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If you want a lower rate -- refinance it

Posted By: sm on 2008-10-30
In Reply to: DH and I should get our mortgage fixed.... - onlyinamerica

If you're credit score is that good, you should have no problem securing a lower rate.  By the sounds of things, you've got it pretty well paid down.  Depending on the exact amount you owe, you could refinance it into a home equity loan, rather than a new mortgage, and end up only paying about $100 in closing costs.  Check with your current lender. 


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Because he keeps dropping it lower and lower
And soon my $30 or $40K is going to be considered rich, hence my taxes will be increased!!!!!!
I can't refinance it as a rental. It has to be owner..
occupied to refinance a mobile home.
I can't refinance it as a rental. It has to be owner..
occupied to refinance a mobile home. And, since my husband is in the Navy and no longer stationed in Washington--I can't refinance it unless I fall behind on payments and take the government's out.
At the rate things are going.......... sm
I'm not sure if there is going to be any wealth to redistribute in this country before long.
Correct Marmann, and as MTs this will help our pay rate and jobs sm
If companies are rewarded for staying in the U.S., bye bye philipines and barbados and india for MT cheapo transcription. Hello USA hard working MTs finally making DECENT MONEY.
AND.... getting tax breaks.
Did everyone see the post below about the UK's gun ban and crime rate rising? sm

http://news.bbc.co.uk/1/hi/uk/1440764.stm


Use of gun-related crime increased 40% during the gun ban and smuggling of guns was rampant, along with people turning every possible object into a gun.  Not the answer obviously.


I get the single rate deducted from my pays (nm)
.
I'd be happy if they just reduced everybody's mortgage rate to a fixed 3%. sm
Then everyone is still responsible for the debt they took on, yet they're still getting a break. It would free up a couple hundred bucks a month for me, which I could then use elsewhere to stimulate the economy. Fewer foreclosures, banks are still getting their money.
Stem cell research has no proven cure rate.
I remember years and years ago when animal experimentation was being protested.  I saw this fellow who was a soap opera actor.  He was crying and crying because they wanted to stop torturing animals to find cures.  His son had diabetes and he said they were THIS CLOSE to finding a cure.  that had to be at least 25 years ago.  Millions of animals have died and there is no cure for diabetes.  So when does it end? 
Abortion Rate Continues to Drop, at Lowest Level Since 1976

Abortion: Just the Data
With High-Court Debate Brewing, New Report Shows Procedure's Numbers Down


By Naseem Sowti
Washington Post Staff Writer
Tuesday, July 19, 2005; HE01


A new analysis of the most recent abortion data shows that the number of U.S. women having the procedure is continuing its decade-long drop and stands at its lowest level since 1976.


In the year 2002, about 1.29 million women in the U.S. had abortions. In 1990, that number was 1.61 million.


The data, collected by the Alan Guttmacher Institute, a nonprofit group that collects information from abortion providers and public sources, show that for every 1,000 pregnancies that did not result in miscarriage in 2002, there were 242 abortions. This figure was 245 in 2000 and 280 in 1990. The institute's mission is to protect reproductive choice, but its reports are considered accurate across the political spectrum.


With President Bush preparing to nominate at least one new Supreme Court justice whose presence on the high court could produce new rulings on abortion, the data are already being interpreted differently by abortion rights advocates and antiabortion activists. But scientists say it is difficult to determine why the number of abortions has been dropping.


"There are so many things feeding into" the decline, said Lawrence Finer, associate director of domestic research at Guttmacher. Possible factors, he said, include changes in contraceptive technologies and use, changing ideas about family size and abortion, and reduced access to abortion services. Pregnancy clinics and abstinence programs may also have contributed to the declines, he said.


Who Gets Abortions?


Women with unintended pregnancies are those most likely to get abortions. According to the Guttmacher report, 47 percent of unintended pregnancies are aborted. Teenagers, unmarried women, black and Hispanic women, and those with low incomes are more likely than the population as a whole to have unintended pregnancies.


The report shows that non-Hispanic white women get about 40 percent of all U.S. abortions, black women 32 percent and Hispanic women, who can be of any race, 20 percent. Women of other races account for the other 8 percent. Black and Hispanic women have higher rates of abortion than non-Hispanic whites, the report states.


Other facts about U.S. abortions from the Guttmacher report:


· Six in 10 women who had abortions in 2002 were mothers. "Despite the common belief, women who have abortions and those who have children are not two separate groups," said Finer.


· A quarter of abortions occur among unmarried women who live with a male partner, putting this group at elevated risk of unintended pregnancy and abortion.


· The majority -- 56 percent -- of women who terminate their pregnancies are in their twenties. Teenagers between 15 and 19 make up 19 percent of abortions, although this percentage has dropped substantially in recent years.


This drop may be due to use of longer-acting hormonal contraceptives and lower rates of sexual activity, said Joyce Abma, a social scientist at the National Center for Health Statistics at the Centers for Disease Control and Prevention (CDC).


She added that there has been a decline in sexual activity reported by teenage males, which could be a contributing factor to lower pregnancy and abortion rates among teens.


· The incidence of abortion spans the economic spectrum, but low-income women are overrepresented among those having the procedure. Sixty percent of women who had abortions in 2000 had incomes of less than twice the poverty level --below $28,000 per year for a family of three, for example. This is in part because "low-income women have lower access to family planning services" such as contraception and counseling provided by health departments, independent clinics or Planned Parenthood, Finer said.


· Almost 90 percent of abortions are performed in the first trimester -- during the first 12 weeks after the first day of the woman's last menstrual period -- with most performed before nine weeks. Because of newer surgical and medical techniques, the proportion of abortions performed at six weeks or earlier has almost doubled in the past decade.


Less than 1 percent of abortions are done after 24 weeks.


· The number of abortion providers declined by 11 percent between 1996 and 2000, to 1,800. In 2000, one-third of women aged 15 to 44 lived in a county that lacked an abortion provider.


About the Data


There are two main sources of national data on abortion: the Guttmacher Institute and the CDC. While both are regarded as dependable by major groups on both sides of the abortion issue, their numbers are different, and less precise than some other health statistics.


Not all states require reporting of abortions. The District, Maryland, New Hampshire and New Jersey do not mandate abortion reporting. California does not collect abortion data at all. Alaska and New Hampshire have not released statistics since 1998. This affects CDC's data, which is assembled every year from reports received from state health departments.


Due to differing reporting requirements and data-gathering procedures, abortion information for the District, Maryland and Virginia does not permit meaningful comparisons.


Guttmacher produces its reports by contacting abortion providers nationwide; its reports are considered more comprehensive than the CDC's. But the institute publishes the data only every four or five years. Neither group has published data for years beyond 2002.


Despite the inconsistencies of methods, the trends reported by CDC and Guttmacher correspond closely to each other. ·


Resources


For the complete Guttmacher report, visit http://www.agi-usa.org/sections/abortion.html , click on "An Overview of Abortions in the U.S."


For the CDC's complete report, visit http://www.cdc.gov/mmwr/indss_2004.html , and click on "Abortion Surveillance -- United States 2001.


Or visit http://www.cdc.gov/nchs/data/nvsr/nvsr52/nvsr52_23.pdf to download "Estimated Pregnancy Rates for the United States -- 1990-2000: An Update").


© 2005 The Washington Post Company


Just look at statistics on infant mortality rate for mothers without prenatal care - nm
z
Of course it has to go lower. How else...
can we get it all the way to the bottom where it can start up again?
Mississippi, A Hotbed of Abstinence Education, Now Boasts Highest Teen Pregnancy Rate
The Centers for Disease Control released a new report today that found that Mississippi “now has the nation’s highest teen pregnancy rate, displacing Texas and New Mexico for that lamentable title.” The report found that in 2006, the Mississippi teen pregnancy rate was over 60 percent higher than the national average and increased 13 percent since the year before.
While the new report does not explain why the state’s teen pregnancy rate is increasing, one reason may be the poor quality of its sex ed programs. As the Sexuality Information and Education Center explains, Mississippi focuses heavily on abstinence education and teachers are prohibited from demonstrating how to use contraceptives:
Mississippi schools are not required to teach sexuality education or sexually transmitted disease (STD)/HIV education. If schools choose to teach either or both forms of education, they must stress abstinence-until-marriage, including “the likely negative psychological and physical effects of not abstaining.” […]
If the school board authorizes the teaching of contraception, state law dictates that the failure rates and risks of each contraceptive method must be included and “in no case shall the instruction or program include any demonstration of how condoms or other contraceptives are applied.
A reporter for ABC News’s Jackson, MS affiliate explained, “The Mississippi Department of Human Services says abstinence is the only birth control that is 100 percent effective. And that’s the only message teens need to hear.” Unfortunately, numerous studies show that abstinence-only education is not effective. As one study found:
Teenagers who pledge to remain virgins until marriage are just as likely to have premarital sex as those who do not promise abstinence and are significantly less likely to use condoms and other forms of birth control when they do, according to a study released today.
Further, a review by the House Oversight Committee found that “80% of the abstinence-only curricula…contain false, misleading, or distorted information about reproductive health.”
Pregnant teens in Mississippi face few options. Access to facilities that provide abortions in that state is extremely limited. Indeed, because of an unusually effective anti-choice campaign in the legislature, only a single abortion clinic remains open in the state.

UpdateThe report also found that the teen pregnancy rate is rising fastest in Alaska, where Gov. Sarah Palin (R) is a strong proponent of abstinence-only sex ed.

Right! O says he will lower taxes, which is really
nm
Just when we think pubs can't stoop any lower...
nm
Yep, they actually have a lower approval rating than
nm
How low can she go? No lower with frozen market.
can they stay frozen?  Russian markets closed until Tuesday.  What does it mean with futures are "bottomed out?"  What happens when they do open?  Boy oh boy.  What's up with that?
Why should he lower himself to explain any such trash?

Brad Pitt and Lower 9th ward.
If he is so worried about the people of the 9th ward, why doesn't he build his house down among the 9th ward people and live down there with them instead of living in a million dollar or however much it costs house? Have you seen pics of their house?? Makes mine look like a tarpaper shack. And I live in Michigan. He should put his money where his mouth is, not on Nob Hill, but actually in the streets of the 9th ward. JMO.
oh, yeah? like the Dems in congress? with lower
nm
Instead of trying to move the lower income levels....
out of those levels by incentivizing them to work instead of stay there, he wants to move the upper income levels DOWN closer to them. Socialism. Makes absolutely NO sense. If he really cared about lower income levels, he would be trying to figure out a way to help them OUT of it, not keep them IN it and bring others DOWN. That is his idea of "economic parity." Misguided, to say the least.
I see the new middle class has dropped from 250,000 to 120,000 and could be lower.

Very, very contradicting to me.  Obama changing a lot of what he said lately and it gets worse.  He wants us to vote early and take off from work Nov. 4th to help him win.  Fox news also reports Obama and his campaign lays out plans to kill expectations after win because of concerns that many supporters are now harboring unrealistic hopes of what can be achieved.  What the heck?  Now he says, "it will be hard to achieve goals and will take time."  He says one thing and then says another.  I want to know where these unauthorized credit cards came from for his campaign.  I want to see his birth certificate that he cannot cough up and there is a petition out and he is under investigation if he was truly born in the good ole USA.  Call your State Department and they will tell you there is an investigation and they trying to get this resolved before Nov. 4th.  So much uncertainty.   Hope I do not offend anyone, but just like a bumper sticker I read


I'll keep my God, my freedom, my guns, and my money, you can keep THE CHANGE.  VOTE FOR MCCAIN/PALIN.


Aren't we NOWat the bottom? How much lower can it get?
Therefore we need CHANGE.

'You don't seem to understand.' Favorite sentence of McCain addressing Obama.
Well, maybe the dem congress didn't lower my earnings...sm
But that is the timeline for my taxes that increased, and my take home being lower. I have made less in the last two years. First six years of Bush
administration were great.


And the Clinton years were crap....I still was inhouse and taxes were skyhigh...yuck.


Anyway...whatever the cause, if you're talking Bush years, Clinton years, and when Democrats are in control of Congress.....things for me monetarily have always been way worse under Democrats.

Just the facts for my case.

Smaller government, lower taxes...
xx
if you want to preach, go to church, I know better than you, see my lower posts...nm
nm
Buffett, 3rd richest man in world, pays lower

Even he see the unfairness here.  Some conservatives are fond of saying that Democrats want to tax the wealthy unfairly, but what I would like to see is the wealthy taxed equally.  "Mr. Buffett said that he was taxed at 17.7 per cent on the $46 million he made last year, without trying to avoid paying higher taxes, while his secretary, who earned $60,000, was taxed at 30 per cent."  Here is the entire article.  It's a great read.  Trust me.


June 28, 2007

 


Buffett blasts system that lets him pay less tax than secretary


















Warren Buffett, the third-richest man in the world, has criticised the US tax system for allowing him to pay a lower rate than his secretary and his cleaner.


Speaking at a $4,600-a-seat fundraiser in New York for Senator Hillary Clinton, Mr Buffett, who is worth an estimated $52 billion (£26 billion), said: “The 400 of us [here] pay a lower part of our income in taxes than our receptionists do, or our cleaning ladies, for that matter. If you’re in the luckiest 1 per cent of humanity, you owe it to the rest of humanity to think about the other 99 per cent.”


Mr Buffett said that he was taxed at 17.7 per cent on the $46 million he made last year, without trying to avoid paying higher taxes, while his secretary, who earned $60,000, was taxed at 30 per cent. Mr Buffett told his audience, which included John Mack, the chairman of Morgan Stanley, and Alan Patricof, the founder of the US branch of Apax Partners, that US government policy had accentuated a disparity of wealth that hurt the economy by stifling opportunity and motivation.


The comments are among the most signficant yet in a debate raging on both sides of the Atlantic about growing income inequality and how the super-wealthy are taxed.




They echo those made this month by Nicholas Ferguson, one of the leading figures in Britain’s private equity industry, when he criticised tax rates that left its multimillionaire venture capitalists “paying less tax than a cleaning lady”.


Last week senior members of the US Senate proposed to increase the rate of tax that private equity and hedge fund staff pay on their share of the profits, known as carried interest, from the 15 per cent capital gains rate to about 35 per cent.


Lloyd Blankfein, the chief executive of Goldman Sachs, acknowledged in an interview yesterday that there were justified concerns about the huge profits generated by private equity firms and that he worried that income inequality was “poisoning democracy”. He also said that he would be voting for the Democrat candidate at the next election. Mr Blankfein is the highest-paid executive on Wall Street, earning $54 million last year.


Mr Buffett, who runs the investment group Berkshire Hathaway and is widely regarded as the world’s most successful investor, said that he was a Democrat because Republicans are more likely to think: “I’m making $80 million a year – God must have intended me to have a lower tax rate.”


Mr Buffett said that a Republican proposal to eliminate elements of inheritance tax, which raises about $30 billion a year from the assets of about 12,000 rich families, would broaden the disparity between rich and poor. He added that the Republicans would seek to recover lost revenue by increasing taxes for the less prosperous.


He said: “You could take that $30 billion and give $1,000 to 30 million poor families. Or should you favour the 12,000 estates and make 30 million families pay an extra $1,000?”


I'm glad you wrote bible with a lower case
Because there are a million bibles out there...bible simply means book. But the Holy Bible there is only one of, of which there are thousands of manuscripts, and of which authenticity was proved (again) by the manuscripts found in the Dead Sea Scrolls.

I've told you a million times that I do not make that call, Jesus Christ does. All authority has been given to Him. I'm just one of many messengers.

And since you have no idea who I am, don't confuse yourself with thinking I am in a little locked-in box. You have no idea the kind of life I have led, the things I have seen, and the things I have done. I spent six years trying as hard as I could to disprove Jesus and Christianity. To this day I still doubt many things, but doubting is good, it makes you search for the truth that much harder. I question points all the time, but i do so in sincerity, not facetiousness. Therefore God reveals the answers to me. However, He didn't do so until I honestly asked Him.




helping the lower class and middle class will NOT
Giving handouts to those that do not work certainly does nothing to help their situations; it only encourages it. Middle class are your working class, the support and backbone of this country. Obama's interference in their lives is just that, interference. The democrats have always felt they have the right to interfere in our lives by taxing us to death. What does that do to help us? It only makes us MORE dependent on the government......nothing about MORE government is helping us in any way.

I'm glad you think crime is JUST a biproduct of poverty, not race, which proves you obviously don't live in an area where that would prove you wrong. I live in an area where I know that every BLACK has the same opportunities as whites, the EXACT same education and FREE two college years....FREE, FREE, FREE.....all they have to do is finish high school....not all As or even any Bs, just finish high school. Now, a lot of young people take advantage of that but MANY do not. What do they do instead? Stand on the street corner, run around with their pants hanging down to the knees, steal for drugs, sell drugs to make money so they can buy expensive hubcaps for their souped up cars, buy their expensive shoes and ugly pants, and make MORE BABIES, which by the way, I SUPPORT with my taxes. No, I don't want to hear all that hogwash about their poverty. The media has made so much of that garbage, those that don't live in or near it, don't realize many blacks have the same opportunities; it's just that a lot of blacks, especially in my town, have grown up generation after generation living off the taxpayer and see no reason whatsoever to change their situation. They make more babies.....I'm forced to raise them so that generation can make more babies. Do I wish their situation would change? ABSOLUTELY! Do they have plenty of resources available in this town alone to change that? ABSOLUTELY! Do most of them take advantage of that? ABSOLUTELY NOT!!!! Yes, the majority of crimes in our town is committed by blacks but it AIN'T because of poverty; it's because THEY WANT TO COMMIT A CRIME!! We have poor whites as well and the majority of those do not feel they have the right to steal what belongs to others, kill someone over drugs or a stupid girl, or whatever else one wants to use as an excuse.

Obama will do nothing to help those that feel entitled and look to Obama as just a bigger free paycheck. You don't help anyone by giving them free handouts. If they don't want an educate, won't help themselves, and continue to feel ENTITLED to MY money, Obama certainly won't change that by encouraging laziness and lack of worth ethics.

Making the middle class dependent on the government is in no way helping them; if anything, Obama will be the end to the middle class as we know it today.