Archive for May, 2007

Secured Home Equity Loan Gives Debt A Good Name

Thursday, May 31st, 2007
)? Visit our site today and learn how mortgage quotes ( ) and the right home loan lender
) can help you out with your cash problems.

Please use the HTML version of this article at:

Secured And Unsecured Loans

Thursday, May 31st, 2007, a premier resource in the
financial world.

Please use the HTML version of this article at:

A Student Loan Consolidation Center Offers Finacial Relief

Wednesday, May 30th, 2007 His other article sites

Please use the HTML version of this article at:

Beware When Taking Out A Debt Consolidation Loan

Tuesday, May 29th, 2007

Debt consolidation loans, used properly, can be the solution to
a financial nightmare. If you have lots of different debts such
as loans, credit and store cars, HP etc, all paying varying
rates of interest, then a debt consolidation loan could be for

These loans do exactly what it says on the tin – they
consolidate all your debts, and pay them off, leaving you with
just on monthly commitment to meet each month and, normally, at
a larger rate of interest.

The benefits are two fold =96 you pay less in interest overall
(for example, a typical loan is around 7=978% APR, while a credit
card is anything from 13% APR upwards) and you also have the
physiological benefit of knowing that just one payment has to
be serviced every month as opposed to worrying about paying
bits and pieces here and there.

That is how debt consolidation loans should be used. So that at
the end of the term, you have paid your debts off and are debt

However, you do need to have financial determination and
restraint if this is the route you go down, as sadly many
people accumulate further debt. Many people pay off their
existing debts and replace it with a debt consolidation loan,
but still keep hold of their credit card `just in case’. Then,
before they know it, they have maxed it up to it’s limit and
are in an even worse financial position than before.

In fact, recent research from financial website
showed that three out of five consumers who do take out debt
consolidation loans end up even further debt.

And just a quarter of people actually clear their debts early
after having taken out a debt consolidation loan.

So, if you do take out a debt consolidation loan, cut up all
your credit cards, remove any authorised overdraft from your
bank account and don’t take out any further credit!

About The Author: Jason Hulott is Business Development Director
at homeowner loans service, PolarLoans
( Visit PolarLoans now for more
information about Homeowner and Secured Loans.

Please use the HTML version of this article at:

Graduate Student Loan Options Tips And Advice

Tuesday, May 29th, 2007

Have you decided its time to look into your graduate student
loan options? You will be happy to know that there are plenty
of options to choose from. Graduate student loans are a big
investment for any student, however many lenders help students
achieve their higher education goals by offering different
terms and rates.

Federal Loan Options

Federal student loans can be given to students who need a
graduate student loan. There is Stafford loans and Graduate
PLUS loans for professional and graduate students. These are
excellent options, and the least expensive options for student
to borrow money for their graduate student loan needs. All
students should first exhaust Stafford loan options, and then
apply for and consider a graduate PLUS loan to help you meet
the financial needs of going to graduate school.

Another option that may appeal to you and fit your specific
situation is a private student loan. This is an option for you
to get a graduate student loan without taking the path to
applying for a Stafford loan, or Graduate PLUS loan. This may
also be an option to help you meet the needs not meet by a
Stafford or Graduate PLUS loan, or any other loan.

Private Lenders

To help you obtain a graduate student loan there are many
private lenders with several excellent programs that are worth
you looking into. Do not be discouraged by the stress and time
it takes to research your options. A graduate student loan is
needed to fund your higher education needs so this makes all
the research worthwhile. Look for a loan with low fees and
competitive interest rates. Also look for specific options for
repayment that meet you financial needs before and after your

The key is to look at the long term because as you know
financing your education is very expensive. The long term
effects of your graduate student loan may be difficult to
swallow; however the education you will receive is priceless.
Research is thus the key to getting the best graduate student

Your graduate student loan options can also be changed and
doors or opportunity may open for you depending on what type of
school you are going to. If you are going to school for a
certain education such as business, law or medicine, you may
want to research what private lenders offer these students to
help them obtain a graduate student loan.

About The Author: John Mailer latest articles look at students
finacial problems when they go to college and the best student
loan consolidation ideas. These articles are at His other article sites

Please use the HTML version of this article at:

How Free Giveaways Can Help Get You All The Mortgage Clients You Want

Tuesday, May 29th, 2007

Offering free giveaways to mortgage prospects and clients is a
powerful business building strategy that can result in a flood
of new and repeat mortgage clients.

It may seem counterintuitive to give away your services to
build your business; however, people can’t resist the lure of
receiving something for free. The word free, as worn out as it
may seem, is still the most powerful word in marketing and has
a hypnotic effect on people.

Why Free Giveaways Work

The reason free giveaways work so well is two-fold. First,
prospects that test your service risk-free will hopefully
recognize its value and want more of what you have to offer. Or
even better, your prospect will get “hooked” on your service and
become loyal lifetime client.

Second, the fact that your mortgage advice was given to your
prospects as a free gift will compel them to return the favor
by continuing the relationship with you. This principle is
called the “Law of Reciprocity,” which simply states that
people naturally feel an obligation to return favors as a way
of expressing their thanks.

Information – The Ultimate Free Giveaway

Ideally, it’s best to offer free giveaways that are low cost
but have a high perceived value to the person you are giving it
to. Information is a great example of a free giveaway that has a
low product cost and a high perceived value. This is why it’s
smart for mortgage professionals to use special reports
containing “insider” information as a free giveaway for lead

Your free information could come in the form of a written
document, an audio CD, a 1-on-1 consultation or a live seminar
that your target market would be interested in. Regardless of
what form you choose to deliver your free information product,
the key is to make it relevant and valuable to your target
market. If done right, your free educational resource will
instantly position you as a “trusted advisor” and “expert” in
your industry.

Free Giveaway Case Studies

There are a myriad of ways to offer a free giveaway and many
effective types of giveaways (other than information) that your
mortgage business can use to attract a steady flow of new
clients. The following are a few ideas on how to give away
information to close more deals with less effort:

Idea #1 – Free Special Report

Start by jotting down the most important things your target
market needs to know to avoid mistakes, minimize risk,
eliminate frustration and have a stress free financing
experience. What comes to mind might seem elementary to you but
these little “secrets” can truly make a world difference to your
prospects. Once you’ve created your outline, go ahead and start
writing your report. If you’re too lazy to do that, consider
enrolling in my Mortgage Superstar Coaching Program, where I
provide 5 “Done for You” reports that you can use right away!

Idea #2 – Free Audio CD

Offer a free audio CD to your prospects and newsletter
subscribers. Audio CD’s are simple to produce (I take you
step-by-step through the process of creating your own audio CD
in my coaching program) and it’s very inexpensive.

Idea #3 – Free Checklist

People love step by step direction and guidance. People love
simple steps that they can follow. Why not take what you know
and create a checklist that you can offer as an “ethical bribe”
for lead generation efforts.

To attract new clients you should offer your free giveaways to
prospects that haven’t yet done business with you. You might
even partner with a non-competing, but complimentary business
and do a joint venture offer where they endorse your free offer
to their client database.

Justify Any Deal That’s “Too Good To Be True”

If your offer that includes free giveaways appears “too good to
be true” to your prospect, it could decrease the believability
and credibility of your offer. To avoid this you should always
give the reason why you can offer such a great deal.

Remember, your prospect is very skeptical and has good reason
to be. We’ve all been duped at one point in time by a “too good
to be true” scam. Furnishing your prospects with the reason why
you can offer them such a good deal helps them to logically
reconcile your offer in their minds. In turn, this will give
your prospect the comfort level needed to act on your offer.


Using free giveaways is an effective mortgage marketing
strategy if used correctly. Think about what you can offer
free-of-charge that your prospects would consider valuable and
that you can give at a low cost to you.

About The Author: Doren Aldana, is a leading mortgage marketing
consultant for mortgage industry, dedicated to helping mortgage
professionals closed more deals with less effort. Pick up The
21-part Audio Seminar, “21 Secrets of Superstar Mortgage
Brokers and Loan Officers!”

Please use the HTML version of this article at:

Government Student Loan Consolidation Simplified

Tuesday, May 29th, 2007

Once a grantee needs to start paying his student loans, it is
advisable that he seek loan consolidation. Student loans
usually have varying interest charges, but with consolidation,
the grantee is commonly locked into a lower interest rate and
installment amounts, and therefore a loan easier to pay.

The Process Of Consolidation

Loan consolidation is simply taking out the existing loans from
lenders and pooling them into a single loan. Taking out means
the consolidator pays each lender a balloon payment for the
outstanding loan balance, thus assuming the loan risks. The
consolidator then restructures the loan, resulting in lower
repayment amounts, but usually a longer payment term. However,
a consolidator may maintain or even lessen the rates, depending
on the creditworthiness of the loan grantee. The terms vary on a
case-to-case basis.

Types Of Government Student Consolidation Loans

Generally, two types of government student loan consolidation
schemes. The first is direct consolidation loans. This is
making payments directly to the US government Department of
Education, bypassing any bank or secondary lending institution
that may have lent you the monies firsthand.

The second scheme is the FFEL (Federal Family Education Loans)
consolidation loan program. This government student loan
consolidation scheme uses a new lender between the original
lender and the federal government. Included in this scheme are
standard student loans such as Stafford loans, PLUS loans and
Perkins loans.

However, some states also offer government student loan
consolidation programs funded from the state treasuries. They
are also competitive programs in terms of repayment and
interest, often tailor-fitting the plans to unique state or
university requirements.

States without state-funded programs such as Alaska, Arizona,
Hawaii, Indiana, Kansas, Maryland, Mississippi, Nevada and
Wyoming use USA (United Student Aid) Funds as the national
guarantor of their government student loan consolidation

Benefits of Direct Consolidation Program

In this program, government-subsidized loan interests continue
to be subsidized, and exhausted deferments might be renewed.
These benefits are not readily available in any other private
or government student loan consolidation programs. Private
programs usually tack on additional interest charges for taking
out loans for consolidation.

Benefits of State Student Loan Consolidation

Being more place-specific, state loan consolidation programs
are generally more forgiving and flexible. Many states offer
benefits for on-time or advanced payments, reduce interest
rates on diminishing balances or direct withdrawal repayment
methods, or include deferment options for qualified students in
their menu.

In many instances, your state can offer the best government
student loan consolidation options. Be sure not to skip
exploring them.

In conclusion, whichever way one may look at it, availing of a
government student loan consolidation program, whether state or
direct, will benefit the loan grantee trying to pay off his
student loans in many ways beyond simply reduced worries and

About The Author: John Mailer latest articles look at students
finacial problems when they go to college and the best student
loan consolidation ideas. These articles are at His other article sites

Please use the HTML version of this article at:

Lawsuit Loan Program. How does it Work

Monday, May 28th, 2007

You have permission to publish this article electronically
or in print, free of charge, as long as the bylines are
included. A courtesy copy of your publication would be
appreciated – send to

Title: Vioxx Lawsuit Funding =96 Lawsuit Loan Program. How does it Work
Word Count: 759
Author: Paul Sherman
Category: Legal
Article URL:

The article is preformatted to 60CPL.

Vioxx Lawsuit Funding =96 Lawsuit Loan Program. How does it Work
Risk =96 Free Lawsuit Settlement Funding for Vioxx Product
Liability Lawsuit Plaintiffs

Plaintiffs involved in Vioxx, Fen-Phen and Zyprexa product
liability lawsuits do not realize they can now get legal
cash advances or lawsuit funding, while they are waiting
for their lawsuit settlement money. It is called lawsuit
funding and often referred as lawsuit loan, lawsuit
financing, legal finance, legal financing, litigation
financing, pending lawsuit loan, lawsuit cash advance,
litigation funding and lawsuit advance funding.

Vioxx is a non steroidal anti-inflammatory drug (NSAID)
developed by Merck & Co. to treat osteoarthritis, acute
pain conditions, and dysmenorrhoea. Vioxx was approved as
safe and effective by the Food and Drug Administration
(FDA) on May 20, 1999. Vioxx was supposed to be the super
aspirin and block buster arthritis drug that would relieve
pain safely.

On September 30, 2004, the pharmaceutical giant Merck & Co.
had pulled Vioxx from the market following study results
confirming earlier concerns that Vioxx increases the risk
of cardiovascular problems, including heart attacks and
stroke. In the year before withdrawal, Merck had sales
revenue of US$2.5 billion from Vioxx.

U.S. Food and Drug Administration (FDA) announced in August
2004 that patients taking Vioxx have a 50% greater chance
of heart attacks and sudden cardiac death. It estimates
Vioxx may have caused up to 140,000 cases of serious heart
disease since 1999.

Vioxx was sold around the world and in all it was taken by
about 20m people. A large percentage of these people
suffered drastic side effects including blood clots, heart
attacks, and stroke. Nearly 4,200 individual and class
action Vioxx lawsuits were filed in U.S.A, because of the
different adverse effects of Vioxx.

Vioxx lawsuits fall under a category known as products
liability, claiming that the manufacturers of Vioxx (Vioxx
lawsuit defendants) or their distributors knew that the
drug could cause harm. Merck has reserved $970 million to
pay for its Vioxx-related legal expenses through 2007.

It does not seem fair for the plaintiffs, that even if they
would win their Vioxx settlement lawsuit, they may lose
because too little settlement money comes in too late. They
need money now. Most of the plaintiffs, because of their
medical conditions have missed work or lost their jobs.
They can no longer meet their mortgage/ rent, medical
bills, car payments, education expenses of their children
and other monthly bills. Many of them may be one or two
payments away from foreclosures.

But now this new risk free Vioxx lawsuit settlement funding
or litigation financing program is great help to Vioxx
product liability lawsuit plaintiffs. With a lawsuit cash
advance or pending lawsuit loan, on your Vioxx lawsuit
settlement, you reduce the financial and emotional stress
on you and your family.

But in true sense, these are not loans because the money
does not have to be paid back unless the case is won or
settled. These are non- recourse legal cash advances. It
carries no risk because Vioxx product liability lawsuit
plaintiffs pay only when they get their Vioxx settlement
money from Defendant Company.

Litigation financing or so called Lawsuit loan can help
them buy some time with a lawsuit cash advance on their
Vioxx product liability lawsuit settlement.

Vioxx Lawsuit Funding or Lawsuit Loan: How does it work?

There are many advantages of Vioxx lawsuit funding or
litigation financing Program. The process to receive
lawsuit loan or lawsuit cash advance is risk free & simple.
There are no monthly payments. The total process is
confidential, prompt and discreet.

1. Making an application for lawsuit funding or pending
lawsuit loan is free and there is no obligation. A good and
reputed litigation financing company should not charge any
upfront fee or any application fee, processing fee or any
monthly fee.

2. Plaintiff may have a bad or no credit. No employment
requirement is required to apply for a lawsuit loan or
lawsuit funding.

3. Quick and thorough underwriting process to qualify
client (some times in 6-8 hours).

4. If approved for lawsuit advance funding or lawsuit cash
advance, funds are wired into your bank account, the same
day. Of course, you can take a bank check also.

5. Plaintiff payback upon successful settlement/verdict of

6. If plaintiff loses case, plaintiff owes nothing to
litigation financing or lawsuit funding company.

They can use the lawsuit loan or legal cash advance in any
way they like. They can use the money for living expenses;
pay their bills, mortgage/ rent / car payments, medical
treatment, education expenses. As a matter of fact use it
any way they like.

About the Author:

About the Author:
Paul Sherman is a Legal Funding Consultant. He offers free,
professional, and independent advice to plaintiffs (incl.
business owners) involved in lawsuits & Attorneys. To apply
for Lawsuit loan, Commercial Lawsuit funding, Law Firm
loan, Attorney funding & Structured settlement funding
please visit:

The Basics Of Student Loan Consolidation

Monday, May 28th, 2007

You have permission to publish this article electronically
or in print, free of charge, as long as the bylines are
included. A courtesy copy of your publication would be
appreciated – send to

Title: The Basics Of Student Loan Consolidation
Word Count: 548
Author: Gregg Pennington
Category: Finance & Investment
Article URL:

The article is preformatted to 60CPL.

The Basics Of Student Loan Consolidation
Whether you are a parent of a college student, a current
student, or a recent college graduate, you have undoubtedly
realized how confusing student loans can be. Many students
have multiple loans from several lenders, each with its own
distinct terms, rate, and payoff amount. Keeping track of
these multiple loans seems like a full time job where,
instead of receiving a paycheck, you are given stacks of
payment coupons. There is a way to free yourself from the
overwhelming monotony of being in this position: Student
loan consolidation.

Student loan consolidation makes things much less
complicated; instead of tracking multiple loans and
payments, you will only have one monthly payment. A
typical repayment period is ten years. While in essence
student consolidation loans are large loans used to pay off
several smaller loans, they are governed by different rules
than other types of consolidation loans. Here are some
distinct features of student loan consolidation:

1. You cannot consolidate student loans that are in
default. If you have already defaulted on one or more
student loans, you must first work with the lender/s to get
back on a payment plan; then you are free to consolidate
these loans. You may consolidate student loans that are
still in the grace period, as well as loans on which you
are currently making payments.

2. If your student loans are through conventional federal
funding sources like Stafford Loans, Direct Loans, Perkins
or Guaranteed Student Loans, and you are not in default on
any student loans, you should find it relatively easy to
obtain a consolidation loan; however, it is not always
possible to consolidate student loans from private funding
sources. You should consolidate any federal student loans
first, because their availability and interest rates are
not based on a person’s credit. By making timely payments
on a federal loan consolidation, you can improve your
credit and get better rates and terms when you consolidate
any private student loans.

3. When you consolidate student loans, the interest rate
you will pay is calculated based on the average rate of
your existing loans. If most of your outstanding student
loans have similar interest rates, then your student
consolidation loan should have approximately the same rate.
If your interest rates vary widely, your consolidation
loan will be based on a weighted average of your existing

4. You should be able to consolidate your student loans
without having to pay a fee. Beware of lenders that offer
to consolidate your loans for a small fee; There should be
no fees for student loan consolidation, and you can easily
shop elsewhere.

5. Many lenders require that you consolidate a certain
minimum amount of student loan debt. The amount will vary
from lender to lender, but if your student loans total less
than $10,000, you may have fewer options available when

By simply consolidating your outstanding student loans, you
will see improvement in your overall credit score. Part of
your credit score is based on the number of accounts you
have open, and by reducing this number you will be seen as
a lower credit risk. For recent college graduates whose
maximum earning potential may be years in the future,
student loan consolidation can make surviving on an entry
level salary much more comfortable.

About the Author:

Gregg Pennington writes articles on a number of topics
including student loan debt and student loan consolidation.
For more student loan information visit

Secured Loans Benefits

Sunday, May 27th, 2007

Often times, because of great financial need, we find ourselves
needing a bit more money than what our salaries cover for a
month. Thus, it is often the case that we have to rely on loans
so as to get the money we want or need. An unsecured loan is
good for small loans but, if you want to get a sizable amount
of money, a secured loan is a good deal to consider.

A secured loan is a loan taken out against some property of
yours in order to ensure the payment you have taken out.
Depending on the amount of equity you have on your property,
you can get quite a sum with a secured loan. To explain, equity
is the market value of your property less any outstanding loan
or mortgages to that property. Taking out a secured loan on
your property is tantamount to converting that equity to ready
cash which you can use in whatever way.

A secured loan also has the benefit of having a generously low
interest rat compared to unsecured loans. Understandable since
secured loans often offer greater security for the loan
providers as, in case of a default to the loans, any financial
lose they get is covered by the property of the loan owner.
This is why loan companies are more open to persons with bad
credit history availing a secured loan.

A secured loan also offers a far longer repayment period than
what is available with unsecured loans. Thus, the monthly debt
dues are easier to handle. It is, however necessary to keep in
mind that the longer it takes to fully pay for a loan, the
higher the interest rate for that loan will be.

It is important to note, however, that many have made the
mistake of being over confident with their secured loan. It is
not difficult to see how this can happen. Because of the low
monthly dues offering of a secured loan, many people make the
mistake of thinking that it is a loan that is easily handled.
It is necessary to keep in mind that these types of loan are
often high risk loans when seen from the perspective of the
person taking out the loan. There is a very real possibility
that, should the person be unable to take care of his debt
payments every month, he may lose his property.

Therefore, it is necessary to apply twice as much of the
necessary caution needed in considering secured loans. It is
important to shop around for the bet deals around as offerings
for a certain equity amount can vary greatly across a number of
loan companies. In this, it would probably best to enlist the
help of professionals.

A secured loan offers a tempting and a generous way out in
times of financial difficulties. However, it is important to
keep in mind that, no matter how easy the monthly payments may
be to handle, you will still owe that money and you will still
have to pay for it. That said, if handled correctly, a secured
loan may just be the thing for you when your looking for a
quick way to get a large sum of money without having to pay
high monthly dues.

About The Author: Thomas Champeval is a writer for, a premier resource in the
financial world.

Please use the HTML version of this article at: