Is Refinancing a Good Idea Right Now?

Written by Barrett Niehus


Continued from page 1

Keep in mind that mortgage lenders are sales people, and mortgage brokers are essentially selling you a product. They make money when they sell you a mortgage. Withrepparttar current emphasis on low finance rates, they are inundated with business, and are more focused with gettingrepparttar 112745 loan closed than with evaluating your future ability to pay. As sales people, they have been given a number of products to sell, and because ofrepparttar 112746 current frenzy, have been given substantial leeway fromrepparttar 112747 banks. Therefore, they can forgo many ofrepparttar 112748 risk analyses that were necessary during leaner banking times and sell whatever mortgage product is available.

With mortgage brokers trying to fund all ofrepparttar 112749 business that they are given, and with mortgage products that carry high uncertainties,repparttar 112750 risk associated with purchasing or refinancing is higher than ever. If refinancing or funding a new mortgage isrepparttar 112751 best financial decision for your specific situation, be aware ofrepparttar 112752 risks, quantifyrepparttar 112753 benefits, and realize that your mortgage lender has a vested interest in closingrepparttar 112754 deal.

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Barrett Niehus is the Managing Director or IP Ware Real Estate Investment Analysis Software, http://www.freetrainer.com


Saving Money -- Here's How

Written by Stephania Munson-Bishop


Continued from page 1

The SHARE Food Program, andrepparttar SHARE Pharmacy, are just two ways to stretch your money torepparttar 112744 'savings' point. Imagine this: 3 different SHARE packages offered in one month. (1) chicken breasts, 1 lb. deli roast beef, chicken thighs, meatballs, bar-b-que sauce, toaster bagels, potatoes, onions, and additional fruits and vegetables. (2) turkey breast, boneless, ready to cook, 4 lb.; plus one 3-lb. boneless ham. (3) Eight 6-oz. ribeye steaks. Each package: $15. plus 2 hours community service.

At last count, there were 5,000 community organizations known as SHARE host sites inrepparttar 112745 U.S. alone, serving more than 175,000 each month. SHARE is an acronym for Self Help and Resource Exchange. You're guaranteed at least $30 worth of food in each SHARE box. There are no income requirements to participate. You can even log your two hours of community service inrepparttar 112746 SHARE warehouse in your neighborhood, bagging oranges or onions or carrying a food box to an elderly person's car. Not only that, but you'll meet friendly, happy people who are all inrepparttar 112747 same frame of mind -- saving money.

Call 1-619-544-2980 for a SHARE sponsor near you. Or go to: http://www.worldshare.org/site/index.asp?coach_id=5390

SHARE Pharmacy was formed in December '98, to offer low-cost prescription services. This is fromrepparttar 112748 World SHARE website: "Prescriptions are delivered by mail within 10-15 days torepparttar 112749 patient's door, a real bonus for those who have trouble getting out. For patients needing to transfer prescriptions, our friendly staff is here to help. If you know of anyone who is struggling to pay for their prescriptions medicines, please let them know of this fantastic program."

Gram emailed for some prices on common medications: Accupril (for high blood pressure), 40 mg., 30 tablets - $33.; Lipitor (for cholesterol), 20 mg., 30 tablets - $85.99; Atenolol (a heart medicine), 50 mg., 60 tablets - $10.49 generic. These prices are for someone without insurance or Medicare. Call 1-800-542-1110. Or email for fastest service: mailto:Pharmacy@WorldSHARE.org

These are both wonderful, non-profit programs that could grow even better if more people would take advantage of them.

Stephania is a human services professional who published "Tidbits from the Pantry," a monthly ezine to over 10,000 subscribers. Visit her site at http://www.humansrv.net


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