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Which home refinancing rate will you use to make the best out of your mortgage situation? Will you use a fixed rate mortgage, perhaps? Maybe a adjustable rate mortgage? These options are up to you and it’s best to know about each of them before signing onto to any new agreements with your lenders. Refinancing is a wonderful opportunity to reduce your overall monthly payments and even consolidate your loans a bit if you felt it was needed.

I have been collecting random things from a very early age. I would spend days searching for a specific collectables (for example I collected mcdonalds toys which later became very collectable mcdonalds toys.) but then as I grew up I needed to find a new hobby so I got into collecting cars, well as a younger teen just thinking and dreaming about collecting cars - but now as I get older, wiser and richer I look to truly expand my car collection - do you think thats sensible? I started out by buying one rare ferrari that I saw for sale at a rare ferrari sale. From there its just catapulted and I have purchased about 10 cars since ranging from not so collectable but random citroen that I found at a similar used citroen sale to the true extent of my addiction to all things italian with purchasing a alfa romeo gtv for just under £3k - pretty good again for its year and mileage etc. But god its bad on the bank balance - £100k on cars alone in the last 6 months - and I only have a 10 garage so I need to either spend another 40k on a new garage or chill out with the car purchasing!!

Its not that different a story to any other in the cinema, magic, romance, evil, death progression - the usual stuff - so why has harry potter worked so well? Well part of it is the huge array of harry potter collectables you can buy - which makes the kids enjoy playing what the see on the screen, but secondly its down to the writer, JK Rowling would not have sold the story had they not promised to used uk actors, which is great because In my opinion it makes the harry potter franchise ideal for an english market. Perfection in a magical movie!

And don’t forget to check that change in your pocket! There are a number of rare coins still in circulation, and you never know when you might get lucky. Some of the coins to keep an eye out for are listed on various websites:

1943 Copper Penny - During World War II, production of pennies moved from copper to zinc-coated steel, so the copper could be used for the war effort. In the changeover, however, about 40 copper cents were struck from copper by mistake. A true copper penny with this date could fetch upwards of $200,000.

1982 “No P” Dime - Struck in the Philadelphia Mint, the P was inadvertently left off from an undetermined number of these dimes. Estimated to be worth around $100, although some dealers may try to get more for them.

1955 Double Die Penny - With a value estimated at $200 - $1,000, these goofs were caused by a misalignment, resulting in a double image of the numbering and letters.

Coin enthusiasts often search for years looking for that once-in-a-lifetime find. In the meantime, they enjoy the thrill of the hunt. If you want to join the true lovers of rare coins, read up as much as you can so you’ll know what you are looking for, and how to identify it when you find it. Collecting rare coins can be a lifelong hobby for the whole family. Get out there and starting looking!