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WASHINGTON jordan 5 retro australia , Nov. 13 (Xinhua) -- U.S. President Barack Obama is to award the Presidential Medal of Freedom to luminaries including former president Bill Clinton, talk show hostess Oprah Winfrey, as well as posthumously to former senator Daniel Inouye and first female astronaut of the country Sally Ride, the White House said Wednesday.


According to a White House statement, the recipients of this year's award will also include Ben Bradlee, the executive editor of The Washington Post in the Watergate era air jordan 5 australia , as well as Ernie Banks, one of the greatest baseball players in the country, former senator Richard Lugar, as well as scientists, rights advocates and musicians and sports stars.


The Presidential Medal of Freedom is America's highest civilian honor, along with the comparable Congressional Gold Medal bestowed by the Congress jordan 4 retro australia , presented to individuals who have made especially meritorious contributions to the security or national interests of the United States, to world peace, or to cultural or other significant public or private endeavors.


The award ceremony is to take place at the White House on Nov. 20.


This year marks the 50th anniversary of the executive order signed by former president John F. Kennedy establishing the Presidential Medal of Freedom, as well as the first ceremony bestowing the honor on an inaugural class of 31 recipients.

Finance > Insurance > Home InsurancePoor Credit Home Equity Loans - Avoiding Home Equity Loan Scams

Posted by nick_niesen in Finance on October 29th, 2010


Obtaining a home equity loan makes it possible to payoff credit cards, finance a home improvement project air jordan 4 australia , etc. In fact, one of the benefits of homeownership is being able to tap into your home's equity for large expenses. Many lenders offer great rates on home equity loans and lines of credit. Yet, homeowners should beware home equity loan scams that place them at risk of losing their home.


Understanding Home Equity Basics


A home equity loan is essentially a personal loan that is secured by your home's equity. The amount you are able to acquire will vary. For the most part, you are able to obtain a loan up to the amount of your home's equity. However, lenders will usually review your credit and income to ensure that you qualify for the requested amount.


Home equity loans are beneficial because the funds may be used for a multitude of purposes. If you are looking to payoff credit card balances, a home equity loan will help you achieve this goal. Nonetheless jordan 3 retro australia , exercise care when applying for such a loan. Because your home serves as the collateral, failure to maintain regular payments will result in foreclosure. Sadly, some lenders are betting on your inability to repay a home equity loan.


Common Home Equity Loan Scams


Lenders use an array of fraudulent schemes to steal your equity. For starters, there are lenders who cleverly convince homeowners to borrow more than they can afford to pay.


Moreover, a lender may encourage homeowners to exaggerate their income in order to qualify for a larger amount. Instead of having your best interest in mind, these lenders knowingly position their clients for defeat. Hence air jordan 3 australia , when you can no longer afford the payments, the lender forecloses.


If applying for a home equity loan, it is important to read the loan agreement carefully. If possible, have the contract reviewed by an attorney. Some home equity loans involve a large balloon payment at the end of the loan term. The typical homeowner cannot afford to pay this amount. Regardless of whether you maintain timely payments, the home equity lender may claim your home if you are unable to make the final payment.


SEOUL, Jan. 19 (Xinhua) -- South Korea vowed all-out efforts to open a new unification era with the Democratic People's Republic of Korea (DPRK) from 2015 jordan 18 retro australia , ministries in charge of inter-Korean and foreign affairs said Monday in annual reports to President Park Geun-hye.


Park said government officials should make efforts to "create conditions" under which the DPRK can respond to Seoul's offer to hold a dialogue in January to discuss all issues of mutual concern.


Park said inter-Korean talks should be resumed rapidly to prepare for future unification with the DPRK, when she received briefings on 2015 policies by four ministries in charge of unification, defense and foreign affairs.


The conditions, which Park mentioned, indicated the scattering of anti-DPRK leaflets by South Korean civic groups, the stop of which Pyongyang has demanded as an implicit condition for inter- Korean talks.


The civic groups flied leaflets criticizing the DPRK regime across the demilitarized zone on balloons. In October air jordan 18 australia , the DPRK shot at the balloons, raising tension on border areas.


Border residents opposed to the leaflet dispersion on rising tensions, and a South Korean court ruling said the government can prevent activists from floating the leaflets if those activities threaten the lives and property of people.


Unification Ministry officials met with Park Sang-hak, who said he plans to scatter copies of "The Interview," a film featuring a fictional plot to assassinate top DPRK leader Kim Jong Un, urging him to refrain from such activity jordan 14 retro australia , the ministry's spokesman said Friday.


Kim said in his New Year's speech on Jan. 1 that there is no reason not to hold talks with Park, who said on Jan. 12 in response that she is open to a summit with the DPRK leader.


The Unification Ministry in charge of inter-Korean affairs said in its report that it pushes to legalize its government responsibility for peaceful unification with the DPRK.


The law, tentatively titled "act to lay foundation for peaceful unification," will be enacted this year to continue efforts to lay foundation for reuniting the divided Korean Peninsula under different administrations.


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