By Carrie Reeder

Before choosing to refinance a mortgage, each homeowner should take into account the pros and cons. As a result of declining interest rates, many people reason that now’s the time to refinance. For many, this is a smart move. However, refinancing may not be wisest choice for others. Homeowners should refinance with a goal in mind. Here are the top three reasons why homeowners opt to refinance their mortgage.

Refinancing is Ideal for Putting Money in Your Pocket

The primary reason for refinancing an existing mortgage is to save money and obtain extra cash. With a refinancing, most homeowners obtain a lower interest rate. Hence, their monthly mortgage payments will decrease. For a noticeable monthly savings, the new mortgage rate should be at least two points below the original. In some instances, homeowners may save a few hundred dollars a months.

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Additionally, refinancing is perfect for cashing in on your home’s equity. For the most part, homeowners would have to sell their homes in order to access the equity they have built. However, a cash-out refinancing makes it possible to tap into your home’s equity, while remaining in your home.

Eliminate Debts with a Cash-Out Refinancing

If selecting the cash-out refinance route, homeowners are given the perfect opportunity to become debt free. It’s easy to acquire a large amount of credit card debt. However, eliminating debts is not as simple. With a cash-out refinance, homeowners receive a lump sum of money at closing. Smart homeowners put the money to good use. This may include planning for retirement, paying off creditors, or making necessary home improvements.

Refinance and Convert to a Fixed Rate Mortgage

Before falling interest rates, many homeowners opted for an adjustable rate mortgage because of the initial low rates. However, adjustable rate mortgages are unpredictable and may increase or decrease without warning. Hence, your mortgage is free is fluctuate.

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Oral Roberts University accountant claims he was ordered to “cook the books”

   Posted by: P9L3wd   in Uncategorized

Wednesday, November 21, 2007

A former accountant for Oral Roberts University (ORU) has filed a lawsuit against ORU and its Board of Regents claiming he was told by Richard Roberts and his wife Lindsay to “cook the books”, hiding financial wrongdoing from authorities and the public. Trent Huddleston, the accountant, has filed suit against the school and the Robertses claiming he “was improperly and unlawfully directed to perform functions and duties in violation of state and federal law in an effort by the defendants to ‘cook the books’ and hide from the appropriate authorities and the public the continued wrongdoing, improper and illegal conduct of the defendants, and in particular, of Richard and Lindsay Roberts.”

Huddleston said that nearly $123,000 in remodeling fees for their home was paid by Oral Roberts University and Oral Roberts Ministries. In addition the lawsuit alleges $4,000 was spent on a pool table for the Robertses. Previously the Roberts were accused of illegal political and financial wrongdoing, which forced the president to step down from his positison.

Last week at a meeting called by Oral Roberts, founder of the University and former faith healer, a majority of the faculty voted against allowing Richard to serve as president.

An ORU spokesman declined to comment on latest lawsuit and the faculty meeting.

In other news, Tulsa World released emails between Richard and his political adviser and sister-in-law, Stephanie Cantees. The emails given by an anonymous source, show the two plan to gain political influence using ORU students.


Motorola to launch iTunes mobile phone

   Posted by: P9L3wd   in Uncategorized

Friday, April 22, 2005

Motorola has recently confirmed plans that it will launch an iTunes compatible mobile phone. The firm, which released quarterly results on Friday, revealed that the phone would be available in a few months time.

There had been speculation that the wireless communications giant would scrap the phone after an underwhelming response from US operators, however CEO Ed Zander confirmed the company’s intentions at the results presentation.

The phone, when launched, will allow users to easily download digital music from Apple’s popular iTunes music store onto their handset. The combination of mobile phone and MP3 player is a long awaited example of the much touted “technological convergence” often mentioned by the industry’s CEO’s.

Wikinews will have a reporter live at Apple’s WWDC keynote (when the software is likely to be released) on June 6 to cover the event.


FBI begins widespread financial probe of 26 firms

   Posted by: P9L3wd   in Uncategorized

Thursday, September 25, 2008

The FBI is investigating 26 firms and 1,400 individuals involved in the US financial crisis for fraud and “sub-prime lending practices”. Freddie Mac, Lehman Brothers, Fannie Mae and AIG are among the firms being scrutinized after recently receiving federal bailouts.

Investigators, who are cooperating with the IRS, Postal Office, and other federal offices to complete their investigation, are concerned that major corporations may have also forced or bribed ratings agencies to favor them.

The probe, which is in early stages, began eight months ago when the FBI began taking a close look at the mortgage industry and widespread irresponsible loaning practices. At least one corporation has been raided, but so far no evidence of fraud has been found.

The FBI has questioned executives of each of the firms closely, and arrested two in June. An anonymous source told The Times that the firms had been ordered to “hold all papers and e-mails under lock and key” as the FBI scours the finances of each firm.

Many of the companies and individuals being investigated are at the center of the nationwide financial crisis and controversial bailout plans, and have been widely blamed for the country’s financial crisis. The investigation has come at a time when the eyes of many in the US and around the world are turned towards the financial markets, as Congress and politicians scramble to fix the crisis while the election date looms closer.

Officials told CNN that it would be a long time before the investigations were finished, adding a warning: “Don’t expect indictments tomorrow or next week or next month”.


Discovering The Wealth Cycle Process To Build Earnings For Your Life!

   Posted by: P9L3wd   in Uncategorized

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Discovering The Wealth Cycle Process To Build Earnings For your Life!


Otel Locwood1

I can equally call these the stages of the wealth in life!

Whilst a lot of people have wealth cycles, a lot of people have poverty cycles, some other people today do not allow their wealth cycles to circulate. Why it can be named a circle?

Since it has a beginning point and from there, goes round the person’s life.

Prior to you get started finding confused, let me give you an illustration that explains the cycle.

The wealth you commence building at age 28 is supposed to go round your life till you die. But you see scenarios exactly where at 50, all of the wealth at age 28 to 35 is gone. What occurred?

That’s aspect of what we shall be learning nowadays. Have you been nonetheless with me?

What’s wealth? Wealth is not cash, but wealth includes cash, cash doesn’t include things like wealth. You could be wealthy devoid of getting wealthy, but you cannot be wealthy with out being rich!

To be wealthy usually means to have dollars, but to be wealthy signifies to have money plus other essentials of life.

Another crucial fact is that wealth is built and not produced. You can generate income, but you cannot make wealth, you assemble wealth. Anytime you develop wealth, It truly is either you assemble a business or a career, but for those who develop a business, you also make a career even though if you develop a career, you don’t create a business. Having said that, the expertise from the profession might be beneficial when you now want to create a business.

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You will discover 5 key stages in wealth cycles.

They are:

STAGE 1 (Nothing):

This can be the stage of seeking within and wanting to see what you may do.

Everyone has to pass as a result of that stage in life and that’s the period once you usually do not have any funds whatsoever. Remember, wealth is cash plus life essentials whilst getting rich is money. Stage 1 is what everyone in life passes by way of and nobody is born having a bag of cash in his or her mouth or stomach. Everybody was born with practically nothing.

This really is to say that at 1 stage or the other in life, you’ll have been at point zero whenever you have no funds in any way.

STAGE 2 (Modest)

Begin tiny. I laugh when I see graduates just finishing school, either BSC or MSC and many do not need to get started small. A lot of want the job of $2000 per month. When it’ very good ambition. I will need to say that absolutely nothing major started massive, every thing major began smaller.

In case you have to make wealth, you will need to start little either in one particular smaller workplace or small businesses although all you might be producing inside a month may be so modest. The most essential thing is the fact that you have to be mastering.

Beginning modest isn’t a crime, but staying tiny could be the situation.

STAGE 3 (Struggling)

This really is the stage you might be struggling to make wealth. This can be the stage of total investment. Investing your income, life, time, skill, capability, and anything inside your business or career.

Remember that business is something which is performed for a profit.

What exactly is wealth Creation? Wealth creation happens if you develop an item or service that men and women want and want and are willing to pay for at a price tag that is in excess of your total cost of creating that product or service.

The important to business success has constantly been the identical: Uncover a will need and fill it!

We all earn our livings by serving other persons in some way. Your business target is to obtain out what people truly want and need, and then give it to them superior and more quickly than anyone else.

This is the stage you commence fixing your item or service to take the position of marketplace leadership. Hundreds of providers have been studied to find out the secrets of market leadership.

At this stage, you preserve operating on strategies and systems that may operate. The majority of the earnings you make from building your business are to be invested once again and if you have established a number of the procedures that function for the business or career, then you might find out that you just have started out having additional funds than enough.

STAGE 4. (Having Adequate).

Having extra than adequate. This stage is the stage of income and placing aside many of the earnings for the future. At this stage, you will be creating the income and you will be also building your name or reputation.

Your reputation within the marketplace determines just how much you’ll be able to sell, as well as the rates you charge. The friendliness of the staff along with the ease of carrying out business with you is usually an important component of the reputation. Your credibility with your clients, the degree to which they see you as trustworthy and dependable can be an essential worth to your clients.


This really is everybody’s want and acquiring to this point is not the problem but staying there and not to reverse or drop back to an initial stage. It truly is easy to be a millionaire but difficult to stay and remain a millionaire.

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Discovering The Wealth Cycle Process To Build Earnings For your Life!


Acting teacher and director Milton Katselas dies at age 75

   Posted by: P9L3wd   in Uncategorized

Tuesday, October 28, 2008 

Acting teacher and director Milton Katselas died Friday at age 75, after suffering from heart failure at Cedars-Sinai Medical Center in Los Angeles, California. He began the Beverly Hills Playhouse in 1978 and taught acting classes there to noted actors including George Clooney and Gene Hackman. Katselas is survived by a sister and two brothers.

Katselas directed an off-Broadway production of Edward Albee’s The Zoo Story, and received a Tony Award nomination for his 1969 direction of Butterflies are Free. Actress Blythe Danner won a Tony Award for her role in Butterflies are Free under Katselas’ direction. He moved to California to direct the film version of that play, and went on to direct films and television movies. Actress Eileen Heckart received an Academy Award for her role in the film version of Butterflies are Free.

Katselas directed the San Francisco and Los Angeles productions of the play P.S. Your Cat Is Dead! by playwright James Kirkwood, Jr. In his author’s notes in the publication of the script, Kirkwood acknowledged Katselas, and wrote that the plays were “directed with incredible energy and enthusiasm by Milton Katselas, to whom I am extremely indebted”.

Katselas directed the television movie Strangers: Story of a Mother and Daughter, and actress Bette Davis received an Emmy Award for her role in the movie. Katselas taught many famous actors including Michelle Pfeiffer, Richard Gere, Robert Duvall, Jack Lemmon, Al Pacino, Goldie Hawn, Christopher Walken, Burt Reynolds, George C. Scott, Elizabeth Taylor, Richard Burton, Alec Baldwin, and Patrick Swayze. Katselas was credited with being able to nurture actors with raw talent so that they could develop strong Hollywood careers. He utilized innovative techniques in his courses – one course called “Terrorist Theatre” had a simple premise: successfully get an acting role within six weeks or leave the course.

He grew up in Pittsburgh, Pennsylvania to parents who had immigrated from Greece, and graduated from Carnegie Mellon. He studied acting with Lee Strasberg in New York at the Actors Studio, and received advice from directors Joshua Logan and Elia Kazan.

Katselas was a prominent Scientologist, and a July 2007 profile on Katselas in The New York Times Magazine observed that some of his students stopped taking courses at the Beverly Hills Playhouse because they felt they had been pressured to join the Church of Scientology. According to the article, Katselas credited Scientology founder L. Ron Hubbard “for much of his success in life”, and one of his students works at Scientology’s Celebrity Centre. The article commented that some in Los Angeles view the Beverly Hills Playhouse as “a recruitment center for Scientology”.

Katselas met L. Ron Hubbard after moving to California, and began studying Scientology in 1965. The New York Times Magazine reported that he had reached the level of “Operating Thetan, Level 5, or O.T. V.” in 2007. According to The New York Times Magazine when Scientologists proceed up the “The Bridge to Total Freedom” they learn the story of Xenu, and that: “75 million years ago the evil alien Xenu solved galactic overpopulation by dumping 13.5 trillion beings in volcanoes on Earth, where they were vaporized, scattering their souls.” A Church of Scientology publication, Source, lists Katselas as reaching O.T. V. in 1989.

Though some actors felt pressured to join the Church of Scientology after taking courses at the Beverly Hills Playhouse, at least one individual felt Katselas was not active enough with the organization. Actress Jenna Elfman left the Beverly Hills Playhouse because she felt Katselas was not committed enough to Scientology. Katselas had previously directed Elfman in half of Visions and Lovers: Variations on a Theme, two one-act plays about relationships that he had written himself. In 1999 Katselas had planned to adapt the script of Visions and Lovers to a film version, and Elfman was set to reprise her role from the play. In an article in Variety about the project, Elfman commented on her experience working with Katselas: “He is brilliant, and knows me so well as a person and an actress that he gets the most out of me.”

Other prominent Scientologist actors who have studied under Katselas include Giovanni Ribisi, Jason Lee, and Leah Remini. According to Rolling Stone, Katselas also recruited actress Kelly Preston to Scientology. Actress Nancy Cartwright (the voice of Bart Simpson), told Scientology publication Celebrity that Katselas motivated her to get more active in Scientology, and she stated she took the organization’s “Purification Rundown” and her life “took off completely”.

Anne Archer was introduced to Scientology while studying at the Beverly Hills Playhouse, as was former Scientologist and now outspoken critic actor Jason Beghe. Beghe told Roger Friedman of FOX News in April 2008 that “He [Katselas] gets kickbacks”, and that he was brought to a Scientology center by fellow Beverly Hills Playhouse classmate Bodhi Elfman, Jenna Elfman’s husband. In a 1998 article for Buzz Magazine, Randye Hoder wrote “In his class, Katselas is careful not to label anything as a tenet of Scientology, but there is no question that the church’s influence seeps into the playhouse.”

Anne Archer’s husband and fellow Scientologist, producer Terry Jastrow, commented to The New York Times Magazine that Katselas changed the way he experiences life on a day-to-day basis: “I go out in the world and look at human behavior now. I see a woman or man interacting with a saleslady, and I see the artistry in it. Life is an endless unspooling of art, of acting, of painting, of architecture. And where did I learn that? From Milton.”

Actor Anthony Head of Buffy the Vampire Slayer spoke highly of Katselas in a 2002 interview with San Francisco Chronicle: “He’s this wonderfully intuitive teacher and his premise is basically: The only real barriers are the ones we put in front of ourselves. If you say, ‘My character wouldn’t do that’ — bollocks! Ultimately it’s you who wouldn’t say that. Who knows what your character might do.” In the acknowledgements of her 2004 autobiography Are You Hungry, Dear?: Life, Laughs, and Lasagna, actress Doris Roberts wrote: “I thank my friend and acting teacher, the incredible Milton Katselas, for his insights, wisdom, and inspiration, which have helped make me the actress that I am.”

Katselas authored two books: Dreams Into Action: Getting What You Want, first published in 1996 by Dove Books, and Acting Class: Take a Seat, which came out earlier this month. Dreams Into Action, a New York Times Bestseller, sought to modify motivational acting exercises to the field of business.

In an interview in the 2007 book Acting Teachers of America, Katselas commented on his experiences as an acting teacher over the years: “I have very special teachers here at the Beverly Hills Playhouse—some have been with me for over twenty-five years. I believe that to make a difference over the long haul, we need to train teachers. I really care about the craft of acting. It’s absolutely necessary to take the time and patience to really develop an actor.”



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Top 5 Sightseeing Attractions To Behold On Cairo Holidays

   Posted by: P9L3wd   in Uncategorized

Submitted by: Sam Walker

Awe-inspiring sightseeing, satiating feasting, and alluring shopping there is seemingly no end to the number of rewards for booking tickets to Cairo. With sheer modernism at one corner and enchanting traditionalism at another – a visit to Cairo is all about experiencing the spate of different emotions like awe, bewilderment and ecstasy.

Wonderful skyline by the serene River Nile; culturally infused vibrant ambience; glorious, historical remnants; pungent aroma of mint tea and always smiling denizens roaming at bustling souks make Cairo, a city of different characters. Its everlasting charm leaves one speechless and lure back time and again. And once, you are here it is absolutely difficult to resist the everlasting splendour of its glistening gems.

Pyramids of Giza

Synonymic to Egypt and one of the major reasons for the high demand of air tickets to Cairo, Pyramids of Giza are among the Seven Wonders of the World. A visit to the place enlightens one about the scientific and technological advancement of the ancient period and offers the opportunity to witness the finest designs of the centuries old structures. The largest – The Great Pyramid of Cheops is the major attraction of the place. There is a Solar Boat Museum nearby where many wooden boats are brilliantly preserved and visitors can also feast the eyes with a renowned sound and light shows.

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The Egyptian Museum

An ultimate destination for historical buffs grabbing airline tickets to Cairo, The Egyptian Museum or the Museum of Egyptian Antiquities is overwhelmingly a huge place to witness. Repository of over 120,000 artefacts, the legendary place is a true place of beholding the magic of bygone era of Egypt. The museum has Royal Mummy Room containing more than 25 royal mummies and corpses of pharaohs like Seti I and his son Ramses II. Tutankhamun Galleries exhibiting the gold funerary mask is also key attraction in the museum.

Coptic Museum

Located in Coptic Cairo in Old Cairo, Coptic Museum is visited by almost every traveller who grabs air tickets to Cairo. Home to the largest collection of Coptic artwork in the world, the imposing museum oozes the majesty from every nook and cranny. Here the outstanding architecture greets the visitor and the vast artefacts including carved stones, textiles, metalwork, manuscripts, stucco, frescoes and woodwork leave one in awe. Astonishing Coptic textiles, elaborately carved ivories and vivid Nubian paintings of Lake Nassar are among the key attractions of the museum.

Islamic Art Museum

Located at 5-minute walk from the southern gate of Fatimad city, Bab Zuweila and one of the best museums in the city, Islamic Art Museum boasts the refined collection of Islamic artworks covering the Fatimid, Ayyubid, Mamluk and Ottoman periods. Carpets, stucco, manuscripts of Quran, calligraphies, mosque lamps, woodwork, intarsia, metalwork and textiles are among the key exhibits of the museum.

The Citadel, Cairo

The expansive complex of The Citadel is like a treasure trove of fascinating museums, heavenly palaces and stunning mosques. Mohammed Ali Mosque, Police Museum, Sultan Al-Nasir Mosque, Al-Gawhara (Jewel) Palace, Carriage Museum, Archaeological Museum, Military Museum, Suleyman Pasha Mosque and Bab el-Azab are among the popular attractions of the site.

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as expert writer since 2 years. He is consultant and expert advisor on airline tickets to Cairo and writing on air travel safety tips and advices on world top holidays destinations. Please visit:-


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Car bomb defused in central London

   Posted by: P9L3wd   in Uncategorized

Friday, June 29, 2007 

A car containing an large explosive device has been defused in the Haymarket, London. A second device was later found in a car park in Park Lane.

A car, a light metallic green Mercedes-Benz E Class saloon (produced 1984-1995), parked near the nightclub ‘TigerTiger’, contained petrol, gas cylinders and nails. Police described it as a “potentially viable explosive device”.

Police carried out a controlled explosion at 2:00 a.m. BST and the car has been taken to a forensic explosives laboratory for further investigation.

Eyewitnesses saw the car driving “erratically” and colliding with bins before being abandoned. An ambulance crew in the area alerted police after seeing smoke inside the car.

Deputy Assistant Police Commissioner Peter Clarke said there could have been “significant injury or loss of life”.

A meeting of COBRA, chaired by new Home Secretary Jacqui Smith was held about the incident.

Police say it is too early to tell who is behind the threat. Prime Minister Gordon Brown said the country faces a “serious and continued security threat” and urged people to “be vigilant at all times”.

Disruption has been caused to transport in the area with roads closed and bus routes diverted. Piccadilly Circus tube station has reopened after an earlier closure

Police are reviewing major events to be held in London over the weekend.

CBS News has reported that a message appeared on the widely used jihadist Internet forum Al-Hesbah at 8:09 a.m. June 28, saying: “Today I say: Rejoice, by Allah, London shall be bombed.” The message went on to mention the recently announced knighthood of Satanic Verses author Salman Rushdie.

Following an incident at Glasgow airport, Home Secretary Jacqui Smith announced the elevation of the UK’s national threat level from “Severe” to “Critical”, indicating that an attack could be expected “imminently”.

Two people have been arrested in Cheshire in connection with the Glasgow International Airport attack and attempted London car bombings.

Park Lane was closed to the public due to a suspicious car parked in the underground car park beneath Hyde Park. Police, who believed the two incidents to be linked, cordoned off Park Lane and Hyde Park to allow the bomb disposal unit access to the vehicle. The car was illegally parked on Cockspur Street and was towed to the pound on Park Lane, it was then discovered that the car contained an explosive device.


Belgian bus company knows solution for car parking problems

   Posted by: P9L3wd   in Uncategorized

Monday, May 21, 2007 

Do you have a hard time finding a parking space? Take the bus or tram if you go to the city. That’s the message Belgian bus company De Lijn (The Line) is sending to promote public transport as a solution for car parking problems. As a part of their media campaign, they have jokingly suggested that people use the top of the busses as parking space.

Another idea they are using in their media campaign: maybe you could park your car on the bottom of a canal? The bus company is using an invented diving company called Cardive, which has divers that offer to dump your car in the canal. The divers walk around in cities and hand out free bus tickets and maps of the bus network.

To reach car drivers who are not using public transport, the media campaign has several radio commercials that present other solutions to the car parking problem. You could use “asphalt-spray” to camouflage your car, making it invisible for policemen (although you then need to remember where you’ve parked). Or you could use the “flat tire kit”, which comes with a fake flat tire and an inflatable dummy, so it looks like you’re replacing your flat tire. The final idea the bus company has is to use a View-Master to fool parking guards into believing that your car has been stationed correctly.

A survey among 4000 customers of De Lijn shows that two out of three car owners who use public transport, do so to avoid parking space troubles, and in cities this percentage rises to 90%. The survey further shows that 39% use the bus to go shopping.

During the month of May, the auto-bus and the divers tour several cities in Flanders (Leuven, Hasselt, Ghent, Bruges and Antwerp).

Press Release: “Vermijd parkeerproblemen met De Lijn!” — De Lijn, May 19, 2007 (Dutch)