home EQUITY Loan
Home equity loan is a type of borrowed money wherein you can use your house's equity as your collateral. What does this mean? Let us explain first the term equity and collateral to better understand what home equity loan is.
Collateral is a property that you guarantee to a lender so that you can borrow money. In a time when you will not be able to pay your borrowed money, the lender will get your collateral. In this case, your collateral for your home equity loan is your house.
Equity is basically the amount of your house minus the money you still owe on your mortgage when you first bought your house plus the recent market value of your house at the time that you will get a home equity loan. For example, your house is worth $400,000 the time that you bought it, 5 years ago. You gave a downpayment of $30,000 plus an additional of 5 years of continuous payments of $2,500 per month. Your total payment for your house is now $42,500, right? ($2,500 x 5 years + $30,000 downpayment). Your home equity doesn't stop at just $42,500. Because 5 years ago your house was only worth $400,000 and may now be worth $500,000. You can get a land surveyor to know the recent market value of your house. So your home equity is actually $42,500 + additional of $100,000 because there's a $100,000 increase in your house's market value. Your home equity now is $142,000 which in home equity loan you can turn your home equity of $142,000 into cash which you can use for home improvements, debt consolidation, college education or other expenses.
Home equity loan is therefore a useful loan you can use for expenses that you need to pay. There are actually two types of home equity loans. The first one is home equity loan and the second one is lines of credit.
A home equity loan is a one time lump sum that is paid over a certain period of time with fixed interest.
Lines of credit type of equity loan is like a credit card. Your home's equity is like your credit limit. You pay it like a credit card and once you have paid off some of the money you spent on your credit limit, your credit limit gets back. Interest rates varies like that of the interest of a credit card unlike that of a home equity loan wherein the interest rate is fixed.
What then is the better type of home equity loan? This really depends on your money needs. If you need a big time money then we suggest that you take down the home equity loan. If you need money from time to time and would like a security of a credit card, then we suggest that you take a lines of credit type of equity loan.
Thursday, October 4, 2007
Refinance
refinance
Refinance is applying for a secured loan to pay off or have a better interest rate for the same loan you have using the same asset.
Refinance is an option for a lot of factors. One factor may be that when they got their original loan it had a fixed fee but since interest rate mortgage now declined considerably, they refinance to get a new loan with lower interest rate. Another factor is when the orignal loan does not have a fixed interest rate and since it can go up, others refinance to get a fixed rate over a period of time so that they will have a fixed monthly payment to do and not worry about what the interest rate dictates. Another factor may be that others choose to refinance to shorten the length of their mortgage. The shorter the length is the more money they can save on interest rates.
Refinance is one of the most popular way to pay off debts and save money aswell. You just have to be careful in considering to refinance. You have to also consider the processing fees you need to pay and others. So if you will do refinance, since this is one way to save money and pay off your debts, just make sure that you will. Because having a bad judgement and not being careful when doing refinance could actually cost you more than your previous loan.
Refinance is applying for a secured loan to pay off or have a better interest rate for the same loan you have using the same asset.
Refinance is an option for a lot of factors. One factor may be that when they got their original loan it had a fixed fee but since interest rate mortgage now declined considerably, they refinance to get a new loan with lower interest rate. Another factor is when the orignal loan does not have a fixed interest rate and since it can go up, others refinance to get a fixed rate over a period of time so that they will have a fixed monthly payment to do and not worry about what the interest rate dictates. Another factor may be that others choose to refinance to shorten the length of their mortgage. The shorter the length is the more money they can save on interest rates.
Refinance is one of the most popular way to pay off debts and save money aswell. You just have to be careful in considering to refinance. You have to also consider the processing fees you need to pay and others. So if you will do refinance, since this is one way to save money and pay off your debts, just make sure that you will. Because having a bad judgement and not being careful when doing refinance could actually cost you more than your previous loan.
Debt Consolidation
debt consolidation
Debt consolidation is basically to combine all the loans you have into one secure loan. This is made to make payments of loans easier. There's also a lot of benefits in debt consolidation because you can secure or have a fixed interests rate and sometimes even lower interest rate than your orther loans.
Debt consolidation offers lower interest rates because more often than not most of our loans have no collateral meaning unsecured loans. In debt consolidation, the lender often asks for a collateral, mostly your house, thus making them more secured and giving you lower interest rates.
When looking for debt consolidation, you have to be very patient because if you are, then you can find a company that can offer you the a very low interest rate consolidating your debts. It's a tough competition so there are a lot of debt consolidation services that offers competitive interest rates.
If you are considering debt consolidation as a way to fix your debt problems, you have to be very careful. Try to find the company that offers low transaction fee for your debt consolidation and low interest. You also have to total the money you will need to pay in your debt consolidation. If you will pay more than the total amount of loans you have now, then why consider it? Think very carefully. You may be able to solve your problem for now when you get into debt consolidation, but you have to make sure that it really is the best choice for you. Research as much as you can about debt consolidation to make sure that you are in a win-win situation.
Debt consolidation is basically to combine all the loans you have into one secure loan. This is made to make payments of loans easier. There's also a lot of benefits in debt consolidation because you can secure or have a fixed interests rate and sometimes even lower interest rate than your orther loans.
Debt consolidation offers lower interest rates because more often than not most of our loans have no collateral meaning unsecured loans. In debt consolidation, the lender often asks for a collateral, mostly your house, thus making them more secured and giving you lower interest rates.
When looking for debt consolidation, you have to be very patient because if you are, then you can find a company that can offer you the a very low interest rate consolidating your debts. It's a tough competition so there are a lot of debt consolidation services that offers competitive interest rates.
If you are considering debt consolidation as a way to fix your debt problems, you have to be very careful. Try to find the company that offers low transaction fee for your debt consolidation and low interest. You also have to total the money you will need to pay in your debt consolidation. If you will pay more than the total amount of loans you have now, then why consider it? Think very carefully. You may be able to solve your problem for now when you get into debt consolidation, but you have to make sure that it really is the best choice for you. Research as much as you can about debt consolidation to make sure that you are in a win-win situation.
Cash Advance Loan
Cash advance loan
Cash advance loan is one of the easiest loan you can ever get. That's why cash advance loan is the most popular loan to get nowadays. Cash advance loan is easy because companies who offer them don't require any credit report check. You will be qualified as long as you are employed with a minimum monthly income of about $1,000 per month which most of us are. You would also need a checking account in good standing that can accept direct deposits to get a cash advance loan.
One of the reasons as well why there are a lot of people who get a cash advance loan is because getting one is very easy. If you need money and you need it right away, then cash advance loan is the perfect loan for you. It takes about 24-48 hours to get your cash advance loan. So if you are short on cash or if you need to pay your bills to avoid bad credit, then you can consider getting a cash advance loan.
Cash advance loan do have a downside and this is being that it is a very expensive loan. Since lenders take a great risk of not checking your credit report and not knowing if you are a good payer, they will often charge you a lot for interests to compensate for the other cash advance loaners who did not pay them. Cash advance loans are also limited, sometimes it runs from $1,000-$1,500. Lenders don't give out too much money since they are taking a risk. Pay out lengths are kept to about 2-3 weeks as well. There is also a transaction fee of $30-$40 to get a cash advance loan.
A lot of us need money at some instance right away that's why it's good that there's a cash advance loan that we can count on in times of these, but always make sure that you checked out all the possible ways to get money before you even consider getting a cash advance loan. If you really don't need it that much, try to avoid getting one because you can save more if you don't. Just think about the transaction fee and the high interest you will need to pay. But if you really need a cash advance loan, just make sure you check out the background of your lender, get it from a lender that asks for lower transaction fee and think twice. Good luck!
Cash advance loan is one of the easiest loan you can ever get. That's why cash advance loan is the most popular loan to get nowadays. Cash advance loan is easy because companies who offer them don't require any credit report check. You will be qualified as long as you are employed with a minimum monthly income of about $1,000 per month which most of us are. You would also need a checking account in good standing that can accept direct deposits to get a cash advance loan.
One of the reasons as well why there are a lot of people who get a cash advance loan is because getting one is very easy. If you need money and you need it right away, then cash advance loan is the perfect loan for you. It takes about 24-48 hours to get your cash advance loan. So if you are short on cash or if you need to pay your bills to avoid bad credit, then you can consider getting a cash advance loan.
Cash advance loan do have a downside and this is being that it is a very expensive loan. Since lenders take a great risk of not checking your credit report and not knowing if you are a good payer, they will often charge you a lot for interests to compensate for the other cash advance loaners who did not pay them. Cash advance loans are also limited, sometimes it runs from $1,000-$1,500. Lenders don't give out too much money since they are taking a risk. Pay out lengths are kept to about 2-3 weeks as well. There is also a transaction fee of $30-$40 to get a cash advance loan.
A lot of us need money at some instance right away that's why it's good that there's a cash advance loan that we can count on in times of these, but always make sure that you checked out all the possible ways to get money before you even consider getting a cash advance loan. If you really don't need it that much, try to avoid getting one because you can save more if you don't. Just think about the transaction fee and the high interest you will need to pay. But if you really need a cash advance loan, just make sure you check out the background of your lender, get it from a lender that asks for lower transaction fee and think twice. Good luck!
Thursday, September 27, 2007
forex
Global Forex Trading
You’ve decided to become a trader on the Forex market but since you’ve never played on the currency market you aren’t sure where to start. Not to worry – we’ve got some great tips for global Forex trading,
Forex is the foreign exchange market where currencies are bought and sold. It began back in the 1970’s with the introduction of free exchange rates and floating currencies. Thanks to the internet more and more people are able to reap the profits of the currency market with global Forex trading.
This is a market that trades as over US$1 trillion a day. It trades more than any other market. There are some distinct differences in the currency market compared to the stock market. Money moves much faster so no single investor has the ability to actually affect market price and trades are able to open and close within seconds which is not possible on the stock market.
To start your global Forex trading you need to open a Forex account. Just fill in the application and the sign the margin agreement which let’s the broker intervene at any time. That makes sense since it’s the broker’s money that just makes sense.
You need to choose a trading strategy that works for you. Different strategies work for different traders to don’t try to makes something work, instead find the right trading strategy for you.
It’s important to understand that trends move prices so a smart investor will make trends their friend and even go so far as to examine historical trends.
The top five currency pairs are USD/Yen, Euro/Yen, Swiss franc/USD, Pound USD/ and the Euro/USD. Make sure you know and understand them.
Examine the charts at 1 hour, 4 hour, and daily. This will give you the daily trends and plenty of opportunity to trade. Sure you can trade every 15 minutes if you like but that’s not really practical.
Now that you’ve got all your global Forex trading tips you’re ready to see some profits.
understanding the forex trading market
If you’ve invested in the stock market you know what a rush it can be when you come out with profits. The currency markets are much different than the stock market but the rush is even bigger. You’ll want to understand the Forex trading market to help you ensure success.
Forex is short for the Foreign Currency Exchange Market which is also referred to as FX. It is by far the largest market on the planet turning over more than a trillion US dollars a day. That’s thirty times more than the entire volume of all the equity markets in the United States.
What makes the Forex trading market so unique is that it does not have an actual physical location, nor does it have a central exchange. An over the counter market services banks, investors, corporations, and individuals whether they are buying or selling. This is a great example of a true 24 hour market.
Each morning in Sydney the Forex trading market begins, moving around the planet as the business day opens in each of the financial centers – First it goes to Tokyo, then on to London, and then New York.
When dealing on the Forex trading market you can analyze the currency market using either the technical analysis approach or the fundamental analysis.
The technical analysis is used when one wishes to attempt to predict what the future movement is going to be on a specific currency based on past performance. It entails studying specific factors that can influence a currency. These factors cold be changes in a Government, a war, a crisis, or several specifics that influence supply and demand which is reflected in the market price.
Fundamental analysis is also referred to as current accounts. They measure the net of imports and exports in any one country and the records the subsequent impact on the currency flows.
When it comes to currency trading there is no doubt that Forex or FX is the largest market in the world. Just about every industry is somehow involved in currency trading – banks, multinational corporations, central banks, governments, financial institutes, retail traders, and a variety of institutions all in one way or another directly or indirectly play in the currency market.
Thanks to technology an individual can now set up a Forex trading account and begin to trade without any involvement with a bank or trading institute. There are several excellent online forex trading sites where you can get involved with the Forex trading market and begin trading on your own. The big question is are you ready for the rush when you sell high?
how to choose right the forex trading system for you
When it comes to trading systems that you can use to trade on the Forex market you have plenty of options but it’s very important to choose the right Forex trading system for you.
Some may find fundamental factors easier to take while others will do better with technical indicators. Everyone is different and which system isn’t important – what is important is matching individual to system. So how do you find the right system?
Well it starts with you understanding the methods of analysis that are used when you are trading on the Forex currency market. When you know what the tools are and how to use them you can analyze what is best for you.
Some of the most popular technical analysis tools include pivot points, Fibonacci retraces, chart patterns, candlestick patterns, trade balances, interest rates, and GDP which stands for gross domestic product.
You will need to determine the profitability of the Forex trading system you are considering choosing. Use a real time demo to determine how profitable a trading system is. This lets you begin to understand what the system’s capabilities are and it also let’s you become familiar with the trading platform.
Next you need to have a look at the expectancy which tells you what type of profits you expect to make over a period of time. You calculate expectancy using this simple formula:(Probability of winning × average win) – (Probability of losing × average loss) = the average profit per trade. If this number is a negative number you need to look at a different Forex trading system. Of course the higher the number the better the profits you can expect.
You should also examine the opportunity factor which is just how often you can expect to trade using the trading system. You multiply your expectancy figure with the opportunity factor and it tells you how much you can expect to profit during a specific time period. The more opportunity the more profit you can expect to put in your pocket.
Now that you know how to choose the right Forex trading system for you to reap the most profitability.
Norges Bank hike 25 bps to 5.00%
USDNOK continues to look more interesting looking forward into 2007. It could be the cross to look for as the yield differentials looks to be the most appealing with the cross heading towards 5.00
MAJOR HEADLINES – PREVIOUS SESSION
SW Trade Balance (Aug) out at 0.6B vs. 7.8B expected. Prior at 8.2B
SW PPI MoM/YoY (Aug) out at -0.4%/4.2% vs. 0.2%/4.9% expected. Prior figures 0.4%/5.5%.
SZ UBS Consumption Indicator (Aug) out at 1.932 vs. 2.258 prior.
SZ UBS Consumption Indicator (Aug) out at 1.932 vs. 2.258 prior.
PL Unemployment rate (Aug) out at 12.0% vs 12.0% expected. Prior 12.2%.
US Richmond FED Manufacturing Index (Sep) out at 14 vs. 5 expected. Prior 7.
US Consumer Confidence out at 99.8 vs. 104.3 expected. Prior at 105.6 .
US Existing Home Sales (Aug) out at 5.50M vs. 5.48M expected. Prior figure 5.75.
NZ Trade Balance (Aug) out at -945M vs -900M expected. Prior -813M.
GE Consumer Confidence Sep, out at 6.-8 vs 7.0 exp.
UK GDP Q2, out at 0.8% in line with exp. YoY out at 3.1% vs 3.0% exp.
SW Consumer Confidence Sep, out at 16.2 vs 19.0 exp.
THEMES TO WATCH – UPCOMING SESSION
With dollar reaching yet another low against the euro at 1.4162 and continuing to hover around it, the market attention for the day is firmly on the US Durable Goods Orders due to be released at 12:30 GMT. Against the background of revised prior figure of 6.0%, the market expectations for August are severely negative, with the median figure of 74 Bloomberg surveyed analysts pointing to -4.0%.
Should the figures truly disappoint and indicate slowing industrial activity in the US, speculation on further interest rate cuts by the Federal Reserve is certain to pick up more steam and put further pressure on the dollar, while taking NZD and AUD, which have both been buoyed by speculation of further cuts in the US, to new high highs against the dollar.
Should the figures truly disappoint and indicate slowing industrial activity in the US, speculation on further interest rate cuts by the Federal Reserve is certain to pick up more steam and put further pressure on the dollar, while taking NZD and AUD, which have both been buoyed by speculation of further cuts in the US, to new high highs against the dollar. Like US dollar, sterling also remains under pressure in the wake of BoE Governor King's sudden change of stance. Continuing demand for EURGBP from European corporates has added to the sterling pressure, taking the EURGBP above the 2006 high of 0.7019. In GBPUSD, yesterday's brief upswing could not be sustained, with a decisive turn-around at the failed break of 2.0220. The pair has also failed to be uplifted by better than expected UK GDP and Current Account data that was released at 8:30 GMT this morning, with the downward momentum still largely intact.
Risk Warnings:
Saxo Bank A/S shall not be responsible for any loss arising from any investment based on any recommendation, forecast or other information herein contained. The contents of this publication should not be construed as an express or implied promise, guarantee or implication by Saxo Bank that clients will profit from the strategies herein or that losses in connection therewith can or will be limited. Trades in accordance with the recommendations in an analysis, especially leveraged investments such as foreign exchange trading and investment in derivatives, can be very speculative and may result in losses as well as profits, in particular if the conditions mentioned in the analysis do not occur as anticipated.
You’ve decided to become a trader on the Forex market but since you’ve never played on the currency market you aren’t sure where to start. Not to worry – we’ve got some great tips for global Forex trading,
Forex is the foreign exchange market where currencies are bought and sold. It began back in the 1970’s with the introduction of free exchange rates and floating currencies. Thanks to the internet more and more people are able to reap the profits of the currency market with global Forex trading.
This is a market that trades as over US$1 trillion a day. It trades more than any other market. There are some distinct differences in the currency market compared to the stock market. Money moves much faster so no single investor has the ability to actually affect market price and trades are able to open and close within seconds which is not possible on the stock market.
To start your global Forex trading you need to open a Forex account. Just fill in the application and the sign the margin agreement which let’s the broker intervene at any time. That makes sense since it’s the broker’s money that just makes sense.
You need to choose a trading strategy that works for you. Different strategies work for different traders to don’t try to makes something work, instead find the right trading strategy for you.
It’s important to understand that trends move prices so a smart investor will make trends their friend and even go so far as to examine historical trends.
The top five currency pairs are USD/Yen, Euro/Yen, Swiss franc/USD, Pound USD/ and the Euro/USD. Make sure you know and understand them.
Examine the charts at 1 hour, 4 hour, and daily. This will give you the daily trends and plenty of opportunity to trade. Sure you can trade every 15 minutes if you like but that’s not really practical.
Now that you’ve got all your global Forex trading tips you’re ready to see some profits.
understanding the forex trading market
If you’ve invested in the stock market you know what a rush it can be when you come out with profits. The currency markets are much different than the stock market but the rush is even bigger. You’ll want to understand the Forex trading market to help you ensure success.
Forex is short for the Foreign Currency Exchange Market which is also referred to as FX. It is by far the largest market on the planet turning over more than a trillion US dollars a day. That’s thirty times more than the entire volume of all the equity markets in the United States.
What makes the Forex trading market so unique is that it does not have an actual physical location, nor does it have a central exchange. An over the counter market services banks, investors, corporations, and individuals whether they are buying or selling. This is a great example of a true 24 hour market.
Each morning in Sydney the Forex trading market begins, moving around the planet as the business day opens in each of the financial centers – First it goes to Tokyo, then on to London, and then New York.
When dealing on the Forex trading market you can analyze the currency market using either the technical analysis approach or the fundamental analysis.
The technical analysis is used when one wishes to attempt to predict what the future movement is going to be on a specific currency based on past performance. It entails studying specific factors that can influence a currency. These factors cold be changes in a Government, a war, a crisis, or several specifics that influence supply and demand which is reflected in the market price.
Fundamental analysis is also referred to as current accounts. They measure the net of imports and exports in any one country and the records the subsequent impact on the currency flows.
When it comes to currency trading there is no doubt that Forex or FX is the largest market in the world. Just about every industry is somehow involved in currency trading – banks, multinational corporations, central banks, governments, financial institutes, retail traders, and a variety of institutions all in one way or another directly or indirectly play in the currency market.
Thanks to technology an individual can now set up a Forex trading account and begin to trade without any involvement with a bank or trading institute. There are several excellent online forex trading sites where you can get involved with the Forex trading market and begin trading on your own. The big question is are you ready for the rush when you sell high?
how to choose right the forex trading system for you
When it comes to trading systems that you can use to trade on the Forex market you have plenty of options but it’s very important to choose the right Forex trading system for you.
Some may find fundamental factors easier to take while others will do better with technical indicators. Everyone is different and which system isn’t important – what is important is matching individual to system. So how do you find the right system?
Well it starts with you understanding the methods of analysis that are used when you are trading on the Forex currency market. When you know what the tools are and how to use them you can analyze what is best for you.
Some of the most popular technical analysis tools include pivot points, Fibonacci retraces, chart patterns, candlestick patterns, trade balances, interest rates, and GDP which stands for gross domestic product.
You will need to determine the profitability of the Forex trading system you are considering choosing. Use a real time demo to determine how profitable a trading system is. This lets you begin to understand what the system’s capabilities are and it also let’s you become familiar with the trading platform.
Next you need to have a look at the expectancy which tells you what type of profits you expect to make over a period of time. You calculate expectancy using this simple formula:(Probability of winning × average win) – (Probability of losing × average loss) = the average profit per trade. If this number is a negative number you need to look at a different Forex trading system. Of course the higher the number the better the profits you can expect.
You should also examine the opportunity factor which is just how often you can expect to trade using the trading system. You multiply your expectancy figure with the opportunity factor and it tells you how much you can expect to profit during a specific time period. The more opportunity the more profit you can expect to put in your pocket.
Now that you know how to choose the right Forex trading system for you to reap the most profitability.
Norges Bank hike 25 bps to 5.00%
USDNOK continues to look more interesting looking forward into 2007. It could be the cross to look for as the yield differentials looks to be the most appealing with the cross heading towards 5.00
MAJOR HEADLINES – PREVIOUS SESSION
SW Trade Balance (Aug) out at 0.6B vs. 7.8B expected. Prior at 8.2B
SW PPI MoM/YoY (Aug) out at -0.4%/4.2% vs. 0.2%/4.9% expected. Prior figures 0.4%/5.5%.
SZ UBS Consumption Indicator (Aug) out at 1.932 vs. 2.258 prior.
SZ UBS Consumption Indicator (Aug) out at 1.932 vs. 2.258 prior.
PL Unemployment rate (Aug) out at 12.0% vs 12.0% expected. Prior 12.2%.
US Richmond FED Manufacturing Index (Sep) out at 14 vs. 5 expected. Prior 7.
US Consumer Confidence out at 99.8 vs. 104.3 expected. Prior at 105.6 .
US Existing Home Sales (Aug) out at 5.50M vs. 5.48M expected. Prior figure 5.75.
NZ Trade Balance (Aug) out at -945M vs -900M expected. Prior -813M.
GE Consumer Confidence Sep, out at 6.-8 vs 7.0 exp.
UK GDP Q2, out at 0.8% in line with exp. YoY out at 3.1% vs 3.0% exp.
SW Consumer Confidence Sep, out at 16.2 vs 19.0 exp.
THEMES TO WATCH – UPCOMING SESSION
With dollar reaching yet another low against the euro at 1.4162 and continuing to hover around it, the market attention for the day is firmly on the US Durable Goods Orders due to be released at 12:30 GMT. Against the background of revised prior figure of 6.0%, the market expectations for August are severely negative, with the median figure of 74 Bloomberg surveyed analysts pointing to -4.0%.
Should the figures truly disappoint and indicate slowing industrial activity in the US, speculation on further interest rate cuts by the Federal Reserve is certain to pick up more steam and put further pressure on the dollar, while taking NZD and AUD, which have both been buoyed by speculation of further cuts in the US, to new high highs against the dollar.
Should the figures truly disappoint and indicate slowing industrial activity in the US, speculation on further interest rate cuts by the Federal Reserve is certain to pick up more steam and put further pressure on the dollar, while taking NZD and AUD, which have both been buoyed by speculation of further cuts in the US, to new high highs against the dollar. Like US dollar, sterling also remains under pressure in the wake of BoE Governor King's sudden change of stance. Continuing demand for EURGBP from European corporates has added to the sterling pressure, taking the EURGBP above the 2006 high of 0.7019. In GBPUSD, yesterday's brief upswing could not be sustained, with a decisive turn-around at the failed break of 2.0220. The pair has also failed to be uplifted by better than expected UK GDP and Current Account data that was released at 8:30 GMT this morning, with the downward momentum still largely intact.
Risk Warnings:
Saxo Bank A/S shall not be responsible for any loss arising from any investment based on any recommendation, forecast or other information herein contained. The contents of this publication should not be construed as an express or implied promise, guarantee or implication by Saxo Bank that clients will profit from the strategies herein or that losses in connection therewith can or will be limited. Trades in accordance with the recommendations in an analysis, especially leveraged investments such as foreign exchange trading and investment in derivatives, can be very speculative and may result in losses as well as profits, in particular if the conditions mentioned in the analysis do not occur as anticipated.
medifast diet
Thinking of Getting
Special Promo Code Inside!
Buying the MediFast Weight Loss Program is the first step, but following it is not that easy. There are many important guidelines one has to follow, so please read through this article thoroughly so you WILL experience weight loss.
Remember, it is definitely not rare to hear someone losing up to 20 lbs a month with this program - it happens a lot! There are many Medifast success stories.
The Guidelines:1) Yes you indeed can have 3 stalks of celery, and dip it in as much salt/pepper as you wish. You may have up to 2 tablespoons of mustard or barbecue sauce a day.
2) You may have just 1 package of multi-grain crackers a day. Limit your broths to 2 cups a day as well.
3) Many people mistakenly replace meals with Medifast soups. Unfortunately this is a no-no. The soups are good extras to make us full, but they do not replace full meals at all. Do not replace meals with soups! Just spread them out throughout the day, and treat them as extra items to consume!
Speaking of the soups, they are very healthy, as they contain a lot of potassium. I love them.. and they are perhaps my favorite food in the entire Medifast diet program. It is arguably better than drinking water if you feel tired or have cramps.
4) Don't drink any alcohol. This is a toughie, and I can symphatize with those who have trouble abstaining from it. Your social life will probably suffer, but hey it's worth it, right? Think about the end goal: You WILL lose weight, lots of weight. Just stick to it, you can do it! You can! We can have no alcohol at all. Alcohol is like carbohydrates to the body and won't work with the Medifast plan, so were all dry till we're finished the plan.
5) Remember to drink plenty of liquids - at least 64 oz of water is recommended. You should drink lots of water even if you are not going on a diet anyway. Water cleanses the body, and helps the circulation of nutrients. In addition to your water, you may have non caloric drinks, too. We recommend that you limit your consumption of coffee and caffeinated drinks to three per day. Some people experience wildness ? shakiness or the jitters from caffeine.
The official corporate website ( medifast.com ) also states that we can have coffee and tea with milk and non-caloric sweetener.
6) You may consume small salads, but remember to use some low-calorie salad dressing. I prefer lemon juice.
7) You can consume any kind of calorie free beverage that we want, in any quantity that we want. Diet soda is really really helping me with the plan. I drink Diet Pepsi, Diet Orange Sunkist, Diet A&W Root Beer, and Diet A&W Cream soda. It really helps to have some variety like that.
Several helpful people have informed me of a product called Davinci's sugar free syrups. Evidently these are calorie free syrups sweetened with Splenda that are used to flavor coffees. They come in 44 flavors and can be added to coffee, tea, iced tea or MEDIFAST SHAKES!!!! Because they are calorie free and carb free, I have been assured that we can use them on the plan.
I have ordered some. I ordered Chocolate, Orange, and Root Beer. I still am having trouble with the taste of the shakes. I drink them but really don't look forward to the shakes. I'm hoping the flavored syrups will help. Several people on another forum have highly recommended them. I'll let everyone know what I think after I receive them.
What does the MediFast Diet Plan look like?It depends on what kind of program you choose, but my basic Medi Fast Diet plan looks like the following:
Morning: I consume 1 ShakeMid Morning: I consume 1 Medifast bar1 PM: I drink down another shakeAfternoon: BouillonLate Afternoon: ShakeEarly Evening: Bouillon and crackersLater evening: Shake
If you have any questions about the Medifast diet, you can possibly call the Medifast doctors in the company.
Fasting to Lose Weight?
Question:
I am finally starting my 10 day water fast today. I've heard that really overweight people can lose alot of weight on a fast, but how much weight do you lose if you're around 135 pounds? Has you tried a water fast? How much wieght did you lose?
Answer:
I think water fasting is far too intense for the long term, which is what it takes for significant weight loss. I just did 48 days on the Master Cleanse, and am now following with ten days of juices. I have gone from size 18 to size 10, and feel fantastic! My main focus is intestinal cleansing, as I believe it is for most anyone interested in lasting weight loss.
Any kind of fasting- or dieting, clearly depends on a long term plan of diet and exercise to follow for lasting weight loss. I started my fast with 30 days of fruits and vegetables, and will break the same way. My focus will remain on fresh fruits and vegetables, gradually adding fish, chicken breast, whole grains and beans... a little yogurt...
Yes! Fasting can be an incredible, life changing experience not only for the weight loss, but for the internal cleansing and mind and soul changing experience regarding food--how we eat, when, where, with whom... so much to learn! Fasting is an incredible teacher.
I agree that the cleanse along with the fast is so effective. I try not to think about pounds off as much as inches lost, and for every 20 years of life, you could have 3-5 pounds of debris built up in your intestinal walls. So just by colon cleansing along with your fast you could lose lots of pounds and inches right at that waist and abdomen line!
I tend to lose about a pound a day when fasting (which I do by the Lemonade Diet , not just water, still just 300 calories a day or so), and I take WOW by Nutrafina instead of the psyllium and bentonite stuff. I never really eliminated as I was supposed to, and it was pretty harsh on my system. WOW doesn't scrape off like the psyllium, it works very deep to loosen the really old stuff. After my fast, when I started eating again, all the black old stuff was coming out for 2 or 3 days. Wow!
Then when the fast is over, I gain back 2 or 3 pounds and then maintain as long as I'm eating right.
If you're going to all the trouble and effort to fast, you might as well get as much benefit as possible!
Workout Guide
Many people just blindly go to the gym, and do random exercises. They may even spend more than a hour a aday in the gym, working out. Well, if you want to do that to lose weight, feel free to do so. But unfortunately it will not result in a lot of weight loss.
Why does working out fail in losing weight?
Because when you work out, you are losing a lot of energy, and as a result losing a lot of sugar. Not a lot of fat. This is why you are not losing any weight, even though you are going to the gym 4-5 times a week. At first, you may feel like it's working, but as time goes on, you realize that working out isn't helping you lose weight at all. If anything, you might be gaining weight because you feel like eating more and more.
To summarize, here are the main points:
- When you exercise, you exert a lot of energy, which uses up the glucose in your body. After working out, you will feel the need to eat more to satisfy your appetite.
- Not a lot of fat is burned when you work out. The glycogen stored in your body become emptier faster, but less fat is burned.
- You will however, gain some muscles as they become stronger and muscular. As a result, you may gain some muscle weight. Since not much body fat is lost, you willwant to give up.
So, you might have lost a few pounds starving yourself, and going to the gym every single day. But in the long run, your body will win the battle, by naturally stimulating your body to eat more, and become hungry.
No matter how strong your will is, you can't win this battle. Your body believes that there is no shortage of food available. As a result, your body will desperately try to retain any energy and fat that is stored in your body. This is basic science and physiology, and the way God intended our body to work. There is no living in the world that intentionally starves itself to lose weight (only we silly humans do such a thing). So, ironically the harder you try to lose weight, the less successful you will be in the long-run.
So why should I even work out?
If I can't lose much weight, why should I even work out? Well, if you don't have the motivation or urge to go to the gym every single day, don't do it. Noone has the discipline to force themselves to do something they dislike over and over - it will drive any human crazy.
So, only work out if it you really want to, if it is align with your goals of being a healthier person. Do it if you are passionate about doing so, and don't need an external influence to compell you to work out. If you feel like going to the gym, go to the gym. Do go because you will feel guilty, or that you feel it is necessary to lose weight.
So, so good reasons to reason out is to be healthier, to live longer, and to shape your body. If you want to strengthen your legs you might want to do some squats or crunches. You have to have a specific goal in mind, and you have to want to work out.
Some basic things to keep in mind:
1) When you exercise specific muscles, those muscles will gain in strength and size. This makes sense, if you just do leg exercises, don't expect your arms or biceps to grow.
2) The heavier the weight you use, the more efficiently your muscles will grow. Using 5 lb bars will tone your muscle, but they will do nothing to increase the size of those muscles.
3) You know you are working out efficiently when your muscles become sore at the end. If they aren't sore, you're simply wasting your time.
4) Try to exercise only those muscles that want to grow in size. The whole point of body shaping is to shape certain parts of your body, keeping others the same. Use light weights, and do specific exercises that are targeted to a specific part of your body.
5) Most people prefer smaller, tighter butts. If this is you, then do only those exercises that target specific muscles in your butt, such as squats or deadlifts.
6) Always have a plan before going to the gym. Know exactly which exercises you want to do, and how many sets. Get a trainer if you're not sure what you should be doing.
But don't you burn calories when you exercises?
You may burn calories, that is true, but in the end, you won't be using much body fat.
So you are just wasting your time by forcing yourself to do strenuous exercise which isn't even helping you lose weight! Something as simple as a 2 hour walk can be more effective than 30 minutes of a vigorous work out. So, only do it if you really enjoy it! Don't do it to lose weight because it won't help you a lot.
To lose weight, here is what you need to do:
1) Go outside and take long walks! You need to exercise connective tissue, and taking long walks accomplish just this. Walking is an incredibly efficient exercise and requires using both your arms and legs.
2) Try not to sit too much in your desk. Try and at least walk 2-3 hours a day. Instead of taking a taxi, why not walk a few extra blocks? Sitting 8-10 hours a day in a desk in front of a computer is the absolutely worst thing you can do for your body if you're a girl. You will look disgusting.
Special Promo Code Inside!
Buying the MediFast Weight Loss Program is the first step, but following it is not that easy. There are many important guidelines one has to follow, so please read through this article thoroughly so you WILL experience weight loss.
Remember, it is definitely not rare to hear someone losing up to 20 lbs a month with this program - it happens a lot! There are many Medifast success stories.
The Guidelines:1) Yes you indeed can have 3 stalks of celery, and dip it in as much salt/pepper as you wish. You may have up to 2 tablespoons of mustard or barbecue sauce a day.
2) You may have just 1 package of multi-grain crackers a day. Limit your broths to 2 cups a day as well.
3) Many people mistakenly replace meals with Medifast soups. Unfortunately this is a no-no. The soups are good extras to make us full, but they do not replace full meals at all. Do not replace meals with soups! Just spread them out throughout the day, and treat them as extra items to consume!
Speaking of the soups, they are very healthy, as they contain a lot of potassium. I love them.. and they are perhaps my favorite food in the entire Medifast diet program. It is arguably better than drinking water if you feel tired or have cramps.
4) Don't drink any alcohol. This is a toughie, and I can symphatize with those who have trouble abstaining from it. Your social life will probably suffer, but hey it's worth it, right? Think about the end goal: You WILL lose weight, lots of weight. Just stick to it, you can do it! You can! We can have no alcohol at all. Alcohol is like carbohydrates to the body and won't work with the Medifast plan, so were all dry till we're finished the plan.
5) Remember to drink plenty of liquids - at least 64 oz of water is recommended. You should drink lots of water even if you are not going on a diet anyway. Water cleanses the body, and helps the circulation of nutrients. In addition to your water, you may have non caloric drinks, too. We recommend that you limit your consumption of coffee and caffeinated drinks to three per day. Some people experience wildness ? shakiness or the jitters from caffeine.
The official corporate website ( medifast.com ) also states that we can have coffee and tea with milk and non-caloric sweetener.
6) You may consume small salads, but remember to use some low-calorie salad dressing. I prefer lemon juice.
7) You can consume any kind of calorie free beverage that we want, in any quantity that we want. Diet soda is really really helping me with the plan. I drink Diet Pepsi, Diet Orange Sunkist, Diet A&W Root Beer, and Diet A&W Cream soda. It really helps to have some variety like that.
Several helpful people have informed me of a product called Davinci's sugar free syrups. Evidently these are calorie free syrups sweetened with Splenda that are used to flavor coffees. They come in 44 flavors and can be added to coffee, tea, iced tea or MEDIFAST SHAKES!!!! Because they are calorie free and carb free, I have been assured that we can use them on the plan.
I have ordered some. I ordered Chocolate, Orange, and Root Beer. I still am having trouble with the taste of the shakes. I drink them but really don't look forward to the shakes. I'm hoping the flavored syrups will help. Several people on another forum have highly recommended them. I'll let everyone know what I think after I receive them.
What does the MediFast Diet Plan look like?It depends on what kind of program you choose, but my basic Medi Fast Diet plan looks like the following:
Morning: I consume 1 ShakeMid Morning: I consume 1 Medifast bar1 PM: I drink down another shakeAfternoon: BouillonLate Afternoon: ShakeEarly Evening: Bouillon and crackersLater evening: Shake
If you have any questions about the Medifast diet, you can possibly call the Medifast doctors in the company.
Fasting to Lose Weight?
Question:
I am finally starting my 10 day water fast today. I've heard that really overweight people can lose alot of weight on a fast, but how much weight do you lose if you're around 135 pounds? Has you tried a water fast? How much wieght did you lose?
Answer:
I think water fasting is far too intense for the long term, which is what it takes for significant weight loss. I just did 48 days on the Master Cleanse, and am now following with ten days of juices. I have gone from size 18 to size 10, and feel fantastic! My main focus is intestinal cleansing, as I believe it is for most anyone interested in lasting weight loss.
Any kind of fasting- or dieting, clearly depends on a long term plan of diet and exercise to follow for lasting weight loss. I started my fast with 30 days of fruits and vegetables, and will break the same way. My focus will remain on fresh fruits and vegetables, gradually adding fish, chicken breast, whole grains and beans... a little yogurt...
Yes! Fasting can be an incredible, life changing experience not only for the weight loss, but for the internal cleansing and mind and soul changing experience regarding food--how we eat, when, where, with whom... so much to learn! Fasting is an incredible teacher.
I agree that the cleanse along with the fast is so effective. I try not to think about pounds off as much as inches lost, and for every 20 years of life, you could have 3-5 pounds of debris built up in your intestinal walls. So just by colon cleansing along with your fast you could lose lots of pounds and inches right at that waist and abdomen line!
I tend to lose about a pound a day when fasting (which I do by the Lemonade Diet , not just water, still just 300 calories a day or so), and I take WOW by Nutrafina instead of the psyllium and bentonite stuff. I never really eliminated as I was supposed to, and it was pretty harsh on my system. WOW doesn't scrape off like the psyllium, it works very deep to loosen the really old stuff. After my fast, when I started eating again, all the black old stuff was coming out for 2 or 3 days. Wow!
Then when the fast is over, I gain back 2 or 3 pounds and then maintain as long as I'm eating right.
If you're going to all the trouble and effort to fast, you might as well get as much benefit as possible!
Workout Guide
Many people just blindly go to the gym, and do random exercises. They may even spend more than a hour a aday in the gym, working out. Well, if you want to do that to lose weight, feel free to do so. But unfortunately it will not result in a lot of weight loss.
Why does working out fail in losing weight?
Because when you work out, you are losing a lot of energy, and as a result losing a lot of sugar. Not a lot of fat. This is why you are not losing any weight, even though you are going to the gym 4-5 times a week. At first, you may feel like it's working, but as time goes on, you realize that working out isn't helping you lose weight at all. If anything, you might be gaining weight because you feel like eating more and more.
To summarize, here are the main points:
- When you exercise, you exert a lot of energy, which uses up the glucose in your body. After working out, you will feel the need to eat more to satisfy your appetite.
- Not a lot of fat is burned when you work out. The glycogen stored in your body become emptier faster, but less fat is burned.
- You will however, gain some muscles as they become stronger and muscular. As a result, you may gain some muscle weight. Since not much body fat is lost, you willwant to give up.
So, you might have lost a few pounds starving yourself, and going to the gym every single day. But in the long run, your body will win the battle, by naturally stimulating your body to eat more, and become hungry.
No matter how strong your will is, you can't win this battle. Your body believes that there is no shortage of food available. As a result, your body will desperately try to retain any energy and fat that is stored in your body. This is basic science and physiology, and the way God intended our body to work. There is no living in the world that intentionally starves itself to lose weight (only we silly humans do such a thing). So, ironically the harder you try to lose weight, the less successful you will be in the long-run.
So why should I even work out?
If I can't lose much weight, why should I even work out? Well, if you don't have the motivation or urge to go to the gym every single day, don't do it. Noone has the discipline to force themselves to do something they dislike over and over - it will drive any human crazy.
So, only work out if it you really want to, if it is align with your goals of being a healthier person. Do it if you are passionate about doing so, and don't need an external influence to compell you to work out. If you feel like going to the gym, go to the gym. Do go because you will feel guilty, or that you feel it is necessary to lose weight.
So, so good reasons to reason out is to be healthier, to live longer, and to shape your body. If you want to strengthen your legs you might want to do some squats or crunches. You have to have a specific goal in mind, and you have to want to work out.
Some basic things to keep in mind:
1) When you exercise specific muscles, those muscles will gain in strength and size. This makes sense, if you just do leg exercises, don't expect your arms or biceps to grow.
2) The heavier the weight you use, the more efficiently your muscles will grow. Using 5 lb bars will tone your muscle, but they will do nothing to increase the size of those muscles.
3) You know you are working out efficiently when your muscles become sore at the end. If they aren't sore, you're simply wasting your time.
4) Try to exercise only those muscles that want to grow in size. The whole point of body shaping is to shape certain parts of your body, keeping others the same. Use light weights, and do specific exercises that are targeted to a specific part of your body.
5) Most people prefer smaller, tighter butts. If this is you, then do only those exercises that target specific muscles in your butt, such as squats or deadlifts.
6) Always have a plan before going to the gym. Know exactly which exercises you want to do, and how many sets. Get a trainer if you're not sure what you should be doing.
But don't you burn calories when you exercises?
You may burn calories, that is true, but in the end, you won't be using much body fat.
So you are just wasting your time by forcing yourself to do strenuous exercise which isn't even helping you lose weight! Something as simple as a 2 hour walk can be more effective than 30 minutes of a vigorous work out. So, only do it if you really enjoy it! Don't do it to lose weight because it won't help you a lot.
To lose weight, here is what you need to do:
1) Go outside and take long walks! You need to exercise connective tissue, and taking long walks accomplish just this. Walking is an incredibly efficient exercise and requires using both your arms and legs.
2) Try not to sit too much in your desk. Try and at least walk 2-3 hours a day. Instead of taking a taxi, why not walk a few extra blocks? Sitting 8-10 hours a day in a desk in front of a computer is the absolutely worst thing you can do for your body if you're a girl. You will look disgusting.
Wednesday, September 26, 2007
student loan consolidation
Should You Consolidate Your Student Loans?
Spending time in college means going to classes, writing papers,studying for exams, and enjoying the college experience of fun,food, and frolic. Oh, if it only were that easy! Chances are youare racking up some serious debt in the form of students loans.If you have already graduated, then you are probably in theprocess of paying your loans back. Are you happy yet? Maybe not,especially if your student loans are more of a burden than youoriginally had expected. Read on, please, for some ways you canease the burden and live a life that goes beyond paying off debt.
High tuition, that's how. Likely your first job outof college isn't paying you a mint just yet either. Car paymentsand credit cards bills coupled with everyday living expenses canfind you digging a whole that only gets deeper. What should youdo? Perhaps you should consider looking into a governmentstudent loan consolidation.
So, just what is a government student loan consolidation? Forstarters, it is a type of a loan that allows you to takemultiple student loans, pay them off, and make monthly paymentsto just one lender. For example, if you have three loans due tothree different lenders at three different times of the month,you can keep better track of all of it if you had just onesimple payment to make every month to one lender.
In addition, a government student loan consolidation may loweryour interest rates, permit you to postpone your repaymentschedule, and allow for you to take out some additional extramoney to pay back other creditors including credit cardproviders.
Some things to keep in mind before you select a student loanconsolidation include:
Amount Borrowed. Will the loan consolidation pay off all ofyour student loans, or just a percentage of what you owe? Yourconsolidator may want to see pay stubs and other proofs ofincome before approving your loan.
Annual Percentage Rate. Will the loan rate be fixed orwill it be adjustable? You may want to lock in your rate to makesure that your monthly payments remain constant.
Your Loan Term. Can you deal with paying back a yourgovernment student loan consolidation for as long as twentyyears? Take into consideration you may want to purchase a home,get married, start a family, buy a new car, etc. It can bedifficult to anticipate the future, but will the loan saddle youwith debt longer than necessary?
A student loan consolidation is definitely not for everyone.Make certain that you understand the terms of your agreementwith the loan consolidator and sign nothing until you can havethe contract reviewed independently. It is your life; weigh allof your options carefully.
About the author:Copyright 2005 -- Matthew Keegan is The ArticleWriter who writes on a variety of topics including:advocacy, automobiles, aviation, business, Christian themes,family, news, product reviews, travel, writing, and more.Samples from his portfolio are available right online.
We strive to provide only quality articles, so if there is a specific topic related to loan consolidation that you would like us to cover, please contact us at any time.
loan consolidations
Reciving And Paying A Us Dept Of Education Student Loan
Since education is one of the things this country would like to promote, a US Department of Education student loan is available to students attending colleges in the United States. Student loan servicing is available for pretty much any American college student, and the rates and terms are much better than most other financial institutions. There is more than $78 billion spent each year to make sure potential scholars can get a US Dept of Education student loan.
Even though student loan servicing from the federal government is easy to apply for and carries very good rates and terms, the payments still become too high for many graduates to deal with. A US Department of Education student loan is still a loan, after all. Luckily, students do not have to begin the repayment of a US Dept of education student loan until six months after graduation.
Spending time in college means going to classes, writing papers,studying for exams, and enjoying the college experience of fun,food, and frolic. Oh, if it only were that easy! Chances are youare racking up some serious debt in the form of students loans.If you have already graduated, then you are probably in theprocess of paying your loans back. Are you happy yet? Maybe not,especially if your student loans are more of a burden than youoriginally had expected. Read on, please, for some ways you canease the burden and live a life that goes beyond paying off debt.
High tuition, that's how. Likely your first job outof college isn't paying you a mint just yet either. Car paymentsand credit cards bills coupled with everyday living expenses canfind you digging a whole that only gets deeper. What should youdo? Perhaps you should consider looking into a governmentstudent loan consolidation.
So, just what is a government student loan consolidation? Forstarters, it is a type of a loan that allows you to takemultiple student loans, pay them off, and make monthly paymentsto just one lender. For example, if you have three loans due tothree different lenders at three different times of the month,you can keep better track of all of it if you had just onesimple payment to make every month to one lender.
In addition, a government student loan consolidation may loweryour interest rates, permit you to postpone your repaymentschedule, and allow for you to take out some additional extramoney to pay back other creditors including credit cardproviders.
Some things to keep in mind before you select a student loanconsolidation include:
Amount Borrowed. Will the loan consolidation pay off all ofyour student loans, or just a percentage of what you owe? Yourconsolidator may want to see pay stubs and other proofs ofincome before approving your loan.
Annual Percentage Rate. Will the loan rate be fixed orwill it be adjustable? You may want to lock in your rate to makesure that your monthly payments remain constant.
Your Loan Term. Can you deal with paying back a yourgovernment student loan consolidation for as long as twentyyears? Take into consideration you may want to purchase a home,get married, start a family, buy a new car, etc. It can bedifficult to anticipate the future, but will the loan saddle youwith debt longer than necessary?
A student loan consolidation is definitely not for everyone.Make certain that you understand the terms of your agreementwith the loan consolidator and sign nothing until you can havethe contract reviewed independently. It is your life; weigh allof your options carefully.
About the author:Copyright 2005 -- Matthew Keegan is The ArticleWriter who writes on a variety of topics including:advocacy, automobiles, aviation, business, Christian themes,family, news, product reviews, travel, writing, and more.Samples from his portfolio are available right online.
We strive to provide only quality articles, so if there is a specific topic related to loan consolidation that you would like us to cover, please contact us at any time.
loan consolidations
Reciving And Paying A Us Dept Of Education Student Loan
Since education is one of the things this country would like to promote, a US Department of Education student loan is available to students attending colleges in the United States. Student loan servicing is available for pretty much any American college student, and the rates and terms are much better than most other financial institutions. There is more than $78 billion spent each year to make sure potential scholars can get a US Dept of Education student loan.
Even though student loan servicing from the federal government is easy to apply for and carries very good rates and terms, the payments still become too high for many graduates to deal with. A US Department of Education student loan is still a loan, after all. Luckily, students do not have to begin the repayment of a US Dept of education student loan until six months after graduation.
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