March 24, 24 Hours, 24 Articles, and 1 soon to be struggling with carpal tunnel writer.  It’s beginning to  dawn on me just how extensive this project will be.  I have come up with ideas for some of the posts, and jotted down a few ideas so far.  I want to do the majority of the writing on the 24th.

To many bloggers 24 posts is not a very significant amount for one day.  Then again that is their full time job.  I’m not sure how they don’t get blocked up.  Of course many of them are looking at a newsfeed, commenting on other posts, or bringing up weird stories.  Not that there is anything wrong with this.

My goal is to pack in as much value for you as possible within my 24 posts.  Just 4 days left!

In less than a week, I will be turning 24. Granted this isn’t the most incredible of life’s landmarks, I want to do something different for my golden birthday. With that I am going to do two difficult tasks.

First, I am going to change the look of Aridni. I have had an idea in my head for a new them for a couple of months now. It’s time I finish coding it and get it released. On March 24, Aridni will look quite a bit different. Hopefully it’s for the best.

Secondly, and perhaps quite a bit harder than putting together the theme in one week, I am going to post on the 24th. A LOT. I am going for 24 posts in 24 hours.

To make it fun, I will give away a $24 Amazon gift certificate to a lucky commenter on the this day.

Just in case you haven’t done so already, make sure you are subscribed to the Aridni RSS feed, because you don’t want to miss out on this posting spectacular.

If anybody else wants to join me in the pursuit of a plethora of posts, please let me know and I’ll get a link to your site here.

I need to go stock up on coffee and start stretching my fingers, because the fun is about to begin.

I just wanted to share with you this post from Seth Godin’s blog. The article is basically about the tendency to keep good ideas down in favor of the current status quo. It’s a short little post, but I found it to be motivational.

There’s a myth that all you need to do is outline your vision and prove it’s right—then, quite suddenly, people will line up and support you.

In fact, the opposite is true. Remarkable visions and genuine insight are always met with resistance. And when you start to make progress, your efforts are met with even more resistance. Products, services, career paths… whatever it is, the forces for mediocrity will align to stop you, forgiving no errors and never backing down until it’s over.

The forces of mediocrity

I just saw a commercial for my idea a little while ago. The only problem was that it wasn’t mine. Over a year ago I had a million dollar idea that would take some setup time, and be only a matter of promotion from there.

One of the big issues that I face is that my programming skills in this language aren’t as high as they need to be. I have to reference books to move forward with the project.

An even bigger issue is distraction. I’m kicking myself for not working as hard and long on the project as I certainly needed to be. There is still room for more in this particular area for another player, so hopefully if I can launch within the the next four months I might have a chance.

Crossing my fingers and hoping for the best won’t produce results. Like most things, focusing and doing the work will. I need to get going before I see advertisements from another company now.

Now that the holidays are over, the number of divorcees looking for a rental house explodes. I thought it was just an interesting fluke last year when we were trying to rent out a larger property. This year, a property manager has confirmed that he finds more newly separated people looking for a new home than any other time of year.

How interesting since it’s also Valentine’s Day time, huh?

Valentine’s Day and personal finances make an interesting combination… a situation we haven’t figured out the best way to handle. Spend a fortune on stuff? Bypass the big spending? Put the money toward something “super sweet” like your hubby’s Roth or a new stock pick?

We’ve always downplayed this holiday at our house–usually because we’ve had a house to rent out! Now I’m contemplating all of the past articles on Aridni and wondering what the best solution is.

Many veterans who have used their VA Home Loan benefit to purchase their homes have also refinanced with an Interest Rate Reduction Refinance Loan (IRRRL). An IRRRL is a refinancing program that is offered by the VA for veterans who want to refinance their current loans to get a better interest rate on their mortgage.

Some interesting facts that you should know about the VA IRRRL are:

• An IRRRL is used to refinance an existing VA loan with a new VA loan that usually has a lower interest rate.
• An IRRRL can be a fixed rate loan, an adjustable rate loan, or a hybrid adjustable rate loan.
• An IRRRL must be at a lower interest rate than your previous mortgage loan unless you are refinancing from an adjustable rate mortgage loan. This is because the interest rate with a fixed rate loan may be the same or slightly higher than your current interest rate with your adjustable rate mortgage loan, but once the rate begins to adjust it may increase. Therefore you should refinance an adjustable rate mortgage before the interest rate starts to increase.
• The monthly payment for an IRRRL must be lower than the previous loans monthly payment unless you are refinancing an adjustable rate mortgage or the new loan term is a shorter amount of time than the old loan term, like 20 years instead of 30 years.
• For most IRRRLs the VA does not find it necessary to get an appraisal, credit information, or underwriting. Your VA approved lender may require these things, and if they do the costs can be financed into the new loan.
• The lender can usually close an IRRRL automatically, so it is not a complicated loan process like taking your original mortgage loan.
• If the loan that is being refinanced is over 30 days past due then the VA must approve the refinance so it can not be submitted automatically by the lender.
• If thee loan that is being refinanced is more than 30 days past due then the late payments and charges to bring the old loan current can be financed into the new loan. The costs that are involved if the lender has already begun foreclosure can also be refinanced into the loan as long as they are reasonable.
• Energy efficient improvements are allowed to be refinanced into the IRRRL. This means that if you want to purchase a more efficient furnace, put in new windows, re-insulate, or make any other home improvement that will save you money on utility bills in the future, then you can use the equity in your home and pay for these improvements with your IRRRL.
• There may be an increase in your monthly mortgage payment amount if you finance energy efficient home improvements, finance your closing costs, include the funding fees in the loan, finance points, or get a higher interest rate when moving from an adjustable rate to a fixed rate mortgage.
• Only as much as two points can be financed into the IRRRL at closing. A point is equal to 1% of the loan, and if you take more points on the loan then you can lower your interest rate.
• You can not take cash out with an IRRRL. You can finance home improvements for the purpose of saving money in the long run, but that money is paid back to you as a reimbursement after the work is completed and it must be within 90 days of the loan closing. You do not get cash out of your home with this refinance loan.
• If your monthly payment will increase by more than 20% due to home improvements, fees, closing costs, a shorter loan term, or other factors then the VA does require credit information and underwriting.

For more information on the VA IRRRL program go to www.va.gov