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Show by WORRIED ABOUT LOWERING YOUR fflOUSIBIOL JOHN NARDINI Should !f? Refinano ? r& is the single Housing for families. i you've tried diet and exercise for 3 months or more, and your cholesterol numbers haven't come down enough, you're not alone. If In a study of patients with. treated with diet and exercise, were able to meet their cholesterol goals, of-tho- se A How do know when I I should ask my doctor about a cholesterol lowering drug? I The National Cholesterol Education Program states your doctor should consider adding a cholesterol lowering drug if your total cholesterol is ever 200 mgdL and any of the following apply to you, you smoke are overweight have heart disease have diabetes are a man ever 45 or a woman over 55 have a family history of early heart disease still ( ;ij Pravachol (pravastatin sodium) doesn't just lower your cholesterol numbers, it lowers your risk of having a heart attack or stroke to help you live a longer, healthier life. If I need a cholesterol rock-botto- lowering drug, why Prarvachd? High cholesterol puts you at risk for heart disease. Landmark clinical studies, involving 19,592 people, show that Pravachol (pravastatin sodium) along with a healthy diet is the only cholesterol lowering drug proven to help prevent both 1st and 2nd heart attack and stroke in people with a heart disease. And you high cholesterol should know, doctors have prescribed Pravachol more than 72 million times in the past 1 1 years. i is m you. $ Determine if you're a candidate for refinancing. How long do you plan to be in your house? What is your interest rare compared to today's interest rates' Does your bank have a penalty that might offset any refinancing nt 3 Net Don't all cholesterol lowering drugs claim they have proof? all cholesterol lowering drugs are proven to help prevent heart attacks and strokes. In feet, a Now Ive got the facts. ftb What's my next step? tried diet and exercise and your cholesterol is still too high, call your doctor today and ask if Pravachol is right fa you. log if you're cliarged a small fee, this option could save rime and the a lower rate. Even Pravachol, onto www pravachol.com. the number one prescribed brand of cholesterol lowering medication according to IMS National Prescription Audit, week o 81902 rs the amount is lower than your current rate, it's a good sign that refinancing would save you money because this rate includes dosing costs. $ Shop around for the best rate. Look for the best deal. Visit wifu.bankratt.uiw to view a baud scope of loan information and rates. Look at rates at other websites and at local bunks. Also, ask your current lender for If you've Fa mae information about savings? These questions (and more) will help determine if refinancing is appropriate for you. For a quick evaluation, get a quote for a mortgage If ," while the leading brand effectively lowers cholesterol, its ads admit that it has not been heart attacks. proven to help prevent heart disease 1 leading brand With most greatest expense interest rates, many today's are considering refinancing their mortgage to reduce monthly payments or to pay off their home more quickly But this might not be a wise choice for everyone. These steps should help you figure whether refinancing is right for in the U S , D3 KO1 19 expense of appraisals, credit reports, and other refinancing charges. $ Compare offers At this point, you have to run the numbers. Take into account all the variables interest rates, points (essentially upfront interest payments), closing costs, appraisal fees, your tax bracket, how long you plan to stay in your home, etc. Though this task may seem daunting, the web has several free calculators (check out uuw iiphngeruim or wu-- fwl. inm) to help you compare one loan to another and your current loan to all the rest. (umtimuJ on page 12 1 |