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When Not To Agree To A Home Equity Loan

Before you borrow money on your home's equity, think twice so you don't end up paying more than you expected.

According to the Federal Trade Commission, homeowners-particularly elderly, minority and those with low incomes or poor credit should be careful when borrowing money based on their home equity. Certain abusive or exploitative lenders target these borrowers, who unwittingly may be putting their home on the line. Abusive lending practices range from equity stripping and loan flipping to hiding loan terms and packing a loan with extra charges.

When not to agree to a home equity loan:

- If you don't have enough income to make the monthly payments.

- If the loan terms are incredibly unfavorable to you, with enormous up-front costs and high interest rates (sometimes exceeding 50 percent).

- If there are discrepancies between the promised or stated interest rate and the annual percentage rate (APR) figure required in all consumer loan contracts (Truth in Lending). If that figure is significantly higher than the rate stated in the contract, the loan contains hidden interest charges.

- If you can't determine who the lender is. A lender could be nothing more than a few individuals in for a quick score. Does the agent have an office? Is the company an old and established one with community ties?

- If you haven't read or if you don't understand the loan terms or you're being pressured into signing the loan document.

- If the loan includes extra products you don't want.

What to do before you Agree to a home equity loan:

Have a financial adviser such as an attorney or accountant review all papers before signing anything. Paperwork for a loan contract is often technical and unclear. Read all items carefully. If you need an explanation of any terms or conditions, talk to someone you can trust, such as a knowledgeable family member or an attorney. Keep careful records of what you've paid, including billing statements and cancelled checks. Consider all the costs of financing before you agree to a loan.

Copyright ? 2005. Chileshe Mwape writes for the Banking News Website at: http://www.banking-news.org.uk/ which offers informative articles about banking, mortgages and loans.

This article may be reprinted as long as all the above links are active and clickable.

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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)

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