For the last two years, interest rates have been much lower than anytime during the last thirty years. This has resulted in an unprecedented boom in real estate sales, home refinancing and home equity lending, as borrowers try to take advantage of these rates for the long term. But refinancing or even borrowing against your home’s equity may not make sense for everyone. When is it a good idea to refinance your home? When is it not advisable?

Traditionally, lenders advised homeowners not to refinance unless doing so would lower the interest rate on the loan by 1-2%. While anyone who can save 2% on their interest rate would almost certainly benefit from doing so, others might find refinancing worthwhile even with a smaller reduction in the interest rate. Increased competition among lenders has brought the costs of refinancing down in recent years, so homeowners can realize a significant reduction in their home payments with reductions of

Sir Isaac Newton knew about the Bible code 300 hundred years ago when he described it as “a cryptogram set by the Almighty.The riddle of the God-head, the riddle of past and future events divinely fore-ordained.”

Newton was captivated with the idea that the Torah could contain a code that could foretell future events, but until the invention of the computer the task of deciphering this code was almost impossible. But “The Bible code had a time-lock. It could not be opened until the computer was inventedThe Bible code is like a giant jigsaw puzzle, and we have only a handful of the pieces.”

Journalist and reporter formerly for the Washington Post, Michael Drosnin, and Dr. Eliyahu Rips, a famous Israeli mathematician, explain their search for the Code Key that will decipher the Bible code. Like the Rosetta stone found at the mouth of the Nile 200 years ago, perhaps the code key would unlock the language of all mankind. Rips describes the structure of the Torah as a three-dimensional cylinder that “you just lay flat like a map” to read it, and “by eliminating “…all the spaces between the words, and [restoring] the Bible to the original form…the way Moses received the Bible from God - contiguous, without break of words” he is able to decipher the code using a computer program that he wrote.

In a gripping personal testimony of his search for the truth, Drosnin awakes us to the possibility that our future is already written. But if it is

Epic is a well-known manufacturer of budget priced treadmills. Epic treadmills are competitive in the lower priced treadmills that can be purchased from various manufacturers. Epic provides average quality treadmills in their price range, but Epic does not compare with the higher priced treadmills as far as durability and available features. There are several different models that are produced by Epic and are typically sold at discount retailers. For an infrequent user who requires only minimal stability and number of features, Epic can be a good value. If you are more serious about the training you do on your treadmill, Epic will most likely not be of sufficient quality to meet your needs.

The Epic t60 is one of the more popular models sold by this manufacturer. The Epic t60 provides users with reasonable quality in the $500 to $1,000 price range. There have been some problems associated with the rollers and keypads, but for the price the Epic t60 is a good buy. Epic treadmills generally offer an outstanding 12-year warranty on the motor, but only 90 days on the rest. Epic does offer features such as the ability to design a personal workout and may include a stereo, depending on the model you choose. Epic treadmills are definitely convenient and can be stored in a small space after use.

For the price, Epic treadmills are reasonably dependable and will last for a fair period of time. Before purchasing an Epic treadmill, investigate other brands and research the various models that