Refinancing may refer to the replacement of an existing debt obligation with a debt obligation under different terms. The terms and conditions of refinancing may vary widely by country, province, or state, based on several economic factors such as, inherent risk, projected risk, political stability of a nation, currency stability, banking regulations, borrower's credit worthiness, and credit rating of a nation. In many industrialized nations, a common form of refinancing is for a place of primary residency mortgage. If the replacement of debt occurs under financial distress, refinancing might be referred to as debt restructuring. A loan (debt) might be refinanced for various reasons: To take advantage of a better interest rate (a reduced monthly payment or a reduced term) To consolidate other debt(s) into one loan (a potentially longer/shorter term contingent on interest rate differential and fees) To reduce the monthly repayment amount (often for a longer term, contingent on interest rate differential and fees) To reduce or alter risk (e.g. switching from a variable-rate to a fixed-rate loan) To free up cash (often for a longer term, contingent on interest rate differential and fees) Refinancing for reasons 2, 3, and 5 are usually undertaken by borrowers who are in financial difficulty in order to reduce their monthly repayment obligations, with the penalty that they will take longer to pay off their debt. In the context of personal (as opposed to corporate) finance, refinancing multiple debts makes management of the debt easier. If high-interest debt, such as credit card debt, is consolidated into the home mortgage, the borrower is able to pay off the remaining debt at mortgage rates over a longer period. For home mortgages in the United States, there may be tax advantages available with refinancing, particularly if one does not pay Alternative Minimum Tax.
t see the cable, while an equal number dont believe her testimony and actually think she was aware of it (39 percent). Few -- 11 percent -- say its no big deal that she didnt see the ambassadors request for help. Voters have mixed views about how the White House is handling the situation: 46 percent say the administration is covering up what happened. Almost as many -- 43 percent -- say theres no cover up.Republicans (72 percent) are almost three times as likely as Democrats (24 percent) to think there is a cover up. Among independents, 46 percent feel the White House is hiding what happened, while 39 percent do not. The administration eventually acknowledged the attack in Benghazi was a planned terrorist attack. Early on it pointed to a controversial online video sparking spontaneous violence. Although Panetta and Clinton have testified, so far Congress hasnt heard from the U.S. government personnel who survived the attack. By a 67-26 percent margin, voters think lawmakers should subpoena them if the State Department and CIA dont volunteer to let the witnesses be interviewed by Congressional investigators.The Fox News poll is based on landline and cell phone interviews with 1,009 randomly chosen registered voters nationwide and was conducted under the joint direction of Anderson Robbins Research (D) and Shaw & Company Research (R) from April 20 to April 22. The full poll has a margin of sampling error of plus or minus three percentag
d others that Russian officials contacted the U.S. government at least twice in 2011 with concerns about Tsarnaev, the Chechen who two years later would carry out last week's deadly bombing of the Boston Marathon, as an example of an instance that merits further investigation."In a string of apparent intelligence-sharing lapses, Tamerlan Tsarnaev was able to slip through the cracks and carry out this devastating attack," the senators said.Authorities suspect Tsarnaev, 26, and his younger brother, Dzhokhar Tsarnaev, of using improvised explosives to kill and maim runners and spectators near the finish line of the Boston Marathon. Three people were killed and more than 200 injured in the April 15 attack.Tamerlan Tsarnaev was killed days later in a shootout with police. His 19-year-old brother escaped but was captured alive Friday night and now faces a charge of use of a weapon of mass destruction that could carry the death penalty.The brothers immigrated to the United States about a decade ago with their family. Dzhokhar Tsarnaev became a U.S. citizen last year, but Tamerlan had not yet earned citizenship.Senators, after being briefed on the case Tuesday, said the U.S. government had "multiple contacts" with Russia about the older Boston bombing suspect, but those lawmakers wouldn't offer any more details.Fox News was told the FBI tried to determine if Tsarnaev had any ties to terrorism, but those efforts apparently proved inconclusive."W
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