Subject: Are Your Teeth Temperamental?
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Greetings from Dr=2E Josh Leute!

Are Your Teeth Temperamental?

Dealing with Sensitive Smiles

Are you overly sensitive? Relax, I don't mean crying during life insura=
nce commercials; I'm talking about your smile=2E Millions of adults str=
uggle with hypersensitive teeth, meaning they are sensitive to hot and =
cold temperatures, very sugary or acidic foods and drinks and vigorous =
tooth brushing=2E This kind of sensitivity is often called "dentin hype=
rsensitivity=2E"

Dentin is the tissue that makes up the core of each tooth=2E Above the =
gum line, dentin is protected with a coating of enamel=2E Unfortunately=
, as enamel is worn away or decayed, dentin becomes exposed and recepti=
ve to sensations that cause painful nerve responses=2E This can also oc=
cur as the result of receding gums, a common symptom of gum disease=2E

So, what causes sensitive teeth? A number of things may be to blame=2E =
Over-zealous brushing with a firm bristled tooth brush or abrasive toot=
hpaste can lead to dentin hypersensitivity, as can gum disease, which i=
s the result of poor brushing and flossing habits=2E Your diet may also=
 play a role, as frequent consumption of acidic foods and drinks can ch=
emically dissolve tooth enamel=2E Finally, abnormal wear on tooth surfa=
ces from chronic clenching or grinding of teeth, nail biting and chewin=
g on hard objects can lead to sensitive teeth=2E=20

If you're already suffering from overly sensitive teeth, there are prod=
ucts that can help=2E Toothpaste designed for those with sensitive teet=
h can reduce the pain associated with the condition after only a few da=
ys of use=2E Also, be sure to stick with a soft-bristled toothbrush - h=
ard toothbrushes will only exacerbate the problem=2E Brush and floss da=
ily to maintain healthy gums and protect dentin from exposure=2E

Your continued good health is always our primary concern, so please con=
tact my office at (262)284-5884 or drleute@familydentistportwashington=2E=
com if you're suffering from hypersensitive teeth, another dental ailme=
nt, or are just due for your regular check-up=2E We'll take great care =
of you!

Best Regards,
Dr=2E Josh Leute

P=2ES=2E If you have any friends or family members who you feel could u=
se our services, please don't hesitate to have them call us=2E We'll be=
 sure to take good care of them=2E

From owner-freebsd-isp@FreeBSD.ORG  Fri Jan  4 12:25:23 2008
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Subject: John Rosatti, Bleeding Dyes Can Ruin Your Carpet
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John Rosatti, Bleeding Dyes Can Ruin Your Carpet


Carpet is a great flooring but can be affected by a number of different
things. Things that can cause it harm and even permanently damage it. One of
those things is bleeding dye. This can come from a number of different
sources and is serious problem Read this article to learn a little about
this problem and what you can do about it.

The first thing you need to do is discover the source of bleeding dye. It
can be caused by several different common things in your home. One source is
area rugs. Dyes from area rugs can easily transfer to the carpet with
moisture. There might even be enough moisture in the air on a humid day to
cause it . The most common types of rugs that bleed are expensive oriental
rugs. To prevent this type of damage you should be sure to place a rug mat
underneath the area rug. This will keep it form transferring dye in case the
rug were to get wet. Another source of dye transfer is from labels on the
bottom of furniture. To prevent this from happening always check the bottom
of anything you place on your carpe for labels and tags. If they are
present, remove them. The last source of dye transfer that I will talk about
is furniture. Some furniture can bleed dye. This is usually the case with
fabric furniture that has no legs or with skirts that touch the ground. To
prevent this type of damage try to use furniture with legs that keep it a
little distance above the carpet.

Carpet dye transfer is usually a permanent problem. Unfortunately the dye
can seldom be completely removed so the best thing to do is preen the
damage. Take a little care and put a little thought into your carpet though
and you should be just fine. Good luck.

 Go to  for information on carpet cleaning and carpet care.

From owner-freebsd-isp@FreeBSD.ORG  Fri Jan  4 12:33:09 2008
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Subject: Palm Vacations,
	Enjoy An Exciting Vacation Experience By Travelling To Murcia
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Palm Vacations, Enjoy An Exciting Vacation Experience By Travelling To
Murcia

If you are planning on travelling to Murcia you will be able to look forward
to an exciting and satisfying vacation experience that will leave you with
many treasured memories. There are many wonderful places to explore in
Spain, from the exciting and beautiful Costa Blanca and Costa del Sol
resorts to the richly historic cities such as Seville and Barcelona. Within
easy reach from the airport, Murcia is another of this country's treasures
and many tourists travel here each year to take in the beauty, soak up the
fabulous weather, enjoy exploring the history and culture, and take in the
vibrant charm of the area. Murcia is located between Andalusia and Valencia,
and is well known for its production of delicious fruits and vegetables as
well as for its beauty, charm, and character. No matter what you want from
your vacation experience, you will find that this is the ideal place to
enjoy some really quality time. With attractions and entertainment within
easy reach, a host of historical and architectural treasures, and a variety
of recreational facilities on offer, you can keep yourself busy both day and
night when you come to this region.

You can get some great deals when travelling to Murcia

Those planning to head to this popular Spanish region can get some great
deals these days, and this means that enjoying some time in this incredible
destination won't cost you the earth. These days it is possible to get some
fantastic deals on flights, car hire, travel insurance cover, and
accommodation in the Murcia region - in fact, you can even get some
fantastic deals on property to purchase in this area, which means that you
could even plan for the future and choose this area as somewhere to retire.
This is an area that is very diverse in character, and you will find
attractions and sights that will appeal to both old and young alike, from
rich history and cultural attractions to excellent shopping and vibrant
nightlife. Eating out in Murcia can be a very exciting experience, with a
great choice of dining establishments designed to suit all tastes, which
means that you will never be short of choice when you are after a tasty
snack or a fine meal. You can also select from a great choice of
accommodations in the area, with everything from charming bed and breakfast
lodgings to big name hotels offering a host of leisure and business
facilities.

Find plenty to explore in and around this region

Murcia is a region that offers an abundance of places to explore, all within
easy reach. If you hire a car when you visit this area you can travel a
little further afield and really make the most of your time in the region.
For instance Aguilas can be found around an hour and a half's drive away,
and is a fantastic medieval town with plenty to explore. Or take in the
fantastic architecture and ruins at Lorca, which is around an hour's drive
away. You will find plenty of other sights and attractions that you can
explore even without a car, however, such as museums, historical places of
interest, and more. And don't forget those beautiful beaches, where you can
kick back and relax as you soak up the sunshine - not to mention the great
choice of recreational activities on offer, from climbing and nature walks
to boating and water activities.

From owner-freebsd-isp@FreeBSD.ORG  Fri Jan  4 13:19:00 2008
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From: "Dr. Julian H. Zhitnitsky" <drz@dentistsherwood.com>
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Subject: Are Your Teeth Temperamental?
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Greetings from Dr=2E Julian H=2E Zhitnitsky!

Are Your Teeth Temperamental?

Dealing with Sensitive Smiles

Are you overly sensitive? Relax, I don't mean crying during life insura=
nce commercials; I'm talking about your smile=2E Millions of adults str=
uggle with hypersensitive teeth, meaning they are sensitive to hot and =
cold temperatures, very sugary or acidic foods and drinks and vigorous =
tooth brushing=2E This kind of sensitivity is often called "dentin hype=
rsensitivity=2E"

Dentin is the tissue that makes up the core of each tooth=2E Above the =
gum line, dentin is protected with a coating of enamel=2E Unfortunately=
, as enamel is worn away or decayed, dentin becomes exposed and recepti=
ve to sensations that cause painful nerve responses=2E This can also oc=
cur as the result of receding gums, a common symptom of gum disease=2E

So, what causes sensitive teeth? A number of things may be to blame=2E =
Over-zealous brushing with a firm bristled tooth brush or abrasive toot=
hpaste can lead to dentin hypersensitivity, as can gum disease, which i=
s the result of poor brushing and flossing habits=2E Your diet may also=
 play a role, as frequent consumption of acidic foods and drinks can ch=
emically dissolve tooth enamel=2E Finally, abnormal wear on tooth surfa=
ces from chronic clenching or grinding of teeth, nail biting and chewin=
g on hard objects can lead to sensitive teeth=2E=20

If you're already suffering from overly sensitive teeth, there are prod=
ucts that can help=2E Toothpaste designed for those with sensitive teet=
h can reduce the pain associated with the condition after only a few da=
ys of use=2E Also, be sure to stick with a soft-bristled toothbrush - h=
ard toothbrushes will only exacerbate the problem=2E Brush and floss da=
ily to maintain healthy gums and protect dentin from exposure=2E

Your continued good health is always our primary concern, so please con=
tact my office at (818)785-8388 or drz@dentistsherwood=2Ecom if you're =
suffering from hypersensitive teeth, another dental ailment, or are jus=
t due for your regular check-up=2E We'll take great care of you!

Best Regards,
Dr=2E Julian H=2E Zhitnitsky

P=2ES=2E If you have any friends or family members who you feel could u=
se our services, please don't hesitate to have them call us=2E We'll be=
 sure to take good care of them=2E

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 Andrew Pantyukhin wrote:
> What are the options? Should we go the USB->RS232 way or are
> there PCI Express or PCI-X multiport cards supported by FreeBSD?
> This is a telecom-ish environment, so ease of rackmounting is a
> plus (consumer USB stuff is thus a PITA for us).
> 
> Any comment will be appreciated!

Cisco 2511

-- 
Mykola Dzham, LEFT-(UANIC|RIPE)
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Andrew Vaughey, Mortgage Info You Can Actually Understand!



This is a great time to Refinance Your Home or Buy a New Home -- the
Mortgage Rates are so low, these days! It's always worth a shot to find out
what the costs of switching over to a new mortgage would be, to see if
that's the right move for you.

Whether you are building your own house, buying a new property, gathering
funds to do a renovation project, or Refinancing your current Mortgage at a
much Lower Rate, you'll be looking for Funding -- Money, Money & More Money=
!
Here are some commonly asked questions regarding funding for a Mortgage or =
a
Home Improvement Loan.

Where should I go first to get a Mortgage?

You can go to the Loans Department of your regular bank, or you can go
directly to a Mortgage Broker. (Click on the Mortgage Company Ads on
www.buildyourownhouse.ca to see if that's the easiest way for you to get th=
e
money you need... At the very least, it'll tell you how much you're
qualified for, and the on-line Lenders have Rates the Banks have a hard tim=
e
competing with. It's all about Saving Money, so check into it all, first --
it's a big financial decision! You can always take your information you've
gotten On-line to the Bank -- if they can't or won't match it, there's your
decision right there! ha,ha!).

Keep in mind that it is generally easier to work with a Broker, since they
have the ability to be a lot more flexible than a conventional bank. Also,
their rates will often be considerably lower than what the banks are
offering, too, so shop around =96 this could save you a fair bit of money.
Brokers can often get a mortgage for clients that a bank won't even touch,
and they'll do it at your convenience, for the most part, so you can have a
more relaxed meeting with them.

What questions will a Broker ask somebody who's looking for a Mortgage?

There are three main things you will be required to provide:

i.Verification of Income

ii.How much and where the Down Payment is coming from

iii.Personal information for Credit Checks (Birthday, Social Security
Number, Address, Job Letters, Pay Stubs, 3 years worth of Tax Returns, 3
months worth of Bank Statements, any current Retirement Savings Funds... )

Your Banker or Broker will want to confirm your ability to qualify by doing
a GDS Ratio (Gross Debt Ratio) and a TDS Ratio (Total Debt Ratio).

A Gross Debt Ratio is determined by taking the Mortgage Payment, the
Property Taxes, and a Heat Component (really hot areas will be exempt from
this, I'm guessing!), which is usually around $50.00. These numbers are
added together. That number is multiplied by 12, then divided by your Gross
Income Amount. This number can't exceed 32% of your Gross Income. Some bank=
s
&/or brokers may have different criteria, but this is a commonly used metho=
d
to see if a client can qualify for a mortgage.

The Total Debt Ratio takes the above information (the GDS Ratio) along with
all other debts and payments (whatever else you have to pay per month =96
credit cards, support payments, etc.) to make sure that the Grand Total of
all of your payments, including the new mortgage and taxes, won't exceed 40=
%
of your Gross Income.

N.B. Don't get too hung up on the math =96 that's the job of the banker or
broker. This is just info to give you a good understanding of how they get
their numbers.

What if someone has a job that is technically referred to as "Part-time",
but they make a "Full-time" wage. Can they qualify for a Mortgage?

You can apply through a Mortgage Broker (probably your best bet) to see how
much your Gross Income will allow you to qualify for. It is particularly
beneficial if you have a solid work history (have been at the job for a few
years, or more). A Broker will know how to present the documentation to hel=
p
you get a mortgage. This is particularly important, now, since so many
companies and Government Services hire 'Part-time' or 'Contract' employees.
These can be career positions, and you can be there for fifteen years, and
still be flatly turned down by the regular banks. Don't give up on your
dream to own your own home because you're in a situation like this =96 call=
 a
Mortgage Broker, and give it a shot. If that still doesn't work, try anothe=
r
one. What's the harm? At the very least, you can get an honest answer of
what you need to do in order to become qualified. Either way, you'll be tha=
t
much closer to owning your own place, and that's the goal!

Is there an easy way to calculate a Mortgage?

There's a formula that I use that is relatively accurate, give or take a
hundred dollars, or so. At the very least, you'll get a ballpark idea of
your monthly payment (not including the Tax portion), and whether you can
qualify for that amount. Remember that when you're qualifying for Mortgage
money, if you're even $80.00 over what they think you can pay, you won't ge=
t
the mortgage. It's best to Pre-Qualify for a mortgage, and ask how much you
will qualify for before you go house-hunting. Keep in mind that as the
Interest Rates get lower, the more you'll be able to qualify for. Don't go
crazy, though, since all the costs go up as you increase in house size, and
the monthly operating costs might end up being higher than you thought, the=
n
you've got a big house and a crappy lifestyle. Stay within your means; stay
happy and comfortable.

The Formula =96 remember, it's a ballpark number...

On a 25 year Term, you would take the Percentage Rate (say, 5%) and multipl=
y
that out by the number of thousand (say, $100,000.), which would give you a
mortgage payment of about $500./month (5 X 100 =3D $500.), plus Taxes. So i=
f
you've found a house for $165,000.00, and the rate is 5%, (based on a 25 yr=
.
Term), the payment would be around $825.00, plus taxes, per month. (5 X 165
=3D 825)

We use this formula all the time =96 it's functional to see if you can even
come close to being able to afford a particular property. If you always fin=
d
yourself looking at the properties worth $300,000., when you can actually
afford a $75,000. property, do the math, figure out what you can really buy=
,
and get that. It's better to buy something already in your range, save your
money, wait until your place has gained in equity, then make the move up.
Have your Broker or Banker let you know how much you can spend, and have
that up-dated every year, or so, depending on how long it takes you to find
a place to purchase, especially when the rates are fluctuating so much.
Also, your Broker will tell you the exact payment.

Can I qualify for a Mortgage based on the lowest rates out there?

Different Lending Institutions will have different rules, but you will
generally have to qualify under their 3 Year Rate, which will be higher tha=
n
the lowest rates available. Some institutions will use the 5 Year Rate
(primarily regular banks).

What's the difference between an Open and a Variable Rate Mortgage?

An Open Mortgage is one that can be paid out at any time, but you will pay =
a
higher Rate for this privilege. This is a good choice if you're not sure ho=
w
long you'll be staying in the home. You'll save on the possible Penalty
Payments you would have to pay if you had a Fixed Rate Mortgage, and had to
move before the pre-chosen Time Period had elapsed.

A Variable Rate Mortgage (my favorite!) is not fully Open, but it can easil=
y
be converted into an Open Mortgage, so you would still save on any potentia=
l
Penalty Payments. With this Mortgage, you'll usually get better than Prime
Rates, and the flexibility to move if something better comes along... ! The
other thing I really like about this one is that you can usually make
payments directly on the Principle, which will reduce your mortgage faster
than almost any other method. Your monthly mortgage payment will be as low
as possible, so with the extra money that you might have kicking around, pu=
t
it in a Savings Account, then make the payments annually (or more =96 ask y=
ou
Broker how often and when you can pay off the Principle).

One thing about this type of Mortgage that might seem off-putting,
initially, is the fact that the interest rates actually fluctuate within th=
e
mortgage. This is not necessarily a bad thing, especially if the rates go
down after you've established the mortgage. The important thing to remember
is that the amount you pay per month will always be the same =96 the only
thing that changes is the amount that will come off the Principle. If
interest rates start to rise, make an extra effort to set aside some money
to pay directly to the Principle.

My biggest Financial Pet Peeve is the whole notion of making two payments
per month (or Bi-Weekly Payments) that are really high in an effort to pay
off the Mortgage faster (usually a 15 year term). This drives me crazy,
since it often puts a lot of unnecessary financial pressure on a family.
That's a lot of money to come up with in a month, and if disaster strikes,
they'll be in serious trouble very quickly. I always think that it's better
to establish the lowest possible monthly expenditures, then if you still
have a big wad of cash left over, great =96 put that toward the mortgage.
Using the Variable Rate Mortgage will give you the lowest mortgage payment.

Here's a quick example: If you have a mortgage of $100,000. @ 5% (using a 2=
5
Year Term), using the Variable Rate Mortgage, your monthly payment would be
about $500/month, plus taxes. If you have the same mortgage in a Fixed Rate
Mortgage (also a 25 year term), @ 6%--remember that the Variable Rate is
lower =96 the monthly amount would be about $650, plus taxes. (Note that a
Fixed Rate Mortgage is calculated differently from a Variable Rate Mortgage=
)
If you were to sign up for the two-payment a month plan, that's $1300/month=
.
The spread ($500/month to $1300/month) is $800. Multiplied out by a year is
$9,600 =96 that would be a huge Lump Sum Payment directly on your Principle=
.

Keep in mind that only a tiny amount of your regular monthly mortgage
payment goes toward the Principle in a new mortgage =96 have a good look at
your Statement, the next time it comes in. Even if you were to put half tha=
t
amount on the Principle, you would still be making a major dint in it. And
your financial life won't be so stressful, which will make the rest of your
life much nicer, too, since financial stress is one of the leading causes o=
f
divorce, but that's a whole other story...

What's a Fixed Rate Mortgage?

A Fixed Rate Mortgage is a mortgage that will have the same rate for the
amount of years you have chosen to lock in at. Typically, there are 1 Year,
2 Year, 3 Year, 5 Year, 10 Year, 15 Year, and 25 Year time periods. If you
choose to move before the time period is up, you will be required to pay a
Pay Out Penalty, so keep that in mind if you're not completely sure how lon=
g
you'll be there.

What's the best way to get money for a Home Renovation Project?

Check first with the Financial Institution that's carrying your Regular
Mortgage. They may be able to provide the money you need to renovate. You
could borrow on your Equity (the spread between how much you owe for the
property and its current appraisal rate) in the form of a Home Improvement
Loan or a Home Equity Loan. Keep in mind that you can use a Home Equity Loa=
n
for other stuff, as well. Your bank should be able to offer you a Blended
Rate, and should waive the Pay Out Penalties. If they won't offer that, or
give you any loan, call a Broker, and see what they can do. They're not
miracle workers, but they can often help when the regular route won't come
through for you.

The easiest way these days is to check out companies on the Internet. You'l=
l
get your response a lot faster, and probably get a better rate, too! I'll
find some for you and post them here!

The bank wants to do an Appraisal on my house before they'll give me a Home
Improvement Loan. Is that standard?

Yes. (You'll need this for the Home Equity Loan, too.) The financial
institution needs to know the current value of your home to make sure that
their backs are covered. Makes sense. You will probably have to get a
'Before and After Appraisal', quotes from the respective contractors to sho=
w
proof of renovation, and a description of the type of renovations you're
planning. It's much easier to borrow against the Equity, so try this route,
first. Talk to your Lender before you get too involved to see what you can
actually get, and when. If you have to pay for the whole job out of your ow=
n
pocket first (as is often the case, which is craaaazy, since if you had the
cash just sitting there, you wouldn't be at the bank, anyway... .ah, the jo=
y
of financing!), make sure that you find a source for material that will
provide a payment plan (many home improvement stores will do this), and a
contractor who doesn't mind being paid at the end of the job when you're
money comes in.

N.B. Just a little aside =96 I've seen some 'warnings' out there that you
should nevah', evah' pay your contractor up front or in the middle of a job=
,
or only pay them when you are 'completely satisfied'. Please. There are som=
e
people who are never satisfied with anything, even if they get exactly what
they requested. This is such complete crap. You would never work for an
employer for a year, then at the end of that year, he would sit back and
decide whether he should pay you. That's crazy. Be smart about it, though.
Get everything in writing, both of you agree to it, then sign the quote. Yo=
u
will often be required to pay for materials up-front, since the contractor
doesn't know you anymore than you know him... Generally, you will make
payments as the work progresses, which is easier than getting one big bill
at the end, but if you have extenuating circumstances (like the bank won't
give you the money until the end of the project), then tell your contractor
that at the beginning. All projects work more smoothly when there's open an=
d
complete communication.

How do you get a Builder's Loan?

Apply for a Builder's Loan the same way you would apply for a regular
mortgage. If you are a new Builder, you may require a 'New Home Warranty' o=
n
the property. That's pretty difficult, if it's your first house, so you may
be calling a Broker right away! They're usually more flexible in getting yo=
u
the capital you'll need to bring the house to fruition, but if you already
have a good relationship with your banker, give them a crack at it. This
might be easier in a rural area, where it is more common for people to buil=
d
on their own, so the financial institution will already know how to manage
this scenario.

When will we get our money?

The money is separated into 3 or 4 sections, or 'Draws'. Generally, you wil=
l
get the funding in Three Stages:

i.Sub-floor

ii.Lock Up

iii.Completion

Can we get money to get to the Sub-floor Stage?

This is where careful and creative financing comes in... hopefully, you'll
have that swack of cash in the bank (at least twenty thousand), and a fair
bit of equity in your home. You'll probably need to sell your current
property before you start building your new house, so you can use the equit=
y
spread from that sale to get the new house started. If your land is already
paid for, you'll find this stage easier. Some Developers will allow a new
builder to put 5% down on the land, then they can pay the balance when the
mortgage money comes in. This is relatively rare, so if you find this deal
and like the location, go for it.

Talk to your Excavator, Foundation Contractor and Framer to see if you can
make partial payments until the First Draw comes through. They're in the
business, so they'll understand your situation. A lot will depend on how
busy they are and the relationship you establish with them. Some Suppliers
(lumber, ICF Blocks, etc.) may have a payment schedule, too, so it doesn't
hurt to ask if you need to.

A Personal Line of Credit from the bank, along with your regular credit
cards (again, if you have an Air Miles credit card, now is the time to use
it -- you'll really rack up the points, then you can take a well deserved
trip at the end of your house-building adventure!), personal loans, etc.
will all come into play, now. You might want to make sure you have an
alternate source of funds for a 'just in case' scenario. It's best to plan
out all the possibilities before you get started so that nothing will catch
you off-guard.

What kind of Appraisals will the Bank do?

First, the Appraiser will inspect the Land, the House Plans, and your
Proposed Budget. The amount of money provided for the Builder's Loan will b=
e
based on the Cost to Complete the house, not including the value of the
land. The Land will be included with the final appraisal for the Completion
Mortgage (Take Out Mortgage).

The Appraiser will come out to your property to do Progress Inspections at
the Three Stages =96 Sub-floor, Lock-up and Completion. You should anticipa=
te
a one to two week waiting period for the Draw Money to come through. During
that time, the bank will most likely have a lawyer check the Title each
time.

It's an involved process, but it does work, so stick with it and figure it
out! Remember that if one institution can't get you the money, try a Broker
or two... eventually, it'll all work out!

One more thing -- What is Escrow??? I know, you hear that all the time! It'=
s
that seemingly very long period that your Lawyer holds onto your money whil=
e
all the conditions are met on the House Deal. Make sure you ask your Lawyer
for a good idea of the time-frame you might expect, and be sure not to leav=
e
yourself too tight (moneywise!) during this annoyink period!

Just so you know, a Real Estate Lawyer will be very pleasant to deal with
... they don't seem to deal with a lot of animosity, like many other types
of Lawyers, and that probably accounts for their serene expressions!
ha,ha,ha! They're there to help you get into or out of your home, so don't
worry -- it won't hurt a bit!

Ailsa Forshaw is a Writer, Builder, Website Owner & Manager, Teacher,
Mother... all in Alberta, Canada. She is Married with Two Lovely Children,
and one gorgeous wee dog. Her Website, , is chock full of all sorts of
useful & fun information to help anyone become Financially Successful, Slim=
,
Trim, and Happy... what more could you want?? Pop in for a wee visit!

From owner-freebsd-isp@FreeBSD.ORG  Fri Jan  4 13:50:46 2008
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Subject: Douglas Della Toffalo, Choose & Use the Best Colors,
	The Psychology of Color
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Douglas Della Toffalo, Choose & Use the Best Colors, The Psychology of Colo=
r

Are you using the best colors for your web site? Many web designers often
overlook the issues of color in web design. When choosing colors for your
web site there are three main areas that should be addressed.

1) The psychological effect of colors,

2) The effect on the readability of your site, and

3) The complementary choice of colors for your background, graphics, links,
and text

These are all areas that must be well satisfied to create an effective and
professional web site.

Listed below are a few characteristics of color that should always be
considered when designing your graphics.

=D8 Colors have an effect on our emotions within 90 seconds of viewing.

=D8 Color choices can motivate, impress, and persuade your prospect to buy
from you.

=D8 Colors not only intensify the item, they greatly influence our behavior=
.

=D8 The effects of color differ among different cultures.

=D8 Color choices alone are sending a specific message to your viewers.

Given the fact that people respond more to non-verbal cues than verbal cues=
,
it's all-important that you choose the corresponding colors for the
emotional trigger you want to trip. The following colors are associated wit=
h
certain emotions or qualities in North American culture.

White - Suggests truthfulness, purity, clean, devotion, mild, and
contemporary. White is the best color for a background color on the web. Fo=
r
business it can be refreshing and sterile.

Black =96 Suggests elegance, boldness, power, authority, seductive, evil,
sophistication and classic. Black is the ideal choice for text on a light
background. It is hard on the eyes when used as a background on web sites.

Red =96 Suggests strength, sex, excitement, passion, speed, danger,
aggressiveness, and demands attention. In business it is associated with
debt. Red is the most emotionally intense color. It stimulates a faster
heartbeat and breathing.

Blue =96 Suggests security, trust, reliability, coolness, faithfulness,
belonging, and dignity. Blue is the most popular color. It is the second
most popular color. In business it suggests fiscal responsibility and
sanctuary.

Green - Suggests abundance, health, fertility, freedom, healing, nature,
growth, jealously, and cool. In business it suggests status and wealth. It
is the easiest color on the eye.

Brown =96 Suggests effectiveness, politeness, richness, and helpfulness. Br=
own
is the color of earth, and is abundant in nature.

Gray =96 Suggests earnestness, authority, and practicality. In business it
suggests traditional and conservative.

Pink =96 Suggests softness, sweet, femininity, well-being, innocence, and
nurture.

Purple =96 Suggests dignity, spirituality, royal, luxury, wealth, authority=
,
mournfulness, and sophistication. In business it is upscale. Purple is
favored by the artistic.

Orange =96 Suggests playfulness, pleasure, cool, warmth, cheer, vibrant,
strength, endurance, and ambition.

Yellow =96 Suggests sunshine, warmth, cheer, happiness, cowardice, and
jealousy. In business it is appealing to intellectual types and is good for
accents. Yellow enhances concentration, increases metabolism, and is the
most difficult color for the eye to take in.

Gold =96 Suggests expensive, and prestige.

Silver =96 Suggests cold, scientific, and prestige.

Whenever you begin to choose your colors, think about your target market.
What emotions do you want to evoke? Give some thought to the current emotio=
n
of your prospect and to the message you want to send. Then choose your
colors.