Mogadishu, Somalia (AHN) – Under the belief that Mogadishu’s largest and busiest market will fall into the hands of government forces, Sheikh Sharif Sheikh Ahmed, Somalia’s embattled president, on Sunday called for what he described as foreign militants to leave the country soon, otherwise they would face bad repercussions.

Speaking to state-run Radio Mogadishu, the president indicated that foreign mercenaries practice a doctrine that has no basis in Islam, adding that Islam is not a violent but a peaceful religion.

“We are urging the misguided Somalis to return to their normal life and join to the government playing key role in reconstructing their country instead of committing killings against their brothers, sisters and parents,” Ahmed said.

He said Somali forces, with the help of African Union peacekeepers, will continue efforts to bring peace and the rule of law into the country after 20 years of civil war.

The president also urged government forces to protect Somali businessmen at the Bakaara market and assure the security and tranquility of Somalia after purging the al Qaeda-linked group of al Shabaab from the country.

Forces loyal to the Somali interim federal government on Saturday seized the Wadnaha Road, a key route just south of Bakaara, Mogadishu’s largest and busiest market.

A group of journalists were invited to witness advances made by the Somali army, backed by African Union peacekeepers, against al Shabaab militants.

The Bakaara market, which the government believes to be a stronghold of al Shabaab, now appears to be falling into the hands of Somali government.

Analysts said that the hard-line group appears to be loose and amorphous after the demise of their leader, Osama Bin Laden, who died in U.S. operations in the Pakistani city of Abbottabad on May 2.

Since April, al Shabaab has lost key military positions in the Somali capital as well as strategic towns in Gedo and Lower Jubba regions in southern Somalia.

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Paying off credit card debt, a home mortgage or a business loan is becoming more and more difficult. The obvious way to lower debt is to spend less, get a better job, or improve your income so that you can pay off your debts. However, the current state of the economy just won’t cooperate. The only way to protect your family and pay off your creditors is to get more life insurance coverage. According to industry experts, you should have enough life insurance to cover your outstanding debts when you die so your loved ones can start over financially.

Knee deep in debt? Here’s a plan

A debt consolidation loan is an obvious first-step if you are knee deep in debt. It will help you in a lot of ways – it will put you back on track and stop the embarrassment of staving off creditors. However, when you have taken this first step, you should immediately increase the amount of life insurance coverage. Read on.

Pure life insurance stands for income replacement. However, if the deceased leaves behind a pile of debt, a chunk of that replaced income will be used to pay off debts. That is why, when you use life insurance to settle your debt, you should have enough. The key in using life insurance to settle your debts is to have enough to pay off your creditors or a consolidated debt, yet leave enough for your dependants to live comfortably financially.

When life insurance is used purely for the purpose of replacing income, experts’ recommend death benefits should equal 10 to 15 times the insured’s annual salary. When you are in debt, you should add the sum of all outstanding debts to the above death benefit calculation, so that you are adequately covered. This may seem like a lot, but if you concentrate on getting this in place, you can rest easy knowing that in the worst case scenario your family will be free from your debts. A life insurance needs calculator (available online for free) will also help you to arrive at the right type and amount of life insurance coverage based on your individual debt situation.

Term life insurance will work best.

Term life insurance is the most affordable type of life insurance available today. What’s more, term life rates are at near record lows. For example, a healthy 40-year old male nonsmoker can buy $500,000 of twenty year guaranteed level term life insurance for less than $35 a month.

In the midst of an economy where everything is getting more expensive, this comes as a blessing for those in debt. It may seem contradictory to spend on something while you are in debt, but term life is so affordable, that it won’t take a lot of effort to scrape up enough to keep your premiums going. Also, treat it as a necessary expense, because you know that all you have to do is pay the premiums regularly, and things will be sorted out for your family.

Given the current state of the economy, it is normal to be in debt. However, we should try our best not to pass on our debts to our loved ones. Making sure your debts will be paid off in full when you die will give you indescribable peace of mind while you work to improve your finances. Most important of all, you are doing the right thing by protecting the interests of the ones you love.

Secured loan are accompanied with low interest rate. These loans are acquired for the fulfillment of long term requirements. For the approval of secured debt consolidation loan, the possession of valued asset is required. If you have any valued property like home, luxury car, building or land etc. under your name then you can easily acquire loan amount. Under this loan plan, you can acquire amount ranging from £ 5000 – £ 75000 and lenders offer flexible repayment duration to say from 5-25 years for this deal.

In contrast, unsecured loans are used for the execution of short term needs. Placement of collateral is not required for acquiring loan amount. It proves the best loan option for the tenants and non-homeowners. For the execution of needs and desires, borrowers can avail loan amount ranging from £ 1000 – £ 25000 and backed within shorter period that caries from 1-10 years. Home-owners who are not interested to place collateral against the loan amount can also avail money. Unsecured loans are much risky for the lenders, so they charge higher interest rate from the borrowers.

Many people think that they can’t avail loan amount if they are tagged with bad credit score like CCJs, IVAs, arrears, late loan payers, defaults etc. At higher rate of interest they can avail loan amount for the execution of multiple needs.

Debt consolidation loans can easily acquire for the fulfillment of multiple desires like wedding expenses, going abroad for higher studies, paying education fee, purchasing luxury car or home, medical expenses, renovating home, spending holidays with family in a foreign country. Like this, by acquiring loan amount, you can fulfill your numerous needs and desires.

Nowadays, with ease and comfort, people can apply online for the debt consolidation loan. This online procedure is free from stress. More of the finance companies and banks have their own websites. An application form is available on the internet which you have to fill with personal information and details. After filling the form, lenders will directly transfer the loan amount into your current account. Within few days, you can personally get the cash from the bank.

Motorcycle loans for students follow the norms of the finance market and they are available in two variants, secured and unsecured.

In order to secure motorcycle loans under secure form a student must have valuable property in his/her possession. Property like a piece of land, a house or any such thing will do. This property is to be used as collateral against loan. The lender will grab the property or use the same to realize the lent money if the borrower fails to clear the loan. But the borrower will get very good sum of money and will be allowed to repay the same b 18 to 84 months and the interest will be charged at lower rate.

In unsecured variant of motorcycle loans for students possessions of worth are not asked to be pledged as collateral. But the amount of loans will be much less and the tenure for repayment will be shorter and the interest at higher rate will have to be paid.

Students can buy old motorcycles which are cheap in the market. But the lenders will not allow any motorcycle older than 5 years.

Some students may have credit points less than 600 as per FICO. They have taken loans earlier and have failed to pay back in time. Defaults, late payment, less payment, arrears, CCJs, IVAs etc have made the credit record bad. Normally the lenders are not interested to pay fresh loans to such borrowers. Motorcycle loans for students may be available even if a student has history of bad credit.

Approval of loans, amount of loans, tenure for repayment, rate of interest and all these are determined by the following factors:

1. Model of the motorcycle
2. New or old motorcycle
3. Repayment capacity of the incumbent

Students are eligible for motorcycle loans for students if they are citizens of the United Kingdom and if they have completed 18 years of age.

Students seeking motorcycle loans should visit the web sites on the internet and it is simple to apply online. If the applications are approved the money will reach to their bank account within 24 hours.
Addy Roy is an author of Loans n Finance.

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Debt Free Life

Nearly one in three American children is living with a parent who is divorced, separated or never-married. More people are accepting the view that wedding bells aren’t needed to have a family.

A study by the Pew Research Center highlights rapidly changing notions of the American family. And the Census Bureau, too, is planning to incorporate broader definitions of family when measuring poverty, a shift caused partly by recent jumps in unmarried couples living together.

About 29 per cent of children under 18 now live with a parent or parents who are unwed or no longer married, a fivefold increase from 1960, according to the Pew report being released Thursday. Broken down further, about 15 per cent have parents who are divorced or separated and 14 per cent who were never married. Within those two groups, a sizable chunk – 6 per cent – have parents who are live-in couples who opted to raise kids together without getting married.

Indeed, about 39 per cent of Americans said marriage was becoming obsolete. And that sentiment follows US census data released in September that showed marriages hit an all-time low of 52 per cent for adults 18 and over.

In 1978, just 28 per cent believed marriage was becoming obsolete.

When asked what constitutes a family, the vast majority of Americans agree that a married couple, with or without children, fits that description. But four of five surveyed pointed also to an unmarried, opposite-sex couple with children or a single parent. Three of 5 people said a same-sex couple with children was a family.

“Marriage is still very important in this country, but it doesn’t dominate family life like it used to,” said Andrew Cherlin, a professor of sociology and public policy at Johns Hopkins University. “Now there are several ways to have a successful family life, and more people accept them.”

One American family tradition isn’t changing though. About nine in 10 Americans say they will share a traditional Thanksgiving holiday meal next week with family, sitting at a table with 12 people on average. About one-fourth of respondents said there will be 20 or more family members.

The changing views of family are being driven largely by young adults 18-29, who are more likely than older generations to have an unmarried or divorced parent or have friends who do. Young adults also tend to have more liberal attitudes when it comes to spousal roles and living together before marriage, the survey found.

But economic factors, too, are playing a role. The Census Bureau recently reported that opposite-sex unmarried couples living together jumped 13 per cent this year to 7.5 million. It was a sharp one-year increase that analysts largely attributed to people unwilling to make long-term marriage commitments in the face of persistent unemployment.

Beginning next year, the Census Bureau will publish new, supplemental poverty figures that move away from the traditional concept of family as a husband and wife with two children. It will broaden the definition to include unmarried couples, such as same-sex partners, as well as foster children who are not related by blood or adoption.

Officials say such a move will reduce the number of families and children who are considered poor based on the new supplemental measure, which will be used as a guide for federal and state agencies to set anti-poverty policies. That’s because two unmarried partners who live together with children and work are currently not counted by census as a single “family” with higher pooled incomes, but are officially defined as two separate units – one being a single parent and child, the other a single person – who aren’t sharing household resources.

“People are rethinking what family means,” Cherlin said. “Given the growth, I think we need to accept cohabitation relationships as a basis for some of the fringe benefits offered to families, such as health insurance.”

Still, the study indicates that marriage isn’t going to disappear anytime soon. Despite a growing view that marriage may not be necessary, 67 per cent of Americans were upbeat about the future of marriage and family. That’s higher than their optimism for the nation’s educational system (50 per cent), economy (46 per cent) or its morals and ethics (41 per cent).

And about half of all currently unmarried adults, 46 per cent, say they want to get married. Among those unmarried who are living with a partner, the share rises to 64 per cent. – AP

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According to experts, it is easy to avail loan amount from lenders but it is very difficult to repay the same money. Do you want to live debt free life and can not take it any more? Debt consolidation loans can help you to bring your life on right track. This option helps debtors to manage their debt efficiently. At times, it is almost impossible to make different monthly payments towards number of creditors. This is a very time consuming and expensive method to repay the debts. Due to this procedure, debtors can miss the monthly payments and have to pay late fees with maximum charges.

Debt consolidation loans provide complete liberty to make a single payment to one borrower. Now, you are not liable to make any payment to previous creditors. This financial option is offered by lenders in two forms, secured loans and unsecured loans. It is up to individual to make a correct choice as per requirement, purpose and budget. Both options have been introduced for a particular objective to reduce the monthly payments and interest rate of debts.

This is the process, through which students can merge their multiple debts into a single loan. Instead of giving loan installments to different –different lenders, they give to a single lender. This is the distinctive way through which students can execute their various needs. With the help of this loan, the borrowers can merge their big or small debts in a single debt.

In the UK loan market, student debt consolidation loans are available in two forms namely secured or unsecured. If your needs and desires are long-lasting then secured student loans are the suitable choice. This option requires the possession of some collateral. It can be valued property, home, land or building, luxury car etc. Lenders offer flexible repayment duration and lower interest rate. In contrast, unsecured student loans are totally free from the possession of valued property. In this case, lenders carry compartitely higher interest rate and offer shorter duration for the repayment.

The students, who are tagged with CCJs, IVAs, arrears, defaults, late or missed loan payers etc. can avail student debt consolidation loans to fulfill their education needs. This loan facility tackled properly will definitely improves their poor payment history and put them again on a debt free path.

Online is considering the excellent mode for the approval of student debt consolidation loan. In this case, lenders and students can deal directly with each other and get the best loan amount for themselves.

Tehran, Iran (AHN) – Just hours after reports claimed that Iranian authorities would execute Sakineh Mohammadi Ashtiani, the German-based International Committees against Stoning and Execution launched an urgent petition to save her life.

Iranian court officials suspended the 43-year-old mother’s death sentence in July amid an international outcry. However, the committee reported on its website that Ashtiani would be executed on November 3. German activists say she will not be stoned, but Iranian authorities plan to hang her in the near future.

“The International Committees against Stoning and Execution call on international bodies and the people of the world to come out in full force against the state-sponsored murder of Sakineh Mohammadi Ashtiani,” an International Committees against Stoning and Execution spokeswoman said.

Avaaz.org, another global civic advocacy network also launched an online petition and called on citizens to request the leaders of Turkey, Brazil and key United Nations’ member states to take actions against Iran in a bid to stop the Islamic nation from carrying out the execution.

“Ashtiani” has become a widely discussed topic on Twitter with more than 275,000 users already responded to the petition.

EU high representative Lady Ashton expressed her deep concerns over the matter as she called Iran to convert the execution sentence.

The United Kingdom’s Foreign and Commonwealth Office could not confirm stoning woman’s imminent execution reports but its Middle Eastern minister Alistair Burt asked Iranian chargé d’affaires to send an update.

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