Refinance Benefits - Refinancing Could Save You Money

Written by Bwalya Mwaba

Continued from page 1

4. Refinancing to Switch From Variable to Fixed Rates. You can also refinance in order to switch from a variable rate loan to a fixed rate loan. The main reason behind this type of refinance is to obtainrepparttar stability andrepparttar 140157 security of a fixed loan. Fixed loans are very popular when interest rates are low, whereas variable rate loans tend to be more popular when rates are higher. When rates are low, you can refinance to lock in low rates. When rates are high, you may preferrepparttar 140158 short term discounted variable rate loans to obtain lower payments. A major benefit to refinance isrepparttar 140159 ability to lock in a low interest rate forrepparttar 140160 duration of your loan.

5. Refinancing to Switch from One Lender to Another. Some lenders offer better mortgage or loan deals than others. They may offer better customer support services, more flexible loan repayment terms or just a service that is more suitable for your needs. Refinancing your loan can allow you to drop your current lender and switch to a new one with a better loan or mortgage package.

You should carefully considerrepparttar 140161 savings you can make by refinancing againstrepparttar 140162 costs and penalties. Any homeowner can refinance, butrepparttar 140163 point is to find a deal that will improve on your existing mortgage or loan.

ˇ¦Copyright 2005, Bwalya Mwaba writes for the The Commercial Mortgage Guide. Visit our website for mortgage related news, articles, tools and more: This article may be reprinted as long as all the above links are active and clickable and this author box (byline) is not edited.

The Secret of Intuition

Written by Abraham Thomas

Continued from page 1
9. Nerve cells have memories. The next clue to intuition pointed torepparttar nerve cell as a potent recognition machine. The insight related torepparttar 140134 recently announced discovery that nerve cells used a code forrepparttar 140135 recognition of smells. A combinatorial code. That discovery was awarded a Nobel Prize in 2004. It was a code, which recognized smells. But, you needed to remember a smell to recognize it. That memory had to be stored and recalled. And,repparttar 140136 book, The Intuitive Algorithm, explained how a combinatorial code logically demanded a memory for combinations. Each nerve cell could remember millions of combinations and respond to recognized patterns. That major discovery also implied thatrepparttar 140137 coding could grant a galactic memory torepparttar 140138 nervous system. The secret of human memory was a puzzle sought roundrepparttar 140139 world by thousands of scientists. Yet, massive memories could reside so obviously inrepparttar 140140 combinatorial codes of nerve cells. 10. Object Recognition. But, how could recognition be organized within this vast, enigmatic, neural circuit? Many scientists favouredrepparttar 140141 view ofrepparttar 140142 mind as a single collective network. Friston suggestedrepparttar 140143 example of interacting waves in a pond. A stone dropped intorepparttar 140144 pond affectedrepparttar 140145 whole. According to them, complex internal computations createdrepparttar 140146 intelligence. As opposed to this, medical texts reported thatrepparttar 140147 mind had a hierarchy of intelligences, which performed independent tasks. Each intelligence was separate – likerepparttar 140148 association region that recognized a pair of scissors usingrepparttar 140149 context of its feel. If you injured this region, you could still feelrepparttar 140150 scissors with your eyes closed, but you would not recognize it as scissors. You still feltrepparttar 140151 context, but you would not recognizerepparttar 140152 object. The IA logic could enable a group of nerve cells to evaluate context and recognize. So, intuition could enable nerve cells in association regions to recognize objects. Medical research reported many such recognition regions. 11. Event recognition. Instant pattern recognition was possible. The mind could be a pattern recognition system, which recognized objects and triggered motor outputs. Beyond mere object recognition,repparttar 140153 mind could also recognize events. As against static objects, events were dynamic. There were reported cyclic timing networks inrepparttar 140154 nervous system, which could use IA to recognize events. Justrepparttar 140155 way a bank computer recognized a fraudulent activity. An event could be a simple verb, such as “walk,” or a complex idea, say,repparttar 140156 achievement of democracy. The massive memories in nerve cells could enable them to recognize intricate events, like war, or a mathematical theory. Thought wasrepparttar 140157 recognition of events. Recognition ofrepparttar 140158 dynamic present fromrepparttar 140159 context of complex remembered patterns. The concept has also been explained in The Intuitive Algorithm. 12. The mind – seamless pattern recognition. Therepparttar 140160 mind was a recognition machine, which instantly recognizedrepparttar 140161 context of its ever changing environment. The system triggered feelings when particular classes of events were recognized. The process was achieved by inherited nerve cell memories accumulated across millions of years. Whenrepparttar 140162 mind recognized events, it triggered anger, or fear. And feelings triggered actions. IA could enable a feeling to move a muscle. Actions were sequences of muscle movements. A drive. Drive sequences could be remembered by nerve cells. Feel anger and pullrepparttar 140163 trigger. A single feeling could trigger a drive. That was how we were driven. Sorepparttar 140164 circuit closed. Half a second for a 100 billion nerve cells to use context to eliminate irrelevance and deliver motor output. The time betweenrepparttar 140165 shadow andrepparttar 140166 scream. So, from input to output,repparttar 140167 mind was a seamless pattern recognition machine. 13. Consciousness. Machines were perceived to be clanking mechanical things. If intuition was a pattern recognition algorithm,repparttar 140168 mind could be one such machine. But,repparttar 140169 reader could protest that we were different. After all, we could see, recognize and feel. We had a free will. But, pattern recognition could explain that too. Science reported that there was a region, which received sensory perceptions, recalled memories, and recognition images from all regions. This region was also known to be able to direct attention. They called theserepparttar 140170 prefrontal regions,repparttar 140171 seat of consciousness. We identified ourselves with that region. The final seat of wisdom, which willed. This wasrepparttar 140172 seat of a superior intelligence. Unfortunately, in spite of an exercise of will, reality persisted. Will, or a more powerful emotion decided. It wasrepparttar 140173 primitive limbic system, which maderepparttar 140174 final decision. Emotions needed to be stilled so that consciousness could be free to arrive at calm actions. Thus, stilling emotions becamerepparttar 140175 prime objective of sages, across millenniums. 14. Religion and mysticism. The final insight showedrepparttar 140176 limitations of intuition. This incredibly powerful recognition machine could creatively connect to memories of millions of years of history and even,repparttar 140177 divine. Intuition was an elimination algorithm. It was a subconscious process. Creative and mystic inputs were timid and ethereal. Faith and expectation encouraged them, while doubt, or suspicion eliminated them. Inevitably, such a relentless elimination process often set scientific minds at loggerheads with religion and mystic insights. Because science was, by its very analytic nature, suspicious. So, without access torepparttar 140178 whole,repparttar 140179 wisdom of science was limited. These ideas, and more, have been suggested in The Intuitive Algorithm, an unusual new book. These conclusions are yet to be accepted by science. It goes against millions of pages of their favourite theories. Butrepparttar 140180 book has a powerful logic, which will ultimately prevail. Inrepparttar 140181 meanwhile, open minds aroundrepparttar 140182 world could benefit from its insights.

Abraham Thomas is the author of The Intuitive Algorithm, a book, which suggests that intuition is a pattern recognition algorithm. The ebook version is available at The book may be purchased only in India. The website, provides a free movie and a walk through to explain the ideas.

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