Month: February 2022

Refinance Mortgage LoanRefinance Mortgage Loan

There are several reasons that people may look to refinance home loans.  Probably the most common is to take advantage of lowered interest rates.  Some of the other reasons people refinance home loans is to pay off high priced credit cards, make home improvements, and rebuild credit rating that has taken a turn for the worse.

What is involved when borrowers look to refinance home loans?  When you refinance you normally just pay off the old mortgage and sign a new mortgage.  Now this will also mean most of the same costs you had when you signed the original mortgage.  Depending upon your State or the terms of your mortgage you may pay a penalty for paying the note off early.

Individuals who refinance home loans look at several things before doing so.  Look for a company that may be willing to waive the normal fees.  These include such things as an application fee, legal fees and appraisal fees.  This are all normally associated with closing fees on a new mortgage.  This could save thousands of dollars.  It would give you a higher monthly payment but this could be still acceptable with a small rate decrease.

How long do you plan on staying in your home?   If the answer is just a few months the monthly savings may not have time to catch up to the costs involved if you were not able to secure a loan from a company who will refinance home loans but will not waive fees involved.  What are the new rates?  As a rule try and find a rate that is minimum 2 points below your current mortgage rate.

Some who refinance home loans do so with the intention of building equity in their home faster.  Now with this type of loan your month cost will be higher even with a lower rate.  The benefit is you build equity faster and pay less interest over the length of the mortgage.  If you wanted to refinance a 30 year mortgage to a 15 but the cost was to high you may want to check about a 20 year mortgage to still be able to take advantage of the lower rates.

The last important point to remember with companies who refinance home loans.  Try and get a guarantee on the rate so that it is locked in during closing.  This will keep the rate the same even if it should go up prior to your closing.  You could even try and see if they will agree to a rate decrease if that should occur before closing.  The refinance of home loans is competitive enough that if a company will not do either of those option.  You may want to check with another company.  The ultimate goal is to reduce your payments or to increase the equity of your home in a shorter time.

Is Misdirection Real?Is Misdirection Real?

In theatrical magic, misdirection can be described as a method of deceit where the performer is able to draw attention of the audience to one thing to distract it from something else. Managing audience attention is the main goal of any performances, and the most important requirement of all magic acts. It doesn’t matter if the magic is the “pocket trick” variety or an extensive stage productionthat relies on misdirection, it is the primary key to the success. The term describes either the effect (the eye’s attention being drawn to an object that is not important) or the sleight-of-hand and patter (the magician’s speech) that creates the illusion.

It is difficult to say who was the first person to coin the term, but an early reference to misdirection appears in the writings of a renowned writer and performer, Nevil Maskelyne. it involves spooking the spectator’s senses, to hide from being aware of certain information that require secrecy. At the same time, magician, writer, artist and performer Tarbell noted, Nearly the whole art of illusions is based on the art of misdirection.

Many magicians who have researched and evolved techniques for misdirection includes Paul Rosini, Max Malini, Derren Brown, Tommy Wonder, Tamariz, Slydini as well as Dai Vernon.

Henry Hay describes the central conjuring process as a manipulating interest.

Many magicians divert attention of the audience in two primary ways. One causes the audience to turn their attention away for a short moment, so that they do not notice a trick or movement. The other approach re-frames the viewers’ perceptions, leading the audience into believing that an extraneous factor can be a factor in the accomplishment of the feat but it actually has no bearing on the result in any way. Fitzkee explains that the real talent of the magician is the ability of his performance in changing the mind of the audience. In addition, sometimes, props such as a magic wand aids in distraction.

Misdirection is the foundation of almost all successful illusions. Without misdirection, even the most proficient sleight of hand or mechanical device is unlikely to make an impression of true magic.

Misdirection uses the limits of the human mind to create a false picture and memory. The brain of an average audience member can only concentrate on only one thing at a given time. The magician uses this technique to alter the audience’s ideas or perceptions of sensory inputand lead them to make false conclusions.

Many magicians have debated over the usage of the term”misdirection,” causing many discussions about the meaning of it and how it operates. The exceptional magician Jon Finch made a distinction between direction and misdirection. One being a negative term, and the other positive. In the end, he considers the two as one thing. If a performer, through any means, has led the thoughts of his audience to conclude that he has done something he hasn’t done, he has wrongly guided them into that beliefwhich is why he has misdirected them.

Tommy Wonder has pointed out that it’s more effective, from a magician’s point of viewto focus on the goal of directing attention to the audience. He states that misdirection is wrong direction. It suggests that attention is diverted away towards something. Through constant use of this phrase, it eventually becomes so ingrained in our minds that we may begin to see misdirection as taking the attention away from instead of towards something.

Tony Slydini explained that if a magician believes it, the audience will believe it and magicians are something that they cannot observe. Misdirection is true when they believe what the magician does and follow the magician. read more

Top 3 Ancient PokiesTop 3 Ancient Pokies

If you are a fan of history or mythology, we suggest you check out these pokies. Take a ride to the ancient times with Cleopatra, Nero, Zeus, Thor or even dinosaurs.

Book of Cleopatra Super Stake

This pokie by Stakelogic will drive you to the time of pharaohs, pyramids and one and only queen Cleopatra. Symbols that include Egyptian Gods are arranged across 5 reels. There are 10 different ways you can win the prize (10 paylines). This pokie has high volatility and includes some of the most common features such as wild scatter symbols, free spins, gamble feature and even coin feature. It is supported on both smart devices and computers, so you will be able to enjoy it anywhere.

In case you want to play this game, make sure you visit this link: https://pokies.bet/slots/book-of-cleopatra-super-stake/

2 Gods Zeus vs Thor

The battle between nordic and greek gods won’t leave anyone indifferent. This highly volatile pokie which is developed by 4ThePlayer has 5 reels and 2048 paylines. Unlike standard pokies, this one has a unique rule – ‘dual spin’, which means there are two spin buttons and two colours.

Each god has it’s side and can substitute it’s symbols. 

Try out this game on both mobile and desktop devices by clicking the link below: https://pokies.bet/slots/2-gods-zeus-vs-thor/

Nero’s Fortune

Quickspin made sure that all the lovers of roman empire could enjoy this game. It has 5 reels and numerous ways of winning since it doesn’t have a fixed number of paylines. Here you can find free spins, wild and scatter symbols and multipliers. 

It is playable across all devices, and you can check it.

In case you want to enjoy more ancient themed pokies, make sure you click on this link https://pokies.bet/theme/ancient-pokies/ which will lead you to another empire, but this one will be filled with games.