Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.

Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, most commonly a house. In this case, a mortgage is secured against the house. The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.

Sometimes, debt consolidation companies can discount the amount of the loan. When the debtor is in danger of bankruptcy, the debt consolidator will buy the loan at a discount. A prudent debtor can shop around for consolidators who will pass along some of the savings. Consolidation can affect the ability of the debtor to discharge debts in bankruptcy, so the decision to consolidate must be weighed carefully.

Debt consolidation is often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest ratethan even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral. Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest.

Because of the theoretical advantage that debt consolidation offers a consumer that has high interest debt balances, companies can take advantage of that benefit of refinancing to charge very high fees in the debt consolidation loan. Sometimes these fees are near the state maximum for mortgage fees. In addition, some unscrupulous companies will knowingly wait until a client has backed themselves into a corner and must refinance in order to consolidate and pay off bills that they are behind on the payments. If the client does not refinance they may lose their house, so they are willing to pay any allowable fee to complete the debt consolidation. In some cases the situation is that the client does not have enough time to shop for another lender with lower fees and may not even be fully aware of them. This practice is known as predatory lending. Certainly many, if not most, debt consolidation transactions do not involve predatory lending.^{[citation needed]}

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Khorne is the Chaos god of hate, bloodshed, war, and violent death. The World EatersChaos Space Marines are dedicated to him and his cause: the death of every living thing. Every act of killing gives Khorne power; the more senseless and destructive, the better. Khorne's daemons are Bloodthirsters, Flesh Hounds, and Bloodletters. His opposite is Slaanesh, due to Khorne's dislike of the other god's effeminate hedonism; in addition, Khorne's value of "death to all" is at odds with Slaanesh's "enjoy life as much as possible through sensual extremes". Khorne's rivalry with Slaanesh is also fueled by the Eldar god of war, Khaela Mensha Khaine, being first defeated, dominated, then fragmented by Slaanesh. Khorne is viewed as the mightiest of the four great Chaos powers.

However, it must be noted that Khorne's followers seek not to cause pain - pain is the domain of Slaanesh, as is pleasure. They wish only to kill, because while the blood of their victims strengthens Khorne, their suffering empowers his nemesis.

Khorne himself is seen as a mighty being, clad in brass armor, sitting atop a mighty throne of skulls standing in a sea of blood - the throne is made up of every skull his followers take (as well as the skulls of his fallen champions) and every droplet of blood they spill.

The battle-cry of the followers of Khorne reflects his desire for wanton violence: "Blood for the Blood God! Skulls for the Throne of Khorne!" Alternatively, they may cry, "Skulls for the Skull Throne!" In the throws of violence, Khorne's followers are also known to bellow, "KILL! MAIM! BURN!" repeatedly while hacking apart their enemies. Also, Khorne's Chosen berserkers often shout "Break their backs!" while in the thick of battle.

The Greater Daemons of Khorne are called Bloodthirsters (other names given to them in background are Blooded Ones, Lords of Skulls, High-handed Slayers and War Given Form). Of all the Daemons, they bear the greatest resemblance to stereotypical demons (Baphomets), having a human body, cloven hooves instead of feet, leathery bat-like wings and horned dogs-heads. An earlier model of the Bloodthirster replaced the dog-head with an ugly human face, but recently the model has gone back to its canine-featured roots. They wield a fiery whip and a massive two-headed battle-axe (possessed by another Bloodthirster in earlier editions) simultaneously in battle. They are the most combative of all Daemons.

The Daemons of Khorne are called Bloodletters, ugly, horned humanoids with cloven hooves who tote blood-drinking battle-axes or swords.

The Daemon Beasts of Khorne are Flesh Hounds, monstrous and ferocious, pseudo-canine creatures notorious for their ability to track down their chosen prey.

Champions of Khorne, whilst being bloodthirsty combat specialists, are often seen riding Juggernauts of Khorne into battle. These mounts are part daemon,and part hell-forged brass machines. They are capable of charging through their prey without pause, causing mass carnage equal to that of the champions on top, who are probably taking skulls by the second with their chain-axes.

Khorne's Sacred Number is eight and, where possible, his warriors will form up into squads of this number. Khorne's colors are blood red, black and brass.

Dusk Raiders

Prior to the Emperor's discovery of the Legion's Primarch, they were known as the Dusk Raiders Legion. Their signature strategy had been to attack their foes at nightfall. The Dusk Raiders' armour was unpainted, but with their right arm and both shoulders coloured crimson. This was done with the intent to show their enemies that they were the Emperor's red right hand, relentless and unstoppable. Many enemies simply threw down their weapons at nightfall so they didn't have to fight the terryfying Dusk Raiders.^1a

Death Guard

When Mortarion was found by the Emperor upon the troubled world of Barbarus, he was swiftly given control of his Legion. Upon first seeing them he told them, "You are my unbroken blades. You are the Death Guard." The Legion's name was then changed in accordance with this decree,^1a and Mortarion's words engraved above the airlock door of the Battle Barge Reaper's Scythe in honour of the moment. Their armour's colour was changed, and whilst their main armor remained unpainted, the trim colour became dark green.

Pre-Heresy Organization

Before the Horus Heresy, the Death Guard differed from the other 17 known Legions in that they had only seven Great Companies, although these held far more men than those of other Legions such as the Ultramarines or Space Wolves. There were three privileged titles held by captains of the Death Guard. The captain of the First Company was known as the First Captain, the captain of the Second Company was known as Commander, and the captain of the Seventh Company was known as Battle-Captain.

The Death Guard tended to be organised into units of foot-slogging infantry, rather than mechanised squads. Mortarion ensured that his men were well-equipped and highly-trained. He also ensured that they could fight in almost any kind of atmosphere, and placed little emphasis on specialised units using jump packs or bikes. The Death Guard did not have dedicated Assault and Tactical Squads. Every Marine was equipped with a bolter, bolt pistol and close combat weapon and told to fight with whatever weapon circumstance dictated. The Legion was also well known for its use of Terminator Armour. Possibly as a result of this, the Death Guard were highly successful at high-risk boarding and close-quarter operations such as space hulk clearance.

At the beginning of the Horus Heresy, many Death Guard who remained loyal to the Emperor were massacred on Isstvan III by their fellow Space Marines, including Captain Ullis Temeter.

Pre-Heresy Death Guard Space Marine Squad

A number of Death Guard Marines, and one Luna Wolf who renounced his Sons of Horus status, led by Battle-Captain of the 7th Company Nathaniel Garro, remained loyal to the Emperor. They formed part of the crew of the Eisenstein, a frigate which ran the Traitor blockade in the Isstvan system in order to bring news of Horus' descent into Chaos to the Emperor on Terra.

After Horus' defeat, Mortarion led his Death Guard in a campaign of destruction over a score of planets, until finally retreating into the Eye of Terror. Here he received Nurgle's ultimate reward and became a full-fledged Daemon Prince, ruling over one of Nurgle's greatest Plague Worlds in the Eye of Terror. Mortarion sends out fleets of Plague Ships into the Warp to carry their contagions throughout the galaxy.

Organisation

Plague Marines

A Death Guard force is largely made up of Plague Marines, and still follows the doctrines that their Primarch Mortarion taught them. Their tactics are based on the use of foot-slogging infantry, and the hardy use of their Bolters. Any vehicles that were in possession of the Death Guard at the time of the Horus Heresy have since fallen into disrepair, or have been commandeered by cheeky Nurglings.

The Death Guard make full use of Nurgle's gifts, spreading turmoil, advancing solidly amidst a mist of choking disease, surrounded by Nurglings at their feet and summoning horrific Plaguebearers from the Warp. In larger battles where the outcome is of dire importance, a decaying Daemon Prince may take the reigns of the army, or a Great Unclean One may posess a Champion.

The Death Guard organizes squads by multiples of seven, based on the sacred number of Nurgle.

Warhammer 40,000 (informally known as Warhammer 40K or just 40K) is a tabletop miniature wargame produced by Games Workshop, set in a science fantasy universe. Warhammer 40,000 was created by Rick Priestley in 1987 as the futuristic companion to Warhammer Fantasy Battle, sharing many game mechanics. Expansions for Warhammer 40,000 are released from time to time, often to facilitate a certain sort of game, such as Cities of Deathand Apocalypse, which give rules for urban and large-scale combat, respectively. The game is currently in its fifth edition.

Players assemble and paint individual 28 mm (1.1 in) scale (approximately 1:56) miniature figures that represent futuristic soldiers, creatures and vehicles of war. These figurines are collected to comprise squads in armies that can be pitted against those of other players. Each player brings a roughly equal complement of units to a tabletop battlefield with handmade or purchased terrain. The players then decide upon a scenario, ranging from simple skirmishes to complex battles involving defended objectives and reinforcements. The models are physically moved across the table and the actual distance between models plays a role in the outcome of combat. Play is turn based, with various outcomes determined by tables and the roll of dice. Battles may last anywhere from a half hour to several days, and battles may be strung together to form campaigns. Some game and hobby stores host games periodically, and official tournaments are held on a regular basis.

Warhammer 40,000's gothic space fantasy setting spans a vast fictional universe. Its various factions and races include the Imperium of Man (the human race 38,000 years hence), the Orks(similar to Warhammer Fantasy Orcs), and the Eldar (similar to Elves in Warhammer Fantasy Battle). These races, along with their playing rules, are covered in the game's rule books and supplemental army codexes, along with articles in the Games Workshop magazines, White Dwarf and Imperial Armour. Lines of these miniatures are produced by Citadel Miniatures and Forge World.

The Warhammer 40,000 setting is used for several related tabletop games, video games, and various works of fiction, including licensed works published by Black Library, a subsidiary of Games Workshop.