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Finance > Insurance > Home Insurance

Posted by nick_niesen in Finance on October 29th Nationals Anthony Rendon Jersey , 2010

Getting a house of your own is a lifetime achievement and a home mortgage helps you in achieving this milestone much earlier than it would otherwise have been possible. In fact, the first home mortgage is also filled with a lot of emotion. A home mortgage is really something that makes dreams come true.

So let us start with understanding what a home mortgage actually is?

A home mortgage is something that allows you to buy a house even if you do not have enough money to pay for it right away. This is made possible by borrowing money from someone and paying it back in monthly installments. The person who lends you money is called the home mortgage lender. The home mortgage lender lends you money for a specific period (up to 30 years) during which you are expected to pay back the money in monthly installments. There are certain terms and conditions associated with the home mortgage agreement and these terms and conditions govern the home mortgage throughout its tenure. Among others, the most important thing is the interest rate that the home mortgage lender charges you. Interest charges are the means through which the mortgage lenders earns on this financial transaction called home mortgage. Most home mortgage lenders offer various home mortgage schemesoptions. The most important variation in these schemes is in terms of the interest rate and the calculations related to it. In fact, most home mortgage options are named after the type of interest rate used for that option. Broadly speaking Authentic Sean Doolittle Jersey , there are two types of home mortgage interest rates - FRM (fixed rate mortgage) and ARM (adjustable rate mortgage). For FRM, the interest rate is fixed for the entire tenure of the home mortgage loan. For ARM, as the name suggests the home mortgage rate changes or adjusts throughout the tenure of the home mortgage. This change or adjustment of mortgage rates is based on a pre-selected financial index like treasury security (and on the terms and conditions agreed between you and the mortgage lender). That is how mortgage works.

No matter what type of home mortgage you go for, you always need to pay back the entire home mortgage loan (with interest) to the mortgage lender. Failing to pay back the mortgage lender can result in foreclosure on your home and the mortgage lender can even auction it off to recover the remaining debt.

Therefore Authentic Joe Blanton Jersey , home mortgage is a wonderful means of getting into your dream home much earlier in your life. Without this concept, you would have to wait for a long time for getting into that dream home. Really, a home mortgage is one of the best concepts from the world of finance.

by Yasir al-Hamdani, Jamal Hashim

MOSUL Authentic Gio Gonzalez Jersey , Iraq, Dec. 31 (Xinhua) -- Journalists in the Iraqi northern city of Mosul described 2013 as the worst year for their career as seven of their colleagues have been murdered by militant groups.

"I was doing interviews with people preparing for an upcoming religious holiday at an old marketplace in the central of the city when gunmen shot dead my colleagues Mohammed Ghanim and Mohammed Karim who work with me in al-Sharqiyah satellite channel," Ahmad al-Haiyali, who works now with Radio Sawa Authentic Stephen Strasburg Jersey , told Xinhua.

"I was shocked and terrified, I was so close. I really thought I should leave the job, but couldn't because we should not give up to the killers. Instead, a few hours later I went to the channel office and interviewed my colleagues about the incident and they were all shocked Authentic Matt Wieters Jersey ," Haiyali said.

"About a month later we had another journalist killed, as well as female presenter Nawras al-Nuaimi," he said.

Most of journalists in Mosul have left the city to other provinces or even to the neighboring countries. Those who remain in the city have to take their own precautions.

"I usually avoid leaving my house as possible as I can and if I have any doubt that I could be targeted by the gunmen, I leave to nearby cities where nobody knows me to do some writings or even cover some regular news by telephone Authentic Jayson Werth Jersey ," he said.

Not only the gunmen threat the journalists in Iraq, but also security forces who sometimes do not allow journalists to cover politically sensitive topics.

"I can't forget what happened to me two years ago when I was covering anti-government demonstrations in Mosul. About nine troops beat me hard and dragged me inside a government building just because I was shooting them beating protesters," he said. "I yelled that I am a journalist but in vain."

Ibrahim al-Sarraji, head of Iraqi association to defend journalists' rights Authentic Shawn Kelley Jersey , told Xinhua that gunmen attacks against journalists have relation with the deteriorated security situation in Mosul.

"The association noticed that during the last three months of 2013 a total of five journalists have been killed and one wounded, and we have registered that most of the journalists in the city have received threats from unknown parties through their mobile phones or their emails," Sarraji said.

Sarraji's watchdog also registered that all the attacks against the journalists in Iraq went in apparent impunity, in a similar way to that crimes that occurred against the journalists since 2003.

"Such crimes with impunity deepen the concerns of the association from the reckless and incompetent investigation by the security forces in which always the culprits remain unknown Authentic Adam Lind Jersey ," he said.

Falah al-Hassani, a local journalists who survived an assassination attempt told Xinhua about his experience, saying that two years ago, he was sitting around noon in his car in eastern Mosul waiting for his relative Authentic Ryan Zimmerman Jersey , when suddenly a "car parked beside me and someone opened fire on me with his pistol."

"I got six shots in different parts of my body, but it was a miracle that I survived the attack," Hassani said.

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