Maclaren Activity Rocker

Wells Fargo is one of the leading firms that offer home equity loans with no closing fees; however, whether or not you pay closing fees will depend on the amount of loan borrowed and the state in which the property is seated. The no closing package also depends on the level of credit the borrower has established.

Some lenders offer a 7.00% APR variable rate on the loans and these rates are active on a set timeframe, but again, it depends on the amount of loan borrowed. The bank states if the borrower accepts the repayments; thus, direct deposit relations then the rates will remain in effect, but if the borrower opts to close his accounts and selects to pay by check, money order, or other method outside of a active direct deposit payment, then the rates will increase on the loan.

Furthermore, the bank states that the rates are subject to change daily, thus posing threats to the borrower. In addition, there are fees on a set time if the borrower elects to pay outside of direct deposit arrangements. Additionally, the bank stipulates that the borrower must pay flood and hazard insurance during the term of the loan. Other lenders offer similar but slightly different equity loans, which is why you should weigh out the terms between lenders to avoid significant loss.

We pointed out the terms in this article to help you to see that the advertisement for equity loans offering no closing fees or other upfront costs has stipulations in the loans. Therefore, read the terms and fine print to better understand what you are actually getting into when taking out home equity loans. In addition to this, you may also want to get quotes online, which can help you compare companies.

Emanuele Allenti is the owner of home equity loans and best home equity loans websites.

Everybody is asking how to get better gas mileage now more than ever, especially because of the shape the economy is in. I don't know about you, but every time I fill up my tank, it hits my pocket hard. I have made a list below of very easy to follow gas saving tips.

1. When accelerating, slowly push the gas pedal. Pushing it abruptly causes excessive gas to be burned just so you can accelerate a little faster.

2. On the freeway, the best speed is about 60 miles per hour to get optimal gas mileage. Going above 60 miles per hour causes the engine to use more gas than is actually needed to cruise. Vehicle engines are very powerful machines, but they only need a fraction of their power to move the vehicle.

3. Idling for 10 seconds uses more gas than starting your car. It sounds unbelievable, but private and federal tests prove it is true. If you are going to sitting with your car on for a long time, simply turn it off! Local governments have recently passed laws requiring drivers to switch their ignitions off when idling for a certain amount of time to reduce green house gas emissions.

4. If you really want to know how to get better gas mileage, there is a technique called "hypermiling". This is a technique used by many gas saving enthusiasts. It consists of a lot of coasting, accelerating at the right times, turning your car off at the right times, and many other small actions that can extend your gas mileage past the EPA rated estimates. There is a dangerous side to this type of gas saving technique though. If you are going to do some hypermiling, make sure you follow the law so that you, and others, are safe.

You also have the option of converting your car over to use an alternative fuel such as water. How does this work? You use water to make a mixture of oxygen and hydrogen which is then fed to your engine. Your car will still use gas along with this new fuel alternative. Find out how to convert your car for under $100 in materials and get double your gas mileage.

Anthony Harper is a hypermiling enthusiast. He owns a Prius and gets over 100 miles per gallon using both gas and water. You too can convert your car to use water. Anthony regularly competes in hypermiling competitions around the world.