Online Dating - What's the Big Attraction?

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Online Dating And What It Entails
All of these things combine to create a virtual
model of Mary stored in your phone. Now, to make
your model of Mary a bit more intelligent and
useful, you could add her date of birth, her hair
color, her favorite book, her pet cat's name, or
any number of different properties of Mary. If we
slapped a bunch of sensors on Mary, we may know
things like her current location, current body
temperature, her heart rate, her blood pressure.
If this information is communicated to your model
in real time, you have an active, living
representation of Mary that tells you more about
her than she may know herself. Imagine applying
this same process to your house, your car, your
toaster, or your favorite pair of socks. Now,
maybe you can't think of a good reason for your
socks to talk to your toaster, but they may have
a thing or two to share with your washing
machine. And maybe your house and your toaster
can have a nice conversation about lowering your
electric bill. Of course, your things aren't just
talking to your other things.
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They can talk to other things anywhere. Do you
think it might be helpful for your air
conditioning system to know something about
today's weather forecast? Or for your car to know
about that new road construction on your way to
work? Your virtualized house doesn't care that
it's a house. It may as well be an elephant or a
water balloon. The same is true of your car, your
refrigerator, or your lawn sprinklers. Virtual
models can share information with other virtual
models without regard for where the data is
coming from or how it got there. Virtualization
can make every "thing" accessible to every other
"thing", and ultimately to you. Deciding if you
should lock in your mortgage rate is a question
many homebuyers lose sleep over. No one wants to
make the wrong decision. You don't want to wait
and see rates go up, but what if you lock and
rates go down? You like the idea of having this
guarantee, but you are not quite sure when to do
it, or if you should at all. To help with your
decision, below is a list of nine items you need
to know about rate locks.
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Mortgage rates rise when the Federal Reserve
increases rates, so keep your eye on this. Rates
do have an expiration date. If you lock in too
early, you could end up being forced to file for
an extension, which typically increases the rate.
A float-down option is available to be added to a
lock agreement. This gives you the chance to grab
a lower rate if they drop more after you locked
one in. These are not free, but if the market is
really fluctuating up and down it could be in
your best interest to add this provision. If
rates go down, you can't just abandon your locked
rate and start over without expecting to pay a
fine. Rate locks are not open-ended they usually
last anywhere from a couple of weeks to 60 days.
Shorter lock periods are less expensive. You can
get a longer lock (90 days, for example), but the
rate and fee will be higher. In most cases you
don't want to lock a rate in until you are set on
a house.
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Not all fees for rate locks are structured the
same. It can be a flat fee, but it may also be a
percentage of the total amount of the
mortgage.Mortgage rate locks are agreements made
with lenders, not brokers. If you wait too long
to lock yours in - hoping rates will go back down
- you could end up losing your dream home if the
current rate puts your debt-to-income ratio too
high. Rate locks for 45 days are generally Wrap
Him Around Your Finger Review the most popular
option. Mortgage rates are often compared to gas
prices because you can watch them creep down
slowly every day and then all of a sudden, they
jump back up again. Of course, the day they
increased was the day you were going to actually
fuel up your tank! Rates can be unpredictable but
if rates in your area have remained consistent
for a period of time, then a lock rate might not
be important to you but if the rates have been
all over the place, a locked rate will offer
peace-of-mind during what can be a stressful
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