ABOUT SECURED LOANS

Banks like making secured loans because there is less risk to them. The item you use to guarantee the loan is called collateral. As a rule, lenders expect the collateral’s value to exceed the amount of the loan for the term of the loan. This is why auto secured loans require you carry full coverage insurance on the vehicle for the life of your note. They want to ensure they receive their money even if something happens to the car.

While it is not always the case, secured loan rates are typically lower than unsecured loan rates. Again, this is a function of the decreased risk to the lender being passed along to you in the form of savings.

Kinds of secured loans

Mortgages and auto loans are the two most common kinds of secured loans, but any loan offering collateral in exchange for the funds is a secured loan. Some lenders accept stock certificates, retirement accounts and even insurance policies as collateral as long as your plan or policy does not specifically prohibit it. You can also secure a personal loan for business purposes with business equipment because it has a tangible value attached to it.

Jewelry, artwork and rare coins are less common collateral options, but options nonetheless.

What happens in default

As with any lending obligation, there are consequences for failure to repay secured loans. In addition to the default showing up on your credit report and adversely affecting your credit score, foreclosure or repossession can occur. If, for example, you used your truck to secure your loan and stop making payments, the truck is legally property of the lender. You receive notice to surrender the vehicle, but if you don’t comply within a specified amount of time, someone will come to take the vehicle from you. In the case of home foreclosure, you must vacate the premises within a certain period of time or your things are placed on the lawn and locks are changed.Only you can determine if secured loans are the best option for your financial needs when choice exists.

Launching the Herbalife Decade in Magical Orlando

The 2010 Leadership Summit in beautiful Orlando, Fla., was full of glitz and glamour as we celebrated yet another amazing year of overwhelming success. Once again we surpassed our company’s record for biggest bonus payout ever! This year’s total payout was $36,500,000. Our #1 Distributor, Enrique Varela & Graciela Mier took home the biggest payout at the Mark Hughes Bonus Award ceremony on Saturday, March 20. Congratulations to all our Bonus winners from the entire Herbalife family.

The Herbalife Family Foundation (HFF) presented its prestigious Humanitarian Award to Leslie Stanford for exemplifying the foundation’s mission–an exceptional involvement and dedication that has made a considerable impact and helped to change lives around the world. Distributors got to bask in the magic of the moment at the Ebony & Ivory Gala benefiting the Herbalife Family Foundation.

Some of our achievements over the past 30 years can also be attributed to the inspiration of the late Jim Rohn, America’s foremost business philosopher. It was with much pride that Herbalife honored Jim with a heartfelt celebration tribute attended by Distributors, staff and friends. Throughout the Leadership Summit, each day of the event focused on one of our three decades. We laid the foundation for an even brighter future. Our Chairman and CEO Michael O. Johnson shared his vision to take the company to the next level in 2010 and to launch The Herbalife Decade by building on our company’s incredible momentum.

This year’s “Dream Team” speakers was full of inspiration. Our top achievers shared their winning business practices, and the power ignited by their words will undoubtedly fuel us to even greater success in this new era.

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SpoofCard Affiliate Program

SpoofCard, a provider of enhanced calling card services, has announced a partnership with Commission Junction, one of the largest global pay-for-performance marketing networks, to promote its new affiliate program. The new program offers webmasters trusted-third party tracking, real-time reporting and monthly commission checks. SpoofCard launched its affiliate program officially on August 27.

With SpoofCard’s affiliate program, webmasters can gain a share of the company’s revenues by working as its partner in promoting the company’s services. All they need to do is link their portal with the website of SpoofCard. The new affiliate program of SpoofCard, launched at Commission Junction, provides webmasters with a wide array of text, flash and static banner ads. In addition to this, affiliates are offered support by a dedicated affiliate management team that is prepared to work in tandem with the webmasters.

The affiliate program of SpoofCard is also unique because it is among the very few programs in the industry that offer commissions for recurring purchases. With this feature, affiliates can earn passive income as well when a new customer is acquired by the company.

SpoofCard's unique calling card provides users with the ability to change the number displayed on the Caller ID. Customers can record phone conversations as well as modify one’s voice to sound like the opposite sex. SpoofCard is available for individuals as well as businesses and business owners, who wish to have a specific number displayed on the Caller ID when they are calling from a different phone e.g. a private cell phone.

Affiliates can join the program for free. New affiliates will receive a free SpoofCard as well if they sign-up and actively promote the SpoofCard program.

What are some examples of SpoofCard uses?

Many! For example, business professionals such as doctors can return calls using their personal telephones without disclosing phone numbers they prefer to keep private. Also, the free Call Recording Feature enables many businesses to have a record of a verbal order or transaction that can be referred back to later.

Can calls be traced back to me?

Your financial, personal and call records are all confidential and are untraceable. However, if there is illegal activity and we are served with a subpoena, we will cooperate with the court.

Can any number be used to show up on the Caller ID?

Any 10 digit number can be used. Not only will the number show up but also the Name registered for that number would automatically appear.

What number will show up on the phone bill of the person whom I call?

Whatever number you enter as the spoof number will show up on the bill of the person you called. They won't ever see your actual phone number!

How safe is my data?

All information which passes between our servers and your computer is encrypted using a technology called Secure Sockets Layer (SSL), the same technology that banks use to protect data.

How private is my data?

SpoofCard is built around the principle that only you can access your data. We undertake never to reveal any data to anyone, unless required to do so by law.

Can I call Internationally?

At this time, SpoofCard does not offer international calling. This option will be available in the near future.

Can I dial the access number from any phone?

SpoofCard does not support dialing the access number from a Payphone or Skype. You may dial the access number from any other phone.

Euro Train Tickets

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Euro trains feature two tractor cars plus motors on the first bogie of the passenger cars immediately adjacent to the tractor cars, for a total of 12 powered axles. Total rated power is 12,200kW (16000bhp). In the event of an emergency, a single tractor car is sufficient to pull the trainset out of the Channel Tunnel, where the speed limit is 160km/h (100mph) for passenger and 100km/h (60mph) for freight and car/truck ferry trains. Along the route, the train has to adapt to four different signaling systems, multiple pantograph settings and two electrification systems. The 750VDC third rail pickups are no longer needed now that CTRL2 has been completed and trains terminate at St. Pancras International, shaving more than 20 minutes of the nominal line haul time and substantially improving punctuality.

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To follow that we finally got some cheap flights to Brussles. We are there for 2 days plus one day in Paris via the train. I promised Jayne and Jordan that we would see Europe while we are here, and after almost a year I'm starting to make good on that promise.

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How to play guitar book

How to play guitar book
You could start to learn guitar from a book. This is not ideal, but books are abundant and easy to get a hold of. In fact, you would not even have to pay anything. That is what they have libraries for, and this is a good thing.

Starting at your local library would be an ideal place to start. You can pick up several books for free for a short period of time. This would give you the time to see what the books can offer you. If you think they can do a good job for you then you can go out and try to find more books.

Most of the books will have the basics, and what you should most certainly be looking for is for the book to start teaching you to read music. As I have talked about this before I will not go on and on about it, but learning to read music is something you should do. It is a foundation that can never be taken away. This is the basis of music and you can learn more instruments.

There are many musical book publishers and all seem to do a good job. Most have detailed illustrations and will teach you the theory. Theory is great as I have mentioned, but the book will fall short in a couple of areas.

A book can not tell you certain things. A book simply is not a human or even a video. However, you can read the lessons in the book as many times as you need to really learn what is being taught. And this would be something I would strongly suggest. Learning anything from a book usually requires a couple of reads. So do this at your digression.

Most of the books that I have seen also have a good number of photos showing you where the notes are and how to play them. So, you can get started from a book, but eventually you will need some other form of instruction. You simply can not learn the more advanced things from a book. I mean, how could you explain or teach a blues solo from a book.

That is just one good example of the limitations of a book. These days the DVD’s and online courses are the way to go. The books are the predecessors of these newer instructional materials.