Bill Jason asked: If you are looking for a business opportunity, affiliate programs are all the rage today. Simply typing affiliate programs into any search engine will yield a multitude of results with links to websites offering various affiliate programs, promising anything from instant riches to long time financial security. Part of the allure of affiliate programs is that unlike running a business of your own, with an affiliate business you don't have to deal with things like inventory, storage, packing, shipping, complaints, returns, phone calls, emails, checks or credit cards. In fact, your only responsibility is to direct people to your affiliate site through your affiliate link. While not having to deal with the aforementioned things, and at the same time being able to earn commissions as high as 75% may sound [+]

Chris Herzig asked: To Refinance or Not? That is the question.When you refinance your mortgage, you usually pay off your original mortgage and sign a new loan. With a new loan, you again pay most of the same costs you paid to get your original mortgage.These costs may include settlement costs, discount points, and other fees. You also may be charged a penalty for paying off your original loan early, although some states prohibit this.The total expense for refinancing a mortgage depends on the interest rate, number of points, and other costs required to obtain a loan. To obtain the lowest rate offered, most mortgage companies will charge several points, and the total cost can run between three and six percent of the total amount you borrow.For example, on a [+]