Tuesday, November 24, 2009

Secured loans

Secured loans are those loans that are protected by an asset or collateral of some sort. The item purchased, such as a home or a car, can be used as collateral, and a lien can be placed on such purchases. The finance company or bank will hold the deed or title until the loan has been paid in full, including interest and all applicable fees. Other items such as stocks, bonds, or personal property can be put up to secure a loan as well.

A secured loan is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan.

A mortgage loan is a very common type of debt instrument, used by many individuals to purchase housing. In this arrangement, the money is used to purchase the property. The financial institution, however, is given security — a lien on the title to the house — until the mortgage is paid off in full. If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.

In some instances, a loan taken out to purchase a new or used car may be secured by the car, in much the same way as a mortgage is secured by housing. The duration of the loan period is considerably shorter — often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. A direct auto loan is where a bank gives the loan directly to a consumer. An indirect auto loan is where a car dealership acts as an intermediary between the bank or financial institution and the consumer.

A type of loan especially used in limited partnership agreements is the recourse note.

Life is a game

Life is a game,
A game of chess,
If you make a wrong move,
Your winning chances are less.

Life is so precious,
Life is so beautiful,
Life is a real game,
So make winning your aim.

Tuesday, November 17, 2009


Motivation is the inner power or energy that pushes one toward performing a certain action.
When one is fired from the inner power and ready to take the difficult path to achieve their goals and targets, they are said to be motivated. And this is a strong feeling or urge. It is fired by internal, as well as external factors. Thus, when asked what is motivation? The answer is as simple as this: "IT IS THE DRIVING FORCE THAT KEEPS ONE GOING TOWARDS ONE'S GOALS."

Monday, November 16, 2009


Mesothelioma is a type of cancer that is caused by exposure to asbestos. In this disease, malignant cells develop in the mesothelium, a protective lining that covers most of the body's internal organs. The most common site of Mesothelioma is the pleura the outer lining of the lungs and internal chest wall, but Mesothelioma may also occur in the peritoneum the lining of the abdominal cavity, the heart,the pericardium a sac that surrounds the heart or tunica vaginalis.

People who are affected by mesothelioma have worked on jobs where they inhaled asbestos particles, or they have been exposed to asbestos dust and fiber in other ways. It has also been suggested that washing the clothes of a family member who worked with asbestos can put a person at risk for developing mesothelioma.

Friday, November 6, 2009

Own Motivational Thoughts

What does "making it your own" mean? It means experimenting with a good thought until you find a way to use it in your own recipe for motivation. For example, suppose you are in a difficult situation and you just don't feel like dealing with it. Then you play around with the idea of opportunity coming from difficulty, and you discover that it pulls you out of your slump to think about yourself in the future, explaining to a friend how you turned the difficult situation to your advantage.

That is making it your own motivational thought. Of course, it might be more motivating to imagine yourself being interviewed someday about how you overcame this difficult time. Whatever kind of thinking works for you is what you should be doing.