Point Lot

Does anyone know of any artists who use a lot of one point perspective in their pictures?

I have to do a final piece for my art gcse soon, and I have a perfect idea for what I want to do, but we have to find artists with similar work and copy some of their pictures. Not my favourite method but it’ll get me into college.
I’m looking for any reasonably accomplished artists whos pictures contain a lot of foreshortening.
I’m not sure if I’m wording this very well, so I’m looking for things like this -

You should look at the works of Renaissance artists. That’s when they started to develope techniques. Pictures of hallways usually demonstrate one-point perpective.

Some comic artists are skilled in perpective as well. Burne Hogarth, a comic artist (Tarzan), illustratro, and teacher, is very skillful in drawing the human Figure From various position and perspectives. Renaissance art happen to be his influence. Masashi Kishimoto, mangaka for Naruto, sometimes likes to use “fishbowl” perspective which uses rounded lines.

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Plug in Points to See How Your Financing Will Pay Off

One of the most innovative financial markets is the home mortgage loan sector.  And, when you toss points into the mix it adds convolution to an already complicated process.  Most buyers don’t understand the concept of points and hesitate to ask or go to the trouble to learn about the process.  They become overwhelmed and can be at the mercy of whatever the lender offers.

It’s actually quite simple.  Mortgage points are fees paid to a lender for a loan.  The points are usually linked to interest rates with the more points you pay for, the lower the interest rate.  You can view them as pre-paid fees.  It’s sort of pay now with points or pay later with interest. 

If you have the cash on hand to pay points and you still can’t decide if you should pay them to get a lower interest rate ask yourself what you would do with the money if not spent on points.  If you’re buying a home you probably have many needs for the extra money but don’t be short-sighted.  Invest for the long term.

Most lenders typically charge one point for the loan origination fee and additional points on loans that have interest rates under the current market rate.  The lender gets some money up front in exchange for a lower interest rate.  It’s a win situation for both parties. You can check the newspaper or the Internet for current rates and points being offered and their combinations, which are many and negotiable.

Some mortgage points will reduce the interest rate and some won’t. Discount points are based on how much money you borrow.  One point equals 1% of the loan.  For example, 1% of $100,000 would be $1,000.  You can expect a reduction of about one quarter percent for each point paid.  Paying points does not reduce the amount borrowed but how much you’ll be paying back.  So, paying points depends on a lot of factors.

If you don’t have the cash to pay points then it’s a moot point.  (No pun intended).  The main thing to consider is how long you plan to keep your home.  In other words, will you keep the home past the break-even point?  That’s when your accumulated monthly savings exceed what you’ve paid in points to get the interest rate down.

Paying points is probably a good investment if you plan to keep the home five years or more. Points can be considered an investment when it continuously yields a savings the longer you stay in the home.

A chart can be prepared to show you the options and when the break-even point occurs.  Ask the lender to quote points in dollar amounts so you can easily see how much you’re spending. 

It’s thought the mortgage point system is used only in the United States.  That’s probably a plus for the creators of our financial system which enables more families to purchase a home who otherwise would not qualify.  Get the point?

About the Author

This article was written by Arek Zbikowski. For more tips and information on saving money with mortgage points feel free to visit my site at www.atozmortgageguide.com.

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