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A mortgage loan is a mortgage-secured loan. The term mortgage refers to a security interest in real property, which is held by the lender that extended the loan. It is a loan where you pledge an asset, usually a home, as collateral to secure the loan. This means you give the lender the right to take the asset away if you fail to repay the loan according to the terms on the contract. The most common use of a mortgage loan is to purchase a home. Technically, the correct term is 'mortgage backed loan'. The term mortgage actually refers to a document that pledges the home as collateral and is a separate document from the promissory note in which you promise to repay the loan. Most people do not have enough money to purchase a house with cash, so they finance part or almost all of it with a loan. At the time the lender (bank, credit union) pays out the cash for the home purchase, it also makes the borrower sign a mortgage, which is then recorded in the real estate rec

For Life insurance, you need to cover 3 areas if applicable: 1) Critical -Death, Total & Permanent Disability, Critical illnesses 2)Disability Income 3)Medical (Hospital & Surgical) Buying insurance is to buy a sum of money that one will recieve if anything unfortunate happens to one. It is to alleviate the finanicial loss. To ask if it is neccessary, ask yourself if you or your dependant can afford a $XXXX amount if any happens to you: Eg A [1) Critical ]: if one has suffer from critical illness, i) he needs to fork up medical & other fees not payable by medical insurance, ii)he still need to provide his depedents living expenses/lifestyle for next X no of years, iii)any other cost eg loans. If the total $$ he calculated from i), ii) & iii) is $300000 and he only has total of $80000 in ready assets and insurance, then he and his family might have finanical problem on top on emotional problem if critical illness happens to him. Eg B [2) Disabili

Is any other food or drink reported to have as many health benefits as green tea? The Chinese have known about the medicinal benefits of green tea since ancient times, using it to treat everything from headaches to depression. In her book Green Tea: The Natural Secret for a Healthier Life, Nadine Taylor states that green tea has been used as a medicine in China for at least 4,000 years. Today, scientific research in both Asia and the west is providing hard evidence for the health benefits long associated with drinking green tea. For example, in 1994 the Journal of the National Cancer Institute published the results of an epidemiological study indicating that drinking green tea reduced the risk of esophageal cancer in Chinese men and women by nearly sixty percent. University of Purdue researchers recently concluded that a compound in green tea inhibits the growth of cancer cells. There is also research indicating that drinking green tea lowers total cholesterol levels, as we