tag:blogger.com,1999:blog-319485842024-03-07T21:40:27.296-08:00All about last night.asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.comBlogger151125tag:blogger.com,1999:blog-31948584.post-1169559360135699912007-01-23T05:34:00.000-08:002007-01-23T05:36:00.140-08:00Mortgage Refinancing Confidential – Tips to Help You Avoid Overpaying for Your Next Home Loan<p><B>mortgage</B> <B>refinancing</B> can be an extremely confusing process for many homeowners. Learning the language and reading the fine print on your <B>loan</B> contract is not a task relished by many. Unfortunately, homeowners who neglect this important step in <B>mortgage</B> <B>refinancing</B> often fall for practices such as misleading <B>rate</B> quotes, deceptive marketing, and the bait and switch. Here are several tips to help you avoid overpaying when <B>mortgage</B> <B>refinancing</B>.</p><br /><br /><p>I’m not here to throw stones at <B>mortgage</B> companies; however, the majority of <B>loan</B> representatives and <B>brokers</B> today are only concerned will pulling in a six-figure salary. These people would sooner steal your grandmother’s Social Security check than help her. With that being said it’s up to you to outwit those that would take advantage of you when <B>mortgage</B> <B>refinancing</B>.</p><br /><br /><p><B>mortgage</B> <B>brokers</B> and <B>loan</B> representatives close in excess of 80 to 100 <B>loan</B>s per year. The average homeowner refinances their <B>mortgage</B> every five to seven years. <B>mortgage</B> companies and <B>brokers</B> are very good at what they do and have clever ways of disguising their junk fees and markup. Don’t make the mistake of relying on a <B>mortgage</B> broker to tell you what’s best for your financial situation. Doing your homework and carefully comparing <B>loan</B> offers from a variety of <B>mortgage</B> companies and <B>brokers</B> will ensure that you don’t settle for a good <B>mortgage</B>, but find the perfect <B>mortgage</B> for your situation.</p><br /><br /><p>When doing your homework, keep in mind that there is a lot of bad advice on the Internet, advice that can cost you thousands of dollars. Several examples of bad advice that you’re likely to encounter include:</p><br /><br /><p>+ Only refinance your <B>mortgage</B> if you qualify for a <B>mortgage</B> <B>rate</B> two percent lower than you’re currently paying.<br><br />+ If you have a low credit score (620 and below), you will have to refinance your <B>mortgage</B> with a sub-prime <B>mortgage</B> lender. <br><br />+ The government controls the <B>mortgage</B> interest <B>rate</B> you qualify for when <B>mortgage</B> <B>refinancing</B>. <br><br />+ You can’t refinance your <B>mortgage</B> <B>loan</B> with a bankruptcy until a certain amount of time has passed (anywhere from two to seven years). <br></p><br /><br /><p>Arm yourself with good information when <B>mortgage</B> <B>refinancing</B> and you will avoid 90% of the costly mistakes homeowners make. You can learn more about your <B>mortgage</B> <B>refinancing</B> options, including costly mistakes to avoid with a free, six-part video tutorial.</p><br /><br /><br /><p><b>To get your FREE six-part <B>mortgage</B> <B>refinancing</B> Tutorial, visit RefiAdvisor.com using the link below.</b></p><br /><br /><p>Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. To get your hands on this free video tutorial: "<a target="_new" HREF="http://www.refiadvisor.com">Mortgage Refinancing</a> - What You Need to Know," which teaches strategies for finding the best mortgage and saving thousands of dollars in the process, visit Refiadvisor.com.</p><br /><br /><p>Claim your free mortgage refinancing tutorial today at: <a target="_new" href="http://www.refiadvisor.com">http://www.refiadvisor.com</a></p><br /><br /><p><a target="_new" HREF="http://www.refiadvisor.com/pblog/">Click Here</A></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1169558848659927892007-01-23T05:26:00.000-08:002007-01-23T05:27:28.663-08:00Mortgage Refinancing Information – Paying Points May Not Lower Your Mortgage Interest Rate<p>Paying <B>points</B> when <B>mortgage</B> refinancing can save you money if you plan on keeping your home long enough to recoup the expense. Sometimes <B>mortgage</B> lenders charge <B>points</B> and do not lower your <B>mortgage</B> <B>interest</B> <B>rate</B> at all. Here are several tips to help you avoid wasting money on <B>points</B> that give you no benefit when <B>mortgage</B> refinancing.</p><br /><br /><p><B>points</B>, more specifically “discount <B>points</B>” are prepaid <B>mortgage</B> <B>interest</B> paid in exchange for lowering your <B>mortgage</B> <B>interest</B> <B>rate</B>. One point is one percent of your <B>mortgage</B> amount paid by you at closing and typically reduces your <B>mortgage</B> <B>interest</B> <B>rate</B> by .25 percent. <B>mortgage</B> lenders frequent charge homeowners whatever they like and get away with it because very few homeowners actually read the fine print found in their loan contracts.</p><br /><br /><p>How can you tell if your <B>mortgage</B> company is being honest with you about the <B>points</B> you are paying? Ask your loan representative for various quotes with different point and <B>mortgage</B> <B>rate</B> combinations. For each ¼ percent change in the <B>mortgage</B> <B>interest</B> <B>rate</B> you should only be required to pay one point. If you don’t see the <B>interest</B> <B>rate</B> going down accordingly ask your loan representative to explain the fee.</p><br /><br /><p>Deciding if paying <B>points</B> is beneficial to you is simple to calculate. Simply divide the amount you will pay by the amount you save on your monthly payment and you will have the number of months it will take to recoup your expense. Generally speaking, the longer you plan on keeping the <B>mortgage</B>, the more sense it makes to pay discount <B>points</B> at closing. You can learn more about your <B>mortgage</B> options, including expensive mistakes to avoid with a free <B>mortgage</B> refinancing video tutorial.</p><br /><br /><br /><p><b>To get your FREE six-part <B>mortgage</B> Refinancing Tutorial, visit RefiAdvisor.com using the link below.</b></p><br /><br /><p>Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. To get your hands on this free video tutorial: "<a target="_new" HREF="http://www.refiadvisor.com">Mortgage Refinancing</a> - What You Need to Know," which teaches strategies for finding the best mortgage and saving thousands of dollars in the process, visit Refiadvisor.com.</p><br /><br /><p>Claim your free mortgage refinancing tutorial today at: <a target="_new" href="http://www.refiadvisor.com">http://www.refiadvisor.com</a></p><br /><br /><p><a target="_new" HREF="http://www.refiadvisor.com/pblog/">Mortgage Refinancing Points</A></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1169558754998456142007-01-23T05:24:00.000-08:002007-01-23T05:25:55.003-08:00Mortgage Broker Refinancing-The Broker Might Be Hiding Your Wholesale Lender From You<p>If you are working with a <B>mortgage</B> <B>broker</B> when refinancing your <B>mortgage</B>, that person may be holding the name of your <B>mortgage</B> lender from you. <B>mortgage</B> <B>broker</B>s want to keep the lender’s name under wraps until it’s too late for you to jump ship and contact the lender directly. When working with <B>mortgage</B> <B>broker</B> it is important to keep an eye on everything the <B>broker</B> does to avoid overpaying; here are several tips to help you when <B>mortgage</B> refinancing with a <B>broker</B>.</p><br /><br /><p><B>mortgage</B> <B>broker</B>s are often afraid that if their customers find out the name of the lender behind a particular <B>loan</B> offer, that person will bypass the <B>broker</B> and go directly to that lender. This sounds silly but <B>mortgage</B> <B>broker</B>s make their money from the origination fees you pay and by marking up your <B>mortgage</B> <B>interest</B> <B>rate</B>. If you want to save money when refinancing your <B>mortgage</B>, using a <B>mortgage</B> <B>broker</B> can be an excellent resource if you watch that person like a hawk.</p><br /><br /><p>Once you’ve locked in your <B>interest</B> <B>rate</B> and your <B>mortgage</B> <B>broker</B> has agreed not to mark up your <B>mortgage</B> <B>interest</B> <B>rate</B> with Yield Spread Premium, you have a right to know who the wholesale lender is. If your <B>broker</B> tells you that they cannot tell you the name of the lender, that person is lying to you. At this point you should ask yourself if the <B>broker</B> you are working with is trustworthy and decide if you need to take your business somewhere else.</p><br /><br /><p>Once your <B>mortgage</B> <B>broker</B> has locked in your <B>mortgage</B> <B>rate</B> at the percentage you agreed, ask to see the <B>rate</B> lock from the wholesale lender. If your <B>mortgage</B> <B>broker</B> told you they will not mark up your <B>mortgage</B> <B>interest</B> <B>rate</B> with Yield Spread Premium, the <B>interest</B> <B>rate</B> from the wholesale lender should the same as the guarantee you received from your <B>mortgage</B> <B>broker</B>. Avoiding Yield Spread Premium with your <B>interest</B> <B>rate</B> needs to be your number one priority for your new <B>mortgage</B> <B>loan</B>.</p><br /><br /><p>You can learn more about <B>mortgage</B> refinancing with a <B>broker</B> without overpaying, including costly mistakes to avoid with a free, six-part video tutorial.</p><br /><br /><br /><p><b>To get your FREE six-part <B>mortgage</B> Refinancing Tutorial, visit RefiAdvisor.com using the link below.</b></p><br /><br /><p>Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. To get your hands on this free video tutorial: "<a target="_new" HREF="http://www.refiadvisor.com">Mortgage Refinancing</a> - What You Need to Know," which teaches strategies for finding the best mortgage and saving thousands of dollars in the process, visit Refiadvisor.com.</p><br /><br /><p>Claim your free mortgage refinancing tutorial today at: <a target="_new" href="http://www.refiadvisor.com">http://www.refiadvisor.com</a></p><br /><br /><p><a target="_new" HREF="http://www.refiadvisor.com/pblog/">Mortgage Broker Refinancing</A></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1169558620751257092007-01-23T05:22:00.000-08:002007-01-23T05:23:40.753-08:00Mortgage Refinancing Information-Watch Out For Special Mortgage Deals<p>The majority of homeowners know to avoid unheard-of <B>mortgage</B> rates when <B>refinancing</B> their <B>loan</B>s to avoid <B>mortgage</B> company bait-and-switch tactics. <B>mortgage</B> brokers often play a similar game with <B>mortgage</B> offers and qualifying features. Here are several tips to help you avoid being duped by a deceptive <B>loan</B> offers when <B>mortgage</B> <B>refinancing</B>.</p><br /><br /><p>If you are a homeowner with credit problems in your past, or are trying to finance an investment property, <B>mortgage</B> brokers will sometimes string you along without having a <B>loan</B> offer or even a lender in mind. Brokers often do this to get a <B>loan</B> application and some cash out of you while searching for a <B>loan</B> program that matches your needs. If you fall for trick like this, the broker could lead you on well after you’ve paid for appraisals, inspections, and application fees, only to switch programs when it’s too late for you to do anything.</p><br /><br /><p>Once you’ve agreed to a <B>mortgage</B> offer and locked in an interest rate, the broker will tell you the name of your wholesale lender. If the <B>mortgage</B> broker refuses to provide the name, telling you they cannot reveal the wholesale lenders name, your <B>mortgage</B> broker is simply lying to you and you should find another broker to work with.</p><br /><br /><p>If you’re working with a <B>mortgage</B> broker that has a <B>mortgage</B> <B>loan</B> that no one else has been able to offer you, don’t fall for it unless they are able to tell you the name of the wholesale <B>mortgage</B> lender and give you a solid quote for the <B>mortgage</B>. Falling for a <B>mortgage</B> broker that is simply leading you on while emptying you pockets will fees will only cost you a lot of money and hurt your pride.</p><br /><br /><br /><p><b>To get your FREE six-part <B>mortgage</B> <B>refinancing</B> Tutorial, visit RefiAdvisor.com using the link below.</b></p><br /><br /><p>Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. To get your hands on this free video tutorial: "Mortgage Refinancing, What You Need to Know," <a target="_new" href="http://www.refiadvisor.com">click here</a>. This tutorial teaches strategies for finding the best mortgage and saving thousands of dollars in the process.</p><br /><br /><p>Claim your free mortgage refinancing tutorial today at: <a target="_new" href="http://www.refiadvisor.com">http://www.refiadvisor.com</a></p><br /><br /><p><a target="_new" HREF="http://www.refiadvisor.com/pblog/">Mortgage Broker Refinance Loan</A></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1169558547288336442007-01-23T05:16:00.000-08:002007-01-23T05:22:27.290-08:00Mortgage Broker Refinancing – The Best Interest Rate Should Not Be Your Only Loan Consideration<p>Every wonder why if <B>mortgage</B> <B>brokers</B> have access to so many programs and “great deals,” why doesn’t everyone use a broker when <B>mortgage</B> <B>refinancing</B>? <B>brokers</B> can help you locate <B>mortgage</B> offers that you might not find on your own; however, if you’re not careful you could wind up overpaying thousands of dollars when <B>mortgage</B> <B>refinancing</B>. Here are several tips to help you find the perfect <B>mortgage</B> for your financial situation when working with a <B>mortgage</B> broker.</p><br /><br /><p>The problem with <B>refinancing</B> your <B>mortgage</B> with a broker is that they frequently mark up your <B>mortgage</B> <B>interest</B> <B>rate</B> without telling you to make a profit. <B>mortgage</B> <B>brokers</B> are legally required to disclose this markup of your <B>mortgage</B> <B>interest</B> <B>rate</B>; however it is frequently buried in the fine print of your loan contract. This markup of your <B>mortgage</B> <B>interest</B> <B>rate</B> is called Yield Spread Premium and is an incentive from the wholesale lender for overcharging you. For every .25% you agree to overpay for your <B>mortgage</B> <B>rate</B>, the broker is paid a bonus of 1% of your loan amount.</p><br /><br /><p>Your number one priority when <B>refinancing</B> your <B>mortgage</B> is to find a <B>mortgage</B> that does not include Yield Spread Premium. Tell your <B>mortgage</B> broker that you will pay a reasonable origination free for their services, all necessary third party fees, but will not pay any markup of your <B>mortgage</B> <B>interest</B> <B>rate</B> by their company. This unnecessary markup of your <B>mortgage</B> <B>interest</B> <B>rate</B> by the broker has gotten so bad that the Secretary of Housing and Urban Development was recently quoted that homeowners in the United States overpay $16 billion in unnecessary <B>mortgage</B> <B>interest</B> <B>rate</B>s and closing costs every year.</p><br /><br /><p>You can learn more about your options when working with a <B>mortgage</B> broker, including costly mistakes to avoid with a free, six-part video tutorial.</p><br /><br /><br /><p><b>To get your FREE six-part <B>mortgage</B> <B>refinancing</B> Tutorial, visit RefiAdvisor.com using the link below.</b></p><br /><br /><p>Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. To get your hands on this free video tutorial: "<a target="_new" HREF="http://www.refiadvisor.com">Mortgage Refinancing</a> - What You Need to Know," which teaches strategies for finding the best mortgage and saving thousands of dollars in the process, visit Refiadvisor.com.</p><br /><br /><p>Claim your free mortgage refinancing tutorial today at: <a target="_new" href="http://www.refiadvisor.com">http://www.refiadvisor.com</a></p><br /><br /><p><a target="_new" HREF="http://www.refiadvisor.com/pblog/">Home Mortgage Refinancing</A></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1169557996073037182007-01-23T05:11:00.000-08:002007-01-23T05:13:16.076-08:00Self-Employed Health Insurance Offers Tax Benefit<p>If you are an entrepreneur, or work at home person, you know the importance of having <B>self-employed</B> <B>health</B> <B>insurance</B>. Whether you work out of your home, or at an outside location, being <B>self-employed</B> means only one thing - you will be responsible for the cost of <B>health</B> <B>insurance</B>.</p><br /><br /><p>In the United States, those utilizing <B>self-employed</B> <B>health</B> <B>insurance</B> can face a substantial financial burden. The best that can be made of this expense is to take advantage of every available legal <B>tax</B> benefit. In almost all cases, <B>self-employed</B> <B>health</B> <B>insurance</B> costs are probably a deductible expense for you. These costs, can at least help to reduce your <B>tax</B> burden. To be sure, consult a <B>tax</B> professional for your specific circumstances.</p><br /><br /><p>The United States Internal Revenue Service (IRS) website says the following regarding the utilization of <B>self-employed</B> <B>health</B> <B>insurance</B>: "If you were <B>self-employed</B> and had a net profit for the year, were a general partner (or a limited partner receiving guaranteed payments), or received wages from an S corporation in which you were a more than 2% shareholder (who is treated as a partner), you may be able to deduct, as an adjustment to income, all of the amount paid for medical and qualified long-term care <B>insurance</B> on behalf of yourself, your spouse, and dependents."</p><br /><br /><p>The IRS website goes on to explain that the <B>self-employed</B> <B>health</B> <B>insurance</B> <B>plan</B> must have been established under your business entity. They continue by stating, the deduction for <B>self-employed</B> <B>health</B> <B>insurance</B> premiums cannot exceed the amount of your earned income. Finally, the deduction for <B>self-employed</B> <B>health</B> <B>insurance</B> cannot be claimed for any month in which you were eligible to be covered by your employer (if you have a second job), or your spouse's employer.</p><br /><br /><p>Recording these expenses is quite easy. Should you qualify for the <B>self-employed</B> <B>health</B> <B>insurance</B> deduction, you will find, included with your 1040 <B>tax</B> Package, the <B>self-employed</B> <B>health</B> <B>insurance</B> Deduction Worksheet.</p><br /><br /><p>However, if you had more than one source of income that was subject to self-employment <B>tax</B>, you cannot use the <B>self-employed</B> <B>health</B> <B>insurance</B> Worksheet. In addition, if you are filing either Form 2555 (Foreign Earned Income), or Form 2555-EZ (Foreign Earned Income Exclusion), you also cannot use the worksheet. Finally, premiums and costs associated with qualified long-term care <B>insurance</B> also cannot be used with the <B>self-employed</B> <B>health</B> <B>insurance</B> Worksheet.</p><br /><br /><p>Should you fall into one of the above categories, and are prohibited from using the worksheet to figure your <B>self-employed</B> <B>health</B> <B>insurance</B> deduction, you will find a worksheet in IRS Publication 535 (Business Expenses). Whatever your <B>self-employed</B> situation, you should be able to deduct some, or possibly most of your <B>self-employed</B> <B>health</B> <B>insurance</B> premiums.</p><br /><br /><p>Copyright ©2006 <b>Carl DiNello</b></p><br /><br /><br /><p>Carl DiNello is an Article Author whose articles are featured on websites covering the Internet's most popular topics.</p><br /><br /><p>To read more on this topic, please visit <a target="_New" href="http://healthinsurance.lkr-healthinformation.com/">Health Insurance Information</a>!</p><br /><br /><p>You may republish this article on your website, or e-zine so long as none of the content, or author information has been edited or changed in any way, and all links are left active and unchanged.</p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1169557864620783962007-01-23T05:09:00.000-08:002007-01-23T05:11:04.623-08:00Insurance : Affordable Health Care with a Major Medical Insurance Plan<p>When people are unable to obtain an affordable, employer-sponsored group <B>health</B> <B>insurance</B> <B>plan</B>, they usually figure an individual <B>health</B> <B>insurance</B> <B>plan</B> is their only other option, short of state-sponsored <B>health</B> care. Purchasing an individual <B>health</B> <B>insurance</B> <B>plan</B> is indeed an option, but if you can’t afford it at this time in your life you may want to consider finding affordable <B>health</B> care with a major <B>medical</B> <B>plan</B>.</p><br /><br /><p>When comparing individual <B>health</B> <B>insurance</B> <B>plan</B>s and major <B>medical</B> <B>plan</B>s, you’ll probably find that major <B>medical</B> <B>plan</B>s are generally more expensive. But you’re not looking for more expensive! You’re looking for affordable <B>health</B> care! Rest assured, you can find affordable <B>health</B> care with a major <B>medical</B> <B>insurance</B> <B>plan</B>. While you may spend more on monthly premiums when you purchase a major <B>medical</B> <B>insurance</B> <B>plan</B>, you will save money when it comes to major <B>medical</B> costs – think major surgeries, extended hospital stays, etc. These kinds of <B>health</B> care coverage are much more expensive than, say, a regular check-up. These kinds of <B>health</B> care coverage are also the kinds that will financially break you if you don’t have coverage, or enough coverage, in the event they occur. A regular individual <B>health</B> <B>insurance</B> <B>plan</B> will not cover the same high dollar amount of major <B>medical</B> care that a major <B>medical</B> <B>insurance</B> <B>plan</B> will cover. This is the point at which those higher monthly premiums begin to make sense.</p><br /><br /><p>Having <B>health</B> <B>insurance</B> is important. <B>health</B> care is expensive, and the cost is steadily rising. If you don’t have employer-sponsored group <B>health</B> coverage, and aren’t eligible for a state-sponsored <B>health</B> <B>plan</B>, you must purchase some sort of <B>health</B> <B>insurance</B>. While regular individual <B>health</B> <B>insurance</B> <B>plan</B>s are generally less expensive as far as monthly premiums are concerned, major <B>medical</B> <B>insurance</B> <B>plan</B>s cover a greater portion of the more expensive <B>medical</B> treatments and procedures. Take these factors into consideration when shopping for the most affordable <B>health</B> <B>insurance</B> <B>plan</B> for you.</p><br /><br /><br /><p>To get free <B>quotes</B> and learn more about <B>insurance</B> please visit the following <br />recommended sites.</p><br /><br /><p><a target="_New" href="http://www.ezquoteguide.com/health/">Affordable Health Care with a Major Medical Insurance Plan</a><br><br /><a target="_New" href="http://www.ezquoteguide.com/car/">Where to get the lowest rate home insurance quotes in Vermont</a><br><br /><a target="_New" href="http://www.myquoteguide.com/home-cheap.shtml">Affordable home insurance rates and quotes</a><br></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1169557687358665322007-01-23T05:06:00.000-08:002007-01-23T05:08:07.376-08:00Free Health Insurance Quotes<p>Why waste time calling one <B>insurance</B> company after another to get <B>health</B> <B>insurance</B> <B>quotes</B>? Just as term life <B>insurance</B> rates dramatically decreased in price years ago after the price transparency of the Internet forced <B>insurance</B> companies into greater competition so too shopping for online <B>health</B> <B>quotes</B> is headed the same direction.</p><br /><br /><p>What was once a very time consuming affair is now a matter of taking a few moments to key in basic <B>health</B> information. What was once a process that could involve days and even weeks for agents and <B>insurance</B> companies to prepare proposals – now many companies offer instant and online free <B>health</B> <B>insurance</B> <B>quotes</B>.</p><br /><br /><p>So which <B>insurance</B> company to choose? One of the most important factors in determining the best <B>insurance</B> company for your particular situation is your home zip code. <B>health</B> <B>insurance</B> rates are based on home zip code and <B>insurance</B> companies are more competitive in certain zip codes as opposed to others. Generally speaking you will want to choose a large and well regarded <B>insurance</B> company – not a company that you have never even heard of before.</p><br /><br /><p>Almost all <B>health</B> <B>insurance</B> companies provide free online <B>health</B> <B>quotes</B> at their website. However, it can be quite a chore to try and navigate through all of their different sites and keep inputting and re-inputting your information over and over (let alone trying to figure out if they even offer coverage in your home zip code). You will save money and time and a little bit of a hassle to boot if you compare free <B>health</B> <B>insurance</B> <B>quotes</B> at an independent site that can take your information one time and then show you <B>health</B> <B>quotes</B> from multiple companies side by side in an easy comparison format.</p><br /><br /><br /><p>Search for health insurance the easy way by taking 30 seconds to input your health information and then viewing <a target="_new" href="http://www.healthquote360.com">free health insurance quotes</a> from the top 5 companies that offer health insurance coverage in your home zip code at <a target="_new" href="http://www.healthquote360.com">Health Insurance Quote 360</a>.</p><br /><br /><p>Make sure that you use the price transparency of the Internet to find the most affordable and comprehensive health plan quotes in your home zip code!</p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1169557573315045002007-01-23T03:59:00.000-08:002007-01-23T05:06:13.620-08:00Insurance : What You Need To Know To Qualify for Health Insurance<p><B>health</B> <B>insurance</B> has many requirements and few requirements at the same time. There are many circumstances that may apply to this. A <B>health</B>y person would easily qualify for <B>health</B> <B>insurance</B>, whereas someone with a medical condition or someone who has a history of certain medical conditions would find it very hard to find a <B>health</B> <B>insurance</B> company to cover him or her. The cost of <B>health</B> <B>insurance</B> also varies according to your degree of <B>health</B> and other conditions.</p><br /><br /><p>A person’s life style would certainly be taken into consideration when qualifying for <B>health</B> <B>insurance</B>, for example a librarian would be much more qualified for <B>health</B> <B>insurance</B> than a race car driver. An <B>insurance</B> company is a business after all and are about making money, that’s why it will not want to qualify you for <B>health</B> <B>insurance</B> if they think that you are at you are at a risk of becoming seriously ill or in any type of <B>health</B> danger, for example smokers, or people who consume excessive amounts of alcohol would receive higher premiums. People with diseases such as cancer, AIDS, HIV, and other preexisting conditions would find it hard or nearly impossible to get <B>health</B> <B>insurance</B>.</p><br /><br /><p>Another aspect that is considered when your application for <B>health</B> <B>insurance</B> is being processed is the area where you live. Places with environmental pollutants such as nuclear power plants, landfills, war torn areas and other places where factors in the environment may cause ill <B>health</B> will definitely drive your premium upwards. Age is another factor, for example a twenty year old person would get a very cost effective <B>health</B> <B>insurance</B> package whereas a seventy old person would get an equally or less valuable package for a much greater price. Gender is also a consideration because women generally tend to live longer than men, are less likely to develop heart disease and have lower levels of depression. Marital status is another key area in <B>insurance</B> as married men are apt to live longer with fewer bouts of depression whereas married women have shorter life expectancies and higher stress levels.</p><br /><br /><p>All these factors are called risk factors and people who score on the high end of the scale may find it difficult to find affordable <B>health</B> <B>insurance</B>. However, great strides towards making <B>health</B> care available to everyone have been made and you may find an outreach program in your area that either gets you <B>health</B> care at a discount or provide it free of charge. The American system of Medicaid and COBRA are excellent examples of a <B>health</B> care system working to keep all its citizens <B>health</B>y.</p><br /><br /><br /><p>Find more relevant articles on health related matters at <a target="_new" href="http://www.questionsonhealth.net/">http://www.questionsonhealth.net/</a> a website offering views, opinions and factual resources on topics such as <a target="_new" href="http://www.questionsonhealth.net/Affordable-Health-Insurance.html">affordable health insurance</a>, healthy eating advice and even how to <a target="_new" href="http://www.questionsonhealth.net/prevent-a-cold.html">prevent a cold</a>.</p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1164646194754262782006-11-27T08:49:00.000-08:002006-11-27T08:49:54.756-08:00Loan: Military Personnel Can Get Special Bad Credit Loans!<p>There are different kinds of bad credit personal loans that are offered to different kinds of people. There are bad credit personal loans that are specifically designed for military personnel. Military staff that has bad credit (and doesn’t get approved for any other loan) finds bad credit personal loans to be the best source of funds.</p><br /><br /><p>There are many lenders who realize the importance of military personnel and their contribution towards the nation. They also understand that the members of the armed forces can also have bad credit. This is the reason why many of the lenders specialize in military bad credit personal loans. However, they also know that military personnel have a steady job and a reasonable income and thus, are a lower risk than other people who have bad credit.</p><br /><br /><p><b> Benefits of Active Duty </b></p><br /><br /><p>Military personnel with bad credit always wish to know if they are qualified for low interest rates under the Soldier’s and Sailor’s Relief Act. According to the Act, the service members who availed bad credit personal loans, before being called to active duty, are entitled to lower interest rates. The interest rate gets reduced almost by six percent. In case the loan has been availed through a private lender or a non-military lending service, the borrower or the military member can request the rate to be lowered and the lender is obliged to comply under certain circumstances.</p><br /><br /><p>It is important for the military personnel to be informed about the current military benefits. There are many FAQs that are posted on the Internet where the personnel can find information related to their special credit sources and benefits that they can avail. If bad credit personal loans are obtained through some specialized military lender, it is probable that the interest reduction has already been processed. These lenders usually lend only to personnel who are already on active duty so the lower interest rates are active from day one.</p><br /><br /><p><b> Repayment System </b></p><br /><br /><p><A target="_new" <br />HREF="http://www.badcreditloanservices.com/bad-credit-military-loans.html">Military bad credit personal loans</A> are a good way to help out the military personnel who have poor credit ratings. These loans are repaid through an automatic deduction system. Therefore, there is no risk of missed payments or late payments. Moreover, payments are recorded into the applicant’s credit history and improve the borrower’s credit score month after month.</p><br /><br /><p>Lately military bad credit personal loans are given out through allotment payments. The allotment payment method is an advantage for the lender because he is guaranteed the payment of the loan. The allotment system removes the payment of the loan from the borrower's military paycheck before any net income is distributed.</p><br /><br /><p><b> Online Application </b></p><br /><br /><p>The best thing about articles military bad credit personal loans is that they can be applied for online. The online accessibility gives freedom to the military personnel to apply for the loan from anywhere and the process is very simple and convenient. It also saves a lot of paperwork and provides the applicant with the funds in a shorter period of time.</p><br /><br /><br /><p>Sarah Dinkins is an Expert Loan Consultant in the financial industry that helps people to repair their credit and get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and other types of loans and financial products. <br />At <a target="_new" href="http://www.badcreditfinancialexperts.com/article/">http://www.badcreditfinancialexperts.com/article/</a> she is continually adding new finance articles useful for those in need of professional advice.</p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1164646140188064152006-11-27T08:48:00.000-08:002006-11-27T08:49:00.190-08:00Loan: Top-up Loans Advice<p>If you have a mortgage and are in of more money to help you pay off debts or finance home improvements, then you should consider getting a top-up loan. A top-up loan can help you to put your finances back on track without having to pay vast amounts of interest. If you are unsure about top-up loans and how they can help you, then here is some information to help with your decision.</p><br /><br /><p>What are top-up loans?</p><br /><br /><p>If you have a mortgage loan, then it is likely you can apply for a top-up loan. A top-up loan is in essence a loan given to you at the same rate as your mortgage. It is not a remortgage, but rather a ‘top-up’ of the amount you borrowed. This amount can be used for a variety of purposes, including debt consolidation or home improvements.</p><br /><br /><p>How much can I borrow?</p><br /><br /><p>The amount you can borrow varies depending on the value of your property and how long you have been paying back your mortgage. If you have been repaying your mortgage for less than one year, it is unlikely that you will be eligible for a top up loan. Usually after one year of repayments you can borrow an amount around 10-20% of your mortgage value, and then after two years this might go up to 30%. A top-up loan of 30% is often the highest you can possibly get.</p><br /><br /><p>You can borrow more for less</p><br /><br /><p>The primary advantage of a top-up loan is that you can borrow more money than you would be able to with an unsecured loan, but at a much lower cost. You will only be paying the same interest rate as that of your mortgage, meaning your repayments will remain low. If you need to borrow a large amount of cash, then a top-up loan is one of the cheapest ways to do this.</p><br /><br /><p>No tax benefits</p><br /><br /><p>Although the interest rate is low like a mortgage, the loan is treated as a personal one, and therefore does not have the same tax benefits as a mortgage. There are no tax benefits on the interest of a top-up loan, so you cannot save money this way as you could with a remortgage. However, a top-up loan does not have the same costs associated with a remortgage, so it is cheaper and quicker to set up.</p><br /><br /><p>Risking your home</p><br /><br /><p>Although top-up loans are treated like personal loans in terms of tax, they are still secured using your mortgage and home, and so there is a chance you will lose your home if you do not keep up with repayments. Make sure you can keep up with the repayments even when times are tough, and only borrow what you really need.</p><br /><br /><p>Are top-up loans worthwhile?</p><br /><br /><p>Top-up loans are very worthwhile for homeowners who want to borrow a large amount of cash at a low price without having to remortgage. They are especially good for home improvements, as you can make back the cost of the loan by adding to your property value. However, if you are looking to borrow a smaller amount over a shorter time, then getting a personal loan might be cheaper and less risky.</p><br /><br /><br /><p>Peter Kenny is a writer for The Thrifty Scot, please visit us at <a target="_New" href="http://www.loanwize.co.uk">Poor Credit Loans</a> and <a target="_New" href="http://www.thriftyscot.co.uk/Loans/">Loan</a><br />Visit <a target="_new" href="http://www.thriftyscot.co.uk/">http://www.thriftyscot.co.uk/</a></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1164646032885329312006-11-27T08:45:00.000-08:002006-11-27T08:47:12.886-08:00Loan: Bad Debt Personal Loans – Easy Money for Debt Ridden Borrowers<p>If you have debt that you now find very hard to clear, still there is no problem you would be facing as far as availing a loan is concerned. Bad debt in these days is not at all considered a big hurdle in convincing lenders. There are lenders now who are providing bad debt personal loans to bad debt people. Bad debt personal loans are especially designed considering that people tend to incur bad debt for different reasons. You can utilize bad debt personal loan for various personal purposes like home improvement, paying for medical, wedding and educational expenses, enjoying holiday tour or clearing debts.</p><br /><br /><p>As a debt ridden borrower, your first and foremost concern is interest rate. Bad debt personal loans are available at lower interest rate. But for that you should place any of your property like home or automobile as collateral with the lender. Once the security is in place, the lender is willing to offer greater amount at lower interest rate. On comparing different lenders you can even avail a reduced rate of interest. The loan amount under secured bad debt personal loans depends on equity in collateral and repaying capacity of the applicant. Usually a loan of £5000 to £75000 is what lenders are willing to offer. Secured bad debt personal loans can be repaid conveniently in 5 to 30 years. So you can save money by reducing monthly payment towards installments if larger repayment duration is your choice.</p><br /><br /><p>If you are a tenant or non-homeowner, unsecured bad debt personal loans are best suited. No collateral is required for unsecured bad debt personal loan and instead for assuring timely return of the loan amount, lender will look into your repaying capacity represented by your annual income and financial standing. However unsecured bad debt personal loan is a bit costly as lenders tend to charge higher interest rate for covering risks. The loan amount is kept smaller and repayment duration is shorter again due to risk factors. Take a copy of your credit report and check it for inaccuracies before approaching to a lender.</p><br /><br /><p>It is advisable that you compare as many bad debt personal loans providers on their websites for individual interest rates and terms-conditions. Apply to suitable lender online for a cost free processing and faster approval.</p><br /><br /><p>One can say that for debt ridden people bad debt personal loans are very useful. If the loan installments are paid in timely manner, your credit score also gets improved.</p><br /><br /><br /><p>Tim Kelly is an expert in finance having completed her LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University. To find <a target="_new" href="http://www.baddebtunsecuredloan.co.uk/bad_debt_unsecured_personal_loan.html">Bad debt personal loans</a>, Unsecured tenant loans, Bad debt unsecured loans, Online unsecured loans in UK that best site's you need visit <a target="_new" href="http://www.baddebtunsecuredloan.co.uk">www.baddebtunsecuredloan.co.uk</a></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1164645927994957412006-11-27T08:44:00.000-08:002006-11-27T08:45:27.996-08:00loan: Used Vehicle Finance UK – Buy a Car at Cheap Finance<p>Your preference for buying a used vehicle like a used car is perfectly right for you can own a car at low price that is easily affordable. The loan requirement for a used vehicle also is far lower than of a new one. And if you are looking for the loan, note that used vehicle finance UK is suitably designed for the residents of the UK. Not only the finance is easily available but if availed carefully it will prove to be a source of low cost financing of used vehicle.</p><br /><br /><p>But first concern is where from can you source a used vehicle? Well there are many ways to look for a used vehicle. Local news papers are the first that you would like to see for purchasing a vehicle. Find out if any vehicle auction is taking place around your locality. These auctions are popular for a good bargain. If you return unsatisfied from these sources, then surely you should sit down in front of computer and browse for as many used vehicle sellers as you like to on internet. Also you can search for used vehicle finance providers in UK on internet.</p><br /><br /><p>After searching for suitable used vehicle of your choice, You must know that used vehicle financing is a bit risky for the lender as the price of used vehicle is most likely to fall later in the market and in that case on selling the vehicle the lender may not recover the loan if payment default occurred from the borrower’s end. So lenders take higher interest rate on used vehicle finance in UK. But there is no need to panic as used vehicle come at lower price and so you in fact pay less interest per month as you avail the loan for larger repayment duration. The amount borrowed depends on equity in collateral the borrower has placed with the lender. If higher equity collateral like home is placed, it surely enables in borrowing greater amount.</p><br /><br /><p>If you are a bad credit borrower, just convince the lender that you possess adequate repaying capacity and you will get the loan. The interest rate for a bad credit borrower however may be slightly higher for covering risks. Keep documents regarding income and employment ready.</p><br /><br /><p>Ensure that you buy a problem free used vehicle like a car. Take a report of vehicle history of the car through services like CARFAX. Such a report mentions the major incidents and service record apart from title history of the car. Now that you have checked the car for its history, you should have the car checked from a reliable mechanic for any defects. With some cost many automotive repair shops will inspect the vehicle for you.</p><br /><br /><p>Thus used vehicle finance UK enables you in taking a low cost finance for buying a used vehicle. Pay off the loan installments regularly for escaping debt and for enhancing credit score.</p><br /><br /><br /><p>Gary Grobowski is working as financial consultant for UsedVehicleFinance. He holds a masters degree in Finance. To find used vehicle finance, used vehicle finance store, fast use vehicle finance, <a target="_new" href="http://www.usedvehiclefinance.net/used_vehicle_finance_uk.html">used vehicle finance UK</a> visit <a target="_new" href="http://www.usedvehiclefinance.net">www.usedvehiclefinance.net</a></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1164645843233895002006-11-27T08:43:00.000-08:002006-11-27T08:44:03.236-08:00Mortgage: Ease Your High Interest Mortgage Burden with Refinance Mortgage<p>While mortgage is a method of using your home or property as security against the loan lent you. Refinance mortgage gives you an option to use the same property as collateral and utilize the present low interest rates by refinancing it.</p><br /><br /><p>It serves as a boon to a mortgage borrower who has been paying high interest rates and is unable to bear the costs of loan payment. So with refinance mortgage you can lock the fixed interest rate if it’s lower than what you used to pay earlier. Pay off your credit card debts or you even have an option of consolidating more than two mortgages and merge them into one.</p><br /><br /><p>You actually apply for a secured loan in order to replace an existing high rate mortgage as against the same asset. Refinancing a home mortgage is quite popular due to its benefits to the borrowers.</p><br /><br /><p>Advantages of refinancing mortgage:</p><br /><br /><p> Refinance at a lower rate and bring down the reduced interest cost</p><br /><br /><p> Clear off all high interest debts</p><br /><br /><p> Cut down on the repayment term</p><br /><br /><p> Refinance and avail low fixed rate instead of your adjustable rates</p><br /><br /><p> If your equity rates have increased, liquidate them by refinancing</p><br /><br /><p><b>Avoid risks involved in adjustable rate mortgage:</b></p><br /><br /><p>If you predict that the mortgage rates will increase with the onset of time, you can make a right choice of refinancing it at a fixed rate. You take advantage of the present low rates freeze your interest rates at that. Switch over from an adjustable rate to a fixed rate.</p><br /><br /><p><b>Reduced Interest Rate</b></p><br /><br /><p>Save thousands of pounds over 30 years and also lower your monthly payments. When you freeze at a fixed rate, your interest will never go up inspite of fluctuating loan market it will remain the same as long as the mortgage exists. Even if others are paying off their mortgages at an astronomical rate you will pay less as you would have freezed at a lower rate.</p><br /><br /><p><b>Interest is Tax Deductible.</b></p><br /><br /><p>Interest on mortgage is tax deductible, but not your credit card interests. So if you borrow money through your credit card you can’t take advantage of tax deductibility. This implies that<a target="_new" href="http://www.mortgages-in-uk.co.uk"> refinance mortgage</a> will not only reduce down your interest but also ease your tax burden.</p><br /><br /><p><b>Consolidate High Interest Loans</b></p><br /><br /><p>By consolidating all your high interest loans and remortgaging it you win better rates. If you have equity which has had an increase in its value ever since you last pledged it, you can make use of the positive change in the equity. By consolidating those debts into one single low-interest payment, you can manage to pay off an entire range of high-risk loans and refinance your personal debt into a single second mortgage payment.</p><br /><br /><p>Avail the best out of remortgage or refinance mortgage. Find easy online remortgage loans at the comforts of your home with <a target="_new" href="http://www.mortgages-in-uk.co.uk" title = "mortgage in UK">Mortgage in UK</a></p><br /><br /><br /><p>IVA and <br /><a target="_new" href="http://www.small-personal-loan.co.uk/instant-personal-loan.htm">Instant Personal Loan</a></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1164645765951160272006-11-27T08:42:00.000-08:002006-11-27T08:42:45.953-08:00Loan: Manage Debt With Debt Consolidation Loans<p>There is a famous saying by Francis Quarles that goes like: "Has fortune dealt you some bad cards? Then let wisdom make you a good gamester."</p><br /><br /><p>Nearly every one, some times or the other, goes through situations when misfortune strikes making their financial situations go for a toss. Unknowingly, people start getting trapped in the shackles of debt. But, we should learn to deal with the ‘bad cards’ by using our wisdom. Instead of shying away from the problem of unmanageable debts, one should make endeavors to overcome the obstacle of debt to regain financial stability.</p><br /><br /><p>A few errant and careless deeds, such as over use of credit cards, missing payments of bills, etc may put a person into financial troubles. Making payments randomly to different lenders for multiple debts costs a lot to the borrowers that put them into financial crisis. In addition, it is difficult to manage multiple debts with multiple lenders. A borrower may forget the date of repayment and miss making the payment on time. This not only spoils the relation with the lender but also degrades the credit rating of the borrower.</p><br /><br /><p>Debt consolidation loans will help you win the race against your debts. A thorough research of the consumer debt consolidation industry will enable you to select the right source for the debt consolidation loans. There are <a href=http://www.debt-consolidation-for-the-stressed.co.uk/DebtConsolidation.html target=_blank>personal debt consolidation plans </a>that are customized according to your specific requirements and circumstances. You can also avail a suitable debt consolidation service that will help you to reduce and unify your various account balances so that you are required to make one payment per month. Does not that really simplify the life?</p><br /><br /><p>So, just stand firm and overcome your financial obstacles with judicious use of <b>debt consolidation loans</b>.</p><br /><br /><br /><p><b>About The Author</b>:</p><br /><br /><p>The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Debt-Consolidation-For-The-Stress as a Finance specialist.<br />For more information please visit: <a target="_new" href="http://www.debt-consolidation-for-the-stressed.co.uk">www.debt-consolidation-for-the-stressed.co.uk</a></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1164645701692161942006-11-27T08:41:00.000-08:002006-11-27T08:41:41.693-08:00Insurance: Car Insurance Policy: Insure Your Cars!<p>Whether you are an experienced driver or inexperienced, whether you are a male or a female, as per the law in UK, you should definitely have a car insurance policy, if you own a car. Apart from being a legal liability, owning a car insurance policy is also a personal responsibility. It will insure you against any instance of loss or damage that may happen to your car.</p><br /><br /><p>Almost everybody has a car of his own in this age. With the increase in the number of vehicles, there is also rapid increase of cars in the streets of UK. This has led to a rise in the number of car accidents in UK. To overcome these problems, it is highly imperative for you to own a car insurance policy.</p><br /><br /><p>There are different types of car insurance policies in UK and you can choose from any of these according to your needs and requirements. Third Party Only policy covers all the damages and medical expenses that you injure in an accident. Third Party Fire and Theft policy enables you to cover the loss of your vehicle because of fire or theft. Comprehensive policy is an overall blanket type of car insurance policy, that covers everything—from public liability to personal damages, fire and theft and the loss of contents of your car.</p><br /><br /><p>You should choose carefully from any of these car insurance policies and buy the policy that suits you. Say for instance, if you own an inexpensive car, you must never go for the Comprehensive Policy; you must then procure Third Party Only or Third Party Fire or Theft.</p><br /><br /><p>You can even add some additional services such as breakdown cover, legal protection etc by paying a little extra. Apart from that all insurance companies provide for windscreen protection cover, a 24 hour helpline etc.</p><br /><br /><p>To avail a perfect car insurance policy, you need to do a little groundwork. You must meticulously study the quotes available in the market. With online facilities that are available nowadays, you can easily search for a car insurance policy. With the click of the mouse, you can search and even buy a car insurance policy for yourself. Thus, without any further delay, you must buy a car insurance policy today.</p><br /><br /><br /><p>Henry Bell is an author who can certainly identify the kind of insurance that you will need. He is proficient in the insurance world; he is an MBA(finance) from University of Oxford. Insuranceb.co.uk endeavors to find the best possible deals for its customers. To find <a target="_new" href="http://www.insuranceb.co.uk/car_insurance.html">car insurance policy</a>, Travel insurance, Home Insurance in UK, Van insurance, Motorcycle insurance, Holiday insurance, Pet insurance in the UK visit <a target="_new" href="http://www.insuranceb.co.uk">http://www.insuranceb.co.uk</a></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1164645630710094292006-11-27T08:39:00.001-08:002006-11-27T08:40:30.713-08:00Loan: Quick Cash to Help You in Need-Cash Advance Loans<p>Very often, we face situations, when we need to do something very quick; but lack of money turns out to be a problem. Then, we start thinking about the possibilities to get rid of it, but are left alone without any solution. Considering all these, Cash advance loans are made, which are characterized by their prompt service and easy accessibility.</p><br /><br /><p>Cash advance loans are known by various names in financial market such as “payday loans”, “Paycheque loans”, “Cheque loans” etc. These are actually short term loans and are repaid over a limited frame of time. Quite unlike a secured loan, in Cash advance loans, you need not to place any collateral for the loaned amount. Here, a lender usually bears the risk.</p><br /><br /><p>Cash advance loans are beneficial for you in many respects. First of all, these loans have been specially designed to meet general requirements and daily expenses such paying off electric bills, hospital bills, or any kind of pending bill. Again, here you can earn a reasonable amount of money to combat any immediate problems. This amount of money generally ranges from ₤80 to ₤500. However, you should be aware of the fact that the repayment duration is small, i.e. 1-2 weeks. Once a borrower fails to repay the loaned amount in time, then he needs to pay extra fees with interest. Therefore, it is advised to repay the loaned amount in time to avoid any inconvenience.</p><br /><br /><p>Now, before applying for cash advance loans, you need to do certain homework. Just think about the reason for opting these loans, how much amount of money do you need, whether you are able to repay it and in the event of failure in repayment, whether you can bear the extra fees with interest etc. These will help you to get these loans with all of its facilities.</p><br /><br /><p>You can get Cash advance loans from different financial institutions, lending organizations and banks. However, the online method is said to be the best method for applying these loans. Here, you can get a chance to be close with innumerable lenders and be aware of every latest information.</p><br /><br /><p>Good credit holders are free to use all of its facilities. It does not mean that bad or poor credit holders cannot be benefited with cash advance loans. CCJ holders, defaulters, bankrupts are always free to access all its service and enjoy all its benefits.</p><br /><br /><br /><p>Celeste Parker has been associated with CheapPaydayLoans. Having completed her Masters in Finance from Cranfield School of Management. She provide useful advice through her articles that have been found very useful. To find <a target="_New" href="http://www.cheappaydayloans.org.uk/cash_advance_loans.html">Cash advance loans</a>, No fax payday loans, Same day cash loans, Easy cash payday loans in UK visit <a target="_new" href="http://www.cheappaydayloans.org.uk">http://www.cheappaydayloans.org.uk</a></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1164645568143314982006-11-27T08:39:00.000-08:002006-11-27T08:39:28.146-08:00Loan: Unsecured Car Loans: Avail Unlimited Benefits<p>If you want to seek a loan for buying a car and you don’t want to put your property at risk then an unsecured car loan is the right loan for you. You do not require collateral while seeking an unsecured car loan. This is a great relief for the loan seekers. That is why an <b>unsecured car loan </b>is becoming popular day by day in UK.</p><br /><br /><p>It is easy to seek a car loan these days, because the whole process of seeking a loan has now become online. You can fill up an application form on the website itself, which would reach to different lenders who are dealing in car loans. The lenders may contact you after thoroughly analyzing your case.</p><br /><br /><p>You can seek a cheap unsecured car loan, provided that you should get a right lender. Though, the interest rate is higher with an unsecured car loan but you can get it with competitive interest rates. Apart from that you can also get an extended repayment term, if you have a good credit history.</p><br /><br /><p>There are lots of benefits with an unsecured car loans. The first and the foremost is that you don’t have any to risk your property, which is a very crucial thing. The other one is that the processing of <a href=http://www.ecar-loans.co.uk/unsecured-car-loans.html target=_blank>the loans </a>would be faster as less documentation work is involved. An unsecured car loans have the benefits, which is difficult to find in a secured car loan.</p><br /><br /><p>Now it’s up to you to look for a right lender who can provide you with a cheap secured car loan. You need to compare the deals offered by different lenders and opt for the one, which suits you.</p><br /><br /><br /><p><b>About The Author </b>:<br />The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Ecar-Loans as a finance specialist.</p><br /><br /><p>For more information please visit: <a target="_new" href="http://www.ecar-loans.co.uk">http://www.ecar-loans.co.uk</a></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1164645521327884922006-11-27T08:37:00.000-08:002006-11-27T08:38:41.330-08:00Loan: Free First Time Payday Loan or Cash Advance<p>Many payday loan companies offer a free first time payday loan or cash advance to their first time customers. This simply means that they get free or low interest with no extra fees and charges. Payday loans are short-term cash advances taken to meet emergency financial needs. They are a perfect solution for the emergencies when you need a little extra cash for unexpected expenses or even special occasions.</p><br /><br /><p>Payday loans are generally paid back within two weeks. However, you can extend the payday loan. To extend a payday loan you simply make at least the minimum payment owed on the cash advance. First-time borrowers usually can receive a loan of up to three hundred dollars, which is applied to ensure that they are a legitimate customer and able to repay the loan.</p><br /><br /><p>Some payday loan companies offer their customers a free first time cash advance. This offer usually waives the small processing fee and charges a lower interest rate on the loan. Online application for the loan can be done completely online on the Internet without any difficulty. Most of payday loan companies now offer no faxing application which means that the applicant does not have to submit any documents as part of the application process. This allows for a truly paperless, fax less and inexpensive loan.</p><br /><br /><p><strong>Requirements for first time borrower</p><br /><br /><p></strong>In addition to basic payday loan requirements, there are some criteria that you have to meet in order to become eligible for first time payday loan borrower:</p><br /><br /><p>- Not having applied for a payday loan in the past or from the present company<br><br />- The applicant must have a checking account that is at least 3 months old<br><br />- The applicant must be currently employed, making at least one thousand dollars take home salary per month</p><br /><br /><p>Applicants are usually refused the payday loan if:</p><br /><br /><p>- They have filed for bankruptcy within the past year, or have filed multiple times<br><br />- They are currently unemployed<br><br />- They have been employed at the present job for 5 months or less<br><br />- They have an outstanding payday loan and/or unpaid returned checks<br><br />- They have a newly opened checking account<br><br />- They have multiple NSF/Overdraft fees in their checking account<br><br />- Their monthly income is below one thousand dollars<br><br />- Their contact information/reference information is invalid<br><br />- The loan company is unable to successfully identify personal information<br><br />- The loan company is unable to verify bank account information<br></p><br /><br /><br /><p>Visit our site to compare some companies that offer <a target="_new" href="http://www.megacashloan.com/no-creditcheck-loan-one-hour.html">no credit check payday loans</a> online. With <a target="_new" href="http://www.megacashloan.com/">wire transfer payday loan</a> you get the cash deposited into your bank account in <br />24 hours. Check out also how you can get <a target="_new" href="http://www.megacashloan.com/payday-loan-nofaxing-creditcheck.html">no faxing and no credit check loan</a> here.</p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1164645384698478192006-11-27T08:35:00.000-08:002006-11-27T08:36:24.700-08:00Loan: 5 Questions To Ask Yourself Before Getting A Student Loan<p>With the rising cost of education nowadays, student loans is one of the best ways to pursue your tertiary education since many students cannot afford to pay the education fees. However, before taking the plunge and taking up a student loan, you need to ask yourself the following questions to decide the type of student loan that you need.</p><br /><br /><p>The Types Of Student Loans</p><br /><br /><p>There are 2 main categories of student loans currently available. Government student loans which are loans carried out by the government and private student loans which are provided by the private sector. There are pros and cons to each but generally government student loans have lower interest rates, are quite easy to get approved since they do not take into account of your credit history.</p><br /><br /><p>For private student loans, the interest rates are usually higher but they allow greater flexibility when repaying the student loans.</p><br /><br /><p>Student Loan Amount</p><br /><br /><p>Generally speaking, government student loans are usually fixed amounts depending on your education level. For private student loans, the amount that can be loan is more varied and depending a lot on your credit history and the repayment plan.</p><br /><br /><p>It is recommended to borrow only the amount of money you need for your education. To do that, you need to estimate how much you will need during the course of your studies. You will need to factor in expenses such as accommodation, living expenses, school/textbooks fees and other miscellaneous expenses.</p><br /><br /><p>The Period Of Student Loan</p><br /><br /><p>Both government and private student loans provide loans which can last anywhere from 1 year to 20 years. For longer loan periods, you need to factor in the interest rates since you can end up paying a lot for interest and every little for your principal student loan amount.</p><br /><br /><p>You need to determine how much you can pay per month after you graduate and have a buffer of at least 3 to 6 months in the event you are jobless.</p><br /><br /><p>Other Outstanding Loans</p><br /><br /><p>If you have other outstanding loans as well, you might want to consider consolidating the loans before getting another student loan.</p><br /><br /><p>Without proper discipline and control, repaying multiple loans can be a huge financial strain. It is better to clear all your outstanding loans before getting a student loan. You can get better interest rates for your student loans as well since you have better credit score.</p><br /><br /><p>Interest Rate</p><br /><br /><p>The interest rates will vary from lender to lender. Government student loan interest rates are usually fixed and pretty low. Private student loans interest rates varies depending on the type of payment plan you choose.</p><br /><br /><p>If you just want to repay a fixed amount per month without worrying about interest rates, it is best to get a government student loan with fixed interest. That way, it is easier to plan your financial budget.</p><br /><br /><br /><p>Ricky Lim works in a finance company specialising in <a target="_new" href="http://www.about-studentloan.com/articles/Direct-Student-Loan-Consolidation.html">direct student loan consolidation</a>. Visit his site for <a target="_new" href="http://www.about-studentloan.com/articles/Student-loan-consolidation-rates.html">student loan consolidation rates</a> and get a <a target="_new" href="http://www.epromote.info/student.htm">free student loan consolidation quote</a></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1164645273863090752006-11-27T08:33:00.000-08:002006-11-27T08:34:34.036-08:00Insurance: Auto Insurance - The Simple and Effective Method to Getting A Good Quote<p>For many people seeking auto insurance coverage, it is usually a seemingly confusing ordeal. They usually have no idea where to start or what the first step should be. It is difficult task having to go through every insurance company hoping to find one that meets your needs. That is the difficult, time consuming method. There is an easier, simpler method to getting good cheap car insurance.</p><br /><br /><p>It is best to start with some insurance quotes. These insurance quotes are completely free and works to your advantage for multiple reasons. First it provides you with the rates of multiple companies which gives you an idea of what companies are generally quoting for your particular insurance need. This is to your benefit because it ensures that you are not in the dark. Two, the best insurance rates are sent to you rather than you searching blindly. Three, it saves you the time in making the best choice out of a confusing multitude of insurance companies.</p><br /><br /><p>After getting a couple of quotes you are now prepared to search for an insurance company or broker that meets your needs. The advantage here is that you now have an idea of what a good insurance rate should be. You can search for an insurance company or a broker online that can provide your needs. You can do this over the phone or even better on the internet. It is fast and saves you the time of talking needlessly on the phone listening to someone trying to pitch you a sale. You can also avoid repeat calls from people you would rather not talk endlessly and repeatedly with.</p><br /><br /><p>Using this approach of first getting some quotes before seeking coverage from an insurance company you can get the best, cheapest car insurance possible with out fail. It is also a good idea even if you already have auto insurance to search just to see if you can get a better quote for your next renewal. You can search for a better cheaper car insurance even you are not a first timer. With the information you have you will have tons of companies wanting to serve you rather than the opposite and in the process save yourself a ton of money.</p><br /><br /><p>One thing to look out for is to always make sure the insurance quote you get is both cheap and has the adequate coverage for your area or state. Some states require full or maximum coverage while others require a minimum or basic coverage to have your car on the road. This has to do with passenger, uninsured motorists coverage, deductibles and the like. It is important you bear this in mind so you don’t end up buying cheap but ineffectual car insurance. It is always a good practice to use a reputable provider as they always take this into consideration and they meet their insurance obligation when it is time to do so.</p><br /><br /><p>With all that said the fasted way to execute and complete your search for cheap car insurance is to use the internet. You can get multiple car insurance quotes fast and from multiple companies all in one go, find companies that match your needs and sign up for your coverage without leaving the comfort of your home. Even better most car insurance companies will also provide you with a discount when you apply and get your auto insurance online.</p><br /><br /><br /><p>For more tips on how to get low cost <a target="_new" href="http://www.top-insurance-quotes.net/auto-insurance-quotes.php"> auto insurance quotes</a> or how to find <a target="_new" href="http://www.top-insurance-quotes.net/life-insurance-quote-online.php"> other insurance quotes</a> visit <a target="_new" href="http://www.top-insurance-quotes.net">http://www.top-insurance-quotes.net</a></p>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1157986352113585892006-09-11T07:47:00.000-07:002006-09-11T07:52:32.126-07:00Home Equity Line of Credit (Cash Out Refinance)<h1>Home Equity Line of Credit (Cash Out Refinance)</h1><br /><br /><p>A <b>home</b> <b>equity</b> Line of <b>credit </b>(HELOC)</p><br /><br /><p>A <b>home</b> <b>equity</b> Line of <b>credit </b>is like a <b>credit </b>card. You can borrow money up to your <b>credit </b>limit, and you only get charged interest on the portion that you borrow. You can pay down the balance, then reuse the credit. Most have a draw term, usually 5 to 10 years, where you can draw money out, then the <b>loan</b> is paid back over a 10 to 15 year period. You may also elect to refinance the <b>equity</b> Line and get another 5 to 10 years to use the line of credit. However, Cash Out Refinance is paying off the existing mortgage and acquiring a new <b>loan</b>. The difference between the pay off balance and the new <b>loan</b> goes back to you as a cash. Example, if the existing pay off balance is $100,000 and the new <b>loan</b> is $120,000, then $20,000 less closing cost goes to you as cash. Since rates on <b>home</b> <b>equity</b> Line of <b>credit </b>( HELOC ) are usually higher than the regular mortgage rates, one might as well cosider refinancing the whole mortgage and pay off the first even though the <b>loan</b> amount of HELOC ( 2nd <b>loan</b> ) is usually much smaller than the first mortgage.</p><br /><br /><p>You choose what you want to do with your <b>home</b> <b>equity</b> line of <b>credit </b>or Cash Out money:</p><br /><br /><p>Remodel your <b>home</b> <br><br />Take a vacation <br><br />Consolidate bills <br><br />Buy a car, boat or RV <br><br />Finance tuition or other expense <br><br />Use it as an emergency fund</p><br /><span class="fullpost"><br /><p>There are many features of HELOC <b>loan</b> programs. Ask your <b>loan</b> Officer to help you decide which is best for you.</p><br /><br /><p>Great Rates: rates can be below the prime rate on some programs. <br><br />No <b>loan</b> Fees: No appraisal fee or closing costs. <br><br />Convenient Closings: Some programs allow doc signing in your <b>home</b>. <br><br /><b>credit </b>lines or maximum <b>loan</b> limits vary with each program. <br><br />Pricing varies with the LTV. <br><br />Accessing the cash in your <b>credit </b>line can be done by writing a check, charging on a <b>credit </b>card or making a withdrawal at a financial center. <br><br />Many of these programs have an early termination fee. <br><br />Some programs may offer a fixed rate <b>loan</b> option feature, where you can lock in a fixed rate on all or a portion of your outstanding balance. <br><br />Pricing is based on your <b>credit </b>Score. These cutoff limits are fairly strict, so if your score is just below the next higher range, you may want to discuss how to improve your score with your <b>loan</b> officer. <br><br />A HELOC is usually 100% tax-deductible*, and a smart way to consolidate debt, pay for <b>home</b> improvements, new automobiles, student <b>loan</b>s or even vacations or weddings.</p><br /><br /><p><b>home</b> <b>equity</b> Fixed Rate <b>loan</b></p><br /><br /><p>You may prefer a <b>home</b> <b>equity</b> fixed rate <b>loan</b> compared to a HELOC. <b>home</b> <b>equity</b> fixed rate <b>loan</b>s offer a wide variety of amortization periods (length of time to pay it back), more choices for people with less-than-perfect credit, fixed rates so your rate can never go up and the interest paid may also be tax-deductible*!</p><br /><br /><p>* It is recommended that Customers consult their tax advisor. Not all <b>loan</b> fees or interest payments are tax deductible.</p><br /><br /><br /><p>George Tesfa. Sr. Loan Officer / Manager<br><br />American Mortgage<br><br />Houston, TX.<br><br /><a target="_new" href="http://www.Amerimort.com">http://www.Amerimort.com</a></p><br /></span>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1155127241310117282006-08-09T05:39:00.000-07:002006-08-09T05:40:41.316-07:00Legal : Lemon Laws Protect The Consumer<h1>Lemon Laws Protect The Consumer</h1>By Keith George<br><br>Lemon laws are United States’ Laws designed to protect the rights of consumers. They are usually used for vehicles but apply to all commercial articles. In this article we will concentrate on Lemon Laws as applicable to vehicles. A lemon is a term used to describe a new vehicle that needs excessive repair even though it is new. It has to meet the following criteria:<br /><br><br /><br>Age. Usually for vehicles less than a year old.<br /><br><br /><br>Warranty. Usually within the warranty period. In some states the warranty period is not recognized and the cases may be entertained even if the vehicle is out of warranty period depending upon the discretion of the court. The rights of consumers by virtue of Lemon laws may exceed the warranties given by the manufacturer.<br /><span class="fullpost"><br><br /><br>Repairs. The vehicle needs frequent identical repair, usually at least 4 times. The repairs should be major repairs that affect the operation, safety and value of the vehicle.<br /><br><br /><br>Down Time of the Vehicle. If the vehicle is down for more than 30 days in a year due to defect then it comes under the ambit of lemon laws. The 30 days need not be consecutive days.<br /><br><br /><br>The lemon laws cover only new vehicles and not used vehicles. The vehicle owners should note few points that help in proving the case in court.<br /><br><br /><br>Repair Order. A repair order should be obtained for every repair visit. The repair order should detail date, problem or diagnosis and attempted repair on the vehicle.<br /><br><br /><br>Purchase documents. Purchase documents like contracts, warranties, bills etc should be preserved.<br /><br><br /><br>Lemon Law Notice. A lemon law notice should be served to the manufacturer for a refund or a replacement vehicle. The manufacturer should respond within 30 days. For normal wear and tear in the lemon vehicle there should be no deduction from the manufacturer.<br /><br><br /><br>Manufacturer’s Arbitration Program. Some states make it mandatory to use the manufacturer’s arbitration program if available before suing them in court.<br /><br><br /><br>Attorney. Utilize the services of an attorney as they are aware of the details of the laws. Many lawyers work on contingency basis, which means that you pay the lawyer if you win the case. Usually the courts award double the cost of the vehicle plus the cost of litigation if you win. Most such litigations are settled outside the court, so it is wise to hire a competent lawyer who can negotiate to your benefit.<br /><br><br /><br>As with most laws, Lemon laws vary from state to state, however the principle remains the same, which is protection of the consumer’s interest.<br /><br><br /><br>About the Author: Keith George always writes about valuable news & reviews. A related resource is <a href="http://lemon-laws-inflorida.info/">Lemon Laws</a> Further information can be found at <a href="http://more-on-health.info/">Trends & News</a><br /><br><br /><br>Source: <a href="http://www.isnare.com">www.isnare.com</a></span>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1155127178264687312006-08-09T05:38:00.000-07:002006-08-09T05:39:38.266-07:00Legal : Medical Malpractice – Is The Nhs The Worst Offender?<h1>Medical Malpractice – Is The Nhs The Worst Offender?</h1>By Lucy Bartlett<br><br>Doctors sued by patients, insurance companies sued by doctors and doctors sued by insurance companies; nowadays, this is the prevailing situation in the Health care industry. Greater responsibility or the lack of it, rather than negligence is implicated by the word “malpractice”. In the US a specific medical malpractice law is in force to bring justice to the patients. In UK, a doctor will be liable only when proved to have not acted in accordance with the medical body’s opinion. In a lengthy and complicated battle, patients who feel that they are treated wrongly or given misinformation about illness can approach the law for compensation.<br /><span class="fullpost"><br><br /><br>Every year, thousands of people are facing death due to medical errors which can be prevented with little bit of effort. Instead of reforming the medical system to prevent these pointless injuries and deaths, the rights of injured persons to get full recovery from the law is being limited by the efforts of insurance companies and doctors.<br /><br><br /><br>Even clinics, hospitals or medical corporations can be sued for the mistakes committed by their employees under “vicarious liability”. We associate the expression “medical malpractice” with doctors in general but in can be caused by any medical service provider such as nurses, therapists and dentists. <br /><br><br /><br>The patient who suffers damages due to medical malpractice should prove that the doctor or any other medical service provider failed to do what a prudent health care provider in a similar field would have done under similar or same circumstances. Because of this breach, the patient suffered damage or loss and fairly reasonably the defendant should pay for the damages caused by malpractice.<br /><br><br /><br>Medical malpractice claims are filed nearly ten times less frequently in Great Britain than they are in America. Compared to American patients, the British patients normally adopt a less adversarial stance towards medical malpractice.<br /><br><br /><br>It is mostly patients taking treatment through NHS that normally complain about not getting correct medical treatment, environment and building where healthcare is provided, lack of or incorrect information, inordinate delay and staff behaviour. These types of complaints should be lodged within six months from the time of treatment.<br /><br><br /><br>To end on a lighter note, a cancer victim who was told that he is expected to live only 3 more months, gave up his well paying job and prepared himself to face the impending death. (Un)fortunately, he outlived all the predictions and sued the hospital claiming compensation for the loss of his well paid job. A medical association spokesman found this astonishing and commented that people these days sue for anything!!<br /><br><br /><br>Find more info at <a href="http://www.onlinelawsuitresource.info" title="http://www.onlinelawsuitresource.info" target="_blank">http://www.onlinelawsuitresource.info</a><br /><br><br /><br>About the Author: Lucy Bartlett is a proud contributing author. Find more articles <a href="http://consumerresourcesportal.info/">here</a>. For more info visit <a href="http://onlinelawsuitresource.info/">Lawsuit Resource</a> or <a href="http://onlinelawsuitresource.info/malpractice-lawsuits.htm">Malpractice</a><br /><br><br /><br>Source: <a href="http://www.isnare.com">www.isnare.com</a></span>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0tag:blogger.com,1999:blog-31948584.post-1155127084093052512006-08-09T05:36:00.001-07:002006-08-09T05:38:04.100-07:00Legal : When Do You Need Mesothelioma Attorney<h1>When Do You Need Mesothelioma Attorney</h1>By NamSing Then<br><br>Mesothelioma is a type of preventable cancer that is caused by inhaling the dust or particles of the deadly mineral Asbestos. The symptoms range from shortness of breath, chest pains, and persistent cough in the early stages to abdominal pain, swelling and tumors growing in the tissues that surround the heart and if left untreated could cause death within 24 months.<br /><br><br /><br>It has a long latency period in that the symptoms of the disease can take many years to manifest, making both diagnosis and effective treatment very difficult. Therefore, people who worked with asbestos industry perhaps thirty or forty years ago are only now being diagnosed with this disease.<br /><span class="fullpost"><br><br /><br>Many employers and manufacturers knew about the dangers of asbestos when they exposed employees to this material, but deliberately kept quiet and as the effects of this exposure are coming to light, these companies are being forced to pay out millions to sufferers. As more cases of Mesothelioma are reported, a wide range of lawyers and law firms have started to specialize in Mesothelioma law suits to get victims and their families the compensation they deserve.<br /><br><br /><br>Choose an attorney immediately after diagnosis, because there is a time limit set with regards to how long you have to take action against the Company. This varies from State to State and failing to adhere to this could render your case ineligible.<br /><br><br /><br>Look only for those experienced in dealing with Mesothelioma lawsuits as they will have the resources and contacts to deal with your case quickly and efficiently. You can search the Internet for a suitable attorney as this will enable you gauge how much experience each lawyer had in dealing with these lawsuits.<br /><br><br /><br>You need to discuss your case with your Attorney threadbare who will then evaluate your case and provide you with the options like whether you should pursue your case and if so which direction to take it in. as he should present a water-tight case.<br /><br><br /><br>Many attorneys will arrange for out of court settlements with substantial compensation payments, wherein you will not have to pay your attorney since a percentage of the compensation claimed will be collected by the attorney as contingency fee. And if they are not successful in getting compensation then you do not have to pay anything.<br /><br><br /><br>Even when the symptoms do become evident, they are so generalized and non-specific that they could be put down to any number of more common diseases which makes it difficult for your attorney to prove that it indeed was Mesothelioma and so also you could be unsure of when and where you were exposed to asbestos and your attorney will need to hire someone to look into this.<br /><br><br /><br>About the Author: NamSing Then is a regular article contributor on many topics. Be sure to visit his other websites <a href="http://www.lawyer-foryou.info/sitemap.html">Lawyer</a>, <a href="http://www.duilawyer-foryou.info">DUI Lawyer</a> and <a href="http://www.researcher-hub.info">One Stop Information</a><br /><br><br /><br>Source: <a href="http://www.isnare.com">www.isnare.com</a></span>asshurhttp://www.blogger.com/profile/00270523893983271707noreply@blogger.com0