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As many of you know, I am passionate about helping people increase their savings and reduce debt. For most people their biggest debt is their mortgage. That's why it's so important to take action when there are "windows of opportunity" - specifically when mortgage rates take a sudden, and often short-lived DROP. In the past month, mortgage rates have fallen nearly 1/2%! These types of sharp drops occur once in 18 to 24 months. So please read below and see if you should take action. That means you could have significant savings available if you act. 15 Yr. rates as low as 3.125% (No Closing Cost options ~ 3.5%) 30 Yr. rates as low as 3.75% (No Closing Cost options ~ 4.125%) FHA & VA Government rates are EVEN LOWER ! (No Closing Cost options below 4%) If you or anyone you know can answer yes to any of the items below: If Your Current Rate is Over 4.25%, Or You Have an A.R.M. ACT NOW ! If You Currently Pay Mortgage Insurance If You Currently Have an FHA Mortgage You May Be Able to Change and Save Then you should consider Switching to a 15 Yr. Loan to Save on Interest or consider switching from to a 30 Yr. Loan to Save on Cash flow. Remember - reducing your rate by 1/4% for NO COST can save you 2 years of mortgage payments! Visit www.YouCanRefi.com to learn more information on this extraordinarily rare opportunity.

Taxes are probably the most unpleasant aspect of personal finance. However, just because you do not like thinking about how much you must pay in federal, state, and local taxes every year does not mean that you should avoid the subject.

If you pay little or no attention to the tax consequences of every financial move you make, you will certainly owe the government more money, not less. On the other hand, if you learn the basic tax-saving strategies, you can maximize the amount of money you spend and invest while you minimize your tax bite.

Combined with the tips, techniques and action strategies included in the other sections of this report, you can learn how to micro-manage your funds so that your money multiplies itself.

Read on and reap the financial rewards!