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3 mortgage moves that could save you thousands of dollars

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first_imgby: Matthew FrankelA mortgage can be quite a drain on your long-term financial health, and it can ultimately cost more than you expect. For example, did you know that a $200,000 30-year mortgage at 4.5% interest will cost you almost $365,000 including all of the interest?Obviously, you don’t want to pay any more than absolutely necessary. With that in mind, our experts have three suggestions that could save you thousands of dollars on your mortgage.Matt FrankelOne way to save a lot of money on your mortgage is to set up biweekly payments. Effectively, you’ll make a full extra mortgage payment each year, which can cut years off your loan while saving you thousands in interest.With a biweekly plan, instead of paying your entire mortgage payment once a month, you pay half of the standard amount on a specified date every two weeks. Over the course of a year, you’ll make 26 half-payments, which are equivalent to 13 full payments. continue reading » 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Gangs force sex trade on underage girls

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first_imgAuckland Now 12 Sep 2012Underage Maori and Pacific Island sex workers are caught up in illegal prostitution in Auckland, the head of a prostitute support service says.Debbie Baker, from Streetreach, which encourages women to leave prostitution, told Police News that 14 to 16-year-old girls were being pushed into prostitution by gangs to pay off debts.They were so scared of the gangs they would never admit the connection to police, she said.Baker gave examples of one girl who was forced to have sex at Black Power pads around the country to pay off drug debts, and another who was taken from Tauranga to Auckland to work in a brothel.The girl was locked in a room and Baker said she never saw any of the money for the whole time she worked there.It was very difficult for police to uncover the gang’s influence because girls were too scared to acknowledge it.“This fear is often far stronger than the fear they feel for police or other government agencies, as they are often threatened or stood-over, making it even harder for Police and other authorities to prove what’s going on,” Baker said.Acting area commander for Manurewa Inspector Richard Wilkie said police in South Auckland were doing all they could to address the problem of underage prostitution.There were regular stings of popular hangouts like Northcrest and Hunter’s Corner and as a result he said they were picking up fewer people than in previous months.Wilkie said police intelligence suggested gangs were the main force behind the illegal trade.http://www.stuff.co.nz/auckland/local-news/7654574/Gangs-force-sex-trade-on-underage-girlslast_img read more

Transfer rumours and paper review – Tuesday, June 23

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first_imgHere’s the top transfer-related stories in Tuesday’s newspapers…Louis van Gaal is planning a £150million summer spending spree to build on Manchester United’s fourth-place finish last season. Ajax goalkeeper Jasper Cillessen, Real Madrid duo Sergio Ramos and Karim Benzema and Bayern Munich midfielder Bastian Schweinsteiger are targets. (Daily Mirror)Manchester United defender Phil Jones is set to end uncertainty over his future at Old Trafford by signing a new contract this week. Jones is understood to have agreed similar terms to his United and England teammate Chris Smalling worth in the region of £80,000 a week. (Daily Mail)Manchester City will move for Jack Wilshere — if they miss out on Paul Pogba. City are desperate to land the French star but Juventus want a whopping £71million while Barcelona and Real Madrid are also interested. And City are lining up Arsenal’s Wilshere as an alternative. (The Sun)Manchester City target Kevin De Bruyne is in line for a huge new deal from Wolfsburg who have vowed to fight to keep him. The 23-year-old former Chelsea winger has confirmed City have been in touch for his services. But Wolfsburg want to offer him around £100,000-a-week to stay. (Daily Mirror)Dick Advocaat is prepared to smash Sunderland transfer record and beat Newcastle to £15m Dutch ace Georginio Wijnaldum. The 24 year PSV attacking midfielder is at the top of Sunderland’s wanted list. (Daily Mirror)Sunderland want to sign West Ham winger Stewart Downing but face competition from his hometown club Middlesbrough. (Daily Star)Newcastle will offer top transfer target Charlie Austin the same shirt that convinced Toon legend Alan Shearer to sign for his hometown club. The Geordies are so desperate to land the QPR striker they will promise him the famous No. 9 jersey, worn by the likes of Shearer, Andy Cole and Jackie Milburn. (Daily Star)Stoke City responded to Sevilla’s “insulting” bid for Steven Nzonzi by proposing a cheeky swap deal for £20million-rated midfielder Grzegorz Krychowiak. (Daily Telegraph)Luke Garbutt is to sign a new five-year contract at Everton and then move to Bournemouth on a season-long loan. (Guardian)Tottenham defender DeAndre Yedlin has been targeted by Bolton following the north Londoners’ capture of Kieran Trippier. (Daily Mirror)And here’s the latest talkSPORT.com headlines…Exclusive – Petr Cech worth ’15 points’ to Arsenal, claims Chelsea captain John TerryExclusive – Manchester United make enquiry about Aston Villa’s Christian BentekePremier League move does interest Man United target Sergio Ramos, talkSPORT toldManchester United are being used by Sergio Ramos, talkSPORT toldFormer star warns Manchester United: Real Madrid’s Sergio Ramos is a ‘red card walking’Reports – Liverpool launch £16m bid for Real Madrid star Asier IllarramendiExclusive – ‘I hate watching him’! Ex-star tells Chelsea to forget about signing Real Madrid star PepeBlow for Man United! Strike target Mario Mandzukic ‘undergoing Juventus medical’Manchester United continue talks over signing Monaco star Fabinholast_img read more