Financial Planners

Learn About Bank Of America Refinance Programs

By Sean A. Kelly

If you are looking to reduce your monthly mortgage payments, you can consider refinancing your home loan to a lower interest rate or from an adjustable-rate into a fixed rate loan by learning more about Bank of America refinance programs. Bank of America offers good refinancing programs to suit your needs. Furthermore, the bank also has good rates and excellent customer service. The bank takes good care of its returning clients so if you are searching for a mortgage or a refinancing scheme, you may do well to sign up with this bank.

So, how do you know if you qualify for refinancing? Well, you can refinance your mortgage if you have already built up at least 10% of the equity of your home. After all, refinancing means you are cashing out on the equity of your home. That’s why you need to have at least 10% of equity before you can refinance your mortgage. Also, most banks will look at your home equity before considering your application for refinancing. This is because the lender wants to use your home equity as collateral for the loan. You will also need to be current on your home loan payments and not defaulting in the payments.

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Next, you can learn what is Bank of America Refinance program and how many programs the bank offers. So, even if you do not have enough equity in your home and have been current on your mortgage payments for at least 12 months, you may still be eligible for refinancing under the bank’s Home Affordable Refinance program. This program is part of the federal government’s Making Home Affordable program and it was developed to help those who can’t qualify for a traditional refinance. The program will be able to help reduce the monthly mortgage payments for borrowers. However, you are only eligible under this program if your loan is owned by Fannie Mae (Federal National Mortgage Association) or Freddie Mac (Federal Home Loan Mortgage Corporation). Other than this, your first mortgage has to be 105% or less of your home value, your home is a single-family home unit and you have not been more than 30 days late on your monthly mortgage payments for at least 12 months.

To apply for the Home Affordable Refinance program, you can call the bank and inform it of your current financial information so that it could check on your eligibility for it. The bank may also appraise your home, pull up a credit report to verify your financial situation and then it will notify you of your eligibility within 75 days of your initial call. It will take the bank another 75 days to evaluate your application and once it makes a decision, it will send you a letter. If you have been approved, you will get a call from the bank to schedule the closing of the loan. The closing process is similar to what you experience when you apply for the first mortgage when you purchased your home. You will need to sign the closing documents and you will also be required to pay the closing costs, unless it can be financed into the loan amount.

There are also other Bank of America lender refinance programs such as interest-only refinance loans, jumbo loans, combo loans and other specialized loan programs to suit your specific financial needs and situation. With so many specialized programs including fixed-rate and adjustable rate refinancing schemes available at the bank, it is really worth your while to check it out in your search for a mortgage refinance program.

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SBC teams with Scientific-Atlanta for cable TV rollout in 13 US states

Saturday, April 2, 2005

Regional U.S. telephone giant SBC Communications is one step closer to offering cable television to the 18 million households in its 13 state coverage area. The company announced a $195 million contract with Scientific-Atlanta Thursday to provide a video operations center and regional hubs for the new service. Under the brand name, U-verse, the SBC’s television rollout is set to launch in 2006 after field trials begin later this year.

The company is seeking the so-called “triple play,” where a telecommunications company offers voice, data and video in one bundled package. Local telephone companies like SBC have been losing business to cable TV companies, which have added telephone and Internet services in recent years.

In a slew of recent deals, SBC is looking to stop that trend. Within the past six months it has signed alliances with various technology firms to build out a fiber network to the home strategy. For instance, SBC has a $1.7 billion deal with Alcatel to build out its fiber optic network and a 10-year, $400 million, pact with Microsoft to license its IPTV technology to allow multi-channel television to stream over its Internet backbone.

In most of the U.S. only cable TV companies like Comcast have been able to offer the “triple play” of voice, video and data services. But traditional phone companies like SBC and Verizon have been upgrading their copper wire telephone networks to fiber optic. SBC says it plans to spend billions of dollars to overhaul its telecommunications network, saying the aging and brittle copper wires which were originally laid in the early 1900s do not have enough bandwidth to allow television capability.

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Category:Health

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Ukraine: media riddles around the phosphorous cloud

Saturday, July 21, 2007

The available information about the phosphorous cloud following the railway accident in the Ukraine last Monday is becoming more and more cryptic.

The political involvement of most media and other factors are causing contradictions among official sources that are making press work extremely hard. Moreover, no one is permitted to enter the accident location. The site of the accident was closed to visitors following the injury of three TV journalists who got too close.

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Business Energy Advice

Find A Consolidation Of Debt Loan: Personal Unsecured Loans With Bad Credit 5 Steps

By Everett Maclachlan

When you have too much debt, it almost feels like you are carrying around 30 or 40 extra pounds on your body. The extra financial weight is always there lurking, even when you are not trying to take out a loan or apply for a low-interest rate credit card. However, when you do need to borrow money or qualify for credit, suddenly the weight of your situation becomes all-too-clear.

There are many types of debt, including mortgage debt, auto loans, student loans, department store cards and of course credit card debt. In terms of their effect on your FICO (credit) score, credit card debt is by far the worst in the eyes of creditors.

It is not at all uncommon these days for people to have $10,000, $20,000, $30,000 or more in credit card debt. Much of this is high-interest debt, which makes it particularly hard to pay down. Making only the monthly minimum payments is not enough – doing only that would mean most people would never get out of debt during their lifetimes. The more you try to pay it down, the more the debt seems to add up.

One way out is a consolidation-of-debt loan. This type of loan works by your taking out a single, low-interest loan that you use to pay down the credit card debt. The challenge is that, if you have a bad credit score, it can be hard to take out a personal unsecured loan.

If you need a consolidation-of-debt loan, personal unsecured loans may be the way to go. Here are 5 steps to getting funded:

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1. Get a clear picture of your financial standing:

If you really want to get out of debt once and for all, you will need to take clear stock of your financial standing. This means really facing the facts about how much debt you have and at what interest rate. Rather than just throwing more money at your debt with a new loan, you will want to take a calculated approach to getting yourself out of debt.

2. Know the landscape of your credit report:

Next, before you start applying for loans, be sure to run your credit report with at least 2-3 of the top credit bureaus. Note the reasons for your bad credit score. And, be sure to report any errors on your report so that you can get them removed.

3. Put together a plan for repayment of your personal unsecured loan:

Next, you will want to put together a plan. Once you take out this new loan, how will you repay it? After all, the goal is to get yourself out of debt, not stay in it forever.

4. Build a lender list:

Now, it is time to find your lender. Make sure to do searches for “bad debt personal unsecured loan lender.” You will want a list of at least 4 or 5 lenders before you begin applying to any of them.

5. Apply using strong negotiation tactics:

There are two ways to apply for a personal loan: passively or proactively. Don’t just be passive, filling out the application and doing the minimum to get approved. Instead, be proactive. Be ready to address any concerns the lender may have about your credit report. Be prepared to show the lender that you are credit-worthy; show your employment history, residential history, and any other factors that can help your case.

Take these 5 steps to getting approved for an unsecured personal consolidation loan.

About the Author: Get a fail-safe how-to guide on securing a personal loan today at:

Miracle Bad Credit Loan Source

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Canadian mouse study shows hormone associated with pregnancy may reverse MS

Friday, February 23, 2007

Researchers with the University of Calgary in Canada have found that prolactin, a hormone produced during pregnancy, may reverse the progression of multiple sclerosis (MS), according to a paper published this week in The Journal of Neuroscience.

The study, led by Drs. Samuel Weiss and V. Wee Yong of the Hotchkiss Brain Institute, compared virgin and pregnant mice with MS-like lesions introduced by lysolecithin, a chemical which destroys the myelin sheaths around neurons. They found the pregnant mice developed smaller lesions and fewer damaged neurons, and showed signs of repaired neurons. They also found the pregnant mice had higher levels of cells called oligodendrocytes, which create myelin and are able to repair some damaged neurons through remyelination. Because prolactin regulates the levels of precursors of oligodendrocytes, the scientists hypothesized that prolactin levels were responsible for the differences in damage. They also tested virgin mice given additional prolactin, and found results similar to pregnant mice.File:Monthly multiple sclerosis MRI.gif

Previous studies have shown that other hormones could reduce myelin damage, but this is the first study to show a mechanism to reverse myelin damage, and establish an empirical connection between that mechanism and pregnancy. Dr. Weiss says, “It is thought that during pregnancy, women’s immune systems no longer destroyed the myelin. However, no previous study has tested whether pregnancy actually results in the production of new myelin, which may lead to improvement of symptoms. “We’re excited about this result because it suggests to us that prolactin has the potential to be used to enhance the production of new myelin.”

Dr. William McIlroy, national medical advisor for the Multiple Sclerosis Society of Canada, explains the significance of this study: “The results of this study should be well received by people living with MS today. It represents a new insight of how we might be able to reverse some of the effects of the disease and improve the quality of life for those who live under its influence.”File:Prolactin.png

Dr. Luanne Metz, director of the Calgary MS Clinic in the Department of Clinical Neurosciences, University of Calgary and Calgary Health Region, adds, “This discovery has the potential to take MS therapy a step further than current treatments that stabilize the disease in its early stages. By promoting repair, which is the goal of prolactin therapy, we have hope of actually improving symptoms in people with MS.”

Further animal studies need to be done to examine the possibility of side effects, such as lactation in men and non-pregnant women, as well as increased inflammation which could worsen the MS. Researchers believe human trials may begin within a few years.

Funding and support were provided by the Canadian Institutes of Health Research and the Multiple Sclerosis Society of Canada, the Alberta Heritage Foundation for Medical Research and the Stem Cell Network.

MS is an autoimmune disease of the central nervous system where the body attacks the fatty myelin which helps nerves carry electrical signals, causing muscle weakness and spasming which may lead to disability. MS affects approximately one of every 1000 people in North America, northern Europe and Australasia.

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Ontario Votes 2007: Interview with Communist Party candidate Johan Boyden, Toronto Centre

Friday, October 5, 2007

Johan Boyden is running for the Communist Party in the Ontario provincial election, in the Toronto Centre riding. Wikinews interviewed him regarding his values, his experience, and his campaign.

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Betting

How Can I Promote My Business Through Facebook?

Facebook is one of the most popular social networking platforms available on the web. Millions of people use this amazing site to get in touch with their closed ones. They can easily send or receive messages, attachments and much more to their friends, families, and colleagues. It gives many amazing features to its users. Facebook advertising allows businesses, whether its small scale or large scale business to do their promotions through custom ads or content targeting a specific audience, with expenses varying depends on the reach and engagement the ad receives. Facebook ads can display to your target audience in their News Feed or right column on Facebook.

  • You can create a business page on Facebook for the promotion of your business.

While creating a Facebook Page for your business, you need to choose an appropriate category that specifies the nature of your business and will make it easy for people find your Page. The category name is shown on your Page, so it’s one of the first things a user view when they visit your page on Facebook.

  • Visit the Facebook homepage and select option to create a page.
  • Then select a Page category
  • Click to begin and follow the instructions appears on the screen.
  • You need to fill out the full detail of your business in your page information
  • Put a relevant Facebook profile and cover photo
  • You need to create goals for your Facebook ads

When making a planning for your Facebook Ads, ensure that your goals are specific, measurable, relevant, and time-bound. Creating best goals for your Facebook Ads will make it easy for you to achieve an excellent return on investment.

  • You can also easily customise your target audience

This step is very important to run successful Facebook ads. You can target an audience based on age, location, gender, behaviour, interests, and language.

You can customise more by configuring the custom audiences to reach people who already knowledge about your business, or you can also remove them from your ad’s target audience so you can get new people on Facebook. These custom audiences can be built through a website traffic, customer list or app activity.

Targeting the correct audience will ensure that you get the most out of your Facebook advertising dollars. For more information, you can make a connection with experts through autonomous FacebookTechnicalSupportNumber available on the web.

Toll-free number:+1-844-773-9313 (USA, CANADA)+44-800-051-3717 (UK)+61-180-082-5192 (AUS)

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Australian Parliament hears reply to Budget

Thursday, May 11, 2006

The Australian House of Representatives heard the traditional right-of-reply to the Budget released May 9, from the Australian Labor Party, led by Kim Beazley (Labor, Brand), plus Budget replies from minor parties in the Australian Senate.

While the Budget is politically popular, having as one of its main features significant tax reform, Beazley focused on the omissions in the Budget, such as the failure to address a skills shortage.

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Minnesota to require 25% renewable energy production

Saturday, February 24, 2007

This article features in a News Brief from Audio Wikinews:

Governor Tim Pawlenty of Minnesota signed a bill into law on Thursday that requires the state to generate a significant amount of its energy needs from renewable sources.

The amount of power generated by wind turbines in the state stands now at 895 megawatts. An additional 5,000 megawatts of energy from renewable sources will need to be added to Minnesota’s electricity resources, which is roughly eight times more than the amount that currently comes from renewables.

The bill signed by the Governor requires energy companies to provide 25 percent of power from renewable sources by 2025.

Xcel Energy, which supplies approximately half of the electricity in the state, is required to provide 30 percent from renewable sources by 2020.

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