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Las Vegas Hilton SuperContestants apparently are feeling a Rocky Mountain High in Week 10 of the 2005 football season Hjalte Froholdt Patriots Jersey , even though the Denver Broncos will be playing in a city by the bay.

The record field of 505 players tabbed the Broncos minus a field goal over the Oakland Raiders as their best consensus bet by a 151-78 count. Top plays are 5-4-1, including a pair of best bets one weekend.

The No. 1 underdog play was Houston plus 17 12 over Indianapolis 59-40.

Pittsburgh, which is laying 8 to Cleveland, received a 44-11 nod in the Sunday night game Yodny Cajuste Patriots Jersey , while Philadelphia minus 2 12 was a 118-105 choice over Dallas on Monday night.

Closest call of Week 10 was St. Louis plus 6 12 over Seattle 111-104.

Hilton participants paid $1,500 per entry and select five NFL games weekly against the spread. They get one point for a win and one-half point for a push.

Entries are limited to one per person, but many players have two or more entries because spouses and friends also entered. Also, contest numbers often vary from those available later in the week.

Other consensus nods went to Kansas City plus 2 12 over Buffalo; Washington pick'em over Tampa Bay 132-86; New England plus 3 over Miami 141-73; San Francisco plus 13 over Chicago; N.Y. Giants plus 9 12 over Vikings 111-81; Detroit 72-41 over Arizona; Baltimore plus 6 12 over Jacksonville 78-60; Carolina minus 9 over the N.Y. Jets 105-65; and Packers plus 9 12 over Falcons 67-47.

Devils LLC currently leads the pack with 33 12 points and is two full games ahead of four players with 31 12 points.

The champion will earn $303 Damien Harris Patriots Jersey ,000 and 20 entrants will cash.

The season ends on New Year's Day.

Lynda Collins is a documented member of the Professional Handicappers League. Read all of her articles at >

>Mortgage Refinance: What?s Your Rate?

Posted by nick_niesen on October 29th, 2010


The almighty interest rate is a very important number, and quite possibly the most important consideration for individuals who are searching for a refinance loan. There are many qualifying factors that ultimately determine the interest rate that you will get for your particular circumstances and resulting mortgage. Some major qualifying factors are your credit score, percentage of equity interest you will utilize in your home Chase Winovich Patriots Jersey , loan term, and loan type. Most people are aware that the higher the credit score and the shorter the re-payment term, the lower the rate. Many people are not aware of how much rates can change depending upon how much available equity you are looking to refinance. For instance, suppose your home has an appraised value of $100 Joejuan Williams Patriots Jersey ,000.00 and you are looking for a loan of $80,000.00. Say that with all other qualifying factors considered, you are quoted a 7.5% interest rate. You then change your mind and want to finance $100,000.00 and utilize all of the equity in your home. You are now quoted a 10% interest rate and feel a slight migraine coming on. Furthermore N'Keal Harry Patriots Jersey , you will be required to pay for mortgage insurance if you utilize a conventional bank and finance more than 80% of your home?s appraised value. This can tack on an additional .5 to over 1% to the effective interest rate of your loan. Where?s the aspirin! I really hate to do this, but now pretend that you are self-employed and didn?t realize that lenders use your income after tax deductions to determine whether you qualify for a fully documented loan. Your accountant has done a great job with your deductions, so much in fact that you show a relative low bottom line income figure and do not qualify for a ?Full Doc? loan program. No problem. Your credit score is great, which qualifies you for a ?stated income? loan program at a cost. Just add another one percent or more to your interest rate and you will be well on your way to the closing table. You are now quoted an 11% rate Jarrett Stidham Patriots Jersey , which is really a 12% effective rate, and wonder what the heck happened to that 5.99% rate advertised on the website. Forget the aspirin, just stop the room from spinning!


I apologize for making the room spin, but did so to make a very important point. Many factors determine a qualifying mortgage refinance interest rate. Advertisements with appealing rates are great Sony Michel Patriots Jersey , but you may not actually get the rate shown in the ad. If you ever request a refinance quote and are given a rate without relaying any substantial information, you may want to consider checking with another source. Interest rates can be quoted by anyone with a telephone and a rate sheet, but it is advisable to speak with a customer-service focused loan originator. A good broker or lender will discuss your objectives for the loan, take a full application Stephon Gilmore Patriots Jersey , search for the best available programs available, and relay the best options available to you. A seasoned loan officer will be able to meander through scenarios that fit your specific situation, find competitive current-market rates, and stop that room from spinning.




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