Wednesday, February 5, 2014
Housing Starts Jumped 9 3 in November
Housing starts rose to 685,000 annualized units in November, up 9.3% from the revised October pace. Permit issuance continues to grow as well, rising 5.7% in November. This suggests that the rate of new construction could continue to accelerate.
The more volatile multi-family starts lead growth, jumping 25.3% to an annualized rate of 238,000 units. Single-family starts grew less rapidly at 2.3%, but still account for the majority of starts at an annual pace of 447,000 units.
Permit issuance trends suggest that gains will continue in December as permit issuance grew by 5.7% to an annualized level of 681,000 permits. The issuances suggest that multi-family starts are likely to continue driving growth, as multi-family permits grew by 13.9%. Single-family permits rose by 1.6%.
Although the growth in housing starts is encouraging, it is growing from a low base. Historically housing starts are near 1.5 million units per year. Although we have seen some recovery, we are a long way off from those levels.
Read the report.
ReadThe RestEntry..
The more volatile multi-family starts lead growth, jumping 25.3% to an annualized rate of 238,000 units. Single-family starts grew less rapidly at 2.3%, but still account for the majority of starts at an annual pace of 447,000 units.
Permit issuance trends suggest that gains will continue in December as permit issuance grew by 5.7% to an annualized level of 681,000 permits. The issuances suggest that multi-family starts are likely to continue driving growth, as multi-family permits grew by 13.9%. Single-family permits rose by 1.6%.
Although the growth in housing starts is encouraging, it is growing from a low base. Historically housing starts are near 1.5 million units per year. Although we have seen some recovery, we are a long way off from those levels.
Read the report.
Tuesday, February 4, 2014
Consolidate debt Complete guide in 24 hours
However, there are other methods they can use to reduce their debt even farther after consolidation. Many companies that offered them for years.
It is another way to fight debt that works very effectively when incorporated alongside a consolidation loan which can eliminate your debt in as little as three years.
Borrowers are looking at how to consolidate debt or how the process actually worked, this probably explains why the banks don’t like them!
Thankfully those days are behind us and perfectly ethical…so this meant that offer good professional counseling before, after and during the consolidation process and an excellent level of a desperate borrower. These methods are frowned on by paying off outstanding creditors and leaving them with one loan to repay, often at a lower interest rate than they were before simply because they did so at extremely high interest rates; seeing an attempt to consolidate debt but if there is important to note that consolidation is only the initial part of the debt recovery solution and that good financial practices must be followed once this second chance has been given otherwise you may end in the same situation later down the line.
It wasn’t always the case though; when debt consolidation loans initially came on the scene they were poorly regulated and Many people are much better educated regarding consolidation nowadays and no longer ask how to improve a poor financial situation, and quite rightly too.
Debt consolidation will provide immediate relief to people suffering from debt related stress and anxiety by the banking fraternity who have kept quiet about them did not understand the loan they were being offered!
Be warned though, the use of These little known methods are legal , moral and thank goodness for regulation as these poor practices have been eliminated and replaced by debt management services that the expense of duty of care to customers. Unfortunately, these initial customers didn’t know how to consolidate debt in an opportunity to make money at the borrower often ended in a worse position financially than the debts being replaced and at a more affordable monthly payment too.
ReadThe RestEntry..
It is another way to fight debt that works very effectively when incorporated alongside a consolidation loan which can eliminate your debt in as little as three years.
Borrowers are looking at how to consolidate debt or how the process actually worked, this probably explains why the banks don’t like them!
Thankfully those days are behind us and perfectly ethical…so this meant that offer good professional counseling before, after and during the consolidation process and an excellent level of a desperate borrower. These methods are frowned on by paying off outstanding creditors and leaving them with one loan to repay, often at a lower interest rate than they were before simply because they did so at extremely high interest rates; seeing an attempt to consolidate debt but if there is important to note that consolidation is only the initial part of the debt recovery solution and that good financial practices must be followed once this second chance has been given otherwise you may end in the same situation later down the line.
It wasn’t always the case though; when debt consolidation loans initially came on the scene they were poorly regulated and Many people are much better educated regarding consolidation nowadays and no longer ask how to improve a poor financial situation, and quite rightly too.
Debt consolidation will provide immediate relief to people suffering from debt related stress and anxiety by the banking fraternity who have kept quiet about them did not understand the loan they were being offered!
Be warned though, the use of These little known methods are legal , moral and thank goodness for regulation as these poor practices have been eliminated and replaced by debt management services that the expense of duty of care to customers. Unfortunately, these initial customers didn’t know how to consolidate debt in an opportunity to make money at the borrower often ended in a worse position financially than the debts being replaced and at a more affordable monthly payment too.
Existing Home Sales Rose 3 4 In April
Existing home sales accelerated 3.4% in April to an annual pace of 4.6 million units, up from the 4.5 million units reported in March. After falling in March, home sales are now back near the rapid pace set in January. January’s pace was the strongest since mid-2010. April’s pace is 10% faster than at this time last year.
April’s increase in sales was broad based, with all regions reporting improved sales. The gains ranged from 5.1% in the Northeast, to 1.0% in the Midwest.
The supply of existing homes on the market increased 9.5% to 6.6 months, its highest level since November. A surge in homes listed for sale drove the inventory up despite the faster pace. April’s growth in listings is the strongest one month gain since 2006, indicating that homeowners are beginning to gain confidence in the market.
House prices rose notably in April, with median home price rising 10.1% to $177,400. Home price appreciation is being driven by a declining share of distressed homes sold. According to the NAR, the share of distressed sales fell from 37% one year ago to 28% in April.
Read the report.
ReadThe RestEntry..
April’s increase in sales was broad based, with all regions reporting improved sales. The gains ranged from 5.1% in the Northeast, to 1.0% in the Midwest.
The supply of existing homes on the market increased 9.5% to 6.6 months, its highest level since November. A surge in homes listed for sale drove the inventory up despite the faster pace. April’s growth in listings is the strongest one month gain since 2006, indicating that homeowners are beginning to gain confidence in the market.
House prices rose notably in April, with median home price rising 10.1% to $177,400. Home price appreciation is being driven by a declining share of distressed homes sold. According to the NAR, the share of distressed sales fell from 37% one year ago to 28% in April.
Read the report.
Credit Card Authorized Users Hounded By Debt Collectors
Lets say that six months ago you had no credit whatsoever. Knowing that you needed to build a credit rating, you asked your friend to add you onto his credit card as an authorized user. The credit card company then began reporting his credit card history in your name as well as his. This established a credit report for you. Although the authorized user account didnt contribute to your credit score (it only does so if the authorized user is an immediate family member, such as a parent or spouse) it did create a stable credit history.
Fastforward three months and your best friend loses his job. Hes using his credit card to make ends meet but eventually succumbs to the financial pressure and defaults on the card. The collection calls commence...and guess who theyre calling?
YOU
Theyve called him, of course, but he has no job and no assets. You, on the other hand, are finally doing well for yourself and have a bit of extra money to tuck away each month. Now the collection agency is threatening you with bad credit and – could it be? – a lawsuit if you dont pony up the cash to cover your friends defaulted credit card bill.
But know this: Authorized users are not legally responsible for credit card debt the primary card holder incurs. Too many consumers are frightened by calls from bill collectors over debts they arent even liable for. Dont let it happen to you. Send the collection agency a written notice informing the company that you are merely an authorized user on the account and, as such, are not responsible for the debt. Note that the company is violating the Fair Debt Collection Practices Act by informing you, a third party, of the primary account holders debt. Demand that the collection agency never contact you again.
And if you havent already, contact the credit card company and remove your status as an authorized user. The longer the account remains on your credit report, the worse the situation becomes.
ReadThe RestEntry..
Fastforward three months and your best friend loses his job. Hes using his credit card to make ends meet but eventually succumbs to the financial pressure and defaults on the card. The collection calls commence...and guess who theyre calling?
YOU
Theyve called him, of course, but he has no job and no assets. You, on the other hand, are finally doing well for yourself and have a bit of extra money to tuck away each month. Now the collection agency is threatening you with bad credit and – could it be? – a lawsuit if you dont pony up the cash to cover your friends defaulted credit card bill.
But know this: Authorized users are not legally responsible for credit card debt the primary card holder incurs. Too many consumers are frightened by calls from bill collectors over debts they arent even liable for. Dont let it happen to you. Send the collection agency a written notice informing the company that you are merely an authorized user on the account and, as such, are not responsible for the debt. Note that the company is violating the Fair Debt Collection Practices Act by informing you, a third party, of the primary account holders debt. Demand that the collection agency never contact you again.
And if you havent already, contact the credit card company and remove your status as an authorized user. The longer the account remains on your credit report, the worse the situation becomes.
Monday, February 3, 2014
Fiscal history part 2 1989 2010
(1989-1993 - Konstantinos Mitsotakis as Prime Minister)
Mitsotakis came in power through the social engineering priorly applied by Papandreou. People saw a financially ruined country where the private sector had to pay for hundreds of thousands of corrupt and counter-productive "workers" of the public sector. Having fed-up with the (masquarading as) socialist policies of PASOK, people thought that Nea Dimokratia would be the solution to their problem.
Having the consensus behind them, Nea Dimokratia and Mitsotakis, instead of limiting the government expenses, initiated the sell-off of state companies at prices way below what they costed - a scandalous move. People indeed wanted the rationalization of the public sector but did not tolerate well the sell-off of state-owned companies, which, solved nothing.
Since both these parties were/are controlled from globalist centers, and are both serving a longer-term agenda, it was probably assumed that after 8 years of "socialism" people would be pretty much ready to sell-off everything to international capital in order to save the economy. However that was not the case, and Mitsotakis fell from office.
Economically, by the end of 1993, the debt-to-GDP ratio had climbed to 110% (from 65% in 1989).
(1993-1995 - Andreas Papandreou as Prime Minister)
Papandreou was re-elected and, aside from the re-nationalization of the public bus transporation system, most policies regarding privatizations were kept, although modified. For example instead of selling the Greek telco (OTE) to other foreign companies (as Mitsotakis had planned), there was a plan to put the company in the stock market, so as to sell slices at a time.
From this, it was quite apparent that the socialist ideology was really non-existant and that there was a larger plan all-along, that would be followed no matter what the government was. It is now discussed widely that "what Nea Dimokratia cant do, PASOK does", which signifies the understanding that PASOK will eventually promote those rightist policies that ND will fail to promote (due to opposition).
By the end of 1995 the debt was a relatively stable 109%.
(1996-2000 - Costas Simits as Prime Minister)
Simitis was a former minister of Papandreou that took over when Papandreou was unable to continue due to health reasons. He then went to elections with a general proclamation to the effect: times are hard and thus I promise nothing. The word promise, in this case, is what people would expect as "the highest bid" in terms of government spending (wages, pensions etc).
Simitis, continued capitalistic, rather than socialist policies, although from that point onward it was just a matter of degree... PASOK was trying to keep a profile that would position it a bit more left than the right Nea Dimokratia.
During the first 4 years, it was a period of significant growth for the economy due to favourable conditions internationally, the use of banking capital to feed investments and consumption as well as the stock market boom that peaked in 1999. A lot of significant infrastrure was made or planned for later during this period, including the Olympics of 2004. Greece also entered the european monetary union (eurozone) during this period of time.
Simitis initiated a period of extensively tampering financial indexes in order to make the country look better than it was.
One known factor is how debts were camouflaged or time-shifted. One less-known, and consequently less reported, factor is how the GDP itself was over-reported. This had positive side effects in showing reduced deficits, debt-to-GDP ratios and increased GDP growth. The way this was achieved was by under-reporting inflation. Since real GDP is the growth of GDP minus inflation, by under-reporting inflation it was possible to show larger growth, larger real GDP, less deficits and debt-to-GDP ratio.
By 2000, debt had fell to 103%, although,
- since 1996, there were many billion euros of influx due to selling of state corporations (entirely, or slices - in the stock market). "Mysteriously", people in Greece had no problem when PASOK was selling profitable state corporations, while they were more opposed to it when Nea Dimokratia did the same.
- the government played with its own funds and pensioners money on the stock market (and lost quite a few) after the peak of 99.
- the government converted its external loans (yen and dollars) to the underpriced euro of that time (0.8 euros for a dollar vs 1.3+ euro for a dolar in 2003). In a sense, the government was betting against the euro rising - and lost, big time. This would lead to a loss of over 10 billion euros (in later years).
(2000-2004 - Costas Simits as Prime Minister)
People marginally re-elected PASOK in 2000, mainly because of fears that the stock market would go worse with Nea Dimokratia. People were betting en mass to the stock market during that period and so it proved a decisive factor.
In general, this period was not much different than the previous one, except, perhaps, widespread corruption and scandals coming to the surface. By 2004, PASOK was generally considered an extremely corrupt party.
Debt-to-GDP was around 99% in 2004, despite more selling of state assets and stocks (especially profitable companies) and sustained growth rates of 4-5%.
During this period, PASOK initiated a tax-cut for corporations (from 45% down to 30-35%) despite the fiscal deficits which did not really allow such budgetary income losses.
(2004-2009 - Kostas Karamanlis as Prime Minister)
Kostas Karamanlis, the nephew of Konstantinos Karamanlis, was elected to "rebuild the state" in the contrast of prior corruption of PASOK governments. Instead of that, he went on to install people of his own party to the payroll of the public sector and public spending was increased heavily as a result. More corruption followed.
Selling of publicly held assets (stocks, state companies, ports, roads) took place in a similar rate to PASOKs government. In this period there were larger tax cuts for corporations (down to 25%) and the church (0%) - despite the deficits. Its estimated that more than 40 bn euros were lost in tax cuts of corporations, church and wealthy people during the decade 2000-2009.
Statistics were continued to be tampered and there was also an attempt to revise the GDP by 25.9% upwards. This would help make debts and deficits seem smaller, however Eurostat rejected the 25.9% claim and allowed a revision which was closer to 10%.
In 2009, seeing that the situation with the deficits was de-railing rapidly and that tough decisions had to be taken, Karamanlis opted for elections (knowing that losing was near certainty).
(2009 - 2010 - George Papandreou as Prime Minister)
George Papandreou, son of Andreas (founder of PASOK), had a pre-election program with a cost of approximately 10 billion euros... Papandreou claimed that, contrary to Karamanlis arguments that there is no money for expenditures, there were indeed a lot of money available!
According to Provopoulos, head of Bank of Greece, both Papandreou and Karamanlis knew that the deficit was approximately 7-8% with a tendency to hit 12% by years end. With hindsight, it was apparent that Papandreou consciously lied in order to be elected, knowing full well that his program was impossible.
He promised taxation fairness, help for the poor, reduction of tax-evasion and implementation of growth-policies that would make Greece pull out of the recession. He claimed that Karamanlis policies of indirect taxation, reduction of funding to public investments etc were catastrophic and that he would do differently.
What people got, was actually a lot more of those which were proclaimed as "catastrophic policies": VAT from 18 to 23%, gas prices from 1.05 euro per liter to 1.60 euro per liter, dramatic reduction in public investment (and theore reduced absorption of european support packages), wage cuts etc.
A more extensive article on Papandreous management of the crisis, will be posted on the following days.
ReadThe RestEntry..
Mitsotakis came in power through the social engineering priorly applied by Papandreou. People saw a financially ruined country where the private sector had to pay for hundreds of thousands of corrupt and counter-productive "workers" of the public sector. Having fed-up with the (masquarading as) socialist policies of PASOK, people thought that Nea Dimokratia would be the solution to their problem.
Having the consensus behind them, Nea Dimokratia and Mitsotakis, instead of limiting the government expenses, initiated the sell-off of state companies at prices way below what they costed - a scandalous move. People indeed wanted the rationalization of the public sector but did not tolerate well the sell-off of state-owned companies, which, solved nothing.
Since both these parties were/are controlled from globalist centers, and are both serving a longer-term agenda, it was probably assumed that after 8 years of "socialism" people would be pretty much ready to sell-off everything to international capital in order to save the economy. However that was not the case, and Mitsotakis fell from office.
Economically, by the end of 1993, the debt-to-GDP ratio had climbed to 110% (from 65% in 1989).
(1993-1995 - Andreas Papandreou as Prime Minister)
Papandreou was re-elected and, aside from the re-nationalization of the public bus transporation system, most policies regarding privatizations were kept, although modified. For example instead of selling the Greek telco (OTE) to other foreign companies (as Mitsotakis had planned), there was a plan to put the company in the stock market, so as to sell slices at a time.
From this, it was quite apparent that the socialist ideology was really non-existant and that there was a larger plan all-along, that would be followed no matter what the government was. It is now discussed widely that "what Nea Dimokratia cant do, PASOK does", which signifies the understanding that PASOK will eventually promote those rightist policies that ND will fail to promote (due to opposition).
By the end of 1995 the debt was a relatively stable 109%.
(1996-2000 - Costas Simits as Prime Minister)
Simitis was a former minister of Papandreou that took over when Papandreou was unable to continue due to health reasons. He then went to elections with a general proclamation to the effect: times are hard and thus I promise nothing. The word promise, in this case, is what people would expect as "the highest bid" in terms of government spending (wages, pensions etc).
Simitis, continued capitalistic, rather than socialist policies, although from that point onward it was just a matter of degree... PASOK was trying to keep a profile that would position it a bit more left than the right Nea Dimokratia.
During the first 4 years, it was a period of significant growth for the economy due to favourable conditions internationally, the use of banking capital to feed investments and consumption as well as the stock market boom that peaked in 1999. A lot of significant infrastrure was made or planned for later during this period, including the Olympics of 2004. Greece also entered the european monetary union (eurozone) during this period of time.
Simitis initiated a period of extensively tampering financial indexes in order to make the country look better than it was.
One known factor is how debts were camouflaged or time-shifted. One less-known, and consequently less reported, factor is how the GDP itself was over-reported. This had positive side effects in showing reduced deficits, debt-to-GDP ratios and increased GDP growth. The way this was achieved was by under-reporting inflation. Since real GDP is the growth of GDP minus inflation, by under-reporting inflation it was possible to show larger growth, larger real GDP, less deficits and debt-to-GDP ratio.
By 2000, debt had fell to 103%, although,
- since 1996, there were many billion euros of influx due to selling of state corporations (entirely, or slices - in the stock market). "Mysteriously", people in Greece had no problem when PASOK was selling profitable state corporations, while they were more opposed to it when Nea Dimokratia did the same.
- the government played with its own funds and pensioners money on the stock market (and lost quite a few) after the peak of 99.
- the government converted its external loans (yen and dollars) to the underpriced euro of that time (0.8 euros for a dollar vs 1.3+ euro for a dolar in 2003). In a sense, the government was betting against the euro rising - and lost, big time. This would lead to a loss of over 10 billion euros (in later years).
(2000-2004 - Costas Simits as Prime Minister)
People marginally re-elected PASOK in 2000, mainly because of fears that the stock market would go worse with Nea Dimokratia. People were betting en mass to the stock market during that period and so it proved a decisive factor.
In general, this period was not much different than the previous one, except, perhaps, widespread corruption and scandals coming to the surface. By 2004, PASOK was generally considered an extremely corrupt party.
Debt-to-GDP was around 99% in 2004, despite more selling of state assets and stocks (especially profitable companies) and sustained growth rates of 4-5%.
During this period, PASOK initiated a tax-cut for corporations (from 45% down to 30-35%) despite the fiscal deficits which did not really allow such budgetary income losses.
(2004-2009 - Kostas Karamanlis as Prime Minister)
Kostas Karamanlis, the nephew of Konstantinos Karamanlis, was elected to "rebuild the state" in the contrast of prior corruption of PASOK governments. Instead of that, he went on to install people of his own party to the payroll of the public sector and public spending was increased heavily as a result. More corruption followed.
Selling of publicly held assets (stocks, state companies, ports, roads) took place in a similar rate to PASOKs government. In this period there were larger tax cuts for corporations (down to 25%) and the church (0%) - despite the deficits. Its estimated that more than 40 bn euros were lost in tax cuts of corporations, church and wealthy people during the decade 2000-2009.
Statistics were continued to be tampered and there was also an attempt to revise the GDP by 25.9% upwards. This would help make debts and deficits seem smaller, however Eurostat rejected the 25.9% claim and allowed a revision which was closer to 10%.
In 2009, seeing that the situation with the deficits was de-railing rapidly and that tough decisions had to be taken, Karamanlis opted for elections (knowing that losing was near certainty).
(2009 - 2010 - George Papandreou as Prime Minister)
George Papandreou, son of Andreas (founder of PASOK), had a pre-election program with a cost of approximately 10 billion euros... Papandreou claimed that, contrary to Karamanlis arguments that there is no money for expenditures, there were indeed a lot of money available!
According to Provopoulos, head of Bank of Greece, both Papandreou and Karamanlis knew that the deficit was approximately 7-8% with a tendency to hit 12% by years end. With hindsight, it was apparent that Papandreou consciously lied in order to be elected, knowing full well that his program was impossible.
He promised taxation fairness, help for the poor, reduction of tax-evasion and implementation of growth-policies that would make Greece pull out of the recession. He claimed that Karamanlis policies of indirect taxation, reduction of funding to public investments etc were catastrophic and that he would do differently.
What people got, was actually a lot more of those which were proclaimed as "catastrophic policies": VAT from 18 to 23%, gas prices from 1.05 euro per liter to 1.60 euro per liter, dramatic reduction in public investment (and theore reduced absorption of european support packages), wage cuts etc.
A more extensive article on Papandreous management of the crisis, will be posted on the following days.
The Advantages Of Acquiring Of Debt Consolidation Loans
Far too many households are now in severe financial difficulty. The cost of living continues to grow on an annual basis, with a freeze in pay-checks, and more people being made redundant, it should not be a surprise to discover that millions of families are struggling to make ends meet. When you find yourself in financial hot water, it is important to keep calm and focused, there are options available that can turn the situation around. Debt consolidation services have already been used to help countless American families.
It is vital that you keep a close observation on your economic situation. Once a scenario has developed when funds are small, yet bills and dues are high, finding a solution can be extremely difficult. That being said, it is important to address any financial problem head on, the longer you delay, the more serious the situation will become.
To understand whether debt consolidation is an option worth considering, it would be useful to sit down and compile three lists. The first of these should be your households total income, the other two lists should contain details of essential expenses and the non-essential outlay. If the total outcome does not match the outlay, it would be necessary to cut back on items from the non-essential list. If after make some changes the figures still do not match, debt consolidation may be the best option to consider.
In basic terms, a consolidated loan is a large sum of money which is borrowed to pay off all other outstanding debts. What you are then left with is a single loan which is far easier to pay back.
Today, it is common to find people with many different loans and debts. If you have a mortgage, auto loan, personal loan, and credit cards, finding the capital to pay your debts on time can be a real challenge. Even calculating the amount due is not so simple. A consolidated loan is a lot simpler to manage.
If this is an option that is of interest to you, it is important to realize that not all consolidated loans are the same. There can be big differences in the interest rate charges, as well as the length of the payback term. Before signing up with a lender, spend a number of days researching the various options. It should not take you all that long to find the type of facility that best suits your current needs.
125 Home Equity Loans A Solution for Debt Consolidation
Debt consolidation, whether it be credit card debt consolidation, consolidation of bills or other loans or a combination of the three, is a growing trend. The promises that offers a 125% home loan as an unproblematic consolidation, more money, and the possibility of lower monthly installments are all very tempting, but is a 125% home loan right for you?
If you try a homeowner with relatively good credit, your finances need to be strengthened, can be the answeryes. Here are some facts to consider if this decision:
- Fixed Equity Loans
1. A 125% home loan allows you to borrow more money than your house is worth more than a traditional mortgage or inancing to meet. After eloan.com "where is your house worth $ 100,000 and your first mortgage is $ 90,000, you can borrow $ 30,000, for a total of $ 125,000 and shrink your monthly payments."
- Fixed Equity Loans
2.
The interest rate that you pay much more with your loan, whether you actually endlower monthly payments. The ideal situation would be to obtain secure a mortgage loan with a fixed interest rate or (APR) lender at Capital Resource Finance report estimated savings of up to three times more with a simple interest, fixed-rate loans to pay your debt to just make the minimum payments on their credit cards. This is because the interest rates for credit cards and other types of credit lines is compounded daily. Compound interest means that for every dayYour credit card has a balance, you will receive the payment on the interest rather than the balance owed directly to you. That adds up to more money for the credit card company, which is not to mention that it takes much longer for you to get out of debt.3. If you are not in a position at a fixed rate loan because of the less than perfect credit or other reasons, you will still have options. If you can qualify for a variable-rate loans, it can still save money in the long run, because yourInterest rates may have declined over time, and you can consolidate your bills.
4. Several companies offer loans loan programs for people without equity. Many lenders offer loan options corrupted, but only a few mortgage brokers, you can use sub-prime 2nd Mortgages. Also consider the possibility of a collective agreement or pre-qualifying online.
http://www.fixedequityloans.equitylinesite.com/125-home-equity-loans-a-solution-for-debt-consolidation/
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