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Many homeowners apply for home equity loan for a variety of reasons. While some want to utilize the money to get rid of unmanageable debt, others want to add value to their existing home by restructuring and repairing. Whatever may be the reason, the home equity loan provides a homeowner the quickest and easiest means to get extra cash to meet unavoidable expenses.
In many cases, lenders are too willing to offer you home equity loan for the simple reason that the loan is secured by your property. The market is flooded with so many loan products from lending institutions that offer you excellent terms and conditions and leave no stone unturned to publicize their schemes on televisions and print. All this may leave you feeling baffled and confused about which home equity loan product to pick. Before choosing which lending institution to go with, make sure to do some research. Shop online to obtain home equity loan quotes from different financial companies.
The problem is that the loan market is filled with reputable lenders as well as deceitful lending companies. While most of the lenders will offer competitive terms and conditions, there are also a few who will try to trick you into a bad loan. When you are taking out a home equity loan, you are using your house as the collateral. In case of any default, the lenders may lay claim on your property. The dishonest lenders work towards this end; which is why they purposely push you into a bad loan.
How can you differentiate between a good lender and a bad one? The bad lenders use certain deceptive tactics to put you into a debt trap and to eventually grab your property. The most common trick is to tempt you to take out more loans or more than you can actually afford. Using forged documents or making you sign on blank documents are some other tactics employed by these dishonest lenders.
It is important to get your home equity loan from a reliable moneylender. But distinguishing between a clean dealer and a shady dealer is a tough job indeed. It is important that you do some research for a suitable lender. Shop on the internet and obtain multiple quotes from different lenders; identify the honest and the dishonest lenders. A sign of a dishonest lender is that it will tend to charge an interest rate that is two or more percentage points above the average.
In a nutshell, compare the loan fees and other costs, choose the best loan term and lock in the lowest rate to seal the best deal.
According to the survey by Directorate of Cocoa, Arecanut and Spices
Development (DASD), Indian pepper output during the new crop season (2011-12) is
estimated to be around 43,000 tonne, which is lower by around 5,000 tonne than
the previous crop. Both trade and government sources are of the opinion that the
new crop would be lower due to disease and neglect. Of the total, 1,000 tonne
would be white pepper.
Carry -over stock at the end of 2011 is projected
around 15,000 tonne. Karnataka crop is pegged around 25,000 tonne, and followed
by Kerala with 13,000 tonne. Tamil Nadu chips in with 5,000 tonne.Indian pepper
production has been declining rapidly in the past ten years. From nearly one
lakh tonne of annual production it has come down by more than 50%.
Area
under pepper farming in Kerala has declined drastically during the last few
years due to lesser viability relative to other cash crops like rubber. A recent
study by the Agricultural Market Intelligence Centre (AMIC) of Kerala
Agricultural University reports that area under pepper farming has come down by
24% in nine years while production has declined by almost half during the same
period due to declining productivity and increasing cost of production. Pepper
in Karnataka is grown mainly in the irrigated coffee plantations and is seen to
be less monsoon sensitive.
According to IPC figures, Indian production
during 2010-11 is pegged around 48,000 tonne as against 50,000 tonne during
2009-10. Indian consumption during 2011 is estimated around 40,000 tonne and
carry-over stock at the beginning of year at 14,500. Consumption is seen lower
by 10% probably due to higher prices of pepper.
Spice market news
pepper market
RIO DE JANEIRO， Jan. 9 (Xinhua) -- The governor of Brazil's northern Roraima state requested the deployment of 100 National Security Force officers after 33 inmates of a prison in the state were killed in a riot.
Governor Maria Suely Campos said that the request is urgent and that ensuring safety at the prison in the city of Boa Vista is an absolute priority.
She also requested the transfer of eight criminal gang leaders to prisons outside her state and 9 million reais (2.8 million U.S. dollars) to expand a prison and build a new one.
The governor requested help in November 2016 after a prison riot that killed 10 inmates， but her request was unanswered.
This time， the federal administration decided to send troops to Roraima and agreed to transfer drug lords out of the state.
The National Security Force troops are expected to arrive at Roraima on Tuesday.
Federal troops will also be deployed in the state of Amazonas， where a prison riot in the state capital of Manaus left 56 inmates dead days before the Roraima prison riot.
TAIPEI， Feb. 10 (Xinhua) -- Hundreds of Uber drivers joined a motorcade in Taiwan Friday to protest against the authority's decision to slap huge fines on the company last week， which led Uber to suspend its services.
The motorcade， with cars sporting the company's logos or slogans such as
"Legalize Uber，" drove around the transportation authority's building. Several
protesters also sat in front of the building， holding placards calling for a
meeting with the chief transportation
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