Drug testing

Secrets Your Banker Wont Tell You - Which Loan is Best for You?

Recently I was driving in my Car and I heard an Ad for a Mortgage lender who claimed they would help you find the Best Loan out of over 400 Different Loan Types. 400 Different Loan Types now that has to be confusing. How do you find the Best loan for you. Clearly the Best loan for you is not the Not the best loan for your bank. Learn the Secrets your Banker doesn't want you to Know.

Some Questions to ask when Choosing a Loan.

  • How Long will you keep the Loan?

  • How Long will you keep the House?

  • How much profit is the Bank Making on this Loan?

The Average Homeowner will get a New Loan every seven years. If you are going to move or refinance in the Next 7 Years is a 30 Year Fixed rate loan Really Best for You. A 30 Year Fixed rate loan is certainly Best for the banks. A Typical in Force 30 Year Fixed rate Loan in force today has an Interest Rate of between 5 and 6%. The Average cost of Funds for a Bank is about 1% (How much interest do they pay you own your checking account,Your Saving account). This means on a 30 Year Fixed rate Mortgage the bank Earns about 4% to 5%. If you keep your loan less then 7 Years why get a 30 Year Fixed rate Loan.

Some Lenders are offering loans with Payments Fixed for 5 Years based on a 1.95% Interest rate. If you look at a standard 200,000 Loan at 5% the Monthly Payment would be $1073 the same Loan at 1.95% would have a Monthly payment of $734. $339 a Month Less. $4068 a Year Less. If you were to invest this 4068 at the end of 5 years with a 5% Return you would have over $22,700.

Using Equity Indexed Annuities that Pay a 10% Bonus for all payments made in the first 5 years a 5% Return is very reasonable. Equity Indexed Annuities have another advantage in that they accumulate tax free. So now which is the best loan for you?

About the Author

Mike Makler is a Financial Consultant in the St Louis Missouri Area Specializing in Real Estate Loans and Annuities. To Learn More Call Mike at 314 398-5547 or Visit Mike's Web Page: http://ewguru.com/finance

Get Mike's Newsletter Here http://ewguru.com/fin-news

Copyright ? 2005-2006 Mike Makler

chicago transportation service
In The News:

Tracking the progress of the third party testing we at PES are coordinating along with U-Plug Products LLC, of their 2 kW U-Plug magnet motor that is a 24"x6" portable cylinder weighing 20 pounds, expected to cost 2,000 USD. We want to run it three times longer (21 hours) than what the best batteries available could provide. (PESWiki; February-April 2016)
Pre-launch video announces a new LENR website coming March 1, 2016 at http://LookingForHeat.com The video is very well done as an entertaining piece that hopefully will go viral. (Free Energy Blog; February 21, 2016)
It's not easy to find a qualified testing agency that is also willing to sign off on something that appears to defy our existing understanding of the laws of physics. U-Plug has agreed to allow for a group of us scientists, including at least 3 PhDs to go test their unit and publish our report. (PESN; February 20, 2016)
So that this is quite clear, this is a test on a Regular Torch. NOT the ELFE flashlight. This is to compare them. 2 x NiMH AA 1.2v Battery's in a Regular Torch with a Halogen Bulb. Load is 2.8v and 0.85amps. (PESN; February 17, 2016)
Video explains the scientific principles behind how the ELFE flashlight harnesses endless free energy from the environment (Earth's magnetic field), which works better in some regions than others. It also shows the insides the torch. Uses the word "antennae," as one of the components. (PESN; February 14, 2016)
"The OPhone contains a capacitor that directly powers our phone. During extensive use this capacitor may become discharged, however this capacitor is being constantly trickle charged by Orbo. So after a period of time the capacitor will be recharged and the phone will be functional again. In essence the phone is charging itself." (Free Energy Blog; February 13, 2016)
The company that has figured out how to harness the earth's magnetic field to produce usable power and has been selling the ELFE flashlight (two more customer reports), is now developing a 3 kW generator. In two weeks, they are holding a business meeting for international distributors. (PESN; February 12, 2016)
Illinois company is gearing up to manufacture a 2 kW (115 volts, 17.3 amps) magnet motor that is load-following, portable, 24"x6" tube, weighing 20 pounds, very quiet, with 3-year warranty but expected to last at least 20 years with zero maintenance. Third-party tested. MSRP 2000 USD, beginning March, 2016, through distributors. (PESWiki; February 11, 2016)
The government agent who worked on this technology five decades ago, that is similar to Professor Steven E. Jones' Joule Ringer, thinks it is conceivable that we could eventually scale this solid state technology up to have a device the size and price of an air conditioner providing 20 kw. (PESWiki; February 9, 2016)
Nagendra Singh in Mumbai, India, informs us that they have built five of these and have two running for customers presently, in the 40 kVA range. "Presently it is too [expensive], costing 3200 USD per kva below 30 kva." (PESWiki; February 8, 2016)
The SunCell is described as a solid state "Sun in a Box." A 200 kW module would weigh around 250 pounds, with energy production cost being around 1 cent/kwh, so return on investment could be ten days. They are expected to be available commercially by Q1, 2017. (PESN; January 6, 2015)
"Today I received my Elfe Flashlight and it works. Time will tell if it meets the claims of automatically recharging, when depleted. If it holds, the claims a real breakthrough in FE technologie would have been accomplished." -- German customer (PESWiki; February 6, 2016)
The phone battery indicator stays near full even with heavy usage throughout the day. (The battery is charged by the internal OCube that pulls energy from the wheelwork of nature, solid state). (PESWiki; February 5, 2016)
The capacity of the Proton-3ND (Proton -3 Nano Diffusion) battery is projected to be 44 times the capacity of lithium batteries. Electric vehicles with these batteries would have more power and much more mileage at no extra charge. (PESN; January 4, 2016)
HH2 water fuel cell creates pure hydrogen off a 9-volt battery. This was a big diesel HH2 cell that was tested on a 16-liter Cat engine for CARB testing; yet it ran on very low amps and a low 9 volts. (PESWiki; February 3, 2016)
A former U.S. Government worker describes his effort to bring to public awareness (by highlighting things presently in the public domain) energy and anti-gravity technologies that the government had operational 50 years ago but has kept from the public. (PESN; February 2, 2016)
Imagine an incandescent bulb that is actually more efficient than LEDs! Well, it actually exists (MIT) and it does so by recycling light. (Free Energy Blog; February 2, 2016)
SMBC-Comics.com has posted a fun spoof on our skeptics. (Free Energy Blog; February 1, 2016)
"OK, so a lot of people are asking what's the difference between an Orbo power cell and traditional batteries." Batteries store energy, Orbo generates energy, then trickle charges a lithium ion battery.] (Free Energy Blog; February 1, 2016)
Mr. Keshe is as misleading in the field of free energy as he is regarding me. That has been my experience the years I've been exposedto his work. He takes something and blows it so far out of proportion that it barely resembles the fact from which it was extrapolated into infinity. He demands: "Close PESWiki now." (PESWiki; January 31, 2016)
They have achieved solid state operation using an electromagnetic pump to spray the molten silver between the electrodes for the 1000/second continuous pulsing for continuous power production. (Free Energy Blog; January 29, 2016)

How to Buy a Home Without a Down Payment

Mortgage rates are rising and it's becoming more difficult for... Read More

Financial Rebirth Through Remortgage

Seldom in ones life do we get a chance to... Read More

Online Home Equity Loans: A Basic Glossary

Home equity loans can be a great idea for individuals... Read More

How to Secure the Best Mortgage Deal and Save Yourself Thousands in Interest

When you consider that the average home owner will pay... Read More

Why You Should Not Get Hung Up on the Interest Rates!!

This is what a mortgage can do for you!AND Why... Read More

How to Find the Lowest Rate Possible!

The quest is on! You're in the market for a... Read More

Mortgage After Bankruptcy

Most people probably assume that obtaining a mortgage to purchase... Read More

A Guide to Quick Homeowner Loans

The search for quick homeowner loans can seem futile at... Read More

Kings Bay Saint Marys & Kingsland Georgia Real Estate - Getting a Home Loan with Damaged Credit

So, you have made the decision that you would like... Read More

Zero Down Payment Mortgage ? Can It Be Done?

"I've been renting for years now; I've always paid my... Read More

Home Owner Loans Explained

How To Release Equity Locked Up In Your Home For... Read More

Bad Credit Mortgage Loans Online - How Your FICO Credit Score Can Affect Your Loan Approval

When applying for a mortgage loan when you have a... Read More

Doing a California Refinance Online

Californians are passionate people. I know. I have lived in... Read More

To Refinance or not to Refinance -- Here is the Answer

I have written many articles on refinancing a fixed rate... Read More

Home Equity Loans Can Provide Cash in a Hurry

Think About the Long Term. Estimate how long you expect... Read More

Things that You Need to Know before Financing Your Home

Frequent Asking Questions:What are Points? A. There are several types... Read More

How do I know what is the best Second Mortgage Home Loan for me?

The information in your credit history helps mortgage lenders decide... Read More

Buying a Home With Bad Credit - Why a Recent Bankruptcy Will Not Stop You From Getting Approved

Buying a home with bad credit is possible with the... Read More

Mortgage Refinancing Companies -- Choosing The Right One

Searching for a mortgage refinance company can be a daunting... Read More

The Best Tactics for Getting a Quick Homeowner Loan

Trying to find a quick homeowner loan can seem difficult... Read More

Mortgage Marketing

W. Edwards Deming said "Marketing and innovation are the only... Read More

Fixed Rate Mortgage vs. Adjustable Rate Mortgage

The most basic distinction between types of mortgages that are... Read More

How to Utilize Your Cash Investment in Your Home

Have you ever noticed how hard it can be to... Read More

Housing Bill - Changes in the Right To Buy Scheme

Presently council tenants are able to purchase their rented property... Read More

How To Get The Best Home Equity Loan

Are you wondering how to get the best Home Equity... Read More

area induction lighting led vs induction lighting Pete's produce ..