To put this in perspective, in October 2009, a low 5-year fixed mortgage rate was 4.34%. Two years ago the 5 year fixed rate was approximately 5.70%. Your mortgage payments would look like this: 2008 $500,000 - 35 Year amortization @ 5.70% = $2750.94 2009 $500,000 - 35 Year amortization @ 4.38% = $2304.74 2010 $500,000 - 35 year amortization @ 3.34% = $2020.37 A total savings of $730.57 per month or $43,834.20 for the 5 year term! With these low rates, now is a great time to consider refinancing your mortgage.If you need a mortgage over $500,000 you will save ...

seoClarity, the enterprise search engine optimization management and analytics platform, and SEMRush, the leading competitive research database today announced a partnership that integrates SEMRush's rich keyword and URL database with seoClarity's robust SEO analytics and Enterprise SEO Dashboard to allow unprecedented insights and a 360 degree view into every aspect of an enterprise's SEO efforts. While seoClarity has always provided a comprehensive view of a company's and competitors efforts (such as on-page optimization, link building and rankings), the SEMRush data ...

Despite the worldwide recession, plastic surgeons and cosmetic clinics have actually reported a rise in the number of liposuction procedures. According to a study by the International Society of Aesthetic Plastic Surgery (ISAPS), the most popular procedure performed in the United States is now liposuction. In 2009, liposuction made up 18.8 percent of all surgeries. This is a remarkable statistic and points to the simple fact that people are beginning to care more and more about how they look. With this way of thinking set to carry on, there is no reason why liposuction ...

Hair restoration has come a long way in recent years. Surgeons are more skilled and the techniques are far more advanced than ever before. By using these new and superior techniques, surgeons, such as those at Court House Clinics, can efficiently transplant new follicles into an area of the scalp suffering from baldness. Only a few hair follicles are needed for this procedure also which helps to maintain a natural look, so crucial to the surgery's success. New techniques and technologies are constantly revealing themselves in today's world. This is just as true in the ...

It's a scary thought - Halloween is only days away. The trick is to head to www.Milanoo.com for all your Halloween needs. The treat is that any Halloween orders over $50 receive a free gift. Shop for Milanoo.com Halloween supplies and one of two free gifts will automatically drop into your shopping cart. Gift one is the hot Naruto Kunai three knife set, while gift two is a Ninja Kunai knife - both normally $12.99. "There's a huge variety of scary Halloween costumes for adults and kids at the best prices" say Milanoo.com's customers. "There's no better time to say ...

JP Morgan Chase and GMAC have both suspended actions against homeowners in foreclosure cases across the country due to questions about the legitimacy of affidavits signed by bank officials. It is likely that other lenders will announce similar foreclosure freezes as the investigation into these actions continues. Florida has been one of 23 states affected by the scandal. The action in question is the use of robo-signers by several major lending companies. These robo-signers would regularly sign massive numbers of affidavits, assignments of mortgages, and other documents ...

The Federal Motor Carrier Safety Administration ("FMCSA") is very busy these days, as it considers implementing changes to the hours-of-safety ("HOS") rules governing the driving times and rest periods of drivers of commercial motor vehicles. This consideration has been long in coming. The present HOS rules, instituted during the Bush administration, made material changes to laws that had existed essentially untouched for decades. The rules increased the hours truckers may drive consecutively (from 10 to 11) and decreased from 50 to 34 hours the time required for a driver ...

Contested divorce, marked by a hyper-formal courtroom atmosphere featuring indirect spousal communication, dueling intermediaries and a third-party decision maker, has long been the dominant process for ending marriages in Virginia and elsewhere throughout the United States. Although it certainly works for some, for many others - couples with widely varying family, financial and other relevant circumstances - the attendant costs, both immediate and long-term, are being increasingly questioned. It is no small secret in American life that a litigated divorce outcome typically ...

The Federal Motor Carrier Safety Administration (FMCSA) has been working on revising trucking hours-of-service (HOS) rules for over ten years. During that time there have been several court challenges and at least three major revisions. Hours-of-service regulations limit how long commercial-motor-vehicle (CMV) drivers may drive. The HOS rules are intended to ensure truck drivers get enough rest to operate vehicles safely. Among other specifications, the current FMCSA regulations provide that CMV drivers carrying property may drive a maximum of 11 hours after 10 consecutive ...

A sharp uptick in the use of illegally obtained prescription drugs by residents of several southern states is being blamed on so-called "pill mills" springing up throughout Florida. Perhaps most troubling is that many of those taking advantage of readily available prescription drugs -- whether obtained from a pill mill (most often a "pain relief clinic" set up under the auspices of a legitimate treatment center but serving the sole purpose of writing prescriptions for powerful painkillers like OxyContin or Vicodin and relaxants like Xanax or Valium), bought one pill at ...

The Environmental Protection Agency (EPA) has postponed a public hearing in New York discussing a controversial type of natural gas drilling called hydraulic fracturing, or hydrofracking, due to concerns about crowd control. The postponed hearing will be the fourth and final hearing by the EPA on the subject across the U.S. Hydraulic fracturing is a process which opens fractures in rock formations to increase the output of natural gas or oil in wells. A mixture of water, sand and chemicals is injected at a high pressure into the formations which opens existing fractures ...

A $712.5 million settlement has been offered to rescue and recovery workers that were injured or killed while working at ground zero in the aftermath of the 9/11 attacks. The settlement offers $125 million more in compensation than the last offer, with attorneys' fees capped at 25 percent of the total amount. The Proposed Settlement Workers afflicted with respiratory issues within seven months of toxic exposure to airborne particles at ground zero are set to receive from $800,000 to $1.05 million in compensation. Wrongful death claims proven to be caused by operations ...

The medical world has long since recognized the high turnover rate of certified nursing assistants, or nurses' aids, as having a negative impact on long-term care. More than 70 percent of nurses' aids leave the job in a given year. Research shows that nursing homes with high turnover rates for nurses' aids also have a poor quality of care. The high stress levels causing the high turnover rate are caused by inadequate training, little support, poor benefits and minimal respect from management and superiors. Low wages are also a factor, with an average hourly pay of $10.48. ...

A new day is coming for people with mental illness currently living in nursing homes. According to the Los Angeles Times, a federal judge recently approved a historic agreement allowing thousands of individuals with mental illness to move from nursing homes and into supportive community settings. The agreement directly impacts approximately 4,300 Illinois residents with mental illness. They will be given the option to move from two dozen large nursing facilities called institutions for mental diseases (IMDs) to supportive community-based residences. The case began ...

A tug of war between the Drug Enforcement Administration and nursing homes has vulnerable nursing home residents caught in the middle. The New York Times reports the DEA has put a stop to easy nursing home access to powerful painkillers. The system allowed nurses, pharmacists and health care professionals to write prescriptions for nursing home patients. Generally only physicians have legal authority to write prescriptions. Nursing Home Residents in Distress The system was rife with abuse, prompting the new DEA rules. But now there's a dilemma: some nursing home ...

Due to the size and weight of their vehicles, truck drivers have to be cautious and operate their trucks in a manner that keeps safety at the forefront. The summer driving season saw a sharp uptick in commercial vehicle accidents in Connecticut, and Governor Jodi Rell has had enough. She recently announced a plan to have law enforcement officials with the state police and Department of Motor Vehicles aggressively pursue truck drivers who are not following the rules. While the cause of truck accidents is as varied as the vehicles involved in them, Governor Rell is concerned ...

In 2009, approximately 3.9 million fetuses were assessed with electronic fetal monitoring (EFM). EFM is, by far, the most common obstetric procedure in the United States. In fact, it is considered the standard of care to utilize EFM for the assessment of fetal heart rate patterns and uterine activity during labor. Hospitals in the United States spend millions of dollars annually to purchase the latest technology in EFM equipment and to train their nurses on the use of EFM's. The reason so much time and money is spent on EFM equipment and training on its use is because ...

Atlanta moving company Coast 2 Coast Moving & Storage has moved its headquarters. The Atlanta movers are now located in a larger office space in Norcross, GA. The move to the new location has not disrupted the company's Atlanta moving service in any way. On the contrary, the larger warehouse has allowed the Atlanta movers to better serve their moving and storage customers. "We have been contemplating this move for some time," explains Sharon Brown, an Atlanta moving consultant at Coast 2 Coast Moving & Storage. "Business has been thriving, and we had outgrown our ...

House of Fraser, the premium department store, has launched its winter 2010 footwear collection by Kurt Geiger group online. The Kurt Geiger Group offers affordable luxury shoes on the House of Fraser website. Customers can shop online to purchase this season's on-trend shoes from Kurt Geiger, KG by Kurt Geiger and Carvela. They offer the latest fashion and a variety of shoe collections inspired by the latest catwalk trends. Kurt Geiger's winter footwear collection focuses on three main trends. 'And God Created Woman!' celebrates all that is startlingly stunning ...

npower is treating its customers this Halloween with the offer of a free home electricity monitor for any existing customer signing up for paperless billing. What's more, households with a home electricity monitor, which provide a 'real time display' of the amount of electricity being used at any given time, are proven to reduce their energy consumption by up to 15%* in their first year of use. The limited npower smartpower offer will run in conjunction with its Revenge of the Killer Watts advert, starring Wallace & Gromit, which is back on screens again. The ...

Kuoni has launched its latest brochure for Caribbean holidays, with pages full of information on the laid-back and beautiful islands of the region, offering magnificent beaches and underwater paradise for divers. Summing up the new brochure, Sarah Jackson, Market Manager for the Caribbean at Kuoni, said: "Our new Caribbean and Mexico holidays brochure is bigger, brighter and full of great Kuoni Exclusives such as free nights throughout the islands, room upgrades, early booking discounts and fabulous new hotels and destinations." Cancun is included in the brochure ...

Russell Jones & Walker Solicitors is representing ten families of victims of the 7/7 London bombings at the ongoing inquest into the incidents, which began on 14th October 2010. The independent Coroner's Inquests into the London Bombings of 7 July 2005, which will be overseen by the Right Honourable Lady Justice Hallett D.B.E., will examine the details of the case and the lead up to the bombings on 7th July 2005 and have been welcomed by the victims' families, who continue to seek answers about the terrorist attacks more than five years later. 52 civilians were killed ...

Bestweddingaway launches new destination Mood to provide clients the opportunity to get married in Tuscany. Tuscany has been a popular tourist spot for centuries with the aristocracy using it as their playground and writers and artists taking inspiration for their next work of art. In fact the beautiful countryside and historic architecture is still popular with modern-day celebrities, with many famous people like musician Sting, best-selling writer Frances Mayes and 'Goodfellas' star Debi Mazar making Tuscany their home. With an undeniable attraction to both Italians ...

Over the years, casino craps has always been a fan favorite, appealing to gambling enthusiasts all over the world. As new generations arise, the need for a comprehensive guide to playing real money craps becomes more prevalent. Alleviating the requisite is RealMoneyOnlineCraps.com who has proudly announced the launch of its latest web site. The new site presents a wealth of resources devoted to all things relevant to playing real money online craps. To start things off, visitors will find an inclusive craps rules section that teaches new players how to play craps. ...

The official Allstate GLORY DAYS 25th Anniversary Reunion show will be hosted by comedian and entertainer Tom Dreesen. The 1985 Chicago Bears Super Bowl Championship winning team are reuniting for one night only to celebrate Chicago's Super Bowl XX win at the Arie Crown Theater on November 5th. The evening will be a mixture of storytelling and entertainment as the legends relive their glory days, as Coach Ditka puts it, "It's like a roast, only BIGGER!" Dreesen will be the Master of Ceremonies and host for the show, keeping the laughs coming throughout the evening. ...