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Debt Consolidation With a Cash-Out Refinance
August 21, 2000 ?I need $50,000 to refinance credit card debt.  Is it better to refinance my existing mortgage (with a balance about $140,000) into a new $190,000 mortgage, or should I borrow the extra $50,000 with a home ... more...

Cash-out Mortgage Refinance or Home Equity Loan?
Column Delivered August 21, 2000, Revised September 6, 2002 ?I need $50,000 to remodel my house.  Is it better to refinance my existing mortgage (with a balance about $140,000) into a new $190,000 mortgage, or should I borrow the extra $50,000 with a home equity loan.? ... more...

architect adding second story related definitions

Second Home, Vacation Home
Second Home Second home is a seasonally occupied property that is not the primary residence of the owner. Such residences are usually found in areas with substantial opportunities for recreation or tourist activity. Second Home As Investment However, when market is ... more...

Second Mortgage, Home Equity Loan
Second Mortgage, Home Equity Loan A secured loan (mortgage) that is subordinate to another loan against the same property. More specifically, the second loan in sequence. Generally, second mortgage hass a higher interest rate and with shorter terms than a ... more...

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Guide to Lubeck, Germany
Unique pointsLubeck is a charming Hanseatic city, surrounded by a canal and a river. It has plenty of parks trees and open spaces. The best known symbol of the city is the Holtesten gate, built in 1477. Unfortuntately the gate was covered in scaffolding during my visit in June 2005, so I ... more...

It's A Wonderful Movie
It's A Wonderful Life (1946) began as a short story called "The Greatest Gift". Writer Philip Van Doren Stern was unable to sell it to a publisher, so he sent the tale out as a long Christmas card to friends. His agent subsequently sold the fable to RKO pictures, where it went through several ... more...

Now's The Time To Get Christmas Media Coverage
Publicity seekers know that Christmas can provide a bonanza of media coverage. Every media outlet, it seems is cranking out a special edition on gifts for the winter holidays. So, Christmas is the time to get ink for your product.For many of these opportunities you need to be thinking at least six ... more...

The Sources Of Income Taxable Under Central Excise Duties
Electronic access to professional adviceThere are various categories of professions which perform their consultancy like a consultant, lawyer, doctor or other professional service provider advises customers through email, chat rooms, video conferencing, or other remote means of communication. These ... more...

Ammo, Ammo, Ammo
All the guns in the world do you no good without bullets. It is the same with media relations: You must have the right ammo to get publicity. Let's take a look at some PR bullets you may want to consider.Of course, the old standby is the news release, which can be issued for new products and ... more...

Screenwriting: The Incredibles (2004) Deconstructed
From our deconstruction of hundreds of Hollywood blockbusters at www.managing-creativity.comThe Hero's Journey is the template upon which the vast majority of successful stories and Hollywood blockbusters are based upon understanding this template is a priority for story or screenwriters.The ... more...

125% Home Equity Loans
Home equity loans are second mortgages and involve borrowing money against a home's equity. In most cases, homeowners obtain loans that correspond with their home's equity. However, it is possible to acquire a second mortgage for more than a home's worth.What is the 125% Home Equity Loan?The 125% ... more...

Debt Consolidation - Consolidate Your Loans Through A Home Equity Loan
If you are thinking about using the equity in your home to consolidate your loans and take control of your debt, then you have a few different options available, with considerable different and terms and conditions. Before committing to a certain path, do some research and educate yourself on the ... more...

When A Two-Salary Income Fails
While this may not apply to everyone, you may find that a second salary brings in substantially less than you thought it would. In the beginning, Rachael thought that since she and her husband were just about breaking even as a couple, that staying home with the new baby would not work -- infant ... more...

Finding the Lowest Rate 2nd Mortgage Or Home Equity Loan
Finding the lowest rate second mortgage is just a matter of picking the right loan and the right lender. To ensure low rates on a home equity loan, start by checking out your credit report. Then pick low interest loan terms and start asking for quotes. In no time you can sift through the ... more...

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