adverse credit remortgages

10.57 / Diposting oleh metallic sucker and moslem militan / komentar (0)

An Adverse Credit Remortgage is the process of paying-off one mortgage, from the proceeds of a new mortgage (i.e. remortgage), using the same property as security, even if you have adverse credit difficulties. An adverse credit remortgage may be just the right solution for many people.

The benefits of an adverse credit remortgage include saving money by having a fixed rate remortgage or discount remortgage rate, debt consolidation on existing credit or raising cash for home improvements, a new car, business etc., or a combination of any of these benefits - even with adverse credit problems.

It is also very important to consider the implications of an adverse credit remortgage. Firstly, this will place your home at risk if you are unable to keep up repayments on your mortgage. Secondly, you should also be aware of the costs involved with a home remortgage, and you should weigh-up these costs, such as a property valuation on your home, legal costs and fees; against the overall costs if you were to take no action.



10.41 / Diposting oleh metallic sucker and moslem militan / komentar (0)

is absolutely necessary for the residents who live in the Los Angeles area. Because it is able to improve cleanliness in the city that is capable of reducing the effect of pollution as well as global warming effects. Can prevent pollution in the system with the Carpet Cleaning LOS ANGELES AND WATER SERVICE Damage Restoration, the things done well. Waste disposal facilities in order to be healthy, and also guard against kebersihan.CARPET cleaning LOS ANGELES AND WATER SERVICE Damage Restoration absolutely necessary at this time. Company service provider is also quite diverse ranging from large and small. Space we can lingkupnya Sort from the most minor to the most. If we act soon, the road towards a better akan segera reached. Free of pollution, slow global warming, and so forth.
Carpet Cleaning AND WATER SERVICE Damage Restoration is a program that is recommended in the USA for its own citizens and other countries. Especially developing countries which have many problems with pollution and greenhouse gases or global warming. so when would that developed countries want to sponsor activities in developing countries, with programs Carpet Cleaning Damage Restoration AND WATER SERVICE


For audience of music show

10.30 / Diposting oleh metallic sucker and moslem militan / komentar (0)

Gunnar Colding is a former professional cellist who for 25 years has been employed by chamber orchestras as well as symphony orchestras of Sweden. This is an exceptional article he wrote for us.

To the audience of music

There was recently given a concert in New York mainly consisting of works by Mozart. When a soprano afterwards would perform some songs by Webern (music soon a hundred years old but Atonal) the audience BOOED her out! OPUS, the leading musical magazine of Sweden, therefore put the question, why Swedes don’t boo at concerts.

The short answer is simple. They are brought up not to, and whoever violates the pattern therefore risks “making a fool of himself”. The longer answer is somewhat more complicated, but still logic to those who have the energy to look a little deeper into the crystal ball.

All avant-gardists who have advanced to some level live in some kind of symbiosis with the culture knowledgeables of the media. Together they form a hype and a trademark. This trademark is in most cases equivalent to the personal name of “the artist”. After a number of times in the limelight they are suddenly celebrities.

Then it’s especially important to remember, that this celebrity status has only been reached by “State sponsorship” and clever (culture) lobbyists who all pull in the same direction tonally. All this, however, has been done over the heads of the audience, which, at a first night, has no choice but to join in the collective ritual of applauses.

The only alternative would be to boo or to refuse to applaud, that is civil disobedience, which most people lack the civil courage to carry through in for instance a direct transmission. If the audience would be disinterested, it wouldn’t come to a first night at the town concert hall? Oh yes, it certainly would.

The programme committees always place the new work together with great acknowledged music on the same concert. So the audience gets force-fed in the same way as by water chlorination. The audience has no possibility to drop the newwritten
piece by going home in advance, although they would want to. For then they would
miss also the rest of the repertoire for which they bought an expensive subscription!

Certainly there are many who are curious about “novelties”, but how many would return, if the work is given a second or a third time, to a separate concert, without tickets paid for in advance? If in spite of all the audience would hear this novelty one more time, it would for sure be allocated by quotas by some State financed institution or commission, for instance the music radio channel, only acclaimed by the Modern Music Ghetto people themselves.

Just look at for instance the statistics of the radio Concerts by Request for the last 30 years. In this sole instance, where the audience decides the programme, yours truly can not recall one single Atonal work, although it must have occurred in later years, as a particular exception…

European and especially Swedish musical audiences have thus become reduced to a kind of “cattle voice”, the acclaim of which seldom marks the quality of a piece. The applauses have become more concerned about the celebrated soloist, conductor or symphony orchestra and their performances!

To complete the hypocrisy, all reviewers then write about “standing ovations” and “the critically acclaimed work” etc. etc. Do you think they ever disclose, that the “voluntary” demand in the record shops by the audience is completely absent? All contemporary known composers have lobbyists and pushers everywhere in every single
musical institution. Together with the media they constitute today a formidably heavy group.

They have succeeded in the trick of forcing commissioners to also view the matter as an issue of equality between Atonal and Tonal music! At the same time the audience is indirectly accused of being rigid and to have prejudices that have to be broken. So, all natural processes of selection have been eliminated, just like they are in the world of the wars between the sexes by quota allocation.

By this system and evolutionary science, nothing will then be created fit for life. Men and women do have most in common in their constitution and are therefore of equal value as human beings. This is so to say scientifically proved. But it is equally scientifically proved, that the language of the Atonal music has nothing in common with its Tonal counterpart!

Atonal music lacks a grammar understandable to the ear. Therefore everything sounds like undefinable dissonances with no possibility of memorization. Tonal music (pop and classical) on the other hand has a very well defined grammar consisting of major and minor keys, which can be perceived by anyone except the deaf.

In that kind of music both consonance and dissonance are intermixed according to an accepted grammar. In a study from ”Brain – A Journal of Neurology” the researchers even arrived at the conclusion that only brain-damaged people could have preferences for music mainly consisting of dissonances.

Contrary to what avant-gardists with interpretation monopolies advocate, the Tonal music language is neither culturally nor socially determined. Preferences to Tonal music have, hark well, a purely biological explanation in the brain.

This has been easily proved by studies in babies and animals, after which a highly merited fundamental researcher in psychology (Diana Deutsch, USA) proved already in 1983, that not even normal, grown-up musicians’ brains could ”process” Atonal music.

Therefore I hereby nominate the modern “Atonal sect” to one of the most arrogant groups ever within culture.

All necessary research, analysis and background to these claims are presented in the book “Reverse Polka, or, Cheated of the Music”. (Yet only published in Sweden: “Baklängespolkan går eller Blåst på musiken”)

The painful thing is, that even without pressure groups, the works of the dead Tonal composers remain a hundredfold more alive than the works of their modern “colleagues”.
Classical music has only diverse “Societies” that run a sort of internal activity of meeting and sharing mutual interests.

That music has no other “pushers” than Unorganized private consumers without “votes”, commonly called the audience. My question to the modern State quota people: For whose benefit are you working? For the benefit of the audience or for the benefit of all potentially unemployed “composers”? I already know the answer. You only work by instructions “from above” as they vaguely call it…


In America

10.26 / Diposting oleh metallic sucker and moslem militan / komentar (0)

User Rating:
7.9/10 19,446 votes
MOVIEmeter: ?
Up 23% in popularity this week.
Jim Sheridan
Writers (WGA):
Jim Sheridan (written by) &
Naomi Sheridan (written by) ...
View company contact information for In America on IMDbPro.
Release Date:
31 October 2003 (UK) more
Drama | Romance more
An Irish immigrant family adjusts to life in the United States. full summary | full synopsis
Plot Keywords:
Actor | Neighbor | New York City | 2000s | Voice Over Narration
Nominated for 3 Oscars. Another 18 wins & 33 nominations more
(15 articles)
Indiana Jones Makes $25 Million In A Day - In America Alone
(From WENN. 23 May 2008, 10:31 AM, PDT)
Iron Man Stomps Up The Box Office Charts In America
(From WENN. 4 May 2008, 6:25 PM, PDT)

The movie opens to a family of 4 nervously trying to cross the border from US into Canada. The father, Johnny (Paddy Considine) tells his two young daughters to remember to say 'we are on holiday'. The INS officials are suspicious, so Christy (Sarah Bolger), the oldest daughter prays to her deceased brother, Frankie. Apparently he will grant her 3 wishes and this situation calls for a favor. So she asks him to get them across the border. Then the officials wave them through.

Soon they are driving through New York excited about the lights and seeing Times Square. Christy is filming everything on her little red camcorder. (A constant companion through the film). The family pulls up to an apartment which is filled with druggies and junkies. They are on the top floor and there is no elevator, so they have to take stairs. The apartment is run down and there are a lot of pigeons which they let out through a skylight. The apartment is large and they fix it up with paint and new furniture. The family has fun as the girls skate on rollerblades throughout the apartment.

Meanwhile, there is another apartment that says 'keep away' on the door. Inside is a large African man in a rage. He is an artist surrounded by canvas and paintings. In his fury he starts slashing one of his paintings with a knife. The screen shows dripping blood and we see a hand making a bloody handprint on a canvas.

Soon it is summer and the family is very hot; they are not used to the New York heat. Johnny goes to get an air conditioner but he is pulling it on a little set of wheels and can't get it up the curb. So he angrily pulls it down the middle of the street in opposing traffic. He finally gets it home, carries it up all the stairs, slams it down on the window ledge and then screams in frustration to see that it has a three pronged plug and the outlet only has two prongs.

He goes to a convenience store to try to buy a plug. He is 25 cents short. The guy won't cut him a break so he returns some bottles to get 25 cents and then buys the plug. He grafts the new plug on the air conditioner and the family is extremely relieved as the cool air starts flowing. After 2 minutes of cool, the power in the entire building blows.

All the people in the building start yelling at them and the family decides to run out and find refuge in the air conditioning of the movie theater. In the theater they see ET and the youngest daughter Ariel, (Emma Bolger) is especially moved by the scene where ET is flying across the moon and 'going home'. (Important later).

On the way home the family walks through a carnival and pass a ball throwing game that awards ET dolls as prizes. Ariel asks her father to win her one. The attendant explains that to win the doll you need to get 7 balls in the bucket. Plus if you double your money every time you buy balls, you win all your money back too. Johnny thinks this sounds easy and plunks down 2 dollars to get 3 balls. He gets 2 in. Then the next 3 balls cost 4 dollars. He gets one in. Then next 3 balls cost 8 dollars and so forth. Finally he needs to get two more balls in and the cost is now $128. The family is getting nervous and the daughter says 'forget it'. A big crowd is gathering and Johnny is getting nervous. He gets one in but otherwise keeps missing. They finally put all their rent money on the table and he only has one more shot. (Very tense!).

In desperation Christy prays to Frankie to make the ball go in. The balls makes it in the basket and the family is elated.

The family goes home and the parents are so excited that they send the kids to the ice cream shop. Then Johnny and Sarah (the mom, Samantha Morton) have passionate sex. At the same time there is a severe thunderstorm. A narrator tells us that a baby is conceived.

In the fall the kids go to catholic school. To support themselves the Sarah works in an ice cream shop and Johnny drives a taxi. Johnny goes to a lot of auditions as he is trying to strike is big as an actor. He can get the accents perfect, but the director says his acting needs to come from his gut; it's missing feeling.

Soon it is Halloween and Sarah is making homemade costumes for the kid. Ariel is an angel, and Christy is dressed up to represent Autumn. Their parents escort them to the school costume party and as they walk in everyone stops and stares at them. The family is puzzled why everyone is staring and Christy says it's because their costumes are homemade. The kids know they are different (and poor) and Christy hates it.

The kids demand to be able to go trick or treating. But the parents don't really understand what it is so they tell the girls they can trick or treat in their building only. The kids bang on door after door and no one answers. Finally, in desperation they start yelling and banging at the door that says 'Keep Away'. We see the occupant in his darkroom developing pictures and he yells angrily 'GO AWAY'. But the kids are excited that someone is there so they and pound even harder. He finally yanks the door open in anger.

He lets them in and it very nice to the little girls. He looks around for something to give them and opens his fridge. We get a brief glimpse of lots of medicine bottles in the fridge. He finally gives them a glass bottle filled with change. To reciprocate for his kindness, the parents invite him over for dinner. We learn that his name is Mateo (Djimon Hounsou).

Mateo becomes a family friend and starts hanging out the mom and 2 kids. He helps them paint a mural of angels in the girls bedroom. Sarah visits Mateo in his apartment and looks at some pictures. In the pictures, Mateo is with family in a wealthy setting and Sarah says with surprise 'Oh, you are rich!'. Meanwhile, Johnny is getting jealous at all the time Mateo is spending with his family.

Johnny and Sarah go to the doctor about her pregnancy and he says they shouldn't proceed with the pregnancy; there are some serious health risks involved. Sarah is adamant that she is going to have her baby.

Sarah wants to reassure the girls so she pretends to feel the baby kicking and asks Johnny 'can't you feel the baby kicking'. After putting his hand on her stomach he says 'I can't feel anything.' Sarah chews him out saying he should have lied for the kids sake, after all he is an actor. And he can't feel anything - that's why he doesn't get any acting jobs. They start blaming each other for Frankie's death. Sarah says Johnny shut his feelings off when Frankie died and hasn't even been able to cry since.

Johnny angrily goes downstairs to confront Mateo about why he is spending so much time with his family. He accuses him of being in love with his wife. Mateo says 'I love all of you, even the unborn child, I love everything that is alive'. Johnny realizes that Mateo is dying of AIDS.

Time progresses and as Sarah gets more pregnant, Mateo gets sicker. The children go to visit Mateo one last time as he is very sick and Ariel makes Mateo promise he will say goodbye to her before he goes.

Finally it's time for Sarah to go to the hospital and we see Mateo go to the same hospital. Sarah has her baby but it's premature and needs a lot of medical help. Sarah is delusional and starts yelling, asking about Frankie. She starts blaming Johnny for his death saying 'it's your fault he died because you put the gate at the top of the stairs and he climbed the gate!'. She has to be sedated.

The hospital asks Johnny for a $5000 check. Johnny gives them a check but it bounces. The Doctor informs the family that the baby needs a blood transfusion. However, Johnny is not a match and Sarah is too sick so Christy bravely donates the blood and the baby gets better.

The nurse pulls a sheet over Mateo's head; he's dead. The baby gets better and the family can leave the hospital and take the baby home. As they check out of the hospital, they are nervous as the cashier prints out the bill and announces the total is $33,000. However, they become very surprised when the cashier informs them the bill has been paid in full by Mateo.

Ariel is upset because Mateo never said good-bye to her and he promised he would.

Finally they go outside and there's a full moon. Johnny and Christy decides to lie for the sake of Ariel . They pretend to see Mateo flying by the moon (like ET) and waving goodbye. They ask Ariel 'do you see him?'. And she keeps insisting she can't see anything, but finally she says 'I see him'! And waves good bye. Then Christy asks for her 3rd wish from Frankie. She asks him to help their Dad say goodbye. She tells Johnny to say goodbye to Frankie. He waves and says goodbye and starts crying for the first time since Frankie died.


University of Phoenix

10.31 / Diposting oleh metallic sucker and moslem militan / komentar (0)

University of Phoenix offers undergraduate and graduate programs in business, education, nursing, technology and human services. Every degree program, course and certificate we offer is designed to challenge our students because the best way to ensure academic excellence is to demand it.

So, whether you're completing your degree online or at one of our campus locations, you'll gain relevant and practical knowledge from faculty who work in the fields they teach and fellow students who bring real-life experience to the class.

About University of Phoenix

At University of Phoenix, we've been thinking ahead for more than 30 years. In fact, we were founded in 1976 on an innovative idea: make higher education highly accessible for working students.

Accessible Education

Still guided by this idea, University of Phoenix has helped transform the landscape of higher education in widely recognized ways.

Many of the conveniences that 21st-century students now take for granted—evening classes, flexible scheduling, continuous enrollment, a student-centered environment, practitioner faculty, online classes, online library, ebooks, computer simulations—were pioneered or made acceptable through University of Phoenix's efforts.

An Innovative Approach

Not surprisingly, our unique approach has helped us grow from our humble origins as an upstart institution serving the unrecognized needs of working students. Today, University of Phoenix is the largest private university in North America, with nearly 200 convenient locations, as well as Internet delivery in most countries around the world.

We're also a comprehensive university. University of Phoenix has more than 100 degree programs at the associate's, bachelor's, master's and doctoral levels in much-desired employment areas, from business and technology to health care and education.

Most importantly, we're constantly innovating to help students balance education and life in a rapidly changing world.

Accreditations and Licensures

Accreditation means a quality education

University of Phoenix is accredited by the Higher Learning Commission and is a member of the North Central Association. For additional information, visit

Business Accreditation

The Associate of Arts with a concentration in Foundations of Business, Associate of Arts with a concentration in Accounting, Bachelor of Science in Business, Master of Business Administration, Master of Management, Doctor of Management and Doctor of Business Administration programs are accredited by the Association of Collegiate Business Schools and Programs (

Nursing Accreditation

The Bachelor of Science in Nursing and the Master of Science in Nursing programs are accredited by the Commission on Collegiate Nursing Education (CCNE). For additional information, visit

Teacher Education Accreditation

The Master of Arts in Education program with options in Elementary Teacher Education and Secondary Teacher Education is preaccredited by the Teacher Education Accreditation Council (TEAC) for a period of five years, from December 20, 2007 to December 20, 2012. For additional information, visit

Counseling Accreditation

The Master of Science in Counseling program in Community Counseling (Phoenix and Tucson, Arizona campuses) and the Master of Science in Counseling program in Mental Health Counseling (Salt Lake City, Utah campuses) are accredited by the Council for Accreditation of Counseling and Related Educational Programs (CACREP). For additional information, visit

State and International Licensures

University of Phoenix is approved to operate in most U.S. states and other countries, either through licensure, registration, general or specific approvals, consent or exemption. Specific approval-related statements that are required by some states or provinces are as follows:

Florida: University of Phoenix is licensed by the Florida Commission for Independent Education, License No. 2308.

Georgia: University of Phoenix is authorized under the Nonpublic Postsecondary Educational Institutions Act of 1990.

Indiana: Fully accredited by the Indiana Commission for Postsecondary Proprietary Education. AC-0188. Indianapolis Campus is located at 7999 Knue Road, Suites 100 & 500, Indianapolis, IN 46250; Northwest Indiana Campus is located at 8401 Ohio Street, Merrillville, IN 46410.

Ohio: Registration Number is 1154320. Cleveland Campus is located at 5005 Rockside Road, Suite 130, Independence, OH 44131-2194; Cincinnati Campus is located at 9050 Centre Pointe Drive, Suite 250, West Chester, OH 45069-4875; Columbus Campus is located at 8415 Pulsar Place, Suite 100, Columbus, OH 43240-4032.

Puerto Rico: University of Phoenix operates under a renewal license granted by the Puerto Rico Council on Higher Education.

South Carolina: Licensed by the South Carolina Commission on Higher Education. The campus is located at 1001 Pinnacle Point Drive, Columbia, SC 29223.

Tennessee: Memphis Campus is located at 65 Germantown Court, Suite 100, Cordova, TN 38018; Nashville Campus is located at 616 Marriott Drive, Suite 150, Nashville, TN 37214; Franklin Campus is located at 377 Riverside Drive, Franklin, TN 37064; Chattanooga Campus is located at 1208 Pointe Centre Drive, Chattanooga, TN 37421.

Virginia: State Council of Higher Education for Virginia has authorized University of Phoenix to offer degree or certificate programs. Any course, degree or certificate program offered has been approved by the University of Phoenix governing board. Credit earned for coursework in Virginia can be transferred to University of Phoenix’s principal location outside Virginia as part of the University’s existing degree or certificate programs.

Alberta: University of Phoenix is approved to offer specific degree programs by Alberta Advanced Education. Degrees are conferred by University of Phoenix through its Central Administration office, located in Phoenix, Arizona.

British Columbia: The term "university" is used under the written consent of the Minister of Advanced Education, effective December 20, 2006, having undergone a quality assessment process and been found to meet the criteria established by the minister. Degrees are conferred by University of Phoenix through its Central Administration office, located in Phoenix, Arizona.


University of Phoenix also maintains voluntary memberships with numerous organizations, including:

  • American Council on Education
  • Association of American Colleges
  • American Association for Adult and Continuing Education
  • American Association for Higher Education
  • American Assembly of Collegiate Schools of Business
  • Council for Adult and Experiential Learning
  • College and University Personnel Association
  • Arizona Association of Collegiate Registrars and Admissions Officers
  • American Association of Collegiate Registrars and Admissions Officers
  • Independent Colleges and Universities of Arizona
  • American Association of Colleges of Nursing
  • Western Institute of Nursing
  • National Board for Certified Counselors
  • National Association for Foreign Student Admissions
  • Association of International Educators
  • National Association of Veterans Program Administrators
  • Servicemembers Opportunity Colleges
  • Defense Activity for Non-Traditional Support
  • various professional, program-specific organizations
  • University of Phoenix Foundation

    The University of Phoenix Foundation was established in 2006 by the University's founder, Dr. John Sperling, who was inspired by 30 years of witnessing the life-changing power of education.

    The mission of the Foundation is to increase access to education, especially for underrepresented and low-income students traditionally under-served by the education continuum, in an effort to provide a pathway for economic advancement. To fulfill this mission, the University of Phoenix Foundation provides grants to qualified public charities.
  • The mission of University of Phoenix is to provide access to higher education opportunities that enable students to develop the knowledge and skills necessary to achieve their professional goals, improve the productivity of their organizations, and provide leadership and service to their communities.


    • To facilitate cognitive and affective student learning--knowledge, skills, and values -- and to promote use of that knowledge in the student's work place.
    • To develop competence in communication, critical thinking, collaboration, and information utilization, together with a commitment to lifelong learning for enhancement of students' opportunities for career success.
    • To provide instruction that bridges the gap between theory and practice through faculty members who bring to their classroom not only advanced academic preparation, but also the skills that come from the current practice of their professions.
    • To provide General Education and foundational instruction and services that prepare students to engage in a variety of university curricula.
    • To use technology to create effective modes and means of instruction that expand access to learning resources and that enhance collaboration and communication for improved student learning.
    • To assess student learning and use assessment data to improve the teaching/learning system, curriculum, instruction, learning resources, counseling and student services.
    • To be organized as a for-profit institution in order to foster a spirit of innovation that focuses on providing academic quality, service, excellence, and convenience to the working adult.
    • To generate the financial resources necessary to support the University’s mission. Review the University's Mission and Purposes Statement.


Home Equity line of Credit

10.07 / Diposting oleh metallic sucker and moslem militan / komentar (0)

What is a home equity line of credit?

A home equity line of credit is a form of revolving credit in which your home serves as collateral. Because a home often is a consumer's most valuable asset, many homeowners use home equity credit lines only for major items, such as education, home improvements, or medical bills, and choose not to use them for day-to-day expenses.

With a home equity line, you will be approved for a specific amount of credit. Many lenders set the credit limit on a home equity line by taking a percentage (say, 75%) of the home's appraised value and subtracting from that the balance owed on the existing mortgage. For example:

Appraised value of home $100,000
Percentage x 75%
Percentage of appraised value = $ 75,000
Less balance owed on mortgage - $ 40,000

Potential line of credit $ 35,000

In determining your actual credit limit, the lender will also consider your ability to repay the loan (principal and interest) by looking at your income, debts, and other financial obligations as well as your credit history.

Many home equity plans set a fixed period during which you can borrow money, such as 10 years. At the end of this "draw period," you may be allowed to renew the credit line. If your plan does not allow renewals, you will not be able to borrow additional money once the period has ended. Some plans may call for payment in full of any outstanding balance at the end of the period. Others may allow repayment over a fixed period (the "repayment period"), for example, 10 years.

Once approved for a home equity line of credit, you will most likely be able to borrow up to your credit limit whenever you want. Typically, you will use special checks to draw on your line. Under some plans, borrowers can use a credit card or other means to draw on the line.

There may be other limitations on how you use the line. Some plans may require you to borrow a minimum amount each time you draw on the line (for example, $300) or keep a minimum amount outstanding. Some plans may also require that you take an initial advance when the line is set up.

What should you look for when shopping for a plan?

If you decide to apply for a home equity line of credit, look for the plan that best meets your particular needs. Read the credit agreement carefully, and examine the terms and conditions of various plans, including the annual percentage rate (APR) and the costs of establishing the plan. Remember, though, that the APR for a home equity line is based on the interest rate alone and will not reflect closing costs and other fees and charges, so you’ll need to compare these costs, as well as the APRs, among lenders.

Variable interest rates

Home equity lines of credit typically involve variable rather than fixed interest rates. The variable rate must be based on a publicly available index (such as the prime rate published in some major daily newspapers or a U.S. Treasury bill rate). In such cases, the interest rate you pay for the line of credit will change, mirroring changes in the value of the index. Most lenders cite the interest rate you will pay as the value of the index at a particular time, plus a "margin," such as 2 percentage points. Because the cost of borrowing is tied directly to the value of the index, it is important to find out which index is used, how often the value of the index changes, and how high it has risen in the past. It is also important to note the amount of the margin.

Lenders sometimes offer a temporarily discounted interest rate for home equity lines--an "introductory" rate that is unusually low for a short period, such as 6 months.

Variable-rate plans secured by a dwelling must, by law, have a ceiling (or cap) on how much your interest rate may increase over the life of the plan. Some variable-rate plans limit how much your payment may increase and how low your interest rate may fall if the index drops.

Some lenders allow you to convert from a variable interest rate to a fixed rate during the life of the plan, or let you convert all or a portion of your line to a fixed-term installment loan.

Costs of establishing and maintaining a home equity line

Many of the costs of setting up a home equity line of credit are similar to those you pay when you buy a home. For example:

A fee for a property appraisal to estimate the value of your home;
An application fee, which may not be refunded if you are turned down for credit;
Up-front charges, such as one or more "points" (one point equals 1 percent of the credit limit); and
Closing costs, including fees for attorneys, title search, mortgage preparation and filing, property and title insurance, and taxes.

In addition, you may be subject to certain fees during the plan period, such as annual membership or maintenance fees and a transaction fee every time you draw on the credit line.

You could find yourself paying hundreds of dollars to establish the plan. And if you were to draw only a small amount against your credit line, those initial charges would substantially increase the cost of the funds borrowed. On the other hand, because the lender's risk is lower than for other forms of credit, as your home serves as collateral, annual percentage rates for home equity lines are generally lower than rates for other types of credit. The interest you save could offset the costs of establishing and maintaining the line. Moreover, some lenders waive some or all of the closing costs.

How will you repay your home equity plan?

Illustration of a calculator, checkbook, and papersBefore entering into a plan, consider how you will pay back the money you borrow. Some plans set a minimum monthly payment that includes a portion of the principal (the amount you borrow) plus accrued interest. But, unlike with typical installment loan agreements, the portion of your payment that goes toward principal may not be enough to repay the principal by the end of the term. Other plans may allow payment of interest only during the life of the plan, which means that you pay nothing toward the principal. If you borrow $10,000, you will owe that amount when the payment plan ends.

Regardless of the minimum required payment on your home equity line, you may choose to pay more, and many lenders offer a choice of payment options. Many consumers choose to pay down the principal regularly as they do with other loans. For example, if you use your line to buy a boat, you may want to pay it off as you would a typical boat loan.

Whatever your payment arrangements during the life of the plan--whether you pay some, a little, or none of the principal amount of the loan--when the plan ends, you may have to pay the entire balance owed, all at once. You must be prepared to make this "balloon payment" by refinancing it with the lender, by obtaining a loan from another lender, or by some other means. If you are unable to make the balloon payment, you could lose your home.

If your plan has a variable interest rate, your monthly payments may change. Assume, for example, that you borrow $10,000 under a plan that calls for interest-only payments. At a 10% interest rate, your monthly payments would be $83. If the rate rises over time to 15%, your monthly payments will increase to $125. Similarly, if you are making payments that cover interest plus some portion of the principal, your monthly payments may increase, unless your agreement calls for keeping payments the same throughout the plan period.

If you sell your home, you will probably be required to pay off your home equity line in full immediately. If you are likely to sell your home in the near future, consider whether it makes sense to pay the up-front costs of setting up a line of credit. Also keep in mind that renting your home may be prohibited under the terms of your agreement.

Lines of credit vs. traditional second mortgage loans

If you are thinking about a home equity line of credit, you might also want to consider a traditional second mortgage loan. This type of loan provides you with a fixed amount of money, repayable over a fixed period. In most cases, the payment schedule calls for equal payments that pay off the entire loan within the loan period. You might consider a second mortgage instead of a home equity line if, for example, you need a set amount for a specific purpose, such as an addition to your home.

In deciding which type of loan best suits your needs, consider the costs under the two alternatives. Look at both the APR and other charges. Do not, however, simply compare the APRs, because the APRs on the two types of loans are figured differently:

The APR for a traditional second mortgage loan takes into account the interest rate charged plus points and other finance charges.
The APR for a home equity line of credit is based on the periodic interest rate alone. It does not include points or other charges.

Disclosures from lenders

The federal Truth in Lending Act requires lenders to disclose the important terms and costs of their home equity plans, including the APR, miscellaneous charges, the payment terms, and information about any variable-rate feature. And in general, neither the lender nor anyone else may charge a fee until after you have received this information. You usually get these disclosures when you receive an application form, and you will get additional disclosures before the plan is opened. If any term (other than a variable-rate feature) changes before the plan is opened, the lender must return all fees if you decide not to enter into the plan because of the change.

When you open a home equity line, the transaction puts your home at risk. If the home involved is your principal dwelling, the Truth in Lending Act gives you 3 days from the day the account was opened to cancel the credit line. This right allows you to change your mind for any reason. You simply inform the lender in writing within the 3-day period. The lender must then cancel its security interest in your home and return all fees--including any application and appraisal fees--paid to open the account.

What if the lender freezes or reduces your line of credit?

Plans generally permit lenders to freeze or reduce a credit line if the value of the home "declines significantly" or, when the lender "reasonably believes" that you will be unable to make your payments due to a "material change" in your financial circumstances. If this happens, you may want to:

Talk with your lender. Find out what caused the lender to freeze or reduce your credit line and what, if anything, you can do to restore it. You may be able to provide additional information to restore your line of credit, such as documentation showing that your house has retained its value or that there has not been a "material change" in your financial circumstances. You may want to get copies of your credit reports (go to the Federal Trade Commission's website for information about free copies) to make sure all the information in them is correct. If your lender suggests getting a new appraisal, be sure you discuss appraisal firms in advance so that you know they will accept the new appraisal as valid.
Shop around for another line of credit. If your lender does not want to restore your line of credit, shop around to see what other lenders have to offer. You may be able to pay off your original line of credit and take out another one. Keep in mind, however, that you may need to pay some of the same application fees you paid for your original line of credit.


Texas Mesothelioma Lawyers

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Texas mesothelioma lawyers are very compassionate and can understand the fear and confusion that a person will face that is diagnosed with mesothelioma or other forms of cancer. Texas mesothelioma lawyers can recognize what this cancer can bring into your family. The drain emotionally and financially on both you and your family is an unwanted process but Texas mesothelioma lawyers can work with you and your family to try and make something good come out of a horrible situation.

The Texas mesothelioma lawyers and law firms will work with you and your family to claim well deserved compensation from where a victim might have been exposed to asbestos. These lawsuits have been known to win millions of dollars for victims and their families. If you happen to be diagnosed with mesothelioma you have every right to file a lawsuit in court. With the rising cases of mesothelioma throughout the country lawyers have become very proficient at getting the maximum compensation out of companies that have exposed their employees to asbestos. Today there are millions of lawyers that specialize in mesothelioma & asbestos lawsuits, many of which are in Texas.

Finding a mesothelioma lawyer in Texas or anywhere for that matter can be a long drawn out process. You need to select a lawyer with whom you get a good vibe from. Make sure to meet with several before you decide on your Texas mesothelioma lawyer. You can start your search with law directories, yellow pages, or the internet.

One great thing about Texas mesothelioma lawyers is that Texas provides speedy trial for mesothelioma victims which ensure the chances that victims will live to enjoy their compensations.

Protecting yourself and your loved ones is the most important thing you can do in life. If your experiencing symptoms related to tragic cancer or if you know you have worked in an environment that might have contained asbestos it is absolutely critical to contact a mesothelioma lawyer today.


Leading UK personal injury solicitors About us

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We have developed our service to give people access to the very best legal representation following an accident. A service that is as straightforward and efficient as possible. The majority of the claims we take on are dealt with by telephone, email and post and are settled without the need to go to Court. Where cases are more complex our solicitors arrange to visit you at home or in hospital if appropriate.

Each year we recover over £10 million in compensation for our clients. We have also helped to increase awareness of accident risks and improve health and safety standards to protect the welfare of others.

We have helped thousands of people at very difficult times in there lives. By providing access to compensation, treatment and rehabilitation services, we have helped people move on and rebuild their lives following accidents of all severities.

Our team of personal injury solicitors deal with accidents and injuries of all types and we have specialist expertise in head injury, spinal injury, leg injury, limb amputation cases and serious orthopaedic injury.


Been injured in an accident? Speak to one of our personal injury solicitors for legal advice without any cost or catch

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The Claim Solicitors are one of the UK's leading personal injury law firms. We help thousands of people each year to make successful compensation claims following car accidents and other types of accidents that were not their fault.

Call us now and speak to one of our personal injury solicitors. We'll give you honest and impartial advice regarding your accident. If you then decide you wish to make a claim we'll guide you step by step to your compensation.

If you have been injured in an accident at work, a car accident, suffered a whiplash injury or want advice on any other type of accident call us on 0800 197 32 32, or click here for free advice regarding a compensation claim.

Our service won't cost you a penny

From the moment you pick up the phone our service won’t cost you a penny. Our advice is free and if you decide that you want us to help you make a claim, our personal injury solicitors will work for you on a no in no fee basis. Regardless of the outcome of your claim you don't pay a thing. And if your claim is successful you keep all of your compensation too.

Free legal advice without pressure or obligation

Our personal injury solicitors will give you honest and straightforward advice regarding your accident and the likelihood of you being able to make a successful compensation claim. You won’t be pressured into making a claim and we will only proceed if you instruct us to do so.

Excellent claim success rate

Our outstanding claim success rate is testimony to the hard work, experience and commitment of our personal injury solicitors. Let us help you with your accident claim and get you the personal injury compensation that you are entitled to following a car accident, work accident or any other type of accident in which you were injured through no fault of your own.

We work harder to get you compensation

Whilst our service is accessible to you online, this does not mean that we compromise on customer service. We are dedicated to providing our customers with an open, honest and efficient service in order to make the process of claiming personal injury compensation following an accident as straightforward as possible.

We'll help you step by step

We won't baffle you with complicated legal jargon. Our personal injury solicitors will give you clear, independent, practical advice and assistance. We'll guide you step-by-step through the claims process to help you to make a successful personal injury compensation claim.

Our service is available to you regardless of where you live in the UK. You can contact us at any time 24 hours a day. There is always somebody available to help and offer free and impartial legal advice.

The very best legal representation

As one of the UK’s leading personal injury solicitors we will always ensure you have the very best legal representation to pursue your compensation claim. We have an outstanding claims success rate with car accidents, whiplash injury and accident at work claims as well as accidents and injuries of all types. We have specialist expertise in head injury, spinal injury, leg injury, limb amputation cases and serious orthopaedic injury. See About us for more information.

Expert personal injury solicitors

Our personal injury solicitors are specialists in their chosen fields and this means that your compensation claim has the best possible chance of success.
In fact, so good are our solicitors that we’re proud to boast an excellent success rate for all accident claims that we take on.

So if you’ve been hurt as the result of someone else’s negligence, our personal injury solicitors can help you win compensation for any of the following types of claim:

  • Car accident
  • Whiplash injuries
  • Work accident
  • Industrial deafness
  • Asbestos-related diseases
  • Vibration White Finger
  • Birth injuries
  • Medical negligence
  • Dog bites
  • Product liability issues
  • Accidents in a public place
  • Holiday accidents
  • Catastrophic injuries
  • Motorcycle accident
  • No win, no fee, no cost, no risk

    We believe that everyone who has suffered a personal injury in an accident that was someone else’s fault should have access to compensation, no matter what their financial situation may be.

    Our personal injury solicitors work on a no win no fee basis, which means that you will not have to pay any fees in the unlikely event that your case is unsuccessful. If necessary, legal expenses insurance will be taken out on your behalf which will protect you from all costs should you not win your claim. You will not be responsible for any any costs or fees, no matter what the outcome of your personal injury claim.

    Unlike some personal injury solicitors who may deduct as much as a 40% of your compensation award by way of a success fee, we guarantee that you will receive 100% of your compensation.

    So when you pursue a no win no fee personal injury claim with The Claim Solicitors you will never lose a penny, only gain a well-deserved compensation award. Read more about no win no fee.

    Personal injury experience

    Ourpersonal injury solicitors
    have vast experience in dealing with all types of claim involving all degrees and severiti

    , ranging from whiplash injuries to catastrophic injuries such as brain damage and spinal cord injury as well as cases of medical negligence. We are also extremely adept at working on claims for psychological personal injuries such as Post-Traumatic Stress Disorder.

    Whatever type of non-fault accident you have been involved in and whatever personal injury you have sustained as a result, we can help you to claim the compensation which is rightfully yours.

    General damages such as pain, discomfort, distress, loss of congenial employment and any other resulting lifestyle changes may be recompensed. Similarly, you could recover costs for special damages such as lost earnings, medical treatment and ongoing medical care.


    What Does It Take To Beat A San Diego DUI Charge

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    One of the first things a person who has been arrested on a DUI charge in San Diego thinks is “How can I beat this charge”? The mistake that a lot of people make who have been arrested for DUI make is to make the decision to not have a dui lawyer represent them in their defense of the DUI charge.

    Beating or even reducing a DUI charge in San Diego county is extremely difficult, if not impossible in most cases without the help of an experience DUI lawyer who practices in San Diego and knows the San Diego court system and the California DUI law like the back of their hand, so to speak.

    Whether or not you live in San Diego or any other part of the United States and you have been arrested on a drunk driving charge and are a waiting your day in court. One of the first things you must do, is to hire an experienced DUI lawyer to represent you in court.

    When you make this decision, base it on your future and the potential impact a DUI conviction will have on your life down the road. Don’t just think about the costs of hiring a DUI lawyer, this is a fatal mistake.

    seem to continue to grow in numbers for some strange reason…? Maybe it has something to do with the increasing number of DUI offenses within San Diego county… or not.

    Within the last 3 years (2005 - 2008) there has been an increase in the number of criminal defense lawyers advertising that they handle drunk driving or DUI offenses. One of the reasons this is happening is due to the county court house and the way they are now handling DUI cases. They’re becoming more and more ’standardized’ which means that there is less leeway to provide a proper defense.

    As more and more DUI laws are passed and imposed not just within San Diego county but the entire state of California it makes it more profitable for criminal defense attorney’s to get into the ‘ DUI Business ‘ because it will take them less time, effort and energy to defend a client without having to reduce their fees.

    Yes, that means that they will charge the same amount of fees for LESS service/defense for their DUI clients due to the way the San Diego County Courts are deciding to handle DUI cases.

    So What Can DUI Offenders Do ?

    The short answer is ‘not much’ but overall there are some options. The first thing someone can do is to ensure that they are dealing with a reputable DUI lawyer and not a lawyer that practices the ‘windmill’ approach which is where a criminal defense lawyer focuses on getting many low cost/low time required clients in and out of the practice. These are the practices that do heavy advertising… they focus on getting as many DUI offenders in the door as possible by offering low fees (through ad saturation throughout many, many different media sources) but then offer a very ‘non-existant’ defense.

    In this regard the old adage, “You Get What You Pay For” is very, very relevant. I hate to say it but a smaller criminal defense lawyer specializing in DUI defense here in San Diego is much more likely to give you a proper defense than a HUGE high volume ‘windmill’ type firm.

    All of our San Diego DUI Lawyers give very specialized focused attention on our clients. We aren’t the cheapest in town and that’s due in large part to providing a proper defense and not focusing on volume. If you are in need of skilled San Diego DUI defense, and want the best personalized defense available here in this city and county give us a call.

    San Diego DUI Overview

    When first arrested for a DUI in San Diego it’s likely that you’ll be confused about what is happening in terms of the legal process, etc… Here’s an overview that will help you understand the process involved with a San Diego DUI offense.

    First you’re arrested and cited for suspicion of drunk driving or DUI. Depending on the actual circumstances you’ll most likely be held in the downtown jail for anywhere from 5-12 hours before being let go (this is assuming this is your first San Diego DUI and there were no aggravating circumstances).

    When you’re brought to the police station downtown, your car is towed by a private towing company to the nearest towing facility that contracts with the San Diego Polish to hold and ’store’ your vehicle. Before releasing the car back to you they must have a signed release order faxed to them from the San Diego County Police department. The fee for getting your car back will be anywhere from $150 - $350 dollars depending on how long it is held.

    While at the police station in San Diego you’re booked; which means fingerprinted, photographed and a rap sheet is created documenting your stay in the jail.

    Most likely you’ll have to post bail to get out or pay the bail amount yourself. You can contact one of the many 24 hour Bail bonds agencies in San Diego near the downtown jail. They can take care of everything for you while you are in jail with just a phone call. After you’re released you are required to immediately go to the bail bonds office and complete the transaction by signing all the documents that make you agree to appear in court.

    Finally, you’re night should be winding down and you can make your way home to get some rest.

    Next in the San Diego DUI process you’ll want to interview several skilled aggressive DUI lawyers who focus their practice ONLY on DUI defense and limit their practice to cases ONLY in San Diego. If you do that you will be sure to be dealing with a real expert in the local area who knows the district attorney’s office staff and can accurately assess your situation.

    After you meet with several San Diego DUI lawyers you’ll want to retain the one you feel the most comfortable with. Then work with them on your defense by providing them with all requested information and showing up to any suggested activities.

    San Diego DUI Sentencing

    If you get convicted of the DUI, the sentence you’ll likely face in San Diego for a first offense involves:

    • Drivers license suspension for 3-6 months.
    • Court fines.
    • Possible ignition interlock device (depends on situation).
    • MADD victims impact panel attendance.
    • Alcohol assessment and treatment program (most likely 3 months for 1st offenses in San Diego).
    • Work service in lieu of jail time. (must be arranged) This will involve picking up trash along side the highways.

    San Diego DUI Expungement

    After you get through all the initial punishments and sanctions of a San Diego DUI you’ll want to look into erasing your DUI record from your criminal record. This process is called DUI expungement and you’ll have to complete the terms of your probation before being allowed to expunge your offense.

    Expunging your San Diego DUI will enable you to answer ‘no’ on criminal background checks when they ask if you’ve ever been convicted of a criminal offense. This basically makes it like the DUI never occurred so long as you don’t re-offend.

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    Arizona DUI Attorney and Lawyer in Phoenix Arizona

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    Arizona's finest DUI Lawyer can be found at Beauchamp Law Office, P.C., an Arizona DUI Defense law firm that is committed to defending individuals that have been arrested for driving under the influence (DUI) or driving while intoxicated (DWI). The mission of our site is to provide information that will give you a clear understanding of what you are up against when accused or arrested for a DUI. Here at Beauchamp Law Office, our number one priority is to provide first-rate legal representation that will allow you to go on living your day to day life.

    Arizona enforces severe penalties for any DUI offense. Scottsdale, Phoenix, Tempe, Chandler, Glendale, Gilbert, and surrounding cities in Arizona are some of the toughest cities in the country on DUI convictions. Jail time is mandatory unless alternative sentencing can be negotiated. We understand money may be tight but by having an experienced attorney at your side, you have a chance of avoiding jail time, fines, and other harsh penalties.

    At Beauchamp Law Office we pride ourselves on helping each and every client remain innocent until proven guilty. If you have been arrested for a DUI in Arizona, Beauchamp Law Office can help. Time is critical so pick up your phone and call for a free consultation today !

    Read more about 1st Offense DUI, 2nd DUI Offense, 3rd DUI Offense, Extreme, Underage, Felony DUI , and more at

    Have you been arrested for driving under the influence in Arizona?

    Real Case Results at Beauchamp Law Office
    Extreme DUI
    Extreme DUI
    Extreme DUI / Minor
    Extreme DUI
    Extreme DUI
    Dismissed Class 6
    Dismissed Dismissed Dismissed
    at Jury Trial with prejudice

    Extreme DUI
    Phoenix DUI & Underage Drinking Scottsdale
    Extreme DUI
    Extreme DUI
    Dismissed Dismissed Dismissed Plead Same
    Plead Same

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    About Dui In Arizona

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    If you find yourself arrested for Driving Under the Influence of Alcohol (DUI) in the State of Arizona, and you have submitted to a breath, blood, or urine test, and the results of the test reveal a blood/breath alcohol result of .08% or higher, or you have refused these tests, you can expect to be involved in two separate legal proceedings.

    1. A criminal proceeding in court
    2. A civil proceeding with the Department of Motor Vehicles (MVD) and the likely suspension of your driver license.

    These two proceedings are mutually exclusive; the outcome of one will not affect the other. You could win both matters or lose both matters. How the MVD driver license hearing is handled is extremely important.

    The Criminal Proceeding

    Your DUI arrest begins your criminal proceeding. The consequences of this -- plea of guilty, or a verdict of guilty following a jury or bench trial -- could result in mandatory jail time, fines, fees and assessments, supervised or unsupervised probation, as well as a criminal record.

    The Civil Proceeding

    The civil proceeding is conducted before an administrative hearing officer at the MVD. This proceeding deals with a possible suspension of your driver's license, or if from out of state, your privilege to drive in Arizona.

    The arresting police officer will serve you with a "Notice of Suspension." If you have been arrested in Arizona for DUI and you take a breath, blood or urine test, and the results measured a alcohol concentration of .08% or more within 2 hours of driving, or you refuse to take the blood, breath or other chemical test, the arresting police will serve you with a 90 day driver license suspension notice, or in the case of refusal, a 12 month driver license or driving privilege suspension. The police should give you two copies of this form.

    Arizona Residents

    If your test results indicate a result of .08% or higher, the police will seize your Arizona driver license, and issue you a temporary license which is valid for 15 days, or, if you request a hearing within the 15 day window, until the hearing is conducted and the outcome determined. Since the police confiscated your driver license, the yellow copy of the suspension notice is your temporary driver license.

    Non-Arizona Residents

    If you are from out of state, the police cannot seize your driver license. They will serve you with a notice of suspension of your privilege to drive in Arizona. The suspension will take effect 15 days after service unless you request a hearing within the 15 days. If a hearing is requested, your privilege to drive in Arizona will not be suspended until the hearing is conducted and the outcome determined.


    If you refused to take the breath, blood or urine test, the police will serve you a notice of a 12-month suspension of your driver license, or privilege to drive if you are from out of state. This suspension becomes effective 15 days from the date of service unless you request a hearing. If a hearing is requested your driver license or privilege to drive in Arizona will not be suspended until the hearing is conducted and the outcome determined. If your refused to take a breath, blood or urine test, it is likely that the police obtained a search warrant and obtained your blood anyway. If this is the case, your driver license or privilege to drive will still be suspended for 12 months even though the police obtained your blood through the use of a search warrant.

    How to Request A Hearing

    A request for hearing must be submitted in writing to the MVD. Generally, the pink copy of suspension form, furnished by the police, is used to request this hearing. It is important to fill out the information completely and accurately on the back of the pink form. You must check the box indicating you are requesting an Administrative Hearing and mail it, within 15 days of service to you by the police, to: Arizona Department of Transportation, Executive Hearing Office, Mail Drop 507M, P.O. Box 2100, Phoenix, AZ 85001-2100. Do not select Summary Review; this will not get you a hearing, but merely a review of the paperwork submitted by the police.

    Why Is This So Important

    In the criminal case, if you plead guilty to the charge of DUI, or if you are found guilty, you will be sentenced in accordance within the present Arizona DUI sentences Guide. When the State receives notification of the verdict, your driver license will be suspended for 90 days. However, if you are a first offender, or you have had no DUI convictions within the past five years, and if you took the breath, blood or other required test, and if you have been found guilty in the criminal proceeding, or you feel that such a result is likely, then you may wish to agree to a suspension of your driver license prior to or at the MVD hearing.

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    School Loan For consolidation

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    Congress established the Federal Consolidation Loan program as part of the Higher Education Act to help make the repayment of student loan debt easier for student borrowers. A Federal Consolidation Loan allows you to combine all of your eligible Federal Education loans into one loan with a low, fixed interest rate and a flexible repayment plan. There are no fees or credit checks as part of this program.

    Depending on the total amount of student loans that you have you can choose one of several repayment plans with loan repayment periods up to 360 months. The interest rate on your Federal Consolidation Loan will be the weighted average of the current interest rates on your eligible student loans being consolidated rounded up to the nearest 1/8%, or 8.25%, whichever is less. The interest rates on most student loans are based on the Treasury Bill and are adjusted each year on July 1st. This means that currently you have the opportunity to lock in rates before they rise and lower them an additional 1.25% through new incentive programs.

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    Life Insurance

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    The concept of life insurance (also known as ‘life assurance’ or ‘term assurance’) is often difficult to comprehend. Nobody wants to think about death, but the reality is that our loved ones will need support after we have passed on. That’s why has produced an exclusive guide to help you make an educated choice on the type of cover you need.

    Why do I need life insurance?

    Coming to terms with the loss of a loved one is never an easy thing to do and adding financial burden to the grief can make coping increasingly difficult. It can help to support your family after you die, or even a business partner.
    Among the reasons to take out life insurance could include:

    • Mortgage repayments – do you wish to arrange for your mortgage to be paid off?
    • Replacing the primary earner’s salary – ensuring the family does not fall on hard times after your death.
    • Replacing childcare – the death of the primary childcare provider could lead to the need for childcare expenses.
    • Education expenses – cover for school/university fees after the death of the primary earner.

    Whether it’s about leaving your debts behind or ensuring your family can maintain the standard of living to which they were accustomed, it’s clear there are plenty of reasons to look for the best life insurance policy for your personal circumstances. Getting the best quote is an important part of finding the right policy.

    Death has always been a difficult concept to accept but we all know the importance of making sure our loved ones are secure when we have gone. That’s why we’ve compiled an exclusive guide to life insurance. In part two we examine the different types of cover available.

    Different types of life cover

    Life insurance (also known as ‘life assurance’ or ‘term assurance’) is a policy that pays out a lump sum in the event of the policyholder’s death, with the purpose of protecting loved ones and dependents against financial hardship.

    Life insurance is usually available on a single or joint life basis with benefits including paying out on the diagnosis of a terminal illness. If the policyholder is alive when the policy expires no payment is made and, should the policyholder stops paying premiums at any stage, the policy has no value.

    There are several types of life insurance:

    • Level term insurance - designed to pay out a sum of money if the policyholder should die during the policy’s term. The sum assured is guaranteed and remains unchanged throughout the term.
    • Decreasing term life insurance i.e. mortgage protection cover – where the sum decreases during the policy. It is regularly used to protect capital and interest repayments on a mortgage.
    • Renewable term insurance – On the expiry date there is an option to continue without a health review.
    • Convertible term insurance – Level term insurance with the option to revert to whole life or endowment insurance.
    • Increasing term insurance – Due to inflation the value of money declines each year. Consequently, this form of insurance combats that with an escalating sum assured.
    • Index linked term insurance – Some insurers provide the option for the premium to be increased each year in relation to the Retail Price Index.
    • About Pension Term Assurance

      Following the announcement in the Pre Budget Report on December 6th Pension Term Assurance (PTA) is currently no longer available to new customers.

      What does this mean for you?

      I already have a PTA policy in force?
      Your policy will be unaffected and you will continue to benefit from the tax relief

      I applied before December 6th but my application is not yet in force?
      As long as the insurance provider had receipt of your application by midnight on December 13th you will be unaffected by the pre budget announcement and benefit from the tax relief. Your policy will need to be in force by April 5th 2007.

      Please note; if you need to make any changes to your policy, for example amend the sum assured or extend the term, you may not be eligible for the tax relief. In this instance you will need to contact the insurance provider.

      I applied after December 6th?
      You will not be eligible for the benefits and your insurance provider will contact you directly.

      If you have any further questions contact your insurance provider directly.

    • has compiled an exclusive guide to life insurance. In part three we examined pension term assurance and in part four we examine the additional benefits available.

      Endowment life insurance

      These are the equivalent of saving schemes with life insurance attached. They are often carried with mortgages and will pay out any returns at the end of the policy term or a lump sum when the policyholder dies.

      Family income benefit

      This means that the payment on your death will be given to your family in regular payments rather than as a lump sum. The term is chosen at the outset of the policy.

      Additional benefits

      When searching for life insurance cover you can also find additional benefits at an extra cost, including critical illness cover (this is a common additional benefit) and waiver of premiums.

      Critical illness cover is payable on the conclusive diagnosis of a critical illness. Some of the conditions covered in most benefits include (use these as a guide only):

      Alzheimer`s DiseaseAngioplasty
      Aorta Graft surgeryBenign Brain Tumour
      ComaCoronary Artery By-Pass
      DeafnessHeart Attack
      Heart Valve ReplacementHIV/AIDS (under certain circumstances)
      Kidney FailureLoss Of Limbs
      Loss of SpeechMajor Organ Transplant
      Motor Neurone DiseaseMultiple Sclerosis
      Paralysis/ParaplegiaParkinson`s Disease
      StrokeThird Degree Burns
      Permanent Total Disability has compiled an exclusive guide to life insurance. In part four we examined the cover and additional benefits available. In part five we examine ‘whole of life’ insurance and the different types of premiums available.

      ‘Whole of life’ insurance

      This guarantees the payout of a lump sum when the policyholder dies, at whatever time that may be as long as payments are maintained. The premiums and sum insured are guaranteed not to increase for the first ten years. However, they are more expensive as a claim is assured. These come in various forms:

      • Non-profit whole life policies – A level premium payable throughout life. It pays a fixed cash sum at the time of death.
      • With profit whole life policies – Same as non-profit policies but the amount paid on death is the sum assured plus whatever profits have been allocated.
      • Low cost whole life policies – These have a guaranteed level of cover that the amount payable on death is greater than the basic sum plus bonuses or the guaranteed death sum assured.

      Life insurance premiums

      Life insurance policyholders pay premiums into a fund from which all claims are paid out. There are two types of premium available – the guaranteed and reviewable policies:

      • Guaranteed Premiums – The life insurance company guarantees to never increase your policy premium.
      • Reviewable Premiums – You agree that the company can review your policy at set intervals.

      Initially the reviewable premiums will work out cheaper. However, over time these premiums are likely to be increased and therefore the overall cost will surpass that of the guaranteed premium. So generally, guaranteed premiums will work out as a better buy in the long run, but if you are on a tight budget the reviewable premium presents a better short-term option. has compiled an exclusive guide to life insurance. In part six we examine the applicants who may be considered a greater risk and who might be subject to exclusions or higher premiums.

      Taking a risk

      Life insurance is based on probability. Though unforeseen circumstances can cut life short, generally people will fulfill an average life expectancy and it is on this theory that life insurance companies can invest earnings and collect interest. However, for certain groups that probability is reduced and as such they are considered to be of a greater risk for life insurance companies. This could lead to higher premiums and, in some cases, even exclusions. Some of these greater risk groups include:

      • High-risk occupations – For example people who work at great heights, the oil and gas industry (especially offshore), the Armed Forces, pilots, fishermen.
      • Dangerous sports/hobbies – People who take part in such pastimes can be considered a greater life insurance risk. These could include aviation, climbing and mountaineering, motor sports, parachuting, bungee-jumping and even skiing, snowboarding or horse riding.
      • Poor medical history – People with an existing medical condition are considered a greater risk. Examples could include family history, weight issues, bowel conditions, cancer, high blood pressure, etc.
      • Smokers – Smokers are considered a greater risk than non-smokers due to proven links between smoking and some cancers (such as lung and throat cancer) and other serious and terminal diseases. Premiums for both life insurance and critical illness cover increase substantially as a result.
      • Over 60s – Any ten-year life insurance policy that takes you past the age of 70 would require advice from a regulated advisor with full FPC qualifications.

      Bear in mind definitions of high risk occupations, dangerous sports/hobbies and poor medical history can vary from insurer to insurer.

      Consequently, it is important to consider as many life insurance quotes as possible to find the best deal for you. It is also vital to disclose any information which may affect your risk rating because any omitted information can threaten any claim you make in the future.

      Saving money

      Buying life insurance online can save cash as it cuts out the ‘middle man’. At we will compare more than 100 insurance products to find the policy that best suits your needs. Here are some important elements to look out for:

      • ‘Written in Trust’ – If your policy is written in trust then in the event of a claim this means that the money goes directly to the person you nominate. It also avoids your estate paying inheritance tax which could mean a 40% tax saving.
      • Joint life insurance – This is normally written on a first death basis, meaning the policy pays out on the death of the first policyholder. It will save money but bear in mind that it will leave the second policyholder to potentially try and get a new life insurance policy at an affordable premium in old age. Overall it will work out to be more expensive in those circumstances.
      • Critical illness – A life insurance policy with critical illness cover will work out much cheaper than two separate policies. Also remember to differentiate between critical illness and terminal illness cover. Most policies will automatically include terminal illness cover but the critical illness policy will pay out the lump sum for a range of illnesses with no life expectancy criteria.


    Information about loan consolidation student loans

    09.04 / Diposting oleh metallic sucker and moslem militan / komentar (0)

    The Higher Education Act (HEA) provides for a loan consolidation program under both the Federal Family Education Loan (FFEL) Programs and the Direct Loan Program. Under these programs, a borrower’s loans are paid off and a new consolidation loan is created. These programs simplify loan repayment by combining several types of Federal education loans (that may have different terms and repayment schedules or may have been made by different lenders) into one new loan. The interest rate may be lower than on one or more of the underlying loans. In addition, the monthly payment amount on a consolidation loan is usually lower and the amount of time to repay may be extended beyond what was available in the separate loan programs. These features should result in more manageable debt and should make borrowers less prone to default.

    Here are some factors you should consider
    when deciding if consolidation is right for you.

    Are your monthly payments manageable? If you have trouble meeting your monthly payments, have exhausted your deferment and forbearance options, and/or want to avoid default, a Direct Consolidation Loan may help you. Use our online calculator to find out what your monthly payments would be under each of our repayment plans.

    Too many monthly payments driving you crazy? If you send payments to more than one lender every month, and want the convenience of a single monthly payment, consolidation may be right for you. With a Direct Consolidation Loan, you will have a single lender - the U.S. Department of Education - and a single monthly payment.

    What are the interest rates on your loans? If you have variable interest rates on your Federal education loans, you may want to consolidate. The interest rate for a Direct Consolidation Loan is fixed for the life of the Direct Consolidation Loan. The rate is based on the weighted average interest rate of the loans being consolidated, rounded to the next nearest higher one-eighth of one percent and can not exceed 8.25 percent. Use our online calculator to find out what your weighted average interest rate would be if you consolidate with us.

    How much are you willing to pay over the long term? Like a home mortgage or a car loan, extending the years of repayment increases the total amount you have to repay.

    How many payments do you have left on your loans? If you are close to paying off your student loans, it may not be worth the effort to consolidate or extend your payments.

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