payback period increases to 72 months -- six years. So you have to live in your home for at least six years in order to take advantage of the savings that paying points gives you. Most people don't keep a mortgage for six years. Unless you are absolutely sure you will live in the home for the time period necessary to recoup your points, you should probably invest your money instead of putting towards points. If you are looking at paying points in order to reduce your monthly housing payment, you may want to look at a less expensive property. Sixty dollars worth of savings isn't a lot if you have a tight budget. Chances are that if you have a tight budget to start with, finding extra money for closing would be difficult. And don't forget, taking out a side loan to get the money to pay points with is defeating the purpose. Title: Does the American government see its citizens as its children? Word Count: 579 Summary: The founding fathers had an idea for a country and a way to govern the people, by the people and for the people, but does this mean that the government has the right to tell us we can not do something because it is bad for us. Keywords: gambling,casino,government,poker,blackjack,taxes,prohibition, alcohol,internet gambling Article Body: In Americas 230 year history the government seems to have forgotten that there job is to run the government as the people see as best and not the government telling the people what is best for them. The most recent example is the Internet gambling Ban signed into law last week by President Bush. The bill makes it illegal for banks and credit card companies to transfer money to casinos for the purpose of wagering on sports or games of chance, like roulette, blackjack and poker. These games are harmlessly enjoyed regularly by millions of Americans everyday, but some people become addicted to these games so the government is telling all of its citizens that no one is allowed to play these games in an online casino. This is not the first case of the government going against the wishes of the people, in the early 1900Æs the government decided that the consumption of Alcohol should be banned, because some people were developing health and mental problems related to drinking too much. So rather then educating the people on the ill effects of prolonged Alcohol abuse the American government banned Alcohol. But instead of reducing the consumption of Alcoholic beverages it increased, and because the government was not allowing
Toby Hillcrest Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Toby Hillcrest Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Toby Hillcrest Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Toby Hillcrest Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Toby Hillcrest Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Toby Hillcrest Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Toby Hillcrest Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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