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A secured loan is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan. A mortgage loan is a very common type of debt instrument, used by many individuals to purchase housing. In this arrangement, the money is used to purchase the property. The financial institution, however, is given security - a lien on the title to the house - until the mortgage is paid off in full. If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.

In some instances, a loan taken out to purchase a new or used car may be secured by the car, in much the same way as a mortgage is secured by housing. The duration of the loan period is considerably shorter - often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. A direct auto loan is where a bank gives the loan directly to a consumer. An indirect auto loan is where a car dealership acts as an intermediary between the bank or financial institution and the consumer. A type of loan especially used in limited partnership agreements is the recourse note. A stock hedge loan is a special type of securities lending whereby the stock of a borrower is hedged by the lender against loss, using options or other hedging strategies to reduce lender risk. A pre-settlement loan is a non-recourse debt, this is when a monetary loan is given based on the merit and awardable amount in a lawsuit case. Only certain types of lawsuit cases are eligible for a pre-settlement loan. This is considered a secured non-recourse debt due to the fact if the case reaches a verdict in favor of the defendant the loan is forgiven. Unsecured Unsecured loans are monetary loans that are not secured against the borrower's assets. These may be available from financial institutions under many different guises or marketing packages:

* credit card debt
* personal loans
* bank overdrafts
* credit facilities or lines of credit
* corporate bonds

The interest rates applicable to these different forms may vary depending on the lender and the borrower. These may or may not be regulated by law. In the United Kingdom, when applied to individuals, these may come under the Consumer Credit Act 1974.

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7. Nauris Investments

The term "investment" is used differently in economics and in finance. Economists refer to a real investment (such as a machine or a house), while financial economists refer to a financial asset, such as money that is put into a bank or the market, which may then be used to buy a real asset.

Business management
The investment decision (also known as capital budgeting) is one of the fundamental decisions of business management: Managers determine the investment value of the assets that a business enterprise has within its control or possession. These assets may be physical (such as buildings or machinery), intangible (such as patents, software, goodwill), or financial (see below). Assets are used to produce streams of revenue that often are associated with particular costs or outflows. All together, the manager must determine whether the net present value of the investment to the enterprise is positive using the marginal cost of capital that is associated with the particular area of business. In terms of financial assets, these are often marketable securities such as a company stock (an equity investment) or bonds (a debt investment). At times the goal of the investment is for producing future cash flows, while at others it may be for purposes of gaining access to more assets by establishing control or influence over the operation of a second company (the investee).

Economics
In economics, investment is the production per unit time of goods which are not consumed but are to be used for future production. Examples include tangibles (such as building a railroad or factory) and intangibles (such as a year of schooling or on-the-job training). In measures of national income and output, gross investment (represented by the variable I) is also a component of Gross domestic product (GDP), given in the formula GDP = C + I + G + NX, where C is consumption, G is government spending, and NX is net exports. Thus investment is everything that remains of production after consumption, government spending, and exports are subtracted. Both non-residential investment (such as factories) and residential investment (new houses) combine to make up I. Net investment deducts depreciation from gross investment. It is the value of the net increase in the capital stock per year. Investment, as production over a period of time ("per year"), is not capital. The time dimension of investment makes it a flow. By contrast, capital is a stock, that is, an accumulation measurable at a point in time (say December 31). Investment is often modeled as a function of Income and Interest rates, given by the relation I = f(Y, r). An increase in income encourages higher investment, whereas a higher interest rate may discourage investment as it becomes more costly to borrow money. Even if a firm chooses to use its own funds in an investment, the interest rate represents an opportunity cost of investing those funds rather than lending out that amount of money for interest.

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8. Smart Offshore Business

Although most offshore financial centres originally rose to prominence by facilitating structures which helped to minimise exposure to tax, tax avoidance has played a decreasing role in the success of offshore financial centres in recent years. Although most offshore financial centres still charge little or no tax, the increasing sophistication of onshore tax codes has meant that there is often little tax benefit relative to the cost of moving a transaction structure offshore.

Most professional practitioners in offshore jurisdictions refer to themselves as being "tax neutral", referring to the fact that, whatever tax burdens the proposed transaction or structure will have in its primary operating jurisdiction or market, having the structure based in an offshore jurisdiction will not create any additional tax burdens.

For example, international joint ventures are often structured as companies in an offshore jurisdiction when neither joint venture party wishes to form the company in the other party's home jurisdiction, but both parties wish to ensure that the company's jurisdiction of incorporation will not attract unwanted tax consequences.

Many offshore financial centres used to "ring fence" offshore companies formed in those jurisdictions (International Business Companies formed in the British Virgin Islands were a good example).

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9. The highstreet web - bringing you the UK's favourite shops and websites.

Traffic Smart helps visitors find what they are looking for on the World Wide Web by enabling them to reach other third-party sites that have advertised with Traffic Smart by clicking on hypertext-linked Banners, Keywords, Search listings or Menu Buttons published on the Web Site. We may also offer additional free content on the Web Site from time to time (including news, weather etc.) provided by third parties.

Traffic Smart uses reasonable efforts to ensure the accuracy or content and availability of links on the Web Site. However, Traffic Smart does not control or take any responsibility for the content, accuracy, capability, safety, availability, legality or quality of items available on or through advertisers' web sites or any third parties' web sites that may be accessed directly or indirectly via this Web Site, and is not liable or responsible for any actions you might take in reliance on the content of any such web site or this Web Site.

Traffic Smart does not control or take any responsibility for any transactions between you and such sites (including as to personal data, confidential information or purchases of goods or services). Nothing contained in the Services is an offer or promise by Traffic Smart or any advertiser to sell any product or service for a specific price or on any specific terms, and Traffic Smart does not guarantee the price, performance, terms, product, availability, information and/or services offered by any advertiser. In the event of any dispute with any advertiser or other third-party, you hereby release to the fullest extent allowable by law, Traffic Smart (and all Traffic Smart's directors, employees, agents, content providers and service providers) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes.

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The highstreet web brings you thousands of great deals from the UK's favourite websites, including price comparisons of over 1.5 million product offers from hundreds of merchants. Visit today to compare offers,or just browse around the highstreet. search, Today,News, Weather,TV Guide, Horoscope,Quick links, Computers,Dating, Entertainment,Finance, Health and Fitness,Holiday and Travel, Internet,Jobs and Business, Mobile Phones,Motoring, Property,Shopping, Feedback,search engine, prices,price comparison

10. The Magazine Group

The Magazine Group offers you great savings on nearly 400 of the UK's leading titles. Enter a magazine name or keywords into the search box above or browse the links on the left and right to find the perfect subscription for you.

Who are The Magazine Group?
We work with the UK's best magazine publishers to give you a fantastic choice of magazines, at the best prices.

Why have I received this offer?
As you are someone who enjoys a really good, intelligent and entertaining read, we thought you'd like to see this selection of top quality magazines.

Who will send me my magazines?
As soon as your order has been received you will be sent an acknowledgement letter from The Magazine Group. This letter will give you full details of the publisher who will send you your magazines, as well as your Customer Service contacts should you have any queries during your subscription. You will also receive a welcome letter from the publisher of the magazine/s you have ordered.

http://www.magazine-group.co.uk

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