Do you think interest rates are going to drop?

I am thinking to refinance a 30 yrs fixed mortgage. I am paying 5.95% right now. My credit is excellent and I am in NJ.

Do you think rates are likely to drop in the near future? .

I know that the fed interest cuts are only designed to help the banks (which doesn%26#039;t make any sense!). So I guess rates will stay high for a while and the credit crunch will worsen?

Do you think interest rates are going to drop?horses for loan

Patience grasshopper. My bet is that banks are holding rates up to make a larger spread to offset losses. I think the government will force rates down to help jumpstart a positive real estate market.

Do you think interest rates are going to drop? loan

You should not refinance unless you will save more than 1% interest. Otherwise you end up paying more in fees. 5.95% is good I would not do it.|||Watch the 10 year T-Bill. This is what mortgage companies use to determine rates.

No, I believe rates have hit bottom and if you have been paying attention to the news lately you know the US is in a financial mess. The fed is running out of leavers to pull and oil/gas keep going higher while the dollar continues to dive.

Money is incredibly cheap but very difficult to get right now. We are in deep deep trouble financially.

What are the pros and cons of buying a repo vehicle?

Looking for a newer car at a cheap rate. Was told that going to government auctions or banks for repossessed vehicles is the best way to go. Is this risky and would i be getting a quality / reliable vehicle?

What are the pros and cons of buying a repo vehicle?rate my

All kinds of cars can be found at repo auctions and bank repo sales. People often buy expensive new cars and find out they can%26#039;t afford them. The bank picks the cars up and sells them. These cars can be in almost-new perfect condition.

On the other hand, some of the cars are junkers that the owners decided they didn%26#039;t want to fix and didn%26#039;t want to keep paying for.

Finding repo auctions is not easy. They are not well announced. Here%26#039;s an article with more details:

http://www.leaseguide.com/Articles/repoa...

.

What are the pros and cons of buying a repo vehicle?

loan

It%26#039;s just like buying anything used. A repo from a bank you can most likely test drive. If you aren%26#039;t car smart, take it to a good reputable mechanic and get it checked out. Get a car fax report on it.

At a government auction they normally do not allow test drives. They simply start the vehicle to let you see that it runs. This can end up real ugly.|||Pros: You can usually get them cheap.

Cons: Think about the people that have cars repo%26#039;d. Many times they are slobs and treat their cars terrible. They don%26#039;t keep up on maintenance and couldn%26#039;t care less about scratches or dents. Be ready for some heavy reconditioning projects.

If the price is right, go for it. Just be on the lookout for a repo that came from someone that just fell victim to hard times and had no choice but to let the car go back. They are easy to spot. They are typically clean and well taken care of. They will stand out among the pigged out vehicles.

Religious folk judge athiest?

why is it that some religious folk think athiests are %26quot;bad people%26quot;. what have we done to make it seem that we are %26quot;bad%26quot;?? just because we dont believe in any type of supernatural being? if athiests are so horrible then how come japan has the lowest crime rate[least religious country]?? how come im not robbing banks, shooting people with guns, thowing rocks at homless, etc. i dont understand why religious people think we are so horrible and judge us for what we believe in. i thought religion was suppose to %26quot;love%26quot; and not judge others...but it seems that is the total opposite im experiencing with religious folk.... many religious people think people who dont agree with them are burning in hell....but what about that is fair, loving or non-judgmental? just because i dont BELIEVE??? some one please explain this to me. anyone else feel the same??

Religious folk judge athiest?payment calculator

That goes both ways. As far as I can tell, on Yahoo, Atheism is a religion. I have seem more Atheist posts condemning religion (mainly Christianity ) preaching about how %26quot; enlightened %26quot; they are because they have science.

I don%26#039;t care what you believe. You can believe that a taco is god for all I care. But don%26#039;t play the persecuted atheist card here. It%26#039;s totally unfounded.

Religious folk judge athiest?

loan

because they think if you are not their religion, then there must be something wrong with you|||they view you as a bad person because you question their faith in something that sounds ridiculous to begin with|||I think they%26#039;ve been taught to adhere to a dogma and they fear the unknown.|||That%26#039;s because adheist beleive the end is tomorrow. And, how can there be life into life of a person without a Creator? I heard that from a priest.|||All those who are so judgemental aren%26#039;t really christians. They are fundies. It doesn%26#039;t matter what religion they follow, they are just filled with hate. True christians wouldn%26#039;t have an issue with atheists. The fundies just want to force their views onto everyone else.|||I think that it is very easy to become defensive when what you believe in is something that no one can see, feel, smell, touch, etc

I think it is this insecurity that leads religious people to lash out at atheists...|||Yes, atheists seem to be a particular affront to believers. I would have thought that belief in a competing religion would be more threatening, but no belief in a god seems to be the worst thing on the heirarchy.|||What makes you think atheist are not bad? Christianity, Buddhism, Hinduism don%26#039;t teach People to be %26quot;bad%26quot;. As long as you don%26#039;t do wrong in the name of God, its what it is - human wrong behavior.|||I am a Christian, (Catholic) and I have no issue with anyone who believes in Atheism. I grew up in a part of the country that promotes the %26quot;bible thumping sermons of hell, fire, and brimstone%26quot; and even attended the world%26#039;s largest Baptist university. What I learned through my experience was to be tolerant of others, and perhaps you can learn something from thier life experiences. Not all of us are %26quot;judgemental%26quot; and believe that if you don%26#039;t share thier same beliefs that your going to hell. Just my 2 cents :)|||many Christians of all denominations think it is their %26quot;duty%26quot; to convert people to their beliefs ... personally i am always happy to talk with someone with regards to Jesus or God or religion in general if they wish to, but as far as trying to persuade them to %26quot;come to Christ%26quot; ... i dont do that... nor is it my belief that if you choose not to, you are condemned to some fiery hell ... no does it make you a bad person... Jesus did not go knocking door to door begging ppl to believe ..and i sincerely doubt my Father sits on His throne worrying whether we believe or not... if you are a Christian and you really do believe ...there are only really 2 commandments ... love Him and each other... there are a lot of well meaning Christians out there that do more harm than good because they go by what they are told rather than seek for themselves... and we must be careful because we are told that we will be judged the way we judge others... sorry for your experiences|||I am a Christian, and I promise you that I don%26#039;t hate you at all. I%26#039;m just sorry that you have let satan harden your heart to God. And I%26#039;m very sorry that when you die, you will spend eternity in Hell. Please talk to someone knowledgeable that can help you figure it all out. It%26#039;s never too late....unless Jesus returns or until your death.

Transfering money to foreign account?

We are buying a property abroad. I need to make a first payment of x amount of euros to a foreign bank account..... How do I go about this and best rates etc etc

Transfering money to foreign account?honda finance

I%26#039;ve used HSBC before and they were not good.

You have two choices.

Buy your Euro and TT them to your foreign bank account, or send sterling and let them convert it at the far end.

I currently use a company called HIFX (www.hifx.co.uk). I send them the sterling, and they then send it on in Euro. They are always better than the HSBC rate, and as they have a real time display on their site you can get an indication of the prevailing rate. (You dont get that rate, but they will tell you what margin to work on)

Transfering money to foreign account?

loan

good choice, they will transfer to any other HSBC account in the world for free..|||You can use an electronic transfer such as Lloyd%26#039;s %26#039;money mover%26#039;. The transfer costs 锟?0 for up to 锟?0,000 and the money is exchanged at spot rate which makes it very economical.|||Firstly, do you have your own bank account to transfer to?

To make a transfer you will need to obtain certain details, IBAN, BIC account number, account holders name and sometimes the banks address and telephone number. Your own bank will set the rate for charging the transfer though, and they will ask you if you wish to make the transfer in 锟?#039;s or 鈧?#039;s so check out both exchange rates, its is usually better to transfer in 锟?#039;s and the receiving bank will complete the conversion. You will also need to be aware of the money laundering rules for the country you are transferring to, the property agent or your lawyer should be able to advise you in this one

When is the right time to transfer money in a US account(dollars) to Indian(Rupees),since $ price is

I am an Indian National who worked in the US for some time. II have to transfer amount from my Bank Of America account to an Indian one. The dollar rates are going down day by day now. is it worth waiting for some more time for Dollar to come up?

When is the right time to transfer money in a US account(dollars) to Indian(Rupees),since $ price is down now?credit card debt

yes. once the oil prices go up the dollar will regain its value.

expected in another month

Wrestlemania Match Card(put ur opinion on who you want to win) please star?

John Cena vs Triple H-single no DQ

Batista vs HBK-table match

Jeff Hardy vs Chris Jericho-TLC

Kane vs Big Show vs Carlito vs CM Punk vs Mr.Kennedy vs RVD-Money in the Bank

Big V vs The Boogeyman-Extreme rules

Undertaker vs Rated RKO-2nd ever handicap casket match

Rey Mysterio vs Matt Hardy-ladder match

Dudleyz vs Paul Burchill %26amp; Brian Kendrick-tornado tag

Christian from TNA vs Chris Masters

RAW announcers vs SmackDown Announcers vs ECW announcers-3 team heck in a cell

Wrestlemania Match Card(put ur opinion on who you want to win) please star?credit bureau

John Cena vs Triple H-single no DQ=HHH

Batista vs HBK-table match=HBK

Jeff Hardy vs Chris Jericho-TLC=JH

Kane vs Big Show vs Carlito vs CM Punk vs Mr.Kennedy vs RVD-Money in the Bank=Kane

Big V vs The Boogeyman-Extreme rules=Big Daddy V

Undertaker vs Rated RKO-2nd ever handicap casket match=Undertaker

Rey Mysterio vs Matt Hardy-ladder match=MH

Dudleyz vs Paul Burchill %26amp; Brian Kendrick-tornado tag=PAul Burchill

Christian from TNA vs Chris Masters=Christan

RAW announcers vs SmackDown Announcers vs ECW announcers-3 team heck in a cell=Raw or ECW

Wrestlemania Match Card(put ur opinion on who you want to win) please star?

loan

HBK

Dont know, good match

Kane

Could care less

Undertaker

Rey Mysterio

Dudleyz

Christian

Raw Announcers|||Triple H

HBK

Jeff Hardy

RVD

Big V

Undertaker

Matt Hardy

Dudleyz

Chris Masters

RAW Announcers!!!

haha!|||HHH

HBK

Jeff Hardy

Cm Punk

big v

rated rko

rey mysterio

brian kendrick

christian

RAW|||Triple H

Jeff Hardy

Big Show (He could just reach up with his arm :D)

Big Daddy V

Rated RKO

Matt Hardy

Dudleyz

Christian

ECW Announcer ( Because Tazz can actually wrestle)|||John Cena vs Triple H-single no DQ: triple h 7/10

Batista vs HBK-table match: hbk 7/10

Jeff Hardy vs Chris Jericho-TLC: jericho 8/10

Kane vs Big Show vs Carlito vs CM Punk vs Mr.Kennedy vs RVD-Money in the Bank: cm punk 9/10

Big V vs The Boogeyman-Extreme rules: big v 3/10

Undertaker vs Rated RKO-2nd ever handicap casket match: undertaker 7/10

Rey Mysterio vs Matt Hardy-ladder match: matt hardy 7/10

Dudleyz vs Paul Burchill %26amp; Brian Kendrick-tornado tag: dudleyz: 6/10

Christian from TNA vs Chris Masters: christian cage 6/10

RAW announcers vs SmackDown Announcers vs ECW announcers-3 team heck in a cell: raw announcers 4/10

not a great card in my opinion.|||triple hhh

hbk

y2j

rvd

big v

i think undertaker deserves a partner at least but i would say rated rko would win

mysterio

dont care

christian

raw

How can I explain...?

How can I explain to someone who does not understand banking terminology...What is the difference between the Annual Percentage Rate and the Annual Percentage Yield?

How can I explain...?child tax credit

annual percentage rate: the annual rate of interest; the total interest to be paid in a year divided by the balance due.

annual percentage yield: The effective annual rate of return taking into account the effect of compounding interest.

How can I explain...?

loan

show him or her the math; step by step