yourfanat wrote: I am using another tool for Oracle developers - dbForge Studio for Oracle. This IDE has lots of usefull features, among them: oracle designer, code competion and formatter, query builder, debugger, profiler, erxport/import, reports and many others. The latest version supports Oracle 12C. More information here.
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Today's Most Common Mortgage Refinance Mistakes

LOS ANGELES, Dec. 14, 2012 /PRNewswire-iReach/ -- Thanks to mortgage rates that seem to dip lower and lower by the day, you're probably tempted to refinance.  Luckily, with just a few clicks of your mouse, can connect you with plenty of offers to refinance your mortgage. But before you agree to anything, it's important to learn what the most common mistakes are – so that you can avoid them:

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1.  Not paying attention to closing costs

Remember, when you refinance, you're creating a brand new loan. That means you've got to pay a whole new set of closing costs. Yes, it means coming up with a chunk of money right now. But, as the old business saying goes, "sometimes you have to spend money to make money." In this case, if you can drop your mortgage rate by a few percentage points, you can save thousands of dollars each year!That doesn't mean you should be willing to fork over an arm and a leg at closing time, though. Be prepared to negotiate when it comes to your closing costs. After all, lenders are just as competitive when it comes to refinancing as they are "traditional" loans.

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2.  Refinancing too often

With all of the news articles floating around out there about the record low mortgage rates (not to mention all of the commercials from lenders screaming about how easy it is to refinance these days!), it can be tempting to want to refinance at the drop of a hat. Don't do it, though. As easy as the commercials make it seem, refinancing is still a complicated process – and there is still a chunk of closing costs waiting for you at the end of the rainbow. If you do it too often, you'll wind up spending so much in closing costs that you'll never actually save any money! Instead, pay attention to the old song and "know when to hold 'em and know when to fold 'em." In other words, pick a time to refinance and stick with it. If the rates continue to drop, oh well.

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3.  Not reading the fine print

This might seem like it goes without saying, but you'd be surprised at how many people sign on the dotted line without actually reading the terms of their loan! When you're going to commit to something for the next 15 or 30 years (and agree to pay off something as expensive and important as your home), you need to know what the terms are. In today's housing market, things have changed dramatically.   Just because you read the fine print the first time around doesn't mean you can skip it now. Thanks to new laws and tighter regulations, the lending world is totally different than it was a couple of years ago. So do yourself a favor and get educated on your new loan!

Media Contact: james paffrath RealtyPin, 514-836-1432,

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SOURCE RealtyPin

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