By: Dovetail
Is the Art and Antiques Insurance Cover on your Home Policy Adequate for your needs ?
Most home policies will insure your precious objects like art or antiques under the contents section of the policy. But if you possess a valuable painting, item or collection, it’s worth checking to see whether this cover really meets your needs fully. You may get a better deal by switching to an insurance provider who understands art and antiques insurance better.
Most home policies are designed to offer Art and Antiques Insurance in a very general manner. After all, they have been created to cater to the needs of an average family and accord very little consideration to the specific needs of the individual customer, especially one who owns precious art and antiques.
Typically, the insurance cover will be limited to a percentage of the overall contents. Besides this, the insurance sum insured will have a single article limit that’s too low and rarely provides cover away from the home unless a specific extension to cover is opted, and paid, for. This may not be the ideal situation for precious objects like art, antiques and other high value items.
Dovetail Insurance Services only recommends insurers who recognize that this type of general cover is too restrictive for individuals needing more art and antiques insurance than the average home. These providers are often referred to as “High Net Worth” insurers.
These are some of the art and antiques insurance benefits you could get with a High Net Worth policy:
• Worldwide All Risks cover so that your art and antiques are covered wherever you may take them.
• A high value single article limit (i.e. no individual specification required) of up to £25,000
• Depreciation in value of the piece of art or antique, following restoration, if it is only partially damaged rather than completely lost or destroyed
• Assistance in getting your art and antique collections professionally valued
• If you have a valuation, which is less than 3 years old, your art or antique could be covered for up to 150% of the specified figure to give protection against market value appreciations
• New acquisitions of art or antiques covered automatically upon purchase with a set time period to notify the insurers.
The insurance cover varies between each provider so we need to know which items are particularly valuable to you so that we can get the best possible art and antiques insurance. Please use the ‘Your Specific Needs’ section of the quotation request form to tell us or contact us directly.
www.dovetailinsurance.co.uk/art-and-antiques.htm
Wednesday, January 31, 2007
Need Motor Insurance ?
By: Dovetail
For good motor insurance that will cost you less, Dovetail recommends Directchoice.Save time and money by getting Direct Choice to 'shop around' for the right cover at the right price. Dovetail doesn't provide motor insurance - we're not experts - but Direct Choice are. They also provide insurance for home, caravan, motor bike, van and breakdown. Click on the links at the bottom to get a quote.They started in 1974 and they're now one of the biggest brokers in the UK. We recommend them because they'll look after you from quotation to claim to renewal. Why try Direct Choice? Like Dovetail, they're completely independent so, unlike a direct insurer, they scour the entire market to get you the best deal. If you have a problem with your insurer, they'll help you - with a direct insurer, you're on your own. They take away the hassle and tedium of finding the right cover and price and do it for you. They compete aggressively with the direct insurers and take more business from them than they lose. They invest in their people and systems to ensure you get the best possible service.
www.dovetailinsurance.co.uk/needmotorinsurance.htm
For good motor insurance that will cost you less, Dovetail recommends Directchoice.Save time and money by getting Direct Choice to 'shop around' for the right cover at the right price. Dovetail doesn't provide motor insurance - we're not experts - but Direct Choice are. They also provide insurance for home, caravan, motor bike, van and breakdown. Click on the links at the bottom to get a quote.They started in 1974 and they're now one of the biggest brokers in the UK. We recommend them because they'll look after you from quotation to claim to renewal. Why try Direct Choice? Like Dovetail, they're completely independent so, unlike a direct insurer, they scour the entire market to get you the best deal. If you have a problem with your insurer, they'll help you - with a direct insurer, you're on your own. They take away the hassle and tedium of finding the right cover and price and do it for you. They compete aggressively with the direct insurers and take more business from them than they lose. They invest in their people and systems to ensure you get the best possible service.
www.dovetailinsurance.co.uk/needmotorinsurance.htm
Understanding your ACS Student Loan
"A number of different financial aid programs fall under the heading of an ACS student loan. For those who do not already have one. Here's what you need to know and understand... "
An ACS student loan is one that is serviced by Affiliated Computer Services, Inc., a company that is known for outsourcing technology and business solutions. Many universities use the ACS student loan because of the company’s reputation for using technology to smooth over some of the more difficult aspects of loan services. With an ACS student loan, students can make payments online, instantly see the status of an account, change personal details like name and address, and receive email notification when payments have been processed. A number of different financial aid programs fall under the heading of an ACS student loan. One of the major ACS student loan groups is the Campus Based Student Loan Program (CBSL), which includes Federal Perkins Loans, Nursing Student Loans (NSL), and Institutional Loan Programs, among others. Another major group of educational loans handled by ACS is the Federal Family Education Loan Program (FFEL), which includes the Stafford (GSL) Loans, PLUS loans to parents of students, and loan consolidation services . ACS also handles a group of educational loans donated by a variety of private companies. For those who do not already have an ACS student loan, applications and guidelines for different financial aid options are available online. The ACS website gives a clear example of how to fill out a Free Application for Federal Student Aid (FAFSA) form, and demonstrates what the results mean in terms of your eligibility for financial aid. Furthermore, applications for both Stafford and PLUS loans for parents can be found on the ACS website, and can be completed and sent in online. If you have an ACS student loan already, you might be interested in learning about the benefits of student loan consolidation. The ACS website provides information and application forms that could help you lock in a lower rate and reduce your monthly payment amount. Other tools that might help you with your ACS student loan include a repayment calculator, IRS guidelines about how to use your student loans for tax relief, and a glossary of important student loan-related terms. All in all, an ACS student loan is one that will give the borrower the most ease and flexibility when it comes to loan servicing from application to repayment and consolidation. ACS works with a number of universities across the United States, including the University of Pittsburgh and the University of Vermont. Even if your specific university does not offer student loans handled by ACS, their website is a treasure trove of helpful tools and information, and well worth a look. Mark Kessler's website http://studentloans.seeking411.com offers a comprehensive free resource of college financial aid for Consolidating Student Loans, Alternative Student Loans, ACS , Bad Credit, US Department Of Education Student Loans, including a variety student loan articles.
By John Riggin
An ACS student loan is one that is serviced by Affiliated Computer Services, Inc., a company that is known for outsourcing technology and business solutions. Many universities use the ACS student loan because of the company’s reputation for using technology to smooth over some of the more difficult aspects of loan services. With an ACS student loan, students can make payments online, instantly see the status of an account, change personal details like name and address, and receive email notification when payments have been processed. A number of different financial aid programs fall under the heading of an ACS student loan. One of the major ACS student loan groups is the Campus Based Student Loan Program (CBSL), which includes Federal Perkins Loans, Nursing Student Loans (NSL), and Institutional Loan Programs, among others. Another major group of educational loans handled by ACS is the Federal Family Education Loan Program (FFEL), which includes the Stafford (GSL) Loans, PLUS loans to parents of students, and loan consolidation services . ACS also handles a group of educational loans donated by a variety of private companies. For those who do not already have an ACS student loan, applications and guidelines for different financial aid options are available online. The ACS website gives a clear example of how to fill out a Free Application for Federal Student Aid (FAFSA) form, and demonstrates what the results mean in terms of your eligibility for financial aid. Furthermore, applications for both Stafford and PLUS loans for parents can be found on the ACS website, and can be completed and sent in online. If you have an ACS student loan already, you might be interested in learning about the benefits of student loan consolidation. The ACS website provides information and application forms that could help you lock in a lower rate and reduce your monthly payment amount. Other tools that might help you with your ACS student loan include a repayment calculator, IRS guidelines about how to use your student loans for tax relief, and a glossary of important student loan-related terms. All in all, an ACS student loan is one that will give the borrower the most ease and flexibility when it comes to loan servicing from application to repayment and consolidation. ACS works with a number of universities across the United States, including the University of Pittsburgh and the University of Vermont. Even if your specific university does not offer student loans handled by ACS, their website is a treasure trove of helpful tools and information, and well worth a look. Mark Kessler's website http://studentloans.seeking411.com offers a comprehensive free resource of college financial aid for Consolidating Student Loans, Alternative Student Loans, ACS , Bad Credit, US Department Of Education Student Loans, including a variety student loan articles.
By John Riggin
How To Lower Your Car Insurance Quote
The discrepancy in cost of premium among different Insurance companies can be considerable. Different companies consider risk factors, which is the basis of insurance, differently. What is considered a high risk factor in company "A" might be treated differently by company "B." A Car Insurance price or premium is usually arrived at following the car owner’s answers to a series of questions put to him or her by an Insurance company according to their set rules in terms of risk factors. So, it will be a good idea to try a number of insurance companies and eventually settle with one which price is more favourable to you in relation to your answers. Also before buying you car bear in mind that among all the risk factors on which an insurance company will base your premium, the type and cost of your car is a very important consideration. The most popular rating group for cars is the ABI (Association of British Insurers), which divides vehicles into about 20 groups for the sake of premium. It will also make your premium even cheaper if your buy your car insurance online, because by so doing you save the Insurance company some expense, some of which they pass over to you inform of discount. If you are an inexperienced driver, it will lower your premium if your car is in the lower group. And your answer regarding your annual mileage will also affect your premium, so don’t just take suggestions on annual mileage from the agent, work at your expected mileage and arrive at a realistic annual mileage by yourself. There are different types of car insurance policies, but the most popular is the Third Party insurance policy, which is the cheapest of the insurance covers legally available. The Third Party is the car insurance of choice for most people, but if you get involved in an accident, only damages suffered by a third party are covered. However, a Comprehensive policy should be considered if your car is an expensive one. One of the other factors considered nowadays as a risk factor is your credit rating. Keep it good. A poor credit record will surely jack up your car insurance premium. Bear in mind that in arriving at your monthly premium cost, Insurance companies try to find out how much excess you are prepared to carry on your policy. This is supposed to be voluntary, but higher excess generally lowers your premium. The down side is that before any claim is paid to you, you will be required to liquidate the amount of excess on your policy. Your driving record is also a very important factor. If you have had accidents or convictions prior to taking out a car insurance policy or have accident and convictions while on your current policy, these will affect your premium upwardly. How many times you have made car insurance claims in the last five years is also considered a factor for giving you a lower or higher insurance premium, so try an be a good drive. When buying a car insurance, do not overload your policy with additional drivers, because this will mean a higher premium for you. Most companies will allow you, at a small additional charge, to add an additional driver on your policy if the need arises. And be aware that the security of your car is an important factor while your insurance company calculates your premium, so keep it right too; using a car alarm and immobiliser will reassure the company and even afford you some discount. Finally, note that Insurance companies consider drivers with advanced test certificates more responsible or better drivers, and lowers their monthly premium. Being married with an insured spouse and paying your annual premium at a go are both ways of getting cheaper premium cost, too. Consider buying your car insurance online because by so dong you save the insurance company some expense, some of which they pass over to you in form of discount. Drive sensibly. Neshah writes for your success – find your nearest seized car auction listing at Nationwide Government Car Auction Listing for cheap new and nearly new cars at 90% off retail prices
By : Jackson Neshah
By : Jackson Neshah
Why Assurant Health is your best choice for Health Insurance?
With all the health insurance options that are available today you might be wondering which company is right for me. Most of us purchase health insurance based on impulse. We look at the next TV ad or some mailer that we got. The reason I can say that is because I’ve been in health insurance industry as insurance broker for over a decade. I will share with you things you should look for when shopping for health insurance. Also I will share with you a company which offers best options you can possibly get in health insurance coverage. The reality is most of us are educated by insurance companies on what to look for in health insurance coverage. We are misled in looking for featured in coverage that insurance companies tell us we should look for. We go to insurance company’s websites to educate our self about insurance, which is completely absurd. I can reassure you that insurance companies are not going to tell you on what you truly should be looking for. I bet if I was going to ask you what to look for in health insurance coverage you might tell me things like; Deductible, co-pays, low monthly premiums. Well…. Maybe. Let ask our self’s on why do we have health insurance coverage in the first place? To protect our self from large unexpected medical bills. That would be a true statement that is what insurance is intended to do. There is more to health insurance plans and companies than you ever thought. Let me ask you this question… If god forbid critical emergency did happen to you and you required a specialist, would you would to have access to the best specialist in the world or some local doctor? There are literally millions of people die every year because they did not have access to the specialist. Most presidents of the United States if ever required a specialist were taken to Mayo Clinic. Mayo Clinic is a world class hospital known around the world as the best medical facility for major illnesses and accidents. Do you think your insurance company will let you get treatment at Mayo Clinic? The answer is absolutely not, not a chance. What if you were in a car accident and there decision had to be made where your leg had to be cut of because the place that you were treated at did not have the right specialist to reconstruct the leg and your health insurance company was not willing to pay for reconstruction surgery at a facility like Moyo Clinic. Well at least you know you saved couple of buck on your health insurance that you called from one-eight hundred number that you saw on that TV commercial. The coverage that I wanted to share with you is offered by not yet very known insurance company. The company itself has been around longer than any other health insurance company in the world. They have been in business since 1892 and the name is Fortis. Fortis in early 2006 was the 26th largest company in the world. The health insurance is marketed under name of Assurant Health. Assurant Health is know a quality company that provides health insurance to families, self-employed, individuals, small businesses and large businesses. Assurant Health has a slogan that goes like this "Our Health Plan is Based on Yours". Why Assurant Health is so much better that anything that is available on health insurance market today. Assurant Health has easy and flexible portfolio of plans to choose from. Also every plan that Assurant Health offers is customizable. Some plans lets you choose how many doctor visits you want the insurance company to pay for. How much of a co-pay do you want to have. Every option that you ad or delete, accordingly lowers or increases your monthly premium. For example for someone like me who is healthy and has not been to a doctor for over five years and do not have coverage for doctor visits and save myself almost one hundred dollars per month. Considering that average doctor visit is sixty five dollars. That means over five years I saved myself almost six thousand dollars. As we discussed earlier let take a look at what is truly important in health insurance coverage. First I am going to mention options that Assurant Health Plans offer that other companies do not. If you think it is not the case with your coverage just stop reading this because it will be just waist of your time. I’ve been in the industry long enough to tell you how plans work. If you think you know how your plans work than obviously you are the expert and you should stop reading this article. Options that Assurant Plans Include that your plan does not. Worldwide coverage, 24 hours a day. It doesn’t matter whether you’re nearby or Far from home-you’re covered. Initial rate guarantees-up to 36 months available. You’ll lock in your premium rate for at least the first 12 month. With many deductibles you have a 24-month rate guarantee-and the option to extend it to a full 36 month! Lifetime benefit maximum options up to $8 million You choose the amount of protection you want. Your choice of doctors and hospitals You’ll have access to some of the largest and best preferred provider (PPO) networks in the nation. No referrals necessary to see a specialist You don’t have to jump through hoops when you need a specialist’s care-simply make an appointment. Single deductible for accidents. In the event there’s an accident involving more than one person in your family you’ll pay only one deductible. No limit on Intensive Care Unit (ICU) With no daily dollar limit when confined in an ICU, you’ll have the peace of mind you need at a critical time. Healthy Discount Available in most states, Healthy Discount rewards you for maintaining your good health by providing 10% off your renewal rates. Some of these benefits will not make any sense and I can share story after story how not having even one of those benefits could cause tragic consequences to you or your family. Assurant Health is your number one most reliable and most affordable choice for health insurance. For more information on Assurant Health Plans, please click here.
By Dennis Alexander
Mortgage Life Insurance: Tips To Help You Get The Cover You Need
"Term life insurance is an important basic in your financial planning but what is often more essential is funds to speicifically cover your mortgage. Instead of taking a large chunk of a term life insurance payout to cover any outstanding mortgage, it is better to specifically cover it with mortgage life insurance. "
Having enough life insurance to not only cover the loss of income, but also your family's other debts (such as house, car, credit cards, etc.) is a wise move. Even though it may feel like a struggle at the time if you have to scrape the funds together to cover the premium. In the event the unthinkable happen, the house (and perhaps other debts) would be paid for and your family would have one less burden to worry about. Or, if you have mortgage insurance that is triggered by your disability or being unable to work (or disability insurance), then your family is covered if something should happen. When you take out the loan on your house, the company financing your home will often insist that you include mortgage insurance as part of the arrangement. While this may seem like an unnecessary addition to your already full expenditure list, it does make financial sense for the mortgage company but also for you. However, just because you are buying mortgage insurance from one company doesn't mean that you need use that same company for your other insurance needs. Take, for example, the case of Jane Dodd. Jane and her husband Eric worked hard to raise a down payment to buy a home. The Dodd family had three children, and they both decided that Jane should stay home with the kids. Eric had a good job and a solid paycheck so it wasn't a strain. But when Eric was tragically killed in car crash, Jane was left to support her family without an income. Fortunately Eric had enough life cover to offset his financial contribution to the running of the household. He also had mortgage insurance. Jane received a check from the life insurance company large enough to invest and support her and the kids until they were grown, and another check she used to pay off the mortgage on the home, which took away the largest monthly expenditure. Jane no longer had to worry about making the house payment each month, or dipping into the life insurance money to make the house payment. The mortgage insurance took care of that for them. Jane's case is, unfortunately, all too common. Every year in America thousands of people depend on mortgage insurance when an unexpected tragedy occurs. Mortgage insurance (or additional life insurance to cover the mortgage) can seem like a burden to those who opt for it, until they think about the amount of protection it provides. Mortgage insurance is one of those things that you are very glad to have when you finally need it. In such a difficult time, having enough insurance to cover the remainder of the mortgage, for many families, has made all of the difference in security, in having a roof over their heads, and in knowing that their futures are secure. Specialist term life insurance coverage advice is crucial for anyone contemplating taking out a life insurance policy. Get the information you need so that you can be confident you are choosing the right policy for you and your family. Get the latest Life Insurance Policy information: www.accuratetermlifeinsurancequote.com
By Jill Brennan
Having enough life insurance to not only cover the loss of income, but also your family's other debts (such as house, car, credit cards, etc.) is a wise move. Even though it may feel like a struggle at the time if you have to scrape the funds together to cover the premium. In the event the unthinkable happen, the house (and perhaps other debts) would be paid for and your family would have one less burden to worry about. Or, if you have mortgage insurance that is triggered by your disability or being unable to work (or disability insurance), then your family is covered if something should happen. When you take out the loan on your house, the company financing your home will often insist that you include mortgage insurance as part of the arrangement. While this may seem like an unnecessary addition to your already full expenditure list, it does make financial sense for the mortgage company but also for you. However, just because you are buying mortgage insurance from one company doesn't mean that you need use that same company for your other insurance needs. Take, for example, the case of Jane Dodd. Jane and her husband Eric worked hard to raise a down payment to buy a home. The Dodd family had three children, and they both decided that Jane should stay home with the kids. Eric had a good job and a solid paycheck so it wasn't a strain. But when Eric was tragically killed in car crash, Jane was left to support her family without an income. Fortunately Eric had enough life cover to offset his financial contribution to the running of the household. He also had mortgage insurance. Jane received a check from the life insurance company large enough to invest and support her and the kids until they were grown, and another check she used to pay off the mortgage on the home, which took away the largest monthly expenditure. Jane no longer had to worry about making the house payment each month, or dipping into the life insurance money to make the house payment. The mortgage insurance took care of that for them. Jane's case is, unfortunately, all too common. Every year in America thousands of people depend on mortgage insurance when an unexpected tragedy occurs. Mortgage insurance (or additional life insurance to cover the mortgage) can seem like a burden to those who opt for it, until they think about the amount of protection it provides. Mortgage insurance is one of those things that you are very glad to have when you finally need it. In such a difficult time, having enough insurance to cover the remainder of the mortgage, for many families, has made all of the difference in security, in having a roof over their heads, and in knowing that their futures are secure. Specialist term life insurance coverage advice is crucial for anyone contemplating taking out a life insurance policy. Get the information you need so that you can be confident you are choosing the right policy for you and your family. Get the latest Life Insurance Policy information: www.accuratetermlifeinsurancequote.com
By Jill Brennan
Tuesday, January 30, 2007
15 Steps to be taken in case of Accident
By: Sam Rosy
We can be careful in our day to day life, but unfortunately bad things do happen. Follow the following 13 steps if in case a car accident takes place:1. First thing is to notify the police on time and call ambulance if in case of any hurt.2. Do cooperate with the available authorities who come to the scene.3. Take rational steps to guard your vehicle from any other loss. Consider moving it out of traffic.4. Further try to record everything if possible on the scene. Your notes must carry the details of accident, identification of the autos and people concerned, and the names and badge numbers of all emergency personnel. Take pictures if possible.5. Insist on breath tests if you guess drugs or alcohol are involved.6. Do not accept money in any case. Do not admit fault. Do not agree to overlook about the auto accident.7. Have a copy of all police reports.8. Have the insurance company inspects and appraises the scratch before any steps are taken to repair it.9. Cooperate with the auto insurance carrier agent in the investigation, defense or settlement.10. Send your car insurance carrier copies or legal papers received in connection with the accident as soon as possible. Be certain you keep the originals with you.11. If you are wounded, submit to physical examinations by physicians chosen by the insurance carrier as regularly as they reasonably require. (The insurance carrier do pays the cost of these examinations.)12. Give your approval for the insurance carrier to get medical reports and other pertinent records.13. File a claim.14. After filing a claim you need keep a record of expenses you incur as a result of an automobile accident, as it might be reimbursed under your policy. 15. Store copies of all the copy of the paperwork in your own files. You might need to refer to it later.
Sam Rosy is an expert in analyzing the insurance types especially in California and has produced lot of articles regarding the insurance types and its application. For further details Health insurance California and quotes view the site www.goodhealthquotes.com.To Contact Sam Rosy its samrosy@gmail.com
We can be careful in our day to day life, but unfortunately bad things do happen. Follow the following 13 steps if in case a car accident takes place:1. First thing is to notify the police on time and call ambulance if in case of any hurt.2. Do cooperate with the available authorities who come to the scene.3. Take rational steps to guard your vehicle from any other loss. Consider moving it out of traffic.4. Further try to record everything if possible on the scene. Your notes must carry the details of accident, identification of the autos and people concerned, and the names and badge numbers of all emergency personnel. Take pictures if possible.5. Insist on breath tests if you guess drugs or alcohol are involved.6. Do not accept money in any case. Do not admit fault. Do not agree to overlook about the auto accident.7. Have a copy of all police reports.8. Have the insurance company inspects and appraises the scratch before any steps are taken to repair it.9. Cooperate with the auto insurance carrier agent in the investigation, defense or settlement.10. Send your car insurance carrier copies or legal papers received in connection with the accident as soon as possible. Be certain you keep the originals with you.11. If you are wounded, submit to physical examinations by physicians chosen by the insurance carrier as regularly as they reasonably require. (The insurance carrier do pays the cost of these examinations.)12. Give your approval for the insurance carrier to get medical reports and other pertinent records.13. File a claim.14. After filing a claim you need keep a record of expenses you incur as a result of an automobile accident, as it might be reimbursed under your policy. 15. Store copies of all the copy of the paperwork in your own files. You might need to refer to it later.
Sam Rosy is an expert in analyzing the insurance types especially in California and has produced lot of articles regarding the insurance types and its application. For further details Health insurance California and quotes view the site www.goodhealthquotes.com.To Contact Sam Rosy its samrosy@gmail.com
Monday, January 29, 2007
Student Loan Advice And Information
Author: Brad Stroh
Student LoansFor many students, the dream of getting a higher education just isn’t possible without the financial aid of a student loan. Fortunately, there are many opportunities out there to apply for and receive a student loan. And even better, http://bills.com is here to give you all the knowledge you need to choose the best student loan for you.Student loans generally come from two sources: the federal government and private financial institutions, such as banks. Both require repayment of the loan, but that’s where the similarities end. Let’s take a look at both federal and private student loans.Federal student loans are sponsored by the government and account for the biggest chunk of education loans. There are three main federal loan programs: The Perkins Loan, The Stafford Loan, and The Parent Loan For Undergraduate Students, also known as PLUS.The Perkins Loan is the most affordable student loan, with an interest rate of 5% and low fees. But it’s also the hardest to get because it’s only given to those who need it the most. And the loan limit, at $4000, is the lowest of all three federal student loans.The Stafford Loan comes with a variable interest rate that’s higher than the Perkins, but lower than the PLUS Loan, due to the cap at 8.25%. As with the Perkins Loan, this student loan does not hold credit worthiness against the applicant. The Stafford Loan also has a much higher loan limit and is offered to both graduate and undergraduate students.Compared to the Perkins and Stafford Student Loans, which are borrowed in the student’s name, the PLUS Loan is completely different in that it is a loan for parents of dependent undergraduate students. A big advantage of this type of student loan is that it covers any remaining balance not covered by other forms of aid – in essence the loan limit covers your entire educational expense.Now that we’ve familiarized ourselves with the different types of federal student loans, let’s identify the attributes of a private student loan. This is a loan from a financial institution that takes into account your creditworthiness, not your need for aid. Your credit is reviewed by lenders and if approved, you can get a substantial size student loan in minutes, sometimes up to $30,000. A downside to private student loans is that repayment terms typically cap at 15 years, compared to 30 years for a federal loan. Also, if you become disabled or deceased, your heirs are required to payoff your student loan, whereas in a federal loan, the loan is forgiven, making repayment unnecessary.As you can see, you have several choices when it comes to student loans. Making sure you choose the best option is a matter of getting informed on these choices, and picking to student loan that best fits your needs.
About the Author:Brad Stroh is currently co-CEO of Freedom Financial Network and Bills.com. If you would like more of Brad’s articles, please visit the Bills.com information on Loans.
Student LoansFor many students, the dream of getting a higher education just isn’t possible without the financial aid of a student loan. Fortunately, there are many opportunities out there to apply for and receive a student loan. And even better, http://bills.com is here to give you all the knowledge you need to choose the best student loan for you.Student loans generally come from two sources: the federal government and private financial institutions, such as banks. Both require repayment of the loan, but that’s where the similarities end. Let’s take a look at both federal and private student loans.Federal student loans are sponsored by the government and account for the biggest chunk of education loans. There are three main federal loan programs: The Perkins Loan, The Stafford Loan, and The Parent Loan For Undergraduate Students, also known as PLUS.The Perkins Loan is the most affordable student loan, with an interest rate of 5% and low fees. But it’s also the hardest to get because it’s only given to those who need it the most. And the loan limit, at $4000, is the lowest of all three federal student loans.The Stafford Loan comes with a variable interest rate that’s higher than the Perkins, but lower than the PLUS Loan, due to the cap at 8.25%. As with the Perkins Loan, this student loan does not hold credit worthiness against the applicant. The Stafford Loan also has a much higher loan limit and is offered to both graduate and undergraduate students.Compared to the Perkins and Stafford Student Loans, which are borrowed in the student’s name, the PLUS Loan is completely different in that it is a loan for parents of dependent undergraduate students. A big advantage of this type of student loan is that it covers any remaining balance not covered by other forms of aid – in essence the loan limit covers your entire educational expense.Now that we’ve familiarized ourselves with the different types of federal student loans, let’s identify the attributes of a private student loan. This is a loan from a financial institution that takes into account your creditworthiness, not your need for aid. Your credit is reviewed by lenders and if approved, you can get a substantial size student loan in minutes, sometimes up to $30,000. A downside to private student loans is that repayment terms typically cap at 15 years, compared to 30 years for a federal loan. Also, if you become disabled or deceased, your heirs are required to payoff your student loan, whereas in a federal loan, the loan is forgiven, making repayment unnecessary.As you can see, you have several choices when it comes to student loans. Making sure you choose the best option is a matter of getting informed on these choices, and picking to student loan that best fits your needs.
About the Author:Brad Stroh is currently co-CEO of Freedom Financial Network and Bills.com. If you would like more of Brad’s articles, please visit the Bills.com information on Loans.
California Home Loan Information
Author: Oliver Turner
It is not very easy to choose the right home loan from the varied number of options available in the market with different benefits and different rates. You can get help and information from any mortgage broker, bank or credit union. Nevertheless, they all work with the traditional financing and avoid offering loan to people with credit problems. But if you are residing in California, you are lucky for you get better options at “California home loan.”California home loan offers you a wide range of home loan options. They offer you loan even with low credit scores, as low as 500. You can even get a “ no doc” home loan without representing any document like income proof and credit history. But to get “no doc” home loan you should have a decent credit rating.Today, there is no need of going to bank to apply for a home loan. California home loans offer you online broker and credit facility. It is very simple to apply with an online broker. You have to fill a quote request and the broker will search a lender according to your quote request. Lenders will give you quotes including norm and terms of loan, closing costs, interest rate and monthly payments.California mortgage rates change very frequently as they depend on the real estate market. You should choose a plan with low EMI otherwise it might prove heavy on your pocket.California mortgage rates depend upon the given factors:1. The mortgage loan.2. The mortgage amount.3. Recent market value of the property.4. Type of real estate you are going to offer as security.5. Recent market value of property to be mortgaged.6. Penalty for late payment.7. FICO score.So it is better to consult a financial adviser before applying for a home loan to avoid any hassle. Anyway, do not postpone it. Not having a home loan is the most common financial mistake.
About the Author:We have made an independent research on mortgages. Find it only on California reverse mortgage and more. All about home loans on LeanderNet - http://www.leandernet.com
It is not very easy to choose the right home loan from the varied number of options available in the market with different benefits and different rates. You can get help and information from any mortgage broker, bank or credit union. Nevertheless, they all work with the traditional financing and avoid offering loan to people with credit problems. But if you are residing in California, you are lucky for you get better options at “California home loan.”California home loan offers you a wide range of home loan options. They offer you loan even with low credit scores, as low as 500. You can even get a “ no doc” home loan without representing any document like income proof and credit history. But to get “no doc” home loan you should have a decent credit rating.Today, there is no need of going to bank to apply for a home loan. California home loans offer you online broker and credit facility. It is very simple to apply with an online broker. You have to fill a quote request and the broker will search a lender according to your quote request. Lenders will give you quotes including norm and terms of loan, closing costs, interest rate and monthly payments.California mortgage rates change very frequently as they depend on the real estate market. You should choose a plan with low EMI otherwise it might prove heavy on your pocket.California mortgage rates depend upon the given factors:1. The mortgage loan.2. The mortgage amount.3. Recent market value of the property.4. Type of real estate you are going to offer as security.5. Recent market value of property to be mortgaged.6. Penalty for late payment.7. FICO score.So it is better to consult a financial adviser before applying for a home loan to avoid any hassle. Anyway, do not postpone it. Not having a home loan is the most common financial mistake.
About the Author:We have made an independent research on mortgages. Find it only on California reverse mortgage and more. All about home loans on LeanderNet - http://www.leandernet.com
How To Gather Equity Loan Information
By: Talbert Williams
Loans of all sorts often have limited amounts for borrowing. Most lenders calculate your earnings when applying for loans. The lender will consider various details, including repayments, acceptance, and so on before offering you a loan. Few lenders factor the loans by multiplying 3.25 times the gross salary of a single borrower. If you are joining with another party, then the calculations change, since two parties are applying for the loan.The lender will also consider equity, meaning that the lender will determine the amount he is willing to loan you against the equity of the home. This is a sort of promise that property will remain consistent with the loan amount. The lenders will factor in various costs, including stamp duty charges. Depends on the price of the home purchased, but for the most part you will pay a percentage of the entire balance of the property worth.The lender will also factor in surveyor fees, arrangement fees, legal charges, title, and other charges when considering a loan. The arrangement fees are “administration costs” that will cover the lenders wages. Premiums, additional fees, and prepaid coverage ensure the home may also be attached to the loan.The lender will also expect you to pay title fees, deposit fees, valuation fees, surveyors fees, solicitor fees, and so on upfront if you are giving the loan. There are ways to avoid some of these expenses; therefore, reading about equity loans online could provide you a wealth of information to help you save money. Various loans are available online and the equity loans have a wealth of information to lead you to low rates and low mortgage payments. Additionally, make sure that you have compared a significant amount of loan rates and fees before you actually accept a lender’s offer.
About the Author:Talbert Williams offers debt consolidation referrals and advice. For more information, articles, news, tools and valuable resources on debt solutions, visit this site: http://www.1debtfreedom.com
Loans of all sorts often have limited amounts for borrowing. Most lenders calculate your earnings when applying for loans. The lender will consider various details, including repayments, acceptance, and so on before offering you a loan. Few lenders factor the loans by multiplying 3.25 times the gross salary of a single borrower. If you are joining with another party, then the calculations change, since two parties are applying for the loan.The lender will also consider equity, meaning that the lender will determine the amount he is willing to loan you against the equity of the home. This is a sort of promise that property will remain consistent with the loan amount. The lenders will factor in various costs, including stamp duty charges. Depends on the price of the home purchased, but for the most part you will pay a percentage of the entire balance of the property worth.The lender will also factor in surveyor fees, arrangement fees, legal charges, title, and other charges when considering a loan. The arrangement fees are “administration costs” that will cover the lenders wages. Premiums, additional fees, and prepaid coverage ensure the home may also be attached to the loan.The lender will also expect you to pay title fees, deposit fees, valuation fees, surveyors fees, solicitor fees, and so on upfront if you are giving the loan. There are ways to avoid some of these expenses; therefore, reading about equity loans online could provide you a wealth of information to help you save money. Various loans are available online and the equity loans have a wealth of information to lead you to low rates and low mortgage payments. Additionally, make sure that you have compared a significant amount of loan rates and fees before you actually accept a lender’s offer.
About the Author:Talbert Williams offers debt consolidation referrals and advice. For more information, articles, news, tools and valuable resources on debt solutions, visit this site: http://www.1debtfreedom.com
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