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    Nowadays, we can especially feel the speed - and at the same time - the lack of time in our lives. • Saddle Up, Then Drink Up - Trot through the serene Saratoga foothills on a guided horseback ride at Garrod Farms. Barrel down the Barracuda Blaster, dart through the Dragon's Den, and shoot down the Sidewinder before recuperating with a long, relaxing float down the Endless River. It was a full house at the Cool Comedy, Hot Cuisine auction for the Scleroderma Research Foundation (SRF) as Bob Saget and other celebrity guests joined for a night of fundraising at the Beverly Wilshire Hotel in Los Angeles on Friday.


    Consolidating your debt good idea

    Debt consolidation means taking out a new loan to pay off a number of liabilities and consumer debts, generally unsecured ones.In effect, multiple debts are combined into a single, larger piece of debt, usually with more favorable pay-off terms: a lower interest rate, lower monthly payment or both.Direct consolidation loans are now the only type of federal student consolidation loan.Under the Direct Loan Consolidation Program, you can consolidate Subsidized and Unsubsidized Stafford Loans, Supplemental Loans for Students (SLSs), Federally Insured Student Loans (FISLs), PLUS Loans, Direct Loans, Perkins Loans, Health Education Assistance Loans (HEALs), and just about any other type of federal student loan.However, there are specific instruments called debt consolidation loans, offered by creditors as part of a plan to borrowers who have difficulty managing the number or size of their outstanding debts.

    You will lose your rights under the federal loan programs once you choose to consolidate with a private lender.

    Loans that are not eligible for consolidation include state or private loans that are not federally guaranteed.

    Although all of these different loans may be consolidated, you must have at least one outstanding FFEL or Direct Loan to obtain a Direct Consolidation Loan.

    In fact, many people did that back before the mortgage crisis because lenders allowed homeowners to refinance and cash out as much as 110 percent of the value of their homes. “In the mid-2000s, people used their house as a piggy bank.

    They were taking out home equity like it was nothing, and many of them got in to trouble,” says Scott Halliwell, certified financial planner with USAA, a Fortune 500 company serving the military and their families with insurance, banking, and investment products.

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