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Debt consolidation-bikahthohaunaihin

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Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.

Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, most commonly a house. In this case, a mortgage is secured against the house. The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.

Sometimes, debt consolidation companies can discount the amount of the loan. When the debtor is in danger of bankruptcy, the debt consolidator will buy the loan at a discount. A prudent debtor can shop around for consolidators who will pass along some of the savings. Consolidation can affect the ability of the debtor to discharge debts in bankruptcy, so the decision to consolidate must be weighed carefully.

Debt consolidation is often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest rate than even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral. Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest.

Contents [hide] 1 Student loan consolidation 1.1 United States 1.2 United Kingdom 2 Concerns 3 Alternatives 4 See also 5 References 6 External links

[edit] Student loan consolidation

In the United States, federal student loans are consolidated somewhat differently than in the UK, as federal student loans are guaranteed by the U.S. government.

[edit] United States

In a federal student loan consolidation, existing loans are purchased by the Department of Education . Interest rates for the consolidation are based on that year's student loan rate, which is in turn based on the 91-day Treasury bill rate at the last auction in May of each calendar year.^{[citation needed]}

Student loan rates can fluctuate from the current low of 4.70% to a maximum of 8.25% for federal Stafford loans, 9% for PLUS loans.^{[citation needed]} Upon consolidation, a fixed interest rate is set based on the then-current interest rate. Reconsolidating does not change that rate. If the student combines loans of different types and rates into one new consolidation loan, a weighted average calculation will establish the appropriate rate based on the then-current interest rates of the different loans being consolidated together.

Federal student loan consolidation is often referred to as refinancing, which is incorrect because the loan rates are not changed, merely locked in. Unlike private sector debt consolidation, student loan consolidation does not incur any fees for the borrower; private companies make money on student loan consolidation by reaping subsidies from the federal government.

Student loan consolidation can be beneficial to students' credit rating, but it's important to note that not all federal student loan consolidation companies report their loans to all credit bureaus.^{[citation needed]}

[edit] United Kingdom

In the UK Student Loan entitlements are guaranteed, and are recovered using a means-tested system from the students future income. Student Loans in the UK can not be included in Bankruptcy, but do not affect a persons credit rating because the repayments are recovered from the students future salary at source by the employer before any income is paid, similar to Income Tax and National Insurance contributions. Many students however, are struggling with debt well after their courses have finished

The level of personal debt in the UK has also risen astonishingly in recent years:

"Total UK personal debt at the end of February 2008 stood at £1,421bn. The growth rate increased to 8.9% for the previous 12 months which equates to an increase of £111bn. ^[1]

[edit] Concerns

In recent years, reports in the media have raised concerns about the use of consolidation loans.^[2] The worry is that many people are tempted to consolidate unsecured debt into secured debt, usually secured against their home. Although the monthly payments can often be lower, the total amount repaid is often significantly higher due to the long period of the loan. Debt consolidation sometimes only treats the symptoms of debt and does not address the root problem. In some circumstances, snowballing debt may be a better solution.

[edit] Alternatives

Other options available to overburdened debtors include credit counseling, debt settlement and personal bankruptcy. Some consolidation lenders will renegotiate with the creditors on the debtor's behalf, as a credit counselor does.

[edit] See also

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Best Gold Mining Stocks for Gold Investors

There are several prominent hedge fund managers who expressed skepticism over Fed’s monetary policy over the past couple of years. John Paulson made around $5 billion in 2010, thanks to his gold investments. Jim Rogers has been a vocal advocate of commodities, saying they will go up no matter what happens in the economy. Ray Dalio, the owner of world’s largest hedge fund, is extremely bullish about gold and emerging markets.

Hedge funds follow various strategies to benefit from increase in gold prices. Hedge fund managers such as David Einhorn bought physical gold. George Soros, Dan Loeb and Stephen Mandel prefer Gold ETF (GLD). John Griffin, Roberto Mignone, Brevan Howard, and Curtis Schenker like Gold Miners ETF (GDX). GDX outperformed the GLD by more than 5 percentage points over the past 12 months. However, we believe gold speculators who are certain that gold prices will keep increasing over the next five years can do better by constructing a portfolio of gold miners with higher expected growth rates or giving a higher weight to smaller gold miners. An equally-weighted portfolio of the following stocks would have returned 48% over the past 12 months, beating both GLD and GDX by a large margin. Here are the top gold miners and their recent performance:

Barrick Gold Corporation (ABX): ABX has a market capitalization of $52.2 billion and a trailing P/E ratio of 15.6x. It’s expected to earn $4.15 per share in 2012. ABX gained 40% during the past 12 months and had a 320.7% quarterly earnings growth.

Goldcorp Inc. (GG): Goldcorp has a market capitalization of $39.2 billion and a trailing P/E ratio of 23x. It’s expected to earn $2.08 per share next year. GG returned 32% over the last 52 weeks and its quarterly earnings increased by 397.5% over the same period last year.

Newmont Mining Corp. (NEM): NEM has a market capitalization of $26.7 billion, which shows a trailing P/E ratio of 11.9x. It’s expected to earn $2.24 per share in 2012. NEM gained 11% during the last year and had a 45.5% quarterly earnings growth.

AngloGold Ashanti Ltd. (AU): AngloGold has a market capitalization of $17.9 billion. AU shows a trailing P/E ratio of 185.3x and it’s expected to earn $1.69 per share in the next year. The company gained 27% during the last 12 months and had a year-over-year quarterly earnings growth rate of -87.3%.

Kinross Gold Corporation (KGC): KGC has a market capitalization of $18.4 billion and a trailing P/E ratio of 17.4. The stock is expected to earn $0.99 per share next year. KGC lost 2% over the last 12 months, and had a -10.7% quarterly earnings growth over the last year.

Gold Fields Ltd. (GFI): GFI, based in Sandton, South Africa, has a market capitalization of $12.1 billion. It has 78 million ounces of mineral reserves and 281 million ounces of mineral resources. GFI has a trailing P/E ratio of 72.05x and gained 42% during the last 52 weeks.

Randgold Resources Ltd. (GOLD): GOLD has a market capitalization of $6.9 billion, and a trailing P/E ratio of 67.5x. The stock is expected to earn $0.50 per share in 2012. Randgold returned 5% during the last year and its quarterly earnings declined by -16.5% year-over-year.

Harmony Gold Mining Co. Ltd. (HMY): Harmony Gold has a market capitalization of $6 billion. HMY shows a trailing P/E ratio of 248.9x. It’s expected to earn $0.44 per share next year. Harmony Gold returned 56% over the last 12 months and its quarterly earnings increased by 170.3% over the same period last year.

Agnico-Eagle Mines Ltd. (AEM): AEM has a market capitalization of $11.4 billion and AEM shows a trailing P/E ratio of 34x. Next year, it’s expected to earn $0.55 per share. AEM returned 25% over the past year and had a 83.5% quarterly earnings growth.

Compania de Minas Buenaventura SA (BVN): BVN has a market capitalization of $11.1 billion, showing a trailing P/E ratio of 17.09x. It’s expected to earn $0.96 per share in 2012. BVN returned 56% over the last year and its quarterly earnings growth rate is 17.2%.

Yamana Gold, Inc. (AUY): Yamaha Gold has a market capitalization of $9.2 billion and a trailing P/E ratio of 20.4x. AUY is expected to earn $0.75 earn per share in 2012. AUY returned 29% during the past 12 months and had a 343.5% quarterly earnings growth rate.

IAMGOLD Corp. (IAG): IAG has a market capitalization of $8.4 billion. It has a trailing P/E ratio of 30.2x and it’s expected to earn $0.47 per share in 2012. IAG, located in Toronto, Canada, returned 71% over the last year.

Eldorado Gold Corp. (EGO): EGO has a market capitalization of $8.9 billion. EGO shows a trailing P/E ratio of 43x. It’s expected to earn $0.52 per share in 2012. Eldorado Gold returned 34% during the last 52 weeks, which had a 32% quarterly earnings growth.

Silver Wheaton Corp. (SLW): Silver Wheaton has a market capitalization of $15.3 billion and it shows a trailing P/E ratio of 53.2x. $0.60 earn per share is expected next year. The company returned 187% during the last year, increasing its quarterly earnings by 142% over the same period.

Royal Gold, Inc. (RGLD): Royal Gold Inc., which has a market capitalization of $2.88 billion, shows a trailing P/E ratio of 75.7x. It’s expected to earn $0.09 per share in 2012. RGLD returned 15% over the last year and had a quarterly earnings growth rate of 90.5%.

Pan American Silver Corp. (PAAS): PAAS has a market capitalization of $4 billion. PAAS shows a trailing P/E ratio of 35.7x. It’s expected to earn $0.24 per share in 2012. PAAS returned 67% over the last year and has a 66.8% quarterly revenue growth rate.

Silver Standard Resources Inc. (SSRI): Silver Standart Resources, formerly known as Consolidated Silver Standard Mines Ltd., has a market capitalization of $2.3 billion. It’s expected to earn $0.06 per share in 2012 and the company returned 72% during the last 52 weeks.

New Gold, Inc. (NGD): NGD, which shows a trailing P/E ratio of 25.3x, has a market capitalization of $4.5 billion. NGD gained 159% during the last twelve months and it’s expected to earn $0.21 per share next year. New Gold has a 30% interest in El Morro copper-gold Project in Chile.

Seabridge Gold, Inc. (SA): Seabridge, located in North western British Columbia, has a market capitalization of $1.3 billion. SA is expected to earn $0.005 per share in 2012. The stock returned 45% over the last year. The company was formerly known as Seabridge Resources Inc.

Gammon Gold, Inc. (GRS): Gammon Gold has a market capitalization of $1.38 billion. It is expected to earn $0.09 per share in 2012. GRS returned 23% over the past 52 weeks.

Aurizon Mines Ltd. (AZK): AZK, founded in 1988 and located in Vancouver, has a market capitalization of $1.16 billion. AZK’s trailing P/E ratio is 69.6. It’s expected to earn $0.07 per share next year. Aurizon gained 57% over the previous 12 months. Its quarterly earnings grwoth rate is -37.1% year-over-year.

Hecla Mining Co. (HL): Hecla Mining, also a producer and seller of lead, zinc and silver, has a market capitalization of $2.5 billion and a trailing P/E ratio of 69.6x. It is expected to earn $0.13 per share in 2012. Hecla Mining returned 71% during the 52 past weeks.

Northgate Minerals Corp. (NXG): Formerly known as Northgate Exploration Limited, Northgate Minerals has a market capitalization of $786.1 million. It lost 9% over the previous year and it’s expected to earn $0.06 per share next year. Northgate Minerals had total and provable reserves of 3,754,296 ounces of gold as of December 2009.

Great Basin Gold Ltd. (GBG): Great Basin Gold, founded in 1986 and is based in Sandton, South Africa, has a market capitalization of $1.06 billion. GBG returned 57% during the past 12 months. It’s expected to earn $0.09 per share in 2012.

Golden Star Resources, Ltd. (GSS): Golden Star Resources holds interests in several gold exploration projects in Ghana, Sierra Leone, Burkina Faso, Ivory Coast and Niger. GSS has a market capitalization of $770.5 million and lost -18% during the past twelve months. It is expected to earn $0.09 per share next year.

Minefinders Corp. Ltd. (MFN): Formerly known as Twentieth Century Explorations Inc., Minefinders Corp. has a market capitalization of $1.01 billion and a trailing P/E ratio of 141. It is expected to earn $0.07 per share in 2012. MFN gained 36% over the last 52 weeks and increased its quarterly earnings by 183% over the same period last year.

Tanzanian Royalty Exploration Corp. (TRE): Tanzanian Royalty Exploration Corp., an exploration stage company engaging in the acquisition and exploration of natural resource properties, has a market capitalization of $583.4 million. TRE was formerly known as Tan Range Exploration Corporation before changing its name to Tanzanian Royalty Exploration Corporation in Feb 2006. It returned 56% over the last year.

Nevsun Resources Ltd. (NSU): Nevsun Resources has a market capitalization of $1.15 billion. NSU has 94.5 square kilometers of exploration license and 39 square kilometers of mining agreement area which includes 16.5 square kilometers mining license. It is located in western Eritrea. Nevsun Resources gained 104% during the past twelve months.

Wall Street analysts expect SSRI, AU, IAG, PAAS, GG, GOLD, AEM, NXG, HMY, and BVN to have at least 15% annual earnings growth rate over the next five years. On the other hand analysts expect NEM, SLW, ABX, GRS, HL, RGLD, and NGD to have at most 4% annual earnings growth rate. We believe an equally weighted portfolio of these gold miners will provide investors with significant upside and diversification.

Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. I am long physical gold.

Gold Stock Adviser

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David Skarica

Publisher: Newsmax

Monthly newsletter picks gold mining stocks.

6 Positive Reviews / 1 Negative Reviews

Review by hfj, February 15, 2010

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Interesting to Read/Educational
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Value for the Money

GOLD STOCK ADVISER - by David Skarica - Publisher: Newsmax.com

Focusing on “today’s best gold mining stock opportunities”, David Skarica is offering an enjoyable and well written newsletter with two portfolios, the first one called “Conservative Portfolio” (currently 10 picks — the “usual suspects” in the gold field), the second one called “Aggressive Portfolio” (currently 4 picks).
A very interesting service, especially regarding the subscription price :o)

Review by Richard Border, May 12, 2010

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I can’t say how he’s done before I subscribed, but I have three months of his newsletters.
He said buy auy @ or below $12.50 I bought it at $10.38, now it’s at $11.50.
He said buy BVN @ or below $34, I bought it at 30.66, now it’s at $36.96.
He said buy Gold EFTs, I bought at $108, it’s $121 now.
He said buy Silver EFTs,I bought at $17, it’s $19 now.
Did I get lucky? Maybe but I would never have bought any of these without his newsletter, gee I never heard of these before, but I looked into this because I read Aftershock and it made sense to me.

Review by william s h, December 7, 2010

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Performance of Picks/Advice
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Value for the Money

I have been looking at the Gold Stock Adviser for about a month and a half, and I read Aftershock, and issues of the Financial Intelligence Report before that. The picks that Skarica has set forth in the newsletter have done quite well. The stocks that I have bought in the short time with the service have performed very well. Skarica also is the author of the Great Super Cycle, and he lays out in convincing detail and logic his argument that precious metals are a hedge against the coming financial chaos resulting from our governmental policies (and the natural cycles of money flowing to emerging [growth] markets). I recommend that you take a look at his book, consider his arguments and read the Financial Intelligence Report. The contributions of these people are well thought out, and their prognostications may or may not come to pass. The arguments they lay out in favor of their position are very well thought out. Armed with this understanding, I have decided to venture into buying some gold mining stocks and think that David Skarica is a very able guide. The only caveat: gold mining stocks are extremely volatile. This is not an investment for the faint of heart, but if one is willing to take a calculated risk there is lots to look at here.

Review by pate prosser, December 23, 2010

Overall Rating
Performance of Picks/Advice	Not Rated
Consistency	Not Rated
Interesting to Read/Educational	Not Rated
Customer Service	Not Rated
Value for the Money	Not Rated

I’m happy and pleased at how PZG has in the short time that I have owned it. Thanks and I’m waiting to hear from you again.
pate prosser

Review by pate prosser, January 19, 2011

Trying to figure out how to log on.

Review by Richard, January 24, 2011

Overall Rating	Not Rated
Performance of Picks/Advice
Consistency
Interesting to Read/Educational
Customer Service
Value for the Money

Hi,
I am a real person. I subscribed to the Gold Stock Adviser in June 2010. By that time I was invested in more than 20 gold miners already for 3 months to 10 months.
My leader was GORO which had appreciated since August 24, 2009 from 6.74$ by about 120%. Now it is at 25.04$ (+271%).
Other junior miners that I had bought before June 2010 included Kingsgate, Allied Nevada Gold, Greystar, Brett, Osisko, Rio Alto, Hawthorne, Hill End, Taseko, Crescent Gold, Spanish Mountain, Metanor and about 15 more, as well as the medium miners Yamana and Coeur d’Alene. On an average they had appreciated by about 60%. The recommendations for these miners I received from the German Oxford Club Eil-Depesche which boasted a performance of over 300% since October 2008.
As I live in Thailand I wanted to read more from an adviser who is nearer to the mines. So I selected David Skarica who is a native Canadian. All his articles are highly interesting and well written.
Unfortunately he generally does not recommend any Junior Miners because in his opinion they are too risky. As an expert David should know better.
The medium miners in his conservative depot are really nothing to invest in, profits from minus 7% to plus 60% within 18 months in a gold bull market is not really worth the expenses of his newsletter.
Four of the nine stocks in his aggressive portfolio that were bought in early 2009 (Paramount, Aberdeen, Xtra Gold, New Gold) are up by 116% to 216%. This looks quite impressive.
But when I compare to the Oxford Club recommendations that I purchased in the second half of 2009, this tells another story, e.g.: Rio Alto +485%, Osisko Mining +197%, Allied Nevada Gold +134%, Yukon Nevada Gold +202%, GORO 271%, Brett +550% (takeover by Osisko), plus another 20 that I bought in 2010 which are up between 40% and 200%.
Among over 40 Junior Miners there are only 2 that lost money, Hawthorne and Crescent Gold, and 2 that did not profit, Hill End and Metanor. All other Junior Miners made an average of +120% in 4 to 18 months.
This shows that David Skarica uses the prejudice against Junior Miners as an excuse for not researching them well enough in order to make educated recommendations.
That this is possible shows the example of the German Oxford Club and of Greg McCoach from Mining Speculator, whose Newsletter I receive since October 2010 and who does exceptionally good timing for BUY recommendations.
Sorry David, recommending average miners results in a performance which is less than average.
Richard