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. With current emphasis on low finance rates, they are inundated with business, and are more focused with getting 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 of current frenzy, have been given substantial leeway from banks. Therefore, they can forgo many of risk analyses that were necessary during leaner banking times and sell whatever mortgage product is available.

With mortgage brokers trying to fund all of business that they are given, and with mortgage products that carry high uncertainties, risk associated with purchasing or refinancing is higher than ever. If refinancing or funding a new mortgage is best financial decision for your specific situation, be aware of risks, quantify benefits, and realize that your mortgage lender has a vested interest in closing deal.

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The SHARE Food Program, and SHARE Pharmacy, are just two ways to stretch your money to '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 in 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 in 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 in 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 from World SHARE website: "Prescriptions are delivered by mail within 10-15 days to 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.