DRUDGE REPORT - Drudge 2017

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    Will North Korea turn into Ashes? Ashes to Ashes and Dust to Dust...

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    Is Russia and Syria Planning an Attack?

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    The Russian Top Secret - Podcast Coming Soon


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    HIV is on the RISE in America

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    Pleasure Robots

    Fake News from Major Corporations AKA the Fake News Mafia


    President Trump is right about the fake news mafia. There have been a lot of inaccurate reports from news companies about wars and rumors of wars. The US is not planning on going to war with any country. There are a lot of bullshit articles floating around the internet. The fake news mafia is doing whatever they can to make money and get attention from the tax payers. There is not tension with North Korea or any other country. The news corporations are trying to put fear in the hearts of the American people. No one Is planning a nuclear attack. It is all bull and the fake news mafia will pay dearly for their life and false news articles. We will put these scumbags out of business because we are the supreme news network and no other can compare to this website. The Drudge is pure and unrated news. We do not beat around the George Bush.

    Fighting Addiction


    There are a lot of people out there who are addicted to something and it is destroying your life. The thoughts are always on your mind and your body just wants more and more. It could be alcohol, porn, sex, drugs, parties or anything. Addiction can be very powerful in the eyes of the person who is addicted. Everything starts with a thought. You think of the thing you are addicted too and those thoughts produce habits. The best way to overcome addiction is by changing your thoughts. Thoughts are very powerful. It can make or break you. When the bad thoughts come your way, just think of something else. Bad thoughts are distractions and can ruin you if you let them. Make a choice today to overcome addiction. When you are addicted to something, it attracts you like a magnet. Never let the thoughts come to your mind because the thoughts will bring emotion and feelings. You will begin to see yourself addicted and then it is too late. The war will begin in the thought life. That thought is a seed and only you can prevent it from growing.

    Underground Pedophile Rings Exposed Worldwide

    2 Enoch 10

    And those two men led me up on to the Northern side, and showed me there a very terrible place, and (there were) all manner of tortures in that place: cruel darkness and unillumined gloom, and there is no light there, but murky fire constantly flaming aloft, and (there is) a fiery river coming forth, and that whole place is everywhere fire, and everywhere (there is) frost and ice, thirst and shivering, while the bonds are very cruel, and the angels (spirits) fearful and merciless, bearing angry weapons, merciless torture, and I said: 2 Woe, woe, how very terrible is this place. 3 And those men said to me: This place, O Enoch, is prepared for those who dishonour God, who on earth practice sin against nature, which is child-corruption after the sodomitic fashion...

    Matthew 18:6

    But whoso shall offend one of these little ones which believe in me, it were better for him that a millstone were hanged about his neck, and that he were drowned in the depth of the sea.

    Cops getting angry

    Will President Trump go to Jail?


    President Trump is in a world of shit right now. The media claims that he may have leaked unauthorized information about the CIA. We do not know how he got this information but President Trump used his Twitter fingers to speak about a topic that should not have been spoken of. The Media is busting his balls right now about the Russian issue. The media is truly against President Trump and they are trying to turn the American people against him as well. The media plays a major role in convincing people to agree with their beliefs. The problem is that people believe everything that is on the news. President Trump warned Americans of the fake new mafia. There is fake new circulating all over the internet and radio stations. The media have extensive power in influence. The media is being used as a tool to deceive the American people and the world. It is good to shut off the television sometimes because it is just filling your minds with hot ass air. President Trump is not going anywhere. He was chosen to be the President of the United States and he will finish his full term. Trump may experience some problems from other nations and countries but he will finish. President Trump will stop a lot of terrorist attacks from occurring on American soil with his executive orders. He will stop terrorist in their tracks. He can be and arrogant jack ass at times but president trump will go down in history as an American hero. He will save a lot of lives and help out people who do not like him. President Obama bought a lot of change to America but Trump will reverse his change and bring more change. Before the death of the American Dollar, Trump will bring great prosperity to America.

    100 Killed in Bus Attack

    Faces of War

    North Korea shows Weapons of Mass Destruction


    President Trump Vs Muslims


    President Trumps believe that Muslims are a threat to our country. It is no different from the movie X Men. In the movie, the world leader was afraid of the mutants because they were different and they live differently from others. They had a different set of beliefs. The world leaders did not understand the mutants so they were rejected and arrested. President Trump do not understand the culture and religion of the Muslims so he rejects them and bar them from the United States. On the other hand, Parris accepted the refugees from Syria and other Middle Eastern countries. They have had numerous terror attacks on their land and people have died as a result. Should President Trump continue to fight against Muslims and Mexicans or should he back down and let America have what they want which is equal rights.


    WW3 in the making

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    Is President Trump doing the Damn Thang?

    Donald Trump

    Donald Trump is making America Great Again by adding over 200,000 jobs to the American Economy. People had their doubts about Trump we knew he was a very smart man. Thank you Trump for bringing back the Jobs.

    America at war


    We are living in a very dangerous time. We have enemies who are preparing their military forces for an attack on American soil. North Korea is getting their systems up and running, Iran is putting the finishing touches on their missile system and China is building islands in the South China sea that are equipped with anti-aircraft missiles and much more. These countries are planning attacks and china has systems up to block a nuclear attack from America. There is a lot of tension all over the world. Someone must warn the American people to prepare for the worst.

    War is not the only reason to prepare for the worst. There will be a series of natural disasters that will occur in the United States. There will be hurricanes, tornadoes and a very strong earthquake on the west coast. People on the west coast should defiantly prepare for the worst. People are sitting back in comfort and they are not prepared for a catastrophic event. America is in danger of catastrophic events. This earthquake will shake the foundations of America and it will be followed by an attack. People are unaware of the things that will happen in America and others are aware and are warning the people. Stock up on dry foods, first aid kits, weather proof clothing, batteries, radios, flashlights, water and water purification kits. Things will be different not just in America but in the whole entire world. All of this could happen after Trump leaves office or it could happen while he is in office.

    Donald Trump vs Muslims

    President Trump

    President Trump is causing chaos in the United States of America. The President is not using his best judgment or the advisors around him. Many are protesting because of his decision to ban Muslims from entering America. This is causing a worldwide out roar. The world is frustrated with the new President of The United States. He means very well because is wants to protect the American people and prevent another terror attack. The Muslim community is being treated unfair because of the bad apples who are penetrating borders and destroying lives. What will happen to the people who are separated from their families?

    People may think the President is being a jerk but there are countries who operated in a similar fashion. For example, you have Saudi Arabia who have placed a ban on all non-Muslims. They are not allowed to enter mecca because it is considered Holy Land. America is also HOLY LAND in the eyes of President Trump. The US and Muslim countries will need to discuss discrimination based on religion.

    President Trump in Action


    President Trump is breaking out the big pen and making a series of executive orders. Trump is changing everything that was signed by former President Obama and others. The Trump administration is taking a deeper consider all the executive orders to see if it is benefiting the country. As you can see, President Trump is big on change. He will bring more change that President Obama or any President in American History. President Trump is backing out of the Trans Pacific Trade. It looks like we will see more things made in the US. No more shirts and toys made in China. Women activist are angry after Trump signed an executive order to stop federal funding on Abortion. People are mad because they want to use the hard earned money of tax payers to kill their own kids. Trump does not want his money to be used to murder babies. Trump also signed an executive order to raise mortgage rates. America need them taxes. Stop paying for BS and pay off some of that debt. Someone need jail time and it is all of Congress.

    Donald Trump taking the Oath to Run America

    President Trump

    Donald Trump is having a hard time searching for someone to perform at his inauguration. Many famous artist have turned down the opportunity to perform. The Garth Brooks, Elton John, 2 Chains, The Rockettes, Jay-Z and Beyonce have decided not to perform or attend the inauguration. Mr. Trump is one of the most unpopular candidates to ever run for office. He won fair and square. Many may not agree with Mr. Trump but America should at least give the man a chance. Trump will be sworn in as the 45 presidents of the United States of America.

    Evacuations Resume In East Aleppo


    East Aleppo is full of destruction. The war-torn area needs help and donations. Private organizations have helped more than 1000 evacuate the area. The civil war in Syria is destroying the cities and innocent civilians are living in rubble in dust. Countless civilians have been executed and kids were being shot by snipers. The people of Syria need recovery from the suffering and turmoil. Many have given donations through the red cross and many other organizations. Syria is on it threshing point and the recovery will be long but it is possible. There are many ways to help Syria from the comfort of your own home. You could donate a car for money and use the money to help with recovery, use profits from online trading, give through charitable organizations or donate money online. The people of Syria are in great need because the world leaders are not interested in helping them. They are too busy trying to build stronger weapons to show off to the world. The evacuees are struggling to survive because their transportation was set on fire and snipers are killing the wounded. Just remember to be thankful for everyday and always try to find ways to help others who are in need. Have a heart and donate.

    Donald Trump on Loan Crisis

    student loans

    Donald Trump started his business with a small loan of 1 million dollars. That small loan was the seed to help him create his empire today. Now that Trump is a billionaire, he has forgiven the money that was used for his campaign. Trump will not require the 46 million dollars because he is already rich. He is all about giving back to the people because he has so much to give. Trump plans to make student loans great again. Barrowers will be allowed to cap their student loan payments based on their current income. After 15 years of student loan repayments, you will no longer be required to continue making student loan payments. Donald Trump will make student loans great again for those who would like to get a great education.

    Best Web Hosting


    Many have tried a lot of web hosting companies. Some of the web hosting companies were not popular at all but they provided great hosing services and a good price. Some of the best websites are using web hosting from companies who are not very popular. Blue Host is a web hosting company who have a lot a great deal. Drudge started hosting using host gator but did not use the webhosting company for long because of my lack of understanding. The hosting that Drudge use today is his own. Hosting is the key to having a great website and it is the secret to online success.

    The Economy of China will FAIL

    pictures of china

    China is getting mad because of the talk between the US and Taiwan. Sources says that the angry birds of China showed their balls by flying nuclear jets to put fear in the hearts of men and women. A lot of these world powers are showing their balls to remind the world that they have nuclear weapons. China is dominating the world economy with their tricks of the trade. Almost everything is made in China. If people continue to piss of the angry birds of China, they will stop making all the toys and t-shirts. People would have not clothes to wear because all of their clothing are made in China. America will be forced to create sweat shops and clothing factories to produce clothing. Donald Trump would have fulfilled his promise of bringing all jobs back to America. China would suffer thus because all the Nike factories and shirt factories would be in America. We believe the President will get under the skins of the yellow dragons and destroy their economy. Time will be the determining factor.

    Beauty Queen abused in Restaurant

    sexy women photosdomestic violence pictures

    This loser walked up to this young lady and punched her in the chops because she was from a different town. No one deserves to be treated like this. These wicked men should be castrated for the way they treat women and dogs. The violence must stop.

    Crazy bastard abuse Dog on Train.

    dog photos dog abuse

    This guy is the scum of the earth. He beat the crap out of an innocent dog on the train. I am sitting here with tears in my eyes because of the violence and the embarrassment that was felt by this young dog. People should learn how to treat their pets when they are in public. Dogs have feelings too and their lives are important.

    Activist Beg for Election Recount

    Trump and Clinton photos

    It is a known fact that America does not want Trump to be the President of the United States. There is nothing that anyone could do to stop Trump from running the country. He has already received intel updates on world leaders and the current state of America. This rotation is set in stone. Mrs. Clinton will need to find a day job and her supporters should just give up because nothing is going to change the fact that Trump will be president. It seems like the whole world is against Trump. Everyone should give him a change to make America Great Again. He has a lot of good plans to improve the economy and bring more jobs to America. Donald Trump may be an arrogant jackass but he may have what it takes to bring the glory back to the United States.

    Drudge Report sends hints of More Clinton Scandal

     Clinton photos

    Just when you thought Hillary Clinton was done, Drudge Report sends a unique message. Is this the last photo of Clinton on Drudge? What you do think? Drudge Report is looking for more juice and they are just waiting for things to fall into place. Hillary Clinton may be on her way to prison just as Trump promised. He made a very stern promise and now America is waiting to see if he is a man of his word or will he be like President Obama and George Bush. Clinton is sitting in her corner in fear because she knows Judgement day is coming soon for her. Apparently, Clinton did not sacrifice enough kids and chickens because she is not going to be the President of the United States of America. Her witchcraft did not help her in the end. Donald Trump is next to sit in the hot seat of national debt and we will see if he will just print more money and sell nukes to Japan and South Korea.

    Rappers react to Donald Trump as President


    Weird commercial Time

    Congratulations to Donald Trump

    President Trump photos

    Congratulations on become the 45th President of the United States of America. I wish you the best of luck in managing the National Debt and the nation. People are in a state of shock and the news media is going crazy. Drudge Report did a great job in providing updates during the election. People were Hillary Clinton supporters are highly pissed but they must get over it. Maybe she will become president some day in the future. It would have been a phenomenal to have a woman president but America is just not ready for that transition. Drudge Report will continue to provide updates on the newly selected president and if there is any dirt and scandal, Drudge Report will be sure to provide all the details.

    You can be Successful


    People spend their entire lives wishing and hoping to be rich because they believe that riches bring happiness. Riches can make a person happy to a certain extent but it is not the true source of happiness. Being rich is not as hard as it seems. All it takes is believing in yourself to achieve your goals. You have to see yourself rich first before anything ever happens in life. When you see yourself rich, your subconscious mind will begin to lead you on a path of success. You will make decisions based on the wealth and prosperity that is on the inside of you. There are many paths to success and prosperity. Your path may be different from the path of another person but if you keep prosperity on your mind, nothing will be able to stop you from being successful.

    Donald Trump wants to make you Rich


    Donald Trump wants to make America Rich again. They only ways to make America rich is to bring back slavery in the United States because everyone was working for free and the Business owners were making millions and billions. All of the factories were in America. A lot of businesses that exist today was created with money from Slavery. This country was built on the blood of Native Americans and the Sweat and Tears of black slaves. Donald Trump wants to make this country rich but he never says how he would do it. It is a fact that Donald Trump is all about making his money. How will this guy make America Rich? He will sell all of our nuclear weapons to foreign nations and cause instability in the world and the economy. Mrs. Clinton also cannot be trusted to run our nation. She is a liar and a thief. She wants to put Americans in concentration camps and pledge her allegiance to the Devil himself. Call up your lawyers and get your life insurance in order because Trump and Clinton will destroy the world.

    War on American Soil

    gun photos

    There have been a series of shootings in America. The cops are killing all of the blacks during routine traffic stops and other situations. The so called blacks were armed during the recent shootings. The guy who was pulled over had a gun and told the police. The officer told him not to move then shot the guy. During the other incident, a guy was selling cigs and DVDs to feed his family. A homeless guy asked for some money multiple times and the guy flashed his weapon as a warning to leave. The homeless guy called to report him. That is when things turned sour. The cops showed up with questions. One thing led to another and the big guy was shot by to police. During both incidents the cops felt threated because of the presence of their weapons. Have a license to carry will only make the situation worse if the individual does not cooperate with the police. The only solution is to take away weapons from the citizens and the police. Make firearms completely illegal in the United States of America and there will be no shootings. Anyone who owns or has a gun should automatically receive life in prison. Guns were created to kill people. Life insurance can cover a lot but is it really worth it?

    Middle Eastern man blows himself up near the US Consulate in hope of finding his 70 virgins. These ISIS guys are brainwashed into thinking that killing themselves will lead to a huge reward in paradise. The only reward their will receive is life insurance, auto insurance settlements and the lake of fire and brimstone. These guys cannot be this idiotic because no one really wants to kill themselves for sex with 70 virgins. My question is, are they virgin women or virgin cows and donkeys? Someone has to set the record straight and tell these guys that suicide is not the way to go. Once you blow yourself up, how will you be able to have a virgin? Your body parts would be all over the place and there would be no possible way of making love to those virgins. Life insurance companies should be making a killing off of these guys. A married man would blow himself up to receive virgins? That is not right because they are leaving their wives to be with some virgins. These guys have to get it together because the media is making a circus of these middle eastern guys.

    Hilary Clinton Shows her true Colors

    Hilary Clinton

    Hilary Clinton exposed herself as a racist during her younger years. Now she is running for president and have made promises to help blacks. Hilary is a person who cannot be trusted because she is full of lies just like a used car salesman who is trying to persuade you to get a loan and California car insurance so you can purchase a car that will not work. Mrs. Clinton is like a Attorney with degree who will lie in order to win a case involving a DWI. These politicians cannot be trusted to do anything that is morally right. We are surprised that Mrs. Clinton is not in prison for sending those emails. The Government leaders want to sweep her sins under a rug while there are thousands of people in prison for similar crimes. This is not about race or color but this is about doing the right thing and making the right choices. America cannot allow these criminals to run this country like a business. They are full of lies like a car accident attorney and criminal lawyers. We must make America great again and we can start by not voting for these criminals.

    Donald Trump wants to profile Muslims

    trump pictures

    Donald Trump is back at it again with the rhetoric. He wants to profile Muslims to prevent terror attacks in America. Did he forget about the Oklahoma bombing and the church shootings? These guys were not Muslims. Donald Trump could profile all he wants but he cannot save the world. If one group is stopped, other groups will rise up. A lot of terror is now home grown meaning that the terrorist is not coming from other countries but are living here in America today. Terrorist are very evil and they do not care about life or does not value life. People today need to understand the importance of life and living. Life is a gift and it should not be taken away by no man. Until people begin to understand the value of life, nothing will ever change. There will be more killing and death. People will need life insurance and good lawyers that can fight for them and Donald Trump will also need a good lawyers if he racial profile Muslims.

    4 Famous Criminal Attorneys


    Have you ever noticed that when you see the news and there's some kind of serious offense being talked about, you hear the same attorney’s names mentioned over and over again? It's almost like these attorneys become celebrities in a sense. It can be for any type of crime as a drug offense, a serious criminal offense, or even a simple probation violation.

    Why do you think this is? Well these lawyers have built a reputation for being the best at what they do. These lawyers are very expenses and usually only the rich can afford them. Let's take a look at some of the most famous or well known criminal defense attorneys.

    Johnnie Cochran

    Johnnie Cochran is best known for the role he played in getting off O.J Simpson. This was a very high profile trial and after it was over you heard this name thrown around all over the place. He is not alive anymore, but his firm still survives and it is one of the most prestigious firms in around. The name is often used in the same way Einsteins name is used to represent genius.

    Mark Geragos

    Mark Geragos is very good at what he does. You hear his name thrown around a lot when it comes to different celebrities. In fact he is known at the lawyer of the stars. He's been involved with cases involving Michael Jackson and Chris Brown. It's the constant media attention that make this lawyer so well known. The free publicity does a lot to make you sought after.

    Gloria Allred

    You have seen Gloria Allred on television, even if you didn't realize it. This is an attorney that makes it a point to be involved in high profile cases, usually ones that are extremely controversial. You can even see her on television shoes on a frequent basis speaking with random politician and other important people. She's very outspoken and she's not afraid to challenge people.

    Shawn Holley Chapman

    You can think of Shawn Holley Chapman as a lawyer to the stars. He's defended people like Paris Hilton and the Kardashian sisters. Shawn Holley Chapman worked with other famous defense attorneys on different cases. He's had interviews on several morning shows and you can find a wealth of information about him on the internet.

    The reason these attorneys are so famous is because they were willing to put their names on the line in cases that a lot of other defense attorneys wouldn't touch. When you think of the kind of business they are in, reputation means a lot. Some lawyers don not want to be known for defending certain people or taking on cases they know are going to have a large amount of public backlash.

    The attorneys mentioned above all took risk and continue to do so in order to build a name for themselves. Once they became well known this made them have to work even harder to protect the reputation they have built. Their able to charge a lot of money for their services. Anyone who works with them also has the benefit of the reputation built by this person.

    Famous attorneys didn't get that way by being really good at what they do. They got that way by taking risks, representing people in tough cases, and prevailing. After that they were in demand and continue to be so.

    The list mentioned in this article is small. There's several other defense attorneys you can research that are well known. Look for high controversial cases, high profile celebrity cases and any cases involving big name corporations/businesses.

    16 Helpful Tips to Get the Cheapest Car Insurance

    car insurance

    It seems like the cost of car insurance premiums is constantly rising! Running a car can be very expensive when you consider the price of gas, the expense of maintaining the vehicle and paying those insurance premiums. Fortunately, there are a number of clever tactics that can be used to obtain the cheapest car insurance premiums possible. This article will go over 16 clever ways to ensure you get the cheapest car insurance premium possible.

    Look at the cost insuring the car before you buy it

    The smartest time to look at the cost of car insurance is before you actually purchase the vehicle you are interested in. You can visit a number of insurance companies online or use online comparison tools to check how much the car you like will cost to insure. If it is a private sale, you can even use the registration number of the car when getting the quote from the insurance company.

    Avoid cars with high performance modifications

    Including the cost of any high performance car modifications in the insurance will add to your premiums. So while many modifications can look good, they can be very costly to insure.

    Avoid cars that have large engines, turbo or have sports in their name

    Any cars that are capable of extreme speeds will cost more to insure because the insurance companies knows those kinds of cars are more likely to be involved in a crash.

    Obtain safe driving skills

    This one works for young drivers especially — gain some additional qualifications and tell you insurance company. Programs like Pass Plus can give insurance companies some additional certainty that the young driver has basic skills and is less likely to crash.

    Use online comparison tools

    With the advent of the Internet, comparing policies is incredibly easy. You no longer have to walk to an insurance broker to get a quote, you can get a dozen quotes in 10 minutes via insurance comparison websites.

    Be sure they take into account any special circumstances you have or discounts you are eligible for. To obtain the very cheapest insurance it’s usually important to negotiate with your insurance company, so the comparison tools should be considered a ballpark figure.

    Check for discounts

    Ask your insurance company about every kind of discount they offer. Insurance companies offer many types of discounts including: discounts for retired people, army veterans, single mothers, low income families, for loyal customers and more. Make sure you aren’t missing out on any savings!

    Compare renewal costs to new policy costs

    Some insurance companies offer fantastic deals to attract new customers, and current customers sometimes miss out. If you spot a deal for new customers that you didn’t receive as an existing customer, simply ring the insurance company. Demand they give you the deal — you will usually find them very apologetic and helpful because they want to retain you as a customer.

    Pay yearly, not monthly

    You can receive some hefty savings on car insurance premiums by simply paying it annually.

    Drive carefully and avoid getting any traffic fines

    One of the worst things you can do as a driver looking for cheaper premiums is to get a traffic fine, or worse still a conviction for a traffic offense! Insurance companies will know of any traffic infringements you are involved in, so always drive carefully!

    Avoid claiming for small bumps and scratches on your car

    If you have a small fender bender that only damages your car, reconsider claiming it. If it is minor damage to your vehicle it might only cost $500 to repair, however if you claim it your excess may be $300, then on top of that your premiums might be higher for the next 5 years. You will lose any no-claim bonus that you had, and you will be paying higher premiums for a few years — Insurance companies don’t forget.

    Use multi-car policies

    If a number of people in your family are driving, for example your two teenage children have cars, you should look at multi car policies. You could get a better deal if you insure 3 or 4 cars at once.

    Drive Less

    Some companies offer discounts if you can demonstrate you rarely drive your vehicle and it is garaged in a safe location most of the time.

    Pay as you go insurance

    Pay as you go insurance uses telematics technology to track your car use and give you cheaper insurance based on that usage pattern. The devices track things like including total miles traveled, speed and trip distance (long trips or short trips). These devices are becoming more complex and are starting to track things like deceleration (braking speed) to evaluate your driving ability. If you are proud of your driving record, you don’t speed and you don’t drive regularly, pay as you go insurance could save you a lot of money.

    Increase your excess

    The simplest way to obtain cheaper premiums is by increasing your excess, something that can done by emailing or calling your insurance provider.

    Do you really need theft coverage?

    Some people tend to buy theft coverage or premium insurance for peace of mind. However, if you own an aging car, you should consider the declining replacement cost of the vehicle. Comprehensive insurance may only be a sensible decision for the first 8-10 years of owning a vehicle. If your car is rarely left on the street and usually secure in your locked garage, you should also reconsider comprehensive insurance.

    Cut out optional extras from the policy

    There may be some optional extras on your insurance policy which the insurance company includes without consulting you. You may be able to remove certain aspects like free hire car rental after car theft, which could save you some money. So there you have it, 16 simple tips to get cheaper car insurance premiums. The key is to demand more from your insurance company, tell them about your specific circumstances and get the best deal possible!

    How to buy a nice Home


    Second mortgages, or home equity loans, are often used for large home repair expenses that the homeowner may not be prepared for, but they're not limited to use on the home. High medical bills can be a good reason to take out a home equity loan, for instance. Some people use a home equity loan to buy vehicles or expensive equipment or appliances, reasoning that the rate of interest is generally lower than other loans. Since the interest rate is low, a home equity loan sometimes is used to make investments that pay back at a higher rate. That can be a good strategy, but it puts your home at risk.

    Using a home for these purposes can be a smart move, but since the money seems easy to get, home equity loans can cause people to overextend their finances without even realizing it.

    There are two basic types of home equity loans. One is a "HELOC" or Home Equity Line of Credit, which is an open end type of account where the home owner can withdraw or borrow money up to a certain amount over a set period of time. The interest rate is most often variable. The other home equity loan is a closed end loan which is given in a lump sum, nearly always with a fixed interest rate. The closed end loan is far less common than a HELOC anymore, but some banks still offer them.

    No matter how a home equity loan is defined, either one is a second mortgage, and both are usually for a shorter term than the first mortgage. It uses the home itself as collateral for the loan and that causes a loss of equity as well as the possibility of causing the owner to default and even lose the home. Since this type of loan can often be for 80% or more of the value of the home, it could become a major financial disaster in a homeowner's life.

    A HELOC usually has 10 year draw period, when the borrower can use the funds any way he wants to. At the end of the draw period, the balance must be repaid and there are no more draws allowed on it. This period of repayment is usually set at 15 years, with either a fixed or variable interest rate.

    Before the lender makes a decision as to whether to loan the money, there will be an appraisal of some kind, whether it's done by a professional appraiser or taken from government records. If it's done by an appraiser, the owner will usually pay the fee. A house that looks nice will garner a better home equity loan because it will show that the owner takes pride in the home and takes good care of it. The lending institution doesn't want the possibility of winding up with a home that's shabby, dirty and in ill repair and someone who shows responsibility in the upkeep of a home will more often show responsibility in the repayment of a loan.

    A very good to excellent credit score is necessary to qualify for either of the home equity loans. Giving the loan is a business transaction for the lender, which means that they don't want to possess the home; they want the money loaned to be paid back to them.

    Some lenders will require Title Insurance while some will not. While Title Insurance is a good thing, a home must have it on the first mortgage, so having it on a second mortgage is sometimes thought of as an unnecessary expense.

    When a home owner decides to take out a home equity loan, it should be well thought out in advance. Having a plan for the funds rather than frittering them away will help to ensure that the loan is kept under control and that the home won't be in danger of being lost.

    Copyright (c) 2016 Drudge-Report.co. Matt Drudge does not own, operate or maintain drudge-report.co He is not responsible for it in any way. All rights reserved.