After experiencing a loss, or taking early steps to prepare, there are many choices when it comes to memorials placed for a deceased individual in a cemetery. Monument benches are one option that offers a way to remember a loved one, as well as a way to sit with them and reflect on the times you have shared together. Any type of memorial or headstone can be created to represent the individual at that particular location, and this is no exception with Jewish memorials. Whether a person wishes to have .

Refinance Your Mortgage for Rate and Payment Reductions. One of the biggest reasons homeowners refinance their mortgage is to obtain a lower interest rate and lower monthly payments. By refinancing, the borrower pays off their existing mortgage and replaces it with a new one. This can often be accomplished with a no-points no-fees loan program, which essentially means at no cost to the borrower. There are two schools of thought on this subject.

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