The amount you can borrow is determined by taking a percentage of your home's appraised value and subtracting balances of any outstanding mortgages. A home equity loan is fairly easy to get, if you are a homeowner. Some home equity loan companies will allow you to borrow up to 125% of what your house is worth at current market prices, less amount that you owe on your mortgage.

A home equity loan is usually a one-time loan, which is paid out in a lump sum. A home equity loan can be used for anything and is usually a fixed interest rate loan.

The cost of loan will depend on many factors including your personal circumstances, amount you wish to borrow and over what period you wish to repay back loan.

Some good uses for home equity loans include debt consolidation, buying of a new car, home improvement, emergency medical expenses or luxury holiday.

People with poor credit ratings will find a Home Equity Loan more easily accessible to them because lender is taking a lot less risk as loan is secured against their home.

A Home Equity Loan will usually mean that you get better interest rates on loan, but you should always remember that your house is at risk if you fail to repay Home Equity Loan.

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As part of his overall money & risk management, John Atkinson has designed and developed his own Portfolio Management tools to plan and track individual stock selection, optimization and portfolio growth. John Atkinson knows first hand what it means to lose enormously, both financially and emotionally in stock or share market. He lost his Sydney Harbour waterfront home in technology stock crash of 2000 and beyond. He was set back fifteen years financially and had to start almost over again.

John then searched finance education world for best investing online & online trading information to learn how to trade and invest online successfully.

With his experience learnt from school of very hard knocks, John Atkinson now aims to help online investors and traders avoid pitfalls that await unsuspecting novices and teach them some of methods he’s since learnt to trade profitably and with much better risk control.

In direct contrast, John’s partner, Jim Berg is a former broker, private trader and lecturer with over 20 years experience in investment industry. He has appeared on CNBC Asia and Market Wrap and is a regular guest speaker at Australian Stock Exchange (ASX), Sydney Futures Exchange (SFE), Australian Technical Analysts Association (ATAA) & Traders Expos in capital cities. The first edition of his book 'The Share Traders Handbook, Fundamental & Technical Analysis Combined' has literally been a sell-out success.

Using tools and trading strategies from his workshops and seminars, Jim Berg won 2002 Personal Investor Magazine Trading Competition.

The first step is to protect your capital and survive in market long enough before you can profit. Instead of giving you a fish (e.g. stock tips), Jim Berg and John Atkinson teach online stock & share investors and traders how to fish (invest) for life. With knowledge gained, you will know where ledge is - to be able to protect yourself initially from pitfalls of markets that lay ahead to trap unprepared investors.

The second step is learning how you can grow your portfolio and thrive in stock or share market. Jim Berg’s investment strategies have achieved breakthrough results and are very different to way majority of investors operate.

Jim has also recently been invited to write regular articles for ASX own newsletter.

Author Jim Berg says:

“We heard from several people who came out of investing & online trading seminars with some education but wondered what to do next? Others contacted us wondering where to begin or how to improve their current portfolio performance.

We realised many online stock and share market investors and traders are looking for on-going support to help lead them through stock or share market minefield, dodge pitfalls and actually profit long term. That’s why John and I decided to team up together to provide weekly guidance, with easy to follow step-by-step investment strategies for everyone who is looking to invest in any of stock or share markets around world today.

Our aim is to help people from all walks of life develop into best online investor or trader that you can become and to generate returns from your investments that you deserve.”