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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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) author knowledge. Earlier research has disclosed that author knowledge stands as a predictive factor for the volume of reading material that a person actually reads (Stanovich 1993). This same logic was assumed to apply to TV knowledge ie individuals with high TV knowledge scores are assumed to spend more time watching television. The Need for Cognition Scale. This scale taps the human disposition to enjoy or prefer mental life involving effort challenge or exertion. The scale has an extensive history within experimental psychology and its sizeable data base is reviewed in Cacioppo et al. (1996). Two sample items are �The notion of thinking abstractly is appealing to me� and �I only think as hard as I have to� (reverse item). The scale is published on the Internet on Dr Cacioppo�s site (accessed January 2000) Subjects and Procedure Questionnaires were administered at the end of workshop classes in core topics within a university teacher education program for early childhood and primar mortgage pro usa y level teachers. An effort was made to sample first second and third year classes. From around 350 possible students per year level responses were obtained from 77 first years 98 second years and 57 third year students. Of the 232 total 202 were teacher education majors whilst the others were students from other faculties who happened to be undertaking education topics. The sample included 182 females and 50 males. The Belief Questionnaire and Media Questionnaire data were available for the full sample. However the Need for Cognition Scale required additional time and was not able to be administered to some groups. This scale was completed by only 136 of the sample. Preliminary analyses indicated that the education and non-education students did not respond significantly differently on any of mortgage pro usa the measures. Similarly the early childhood students did not differ from the primary level students and no significant effects were found to be associated with student year level. Although many of the students had participated in science education topics as part of teacher training it is unlikely that any of the sample had engaged in any formal scientific study at the tertiary level. Results New age statements. Initial inspections of the data revealed that of the 8 New Age statements presented only 2 were clearly rejected by the majority of the students (see Table 1). This general failure to reject these statements was not explained by response set tendencies since several filler items were mortgage pro usa rejected or accepted by the majority. For example one filler item The average person can win a good deal from poker machines yielded a rejection (ie response < 0) level of 82%. A further filler item On balance life is an enjoyable experience yielded an acceptance (>0) level of 84%. The means and modal scores per item are depicted in Table 1. Notably the modal (ie most frequent) response to 5 of the 8 NA items was 1 or �slightly believable�. However in tallying across all 8 target New Age statements it was found that the overall modal response score was 0 or �no particular opinion�. That is when confronted with the range of statements each rated by the faculty panel as �totally unbelievable� the most common response overall from the student body was �no particular opinion�. Frequencies of acceptance and rejection. In Table 1 the rate of rejection rate (ie �skeptics�) and acceptance (ie �believers�) is shown per item. A sightly different picture emerges when we considered mortgage pro usa rejection levels summed across all 8 targeted items. Using a weak criterion of rejection (ie responding on the minus side of the scale) it was found that the mean number of statements rejected out of 8 was 3.5 per individual (ie the average student rejected 3.5 of the 8 New Age ideas). Using a correspondingly weak criterion of acceptance (ie responding on the positive side) it was found that the mean number of statements accepted per student was 2.95 out of 8. We found that of the total sample of 232 4 individuals (3 female 1 male) rejected all 8 statements and 1 individual (female) accepted all 8 statements. Science statements. A high level of ambivalence was also evident in the students� apparent attitude to the pro- and anti-science statements (see Table 2). The modal response was �no particular opinion�. The majority of students responded in the pro-science direction on 2 items and in the anti-science direction on a further 2 items (see Table 2). Table 1 New Age items Percentage of believers and skeptics per item Statement Mean (SD) Mode (%) Skeptics (as %) % No Opinion Believers (as %) Factor Loadings Razor blades can be made sharp by placing them under pyramid shaped objects. -1.35 (1.5) -3 (33%) 62 32 6 0.13 If enough people meditated the crime rate would decrease. -0.85 (1.7) -3 (24%) 58 17 25 0.46 Past lives (reincarnations) can be uncovered through hypnosis. -0.43 (1.8) 1 (28%) 46 13 41 0.79 Star signs (astrology) can be used to analyse your personality makeup. -0.43 (1.9) 1 (32%) 46 8 46 0.74 Certain crystals possess magical healing properties. -0.35 (1.8) 1 (30%) 43 14 43 0.77 Extra-terrestrial craft known as UFOs sometimes visit the earth. -0.12 (1.8) 1 (28%) 36 18 46 0.69 The spirit world can be contacted through seances or thro mortgage pro usa ugh psychic people known as mediums. 0.0 (2.0) 1 (22%) 39 14 47 0.58 Although he wrote over 400 years ago Nostradamus accurately predicted the course of modern history. 0.12 (1.4) 0 (38%) 23 38 39 0.62 Notes (a) The mean is expressed on a 7-point scale ranging from -3 to +3 where 0 represents the midpoint �no particular opinion�. (b) Skeptics are individuals who rejected the statement by responding either �3 -2 or �1. Believers are individuals who accepted the statement by responding at either 1 2 or 3. Table 2 Anti-scientific statements Responding by item. Statement Mean (SD) Mode (%) Pro-sci % % No opinion Anti-sci (%) Factor loading Overall the impact of science on modern civilisation has been more for the negative than the good. -0.72 (1.6) -2 (28%) 56 20 24 0.28 The scientific/biological theory of human evolution is basically correct (Reverse) -0.46 (1.7) -2 (29%) 55 25 20 0.71 For any hope of success the significant problems facing mankind have to be approached via scientific efforts and endeavours. (Reverse) -0.31 (1.4) 0 (37%) 43 37 20 0.53 The primary purpose of scientific language is to confuse the average person. -0.27 (1.7) 1 (21%) 45 20 35 0.14 For any hope of solving the significant problems facing mankind we ought to put our faith in spiritual or supernatural means. -0.24 (1.7) 1 (20%) 45 19 36 0.73 The Biblical mortgage pro usa version of human origins (creation science) is basically correct. 0.17 (1.9) 0 (26%) 32 26 42 0.76 Physical disease can be cured by faith or mental powers alone. 0.46 (1.6) 1 (43%) 26 8 66 0.48 Never trust statistics because numbers can be twisted to support any line of argument. 1.2 (1.3) 1 (35%) 10 12 78 0.23 No mortgage pro usa te The mean score is expressed on a 7-point scale where -3 means �totally unbelievable� 0 means �no particular opinion� and +3 means �totally believable�. In the case of the 2 reverse items however -3 means �totally believable�. mortgage pro usa Factor analyses. Initial analysis suggested 10 factors were operating within the entire questionnaire although only 2 factors achieved eigen values greater than 2. Subsequent oblimin solutions revealed 2 strong factors emerged representing respectively the New Age items and the anti-scientific statements. In the case of the New Age items 7 of the 8 cleanly loaded onto the factor whereas item 5 (Razor blades can be made sharp�under pyramid shaped objects) loaded at only 0.13 (see Table 1). However the SPSS Reliability analysis procedure indicated that including this item did not markedly reduce scale internal reliability and so it was decided to sum all 8 items to obtain a total New Age score. The alpha coefficient for this scale was 0.78. Anti-scientific statements constituted another clear factor with 5 statements loading in strongly and another 3 loading in weakly (see Table 2). The alpha internal reliability coefficient was 0.6. This could have been enhanced slightly by eliminating one item (The primary purpose of scientific language is to try to confuse the average person) but it was decided not to discard this item since it (a) is highly consistent semantically with anti-scientific attitudes and (b) appears to represent the antithesis to one major strand of the realist science position. The 8 New Age items were tallied a mortgage pro usa nd divided by 8 to form a composite New Age score and the 8 anti-science items were tallied in a similar fashion. These two derived scores were found to correlate at 0.04 (ns). These tallies did not relate to student year level or faculty major. However a marked gender difference emerged in that the males were more negative towards New Age thinking than were females (Respective means of �0.96 and �0.28 F (1230) = 16.3 p <.001). This relationship is depicted in Figure 1 via boxpl mortgage pro usa ot procedures. Figure 1 Boxplots of male and female responses on New Age and Anti-science factors Note Boxplots depict inter-quartile ranges and median scores. Media Exposure questionnaire. Scores on the media exposure indices (TV and author knowledge) failed to predict responding on any of the items or derived tallies on the Belief Questionnaire. This was still the case even when we specifically identified the subgroup of individuals who appear mortgage pro usa to watch high levels of TV but had low book knowledge (the �couch potato index�). Need for Cognition. This indexes student disposition towards complex or reflective mental work. It was found that scores on the Need for Cognition Scale significantly correlated with students� author knowledge (r = 0.26. p <.01) but need for cognition failed to predict responses on