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Former Homeless Family Offers Three Homes to Survivors of Katrina
CHICAGO - Toni Shelton knows the challenges of being homeless with children, and now that she has found success in her life she is opening her three homes to refugees from Hurricane Katrina.
"I've been in a homeless situation myself with my...
Gift Giving During Thanksgiving Adds That Special Touch
Many of us believe Christmas is one of the most celebrated holidays, right? Actually, one of the most notable occasions is Thanksgiving. Thanksgiving is surprisingly a widely celebrated holiday that crosses over many nationalities and religions....
Toilet Terrors and Other Potty Training Fears
Potty training fears, often called toilet terrors, are common among toddlers and small children. Look at things from your child’s perspective. He is giving up the security of a diaper for a big, cold thing with a giant hole that might swallow...
Want A Great Family Dog?
A breed of dog called a Boxer is very family-oriented and they always love to be around people. Treat them as family members. Never underestimate their need for human companionship, which is the most notable trait of this breed.
The Boxer is...
You Want Whaaat???
Not too long ago my teenage daughter approached me with a very special request... one that not every father gets from his loving daughter. I was sitting in front of the TV after a hard day at work and while I was fidgeting with the defective cable...
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The Question Is - To Refinance or Not?
What does it mean to refinance? Why would anyone want to
consider it? There are numerous situations when someone
would refinance. When we use the word refinance, we are
basically referring to a loan: for example a car or house
loan. It may also be a business loan. In this article, we
are going to explain the home loan and some of the common
terms of refinancing and how they apply to other types of
loans as well.
The process of taking out a new mortgage or loan is called
refinancing, and using that money which you have received,
to close out your older mortgage. The process of doing a
refinance helps many homeowners, because you may then be
able to obtain a loan at a more favorable interest rate.
This can mean that you have the capability to retire
your mortgage earlier and have a lesser amount owed.
Since a refinance plan basically amounts to taking out a
new mortgage and closing out the previous mortgage, the
procedures involved resemble, those involved in taking out
your first mortgage. It is vital to keep in mind that the
procedure will probably involve at least some of the same
expenses again, because of this. But in view of the huge
amount of money that refinancing can benefit you, homeowners
discover that it is often well worth the hassle. Some
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people may even decide to save up a specific amount of
money and apply it as a 'down payment" on the sum that they
refinance. They can then refinance a lesser amount and the
payments will be less.
Of course, the most popular reason to refinance is so
that homeowners can secure a lower interest rate and
therefore pay lower repayments each month. If the interest
rate that you received on your mortgage is higher than
current interest rates, you will probably want to consider
the benefits of refinancing. This means that even if your
refinanced mortgage is for the same amount as your
original mortgage, the lower interest rate means a total
lowered cost to you. Often a long-term loan will have a
large amount of interest and you may spend years paying
off just the interest and not paying the principal.
Naturally, when you refinance, it can mean lower
monthly mortgage payments for you and your family.
This essentially gives you greater freedom each month,
and far better security financially. Look into refinancing
options today, and start saving on your home mortgage!
Contact a mortgage broker and ask him or her to investigate
what options are open to you.
Hilda Schultze has created a one stop resource site
Refinance Ctr
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| Family.org |
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| Family - Wikipedia, the free encyclopedia |
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| Many articles dealing with a wide range of topics from single parenting, family life, child development and stress management. ... |
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| Family Research Council: Wednesday, December 6, 2006 |
| Christian organization promoting the traditional family unit and the Judeo-Christian value system upon which it is built. Provides links, commentary, news, ... |
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| Sesame Workshop - Home Page |
| The non-profit educational organization behind the show and related educational outreach. |
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| National Sex Offender Registry |
| Free national US search for registered sex offenders. Map registered sex offenders to see who lives in your area. |
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| Caregiving advocacy organization with tips and statistics on caregiving in America. |
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