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THE PEBBLE - 05/11/04 - No Cost?Refinancing Worth It?
YOUR DAILY CHUCKLE and MOTIVATION - ENJOY!
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THE PEBBLE is the most popular newsletter
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Start your day with THE PEBBLE
Welcome to THE PEBBLE for May 11, 2004
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TODAY'S TRIVIA - - -
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Do chimeras and hybrid animals pass on their combination
traits to their own offspring?
What animal's heart beats only nine times per minute?
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ANSWERS TO YESTERDAY'S TRIVIA - - - -
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What is a geep?
It's what you get when you combine a sheep and
a goat. Seriously. Sheep/goat combinations are
actually the most common kind of chimera. But
some other strange combination animals have also
been made, including the cama (camel/llama).
Chimeras are made possible by the fact that fertilized
eggs go through different stages as they divide to
become an embryo. In the earliest stage, the cells
have not yet begun to differentiate into the various
types of cells (bone cells, blood cells, brain cells, and
so on). Embryos only a few days old can thus be cut
in half or manipulated and still mature into normal
animals. (Human identical twins, in fact, come from
a single fertilized egg that has divided into two at this
early stage.) "Geeps" are made by combining a
four-cell sheep embryo with an eight-cell goat embryo.
The cells develop into a single animal. The embryo
is then implanted in a surrogate mother. The chimera
will have traits associated with both animals.
Can lions and tigers produce offspring together?
They can - WITHOUT scientific intervention. Lions
and tigers do not naturally roam the same habitats,
so human intervention IS needed to bring them together
(like in zoos). But the big cats, once introduced, can
produce baby "ligers" or "tigons" without further human
assistance. The offspring are called ligers or tigons,
depending on which species was the mother.
What other hybrids are possible?
Other strange hybrids are possible as well, including
the "zorse" (a cross between a horse and a zebra), a
"zonkey" (cross between a zebra and a donkey), and the
"wholphin" (a cross between a false killer whale and
a bottlenose dolphin).
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I'LL SEE IT WHEN I BELIEVE IT!
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There are a lot of ways to become a failure,
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CONTENTS:
1. STRANGE BITS AND PIECES!
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2. TITLE ARTICLE - - -
Are the Costs of No Cost?
Refinancing Worth It?
by Craig Romero
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3. COMPUTER TIPS by Patsy Norlie
Word 2000
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4. MEDICAL COLUMN by Karin Henderson
Personal Infection Control
Making Sure You Are Healthy Enough
To Withstand Unhealthy Conditions
PART 4 of 9
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5. THE SAGA OF PINEHILL by Ken Darby
At the fire.
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6. OBSERVATIONS OF OUR BUSINESS
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7. THINK ABOUT THIS TODAY!
8. HA! HA!HA!
9. CONTACT INFO
10. THE LAST LINE - - - - -
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Learn how our Internet Marketing Package
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LOOK FOR TOMORROWS EVENTS - - -
Pinehill - The next day
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STRANGE BITS AND PIECES!
by Gauher Chaudhry
http://www.amusingfacts.com
An adult giraffe's kick is so powerful that it can decapitate
a lion.
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TITLE ARTICLE - - -
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Are the Costs of ?No Cost?
Refinancing Worth It?
by Craig Romero
Homeowners looking to refinance are being hit with
the option of no cost?refinancing. It is extremely
appealing to homeowners who do not have the cash
on hand to pay the costs of conventional refinancing
or refinancing through an upfront mortgage broker.
But does no cost?refinancing actually come with
no cost to the borrower? Not always. When the big
picture is taken into account, some ?no cost? refinancing
actually has costs that are pretty steep, but well hidden.
Most no cost financing options will have you paying
1/2 a point to 5/8 of a point more in interest than you
would with a full-cost loan.
Is there ever a good reason to take advantage of a
no cost?refinance? Yes, if the interest rate you are
paying now is significantly lower than the current ?
no cost?refinance rates. You may also want to
consider this type of financing if you plan on being
in the house for a short period of time, say from one
to three years. If you are not sure how long you are
going to be in your home, it is still okay to pursue a
no cost loan, and if you wind up staying in the home
for a long period of time, you can refinance at a
later date.
For borrowers who are considering a no cost
refinance because they can not afford the costs to
refinance, dig a bit deeper. Many times when you
refinance you can roll the costs of your refinance
into your loan, enabling you to refinance without a
large amount of money up front.
If you do decide to opt for a no cost refinance, make
sure that you are truly getting a no cost, and not a
hidden cost. With a no cost loan, you will not be
paying the lender fees or settlements; the lender
pays for these without increasing the cost of your
loan. You will however be responsible for per diem
interest and escrow costs, though your escrow
costs will be credited at closing by your old lender.
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Craig Romero is an author and mortgage analyst
dedicated to helping homeowners maximize the
investment in their homes. Discover how to quickly
build a minimum of $40,000 worth of home equity
and pay your mortgage off in 10 years or less
without making biweekly mortgage payments.
Visit: www.wisemortgageinfo.com
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For a spiritual journey to live as your Maker wants
http://www.spiritual-underground.com
Find information and knowledge that, while in plain
sight, has been hidden from man for centuries. If you
are on "the path" this is for you.
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COMPUTER TIPS - - -
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Word 2000
Word 2000 is usually in Insert mode. That means that
any new text you type is inserted just before the blinking
toothpick cursor. The new stuff pushes any existing text
to the right and down as you type. This is Insert mode.
In Overtype mode, all the text you type overwrites the
existing text on-screen, replacing it as you go.
To switch to Overtype mode, press the Insert key on
your keyboard.
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Thanks for your TIP today, Patsy!
Patsy can be reached at patsyy777@aol.com
E-MAIL Processors needed Immediately
go to http://www.freewebz.com/patsyy777
Save on Gas at the Pumps, go to
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Poor is the man who fails in persistence.
---- Ken Darby
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MEDICAL COLUMN - - - -
Personal Infection Control
Making Sure You Are Healthy Enough
To Withstand Unhealthy Conditions
PART 4 of 9
Viruses cause more systemic problems and may affect
the liver and the overall body. Examples would be
shingles, hepatitis, and AIDS. Fungi invade the skin
and mucous membranes. (They love the warm moist
atmosphere!) Examples of common fungal infections are
athletes foot, thrush, Valley Fever, vaginitis. Protozoa are
relatively infrequent invaders to many people, but when
they occur, they cause a lot of damage. They are found
mostly in water supplies but they also occur in the
digestive tracts of some animals. And these can be
directly transmitted to humans. An example of a
water-borne protozoan infection is Giardiasis.
An example of a digestive invader infection is
Cryptosporidiosis.
Most of us are exposed unwittingly or unknowingly, so
you only become aware of a problem when symptoms
appear. How can you prevent them from affecting you
negatively. What do you look for?
Let's look at a cycle of infection. It is important to note that
although it SEEMS hopeless, you do have a lot of control.
You can take preventative measures once you recognize
that you may have come in contact with the "invader". At
each step of this cycle there is an opportunity for you to
halt the spread of microorganisms. And that will most
likely prevent further infectious spread to others. But it
does require some action on your part. First of all you
won't know what to do if you don't recognize the "risk".
So become aware of high-risk areas. They would include
schools, offices, public places, and medical clinics (very
obvious) to name just few. Be aware of any place where
people gather and the microorganisms can go from person
to person quickly. And remember that air currents and
body heat make this even easier to spread. (All I'm doing
now is raising your awareness levels.)
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Karin Henderson is a registered nurse and is THE
PEBBLE®'s columnist for our MEDICAL COLUMN.
We appreciate her input very much. Thanks Karin.
You can send Karin questions at
mailto:kflh@prescotts-inc.com
Health Information Newsletter.
http://www.prescotts-inc.com
DO YOU PRACTICE SCOTCHING?
Remember send any email to -
mailto:scotchingkar@rr-email.com
There are no follow ups - this info is just for you.
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THE NET'S BEST KEPT SECRET
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THE SAGA OF PINEHILL
by Ken Darby
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Eloise Henry, age 18 when the story began, and
David Wylie, age 20, were selected, by a
stranger in town, to take a dangerous trip, together.
The idea was that each was to take only the clothes
on their back, and go anywhere in the world where
the stranger took them. They were to be left there
to find their own way home. They had no money,
no identification, and no idea where they were.
Upon their safe return there was a million dollars
waiting in their bank account for them. If one did not
make it that money would go to the survivor. If neither
made it the money would go to their families.
The story deals with their adventures along the way
and leads into the only way they could survive. That was
for Eloise to learn higher law and commit her life to
that end. Along the way she learns how to perform
many a miracle.
The story leads to many friends, many adventures
and many places. As you read on, enjoy. It continues . . . . . . .
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For those who like the thoughts and ideas proposed
in this story, you might like to subscribe to
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Many, many thanks to those of you who support this
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Eloise took time to sit back and look. She was
amazed. In the short span of about five years the
number of her friends that now live by higher law
had grown considerably from the humble little
start in the jungle.
"Some growth, isn't it?" came the question into
her mind, from Sien.
"Wonderful isn't it?" she replied.
"I guess sering as an example, then helping
without thought of getting anything in return is a
way people feel easy with. Those who don't trust,
because they think everybody is after something,
just take a little longer." responded Eloise,
mentally.
"That's the way it has always been. Those who
greedily serve their own agenda compete severly
with the truth as Jesus and others have taught.
The only way we are able to reach most people is
one on one. The church, governments, businesses
and even all the worlds school systems are against
the way Jesus taught. They all say 'That is all
well and good. It all sounds very nice, but you
better prepare, just in case.' and then a person
soon becomes lost in that 'preparation'. While
they know not what they do they will sure fight
for their way." replied Sien.
"The only way the world will see is for each of us
to serve as we have. Then, in the centuries ahead
our numbers will be sufficient to show the world
alternatives they will choose of their own free
will and volition. Interesting, and devastating
isn't it how money can seduce? Interesting how it
blinds people. What I find interesting is how the
church controls so many through false teachings.
It is very much the blind leading the blind." said
Eloise, again mentally projecting the thoughts to
Sien.
The pair of them carried on this conversation for
quite a while, just sitting back gently and
watching the rest of the group.
Those in the group who, this day, had accomplished
higher law were in heavy conversation with those
who were already masters. They were all attempting
to learn how to use this new power benevolently so
as not to have the law cause them to create a
condition that would come back and harm them. Thus
they would serve mankind with love, knowing all
the while they were not creating conditions of
harm to themselves or mankind.
"It has been a while since I have seen such an
animated group. This type of mass accomplishment
does not happen very often. It happens only where
the hearts have been prepared. It is only those
who are prepared to give, in the service of
mankind, that have the ability to 'see' through
the veil of simplicity. All others measure who and
what they are by their possessions, saying 'See I
must be doing right, I must be smart, see what I
got.' and they carry on leading as many as they
can into a darker abyss." Sien spoke out loud.
"May I join this conversation?" asked Mazunta.
"Certainly." said Sien, "Tell me, how is that
little girl of yours?" all the while knowing.
"She is wonderful, growing like a weed and
learning much every day. It is thrilling to watch
how her mind grasps things. She's her daddy's
little girl. She's the only one who can twist him
around her little finger as if he were putty. She
has him under her spell, completely." laughed
Eloise.
Both Sien and Mazunta laughed, too.
"She's right. That little girl has more power than
she realizes. What a wonderful opportunity, having
children." responded Mazunta.
"Yes it is. If the world would only know." said
Sien.
"Already she is acting as if higher law was the
norm. She seems to think that, like Mom and Dad,
that is the way things are actually done, that
there is no alternative that man offers. I will
have to train her in the ways of the world, in
order that she knows the value of higher law. She
will have to witness the needless struggle of man
to appreciate the value of her talents and
abilities." said Eloise.
"As you know, that is a good idea, yet do not
overlook the importance of the law. She must know
'As ye sow, so shall ye reap.' for that alone will
protect her." Sien knew little AliAnn would be
taught that law so well she would have it
emblazened on her mind.
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THE SAGA OF PINEHILL is a serial we run daily.
Be sure to read your PEBBLE® to catch up on
what is happening.
TOMORROW - - - The next day
GET THE SAGA OF PINEHILL, all the books in
the series by affiliating with THE CORNERSTONE
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OBSERVATIONS OF OUR BUSINESS
Since beginning the Project 2003 item, many of you have
become interested in following what we are doing in our
business.
It is a way of seeing some of the good things and not so good
things that happen to us along the way.
While it may not replicate your story, neither may it be replicated
by you, it does keep you updated on some of the trials and
tribulations of doing business on the internet.
We thought we would keep it up.
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TODAY'S REPORT:
I took the day off folks, been working too hard. Thanks.
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THINK ABOUT THIS TODAY!
"Make a total commitment to your company, your job,
and your career. Uncommitted people have no future."
---- Brian Tracy
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HA! HA! HA!
CATS:
Women love cats. Men say they love cats, but when
women aren't looking, men kick cats.
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- Some days, it just doesn't pay to gnaw through the
leather straps!
Fire investigators on Maui have determined the cause
of a blaze that destroyed a $127,000 home last month -
a short in the homeowner's newly installed fire prevention
alarm system. "This is even worse than last year," said the
distraught homeowner, "when someone broke in and stole
my new security system..."
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THE LAST LINE - - - - -
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(This is the PROJECT 2003 program)
REMEMBER! - IF YOU SEE IT IN THE PEBBLE® - IT IS SO!
Poverty belongs to those who believe it.
---- Ken Darby
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--------------------
© 2004 thePEBBLE® PUBLICATIONS
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