Advantage Of The Halifax Equity Release Scheme?

Submitted by: Mable William

The Halifax equity release scheme or as it is officially called by the Halifax, Retirement Home Plan is an interest only mortgage that is available to retirement people. With an interest only mortgage the outstanding balance always remains the same throughout and you make monthly payments of interest to the lender.

With traditional roll-up equity release you do not make any repayments of interest but the interest is being rolled up, meaning the outstanding loan is growing all the time. Typically, with current interest rates the loan will double every 12 years or so, this means that if you borrowed ?10,000 in 12 year’s time you would owe ?20,000.

For those retirees that can afford the monthly repayments from their pensions or state benefits then the Halifax equity release plan makes perfect sense. Oddly, the plan is not available from the Halifax themselves; you have to seek advice from a specialist equity release broker. Getting advice is vital for this type of plan as the consequences of getting it wrong can be very costly and maybe cannot be put right during your lifetime.

Does Halifax equity release plan require a repayment vehicle?

The simple answer to this is NO it does not. As the Halifax equity release plan is an interest only mortgage for pensioners, no form of repayment is required. This is one of the unique features of the plan.

[youtube]http://www.youtube.com/watch?v=yx9kmBGT2Fs[/youtube]

Your individual mortgage with the Halifax equity release scheme is allocated a term of 40 years, this should be ample to run for the rest of your life. In contrast to traditional interest only mortgages where the term allocated is generally a maximum of 25 years, the 40 years allocated should mean you will die prior to the term ending.

Can I pay off the Halifax equity release mortgage early?

Yes you can. You will, however, need to check that you do not have any early exit charges on the rate that you chose.

The Halifax equity release scheme or as it is officially called by the Halifax, Retirement Home Plan is an interest only mortgage that is available to retirement people. With an interest only mortgage the outstanding balance always remains the same throughout and you make monthly payments of interest to the lender.

With traditional roll-up equity release you do not make any repayments of interest but the interest is being rolled up, meaning the outstanding loan is growing all the time. Typically, with current interest rates the loan will double every 12 years or so, this means that if you borrowed ?10,000 in 12 year’s time you would owe ?20,000.

For those retirees that can afford the monthly repayments from their pensions or state benefits then the Halifax equity release plan makes perfect sense. Oddly, the plan is not available from the Halifax themselves; you have to seek advice from a specialist equity release broker. Getting advice is vital for this type of plan as the consequences of getting it wrong can be very costly and maybe cannot be put right during your lifetime.

Does Halifax equity release plan require a repayment vehicle?

The simple answer to this is NO it does not. As the Halifax equity release plan is an interest only mortgage for pensioners, no form of repayment is required. This is one of the unique features of the plan.

Your individual mortgage with the Halifax equity release scheme is allocated a term of 40 years, this should be ample to run for the rest of your life. In contrast to traditional interest only mortgages where the term allocated is generally a maximum of 25 years, the 40 years allocated should mean you will die prior to the term ending.

Can I pay off the Halifax equity release mortgage early?

Yes you can. You will, however, need to check that you do not have any early exit charges on the rate that you chose.

About the Author: Retirement Solutions is an indpendent financial adviser and specialist in equity release. We can also advise you on the Halifax equity release plan. Visit

retirementsolutions.co.uk/halifax-retirement-home-plan-mortgage

.

Source:

isnare.com

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U.S. Senator Obama announces presidential candidacy

Saturday, February 10, 2007

Junior Illinois Senator Barack Obama officially announced his presidential candidacy, today, in Springfield, Illinois. Obama’s speech was given from the same spot that Abraham Lincoln gave his “House divided” speech over 125 years ago and from the place where Obama began his elected career 10 years ago.

Obama is the second major Democrat to announce his candidacy, after New York Senator Hillary Clinton. If elected, Obama would be the first African American president of the United States.

It’s time to admit that no amount of American lives can resolve the political disagreement that lies at the heart of someone else’s civil war.

Obama placed topics such as healthcare reform, ending poverty, re-building labor unions, energy independence, repairing the US’s global image, and the Iraq War in the context of generational change. Obama spoke against keeping troops in Iraq, saying that “all of this cannot come to pass until we bring an end to this war in Iraq […] America, it’s time to start bringing our troops home. It’s time to admit that no amount of American lives can resolve the political disagreement that lies at the heart of someone else’s civil war.”

The announcement kicks off a weekend of rallies and events that will take Obama from Springfield to Iowa and then on to Chicago before he wraps up Monday in New Hampshire.

Obama broke onto the national scene with his popular speech at the Democratic National Convention. Born in Hawaii, Obama graduated from Columbia University before receiving his JD from Harvard Law School. In 1996, Obama was elected to the Illinois Senate, before rising to his current position in the US Senate in 2004.

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‘Top Model’ winner Jaslene Gonzalez on her career and being a Latina role model

Wednesday, February 13, 2008

Jaslene Gonzalez is not your typical model. She rose to fame after winning Cycle 8 of America’s Next Top Model, and since then, has been aggressively tapping into the fashion industry. As a result of her Latin background, Gonzalez has been successful at marketing herself both in the English-speaking and Spanish-speaking worlds. However, Gonzalez is much much more – a fighter, a humanitarian, and a good Latin granddaughter.

Born in Chicago to a Latina mother, and a Puerto Rican-born father, Gonzalez had, in many ways, a typical U.S. Latino experience – her tight knit family, grandparents, and spirituality played an intrinsic part in her upbringing.

“I went to an all-girl Catholic school and grew up with tons of family…..My family was very close knit and supportive. They were involved in my life everyday. So there was so much joy in every little occasion…..Every Sunday we would go to my grandmother’s house where we [the family] would hang out together….We enjoyed being around each other and being together,” states Gonzalez.

Her grandfather was the director of a local dance group, Viva La Gente, which Gonzalez credits with impacting her life positively.

“I was a dancer for 12 years and life revolved around dancing. I was a very active girl, and was always involved with my grandfather’s dance studio. The whole family was. My aunts, my cousins – everyone took part in performances and were involved in the group…That’s how we spent our summers, and we looked forward to being outside, dancing salsa, hip hop, merengue,” states Gonzalez. Through her involvement in the dance studio, Gonzalez’s horizon was broadened significantly, and her humanitarian streak began to deepen.

“We were always constantly traveling. We traveled to Mexico to poor villages where we gave performances to give back to the community,” said Gonzalez.

Ironically, ANTM gave her the opportunity to overcome her own difficulties and to further help those in need. “I went in there, without knowing that I was in an abusive relationship. They were the ones that brought that up to me…they felt I was emotionally destroyed, they wanted me to get support,” commented Gonzalez. While the ANTM staff was supportive, she also credits her life long dream for helping her get out of the abusive relationship.

“Having a dream and having a goal in life, is the most important thing I did in my life. Because of that I maneuvered my way to that dream. I knew I was better than that, I wanted to be happier,” stated Gonzalez.

Soon after winning ANTM, Gonzalez became a spokesperson for Liz Claiborne and the National Domestic Violence Hotline, and began traveling the country reaching out to women.

“We had several meetings, and they asked me to be a spokesperson. I was so happy and blessed to help women, to have that title. It’s something I want to do, besides modelling….I enjoy sharing my personal experiences because I can educate them, but I can also save someone’s life. It’s something precious, it’s a gift,” stated Gonzalez.

Abuse is not the only obstacle Jaslene has had to face. Growing up Latina had its own set of difficulties. “Being a minority is a challenge no matter what,” states Gonzalez.

However, Gonzalez also states that being a Latina has many positive aspects in regards to her profession. “As a Latina, you have the advantage of being a Latina. Not only do you have this corporate job, but you can relate to many groups as a person.”

When asked if the fashion industry forces Latina models to change certain aspects about themselves, she remarks that she focuses on always staying true to herself. “Modeling is a difficult job because of what you go through. 80% of the time it’s a no…When I go in, I go in like me, I don’t have to change anything. Any time I get a chance to show who I am, I do. I am a Spanish girl, trying to pursue my dreams. I try to be the best I can be,” remarked Gonzalez.

It is that same confidence and will to succeed that she seems to appreciate in other woman. “I find women beautiful. I find a girl with no makeup, not worrying about her style and appearance, I find that sexy. I find confidence beautiful…Its so simple. It’s being natural and confident,” said Gonzalez.

As a role model, she has two key pieces advice that she offers women: nurture your mind with positive thoughts, and identify and foster the principles in life you value.

It is not surprising to see why Gonzalez’s family is proud of her. “My family is so funny. They are so happy. I’ve never seen them so full of life. My mom acts like she won. My grandmother screams ‘mi flaca‘ every time she sees me. They are so proud. Especially my grandparents. I was practically raised by them. To see them see you so happy and successful, there couldn’t be a better feeling,” said Gonzalez.

She adds that her grandparents would be extremely happy if she appeared on Cristina, the Spanish-language talk show whose host is referred to as “the Spanish Oprah Winfrey.”

In the coming years, Gonzalez plans to continue on the path she is on. She wants to continue gracing magazine covers, as well as dedicating herself to helping young teens develop self growth and esteem. “Every time I wake up, God gives me the opportunity to be a better me…Life gets better as it goes by.”

This is the third in a series of articles with America’s Next Top Model contestants.

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Get A Hot Tub: Shopping Tips For Indoor And Outdoor Spas

byAlma Abell

Spas and hot tubs can most certainly be a benefit to the home. They can increase the property value, and also have many health benefits for users. However, before you Get a Hot Tub, it is important to know what to look for. While you might believe it’s as simple as choosing the one that looks the best, there are factors that must be considered including seating capacity, site preparation, and electrical hookups. As you begin shopping for the new hot tub or spa of your dreams, consider these important shopping tips below.

Location and Space

Whether you’re going to have your hot tub installed indoors or outdoors, you will need to have a good idea of where you’d like to have everything set up. You should start by designating either an area in your home or your yard. Next you will need to determine approximately how many people you will entertain in the hot tub at once so you can determine the size hot tub you will need. If you’re placing your hot tub outdoors, you can use a rope to mark off the area you think it would best fit.

Electrical Hookup

No matter what type of hot tub you get, it’s going to be operated with the use of electricity. While there are some models of hot tubs that operate on standard 120 volt electrical outlets, this is not always the case. There are some brands that require 240 volt circuits instead. It may be advisable to have a qualified electrician do a quick survey of your home’s electrical system. This will determine whether or not the hot tub you wish to purchase will be compatible with your home’s electrical source or if you will have to install additional circuits.

Once you’ve determined which hot tub you’d like to purchase, it is imperative to have it installed by professionals to ensure that you’re in compliance with all local codes. To learn more about how to Get a Hot Tub, contact experts at East Coast Leisure. They can help you with determining the best hot tub and spa to have installed either indoors or outdoors.

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Satanism: An interview with Church of Satan High Priest Peter Gilmore

Monday, November 5, 2007

In the 1980’s and the 1990’s there were multiple allegations of sexual abuse of children or non-consenting adults in the context of Satanic rituals that has come to be known as The Satanic Panic. In the United States, the Kern County child abuse cases, McMartin preschool trial and the West Memphis 3 cases garnered worldwide media coverage. One case took place in Jordan, Minnesota, when children made allegations of manufacturing child pornography, ritualistic animal sacrifice, coprophagia, urophagia and infanticide, at which point the Federal Bureau of Investigation was alerted. Twenty-four adults were arrested and charged with acts of sexual abuse, child pornography and other crimes related to satanic ritual abuse; only three went to trial with two acquittals and one conviction. Supreme Court Justice Scalia noted in a discussion of the case, “[t]here is no doubt that some sexual abuse took place in Jordan; but there is no reason to believe it was as widespread as charged,” and cited the repeated, coercive techniques used by the investigators as damaging to the investigation.

One of the most visible Satanic organizations—though one that was never a suspect or charged in any of the Satanic Panic cases—is the Church of Satan, founded by Anton LaVey. Members of the Church, such as Peter H. Gilmore, Peggy Nadramia, Boyd Rice, Adam Parfrey, Diabolos Rex, and musician King Diamond, were active in media appearances to refute allegations of criminal activity and the FBI would later issue an official report debunking the criminal conspiracy theories of this time.

Gilmore feels Satanists are often misunderstood or misrepresented. LaVey’s teachings are based on individualism, self-indulgence, and “eye for an eye” morality, with influence from Friedrich Nietzsche and Ayn Rand; while its rituals and magic draw heavily from occultists such as Aleister Crowley. They do not worship—nor believe in—the Devil or a Christian notion of Satan. The word “Satan” comes from the Hebrew word for “adversary” and originated from the Abrahamic faiths, being traditionally applied to an angel. Church of Satan adherents see themselves as truth-seekers, adversaries and skeptics of the religious world around them.

On a windy October day in Central Park, Wikinews reporter David Shankbone sat down with the High Priest of the Church, Peter H. Gilmore, who has led LaVey’s congregation of Satanists since his passing in 1997 (he became the High Priest in 2001). They discussed the beliefs of the Church, current events, LaVey’s children and how Satanism applies to life and the world.

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Wikinews interviews Steve Burke, U.S. Democratic Party presidential candidate

Sunday, December 13, 2015

This article is a featured article. It is considered one of the best works of the Wikinews community. See Wikinews:Featured articles for more information.

Macomb, New York Councilman Steve Burke took some time to speak with Wikinews about his campaign for the U.S. Democratic Party’s 2016 presidential nomination.

Burke, an insurance adjuster and farmer, was elected councilman in Brookhaven, New York in 1979. He left the town after being accused and found not guilty of bribery in the 1980s. Since 1987 he has served as Macomb councilman off-and-on and currently holds the post. From 1993 to 1996 and 1999 to 2002 he worked as chairman of the Democratic Party of St. Lawrence County, New York. Among his many political campaigns, Burke unsuccessfully sought the Democratic Party’s presidential nomination in 1992 and recently attempted to run for U.S. Congress in 2014 but too many of his ballot petition signatures were found invalid. Burke filed with the Federal Election Commission to run for president in the 2016 election on September 18, 2015 and has qualified for the first-in-the-nation New Hampshire Primary.

With Wikinews reporter William S. Saturn?, Burke discusses his political background, his 2016 presidential campaign, and his policy proposals.

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Chantelle wins Celebrity Big Brother

Friday, January 27, 2006

Chantelle Houghton has won the British reality TV show Celebrity Big Brother. Michael Barrymore came in second place.

Houghton, 22, was the only non-celebrity on the show and was given a secret mission for four days by Big Brother to convince the other housemates she was a member of the fictional band “Kandy Floss”.

The television show, aired on Channel 4 in the United Kingdom is a spin off of the popular series shown around the world. This series of the show started on 5 January 2006 and lasted for 23 days. There were 11 housemates, six of whom were evicted on the 27 January 2006.

Unknown to either the audience nor the winner until her exit interview, Houghton won £25,000 for winning the show and not being a Celebrity.

Also evicted on the 27th were:

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Payday Cash Loan Tips To Save Money Throw 5 Things Away

It has been tried-and-tested that there is money in trash. There even has been stories about people who had it big through selling other people’s trash. So if you want to earn money, you know what to do. This idea is even better than putting up your business because you don’t need a capital. As such, there is no need to apply for an instant source of cash through loans. But for emergency purposes, these loans can be of great help.

If you have wanted to earn more cash without getting into business, this is your chance. Just de-clutter your home and you can find money in the things you don’t need anymore. Segregate the things you can sell, you can put on auction, and more. Here are some ideas.

Old magazines. Magazine subscriptions can give you a pile high of reads every year. If you don’t need these magazines anymore, other people would be interested to keep them. Check for special editions especially and you can sell them for a higher price. You can even make arts and crafts products out of pages of these glossies so consider this option as well. You can create wrappers, envelopes, and whatnot.

[youtube]http://www.youtube.com/watch?v=A_lOvlrycfQ[/youtube]

Receipts and bills. These pieces of papers may help you cut out some amount off your tax payments. But if years have passed and you still keep them, you are collecting nothing but trash! Throw them away or recycle them. To save on paper, opt to receive online receipts instead.

Old clothes. Commonly, the life span of your clothes in two years. So unless they are a designer brand or collection-worthy, it is time to throw them away. You can start a garage sale or sell them on Ebay. You can also donate them to charity or hand them down to your relatives or friends who find them useful.

Books. Books are a treasure but if you too many, it doesn’t hurt to share them with others. You can give them or donate them to libraries or public schools but you can also make money out of them. There are second hand bookstores out there that are willing to pay you for your old collection. You can also sell them online such as Ebay and Craigslit.

Medicines and vitamins. Food have an expiration date so consume them before they reach the date. Check your pantry for expired food and consume those that are nearing the deadline. And to avoid wasting such precious grace, avoid buying too much food. Make pastries out of them, too. You can earn money from canned goods as long as they are in good condition.

If you want to earn money, sell some of your trash. It’s a win-win situation because you get to clean your home and you get to earn on the side. This is one sideline you don’t need payday cash loans for. But for your urgent needs, there is nothing more helpful than these loans. Just go for the best lender and get the money within 24 hours.

Article Source: sooperarticles.com/finance-articles/loans-articles/payday-cash-loan-tips-save-money-throw-5-things-away-836712.html

About Author:

This is the last time that author E.A. Hammer will write about financial starvation as she has created many great works on financial wisdom at her Payday loans website. You, too, can benefit from her savings tips.Author: Faye Dayton

News briefs:June 1, 2010

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