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This article discusses
No cost refinancing best mortgage loan rates bad credit cash out refinancing.
| Consider
refinancing your mortgage if you can get a rate that is at
least one percentage point lower than your existing mortgage
rate and plan to keep the new mortgage for several years or
more. Ask an accountant to calculate precisely how much your
new mortgage (including up-front fees) will cost and
whether, in the long run, it will cost less than your
current mortgage.
Now to another subject:
here is some success advice: Are You An Excitement Addict?
Excitement produces a natural high virtually identical to
that induced by drugs. Some personalities are hooked on it.
Like chronic drug users, excitement addicts live for the
thrill of feeding their habit. These people generate their
highs by participating in daring actions and deeds.
See
home mortgage
for more
information.
Symptoms. The excitement addict loves romantic adventures,
late-night meetings, gambling for high stakes, speculating
in the stock market. Business people who are excitement
addicts indulge themselves in imaginative and risky deals.
They gamble on concepts and personnel, often hiring unlikely
people for adventurous new projects. As their successes
become the norm, they seek bolder ways to triumph.
Conversely, these addicts are reluctant to undertake any
tasks they consider routine. Daily chores, paperwork,
obligatory callbacks are unappetizing to them. Trap: To add
tang to these tasks, they procrastinate and/or overload,
which creates a pressure situation.
Causes: Excitement addiction follows the classic pattern of
any addiction. It is based on substituting something
pleasurable (excitement) for something stable and
substantial (love, friends, community).
Initial satisfaction: At first, the addiction delivers
pleasure at little cost. But as the addiction progresses,
the addict must have more and more of the addictive material
to gain the same satisfying effect. Words the addicts live
by: More is better.
Dramatic situations: Excitement junkies further hype their
lives by deliberately fostering dramatic situations.
Example: Stirring up trouble at work by being frank and
repeating confidential stories told by fellow employees.
Day of reckoning: Eventually, excitement addicts push
themselves to the breaking point. Then they suffer the
agonies of withdrawal.
How it starts: Excitement addiction stems from a natural
stimulation that is triggered by the body's hormones. (Many
hormones are involved besides adrenaline.) The condition is
independent of drugs, but the ups and downs of the
affliction are accentuated by their use.
To No Cost Refinancing Best Mortgage Loan Rates Bad Credit Cash Out Refinancing
Who is an addict? Only
high-energy people.
Their bodies are able to generate large quantities of
stimulating hormones.
Stunted areas: Addicts chase excitement while neglecting
other essential areas of life. Examples:
They have few, or no, close personal relationships. They
view them as unnecessary and dangerous emotionally.
When faced with a profound loss (a death in the family, the
abandonment of a long-term career project), they refuse to
grieve. Instead, they indulge in an activity that generates
excitement. Point: Excitement deflects and postpones painful
considerations.
How they live: Those addicts not heavily ridden with guilt
operate in the fast lane. They work and play hard.
Spare-time pursuits: Hang gliding, sports-car driving,
skydiving. If they are good managers, they can keep
themselves strung out for a long time. But traveling down
that lane, the addict keeps racing faster and faster.
Bad melodrama: Addicts who are more guilt-ridden slip into a
life-style best described as bad melodrama. They cause
crises so that they can manage them. Easily foreseeable
catastrophes are not prevented. (Indeed, they are nurtured.)
The more things fall apart, the more exciting the situation.
Addicts must have stimulation, even if it's negative.
Tragic heroes: These addicts are like tragic heroes dragged
down by the Fates to total collapse. They are prime
candidates for one, or all, of four unpleasant ends. They
may:
1. Drop out, quit, or be fired from their jobs.
2. Have either a physical or a mental breakdown.
3. Commit suicide.
4. Commit homicide. How to spot an addict:
Ask high-energy individuals if they would rather be bored or
dead. Those who answer dead are addicts.
In their early stages, addicts appear highly attractive.
With their infinite charges of energy they are vibrant and
dynamic. If they maintain their bodies by doing physical
exercises, they can be magnificent.
Addicts act in socially approved and encouraged ways. They
are doers, meeting life through action. Because of this,
they often arrive at advanced addiction before their problem
is recognized.
Example: A productive salesperson is the hit of any
conference, convention, or party. After years on the road,
however, closing a big sale is not enough reward. The
salesperson wants to spend more and more time pursuing
sexual adventures, financial projects with faint chance of
success, and gambling.
Subtle process: The unhappy result takes years to develop.
Excitement junkies remain productive, but there is something
missing from their performances. Their former creativity is
sapped by preoccupation with exciting diversions.
Plight of the entrepreneur: Frequently, under the thrall of
addiction, entrepreneurs feed their love of danger. They
often gamble on high-risk, long-odds ventures. Obsessed with
the drama of these transactions, they reach too far and fall
into the disaster they have courted all along. Result:
Addiction transforms the entrepreneur from productive to
pathological. Solution: Only therapists or business
consultants who are former excitement junkies can cure those
addicts.
Self-help:
Addicts must analyze what is missing in their lives. Why:
They have been compensating for the missing ingredient
through excitement.
To restore that missing element: Establish at least one
ongoing close relationship.
Cut back on extraneous facets of daily life and build up the
weak parts.
Example: A working wife and mother holds a full-time job
while running a house, raising three kids, and filling
time-consuming church and community posts. The excitement of
crises consumes her. Result: She breaks down by developing
several ulcers. Remedy: She backs off from her church and
community work. She slows down at her job. She devotes more
time to her family.
Caution: Sudden withdrawal from excitement addiction is
seldom painless. Usually, it involves total collapse in
which addicts completely reverse their pattern by sleeping
all the time rather than pursuing adventures. For those who
keep at the daily grind, withdrawal can take months, even
years.
Best bet: Catch addiction while in its early stages. It is
easier to cure, and less harm has been done. |
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