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What Is Home Equity Loan

In its simplest definition, home equity loan means using your house equity as collateral in order to borrow money. Collateral means your house will act as a guarantee. In the case if you cannot pay the loan or defaulted too long on payment, the lender has the right to sell the house to get back the loan.

The word equity simply means how much the house is worth minus the mortgage you currently owe.

There are two types of equity loan

1) Home Equity Loan

A home equity loan is a one off lump sum of money when you take up a loan. Usually, the loan period is between 5 to 30 years and the interest rates are fixed. The payment amount per month is fixed as well.

2) Home Equity Line Of Credit

A home equity line of credit allows you to borrow a fixed amount of money for the life of the loan. You do not need to take a lump sum loan at once since you can withdraw any amount of the loan when you need it. In a sense, it works like a credit card.

The interest rate for a home equity line of credit is variable and will rise and fall during the loan period. Payment per month depends on the total sum loaned, the interest rate and whether your credit is in the payment or draw period.
During equity draw period, you can decide whether to pay the principal loan amount or the minimum payments to cover the interest.

For equity line of credit, the loan period is usually shorter than home equity loan. Usually, it is between 5 to 15 years. During this loan period, you will not be able to increase the loan or repay the balance left in the loan. Do note, there is usually a minimum amount whether you decide to withdraw some money from the loan.

As you see, an equity loan line of credit has greater flexibility compared to home equity loan. However in both cases, if you decide to sell the house before the loan is fully paid, you are required to pay the balance immediately.

Ricky Lim works in a finance company specialising in Home Equity Loans. Visit his site for countrywide home loans rates and free home loan calculator

How the Tax Break from Car Donations Works

Have a car or a truck that you want out of your garage? Want to get that heart warming feeling of having helped the needy? And last but not the least, want to pay less in taxes this year? Well, you can do all three at the same time! Just go ahead and donate that old car to a charity.

The charity can then go ahead and do any thing with the automobile sell it, use it for not for profit activities or even give it away to a needy individual. Whatever it does with the car, it has to be in accordance with the norms laid down by the IRS to benefit you (in terms of taxes). The organization has to justify the sale or re-donation of the donated vehicle. The donor has to be forwarded complete details about what the charity ultimately did with the car. This documentation has to reach the donor within 30 days of the donation being made. Thereafter the donor can submit the papers to IRS and claim a tax break.

Though this might look quite exciting, there are some ground rules that one has to keep in mind. First and foremost there is a threshold value of $500 set by IRS. What this means is that barring few exceptional cases, taxpayer can deduct no more than this amount from his taxable income even if the fair value of the car is higher. However, if the charity manages to sell the car at a price which is higher than the threshold price, all that the donor has to do is collect documents from the charity giving all the details and submit same to IRS and avail a higher deduction.

The $500 rule also states that if the fair price of the automobile is higher than the set threshold value but the charity manages to sell it at a price lower than $500, the taxpayer still gets to deduct $500 from his taxable income.

What happens if the fair price of the donated automobile is less than $500? In this case the taxpayer gets to deduct only the fair price amount from his taxable income.

What if the charity does not sell the donated vehicle within the stipulated 30 days and decides to use the same for humanitarian or public service activities for a couple of months and later decides to sell the car at a price that is higher than the threshold price? Here the donor can actually claim deduction at the fair market value as long as the charity is able to provide the donor with relevant documents pertaining to the selling price as well as how the auto was used for nonprofit works before the sale.

So, if you have a station wagon lying unused and unwanted in your garage after you bought your new shiny wheels, go ahead and donate it. Just make sure to follow the rules when you claim the tax deduction!

Brad Davis recommends that you visit http://www.specialkidsfund.org/donate_a_car.htm for more information on car donations.

Sell Used Car Parts

Used car parts are available in the flea market, salvage yards, and used car parts stores. Some sites on the Internet cater to the needs of those people who want to buy or sell used car parts. Auto parts can be also be sold on the Internet and to salvage yards. Salvage yards usually buy the sheet metal bodies and other working parts of automotive vehicles.

A web site can be created on the Internet to sell used car parts and the cost for the site can be very cheap indeed. Web sites can be created for as less as $ 5. The parts can be sold as-is, that is in damaged condition, provided the seller explicitly states that the parts are damaged.

Used car parts can be sold from home by just giving an advertisement in a newspaper stating the details of the part that is to be sold. Used car parts such as armrests and seat covers are sold on the Internet. Many people readily agree to buy such stuff. Making an alliance with used car parts recyclers can also help a seller get an appropriate price for car parts that he wishes to sell.

Used car parts can also be sold on the Internet to big companies that, in turn, sell car parts to the public via the Internet. The price can range from $0.40 to $400 depending on the part that is to be sold. Used car parts can also be sold in auctions if the car is a vintage or a classic. Auction prices are much higher compared to prices in the normal market and the seller can expect a good return for any vintage part that he sells.

Car parts that are used can also be sold on junkyard forums that is a market place on the Internet for buying and selling used car parts. Brokers who deal in used car parts can be found in the yellow pages and sell any part for a commission.

Used Auto Parts provides detailed information on Used Auto Parts, Sell Used Car Parts, Used Race Car Parts, Used Car Parts For Sale and more. Used Auto Parts is affiliated with Discount ATV Tires.

Mortgage Refinancing

Homeowners who have debt problems and want to know if there is something they can do to get a lower monthly payment on their mortgage can, however they must do certain things.

Mortgage Refinancing Tips

The best way to get a lower monthly payment is by mortgage refinancing. Mortgage refinancing will get you a lower monthly payment, however you might have to pay off your complete mortgage faster once you have secured a better type of payment.

What do you look for when mortgage refinancing? Try to use the tips below to get the finest mortgage refinance.

Complete a pre-approval with different mortgage refinancing lenders. Applying for pre-approval with different lending company will give you great prices to get you the finest rate available. When completing this part, make sure these refinancing lenders are not reviewing your credit history. Save your credit pulls for the lender, which can provide you with a mortgage refinance quicker. When analysing your credit score, your score suffers. Too many pulls will stop you from getting the finest rates on a mortgage refinance. After shopping around, authorise only the firms that can give you the best mortgage refinance rates to increase your credit.

Pre-pay penalties can be a bad start, make sure this is all clear before you start. Many homeowners choose a mortgage, which includes early pay penalty clauses and pre-payment. This penalty may change; it normally amounts to around six months of your mortgage loan's interest. You might choose to do mortgage refinancing which has these types of penalties, it is important to make sure you have enough funds to cover them.

Always keep your eye on interest rates and closing costs. A lender might provide you with a lower monthly payment through mortgage refinancing; this cannot always be the best way forward. If closing costs or interest rates are at its peak, avoid the lender with any question. This is what companies base their decision on when making a final decision.

Putting everything in writing can be a good idea. After deciding on a mortgage-refinancing lender, it is important to get your mortgage refinancing terms written down on paper, all interests rates and closing costs especially. Always ask about pre-pay penalties and any other types of penalties, which might be associated with the mortgage refinance. Generally, lenders try avoid giving certain information out if they feel it could break a deal.

For a Mortgage Quote that compares the Top mortgage providers in the UK, please visit http://www.mortgagequotes.me.uk

What if All Cars Got 100 Miles Per Gallon

What if cars got better mileage? What if they got on average 50 miles to the gallon or even one hundred miles to the gallon? Can you imagine the difference on the American Family who is now paying on average one hundred dollars more per week for their fuel? Can you imagine how much you personally would save? What do you think the amount would be? If your car gets twenty-five miles per gallon and all of a sudden you started to get one hundred miles to the gallon that is four times as much isnt it? Wouldnt that be good? That could amount of money would you save? It would be the same as cutting the cost per gallon by 75%.

What if we introduced new materials to make cars lighter so they got about 40% better mileage? What if we had better and more efficient engines, which picked up another 30% fuel efficiency? What if we took our present technologies and got them into the new cars starting this year? What if we took all of our aerodynamic knowledge and put them into every new car to increase the efficiency and fuel economy by another 15%? What if you were careful about the way you drove and did not step on the gas pedal as much? What if you used cruise control as much as possible? What if you coasted to the stops and then only slowly accelerated and increased you fuel economy by 15%? Well so far we have got 50 miles to gallon from your 25 miles to the gallon and we are already half way there. Think on this.

"Lance Winslow" - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/. Lance is a guest writer for Our Spokane Magazine in Spokane, Washington

How To Pick The Right Home Equity Loan Product For You

Home equity loans have a variety of options to help fit your budget needs. So you can find closed, fixed rate home equity loans or a flexible line of credit with adjustable rates. Rates and fees vary according to the loan product you select. So make sure that you pick the right credit for your situation.

1. Know The Cost Of Credit

Before you select a home equity loan, understand the costs involved. You can easily find information on lender sites. They will post general rates, along with information on fees and payment schedule.

In general, closed home equity loans, also called second mortgages, have fixed rates with their set payment schedule. Closing costs are moderate, but you have protection for rising rates.

A line of credit has higher rates, but few, if any application fees. For the first five years or so, you just make interest payments on the amount you have used.

The other option is to refinance your first mortgage while cashing out your equity. If you were already planning to refinance, this can qualify you for a lower rate and save you money on closing costs.

2. Identify Your Purchase Goals

The type of purchases you plan to make with your home equity loan will also help you determine which is the best home equity loan for you. For large fixed purchases, like a remodel, a closed home equity loan works best. Lines of credit works better for small purchase over time or as a source for emergency cash.

3. Plan For Repayment

Home equity loans also have different payment plans. Closed loans require you to pay both interest and principal payments. Lines of credit only expect interest payments, at least for the first few years. After that your loan can be refinanced into a closed loan or be required to make additional principal payments.

The length of your loan should also be taken into consideration. With the closing costs of closed loans and cash out refi, you will need to keep the loan for several years to recoup the costs, even with their lower rates. But if you are planning to move soon, a home equity line of credit could be a cheaper source of credit.

See our resources for more information on a Second Mortgage and Home Equity Loan or for a House Mortgage Refinance.

Mortgage Refinance and Credit Repair

Million of Americans have credit problems. Those who own homes can use a mortgage refinance to help with credit repair. Mortgage refinance involves taking out a new mortgage to pay off the original loan. Depending on your equity, the new mortgage can be for more than the amount of the old loan. This money can then be used to for debt consolidation, which can improve your credit rating.

The mortgage refinance business is very competitive. Make sure you dont get conned by unscrupulous lenders. Jack Guttentag, the Mortgage Professor, cautions, The refinancing market is something of a jungle, but you are safe if you observe one basic principle: You cannot save money on a refinance unless the interest rate on the new mortgage is below the rate on the existing one.

Some con artists will show you that your total interest payments will decline if you refinance into their higher-rate loan. However, they get that result by assuming that you will repay your new mortgage (but not your old one) on an accelerated (biweekly) schedule.

Some others get (a lower) result by extending the term. If your current mortgage does not have many more years to run, an extension of the term can reduce the payment by more than the higher rate increases it. If you do it, you pay for it big time in the form of a higher loan balance in future years.

To learn about two other steps you can take to help with mortgage refinance credit repair or to receive a free mortgage quote, visit Bad Credit Mortgage Refinancing Now, a site that can help you determine if refinancing makes sense for you.

Mike Hamel is the author of three business books and several articles about mortgage financing. His material is featured on sites like Bad Credit Mortgage Refinancing Now.

South Carolina Home Equity Loans Home Equity Loans Explained

When you are a homeowner, most of your cash is tied up in your biggest asset- your home. While this may seem inconvenient, the fact of the matter is that this money is easily accessible. All you need is a South Carolina home equity loan.

Home Equity Loan Basics

As you make payments on your mortgage loan, you build equity. Your equity can also increase as home appreciation values rise. Even though this equity is tied up in your home, it is your money. If at any time you decide you need this money, all you have to do is go to a lender and ask for a home equity loan. Qualifying for the loan is a simple process no matter what your credit looks like. In most cases, terms are flexible, allowing you to decide how much time you want to take to pay back the loan.

Spending Your Home Equity Loan

The amount of money that you will be allowed to borrow when you get a South Carolina home equity loan depends on how much equity you have built up in your home, as well as the lender you choose. Traditional lenders allow you to borrow up to 80 percent of your home's value. More flexible lenders may let you go as high as 125 percent. Though most South Carolina borrowers spend their home equity loan on home improvements, debt consolidation, and college tuition, you are allowed to spend the money on anything you wantno questions asked.

Home Equity Loan Rates

Current interest rates on South Carolina home equity loans average 7.44 percent. The rate you are required to pay will depend on a number of things including the size of the loan, your credit history, the amount of equity you have, and the lender you choose. To find the best rate, you should get quotes from several different lenders.

Visit South Carolina Lending Center to see our Top 3 Home Equity Lenders in South Carolina, whether you are looking for home purchase, refinance or a home equity loan.

Equity Release - Your Friendly Scheme In Your Hard Times

If you are among those who own a home in the UK, but are facing a shortage of cash in your old age, you can avail to this scheme of equity release. This scheme provides for unlocking the equity in your house. So you convert fixed assets into flowing cash which can be used for fulfilling your daily needs. You can also overcome the financial difficulties you might be facing due to debts.

The equity release scheme takes care of all your financial needs during your lifetime. You can spend the rest of your life without financial worries, because you do not have to pay in cash while the time you live. This is so because by this scheme, there is a a clause which allows you to pay in the form of property value equivalent to what you owe. The only exception to this is when you move out of your house. Thus you can use the loan amount for as long as you live without the headache of paying monthly installments or for that matter, paying at allin cash till you are alive.

Further advantages of this scheme is that the interest rates are further negotiable. That is, in case, the market rates fall, the homeowner can ask for lower rates of interest. You can avail the help of financial experts as well as of the providers of equity release who can guide you in all matters related to financing your old age and whether equity release is a beneficial scheme for you. One major consideration is determining whether the loan amount you are offered is at par with the inheritance value of your property.

There are reports that more and more people are opting for this product as to make things easier in their old age. With increasing knowledge and transactions, the popularity of equity release as a reliable scheme is expected to rise further.

The author is a real estate specialist and through his writing has given guidance to many people who are in search of buying or selling property. He is currently associated with VIP Services. VIP Services delicately focuses on helping people selling or buying houses within a short span of time and that too in cash. For more information on about vip-service please visit equity release