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In the past decades, it was believed that a home loan mortgage refinance is a mortgage loan no matter whichever is chosen. But this theory is not workable anymore because of the many mortgage loan products available in the market. So, before choosing a mortgage loan, it is very important to decide which one is right for you. Finding the right mortgage loan means balancing your mortgage options with your housing requirements and financial picture, now and in the future. Also the right mortgage is not just having the lowest interest rate but much more than that. And this “much more” will be determined by your personal situation.

Your personal situation and your limits to pay for monthly mortgage payments can be evaluated by answering the following questions:

What is your current financial situation (including income, savings, cash reserves and debt to cash ratio)?

How you expect your finances to changeover in the coming years?

Have you plan to return the mortgage loan before retirement?

How long you intend to keep your house?

How comfortable you are with your changing mortgage payment amount?

The answers to these questions will give you the idea of your financial position. Now the next step is to decide two key options:

Mortgage length

Type of interest rate (fixed interest rate or adjustable interest rate).

The length of home mortgage loan can be minimum 15 years; can be 20, or at maximum 30 years. While selecting a fixed or adjustable interest rate you should be aware of the facts that the adjustable interest rate mortgage is more risky because the interest rate will change, while a fixed rate loan offers more stability because of the locked in rate. You will be able to pay off a shorter term loan more quickly, but your monthly payments will be substantially higher. Long term fixed rate loans are popular because they offer certainty, and many people find that they are easier to fit into their budget. Although, in long run they will cost you more, but you will have more available capital when you need it, and you will be less likely to default on the loan should an emergency arise.

In the light of above mentioned aspects, it is clear that the key to select the right mortgage loan for your needs should fit comfortably into your entire financial picture, that is having payments within your budget and comfortable level of risk connected to it.

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article by : Andy - run and owns Home Loan Mortgage Refinance website.

Giant Bird Pics


There is a story that in April 1890, two cow-boys in Arizona killed a giant bird-like creature with an enormous wingspan. It was said to have had smooth skin, feather-less wings like a bat and a face that resembled an alligator. This description has obvious similarity to that of a prehistoric pterodactyl, a creature which was known at the time. They dragged the carcass back to town, and it was pinned, wings outstretched across the entire length of a barn. A picture of this event may have been published in the local news-paper, the Tombstone Epitaph. It should be noted that Cryptozoology.com has an account of this story with the events taking place in the state of Texas.

According to Mark Hall, the Epitaph did indeed print a story about the capture of a large, unusual winged giant bird creature, on April 26, 1890. Beyond this single story, however, no one has made historic corroboration that this event ever occurred; it is usually considered an urban legend. Utterly fictional tall tales were not an uncommon feature in newspapers during this era.

No one has ever produced a copy of the "thunderbird" photograph, though numerous people, Ivan T. Sanderson being one of the better known, have made claims to its existence. Sanderson claimed to have once owned a copy of the photo, which vanished after he loaned it to an acquaintance in the 1960s. The television program Freaky Links staged a similar photo, giving new life to the "Thunderbird Photograph" legend.

The Steve Irwin Tribute


The Steve Irwin Tribute

What is Bigfoot


There have been reports and stories of hairy giants that date back before Europeans ever set foot in North America. Bigfoot/sasquach are believed by most researchers in the field to be a Great American Ape. They range in size from approximately 7 to 12 feet tall and weigh from 300 to 900 pounds or more. They have hair lenght that is about 3 to 12 inches long and range from black, brown, red, or grey in color and in some reports white. They are believed to reach maturity at about the age of 10 years old and have a lifespan of about 30 to 50 years. Adult male footprints measure 15 to 20 inches long and 6 to 10 inches wide.
Bigfoot sightings indicate they are present in most states within North America and Canada.
Their diet seems to vary greatly with whatever is available to them in their environment. Their diet may consist of several things such as deer, dogs, cats, pigs, calves, fish, corn, cane shoots, nuts, berries, mushrooms and may even raid dumpsters or outdoor freezers. Deer and beaver carcasses arranged in orderly fashions in the woods indicate Bigfoot may keep a cache of food at times. In the winter they may eat large quantities of deer hearts and livers which are high in protein and essential nutrients. Deer are sometimes found with thier front leg/s broken.
They are usually more active from dusk till well after midnight. It is believed that they have sight which is 4 to 5 times greater than humans and are adapt for seeing at night. They are usually spotted dashing for cover or when taken by surprise. They blend in with their surroundings very well and are reported to remain very still until they are aware that they have been spotted, at which time they usually move on.
They tend to leave little behind in the way of physical evidence, some researchers believe this is a deliberate attempt to elude humans. Although evidence is hard to come by, there are things to look for. Footprints, scat, hair, caches, carcasses, and shelters have all been linked to the existence of the hairy guy. Some people also believe that they leave "totems or markers" behind that may consist of small or larger trees broken and placed in deliberate patterns. These totems may mark their area or give indications to direct other Bigfoot passing through the area of information.
Communication has been reported by these animals. They have been believed to mimick other animals and to scream, hoot, and growl. They also have been known to communicate by wrapping sticks against trees. They usually carry a stench with them which has been described as that of musky, wet animal or rotten. Some researchers believe that this smell may be emitted by glands whenever they are stressed (such as when stumbling upon a human).
Elaborate shelters have been found that hint at their intelligence level. These shelters have intricate weaves of sticks, logs, and leaves which provide moderate shelter from the elements. Other shelters suspected to be used as well are caves, abandoned barns, houses, mines, bridges, etc.
Territorial behavior patterns seem to reflect that of some other primates in some situations. They sometimes demonstrate curiosity by throwing rocks or sticks near a person to see the reaction of the person. They may try to intimidate a person who invades their immediate space by standing out in the open to show themselves. It may also vocalize to a person with an alarmingly powerful scream. The general behavior of these creatures is nonviolent and ellusive.
There is a lot that we may never know but, it sure is fun trying to figure it out!

History Of BigFoot


An apelike creature reportedly sighted hundreds of times around the world since the mid-19th century. The creature is variously described as standing 7-10 ft (2-3 m) tall and weighing over 500 lb (225 kg), with footprints 17 in. (43 cm) long. The creature goes by many names, but in northern California it is known as “Bigfoot.” (It is also known as the Abominable Snowman of the Himalayas, Yeti or Meh-Teh [Asia], Mapinguari [the Amazon, where descriptions match that of a giant sloth thought to be extinct*], Sasquatch, and Yowie [Australia]). The creature is big business in the Pacific Northwest along a stretch of US-101 in southern Humboldt County known as the Redwood Highway. Numerous shops line the roadway, each with its own Bigfoot chainsaw-carved out of majestic redwood. Most scientists discount the existence of Bigfoot because the evidence supporting belief in the survival of a prehistoric bipedal apelike creature of such dimensions is scant. One notable exception is Grover S. Krantz (1931-2002), an anthropologist at Washington State University. For nearly forty years, Krantz argued for the probable existence of Bigfoot,* but was unable to convince the majority of scientists. The evidence for Bigfoot’s existence consists mainly of testimony from Bigfoot enthusiasts, footprints of questionable origin, and pictures that could easily have been of apes or humans in ape suits. There are no bones, no scat, no artifacts, no dead bodies, no mothers with babies, no adolescents, no fur, no nothing. Not that there aren't "sightings" of such. There are "sightings" galore. Just check The Bigfoot Field Researchers Organization's website for an uncritical list of sightings. However, there is no evidence that any individual or community of such creatures dwells anywhere near any of the “sightings.” In short, the evidence points more towards hoaxing and delusion than real discovery. Some believers dismiss all such criticism and claim that Bigfoot exists in another dimension and travels by astral projection. Such claims reinforce the skeptic’s view that the Bigfoot legend is a function of passionate fans of the paranormal, aided greatly by the mass media’s eagerness to cater to such enthusiasm. In addition to the eyewitness testimonials of enthusiastic fans, the bulk of the evidence provided by proponents of Bigfoot consists of footprints and film. Of the few footprints available for examination in plaster casts, there is such great disparity in shape and configuration that the evidence “suggests many independent pranksters” (M. Dennett, 1996). Probably the most well-known evidence for belief in Bigfoot’s existence is a film shot by Bigfoot hunters Roger Patterson and Bob Gimlin on Oct 20, 1967, at Bluff Creek in northern California. The film depicts a walking apelike creature with pendulous and hairy breasts. Believers estimate its height at between 6' 6'' and 7' 4'' and its weight at nearly one ton. Non-believers make more human-sized estimates and consider the "beast" to be a costumed hoaxer. Over thirty years have passed, yet no cryptozoologist has found further evidence of the creature near the site except for one alleged footprint. The North American Science Institute claims it has spent over $100,000 to prove the film is of a genuine Bigfoot. However, according to veteran Hollywood director John Landis, “that famous piece of film of Bigfoot walking in the woods that was touted as the real thing was just a suit made by John Chambers,” who helped create the ape suits in Planet of the Apes (1968). Howard Berger, of Hollywood’s KNB Effects Group, also has claimed that it was common knowledge within the film industry that Chambers was responsible for a hoax that turned Bigfoot into a worldwide cult. According to Mark Chorvinsky, Chambers was also involved in another Bigfoot hoax (the so-called “Burbank Bigfoot”). According to Loren Coleman, however, Chambers denied the allegations about the Patterson hoax in an interview with Bobbie Short and claimed that Landis had in fact started the rumor about him (i.e., Chambers) making the suit. Apparently, Short did not ask Chambers about the “Burbank Bigfoot” incident, nor did he interview Landis for his version of the story (Chorvinsky 1996). Short and Coleman remain convinced that the film is not of a man in an ape suit but is footage of a genuine Bigfoot. In 2004, Greg Long claimed that the Bigfoot in the Patterson film is indeed a man in a gorilla suit, but the man is Bob Heironimus, a retired Pepsi bottler from Yakima, Washington, and the suit was made in North Carolina for Patterson by a man named Philip Morris.* Bob Gimlin, Patterson's associate, issued an ambiguous statement through his lawyer in Minneapolis: "I'm authorized to tell you that nobody wore a gorilla suit or monkey suit and that Mr. Gimlin's position is that it's absolutely false and untrue." What's absolutely false and untrue? According to David J. Daegling and Daniel O. Schmitt, “it is not possible to evaluate the identity of the film subject with any confidence” (Daegling 1999). Their argument centers on uncertainties in subject and camera positions, and the reproducibility of the compliant gait by humans matching the speed and stride of the film subject. According to Michael Wallace, Bigfoot is a hoax that was launched in August 1958 by his father Ray L. Wallace (1918-2002), an inveterate prankster. Shortly after Ray’s death, Michael revealed the details of the hoax, which were reported widely in the press. Ray had a friend carve him 16-inch-long feet that he could strap on and make prints with. Wallace owned a construction company that built logging roads at the time and he set the prints around one of his bulldozers in Humboldt County. Jerry Crew, a bulldozer operator, reported the prints and The Humboldt Times ran a front-page story about “Bigfoot.” The legend was born. However, a former logger, 71-year-old John Auman, claims Wallace left the giant footprints to scare away thieves and vandals who'd been targeting his vehicles. His hoaxes didn't begin until after he'd seen what a stir he'd created. Over the years, Ray Wallace produced Bigfoot audio recordings, films, and photographs. At one time, he even put out a press release offering $1 million for a baby Bigfoot. He published one of his photos as a poster depicting Bigfoot having lunch with other animals. He also published photos and films of Bigfeet eating elk, frogs, and cereal. Michael Wallace claims that his mother told him that she participated in some of the pranks and had been photographed in a Bigfoot suit. Chorvinsky claims that Ray told him that the Patterson film was a hoax and that he had alerted Patterson of the sighting at Bluff Creek. According to Chorvinsky, Ray knew who was in the Patterson suit, but said he had nothing to do with it (Young, Bob. 2002. “Lovable trickster created a monster with Bigfoot hoax,” The Seattle Times, December 5). The news of Wallace’s 1958 hoax did not daunt Bigfoot enthusiasts such as Loren Coleman or Idaho State University anatomy professor Dr. Jeff Meldrum, who has casts of 40 to 50 big footprints. Coleman asks Why is the testimony of an admitted liar, now being feted by a skeptical magician as the truth, having the newspapers believe it all? The media mixing of the lies and rumors with a few facts in the Wallace story is pushing this one to the edge. This is Ray Wallace's ultimate hoax and bitter seed. Meldrum believes such a large number of casts couldn’t all be hoaxes (ibid.). The same has been said about the large number of crop circles, but it appears that hoaxers are not deterred from their activities by the belief that their numbers are small.

The Song of the Alien Greys


This article, from yesterday’s issue of Britain’s Sunday Times newspaper, is quite timely. Its subject matter: the possibility that by searching for alien life we may actually cross paths with hostile ETs who may ultimately prove to be our downfall.

Coincidentally, I have, over the past few weeks, intended bringing to your attention a book titled The Song of the Greys, which was written back in 1997 by Nigel Kerner. A copy of the book was sent to me some time ago by Danielle Silverman, who worked on the project.

I say “coincidentally” because, as with the Sunday Times’ article, The Song of the Greys offers a distinctly disturbing intent, and warning, behind the agenda of the ubiquitous Greys of UFO lore.

Indeed, this is not a book that will sit well with those who are of a mindset suggesting that those pesky little Grey chaps are here to help us, to save the rain-forests, to cure cancer and/or to invite us to join some everlasting Cosmic Brotherhood where all is eternally well and everyone is blissfully happy. Nope, not at all.

Rather, The Song of the Greys is the stuff of nightmares.

I will not give away the whole story for those that haven’t read the book and who, after reading this post, may want to. But I will say this:

The reader will find certain things within the pages of The Song of the Greys that echo the words of Whitley Strieber in his abduction-related books: such as the claims that the Greys appear to have some understanding (and a deep one, too) of the afterlife, they seem to be very interested in the nature of the human soul, they have been with us for a very long time, they have possibly manipulated our affairs and development for countless centuries, and the image of them simply being alien scientists on a scouting mission from some far off world is completely and utterly wrong.

Yet, whereas Strieber’s books chiefly place the visitor phenomenon in a positive light, The Song of the Greys is, as the book’s cover blurb states: “The dark side of alien visitation.”

The essential thrust of the book is that the Greys are cold, ancient creatures: clone-like entities who, more than anything else, seek to understand and harness for their own ends the human soul. And, needless to say, none of this is good news for us, as a species.

Quite literally, the Greys are soul-less, in Nigel Kerner’s hypothesis. However, they realize that the Human Race does possess a soul and that life goes on after physical death. As a result, they are seeking to use us and to manipulate us (genetically, emotionally, physically and much more) in an effort to provide them with the one thing they lack: souls of their own. Precisely what motivates them, I will let you discover for yourselves…

The book delves deeply into the issue of how such soul-stealing, or manipulation at least, may occur. It reveals a great deal about sinister creatures with equally sinister agendas that many within the UFO community will find unsettling (but, hey, there’s nothing wrong with that - the subject needs shaking up).

And it delves into areas of profound interest: (a) ancient texts, beliefs and religions; (b) the possible nature of an afterlife and how and why the Greys came to infiltrate, manipulate and ultimately farm our civilization for nefarious purposes; (c) how the UFO community has been utterly deceived by these devious beings; and (d) the way in which certain people in the official world, deeply aware of the truth behind “alien visitations,” have sought to keep the unsettling facts from us.

Has Nigel Kerner cracked the secret of the Greys? Frankly, I don’t know. I do know, however, that his views are most definitely shared by certain persons who worked in the Pentagon, the US Air Force and the Defense Intelligence Agency and who suspected as much as far back as the 1970s.

I also know that in our search for the truth about the Greys we should not ignore those possibilities that some might see as frightening and/or controversial.

The Song of the Greys may very well radically shift your perspective on the UFO presence, the nature of alien abduction, and the Grey intent.

Charles Fort’s famous words, “We are property,” may have been closer to the truth than he could ever have imagined…

Sheep Form Circle


About 100 woolly sheep formed a perfect ring while grazing in a field in England on Friday, baffling the farmer and other witnesses, the Daily Mail reports.

"I couldn't believe what I was seeing," said Russell Bird, who photographed the bizarre occurrence.

He continued: "I did see a dog worrying sheep nearby beforehand and the dog ran off round the hedge in a different field, so I don't know if they were discussing that."

As the farmer’s tractor approached, however, the sheep scattered, but another circle was formed three fields away. Both formations lasted about 10 minutes, the Daily Mail reports.

Farm manager at Herefordshire College of Technology, Dan Seaborne, said: "I just think they've been fed with dry feed in that shape; you can get snacker feeders now and you tow behind a quad and it drops pellets on the ground."

BIGFOOT PRANK ALMOST RESULTS IN TRAGEDY!


BIGFOOT PRANK ALMOST RESULTS IN TRAGEDY! December 12, 2007 - WTVY NEWS of Alabama has reported that a teenager wearing a BIGFOOT suit alarmed several residents, who armed themselves with shotguns and headed to where the prank was taking place. The pranksters, ranging in age from 18-to-23, were given a warning. Sheriff's officials say those involved in any copycat incidents will face reckless endangerment charges. This incident comes on the heels of recent HAIRY HOMNID sightings in the area.

Clintons played the cryptozoology card!


According to the Associated Press, Bill Clinton speaking in Macon, Georgia, on Monday, January 21, 2008, played the cryptozoology card!

The AP is reporting: “Bill Clinton doesn’t want to become the White House’s Sasquatch.”

The news service noted the former president says it would be a mistake for him to have a specific job if he were to return to Washington D.C. with a new Clinton administration.


In remarks to reporters, Clinton said:




I’d be like the Abominable Snowman. I’d be Bigfooting everybody even if I tried not to. There’s almost no way you can avoid that. Whatever I do should be totally transparent.
Bill Clinton, January 21, 2008.


Asked if he would live in the White House, Clinton said, “I would anticipate being there, unless you know something I don’t.”

What do you think Clinton meant by “Bigfooting” everyone?

What is obvious is the Clintons are after the cryptozoology vote now too ~ just as they were in pursuit of the ufological one in the past.

American Bigfoot



Though sightings of the North American Bigfoot date back to the 1830s (Bord 1982), interest in Bigfoot grew rapidly during the second half of the twentieth century. This was spurred on by many magazine articles of the time, most seminally a December 1959 True magazine article describing the discovery of large, mysterious footprints the year before in Bluff Creek, California.
A half century later, the question of Bigfoot's existence remains open. Bigfoot is still sought, the pursuit kept alive by a steady stream of sightings, occasional photos or footprint finds, and sporadic media coverage. But what evidence has been gathered over the course of fifty years? And what conclusions can we draw from that evidence?

Most Bigfoot investigators favor one theory of Bigfoot's origin or existence and stake their reputations on it, sniping at others who don't share their views. Many times, what one investigator sees as clear evidence of Bigfoot another will dismiss out of hand. In July 2000, curious tracks were found on the Lower Hoh Indian Reservation in Washington state. Bigfoot tracker Cliff Crook claimed that the footprints were "for sure a Bigfoot," though Jeffrey Meldrum, an associate professor of biological sciences at Idaho State University (and member of the Bigfoot Field Research Organization, BFRO) decided that there was not enough evidence to pursue the matter (Big Disagreement Afoot 2000). A set of tracks found in Oregon's Blue Mountains have also been the source of controversy within the community. Grover Krantz maintains that they constitute among the best evidence for Bigfoot, yet longtime researcher Rene Dahinden claimed that "any village idiot can see [they] are fake, one hundred percent fake" (Dennett 1994).

And while many Bigfoot researchers stand by the famous 16 mm Patterson film (showing a large manlike creature crossing a clearing) as genuine (including Dahinden, who shared the film's copyright), others including Crook join skeptics in calling it a hoax. In 1999, Crook found what he claims is evidence in the film of a bell-shaped fastener on the hip of the alleged Bigfoot, evidence that he suggests may be holding the ape costume in place (Dahinden claimed the object is matted feces) (Hubbell 1999).

Regardless of which theories researchers subscribe to, the question of Bigfoot's existence comes down to evidence- and there is plenty of it. Indeed, there are reams of documents about Bigfoot-filing cabinets overflowing with thousands of sighting reports, analyses, and theories. Photographs have been taken of everything from the alleged creature to odd tracks left in snow to twisted branches. Collections exist of dozens or hundreds of footprint casts from all over North America. There is indeed no shortage of evidence.

The important criterion, however, is not the quantity of the evidence, but the quality of it. Lots of poor quality evidence does not add up to strong evidence, just as many cups of weak coffee cannot be combined into a strong cup of coffee.

Bigfoot evidence can be broken down into four general types: eyewitness sightings, footprints, recordings, and somatic samples (hair, blood, etc.). Some researchers (notably Loren Coleman 1999) also place substantial emphasis on folklore and indigenous legends. The theories and controversies within each category are too complex and detailed to go into here. I present merely a brief overview and short discussion of each; anyone interested in the details is encouraged to look further.

1. Eyewitness Accounts
Eyewitness accounts and anecdotes comprise the bulk of Bigfoot evidence. This sort of evidence is also the weakest. Lawyers, judges, and psychologists are well aware that eyewitness testimony is notoriously unreliable. As Ben Roesch, editor of The Cryptozoological Review, noted in an article in Fortean Times, "Cryptozoology is based largely on anecdotal evidence. . . . [W]hile physical phenomena can be tested and systematically evaluated by science, anecdotes cannot, as they are neither physical nor regulated in content or form. Because of this, anecdotes are not reproducible, and are thus untestable; since they cannot be tested, they are not falsifiable and are not part of the scientific process. . . . Also, reports usually take place in uncontrolled settings and are made by untrained, varied observers. People are generally poor eyewitnesses, and can mistake known animals for supposed cryptids [unknown animals] or poorly recall details of their sighting. . . . Simply put, eyewitness testimony is poor evidence" (Roesch 2001).

Bigfoot investigators acknowledge that lay eyewitnesses can be mistaken, but counter that expert testimony should be given much more weight. Consider Coleman's (1999) passage reflecting on expert eyewitness testimony: "[E]ven those scientists who have seen the creatures with their own eyes have been reluctant to come to terms with their observations in a scientific manner." As an example he gives the account of "mycologist Gary Samuels" and his brief sighting of a large primate in the forest of Guyana. The implication is that this exacting man of science accurately observed, recalled, and reported his experience. And he may have. But Samuels is a scientific expert on tiny fungi that grow on wood. His expertise is botany, not identifying large primates in poor conditions. Anyone, degreed or not, can be mistaken.