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DID YOU KNOW?

	Getting a loan can be frustrating. It helps to know a little bit about the types of loans that are most popular. Knowing about what is available will help you make a more informed decision. The bottom line about loans is to make sure you absolutely need them because in the end you have to pay them back. The most popular loan type is a car loan. Car loans can come from many sources and are probably the easiest for someone with poor credit to get. The main purpose for a car loan is to buy a car. You borrow the amount to pay off the car and then make fixed payments for a fixed period of time. Interest charges and other fees may be applied depending on the lender. Home loans or mortgages are used to buy a home or make repairs to a home. There are two types of home loans- conventional and government. Conventional loans follow certain terms and conditions set by the lender. They include interest rates and other fees. They can have a fixed or variable rate. Fixed rates mean your payments are the same amount for the life of the loan. Variable means your payments change with changes in the interest rate. Government loans include, FHA(Federal Housing Administration), VA(Veterans Affairs), and RHS (Rural Housing Service) loans and loans offered through state or local agencies. These loans are usually income based and can provide help with down payments and negotiating interest rates. The next popular loan type are student loans. Student loans are used to pay for education. These loans can be private or federal. Private loans are credit based and come from conventional sources like banks. The Federal Stafford loan is a government type loan that has three different types. The subsided loan type is based on need, has a variable rate and is paid back starting six months after graduation. The unsubsidized loan type is not need based, has a variable rate and is paid back starting six months after graduation. The last type of Stafford loan is the PLUS or parent loan for undergraduate students. This loan is made to parents and they can borrow as much as needed. It is not based on need or income. These three types of loans - car, home and student- are the most popular types of loans people obtain. They all are used for a specific purpose. While they vary in how to obtain them and how they work they all are examples of general loan types.

Unclaimed money and unclaimed property searches are conducted by most Americans on an a biannual basis. Unfortunately if the search is not done thoroughly you may miss money owed to you. With over $25 billion in unclaimed money in the United States most people are owed money, or they find one of their immediate family members is owed money!

Here are 5 secrets to help ensure you find your unclaimed money:

1 - Search for variations of your name

For example a person named William J. Smith may have money under W. Smith, Bill Smith, W J Smith, etc. Search all possible name variations to ensure the unclaimed money account was not listed under a variation of your name.

2 - Look in ALL state and federal databases

The missing funds are reported in state and federal databases. You may have money in any of the over 54 databases. Even if you have only lived in one state you may still have money in another states database. If you were owed money from a life insurance policy from a company in New York, that company may report the money in the New York state database. An inheratance may be in the benefactor's state database. If you search only your state of residency you may miss money owed to you.

3 - Know all past addresses of the person whose name you are searching

When you do a missing money search you will be given the results that match the searched name. The results may not all be an accurate match. You will have to search the results based on name and past address or account information. It could be under any address the person had in their lifetime.

4 - Use a quality, all-in-one database

To search all state and federal databases would take a tremendous amount of time and you would most likely give up before you completed all of the searches. It is much more efficient to use an all in one database. There are many of these databases but make sure you use a QUALITY database. What makes a "QUALITY" database? A quality database is one that is constantly updated, which will update new missing money accounts reported and will remove claimed accounts. It will also include ALL state and federal databases.

There is a site called missingmoney.com that includes 30 states and is updated frequently. Cash Unclaimed's site includes over 54 databases and has round the clock research team dedicated to updates for the database. Cash Unclaimed is the only site with the patent pending Name Match technology. Name match will automatically search all name variations of the searched name! This takes the work out of it for the user.

5 - Follow through with the claim process for all found money accounts

Once you locate money owed to you print the necessary forms and make the copies of the ID's or documents needed to process the claim. Usually the required forms are driver's license or a death or birth certificate and you may need to fill out a claim form or two. This process should only take you about 15 minutes or so. Then send in the claim forms! If the claims forms aren't sent in you'll never get the money that's owed to you.

Following these simple tips when searching for your share of the nation's unclaimed money will greatly increase your found accounts and make sure none are overlooked. Search and find how much is owed to you today!

Cash Unclaimed is the largest unclaimed property database and was founded to assist owners in easily locating and claiming their lost funds. The site offers more information on unclaimed money and a free search at www.cashunclaimed.com