Lala Balakala

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Posts by Lala Balakala

Face of an Ant

Face of an Ant


This is how an ant looks upclose!

That’s a Useful Hammer

Thats a Useful Hammer



This one is a useful hammer! Finally someone came up with one!

Act Now to Refinance Your Home Before It’s Too Late

Act Now to Refinance Your Home Before It’s Too Late

– There has never been a better time to refinance your home. That’s because of a little-known government program called the Home Affordable Refinance Plan (HARP). This allows Americans to refinance their homes at shockingly low rates, and reduce their payments by as much as $4,905 a year.

But here’s the catch – like most government programs, this is likely temporary. But the good news is, once you’re in, you’re in. If the thought of a lower payment, fewer years on your mortgage, and even taking some cash equity out of the deal is appealing, the time to act is right now.

A true middle-class stimulus package

This is unknown to many, but the Home Affordable Program is for the middle class. If your mortgage is $625,000 or less, you most likely qualify. Basically, the Government wants banks to cut your rates, which puts more money in your pocket (which is good for the economy). However, the banks aren’t too happy about this – here’s why:

  1. You can shop several lenders, not just your current mortgage holder

  2. Your home’s Loan-to-value (LTV) can be 80% to 125%
    More >

Warm Winter

Warm Winter

Winter in Russia is fading already…

Admin message

Hi visitors of Visboo!

As you might notice we have a “Submit your post” link in the top part of the website. This can be used to submit your own posts. The posts are hold for moderation.

We’ve started receiving some posts already, but some of them lack the attached photos, so if you submitted something recently and don’t see it published, like for example the posts “Oregon Reflections” or “What can you find playing golf”, then the photos have not been attached, we encourage you to resubmit!

Also there is a rating system being implemented which was planned to rate posts to filter according to your interest, it can be found in top right corner of posts (two colored thumbs for now).

That’s what I wanted to tell you. Hope you enjoy visiting the site!