Submitted by: Dawie Bester
SA Home Loans was launched in South Africa in February 1999 and is like a short with a kick next to the big beer of the financial world; some of the top-rated banks have been operating since the 1800 s but SA Home Loans is new, young, funky and fresh; very fresh.
So why choose an SA Home Loans? In the company s own words: against formidable competitors, we have grown to become the country s fifth largest home loans provider. That s impressive by anyone s standards, if you ll excuse the subtle pun.
SA Home Loans is not a bank and not a mortgage originator. A mortgage originator sources home loans from various financial companies and get paid a commission. But SA Home Loans is a specialist mortgage provider. So, what s the difference? Well, you go to your GP for your annual check-up and then he sends you to a specialist SA Home Loans is the specialist. And it s proudly South African.
Now, let s take a longer look at some of SA Home Loan s wide range of competitive home loan offerings, add-ons, insurance and equity access products. These include:
– Variable Home Loan
– Interest Only
– Interest Only
– Quick Cash
– Further Loan
– Rapid Re-Advance
– Further Re-Advance
– Cap Rate
– Home Owner’s Cover
– Bond Protection Plan
Variable Home Loan
This loan has a variable rate and can be tailored to suit your personal needs. The huge benefit in selecting a Variable Home Loan is that you can switch to another home loan option instantly free of charge. Its flexibility makes this the mother of all home loans. Switch to SA Home Loans and you can get R75,000 in cash within 72 hours immediately after you ve signed the mortgage agreement.
Super-Lo Home Loan
This home loan option is based on a cash-back incentive programme. You will receive interest refunds into your home loan during the first five years which lower your mortgage balance so you ultimately pay less interest.
South Africa s unique Only Interest Home Loan
With this exclusive home loan option you get to pay ONLY the interest on your home loan. You can choose to include a capital pay-off, a portion thereof, or not. Once again, you can also switch loan options free of charge.
Varifix Home Loan
SA Home Loans lets you fix the interest rate on your home loan for up to 20 years. The benefit of the Varifix Home Loan is that you get to choose the portion of your home loan to fix; the rest remains variable. Best of all, you can revert at any time to a standard variable interest rate loan.
Allows you to access up to R75,000 in cash within 72 hours and spend the money on anything you like.
This is an option to borrow money against the increased value of your property. If the market is booming and your house becomes a property gold mine, you can borrow money against the increased value. The fact is that borrowing against your home loan is usually the cheapest credit you can get. Take advantage of it.
This option secures cash when you have paid more than your agreed installments.
Further Advance lets you borrow funds over and above your original loan as long as it s an amount less than the original registered loan amount.
Protect yourself against rising interest rates with insurance that allows you to cap your interest rate for two years so you are never faced with monthly repayments that are burgeoning out of control. With the Cap Rate option your home loan rate is guaranteed not to rise about your cap.
Home Owner’s Cover
Don t go anywhere without Home Owner s Cover to protect your property against unexpected disasters, like fires or floods.
Bond Protection Plan
Ever tossed and turned wondering what would happen if you were disabled or died? You, and more importantly your family, are protected against the possibility of repossession when you take out a mortgage protection plan.
SA Home Loans is South Africa s largest non-bank mortgage lender. The primary benefit in taking out an SA Home Loan is knowing it can accommodate you – first-time home buyer or weary over-extended family man.
About the Author: The author provides
for all South African individuals in seek of a mortgage. To read more on
SA Home Loans
News briefs:June 9, 2010
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Wikinews interviews Jeff Jacobsen, creator of LisaMcPherson.org
Tuesday, February 19, 2008
On Sunday, Wikinews interviewed creator of memorial site LisaMcPherson.org, former Lisa McPherson Trust employee and long time Scientology critic Jeff Jacobsen.
LisaMcPherson.org is a memorial site created in 1997 containing information on her death and the resulting legal case against the Church of Scientology.
Lisa McPherson died in 1995 while in the care of the Church of Scientology. After a car accident, she became mentally unstable. Scientologists removed her from the hospital and placed her in the Introspection Rundown, she died 17 days later while still in care of the Church. She was used as an icon during Project Chanology, the protest of the Church of Scientology by Anonymous. Protesters were pictured with signs that said “Remember Lisa McPherson” and “Ask Scientology Why Lisa McPherson Died”, other protesters had posters with her picture on it.
Wednesday, July 6, 2005
Joshua J. Goyette allegedly confessed to breaking into a Saxonburg, Pennsylvania retirement home and beating 86-year-old Gertrude “Trudy” Johanson in the early morning of June 25, 2005. The crime, which shocked the small community north of Pittsburgh, was not the only one which occurred recently at area retirement homes. Goyette is also suspected in a May incident where another apartment at the Commons of Saxonburg was broken into through a first floor window and the 90-year-old woman inside was groped while she slept.
Goyette, 25, has addresses listed in court documents in New Bedford, Massachusetts; and in Saxonburg, Pennsylvania, his mother’s home.
The alleged confession was given last Thursday, June 30, 2005, in New Bedford, Massachusetts, to Pennsylvania state police investigators. Goyette is currently being held in the Butler County prison in lieu of $300,000 cash bond. He faces charges of attempted homicide, aggravated assault, burglary and criminal mischief.
By William F. Gabriel
If you are planning to surprise your family with a perfect getaway, then tent camping is the best activity for them. This is the best way to reward them and not just the conventional out-of-town trips. Sometimes even if the trip is extravagant, it turns out to be boring because of the ordinary activities that they have. But if you allow them to see another setting, kids will surely be very interested on it. So bringing them to an extraordinary outdoor adventure is really a great option. But of course, you need to secure the camping accessories so everything will be in order.
Normally, the problem that you have to deal with in this type of activity is the gears that should be brought along. Tent camping requires camping accessories so that the stay will be comfortable and convenient. Even if there are no kids and exclusive for adults, complete camping gears are necessary so you can survive the entire trip. Just try to imagine going on camping without having tents, sleeping bags, flashlights and other tools, isn’t it terrible? Your goal here is to experience another kind of vacation but this time in a totally different environment, somewhere close to nature so you have to bring all the tools to protect you.
After securing the gears, the next thing you need to tackle is the location. Then again there are certain factors that must be considered when finding the right location for your tent camping. If you will bring along your kids, the place should not be that dangerous and hard to reach. Maybe base camping is a great alternative, wherein you no longer have to hike to be able to reach the camp site. Do not go on to the woods since the trail might be too dangerous for the kids. Location near the beach or river is another great suggestion. You can try to browse the net for nice and lovely camp site. There are a lot of destinations that you can find which will not require rigid traveling for the family.
When you have found the right location for your tent camping and you have already secured all the camping accessories, the schedule for the activity will come next. The best time to camp is during summer season. This is when kids do not have classes and the weather is not hard when you go hiking and trekking. No need to deal with cold weather and rain showers while you are on the way to the camp site. With the bright and shiny sun, the travel time will definitely become an unforgettable experience for everyone. And the good thing is, if you are camping near the beach or river, it will really be nice to go for a swim. Relaxing in the water is a great way to relieve all the stress and pressure from your work. Another great form of quality time to spend with your kids. You are like having two activities at one time. Having tent camping and swimming at the same time. This is really a nice vacation for everybody.
Camping is really a good bonding activity not just for families but for friends too. By bringing along the required camping accessories, your tent camping will definitely become the most memorable experience for everyone.
About the Author: William F. Gabriel gives practical tips on choosing the right
Saturday, September 15, 2007
Mark Grenier is running for the Green Party of Ontario in the Ontario provincial election, in the Welland riding. Wikinews’ Nick Moreau interviewed him regarding his values, his experience, and his campaign.
Minor alterations not affecting the content have been made to this interview; the original text is available by clicking on the tab marked “Collaboration” for.
Stay tuned for further interviews; every candidate from every party is eligible, and will be contacted. Expect interviews from Liberals, Progressive Conservatives, New Democratic Party members, Ontario Greens, as well as members from the Family Coalition, Freedom, Communist, Libertarian, and Confederation of Regions parties, as well as independents.
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Things To Consider Before Buying Business Insurance
One of the top considerations upon building a business, whether or not you start small, is to purchase insurance. Business insurance basically provides financial protection for potential loss and damages caused by unforeseen accidents.
Purchasing insurance is an important step for ensuring the growth of your business as you face tough challenges every day. However, with the hundreds of alluring insurance offers via online and sales agents, it is important you choose for insurance that best suits your needs. To make your business protected today and tomorrow, listed below are some things that you may consider in buying business insurance.
Know the type of insurance that you need
Business insurance is a general term that can be broken down into a list of nine types of insurance policies. These include property insurance, casualty insurance, liability insurance, commercial auto insurance, workers compensation, business interruption, health insurance, and life and disability insurance. Your choice of insurance may depend on the type of business, location, and size of company. For instance, if you are located in a place where earthquake and tornado frequently occur, obtaining calamity insurance is a wise choice.
Consider Business Owner Policy (BOP)
Oftentimes, business owners would look for the cheapest insurance possible that they can get for their business. One of the best ways to save is to consider business owners\\’ policy (BOP). Buying separate policies from different insurers can result t higher premiums. On the contrary, BOP combines typical coverage options including property, general liability, vehicles, business interruption and other types of coverage common to most types of businesses.
Assess your risk
Before issuing policies, insurance companies firstly the level of risk associated with your business, such as the business location, type of building, local fire protection services, and the amount of insurance you purchase. Depending on the risk, the company may or may not provide all that is being requested of the coverage. The higher your risk is, the higher you pay for the premium.
Avoid picking the very first insurance that comes in your way. It should be noted that the extent and cost of coverage for insurance policies vary from one company to another. Looking into other options gives you chance to compare which policy is more suitable for your business. Aside from sales agents, you can also look for insurance companies online and get quotes in an instant.
Find a Reputable, Licensed Agent
Should you consider a broker or a sales agent, make sure that they come from a trustworthy company. A good and reliable company should have good feedback from previous customers. Upon understanding the risks associated with your company, licensed commercial brokers and sales agent can help you find policies that match your business needs.
Louise Collins writes articles on different types of business insurance. If you are looking for insurance for your fleet business why not
for a company who can provide your company with quotes for your motor fleet vehicles.
Wednesday, November 4, 2015
The Volkswagen emissions scandal continued yesterday with the company announcing 800,000 mainly diesel vehicles may also be affected by carbon dioxide emissions problems.
The company stated “the safety of the vehicles is in no way compromised”. They estimated potentially this could cost them €2bn on top of the €6.7bn set aside to pay for the cost of correcting 11 million cars affected when the scandal broke, in addition to fines by regulators.
This follows Monday’s revelation that the emissions scandal has affected up to 10,000 vehicles sold in the USA by brands in the Volkswagen group, although the company refutes the allegation. The United States Environmental Protection Agency (EPA), the regulatory body which has been investigating Volkswagen, claims the company fitted a number of recent Audi, Porsche, and Volkswagen models with technology that initiates secret components during emission tests to ensure the results are favourable.
The scandal began with damaging revelations that the car manufacturer has been using illegal software to enable diesel cars to cheat on mandatory emissions tests. This lead to a public apology on September 20 by then-chief executive Martin Winterkorn and the promise of an outside inquiry. He then resigned on September 23, and was replaced by Matthias Müller. The new allegation about Porsche is of particular concern for Müller, because he had previously been in charge of Porsche.
The company is expected to foot the bill for the recall of close to 500,000 VW and Audi cars affected at the time. There is also the possibility of Volkswagen having to pay federal fines of up to US$18 billion dollars because the US Clean Air Act sets a maximum fine of US$37,500 for each vehicle that contravenes the requirements of the Act.
An investigation into alleged breaches of environmental law was originally initiated on the advice of the International Council on Clean Transportation, a European non-governmental organisation. The EPA requested tests be carried out by West Virginia University, where the secret software was discovered.
The software, known as a “defeat device”, enabled cars to identify when they were being tested and to switch on the emission control system. The devices may have been adding urea to the car exhaust because that would reduce the amount of nitrogen dioxide. The car would release a fraction of the nitrogen oxide compared to when they were being driven normally. Emissions of nitrogen oxide contribute to smog and are thought to have caused a rise in respiratory illnesses like asthma.
Thursday, March 5, 2009
US stock markets dropped to twelve-year lows on Thursday, amidst falling confidence in the financial sector and worries over whether the US automobile manufacturer General Motors will be able to keep operating.
The Dow Jones Industrial Average dropped by 4.08%, or 280.52 points, at the closing bell, reaching a level of 6595.32, a new 12-year low. The Nasdaq Composite lost 54.15 points, or 4%, to 1299.59, while the Standard & Poor’s 500 plunged by 30.27 points, or 4.25%, closing at 682.60.
Every stock in the Dow Jones, other than Wal-Mart, either lost ground or remained even, and all stocks in the S&P 500 index lost ground.
General Motors’ shares lost 15.5% after the auto firm announced that its auditors had “substantial doubt” over whether it would be able to keep operating.
Shares of financial companies were lower by nine percent, with Bank of America losing 11.7% and Citigroup falling by 9.7%.
“What’s most worrisome is that we haven’t hit the crescendo yet,” said Bill Groeneveld, the head trader for vFinance Investments. “Asset-management divisions are getting calls to just liquidate everything, and we haven’t seen the big players come back in at all.”
“This is one of the worst bear markets in the last 100 years; it started out with the credit crisis and the subprime [loans], but it is like a forest fire that has raced across the clearing and ignited other parts: Autos, auto parts, the insurance companies have been hit very hard. The credit crisis is causing an unraveling of industry after industry because the banks don’t lend,” said David Dreman, the chief investment officer of Dreman Value Management.
European markets were also lower today, with the London’s FTSE index losing 3.2% and the DAX index of Germany falling by five percent.