Month: May 2007

Auto Secured Loan Tied Directly To Title

Since cars are usually the second largest asset people will acquire during their lifetime, an auto secured loan is typically how they buy one. This type of loan is called a secured loan simply because the amount you are borrowing to purchase the vehicle is secured by the title of the vehicle. That is the title may be in your name, depending on the source of your auto secured loan, but the lender is listed as a lien holder on the title and cannot be sold while you still owe money on the loan.

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Your credit history will determine not just the interest rate you will be charged on the loan but also how much security the lender will want before you get the car. For example, a person with a perfect credit history may be able to obtain an auto secured loan for the price of the vehicle, and the lender will not consider the depreciation on the vehicle once you drive it off the lot.

A person with less than stellar credit, but still not bad, will usually have to provide a down payment to reduce the amount of the auto secured loan to an level that will be lower than what the car will be worth when it leaves the lot, typically about 70 or 80 percent of the value.

Lenders Protecting Their Financial Interests

Should a borrower default on an auto secured loan the lender has the right, under the law, to recoup their losses. Usually, if the vehicle is taken back by the lender after a certain amount of time, which varies from state-to-state, they can sell the vehicle and any difference between what you owe on the loan, plus reasonable expenses for recovering the vehicle, selling it and legal fees and what the vehicle sold for will be your responsibility.

Before you take out an auto secured loan you should carefully check the company with which you will be doing business. The Better Business Bureau in your area can caution you if a company has complaints concerning predatory lending practices and how well they follow the agreement they made with the customer at the start of the deal.

However, unless you are prepared to pay cash for the vehicle, there is a good chance that an auto secured loan will be how you purchase a vehicle. Caution is advised to make sure the lending company is legitimate and ethical in its dealings.

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Women s Lingerie A New Route to Self-Discovery

Mention lingerie to a man and you will understand why experts say that man is turned on by visual fancies, rather than any other factor that goes into the making of a good marriage. To a man, life can be pretty dull otherwise.

Women s Lingerie Can Kick-Start a Beautiful Relationship

Consider that the relationship is just starting the marriage vows have been just taken and you are starting your married life. The wedding night would be one of the most unforgettable nights, well know for the best possible sex you had. How would you feel if you were told you could re-capture the magic of that every day? You can do so; use lingerie and see how things unravel:

1. The corset and bustier these elements in women s lingerie is what is used to maintain a beautiful body shape both at the waist level (with a corset) and the breasts (with a bustier). Wearing a corset improves your overall confidence and feeling of well being because it makes you look great.

2. The Teddy design of women s lingerie is a type of designer label, which represents a one-piece suit. The three-piece seduction suit (as you could call your lingerie) has a lot of personal appeal and suits those who have slight paunch. The Teddy design is actually a one-piece suit that has both a bustier and a corset and extends to a thong. The additions of this type of women s lingerie are garter belts, leather gloves, long boots, etc.

3. Are you sizzling hot? Why don t you play it up a little by using women s lingerie in the bedroom as well? You may find that initially you will need a little patience both with yourself and with your husband/ partner because it might be a little awkward at first to bring seduction back into your lives. However, it is indeed worth the pains taken.

4. Women s lingerie has enabled women to rediscover themselves and introspect into their wants and sexuality. For many it is a wonderful experience. As a matter of fact, women can do much better in the bedroom once they use lingerie because they feel attractive and beautiful. It is like opening a magic door towards a new world.

The use of lingerie will very much depend upon what and how it is used; the locale, the reason of celebration, and the mood of either partners. The game of love should be played by both if you want to enjoy it fully and good sex should be as common s good food. It takes some time, but gradually good sex makes humans content with themselves and happy. Lack of sex often narrows the mind, outlook and makes one relatively grumpy.