Secured Personal Loans: Cash Help for Personal Desires in Lieu of Collateral

Secured personal loans are the ultimate solution to your financial crisis. These loans are offered by keeping your house or property as collateral. The natural advantage of these types of personal loans is low interest rates. Because borrowers usually offer their property as collateral, lending institutions have no qualms about providing low interest rate.

The money taken from secured personal loans can be used for various purposes. You can utilize the money for your home improvement, purchase of a new house, a new car, home renovation, medical expenses, and educational fees. Therefore a secured personal loan covers your all personal financial requirements.

This loan is a kind of financial aid where you are required to place collateral for your loan. Collateral is the security in the form of your property, valuables, important papers, jewelry, and other similar things. According to the value secured asset lender avail you money on his terms.

With these loans one can avail an amount of $ 5000 to $ 75,000. The amount of loan can be increased by placing a high value collateral. The repayment term of the loan is also very flexible you can successfully make the repayments within 5 to 25 years.

Generally the loan offers a lower rate of interest. Due to the value of the placed collateral lender charges a lower rate of interest. People going through adverse credit records due to arrears, IVAs, bankruptcy, and defaults can also take financial help through secured personal loans.

Secured personal loan is the best way to go for financial help. This is a method that avails you money on flexible conditions. In order to look out for some of the good options in these loans one needs to carry a comprehensive approach. There are various online and offline lenders availing secured personal loans.

Andrew devan
http://www.articlesbase.com/loans-articles/secured-personal-loans-cash-help-for-personal-desires-in-lieu-of-collateral-733137.html

Published on 17 Apr 2010 in personal bankruptcy, by admin

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Healing Cancer Holistically

There are numerous holistic sources that claim to be healing cancer with varying degrees of success. A few of these report success greater than 90 percent of the time. I have spent years researching and finding the best information available, and have compiled a list of the most important considerations relevant to cancer. I present here a distillation of these factors, as well as a brief exploration of some approaches that would be more likely to fail so these can be avoided.

This article will cover four basic areas:

• How and Why the FDA has Failed Us.
• Holistic Options that Fall Short.
• Comprehensive Holistic Treatments.
• A Note on Allopathic Cancer Treatments.

How and Why the FDA has Failed Us:

If cancer can be treated so effectively using holistic means, then why isn’t the allopathic medical establishment using such methods and showing greater success?

As many of us know, the EPA and the FDA have failed us when it comes to cancer. It’s no wonder that one out of three people are expected to get cancer some time in their lifetimes. Such an outrageous statistic is only possibly due to gross levels of corruption in our government.

It is now common practice for pharmaceutical industry executives to gain top posts in the FDA where they are then able to make critical decisions affecting the industry that they are charged with regulating. Then, a couple years down the road, they are offered high-paying positions back in the same industry that they just helped through their post at FDA. The implications of this blatant conflict of interest are obvious. One example of many is that of Michael Taylor who had been a Monsanto attorney before going to work for the FDA. During his time at FDA, he contributed to creating a new FDA policy that deemed genetically modified foods as “generally regarded as safe”, or GRAS. He also wrote the policy exempting biotech foods from labeling. Following his time at FDA, he went back to work for Monsanto – no doubt in a very lucrative position. Searching Google on “FDA revolving door” (without the quotes) turns up 28,900 results.

Consider: We know that money corrupts and that people will do outrageous things for money and power. These things go without saying. With all their science and research:

• Why don’t doctors tell their patients about how cancer loves an acid environment and cannot survive in an alkaline environment? Why don’t doctors tell patients to stay away from acid-producing foods and focus on alkali-producing foods? Why not give people lists of these foods?

• With all of the science and research, why don’t they tell people that cancer loves sugar?

• Why don’t they tell people that cancer thrives in oxygen-deprived cells? Why don’t their protocols work more with oxygenating the cells and blood?

• Why don’t they tell you which vitamins and supplements inhibit cancerous growth?

Just imagine, for a moment, if a cure was found. Imagine the possibility that there are currently very effective holistic treatments. If they came into wide usage, imagine:

• All the research grants that would go out the window.

• Think about all the expensive diagnostic and treatment equipment in doctor’s offices and hospitals that would be rendered useless.

• The loss of revenue to doctors and researchers who use such equipment, and the manufacturers and sales people who sell them.

• The many expensive surgeries that would end.

• The sales of many life-long prescription pharmaceutical drugs would end.

How much money are we talking about? Treatment for one person will typically cost between $80,000 to $160,000. The medical industry represents one-seventh of the total United States Gross National Product at one trillion dollars per year with revenues associated with cancer reaching $400 billion annually. Is it any wonder that holistic options are off the table? The cancer industry cannot make a dime off of broccoli and carrots and vitamins and healthy people. A healthy person is lost profit.

“But nobody today can say that one does not know what cancer and its prime cause be. On the contrary, there is no disease whose prime cause is better known, so that today ignorance is no longer an excuse that one cannot do more about prevention.”

- Nobel Prize Winner Otto Warburg in a meeting of Nobel Laureates, June 30, 1966

Holistic Options That Fall Short:

There have been a number of books that suggest that the cure for cancer is one key factor, such as using specific nutritional supplements effective against cancer or an herbal cure for cancer. Using only herbs to cure cancer may not be the right answer for the same reason that I would not limit my own treatment to a single homeopathic option. The reason is simple. Alternative cancer remedies typically only give you part of the picture and fail to address the underlying causes of cancer.

Regardless of whether one is talking about stage three breast cancer, lung cancer, or prostate cancer, an herbal remedy or a homeopathic cure for cancer may do precious little to shift the pH (i.e. the alkalinity) of the body, and precious little to eliminate the toxins accumulated in the body that gave rise to the cancer in the first place. Further, if you kill the cancer cells, but you are still eating a diet consisting primarily of acid-producing foods, and you do not cleanse the body of accumulated toxins, then your cancer is likely to come back again.

Comprehensive Holistic Treatments:

To be most successful, any cancer remedy must address the underlying causes of cancer. Holistic Cancer Cures can be highly successful – given that one follows a protocol with a proven track record of success.

There are a wide array of factors that support or promote cancer that should be avoided. Nothing here should be ignored. A few are obvious, but several are unknown by most people. Knowledge is indeed power. So read this with an open mind and get ready to reclaim your health.

The best holistic cancer treatments should include three primary and essential considerations:

1) Cancer thrives in an acid environment in the body and for the most part cannot survive in an alkalized body. So an alternative treatment for cancer must inform you fully on acid-producing foods and alkaline producing foods so the pH of the body can be shifted away from acid and toward a healthy alkaline state. And this is easy to do because there are many lists of acid versus alkaline producing foods to be found on the internet.

But again, that’s only part of the story. Consider – if the body is full of toxins – many of which are acid-based, then it may not be possible to alkalize the body sufficiently without also addressing the next two steps:

2) Any holistic cancer treatment worth its salt will inform you of the many sources of toxins in our food and water, and how to best avoid them. And this brings us to the third element of your journey to healing cancer.

3) Treating cancer must address how to cleanse the body through use of a variety of detoxification products to eliminate accumulated toxins.

So again, natural cures for cancer are incomplete without these three elements. But with them, it can truly be said that healing cancer with a holistic approach is typically successful. This includes even advanced cancers, depending on, for instance, the degree of damage to vital organs and the person’s age.

On my website, I offer a document that provides details on the above three factors, as well as:

• A link to the best cancer diet to follow, which will, for example, discuss foods that are high in fungus and molds, foods that are genetically modified, which cooking oils to use, and much more.

• A list of supplements that are effective against cancer.

• A link to the best alternative cancer treatment website where you’ll find well more than 200 specific alternative cancer protocols that have a proven track record against many, many forms of cancer. This website will give you detailed information on things like contraindications, other relevant safety information, and much more.

• Details on approximately twenty of the most common and impactful sources of toxins in our society, as well as specific research and links for each to help you understand why you need to stay clear of them. Toxins can come from unexpected sources. Examples include non-stick cookware such as Teflon; plastics in touch with foods and drinks; microwave ovens, which transform foods in dangerous ways; municipal water which typically contains chlorine and fluorosilic acid – a highly toxic industrial waste product passed off as fluoride to help children’s teeth; genetically modified foods; common artificial sweeteners that turn into formaldehyde in the body; MSG, which is now in abundant supply in fast foods and hidden by using more than 15 different names; and even plastic shower curtains which outgas a huge amount of toxins.

• Information on the best products and means that I’ve been able to find over the years to help you limit your exposure to these dangers.

A Note on Allopathic Cancer Treatments:

People would do well to remember what the cancer establishment refers to as ‘terminal’. In my opinion it typically means that in their paradigm, they have no good answers for you. This document, with its sources, has much better answers – ones that won’t bankrupt you.

The FDA likes to restrict the use of the words “cure” and “heal”. Now, if what is happening is that people’s cancers are going away and these patients are finding health and vitality – then perhaps to call it anything other than a healing would be inaccurate. Cancer patients are using holistic approaches and finding health. That’s a reality. The sources sighted in the document available for download on my website speak for themselves.

I speak to you as one person to another. It’s up to you to look at the evidence here and on my website as well as that presented by your doctor to make up your own mind for what is right for you. This is your opportunity to take responsibility for your own health.

I am convinced that the holistic approach is much more effective than the toxins of chemotherapy, radiation, pharmaceuticals, and toxic and acidic food being promoted by the mainstream allopathic path. It is my understanding that the holistic path, using specific protocols, achieves healings above 90 percent where the allopathic world knows something closer to 30 percent. That’s a guess, for now. So if you want one-third the chance of healing and a path that bankrupts you and leaves you sicker by the month – go allopathic. If you want three times those odds and a path that strengthens you each step of the way, then go with this document. One other important consideration – the allopathic path does nothing to address the underlying causes of cancer in the first place. As a result – if you continue eating the same foods and exposing yourself to the same toxins, your cancer is likely to come back again a few years down the road.

DISCLAIMER – The information in this article is provided for educational and informational purposes only. These statements have not been evaluated by the Food and Drug Administration. The author is not a doctor and is not attempting to recommend, prescribe, treat, cure, mitigate, or prevent any disease and in no way is the information contained in this document intended to be a substitute for a health care provider’s consultation. The content is based upon research by the author. The reader is encouraged to make their own health care decisions that can be based upon their own research and then partnering with their own health care professional. If you are ill please consult a qualified physician or appropriate health care provider.

Cole Simonson
http://www.articlesbase.com/cancer-articles/healing-cancer-holistically-713059.html

Published on 17 Apr 2010 in going bankrupt, by admin

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Freedom Debt Relief Offers Answers, Clarity for Those Struggling With Debt

As the nation’s economy has declined, Americans are feeling the pinch, with an average of more than $16,000 in debt per person among those who have a credit profile. Freedom Debt Relief co-founder and co-CEO Brad Stroh reminds those who are facing serious debt hardship that they do have options when it comes to getting help.

“If you have trouble paying the bills, are receiving calls from collectors, are struggling to pay off bills from a medical episode or an accident, or are starting to believe you might be better off not opening the mail, you are in too deep,” said Stroh, whose company has resolved debts for more than 50,000 clients over the past six years. “It’s time to re-assess — and the good news is, you can get help without resorting to bankruptcy.”

Debt Resolution firms, such as Freedom Debt Relief (FDR), negotiate on the consumer’s behalf with creditors. They settle on a lower amount that typically can reduce a consumer’s principal balance due — rather than just interest rates — and lower total payments by 40 percent to 60 percent with a repayment term of two or three years. Credit scores may be negatively impacted, but responsible credit use after completing a debt resolution program can rebuild credit relatively quickly.

Debt Consolidation rolls multiple debts into one loan or into a mortgage. It may or may not bring lower payments. Borrowers using a mortgage to consolidate put their homes at risk and might run up just as much credit card debt within a few years. Those considering debt consolidation must make sure they can afford the resulting payment. Those considering using a mortgage for consolidation must make sure that they are not putting their homes at risk of foreclosure.

Credit Counseling provides lower interest rates, with a repayment term of five to 10 years. Total debt principal is not reduced. Many credit counseling firms operate with creditor funding, so the debt management plans created for consumers may be more in line with interests of the creditors. In addition, credit profiles can prevent access to credit while a consumer is in a program, as many lenders view debt management plans similarly to bankruptcy.

Bankruptcy is a less-viable option for most consumers today, following the reforms of several years ago. Those changes included the institution of a “means test” to determine eligibility for Chapter 7 protection, which eliminates most consumer debt. Those whom the law deems to have enough income (as defined by each state’s median household income) to re¬pay at least a portion of their debt cannot obtain Chapter 7 protection. Chapter 13 filings – which re¬quire consumers to repay debt on a repayment plan – are still available, but generally offer less-favorable terms than found in debt resolution, and result in a significant black mark on a credit report.

Questions to ask a debt partner
People who are looking for a trustworthy organization to help win the battle against debt can ask Stroh’s seven questions to choose a reputable firm:

1. Compensation: Does the company get any form of consideration or compensation from the creditors themselves? Some firms receive funding in the form of what are called “fair share” payments from creditors. The payments are incentives to get consumers into debt management plans (DMPs), and could lead to a conflict of interest between creditors’ and consumers’ interests.

2. Professional memberships: Is the company a member of its industry associations, or does it hold itself to a quality standard verifiable by third-party accreditation? A “yes” answer means the company is willing to have its practices scrutinized and to respond to consumer complaints.

3. Individualization: Does the company provide actual consultations and provide advice/education to consumers free of charge? Or is the company simply directing every consumer into a debt management plan?

4. Free education: Does the company provide educational material, including budgeting and financial advice, free of charge? Many firms consider educational material an additional fee source, not a benefit to their clients.

5. Background: What is the background of the company’s management team? Look for good, relevant education and experience — not a team that jumps from opportunity to opportunity to make its fortunes.

6. History: How long has the company been in business?

7. Success: What are the company’s dropout and success rates? Request these statistics. Leading credit card companies report that many credit-counseling firms have dropout rates as high as 90 percent.

About Freedom Financial Network (www.freedomdebtrelief.com)

Based in San Mateo, Calif., Freedom Financial Network, LLC (www.freedomfinancialnetwork.com) provides consumer debt resolution services through its Freedom Debt Relief and Freedom Tax Relief divisions. The company works for the consumer, negotiating with creditors to lower principal balances due that can often result in savings of up to half the amount owed.

Freedom Debt Relief (FDR) has served more than 50,000 clients since 2002 and currently has 28,000 clients working with the company to resolve their debt challenges. In the past month alone, the company resolved more than 3,500 cases for its clients, representing accounts worth more than $20 million. On average, FDR settles cases on behalf of its clients for 47 percent of the outstanding balance — a savings of 53 percent.

Company co-founders and co-CEOs Andrew Housser and Brad Stroh were named to the Silicon Valley/San Jose Business Journal’s “40 Under 40″ list in 2008, and are recipients of the Northern California Ernst & Young 2008 Entrepreneur of the Year Award. The company, with 475 employees, was voted one of the best places to work in both the San Francisco Bay Area and in Phoenix, home of a satellite office.

Mark Bowland
http://www.articlesbase.com/personal-finance-articles/freedom-debt-relief-offers-answers-clarity-for-those-struggling-with-debt-721342.html

Published on 17 Apr 2010 in bankruptcy protection, by admin

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Credit Card Debt Settlement promising alternative to declaring bankruptcy

When you get to the point where you cannot even afford your minimum payment to cover all your debts, you may think about bankruptcy; however this is the wrong move.  bankruptcy protection will only give you short term relief and destroy your credit, meanwhile you will eventually have to pay back all of your debts anyway, but from scratch.  Filing for bankruptcy is the wrong move.  Negotiating down your debt is and settling it is the best option for someone facing debt problems.   
Here are some tips to avoid bankruptcy and negotiate a settlement to get out of debt
Time is on your side: Time is the best healer. The longer your debt goes unpaid the more willing and eager the creditors will be to offer a settlement.  Your chances will only increase with time and no payments being made.  From the creditor’s perspective, they have a debtor that hasn’t made a payment in 12-18 months and then all of the sudden calls them up and offer a lump sum payment for 30% of the total debt, more often than not the creditor will take that settlement and move on.  This is much better than chasing the debtor for another 12 months.  Now, this is not the cure all to all debt, because it does depend on the amount owed and the creditor seeking the debt.  Often times the creditor will purse legal action by suing you and at the very extreme attempting to receive a judgment and garnish your wages.  The majority of cases do not go this far as the creditor is willing to work with the debtor on a settlement, but it has happened before.  If you start to receive calls from a different collection agency this is good news for you, because this indicates that the first creditor has given up and now it’s the second creditors turn.  This will mean that the second creditor is more likely to accept a reasonable settlement from you.  So, the more time you take in saving money and not paying the creditors, the more favorable settlement you may get.  Use time as your weapon against your debt.

Do not accept the first settlement offer: Continue negotiating even if you think you have a decent settlement offer.  Often times the first offer is a starting point of negotiation, while it may take a few more months to receive a decent offer that works for you.  Do not seem too eager to settle, because if the creditor notices that then they may not offer you a decent settlement.  Stay strong and hold out, eventually you will get something that works for both you and the creditor.  Think of the first offer as a starting point.

Inform the creditor of the Statute limitations: Let the creditor know that you are aware of the statue of limitations and that the creditor only has a certain period of time in collecting the debt.  Keep abreast of the new laws and regulations that come about that protect consumers from predatory creditors.  Use this as a negotiating tool.

Make threats of bankruptcy: Let the creditor know that you may want to file for bankruptcy instead and if that happens the creditor will not get anything (depending on the situation).  Again time comes into play here, if you file for bankruptcy the creditor needs to get in line to collect and it may be a long while before that can happen.  The creditor knows that bankruptcy will drag your case further out and hence will be willing to offer a more attractive settlement.  Of course, you are just using this bankruptcy threat as a leverage tool, since (as stated above) bankruptcy is not a great option when dealing with debt.  Create the illusion that you are trapped and it is either a very low settlement figure or bankruptcy that will work, the creditor will most likely accept the settlement figure.

In conclusion:  Use the many tools discussed here to dictate the negotiation to your creditor.  Be in control of when you want the final settlement to be and for how much.  Remember, they need something from you and are willing to make a deal.  Settle those debts and get that fresh start that you deserve!

Brandon Maddox
http://www.articlesbase.com/business-articles/credit-card-debt-settlement-promising-alternative-to-declaring-bankruptcy-1245104.html

Published on 17 Apr 2010 in bankruptcy laws, by admin

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Can I file personal bankruptcy without an attorney?

I found a website for do-it-yourself filing. They make sure you get all the necessary forms for a nominal charge, but I wonder if I’m gonna get scammed.

You can do it, however it might be one of the most expensive mistakes you ever make in your life if you screw it up or leave something out. Trying to go cheap usually ends up being expensive in the long run. And then there is ALSO the possibility of being scammed and your identity stolen through someo of these websites. You’ve been warned!

Published on 17 Apr 2010 in personal bankruptcy, by admin

4 Comments >>

Does the Tea Party think the US would cease to exist if it went "bankrupt"?

How does a government already trillions of dollars in debt from Republican presidents go "more" bankrupt?

The TEA Party was started when George Bush was in office and was protesting the excessive spending of George Bush.

You just were not paying attention at the time because the TEA Party was criticizing George Bush not Barack Obama.

Now that the TEA Party is criticizing Barack Obama, a hero of the Radical Extreme Left, it appears that the Radical Extreme Leftists are upset at the criticism of one of their heroes.

Barack Obama has greatly increased the rate of Federal Spending, far beyond even the most irresponsible spending of George Bush..

Although The United States of America will still exist if the Country goes bankrupt, life will be hellish for all of the Citizens of The United States of America.

Not only will Federal Spending be forced to be cut drastically, the debt will be almost impossible for The citizens to repay.

Essentially if we let the irresponsible out of control spending get to the point where The United States of America cannot borrow money, the results will be disastrous.

If you think that the current economic circumstances are bad now, this is nothing compared to how bad it will be if we get to the point where The United States of America can no longer borrow money.
.

Published on 17 Apr 2010 in going bankrupt, by admin

13 Comments >>

does going bankrupt affect sponsoring someone to enter the UK – immigration problems?

I was thinking about going bankrupt or getting an IVA to sort out my debt. However my partner is from Barbados and i am his sponsor when he comes to the UK. I was wanting to know if immigration here in the UK would see this as a problem?? Thanks

To sponsor someone coming to uk you must show that you have at least £350 per week going into your bank account as you will be supporting them and if you go bankrupt you will not be able sponsor anyone and you loose your property

Published on 15 Apr 2010 in going bankrupt, by admin

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Which type of personal bankruptcy is more common, and what does the type of bankruptcy depend on?

I’d also like some idea of just HOW much more common one is compared to the other. In other words, is it 60%/40%? 95%/5%? etc…

Thanks!

ASSUMING YOU ARE ASKING ABOUT THE USA…

In 2009 Ch 13 bankruptcy filings were about 26% of all personal bankruptcy filings, with Ch 7 making up virtually all the rest.

(source: http://www.creditslips.org/creditslips/2… )

Ch 11 and Ch 12 can also be used by individual debtors, but they are both rare enough not to really impact the national statistics. Ch 11 is for millionaires and Ch 12 is for family farmers and fishermen.

Thus, Ch 7 was by far the most frequently used Chapter of the Federal Bankruptcy Code for consumer bankruptcy filings.

Published on 13 Apr 2010 in personal bankruptcy, by admin

1 Comment >>

if torrents offer almost everything for free why havent companies like Microsoft and others gone bankrupt?

i want to download microsoft word processor 7 through torrents, but my mom is skeptical. she claims that if everyone could get this thing for free, all companies would go bankrupt. and that is true, if everyone could get something for free rather than spending money, why havent companies gone bankrupt? of course its not easy to torrent, but with practice every one could get the basics down.

everybody does not use pirated software….in fact most official companies and organizations and a lot of individuals too buy original software…..especially if they use the software for commercial purposes….
original software has many advantages like free from viruses and spyware, free updates, registration and other benefits from the company….. it feels great to be sure that you and not gonna get in trouble….original software = peace of mind

Published on 13 Apr 2010 in going bankrupt, by admin

9 Comments >>

Final Fantasy XIII Question: Does anyone know how to reach the treasure spheres in chapter 11?

I am seeing all of these treasure spheres in chapter 11 (the open plain area) and the "jump circle" but whenever I go near the jump circle nothing happens. Is there something I have to do to be able to reach these orbs? I see one in the middle of a pond and quite a few up on the mountain tops. Please Help.

In Order to do the following u must defeat the main boss in chapter 11, when u do so the required cieth stones are activated, then u have 2:
1-Complete missions 1, 2 and 3 to unlock missions 5 and 7.
2-Complete missions 5 and 7 to unlock mission 12
3-Complete mission 12 to unlock missions 13 and 16.
4-Complete mission 16 to open the font of Namva area in the The Archylte Steppe region.
5-Now mission 13 is unlocked, complete it 2 unlock mission 14.
6-Complete mission 14 to obtain Gysahl Reins which allow u 2 ride chocobos, which in turn can jump of yellow markers to reach the treasure spheres.

Published on 11 Apr 2010 in chapter 11, by admin

2 Comments >>