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Get Your Home Ready To Sell With A Home Equity Loan
Posted by nick_niesen on October 29th Ricky Vaughn Indians Jersey , 2010
Preparing your home for sale in the near future may mean that you need to fix the place up before you sell it. If you have some major work that needs to be done to it, you may want to consider getting a home equity loan to pay for it. Here are some reasons why a home equity loan is a good option to get the money you need to fix it up.
Lower Cost
A home equity loan allows you to tap into the equity in your home. It is also looked at as a second mortgage and will provide you the funds you need to complete your home's preparation for sale. Getting a loan this way provides you with a lower interest rate than most other type of loans, or credit cards.
Get As Much As You Need
Before you set out to get your money, you will need to know how much you want to get. Even before you do that, though, it would be a good idea to find out if the project you have in mind will actually increase the value of your home. If you are looking to raise the value of your home Satchel Paige Indians Jersey , talk with a Realtor or contractor beforehand, because some projects simply will not raise the value very much.
A home equity loan provides you with a one-time amount, so you will need to know what it will cost beforehand. If you are not sure of the cost, perhaps a home equity line of credit may be the better way to go for you. This will give you a line of credit, and access to it so that you can draw out money, as you need it.
Fixed Interest Rate
A home equity loan will usually have a fixed interest rate. This allows you to know exactly what your payment will be from the start. Since you are planning on selling your home as soon as possible Jim Thome Indians Jersey , you want to keep your payments as low as possible. You will want to keep in mind, though, that a second mortgage does mean an additional payment - at least until sold.
Keep Payments Low
With a home equity loan, you are able to get low payment terms that will not fully amortize the loan. This usually requires a balloon payment at the end of the loan in order to fully amortize it. Since you are only borrowing the money for a short term, though, this would enable you to pay the least amount until your house sells. Then you can make your payment in full.
Make sure Manny Ramirez Indians Jersey , though, that there are not any early payoff penalties on your home equity loan. This will allow you to pay the least and get the most for the short term. You also want to get a few quotes for your home equity loan and look around for the best deal. Compare the various offers you receive and find out which one will work best for your situation.
The Purpose of Shame Self Help Articles | December 25, 2005
Have you tried unsuccessfully to heal your shame? Discover how shame and control are intricately tied together, and that when you give up your attachment to control, you will find your shame disappearing.
Many people on a healing path have found it extremely challenging to heal their shame. Yet when you understand the purpose of shame, you will be able to move beyond it. Shame is the feeling that there is something basically wrong with you. Whereas the feeling of guilt is about DOING something wrong Eddie Robinson Indians Jersey , shame is about BEING wrong at the core. The feeling of shame comes from the belief that, ?I am basically flawed, inadequate, wrong, bad, unimportant Bob Feller Indians Jersey , undeserving, or not good enough.? At some early point in our lives, most of us absorbed this false belief that causes the feeling of shame. As a result of not feeling seen, loved, valued, and understood Larry Doby Indians Jersey , we developed the belief that we were not being loved because there was something wrong with us. While some children were told outright that they were not okay ? that they were stupid, bad, or undeserving ? other children concluded that there was something wrong with them by the way they were being treated.
Once we establish our core shame belief, we become addicted to it because it serves us in two primary ways:
1) It gives us a feeling of control over other people?s feelings and behavior. As long as we believe that we are the cause of others? rejecting behavior, then we can believe that there is something we can do about it. It gives us a sense of power to believe that others are rejecting us or behaving in unloving ways because of our inadequacy. If is our fault, then maybe we can do something about it by changing ourselves Omar Vizquel Indians Jersey , by doing things ?right.? We hang on to the belief that our inadequacy is causing others? behavior because we don?t want to accept others? free will to feel and behave however they want. We don?t want to accept our helplessness over others? feelings and behavior.
2) It protects us from other feelings that we are afraid to feel, and gives us a sense of control over our own feelings.
As bad as shame feels, many people prefer it to the feelings that shame may be covering up ? loneliness, grief, sadness, sorrow Carlos Baerga Indians Jersey , or helplessness over others. Just as anger may be a cover-up for these difficult feelings, so is shame. Shame is totally different than loneliness or grief or helplessness over others: While shame is a feeling that we are causing by our own false beliefs, loneliness, grief, sadness, sorrow Kenny Lofton Indians Jersey , or helplessness over others are existential feelings - feelings that are a natural result of life. We feel grief over losing someone we love, or loneliness when we want to connect with someone or play with someone and there is no one around or no one open to connection, love or play. Many people would rather feel an awful feeling that they are causing, rather than feel the authentic painful feelings of life.
If you are finding it difficult to move beyond shame, it is because you are addicted to the feeling of control that your shame-based beliefs give you ? control over others? feelings and behavior and control over your ow. Wholesale Nike Air Max Jordan 1 Shoes For Sale Nike Air Max 2017 Sale Cheap Jerseys Cheap Jerseys Cheap NFL Jerseys China Wholesale NHL Jerseys Cheap NFL Jerseys China Cheap NFL Jerseys China Wholesale Nike NFL Jerseys |
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