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Refinancing your second mortgage can help you save money by reducing your current high rates and capscredit until card paid .

You can also consolidate your mortgages for easier payments and better financing. Just be sure that you compare financing offers first to be sure you are getting the best deal.Lower Your Home Mortgage Interest RateThe prime advantage to refinancing your second mortgage is that you can lower rates. Second mortgages can be financed through an adjustable or fixed rate. Adjustable rates work best for those who plan to move or refinance credit card until paid in the future. Fixed rates are better suited to those who want security, especially if you plan to keep your mortgage for several years.You can also lower your rates through a variety of terms. With adjustable rate mortgages, changing your caps will affect your rates. So will lengthening the locked in rate period for an ARM. You may also have the option to pay points to lower rates.Shopping financing will help you compare offers. Looking at the APR will help you understand the total cost of the loan. But, if donít plan on keeping the mortgage for its entire life, then consider low fee with a low initial interest offerings.Opt For Better Mortgage Loan TermsBetter terms can also save you money by limiting your risk and speeding your payment period. Shopping for reasonable caps on adjustable rates will protect you from potentially large rate or payment hikes. You should also look at fees that are a part of closing, early payment, or payment delays.Opting for a shorter mortgage can also save you money on interest charges. Most lenders also offer better rates for shorter loans.Consolidate First and Second Mortgages for Easy PaymentsConsolidating your first and second mortgage can also benefit your budget. Combining mortgages will usually help you lower rates on both types of mortgages. You should still check out refinancing your home loans separately, as you may see a greater savings that way.Second mortgages are seen as a higher risk than having just one mortgage. Thatís why their rates are a couple of points higher than conventional loans.As w ith any money decision, no one solution will work for everyone. So make sure you compare loan quotes with your own current mortgage terms. Also, look at your long term housing plans to be sure you have enough time to recoup any closing costs involved. 2

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DID YOU KNOW?

The key elements of matrix marketing have always SEEMED like a great way to create a successful perpetual income. But whenever that blueprint has been transferred to real life, some unforeseen element causes it to fail. Why?

That's the question Thom Thompson of Our Power Forced Matrix (OPFM), asked himself. Before he began OPFM, he was an instructor in internet marketing and knew more about the dynamics of successful marketing than most gurus. He, like so many others, scratched his head at the theories, seaching for a clue to the matrix puzzle.

BACKGROUND

Matrix marketing is another term for Multi-Level Marketing (MLM), the pyramid-like concept of expotential growth that occurs when a company offers incentives to those who bring in new marketers. Marketer -A-, for instance, earns a percentage of the income for every other marketer that joins the sales team through him or his links. Those marketers become his "downline." They, in turn, bring in others and the downline grows, creating a "matrix".

To help the matrix grow, it is common for MLM's to include a FORCED aspect to this plan. That is, once a marketer bringS in so many other marketers (usually between 2-4), anyone else they bring in will automatically go UNDER one of THEIR downlines, thus FORCING the matrix to grow. This is done to even the playing field, so that stronger marketers can help their weaker counter-parts get started, as well as to ensure even expotential growth.

THE PROBLEM

The main difficulty with this concept has always been that only those on the top levels earn a sizeable income, while those at the bottom earn almost nothing. Compounding the problem is that, those at the bottom often NEED a good income in order to invest and have any chance of success at all. Without that investment, the matrix's growth often slows to a crawl, if it doesn't die out altogether. This is one of the factors that has caused dot-coms to perish in the past.

THE FLIP FIX

Established marketers have come to realize that this problrem directly impacts their own success. Despite having brought in, perhaps, 100 people, if the majority of those marketers don't succeed as well, their own efforts have been wasted.

Understanding this has even prompted some aggressive marketers to offer a "matrix flip" in which the upper level marketers willinglyGIVE UP their own position to the bottom levels, in order to support their efforts and, theoretically, ensure the continued growth of the matrix. This has had some success, though it usually falls short of the goal simply because, not having earned what they receive, those that benefit and were FLIPPED to the top, have no appreciation or understanding of what that position entails. To put it briefly: They don't understand what they've been given. It's like giving ruby earrings to a 5-year-old girl who proceeds to lose them in the sandbox.

And then there is the "it's too good to be true" factor, because many doubt the flip's reality, forever sniffing for a scam. Their own insecurity doesn't allow them to see the honest value of the successful marketer's investment in them -- much as they did initially. They also fail to understand that, like any new business, their unlooked for profits SHOULD be re-invested. Instead they take the money and run-- and often return to find their "pot of gold" has run out. They scratch their heads, never realizing it was their own actions that caused this to happen.

And the experienced marketers return to scratching THEIR heads over the blueprints. Until now.

NOW

In October, 2005, Thomas Thompson quietly unveiled a new concept in forced matrix marketing, one that adds several key elements that have never been attempted in the past. By doing so, he has begun a quiet revolution in one corner of the internet. One that, some believe, may even change the nature of affiliate marketing as we know it today. Already, in less than 3 moonths, his plan is spreading like wild-fire and has grown to include over 20,000 marketers. What has he done?

He's added two elements to the Forced Matrix concept:

1) THE TEAM CONCEPT: This, in and of itself, is nothing new. But coupled with the Forced matrix becomes a "force", if you will, to be reckoned with. Rather than the marketers being anchored to any one program or product, this group works as an INDEPENDENT TEAM and will continue to be so. Plus, the entire OPFM group is committed to working as a group through multiple programs. In fact, the matrix is designed with this committment.

Because of this, the group itself becomes an incredibly strong marketing force.

2) MULTI MEGA-FLIPS

Being independent, the group can work together and, as they move from one program to another, create their own "flips". By doing this, and requiring all members to commit to all programs, the OPFM virtually guarantees that EVERYONE will end up at the top of at least one program.

These two factors, more than any other, insure that the group WILL be self-perpetuating and profitable.

This explains the group's explosive growth. But the growth itself has added another bonus that even Thomas Thompson hadn't envisioned.

The team's size, alone, has attracted the attention of many internet companies who need a powerful marketing boost. This, then, becomes a third factor that further insures OPFM's perpetuity. In the classic "nothing succeeds like success" philosophy, companies are lining up, vying for position in future programs, even offering the group special incentives that only THESE marketers will enjoy.

WHERE WILL IT END?

Just as most internet companies evenutally developed MLMs once the concept took hold, copycat marketing groups will inevitably spring up to match the OPFM concept. But, being the first it is doubtful others will be able to match their impact. Still, with these copycats, it won't be long before a normal part of becoming an internet marketer includes being a part of one group or another.

And, too, since this concept is ideally suited to offering relatively quick success, it also promises to give the online marketing world a much needed infusion of new marketers who, because they can rely on their income, will realize the dream of working online.

In short, a quiet revolution has begun in the internet marketing world and Our Power Forced Matrix started it.-- mo.

Is an interest only home mortgage loan a good or bad idea for financing a home? These loans have become very popular and are one of the many different kinds of financing available for property.

Opinions vary as to whether an interest only home mortgage loan is a good idea for the average home owner, with valid points being made on both sides. If you are in the market for a home you need to consider all the finance options available to you, together with your ability to repay them.

Here are some interest only mortgage loan pro and cons to look at both sides of this kind of financing.

If you are employed full time, single and making a good salary then an interest only home mortgage loan may not be the best financing for you. That's because you could pay off your loan at a lower rate of interest and in less time with a different kind of loan program.

On the other hand, you could save a lot of money by only paying the interest. It is possible that if you invested this in a safe investment you would not only have enough to pay off the principle on the mortgage, but would also gain a little capital for yourself at the same time.

This of course is a gamble, because how many people will actually invest the savings? However, if you have no other financial responsibilities, it's one you might find attractive.

If you work in seasonal employment, like in the tourist industry, you may find that paying an interest only monthly mortgage payment allows you the freedom to pay a minimum amount when you are in "off season".

But during the time you are working, you can make accelerated payments off the principle in addition to the interest.

The risk of paying an interest only mortgage loan repayment is that the principle is not being repaid. Unless the price of homes in your area rises, you don't build up any equity in your home.

Paying the monthly mortgage payment on an interest only mortgage can become like paying rent. You don't have the safety net of being able to sell your home to raise cash if you are faced with some emergency in your life.

As a young professional just starting out on your own, this might not be an issue you need to consider. But if you are married and have a family, you should seriously consider the implications of not having the kind of mortgage that allows you to build a financial safety net.

Home equity gives you a form of financial security that can come in handy if you really need to use it. This should be a consideration when deciding which home loan to choose.

A lower monthly mortgage payment will always look attractive on paper, but consider all the implications carefully before taking the option of an interest only mortgage loan as a way of financing your home.

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