Victor

I am going to refinance my home in order to remove my son (co-signer) from my current mortgage so he can buy his own home using a VA loan. I then started to wonder why would my current mortgage company refinance my loan from a nice 7% to a lower 5.5% rate?

How will my Mortgage company (Wells Fargo) benefit? And is it true that it is better to go directly to your current mortgage company to refinance or go to a completely different company.

additional info:

-I have been consistent on paying my mortgage

-never been late on payment

-stable job

I am planing to travel to china by land from the middle east. I will be in India but apparently there isn't a direct route from India. what countries have an access route on land to china?

how good was the new terminator movie? was it worth it?

How do people hedge against possible losses? I want to understand what do people mean when they tell investors to hedge against a possible drop in the markets?

Is it buying gold, placing a stop loss order or is it buying low yielding but secured tresury bonds/

What is your current stance in this market?

I am curious what economic factors will be important this week. Please say why it is important.

For example Im looking foward to see the results for GDP which will be released Wednesday April 29.

I am also looking at the restructuring changes being prepared by Chrysler in response to its April 31st deadline set by the Gov.

Thanks in advance.

Looking at the overal market what do you think will happen in the next few weeks.

I really don't need responses that don't have an opinion or people that use the phrase " I don't have a crystal ball...". If your bullish explain why. If you are bearish give support to your stance.

Since the new earnings season started today what companies should I look at to see whre the economy is heading?

Examples: Alcoa, BAC,C,BBY

Is this a short term rally? Or can this rally be substained in the long term?

How do you protect yourself in this volatile market?

What ETF's or equities are you using strategically in the short term.

And what stocks are you looking at the long term?

it's not really a question but a statement. any thoughts?

I read an article stating that the government will run the stress test on banks all next month. Supposibly the stress tests will be completed by no later than April. Do you expect to see financials trade radically or do you expect the market to weed out the banks that will not pass the test and trade steadily.

We have seen a declining stock market in the past sessions how confident are you with the stock market?

Will we see a new support within this month or maybe next month?

Which stocks do you think are going to move up or down on Tuesday or in the next coming days when markets open?

There are a lot of factors to consider such as: the stimulus bill passing, earnings reports for Walmart, Hewlett Packer and Deer Co.

Disney was the first of many media stocks reporting earnings these coming weeks. Disney reported dissapointing results missing estimates. Time Warner and NewsCorp are reporting earnings in a few days. I do have positions that will benefit if media stocks head down. But I am interested in hearing what you think will happen overall in the media sector?

Okay, people sometimes get out of touch with dating and the dating scene. Do you think online dating is a good choice or do you think meeting people in the real world is better.

p.s. I am serious with this question I want to know what you think. Later.