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Home refinance benefits are many, among them including:

Convenience. Refinancing to combine a first and second mortgage into one payment saves time and effort that occur when you make payments to multiple lenders. Consolidating a first and second mortgage also opens a junior mortgage lien position on your home if you decide to take out a home equity loan or line of credit in the future.

Lower payments. Perhaps you want to ease the burden of making payments on a 15-year mortgage loan by refinancing with a 30-year mortgage. Stretching out your loan term reduces your monthly payments. If you refinance to lower your payments, however, make sure your new mortgage doesn't impose a prepayment penalty: With the windfall that comes from lowering your payments, you may occasionally have the resources to pay an extra amount

Consolidating other debts. You may want to refinance in order to pay off an auto loan or credit card debt. After all, the interest on a mortgage or home equity loan is tax-deductible in most cases, while the interest on consumer debt is not.

Making fixed payments. To help you plan with more certainty, you may want to lock in a fixed monthly payment that occurs when you refinance an adjustable-rate mortgage with a fixed-rate mortgage loan.

Eliminating mortgage insurance. If the loan-to-value (LTV) ratio on your original home loan was more than 80%, your lender likely required you to obtain private mortgage insurance. PMI protects the lender in case a borrower defaults on a loan, which has a greater probability of occurring for high-LTV loans. Annual PMI payments can easily top $1,000.

In short, your options for refinancing are only limited by the marketing skills of savvy lenders. You may find that your current lender, eager to hang on to your business, offers you the best refinancing terms.

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Countdown to Armageddon Astonishing Predictions of the Future Transcript of the Documentary Family Care Foundation Orange California This Book can be found online at countdown.org All rights reserved. Although the concepts presented herein are public domain the document is copyright Family Care Foundation. You may distribute this document for non-commercial purposes provided you distribute the entire document including this and any other copyright information. Publisher Family Care Foundation P.O. Box 6070 Orange California 92863-6070 U.S.A. E-mail fcffamilycare.org Web site familycare.org In the last few years the world has gone from one Earth-shaking crisis to another. While some say that we are on the threshold of a Brave New World Order others warn that humanity now totters on the brink of unprecedented disaster & chaos! Reading the news nowadays is not the most cheerful way to start the day! Day by day the worlds problems grow more desperate & insurmountable. The question which plagues every thinking person is.What lies ahead? But ha manufactured and home and refinance s any mortal man ever been able to transcend the bounds of time & peer into the future? Throughout history there have been many who have claimed such powers and some like Nostradamus the Fatima Children Edgar Cayce and Jeane Dixon are widely accepted as having predicted various future events. And the world stage is now being set for the fulfillment of one awesome vision that many of these seers had in common an event so cataclysmic that it will change the World as we now know it for ever.the final apocalypse Armageddon! The Signs But if you really want to know the future exactly what is going to happen and why where & even when then you must turn to the thousands of prophecies recorded in this Book--The Bible! History has proven the extraordinary unerring accuracy of Bible prophecy. Therefore there can be no doubt that its hundreds of prophecies about the last days of our planet Earth will also be fulfilled just as surely as the ones that have already been fulfilled in the past. The only question is when? Sometime in the far future that we dont need to worry about now? Or are we in fact now standing on the threshold of these final great & climactic events of which all the Bible prophets includi manufactured and home and refinance ng Jesus spoke? 2000 years ago Jesus disciples sought answers to this same question! They asked Him Master tell us when shall be the sign of Thy coming & of the end of the World? Lets take a look at some of the Signs of the End that Jesus Himself warned us to be on the look out for. .signs that He said would come to pass just before His Second Coming and the end of the world as we now know it At the beginning of Matthew chapter 16 Jesus religious enemies challenged Him to show them a sign from heaven. He answered and said to them When it is evening you say It will be fair weather for the sky is red and in the morning It will be foul weather today for the sky is red and threatening. Hypocrites! You know how to discern the face of the sky but you cannot discern the signs of the times. Today modern technology has vastly improved our ability to forecast the weather but are we any less blind to the ominous signs of times in which were now living? So likewise ye when ye see these things come to pass know ye that the Kingdom of God is nigh at hand. Verily I manufactured and home and refinance say unto you This generation shall not pass away till all be fulfilled. Our generation--the generation in which these signs manufactured and home and refinance of the End are coming into fruition--will not pass till all be fulfilled! War And ye shall hear of wars & rumors of wars.For nation shall rise against nation & kingdom against kingdom (Matthew 247) No period has witnessed the escalation of wars as has the 20th Century. The Red Cross has estimated that over 100 million people have been killed in wars since the 20th Century began. Up until 1914 war had never been universal but in both World War 1 & 2 total war was waged. Since World War II the war that was supposed to make the world safe for democracy there have been numerous major wars & hundreds of rebellions & revolutions. The death toll in conflicts since the end of World War II has now topped 23 million. November 89!--The opening of the Berlin Wall symbolizes the end of the Cold War between the Superpowers.But instead of the expected peace more wars & rumors of wars raged around our planet. In 1993 a record 29 major wars were fought. Nation rising against nation & kingdom against kingdom could more accurately be translated as ethnic group rising against ethnic group--a prophecy dreadfully fulfilled in former Yugoslavia Rwanda & other trouble spots around the World. Not only are wars & rumors of wars on the increase but also the horrors that wars unleash. We have become numb to news of atrocities & tortures mass rape & murder which show what horrible savagery modern man is still capable of when he is unrestrained by God. Famine For nation shall rise against nation and kingdom against kingdom and there shall be famines. (Matthew 247) Former U.S. president General Dwight D. Eisenhower p manufactured and home and refinance ut the true cost of war in simple terms when he said Every gun that is made every warship launched every rocket fired is in a sense a theft from those who hunger & are not fed those who are cold & are not clothed. (Dwight D. Eisenhower April 16 1953) The Gulf War alone cost the Allies a half billion dollars a day or about $350000 a minute. A fighter plane costs around $25 million each. A Tomahawk missile about $1.3 million. An air-to-air missile $800000 each. Tank shells range from $2000 to $36000 each. Translated into more everyday expenses for the price of this one missile a school full of hungry children could eat lunch every day for 5 years. Throughout the 1990s more than 100 million children will die from illness and starvation. Those 100 million deaths could be prevented for the price of ten Stealth bombers or what the world spends on its military in two days! The World Health Organization estimates that one-third of the world is well-fed one-third is under-fed one-third is starving! Since youve entered this site at least 200 people have died of starvation. Over 4 million will die this year. However the world can produce enough food to feed its expanding population. While some famines are caused by drought or other so-called natural disasters children are more likely to be starving because of mans inhumanity to man--war embargoes government corruption and economic oppression. Such as the insurmountable debt many developing countries owe to international creditors who enticed them to take out huge loans and are now holding the debtor nations in economic slavery extracting exorbitant interest rates that ensure that the poor grow poorer and the rich lenders grow richer. While these children die of hunger rich Western nations burn millions of tons of food a year to keep prices high. Famines are largely a result of Mans corruption and greed and unwillingness to care for others. Plagues .and there shall be famines and pestilences (Matthew 247) Pestilences or plagues! Modern science seems to have eliminated the fear of plague but today we are on the verge of a deadly scourge that could kill more people then have ever been killed in all the pestilences yet known to man--it is the plague of AIDS. The HIV virus which causes AIDS has currently infected at least 13 to 14 million people around the globe. In 1993 AIDS became the leading cause of death of U.S. males between the ages of 20 and 45. Harvard University scientists estimate that by the year 2000 over 24 million people worldwide will have fullblown A manufactured and home and refinance IDS and an additional 100 million people will be infected with the HIV virus. However AIDS is not the only modern plague to afflict mankind. Virtually unheard of among our ancestors over 100 different kinds of cancer now kill over 5 million people every year. The depletion of the ozone layer which blocks much of the suns ultraviolet manufactured and home and refinance radiation is thought t manufactured and home and refinance o be responsible for a dramatic rise in melanoma a deadly skin cancer. The world recession resulting in poverty and homelessness has devastated the health care systems of many countries and diseas manufactured and home and refinance es once thought banished by modern science have made an al manufactured and home and refinance arming comeback. Epidemics of typhoid diphtheria and even the Black Death have afflicted areas of India and the former Soviet Union. Deadly new strains of Malaria Tuberculosis and Cholera are becoming resistant to all known anti-biotics and are killing millions of people. Even the common bacteria that causes pneumonia childrens ear infections and many other every day diseases are evolving into forms untreatable by all known medicines threatening a chilling post-antibiotic era where even the simplest infections could quickly escalate into fatal diseases. Jesus said there would be an abundance of pestilences or diseases marking the time of His Return. Epidemics like AIDS will become widespread as we enter the final era of mankind on this planet. Earthquakes .and there shall be famines and pestilences and eart manufactured and home and refinance hquakes in various places. (Matthew 247) March 27th 1964. Alaska is devastated by a massive earthquake measuring 8.4 on the Richter scale. Amazingly in the 30 years since the great Alaska quake there have been as many major earthquakes as in the entire previous 2000 years of world history! The World Almanac tells us that there were only 21 earthquakes of major strength between the years 1000 and 1800. But between 1800 and 1900 there were