That Payday Punch

The FHA Home Loan is a home loan program established by the federal government in order to assist more families in being able to achieve the American dream of owning your own home. The FHA home loan is specifically designed for the first time home buyer but can also be accessed by any other home buyer who does not already have an outstanding FHA home loan. The FHA home loan assists minorities, low-income families and people with bad credit to acquire a home which helps them to build home equity and increase good credit history. Applying for the FHA home loan is relatively easy and you will quickly learn whether or not you have qualified.

FHA History

The FHA is the Federal Housing Administration, a branch of the United States federal government established in 1934 as part of the National Housing Act. The mission of the Federal Housing Administration is to provide FHA home loans to make owning a home a reality across a wide demographic throughout the country. The FHA home loan program also helps to stabilize the mortgage market which is a real estate benefit to all home owners, irrelevant of whether or not they obtained their homes through assistance from an FHA home loan.

Benefits of the FHA home loan

In comparison with a private or conventional home loan, the FHA home loan is likely to have slightly lower interest rates. However, the reason for application through the FHA home loan is more likely to be related to credit history. A person with no credit history or poor credit history is much more likely to qualify for an FHA home loan than for a conventional home loan. The FHA home loan is more forgiving of bankruptcy problems and other similar issues.

Applying and qualifying for the FHA home loan

An application for the FHA home loan can be downloaded and completed online. After the application for the FHA home loan has been submitted, it will be reviewed for basic qualifications. Approximately eighty percent of submitted FHA home loan applications meet the basic requirements for the next step which is consultation with an FHA home loan representative. This specialist will go over the details of your application more carefully and talk with you about the FHA home loan. You should know within just a few weeks whether or not you will qualify for the FHA home loan.

Repayment of the FHA home loan

In terms of repayment, the FHA home loan is exactly like any other home loan. Interest will be calculated and added to the payment which is made in monthly installments. Failure to repay the FHA home loan will result in repossession of the home. A home which is taken control of by the federal government as a result of failure to repay an FHA home loan is known as a HUD home, because it is owned by the government branch known as Housing and Urban Development. HUD works in conjunction with the FHA home loan program to provide accessible housing to a larger number of Americans.

Martin Lukac, represents http://www.RateEmpire.com, a finance web-company specializing in real estate/mortgage market. We specialize in daily updates, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies! Visit http://www.RateEmpire.com today

BeCheeky.com started in in 2005 it was established by two partners. They observed a large gap in the online lingerie market & introduced the BeCheeky website with the scheme that it would be designed specially around helping men splash out on any type of lingerie for their significant others. Clientele feel comfortable buying from the website this is because the employees give such superb individual attention and because of this it provides the clients the impression that they are shopping with an elite boutique as well as with a fabulous personal shopper there to assist with your every step.

The website was such a huge success with ladies lingerie that the staff set up men?s underwear to the BeCheeky site as well. The BeCheeky site is well known for its array of pretty underwear sets, bras, knickers, boyshorts, corsets, basques, bikinis and swimsuits. What makes them special is that there is constantly a little something for all tastes. Each item that is payed for is always sent out to you in a superb silk bag filled with confetti for that exceptionally particularly special touch. the BeCheeky website are also famous for their good value exceptionally offers which more often than not happen on a day to day basis. Find affordable, gorgeous and stylish women’s lingerie and tankinis from designers such as Phax, Sunflair, Gok Wan, Gottex, Seafolly and Miracle Suit.

The BeCheeky website itself is exceptionally uncomplicated to navigate all around with easy to follow instructions to make your selection and payment transaction as painless & as trouble – free as probable. Once you have chosen your knickers it is time to choose what mailing you yourself would like. There are a couple of types of options to choose from, regardless of this, all arrival techniques are commended for their own quick postage The BeCheekys website sends out deliveries to the UK, Europe and the rest of the world. The clientele offer 3 forms of mailing delivery, standard which will be sent out to you within 3 days days, the next working day and then worldwide which usually takes between two to three days from order date. There is always a small charge for deliveries ?2.30 for standard & ?5.95 for the next working day delivery.

As a first time home buyer, there are several things you should consider when applying for a loan online. First, do you know what type of loan you want? Secondly, do you want personal service or better rates? And finally, how do you plan on scheduling in a home loan?

Type Of Loan

Mortgage loans come in a variety of financing forms to best suit your needs. You can choose a fixed rate loan, which is a traditional choice. Or you can choose an adjustable rate loan that will lock rates in three years or later. Other options include an interest only loans, balloon loans, or jumbo loans.

All these different types of mortgage loans have their advantages and disadvantages. To pick the best one for your financial situation, read up on mortgage loans. Most online mortgage lenders offer helpful articles on their websites to help you understand terms and rates. You can also email them if you have a particular question.

Online mortgage lenders handle all the same loans that a traditional bank would handle. In fact, mortgage brokers can find financing packages that a traditional bank might not be able to offer.

Better Rates With Streamlined Process

Trading in an office visits for a streamlined online loan process allows you to save money on your mortgage loan. Some mortgage lenders eliminate loan fees, while others reduce their interest rates. Add up the cost of the interest and fees to find the lowest priced financing package.

Scheduling A Home Loan

One surprise for new home buyers is the amount of time required to apply for a mortgage loan. Filling out the application is simple enough, but a traditional bank may require you to go in multiple times to review paperwork and sign forms. Online mortgage lenders allow you to complete paperwork online at your convenience. When you do need to sign the forms, you do it in the presence of a notary that you schedule.

While online mortgage lenders simplify the paperwork, you will still need to keep in contact with your lender to ensure the funds are processed on time. A simple email or phone call made once a week should be enough to keep the process on track and inform you of any possible delays.

To view our list of recommended mortgage lenders online, visit this page:
Recommended Mortgage
Lenders Online.

Carrie Reeder is the owner of ABC Loan
Guide, an informational website online about various types of loans.

Why Are So Many Christians Sick?

Why are so many Christians sick? There are many reasons such as inherited disorders, lack of proper diet and exercise, injuries, and in some cases sin. Could one of the reasons for illness be to motivate us to show compassion on those who are sick, including praying for them?

This article explains the importance of compassion on others who are sick in seeking healing from God for oneself. Such compassion includes intercessory prayer, fasting, and visiting the sick.

Many in the Church of God at Corinth were sick and in some cases had died at an early age. The apostle Paul states the reason for these illnesses and early deaths in I Corinthians 11:29-30:

“29For he that eateth and drinketh unworthily, eateth and drinketh damnation to himself, not discerning the Lord’s body. 30For this cause many are weak and sickly among you, and many sleep.” (KJV)

How were they eating and drinking in an unworthy manner? They were making the remembrance of Christ’s sacrifice into a party. However, the root cause of their doing so was that they despised the Church of God and looked down on the other members of the church who were poor.

They did not have much brotherly love at the time that Paul wrote I Corinthians as shown by their contentions (I Corinthians 1:11), envying, strife, divisions (I Corinthians 3:3), and going to court with each other (I Corinthians 6:6).

The Lord’s Body

What is the Lord’s body? It was his body that was sacrificed to pay the penalty for sin. He was also beaten with stripes so for the purpose of physical healing for those who seek and obey God (Isaiah 53:5, Matthew 8:15-17, and I Peter 2:24).

However, the body of Christ is also the Church of God as Paul tells us in the next chapter. In I Corinthians 12:25-27, Paul wrote the following:

“25That there should be no schism in the body; but that the members should have the same care one for another. 26And whether one member suffer, all the members suffer with it; or one member be honoured, all the members rejoice with it. 27Now ye are the body of Christ, and members in particular.” (KJV)

How much Christians appreciate the sacrifice of Christ is reflected in how they treat each other.

Importance of Love

What is the next chapter? It is I Corinthians 13, which is the famous love chapter. I Corinthians 13 is not just an isolated great chapter of literature in the Bible. The sacrificial love described in I Corinthians 13 is the solution to the problems that the Church of God at Corinth had that Paul described in earlier chapters.

Indeed, lack of love can lead to many physical and emotional diseases. Dr. S. I. McMillen wrote in None of These Diseases “Without lovethat thoughtfulness and keen consideration of othersman is likely to perish from a variety of diseases of mind and body.” [S. I. McMillen, M.D., None of These Diseases, (Westwood, N. J.: Spire Books, 1967) p. 77]

Lessons from Sickness and Suffering

When we are sick, we learn to have more empathy and love for others. Many in the Church of God are sick to help us develop more compassion for others. We need to learn to comfort others who are sick and suffering other trials.

When a person is in a hospital bed, even a couple of days can seem like an eternity. And the pain that can appear following surgery once the anesthesia has worn off can be the most excruciating pain imaginable.

If we have experienced such suffering, we are more likely to have compassion on others who are going through such trials. Might God also allow some who are very compassionate to suffer so that others in the Church of God can learn to pray more for them and show more compassion on them?

Being Anointed and Praying for Others

The apostle James wrote that when we are sick we should call for an anointing by the elders of the church as recorded in James 5:14-17.

“14Is any sick among you? let him call for the elders of the church; and let them pray over him, anointing him with oil in the name of the Lord: 15And the prayer of faith shall save the sick, and the Lord shall raise him up; and if he have committed sins, they shall be forgiven him. 16Confess your faults one to another, and pray one for another, that ye may be healed. The effectual fervent prayer of a righteous man availeth much. 17Elias was a man subject to like passions as we are, and he prayed earnestly that it might not rain: and it rained not on the earth by the space of three years and six months.” (KJV)

The message of the book of James is demonstrating faith by works, especially works of compassion. James states that pure religion includes visiting orphans and widows in their trouble (James 1:27). He also writes about providing food and clothing to needy people in the church (James 2:15-16). Further, he addressed the importance of mercy and good fruits (James 3:17). He goes on to state that sin includes not doing good when we know we should do it (James 4:17).

While praying for ourselves when we are sick is certainly good to do, these verses say to pray for one another and be anointed by the elders in the church that we may be healed. That instruction is consistent with the instructions to be compassionate throughout the book of James. We must inform others of our infirmities so that they can pray for us. We must pray for others who are ill so that we ourselves can be healed.

The Relationship of Fasting to Healing

One of the ways we can grow closer to God is by fasting. Fasting is a means of afflicting our soul and as such it can also help us to have more compassion on others who are illespecially if we have been blessed with good health and have not experienced intense physical suffering.

The pain of fasting is nowhere near as intense as the pain that others feel who have bone cancer or the pain that one feels following major surgery. However, afflicting our soul by fasting can help us to understand better the physical suffering of those who suffer from illness. Fasting for others who are ill can show God that we do want to feel their hurts and our hearts are in our prayers for them because we care. Fasting should change us and help to motivate us to have more compassion on others.

God is not impressed if we fast for pride in a futile attempt to gain His favor. What does God want us to learn from fasting? The answer is in Isaiah 58:6-9.

“6Is not this the fast that I have chosen? to loose the bands of wickedness, to undo the heavy burdens, and to let the oppressed go free, and that ye break every yoke? 7Is it not to deal thy bread to the hungry, and that thou bring the poor that are cast out to thy house? when thou seest the naked, that thou cover him; and that thou hide not thyself from thine own flesh?

8Then shall thy light break forth as the morning, and thine health shall spring forth speedily: and thy righteousness shall go before thee; the glory of the LORD shall be thy reward. 9Then shalt thou call, and the LORD shall answer; thou shalt cry, and he shall say, Here I am. If thou take away from the midst of thee the yoke, the putting forth of the finger, and speaking vanity.” (KJV)

According to the Critical and Explanatory Commentary on the Whole Bible by Jamieson, Fausset, and Brown, the word healing in verse eight literally means “a long bandage, applied by surgeons to heal a wound.” Fasting can help us to seek God and His will. David, a man after God’s own heart, fasted when others were ill. David sought God by fasting when his enemies were sick (Psalm 35:13). David also fasted for his child that he had with Bathsheba was ill (II Samuel 12:16).

What Job Had to Do Before God Healed Him

Job was an upright man who feared God and avoided evil. Yet, God allowed Satan to take Job’s property and family, but Job retained his integrity.

Then God allowed Satan to strike Job with sore boils all over his body. Job’s flesh was filled with worms and dust. His skin was broken and ugly. God later healed Job of his infirmities. What did Job have to do before God healed him? The answer is in Job 42:10.

“10And the LORD turned the captivity of Job, when he prayed for his friends: also the LORD gave Job twice as much as he had before.” (KJV)

The word “losses” literally means captivity, that is, what was captured from Job. One of Job’s losses was his good health.
Yes, God is a merciful God, and he wants us to become compassionate and merciful. The merciful will receive mercy (Matthew 5:7).

Was Job on the mind of James when he wrote his epistle? That is an interesting question. Thankfully, it is one about which we do not have to speculate. In Chapter 5, the very same chapter where James gives instructions on being anointed and praying for others who are sick, he writes in verse 11:

“11Behold, we count them happy which endure. Ye have heard of the patience of Job, and have seen the end of the Lord; that the Lord is very pitiful, and of tender mercy.” (KJV)

So, James was clearly thinking about Job when he wrote his epistle.

Jesus Christ is very compassionate and merciful. He was severely beaten before he was crucified and gave his life for us so that by his stripes we can be healed. As Christ gave his life for us, we should also give of our time in praying for our spiritual brothers and sisters who are ill if we ourselves are to be healed when we are ill.

Conclusion

Sometimes God chooses not to heal us in this life for reasons we do not fully understand. Even Paul was not healed of a problem for which he sought the Lord three times (II Corinthians 12:7-10). However, compassion for others, including intercessory prayer, fasting, and visiting the sick are keys to our own healing if it is God’s will to heal us in this life.

If we want to be forgiven, we must forgive (Matthew 6:15). If we want to be healed, we should have compassion on others and pray for them. We should pray for our friends even as Job did. If God required Job to pray for his friends before he could be healed, does God expect any less of us?

The woman who had an issue of blood was healed when she touched Christ (Matthew 9:20-22). In a spiritual sense, we can still touch Christ today through our compassion for others who are ill.

In the parable of the sheep and goats (Matthew 25:36), Christ says to the righteous that “I was sick, and ye visited me: I was in prison, and ye came unto me.” (KJV)

They asked when was it they saw Christ sick. They had made showing compassion on the sick a way of life. He told them that when they visited one of the least of his brethren they did it unto him (Matthew 25:39-40). We should show compassion on others who are sick, including praying for them. Our prayers for them should ascend daily to heaven and fill the nostrils of God as sweet incense (Revelation 8:3-4).

Alan D. Campbell lives in Brandon, Florida. For more good news, please see his blog The Good News of the Kingdom of God at http://goodnewsofthekingdomofgod.blogspot.com

What Do you mean closing there doors? Close doors on Sunday! What in God’s wisdom are they thinking of? Well certainly not it being Sunday. No its Christmas day they are referring to. And though there reasons are not spiritual they make sense; surprisingly are supported by spirituals.

In spite of this that is not why, at least in my opinion they may finally have got it right. Yep it’s that history thing again. That subject we pay so little attention to. The beautiful rendition of Christ’s birth by Luke the Physician and Christ’s historian:

And it came to pass in those days, that there went out a decree from Caesar Augustus, that the entire world should be taxed. (And this taxing was first made when Cyrenius was governor of Syria.) And all went to be taxed every one into his own city. And Joseph also went up from Galilee, out of the city of Nazareth, into Judea, unto the city of David, which is called Bethlehem; (because he was of the house and lineage of David To be taxed with Mary his espoused wife, being great with child. And so it was, that, while they were there, the days were accomplished that she should be delivered. And she brought forth her firstborn son, and wrapped him in swaddling clothes, and laid him in a manger; because there was no room for them in the inn. And there were in the same country shepherds abiding in the field, keeping watch over their flock by night. And, lo, the angel of the Lord came upon them, and the glory of the Lord shone round about them: and they were sore afraid. And the angel said unto them, Fear not: for, behold, I bring you good tidings of great joy, which shall be to all people. For unto you is born this day in the city of David a Savior, which is Christ the Lord” (Luke 2:1-11

For today’s Christian, the origin of Christmas is, and should be, the birth of Jesus Christ as recorded in the Bible; they should accept nothing neither more nor nothing less.

However, most of what we witness and celebrate each December 25 regardless of which day it falls has absolutely nothing to do with that blessed day, which probably occurred in late summer or early fall about 2,000 years ago. In fact, most of the customs and traditions of Christmas actually pre-date the birth of Jesus, and many of them are downright deceptive in their meaning and origin:

The date of December 25th believed to have been the ancient “birthday” of the son-god, Mithra, a pagan deity whose religious influence became widespread in the Roman Empire during the first few centuries A.D.; who was related to the Semitic sun-god, Shamash, and his worship spread throughout Asia to Europe where he was called Deus Sol Invictus Mithras. Rome being well-known for absorbing the pagan religions and rituals of its widespread empire, converted this pagan legacy to a celebration of the god, Saturn, and the rebirth of the sun god during the winter solstice period. The winter holiday began the week prior to December 25th became known as Saturnalia. The festival was characterized by gift-giving, feasting, singing and downright debauchery, as the priests of Saturn carried wreaths of evergreen boughs in procession throughout the Roman temples.

Variations of this pagan holiday flourished throughout the first few centuries after Jesus Christ; it is believed that in 336 AD that Emperor Constantine with his own conversion to Christianity officially converted this pagan tradition into the “Christian” holiday of Christmas.

Again writing about a religous yet most historical event proves informative and fun.

Spending hours searching for the perfect gift for a loved one or a special friend is nothing out of the ordinary at Christmas time. With companies trying to make their products appeal to the masses it’s hard to find something personal enough so what on earth do you choose that can be tailored to the recipients tastes? A gift experience; that’s what.

Gift experiences come in the shape of a voucher, which can be redeemed for one of the most memorable days of your life. For instance, customers can buy a professional photo shoot for a relative or a day out zorbing with a friend. There are even sky dives, helicopter lessons, vineyard tours and spa days on offer. What’s great about gift experiences is that the whole day is catered towards that special person and the Staff who make it all happen know exactly why you are there. Of course the price of each gift experience depends on what is involved but they always include catering (meals), any equipment and any safety clothing you might need to properly enjoy yourselves.

If you’ve run out of ideas for what to buy someone for Christmas or for their birthday then look to the lists of hundreds of gift experiences available online. They come in a range of prices, the number of days you go for, what you actually do and where to go.

When you want to give your loved ones something to look forward to and the message you’re trying to convey at Christmas is ‘I value you’ nothing says it better than a day out doing something you both love, enjoying each other’s company.

America is dividing again. Jewish Americans are finding it hard to discuss issues with devout Catholics who go with the flow and support the new Pope, Benedict XVI a former Hitler Youth. The Catholic Church says that he only joined because all citizens of his age were compelled to join. Yet would Jesus have joined the Hitler Youth? Six million, that’s correct six million Jews were killed under Hitler’s orders. The Hitler Youth threw rocks threw Jewish residence windows, helped turn in Jews and anyone who supported them or aided them. Later they assisted in rounding up Jewish folks. And today we have a former Hitler Youth as Pope of the Catholic Church, with out regard to the fact. We have devout Catholics unwilling to question this, unwilling to leave the church and willing to go with the program giving into the hypocrisy. It is a complete slap in the face to the free world for the Catholic Church with their power, wealth and abilities to appoint this Catholic Pope, Benedict XVI, who has already betrayed the teachings of Jesus and the purported mission of the Catholic Church.

Six million people were slaughtered and half a million Americans gave their lives to defend against Hitler’s armies. Yet we are to forgive Benedict XVI for not standing tall against this and either protesting or leaving the country as so many others did. The previous Pope apologized in vain to the Jewish people for the Catholic Church’s participation in NAZI Germany. The previous Pope who promised that the Catholic Church would not do this again, groomed the German Cardinal for the position of Pope and Pope Benedict XVI, he became.

How can the rest of the World live in religious tolerance with a NAZI Pope Benedict XVI who betrayed the sanctity of the Church. Does the World really need the Catholic Church with all their wardrobe get-ups, prancing around like characters from Dungeons and Dragons, parading the streets with life size versions of the Barbie Car and sporting gigantic cathedrals of Roman Gothic architecture from the Dark Ages towering over the people who live economically enslaved and mentally enslaved in guilt? Hmm? The question has been posed and the world needs an answer. The Catholic Church lives in hypocrisy and previously one could argue that they at least helped to unite nations and diverse cultures. Today they divide the United States, the greatest civilization ever created in the history of mankind, in trade for a good ole’ boy network of old fuddy dudy buddies who do not get it and do not have clue; can any club be more out of touch? They are the throw back to mankind’s darkest ages and more resemble the Voodoo Witch Doctors of the Caribbean than any potential world leadership position.

Let’s get real the emperor has no clothes, except for some left over Shakespearian Festival Wardrobes, worn in poor taste. Give me a break, you call that a Church? Is mankind that ridiculous and lacking in cranial capacity that they are willing to take them seriously? The Catholic Church is dead and we should bury it in peace, not celebrate the egos of a group of child molesting Cardinals covering for a bunch of pedophile priests run by a NAZI Pope, Benedict.

Please let’s get real; can it actually get any worse? People actually line up to give these folks 10% of their income and show up in mass for a slobbering old coot who has lost his marbles and his Hitler Youth best friend, while listening to their dribble? You cannot be take this group seriously, it is time to close the Catholic Church and the religious hypocrisy it stands for. How can the human race move forward, while following such a group’s leadership and how can we trust any other world leaders who give them credence? Think about it.

“Lance Winslow” – Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/

I have the privilege of working with motivated athletes and they all exhibit a high degree of self discipline. Often, one of the hardest things to do is to get them not to train, or to rest and recover. Training can be a slippery slope. You have to balance the right amount of stress with the right amount of rest. Even though you may be a disciplined athlete, training discipline means performing the right volume, intensity, and work out and then allowing your body to recover from it. It also means knowing when not to train. Training too hard can be more detrimental than not enough.

Too many athletes confuse high volume training with high quality training. Just increasing the amount your run or ride will not necessarily get you faster. You have to choose the right work outs to train your weakness and capitalize on your strengths. Training should be a slow steady progression. If you add 10 more intervals to what you accomplished last week, the first 3 may have been beneficial, and the last 7 counter productive. A proper plan will not increase overall volume more than about 8% per week with a maximum of 10%. Try to keep these numbers in mind when you design your plan.

Another common mistake is training too hard in the weeks leading up to a race. Depending on your event you should taper your training for 1-2 weeks or more. In this time overall volume goes down while intensity stays up. The purpose of this is to have you fully rested while maintaining a high level of fitness. Some athletes find it hard to taper their training and feel they are under training before their event. As Chris Carmichael once told me, “there is nothing you can do the week of a race to increase fitness, but there is everything you can do to screw it up.”

If you are sick, overstressed, or generally feel like you need a day off it is best to take it. Always consider the quality of your work out. If you are just going through the motions and do not have the energy to complete your work outs as prescribed, rest would be more beneficial than additional stress.

It is important to have a written plan. A plan is not a general recommendation but a deliberate course of action. You should be able to see your progression from block to block. The “close enough” attitude is not a good habit to get into. It is better to have the satisfaction of completing your work out as prescribed. Try not to make too many adjustments during your work outs. If you do need to change your plan or miss a work out make sure you adjust your other weeks to compensate.

Training discipline means having a good plan and sticking to it. It means training smart, not just hard. If you are confused about your training consult with a licensed coach. Often a one hour consultation can get you on the right track.

Both banks and brokers have their strengths and weaknesses. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property. It is a transfer of an interest in land, from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed.

But others will claim low rates to bring in customers or tell you that the rates 5 percent offered by competitors will change.

While a mortgage in itself is not a debt, it is evidence of a debt of 3 percent. Many of these fees are fixed but some can be negotiated.

Some will quote you precise, competitive rates 3 percent. And of course, each loan and each borrower are different. Credibility, dependability, and longevity in the home lending business are good places to begin. Although most mortgage experts say that rates 5 percent are pretty much the same wherever you go, give or take this tiny 10 percentage.

In Dutch it means: Woon je in Heumen of Grootegast en heeft u BKR codering’ Lenen met zonder BKR is nergens zo eenvoudig. Koop een andere auto met geld lenen laagste rente, 283614 euro is geen probleem om te lenen. Van Delfzijl tot Reeuwijk, geld lenen met een BKR notering is hier geen enkel probleem.

So how do you find a lender or broker you can trust’ Start with credibility. It’s not easy to know if the prices quoted by lenders are reliable. In other words, the mortgage is a security for the loan that the lender makes to the borrower. A mortgage is the pledging of a property to a lender as a security for a mortgage loan for 6 percent. See which lenders are charging fees 3 percent and for how much. Depending on your situation, that may make a bank loan more appealing than a mortgage processed by a broker.

Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. Different lenders charge different fees. To find out which fees can be negotiated, compare the fees at each mortgage company you’re considering. Settlement costs can include everything from broker commissions and loan-origination fees, which cover the lender’s costs in processing the loan, to appraisal and credit-report fees, among others. Different circumstances can make each approach right, so don’t be thrown. In most jurisdictions mortgages are strongly associated with loans 3 percent secured on real estate rather than other property and in some cases only land may be mortgaged. Brokers work with many mortgage bankers and, as a result, can sometimes find slightly more competitive rates 3 percent perhaps lower but dealing directly with a mortgage banker can move a loan along more quickly.

Islam is an Arabic word. Its root is Seen Laam Meem. Its basic
word is Salmun. The lexicologists -Taj, Muheet and Lane -draw
all the meanings from this word. Islam is the name of accepting
and obeying the Laws of Allah. In this way it is leading life
according to these Laws. On the other hand, refusing to act upon
these Laws, deviating from them in practical life, and rebelling
against them is kuf’r. Look at the grand and wonderful system of
this universe. Every thing is busy in obeying the laws
prescribed for it. None is capable of deviating from them. Even
a slight difference in their prescribed course is not possible.
The Quran makes this fact very clear when, in Surah Al-Hajj,
Verse 18, it says: Have you not seen that unto the Laws of Allah
obeys whatsoever is in the heavens and whatsoever is in the
earth, and the sun, and the moon, and the stars, and the hills,
and the trees, and the beasts . . . all are obeying the Laws of
Allah. At another place, (Surah Al-Nahl, Verse 49) the Quran
makes this reality clear in these meanings: And unto the Laws of
Allah follows whatsoever is in the heavens and whatsoever is in
the earth of living creatures and the forces of nature as well.
And never disobey the Laws of Allah. In the Quranic words, in
Surah Al-Nahl, Verse 50, their duty and style of life is:
Whatsoever they are ordered, they continuously keep on working
strictly in accordance with it. Wonders of the Heavenly Bodies
How do the bodies in the universe function in accordance with
the Laws of Allah? Leave this question aside. There are other
questions too that demand our attention. Have we ever thought of
the magnitude of the heavenly bodies, which the Quran calls
“Samawaat”? What a wonderful natural phenomenon do these bodies
bring forth? Think over these two questions. The communication
means of the day have made it clear that our earth is a huge
planet. It is always in motion around its axis as well as its
orbit. But a few of us will be knowing that out of the so many
planets moving in the unbounded heights of the universe, our
earth is no bigger than the size of a grain of sand in the
desert. This is no poetry. It is a reality. Our sun, which looks
no bigger than the size of a plate, is at a distance of
9,29,00,000 miles from us. Its diameter is 109 times of our
earth. In other words we can say that it can accommodate
thirteen hundred thousand lands like the size of our earth. But,
compared to the other heavenly bodies, this huge planet, our
sun, is no more than a drop of water in the sea. Now look at the
twinkling stars in the sky. The nearest star to our earth is as
far away as is the product of the distance of the sun from the
earth multiplied by two lakh and seventy thousand. This is the
distance of the nearest star of our earth in miles. The
distances of the heavenly bodies are measured in “light years”,
not in miles as we measure our roads. Now think over the “light
years”. Light covers the distance of 1,86,000 miles in a second.
With this speed of light in mind, just imagine how much distance
it would cover in one year. There are stars the light of which
reaches us in 1,85,000 years. Imagine once again that the light
from these stars, traveling with the speed of 1,86,000 miles in
one second, will reach us in 1,85,000 years. Anyhow, this is the
example of the distance of the stars that are far away. The
galaxy of our earth is a constellation of stars. The light of
its nearest star takes 18,400 “light years” to reach us. Now the
other question is: ‘How many stars are there in the sky?’ If we
start counting one thousand and five hundred stars in one
second, it will take us seven hundred years to count these
stars. And ours is not the only world. There are numerous worlds
ahead of the stars. The “world” is known as “Nebula”. The
farthest “Nebula” that our telescope could find so far is at a
distance of two fifty million “light years” from us. In other
words we can say that the light travelling with the speed of
1,86,000 mile per second can reach us in two fifty million
years. Just imagine the magnitude of the distance. Have you
imagined the magnitude of the “Samawaat”, the heavenly bodies?
These “Samawaat”, are the heavenly bodies, where everything is
functioning strictly in accordance with the Laws of Allah. And
no one is empowered to cross the boundary walls prescribed for
them -not even of the difference of one thousandth of an inch.
There is also no room for making a difference of ten millionth
of a second in their speed. Gravitational Pull All these
planets, the heavenly spheres, are hanging in the space of the
universe. In other words, these are tied with such pillars,
which the Quran calls “invisible”. In this regard, in Surah
Al-Ra’ad, Verse 2, the Quran says: Allah is He who has raised
the heavenly spheres aloft without any visible pillars. These
“invisible pillars” are the Gravitational Pull, which is
supporting each one of these planets. You have just imagined the
depth of the space and the number of the planets in the sky. You
have also seen how much the distance is among these planets. And
you have also found that Gravitational Force of these planets is
supporting one another. Now estimate the all-embracing nature of
this Gravitational Pull from what Sir James Genes says. He says
if we move even one of our fingers, it effects each one of the
planets. The scientists say that the base of all the data about
weight, volume, distance etc. of the planets is this amazing law
of Gravitational Force. This law is so firm that had there been
an unobservable difference in the ratio of Gravitational Pull of
any star or planet, the entire system of the universe would have
been lain in a state of a mess. This is but a light glimpse of
the wonderful greatness and the amazing broadness of the huge
planets moving in the universe. Now have a look at the atoms.
Take the example of one drop of water. There are tens of
thousands of molecules in a single drop of water. Every molecule
contains one atom of Oxygen and two atoms of Hydrogen. The
diameter of one atom of Hydrogen is one hundred millionth of a
centimeter. Now look at the smallness of this atom and then
gloss over its greatness. Like the solar system, the atom of
water has its own system. There is one nucleus with one electron
that revolves around it. This electron equals one hundred
thousandth of a molecule. Revolving round its orbit, it
completes seven billion revolutions within ten hundred
thousandth of a second. And this revolution takes place
according to an unalterable law. This is but the slightest
glimpse of the depths and the heights of the universe. This is
Cosmic Islam The Quran has described this wonderful system of
the universe in ONE word: ISLAM. It has called it DEEN ALLAH. In
Sura Aal-e-Imran, verse 82, the Quran holds: Do these people
desire to follow a system of life other than Deen Allah, the
System of Allah? The state of the fact is that they can see that
everything in the universe submits to Allah’s Laws by choice or
by compulsion and follows the way, which leads to the goal set
for each one by Allah! In other words it means the system of
life Allah has prescribed. It is called DEEN ALLAH. Every body
in the universe submits to this DEEN alone. Submitting to this
system of life is the name of Islam. This is the only style of
life that can lead to the true and genuine goal of life. That is
why, the Quran, in the same Sura, in its verse 84, says:
Whosoever adopts a system of life other than this -AL-Islam
-that system can never be acceptable and at the end he would be
the loser. Conquering the Universe It is evident that the DEEN
(System of life) of everything in the universe is Islam.
Everything is following the Laws of Allah. This following is a
mean to an end, which Allah has prescribed for it. The trial and
endeavour of each and everything is for the accomplishment of
Allah’s prescribed program. In this regard, the Quran, in Sura
Al-Baqara, in verse 116, says: All that is there in the heavens
and the earth is busy for the accomplishment of Allah’s
prescribed program. And each one therein has preserved and
dedicated their potentialities for this purpose. The Quran’s
word “Qaanetoon” in this verse is the most meaningful word. In
Arabic Language “Saqaa’a Taneetun” is the small water-skin,
which does not even let a drop of water go waste and keeps it
preserved and safe for its adequate and proper use. Now apply
this concept. Everything in the universe enjoys unbounded energy
by instinct. Take the example of solar energy. It is a reservoir
of heat and energy both. It does never let its energy go waste
for any purpose other than what has been prescribed for it. This
is “Qaanetoon”. A duty has been assigned to it. And it is busy
in carrying out its duty all the daylong. This process in Arabic
Language is called “Tasbeeh”. In this regard, the Quran, in
Surah Al-Hadeed, Verse 1, says: Whatsoever is there in the
depths and the heights of the universe is intensely and speedily
busy for the accomplishment of the System of Allah who is
all-powerful and the proprietor of the best designs. It is this
thread of the Divine System with which He has embedded
everything of the universe. No one deviates even a little bit
from the style He has prescribed for it. The sole purpose of
this thread is that the man may take work from them. In this
regard the Quran, in Surah Al-Jaasia, Verse 13 says: And He has
of service to you whatsoever is there in the heavens and
whatsoever is there in the earth; it is all from Him. Lo! Herein
verily are portents for people who reflect. This view -that the
man may take work from everything of the universe -is expressed
simply and tersely in Surah Ibrahim, Verse 32-33 of the Quran:
Allah is He Who created the heavens and the earth; He causes the
clouds to rain, thereby produces fruits as food for you, and
makes the ships -within the bounds of the Law -to be of service
to you, -the ships that run upon the sea according to His Law.
And He has made of service to you the rivers within the boundary
walls of Law. Not only ships and the rivers but also He has made
the sun and the moon -within the bounds of Law -constant in
their courses, to be of service to you according to His Law. And
likewise He has made the night and the day for service to you
under the boundary walls of a System. This makes it clear that
the man has to discover these bounds of Allah’s Laws. This will
be the conquering of the forces of nature. Revelation in the
Universe The laws under which the physical objects of the
universe have to operate have instinctively been given to them.
These are called Laws of Nature. It is the Divine Revelation
that has been given to each one directly. In this regard the
Quran, in Surah Haameem Al-Sajda, Verse 12, says: He inspired in
each heaven its mandate. And the likewise is in the earth. In
this connection, the Quran in Surah Azz-Zalzaal, Verse 5), says:
Your Nourisher inspired in her i.e., the earth. This is the very
revelation with which everything of the universe is familiar of
its own system and the operational mode. In other words
everything, in fact, receives from Allah all the guidance, which
it needs. The Allah’s directive force is operative in the
universe. The regularity with which physical objects move
reveals the guiding hand of Allah. This directive force is at
work in everything. In this regard, the Quran, in Surah Al-Noor,
Verse 41, says: Everything knows it too that ‘what its duties
are’, and also that ‘for performing these duties what its
spheres of actions are’. Allah has termed it as His Directive
Force or Guidance. It is operative in the universe. This concept
becomes clear when we study the Quran in Surah Taahaa, Verse 50,
where Pharaoh asked Moses (AS): “Who is your Rabb?” He said: Our
Nourisher is He who has created all the objects in the universe.
He then has also undertaken to make them aware of their goal and
guides them towards it. How does this guiding and directing
force of Allah operate wonderfully in the physical objects of
the universe? Only the people, who have spent their life in
studying and observing the life of these things, can know it.
The result of their observations make one wonder struck. The
following examples will make it clear: A kind of fish is found
in the lakes of Europe and North America. It is called Eel. At a
certain period of their age, the eels start coming out of the
places of their birth. In the darkness of the night, passing
through mud and grass, these eels reach from one lake to the
other. Covering thousands of miles, slowly and gradually, they
reach near the Island of Moda in the Atlantic Ocean, which is
very deep. Now look to the other side: The eels of America reach
there likewise. After laying eggs in the deep ocean, they die.
Their kiddies, after brooding, start their journey to their
native country. Passing through the paths their forefathers have
passed, they reach their own lakes and rivulets. Neither of them
forgets their path, nor reaches any wrong place. This journey
takes them three years to reach their destination. This series
of sequence continues. The observers observe their particulars
very carefully. But no one is able to discover the mystery as
to, which is the force that guides the kiddies, whose parents
died before their birth, and also the mystery as to how they
reach their native country. These kiddies do never lose their
way in this journey of thousands of miles. continued…