Home Equity Loans

Have you heard about home equity loans, but aren't sure if they're right for you? There are certain times when a home equity loan could be ideal just as there are times when more traditional mortgages might be more suitable.

Why Do I Need a Home Equity Loan?

Most people's biggest asset is the family home. As the years pass, your mortgage is paid off and the value of your home has increased to several times what you originally paid for it. This increased value, minus your loan balance, is called your home equity.

Banks are able to lend you money using your home equity as collateral, or security, for the loan so that you can access that value to do other things. You might decide to renovate your home, add on a new room or a new kitchen. Some people use this value in their homes to fund wealth building ventures. You could use your home equity to purchase an investment property or to invest in the share market.

The idea behind a home equity loan is that you are able to redraw your own money out of your equity to use however you choose.

How to save money on your Suzuki Swift insurance

When buying Suzuki swift car insurance there are several steps you can take to keep costs to a minimum. Consider these money saving tips if you're looking to find cheaper insurance for your Suzuki Swift:

• Improve Security - reduce the risk of your Suzuki Swift being stolen or damaged by fitting an approved alarm and immobiliser system and parking your vehicle in a safe location at night.
• Up your excess - you can lower premiums on your Suzuki Swift insurance by offering to pay a higher excess in the event of a claim. Be sure to set this at a level you can comfortably afford.
• Limit your mileage - driving less can bring down the cost of cover. Reduce the number of miles you'll drive in a year and inform your insurance company.
• Only pay for what you need - it's important that your policy provides the right level of protection but avoiding unnecessary add-ons can help you to find cheaper quotes.
• Shop around - don't assume you're renewal quote is the best deal available. Compare quotes from other car insurance companies to see how much you could save.

Mesothelioma Lawyers - Fighting Your Battles For You

Work is something we all do and earning a living is important to every family. When work poses many dangers to one's health it is of course important to be well informed of it and to take the necessary precautions. Asbestos workers are at high risk to contract a type of cancer called mesothelioma when exposed to it. While many firms advise and warn workers, it is also important o have adequate safety measures and precautions in place for the workers to guarantee their safety.

When these things are not taken care of due to negligence or lack of concern then the worker has every right to demand compensations for the consequences. Dealing with cancer can be a difficult time, however it is important that you know that your rights will be protected and you will be given proper compensation for your treatment. Mesothelioma lawyers will be able to advice you on how to proceed.

When struggling with the medical complications and diagnosis of your illness you must also begin the legal proceedings and gather as much information as you can to prepare for the battle. There are free mesothelioma information packets which will contain treatment options, available treatment and therapy as well as information about exposure at the jobsite. There are many significant breakthroughs and emerging research for this illness but just as with any medical facility it comes at a cost. While you may be struggling to deal with the symptoms of your cancer, you also need to prepare yourself to go the whole mile and get what you deserve in compensation. Mesothelioma lawyers would have had extensive experience handling numerous cases and will be able to judge the best possible way to deal with the illness.

When filing a lawsuit you need to be able to have clear and detailed facts to give your lawyer. While you are struggling with the illness itself, you will need to steel yourself to answer questions and spend time with your lawyer on the case to win your compensation. A well experienced lawyer will know all the right questions and details that will make your case rock solid and proving the company's role in it is their task.

There will be various stages in the lawsuit and your involvement while necessary will not be detrimental to your ongoing treatment. Mesothelioma lawyers have seen numerous other families go through the troubles involved in coping with the illness and will be able to stand by you to help you cope Having seen and fought for other families you can be sure that they will provide you with the right sort of attention and understand that your family is going through a difficult phase.

When contacting mesothelioma lawyers you need to ensure that they have handled other cases and also that they have done so with complete sensitivity to the client's needs. You can talk to others who have gone through the same deal as you before deciding on a good lawyer. If your loved one is too sick to speak to the attorney, you can still approach them on their behalf and have them gather the necessary information. With their experience and profiles, mesothelioma lawyers have seen it all and will be able to provide the right choices and avenues to you for help.

Blackstone To Buy Extended Stay America for Nearly $2 Billion

Private equity firm Blackstone Group has agreed to acquire lodging chain Extended Stay America for $1.99 billion. With the purchase, Blackstone will assume $1.13 billion worth of Extended Stay America’s debt.

Extended Stay, which chiefly serves corporate employees on long-term assignments, has 475 hotels in 42 states. Rates at an Extended Stay lodge ranged from $200 to $338 per week last year. The company’s occupancy rate has suffered in recent years, dropping to 65% in 2003 from 80% in 2000. The firm also experienced a 29% decline in net income between 2002 and 2003.

Blackstone agreed to pay $19.62 per share for the lodging chain, which represented a 24% premium on its Friday close of $15.81 on the New York Stock Exchange.

"This transaction will benefit from our long track record and existing expertise in the hotel sector," said Stephen Schwarzman, Blackstone’s president and CEO, in a statement.

Blackstone To Buy Extended Stay America for Nearly $2 Billion

Private equity firm Blackstone Group has agreed to acquire lodging chain Extended Stay America for $1.99 billion. With the purchase, Blackstone will assume $1.13 billion worth of Extended Stay America’s debt.

Extended Stay, which chiefly serves corporate employees on long-term assignments, has 475 hotels in 42 states. Rates at an Extended Stay lodge ranged from $200 to $338 per week last year. The company’s occupancy rate has suffered in recent years, dropping to 65% in 2003 from 80% in 2000. The firm also experienced a 29% decline in net income between 2002 and 2003.

Blackstone agreed to pay $19.62 per share for the lodging chain, which represented a 24% premium on its Friday close of $15.81 on the New York Stock Exchange.

"This transaction will benefit from our long track record and existing expertise in the hotel sector," said Stephen Schwarzman, Blackstone’s president and CEO, in a statement.