A home equity loan is simply borrowing on the difference of the value of your home and the outstanding mortgage on the house. Lets say Henry Ellenson Authentic Jersey , you have bought a home worth $50,000 some time back, after making a down payment of $5,000. The value of your home has now appreciated to $60,000. The difference between the present value of your home ($60 Noah Vonleh Authentic Jersey ,000) and the outstanding payment ($45,000) is $15,000. This is the amount of the home equity loan that you can apply for.
Home equity loans are normally called second mortgages, as they are normally for a lesser tenor than an existing first mortgage. However, one "caveat" that borrowers need to be very careful of is that in the event of default Mitchell Robinson Authentic Jersey , the lender can foreclose on the house. Home equity loans have become hugely popular recently because of falling interest rates and tax deductions on interest repayments. Moreover, since a home equity loan has the house as collateral, the interest rates on such loans are normally lower than on other types of loans.
Due to the nature of a home equity loan, borrowers normally belong to the middle-aged bracket earning a decent income. As a result of this, the default rate among home equity loan borrowers is very low.
There are two broad types of home equity loans:
Fixed loans Damyean Dotson Authentic Jersey , which are very good for people who want some discipline in their repayment schedules. These are just like a normal term loan.
Line of credit, (HELOC) which offers more flexibility to the borrower in terms of repayment schedules and floating rate of interest.
So, still waiting to remodel your home or buy that set of wheels? Go for that home loan now!
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Just imagine. You have walked out of a shop or put down the phone after purchasing something and your immediate reaction is ?Wow!? How do you feel? Excited; satisfied; fulfilled ? eager to return and buy again?
Wouldn't it be great if you could get your customers to feel the same way about dealing with you?
Lots of small business owners (and not so small!) seem to think that the customer is merely an interference. But how can you get your customers all pumped up and ready to do business with you again?
I'll share some tips on exactly how you can get a ?Wow!? response and show how it can positively impact your bottom line.
These days too many businesses seem reluctant to commit to anything. As a result, you walk away with a nagging doubt that nothing is going to happen and so the whole experience is not pleasant. What a refreshing change to get a business that provides a firm promise on dates and times or opening hours.
Can you provide a clear promise to your customers? Have a think about each aspect of your business and highlight all your ?promisables? in your sales and marketing material. One great tip ? under promise and over deliver. Promise delivery in 7 days, knowing you can do it in 3 days. When the goods arrived 4 days before expected, that's a ?Wow? factor if ever there was one!
Important point ? if you can't deliver it, don't promise it!
Be a Tigger
Remember Tigger from Winnie the Pooh? He's all over the place; bouncing up and down with endless energy and enthusiasm. He just leaves his friends breathless! What a great person to be with and do business with.
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