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Interest rates have been steadily increasing over the last twelve months. This reflects the upward trend of the prime rate, which is expected to go up further. The impact of this is that people who went in for Home Equity Line of Credit (HELOC) are now paying much higher interest. They can now opt to convert to a fixed rate Home Equity Loan on the speculation that the interest rate is likely to increase further. In fact it appears that there has been a spurt in the demand for this type of loan in 2005. The interest rates of short-term loans are rising faster than that of long-term loans. The pay off period of fixed rate Home Equity Loans is normally 15 or 30 years.

The advantage of converting HELOC to Fixed Rate is that you liquidate the existing debt, reduce your monthly interest burden, and normally have extra cash on hand. According to reports, in the first week of November 2005, it was possible to avail of HELOC at about 7 percent, up from around 5 percent a year back, and that of a 30 year Fixed Rate Home Equity Loan at about 6.3 percent. The rate could also vary from state to state.

In the given situation, Fixed Rate Home Equity Loan appears to be more attractive. But if you use HELOC only to meet essential requirements, the amount drawn is likely to be small and the quantum of interest that you have to actually pay will be low. This is because the un-drawn portion of HELCO normally does not attract interest burden. Therefore the conversion from HELOC to Fixed Rate Home Equity Loan is likely to be more beneficial if done when you are in need of large amounts.

Take advantage of the competition among lenders. Study different offers before you decide.

Home Equity Loans provides detailed information about home equity loans, bad credit home equity loans, fixed rate home equity loans, home equity loan calculators and more. Home Equity Loans is the sister site of Car Refinance.

Toyota is experiencing and enjoying much success on U.S. soil. The Japanese car maker posted record breaking sales figures in January of this year. And February is just as the same with the Toyota Prius setting an all-time sales record. The increase again in the sales of Toyota vehicles is consistent throughout its lineup. From small cars to full size pick up trucks, Toyota managed to sell more of them in February this year compared to February 2006.

Once again, passenger cars have become the main reason for the success of Toyota in the market. Total sales of these cars add up to 106,429 units which is a 21.1 percent improvement over the February 2006 sales figures for passenger cars. The Toyota Camry is the best selling model in the lineup of the Toyota division. The Asian car manufacturer and the second largest car manufacturer in the world sold 32,148 units of the popular Camry. That is a 17.5 percent improvement over last year for the same period. The Camry hybrid also posted very good numbers with 3,332 units sold.

The Toyota Prius, the hybrid electric sedan, posted all-time bets-ever sales figure. Toyota sold 12,227 units of the Prius for the month of February 2007. This is an 87 percent increase over last years sales output. This shows that more and more American motorists are taking advantage of the technology while helping the environment at the same time. It seems that even a Volvo brake booster is not enough to put a stop to the momentum being shown by Toyota.

Other Toyota models which showed good performance in the market are the Yaris and the Corolla. The subcompact car that is the Toyota Yaris posted a sales figure of 5,702 units sold. The Toyota Corolla meanwhile posted a 12.9 percent increase over last years performance. Toyota sold 28,321 of the classic Corolla for the month of February this year.

Light trucks sales are also showing good figures. Toyota sold 80,901 units of light trucks and this is the best ever February performance for the Japanese brand. The best selling light truck in the lineup of the Toyota division is the RAV4 compact SUV. Toyota sold 11,643 units of the sports utility vehicle, which is a 5.2 percent improvement over last years sales figure for the same period. The full-size pickup truck recently introduced by Toyota in the market, the Tundra, is doing good. The Tundra showed strong sale figure for the month of February with 9,669 units.

Another popular model from Toyota has shown good performance in the market. The Highlander and the Highlander Hybrid combined to post a sales figure of 9,368 units. This is a 3.7 percent improvement over the February 2006 sales figure for both the conventional Highlander and its hybrid version.

Glady Reign is a 32 year old is a consultant for an automotive firm based in Detroit, Mi. she is a native of the motor city and grew up around cars hence her expertise in the automotive field. You can visit Volvo brake booster for more information.