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Bad Credit and Home Refinance (Bastrop Daily Enterprise) - (ARA) - Mortgage rates are at historic lows, and it seems like everyone's jumping on the refinance bandwagon these days. But is it really a good idea for people with bad credit?. Homeowners now pay for years of low rates (Detroit News) - F or Amy and Randy Greenwood, an adjustable-rate mortgage was a way to consolidate bills even with less-than-perfect credit.. Banks warned of 'end to the good times' (Guardian Unlimited) - Money: City regulator urges banks to prepare for impact of rising unemployment and the knock-on effect on bad debts.. Property-tax-deferral plan could give seniors a break (Deseret Morning News) - Senior citizen homeowners could get a break on future property tax increases if a bill approved by a legislative committee becomes law in the 2007 Utah Legislature.. Debt Management Smart Guide (Moneymanager) - Before taking out a loan check: the term of the loan the interest rate and number of payments the way the rate is determined (variable or fixed) fees besides the interest payments actual amount that will be paid type of security required early repay options (penalty?) terms if you are unable to repay the loan contract covered by Consumer Credit Code?. The Death Of Cheap Credit? (Fool.co.uk via Yahoo! UK & Ireland Finance) - With the Bank of England raising its base rate, the cost of borrowing is set to rise. Does this spell the end for ultra-low-rate loans?. Why Now is a Good Time to Refinance (Wellsville Daily Reporter) - (ARA) - If you're a homeowner, the recent drop in interest rates has opened up the possibility of big savings on your monthly payments.. Letters to the Editor (Martha's Vineyard Times) - We write in response to the Nov. 9, 2006, letter from the West Tisbury assessors.. Senior citizen homeowners may get break on future property tax increases (Deseret Morning News) - Senior citizen homeowners could get a break on future property tax increases if a bill approved by a legislative committee becomes law in the 2007 Legislature.. Analyze all your debt, then decide how to manage it (Salem Statesman Journal) - Your instincts probably are pretty good about the amount of debt you have, both personally and professionally. Debt is neither good nor bad. However, if debt is keeping you up at night, you may need to re-examine how you are managing it..