Refinancing Your Home Mortgage - Get Up To 125% Cash From Your Home's Value

Written by Carrie Reeder

Continued from page 1

A lending institution must provide you with a written statement ofrepparttar terms and costs of refinancing your mortgage. This statement will inform you ofrepparttar 150494 amount ofrepparttar 150495 loan,repparttar 150496 interest rate, payment schedules, and charges related torepparttar 150497 loan. You will haverepparttar 150498 right to cancelrepparttar 150499 loan and receive a refund of monies paid within three days of signing your contract.

You may be able to get a loan up to 125% ofrepparttar 150500 value of your home. This would mean an increase in your monthly payments, depending onrepparttar 150501 interest rate you receive, andrepparttar 150502 extra cash you get can be used for any purpose you see fit. This is an excellent option for those wanting to pay off credit cards, student loans, or make improvements torepparttar 150503 home. By comparing lenders and loan packages, you can potentially save thousands of dollars in interest and possibly getrepparttar 150504 extra cash you need.

Today's low interest rates and competitive lending industry give homeowners many choices in refinancing or purchasing a home. You can save money each month and overrepparttar 150505 entire length of your loan by comparing lenders andrepparttar 150506 products they offer.

To see a list of recommended mortgage refinance loan companies online, visit this page: - Carrie Reeder is the owner of ABC Loan Guide, an informational website with articles and more about various types of loans.

Investing and Speculation

Written by Ioannis Evangelos (Akis) Haramis

Continued from page 1


They tend to avoid extreme risk, do their own research, and act rationally.


They are typically older, more careful, and more risk averse.

Straight Arrows:

They fall in betweenrepparttar other four personalities and are typically very balanced.

In speculation two things will be always around:

A. There will always be people willing to speculate and

B. History always repeats itself!

Speculation objects, rules and technological methods will always be changing. But, what has happened before will most likely happen again.

Whether it's tulip bulbs, precious metals, bonds, lottery tickets, ball games, or stocks, human nature is human nature. Ignorance, fear, greed and hope determine how people react and thus how prices move and markets behave.

People have speculated on almost everything at one time or another. Speculating, trading and investing on stock prices have become an essential part of our lives and economy. Trading is just another word for speculating, and investing is nothing more than speculating, except that it supposedly encompasses a longer time horizon and for some reasons it implies less risk.

Speculation and gambling are similar, with a few important differences. One major difference is that sometimes, successful speculators profit due to their skill, while gamblers prospect due to their luck.

Whether a trader, a speculator, or a gambler in all casesrepparttar 150493 aim is to make a lot of money in a harry, and to be able to know when not to invest!

Copyright 2005 Ioannis - Evangelos (Akis) C. Haramis Ioannis - Evangelos (Akis) C. Haramis was born in Athens, Greece in 1951. He studied in Greece, in USA and in Belgium and has been active in the stock markets since 1972. Since 2002 he is New Business Development Managing Director at an Investment Bank and the editor of

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