We know that there are different types of mortgage loans, however, when you are at the point of buying a home, you need to know what type of mortgage is best for you.The loan offers available from mortgage companies today are extensive and varied. However, despite the multitude of different brand names on the market, we can readily distinguish between four basic types of mortgage loans:(a) Fixed Rate Mortgage Loan – In this type of loan, the interest rate remains unchanged throughout the life of the loan, i.e., the tax payable on the loan is kept constant. This gives prospective home owners some level of confidence that if interest rates go up, their loan will not be affected.On the other hand, one obvious drawback of this type of loan is that, if interest rates fall, they may not benefit from it.Another feature of such loans is that they usually have a set term (usually 12 to 15 years) and the early termination fee is higher. It is important to remember this fact if you plan to use part of the future savings to reduce the loan amount or period.(b) Variable Rate Mortgage Loan: This is a loan type in which for the first year (or for the first period), the interest rate is agreed. For the remaining years, it keeps on changing according to the reference rate agreed in the contract, adding a spread that varies depending on the conditions set out in the terms of the agreement.The main advantage of this type of loan is that you benefit from the interest rate cuts.This type of loan is characterized by a longer maturity period which can be as long as 25 to 30 years, and the deferred sales charge is usually lower than is the case with fixed interest rates.(c) Joint Interest Mortgage Loan: Here, the interest rate remains fixed for two, three or more years combined, and this is followed by another period in which it is variable and is adjusted according to the prevailing conditions in the market.This mortgage plan combines both the merits and demerits of fixed and variable loans. Under this plan, the repayment terms and the early termination fees are usually similar to that of the variable rate mortgage loan.(d) Flat Fee Mortgage Loan: As the name implies, it is a loan type characterized by a flat rate. It closely resembles the fixed-rate loans considering the fact that the customer always pays the same rate regardless of changing interest rates.The one major difference is that if rates do go up, instead of the borrower paying more fees, the repayment period is extended; and if the interest rates fall, the repayment period is shortened.The main disadvantage of this loan type is the level of uncertainty associated with it, as the actual term of the loan is unknown. However, its chief advantage is that you are pretty much guaranteed that the fee will not change during the lifetime of the transaction.
Mortgage Loans – 4 Different Types of Mortgage Loans to Choose From
Video Optimization – Video Marketing Tutorial
You probably have heard about youtube.com. You can get a large amount of traffic from video sites if you will use them properly. In this video marketing tutorial I will show you how to do a proper video optimization to get maximum amount of views. I will also share you several secrets about video marketing.
I recommend to create short how-to videos from your articles which you have already written, by making PowerPoint presentations and then discusing main points of your articles.
Include your keyword in the title. If your selected keyword isn’t very long, use it twice in the title. I found that this helps to rank your video a little bit higher. You shouldn’t forget this video optimization tip!
Create a video description. Optimize your description with your chosen keyword. You can even post a whole article in the description (yeah, that’s another cool video optimization advice and you will find even better video marketing tutorial advice below!)
Include your website URL at the very beginning of your description. Use http:// format to make it clickable. You should also include your link at the beginning and end of your video. Use a watermark URL in the video at the bottom of the screen through the duration of the video.
To improve your video optimization, include a call to action at the end of the video if you want to get maximum amount of traffic from your videos.
Submit your videos to the best RSS aggregators and directories:
Feedagg.com
Feedage.com
Search for Google to find more RSS directories.
A lot of people don’t do that and by that way they are missing a large amount of traffic (so they don’t use every opportunity to make their video optimization better!). This will also will give you some valuable backlinks.
Your Youtube.com RSS feed looks like this:
<a href=”http://www.youtube.com/rss/user/”>http://www.youtube.com/rss/user/</A> [insert username here]/videos.rss
You can boost your video views by implementing a simple video optimization trick. Find other people related videos and then just simply copy their tags. This will give a good chance that your video will appear in the related videos sidebar.
If you have a web site or a blog create a video series and then split them into several parts. Put your videos in your web site. After every video give make slide which says something like that:
“Watch next part at <a href=”http://www.yourdomain.com/adsvds”>http://www.yourdomain.com/adsvds</A>
This will give you extra traffic to your web site.
Use tubemogul.com to submit your videos to 20+ video sharing sites.
The best video optimization advice that I can give you at the moment:
Use articlevideorobot.com to create videos fast from your articles. It is very easy to use and they have some valuable video marketing tutorial tips. (you can register as a free member to test it. If you want to buy it use 0E2A8D2C coupon code and get 25% discount). It is a very powerful tool and I definitely recommend to check it out. If you don’t have any written articles, just take some PLR articles.
After submitting your videos, all you have to do is to build your backlinks for higher search engines ranking.
For technical video optimization I use these softwares to produce my videos:
Camtasia (free alternative – Cam studio)
Soveig avi trimmer
Flv producer lite
I hope that this video marketing tutorial will help in the future to make your video optimization much more better!
Online Chicago style writing services
Sometimes students normally find it hard to format their papers using the formatting style that the teacher has requested. One of this formatting style includes Chicago style. Teachers usually expect to receive papers that have been formatted properly according to what they have asked. Writing of Chicago style papers usually takes two forms. The first form includes writing of the papers using the bibliography and note system and the second include writing using the author date system. When writing Chicago style papers the nature of the style of the sources being used normally serve extremely well in determining the style that the student will prefer over the other style.
Writing Chicago style papers is usually easy; however, some students mostly find it hard when it comes to putting footnotes and end-notes. No matter the many years the student might have in writing Chicago style papers, they usually have doubt if they are doing what is right. In order to avoid the doubt, most students decide to seek form assistance from professionals who have experience in writing Chicago style papers. Chicago style writing company has experience writers who are professionals in writing Chicago style papers. These are writers who have qualities like no other in writing academic papers using Chicago style. In order to have remarkable class performance, students should buy Chicago style papers from this company.
Expert writers
Chicago style papers are usually written by writers who have received training and they are experienced in writing papers from any level of education. The writers ensure that the papers are written based on the standards of customer. Before they can start writing the papers, they have to make sure that it is assigned to that the writer who is an expert in that field. Chicago style papers writers possess the right skills in formatting Chicago style papers. The writers are specialized in numerous academic fields, which make it possible for them to serve the requirements and needs of all the students in different countries in the globe. The writers have gained unmatched experience because this is a company that has been operational for a while. Chicago style papers writers are aware of the different academic requirements by different learning institutions. Therefore, they have to ensure that the papers that they sell to the students have to be accepted by the lecturers.
High quality papers
All Chicago style papers have to be written according to the instructions that the writers have requested. This ensures that they meet the standard of the customer and that of the instructor. All Chicago style papers are normally written using proper grammar and have no language errors. The writers also check for plagiarism using the plagiarism software to check for any traces of plagiarized materials. This ensures that the papers are original. There is also a panel of editors who ensure that the proof read the papers so that to make sure that the writers clearly followed the customer’s instructions and the paper does not have language or grammar error.
Students who have the problem with writing Chicago style papers can contact with the writers in this company and buy Chicago style paper written following their instructions. The prices of this papers are affordable, and any student can manage the budget the also be able to, meet their daily needs.
Author is associated with Superior Papers which is a global Custom Essay Writing and Term Paper Writing Company. If you would like help in Research Papers and Term Paper Help you can visit Chicago Style Papers