Tamm Oil and Gas Corp + 40% (OTC:TAMO) Tamm Oil and Gas Corporation is based in Calgary, Alberta, Canada. Currently, the company owns 35,200 acres of oil and gas rights in the peace river and holds 100% interest in the natural gas and heavy oil rights on these properties. Heavy crude oil is a denser form of oil with a specific gravity greater than .933, it is mostly the result of degraded crude oil exposed to some form of water or air....more
How to Handle Points and Closing Costs Should you pay points? What are points? Is that money going directly into the Loan Officer's pocket? Well, that depends. This article will look at these questions as well as a few others to see which strategy makes the most sense in the long run. We'll also look at the math to calculate when points make sense and when they don't.Let's start with the definition. A point is 1% of the loan balance. So if...more
When It Comes to Prepayment Penalties and Indexes, Discuss the Details Now! This article deals with some rarely discussed mortgage details that can have a major financial impact if you're not careful. For starters, there's Prepayment Penalties. These penalties can cost you a bundle and they're often overlooked during the origination of the loan as well as the signing. Many mortgage brokers know perfectly well the program they're putting you in has a Prepayment Penalty and they avoid the topic as much as possible. So a lot of people have penalties and don't even realize it.This situation just happened to a client of mine who wants to refinance OUT of an adjustable rate mortgage and INTO a fixed program. We sat down to review the options and I asked to review her existing mortgage Note and that's when we discovered the penalty. She had no idea. That Prepayment Penalty would cost her almost $14K if we went ahead with the refinance. Now, in some circumstances, it may still be worthwhile doing the transaction. For example, if rates were rising quickly or if fixed interest rates took an unexpected dip, presenting an unusual opportunity, it might still make sense to do the deal....more
Every time I go down to the department store (which isn't very often, admittedly), there seems to be another great gadget for doing this or that household chore. And most of them are run by electricity. If we want to cut down on our power consumption - either because we want to reduce the carbon emissions of a petrol-fuelled power station, because...more
The Pros and Cons of Interest-Only Interest only mortgages are a relatively new phenomenon in the re-financing industry as well as the home buying industry. While the appeal of an interest only mortgage is typically a greater monthly cash flow, this increased cash flow can come with a hefty price tag. In exchange for more cash flow each...more
The Beauty of the Border City of TijuanaTake a San Diego trolley to the border and step across to the worlds most visited border city of Tijuana. Despite its close proximity to the US, Mexico vacations in sunny Tijuana allows you to shop at the legendary Avenida Revolucion where you will find the amazing bargains of beautiful Mexican handicrafts, leather goods, cigars, silver, beadwork, jewelry together with imported goods at bargain prices. You can learn so much more about the culture of Mexico by visiting the Tijuana Cultural Center or the Municipal Institute of Arts and Culture. Inject some excitement to your day and watch a Greyhound race at the Hipodromo Caliente, go to a Jai Alai Game at the Jai Alai Fronton Palace or see a bullfight at the El Toreo de Tijuana or the Plaza Munumental Playas de Tijuana. Right in Tijuana you will experience the many colors and flavors of Mexico and it is something you should never miss. Wonder at the Whales of MexicoHow can one describe the breathtaking moment when the whales come out of the waters and the mere sight of these gray marine mammals leaves you breathless with wonder?Gray whales migrate annually every fall from the cold waters...more
There are a variety of people who are opting to spend money on Iraqi dinar due to various reasons. Most people are eyeing the fact that the economic system is likely to be improving soon and within the close to future they will earn a lot of revenue...more
Truman Burbank (Jim Carrey) is the star of his own reality television show in the movie The Truman Show. What makes Truman's reality show so interesting is that he has no idea that he is part of it. Truman lives in a beautiful domed studio in...more
Essay Plagiarism and Honesty Plagiarism and honesty are indeed two contrasting terms that can never go together. Where one exists the other has to leave as both can never last together in any academic institution. Plagiarism is a very serious...more
Hong Kong Park and Aviary – An Expedition with Nature The Hong Park and Aviary is situated at the heart of the city in Central Hong Kong and covers an area of over 80,000 square meters. This beautiful park boasts many manmade attractions...more
Barristers and Clerks in Barristers' Chambers Barristers' Chambers refer to a collection or association of lawyers who are qualified to appear in court. They collectively own a practice on the same premises. This gives people the ability...more
Raised on the location of the ancient city of Thebes, Al Karnak is a place that will certainly impress any visitor. Among the hottest tourist destinations in Egypt, the complex at Karnak suffered many changes over the years yet, the redecoration...more