Great Condition
2009
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Great Condition
Great conditions for refinancing, for some - the last chance
The idea of refinancing is the same whether it's a car loan or a mortgage and there are two possible reasons you may want to refinance. The first one is the need to reduce monthly payments by extending the overall repayment period, this way the true cost of loan rises but lowers the strain on your monthly budget. In the second scenario the basic assumption is that the circumstances surrounding loan application when it was first made have changed for better - this may be either your credit history which has improved since, now giving you access to better deals, or the market has undergone serious changes like reduction of interest rate.
Coincidentally the latter is exactly what happened in the middle of credit crunch when Bank of England decided to lower interest rates creating massive savings for consumers. The rumor has it however, that in this period of slow economical growth interest rates may rise again. It's estimated that in late 2011 rates of the Bank of England may rise by 0.25%.
Even though this may not tell you much straight of the bat, listen to this: Jonathan Davis, a renown economist and wealth manager is claiming that property prices will inevitably fall during the next two to four years by as much as 30%.
Coming back to refinancing, it seems natural that loans are best refinanced when the interest is still low. There is however another issue which may affect new property owners who purchased their houses only a couple years ago, and especially those who opted for a bad credit mortgage. Mortgages for people with bad credit are a great way to get on the property ladder and stop wasting money by paying rent, even at the price of increased interest. The problem is, what are those people going to do when interest rates rise and property prices drop instantly creating negative equity?
Bad credit mortgage is a fine financial option to start, but no-one would like to be stuck with it for the whole loan term. The usual course of action is to refinance as soon as possible - ideally in the third or fourth year to reduce the interest on remaining capital.
If Jonathan Davis's prediction turns out to be true, that would by far be the worst case scenario for all buyers who tried to take advantage of low property prices during the 2007 - 2009 price fall and took out a high interest mortgage.
About the Author
Refinancing is a brilliant financial tool which allows consumers to take advantage of changing market conditions and avoid large costs assiciated with high interest loans. Refinance UK provides interesting information about all aspects of managing your loans.
What public course built before 1940 is still in great condition?
I would like to play a great classic course that hasn't been hacked up or changed by Fazio or Nicklaus or some other architect. Pebble Beach has been changed a little, Bethpage Black was restored by Rees Jones. Pinehurst #2 might fit the bill but I'm not sure. Are there any great classics still in existance?
Where are you at? I know of a couple, one in KC and one in Denver. I live in KC now, and my favorite course is called Swope Memorial Golf Course. It is an old parkland design that has lots of trees, rolling fairways, plateaued greens and tons and tons of character. It was designed by A.W. Tillinghast in 1934. The course had gone through multiple re-designs, but was recently restored back to its original 1934 layout. Walking down the 18th fairway, I realized that Sam Snead and Ben Hogan both made the same walk during the Kansas City Open when they played it there back in the 40's.
In Denver, a little gem that we used to play is called Wellshire Golf Club. It was designed in 1926 by Donald Ross. It has his signature tees, greens, and deceptive views that we have come to expect from Ross and Fazio. It is not kept in the best shape, but it still has the same feeling that I talked about with Swope above. All the greats have played there, and the course is still pretty close to its original configuration. Parkland design, rolling fairways, and hand sculpted greens make these courses fun and challenging.
There is something about the way courses were designed before earth moving machines were invented. There was more stress on using the lands natural features to create an exciting, challenging, and fair golf course that appeals to me. I love "modern" golf courses too, but if I had to choose, I would play an old Robert Trent Jones course over any new Nicklaus course any day of the week.
Pop-up camper for sale? (great condition)
