Mom and her 13 week old puppies on borrowed time, begging to be saved from deadliest shelters

When considering applying for an equity release plan, it is vital that you ask the various advisors certain questions. If you don't get all the relevant information, you won't be able to make an informed decision. When it comes to a long-term decision like an equity release plan, it's essential that you know what you are agreeing to and how it will affect your future.

The first step is to meet with several independent financial advisors. An independent advisor can provide you with unbiased information and details on various options. Different advisors may have different opinions regarding your financial situation and it's good to get as much input as possible. Think of it as shopping around for quotations. Just like you would for any significant financial undertaking. Ask each advisor how much you will be able to release against the value of your home and ask them to highlight the differences between each plan. It's not just about the advantages so make sure that they are clear about the disadvantages as well.

Apart from the terms and conditions of the plan, it's also good to understand the fees and charges involved. You do not want to be caught by surprise! These fees often include such things as interest on the equity release amount. In some cases, you can allow the interest to accumulate, and other plans allow you to make regular payments to pay the interest on a monthly basis.

Ask about a "no negative equity guarantee" and make sure that the provider holds all the relevant credentials before you sign. You want to make sure that your finances are in capable hands. In addition, no negative equity means that the amount owing upon conclusion of your plan will never exceed the value of your property. This offers homeowners fantastic peace of mind.

Before signing any binding agreements, you should ensure that you know how you intend on putting the money to good use. Some like to use their equity release to supplement their pension, others prefer to use the money for home renovations, and then there are those who choose to purchase an additional property or second home as an extra investment. By knowing how much you can release, you can plan your future accordingly. You might like to release money based on the full value of your home or you might like to sell just a portion of your property and leave the rest to your beneficiaries.

Get independent financial advice about home equity release.

#A519702 #A519703 #A519705 (Hidden in isolation kennel behind double gates and screens)
So scared. Came in together on 11/13. The black/tan female with the fabulous ears seems to be the protector (probably the mom) of the two puppies...and she appears to have a large tumor hanging from her groin area :(

PetHarbor links:
#A519702 (3 year old female with tumor)
http://petharbor.com/pet.asp?uaid=SBCT.A519702

#A519703 (13 week old female puppy)
http://petharbor.com/pet.asp?uaid=SBCT.A519703

#A519705 (13 week old male puppy)
http://petharbor.com/pet.asp?uaid=SBCT.A519705

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
San Bernardino City Animal Shelter
333 Chandler Place
San Bernardino, CA 92408
Phone Number: (909) 384-1304
Closed Sunday and Monday
Ask for information about animal ID number #A519702 #A519703 #A519705


STATUS : - read comment for update from crossposter
Now that mortgage providers are asking for such high deposits, the price of even the smallest starter home is now out of the reach of many first time buyers. That, plus the fact that house prices are now on the increase again, means that more and more parents are looking to equity release mortgages to provide the cash to give their children a helping hand onto the property market. If you are looking for a way to get your hands on the equity that is tied up in your home, here are the facts that you need to know.

What is an equity release mortgage?

An equity release mortgage unlocks the value that you have tied up in your property and turns it into cash, which can be used for any purpose you choose. Such arrangements are available to homeowners who are age 55 or over and they usually require no monthly repayment, they are repaid from the proceeds of the eventual sale of the property.

Why would you need to use an equity release mortgage?

Over the years, the price of houses has risen fairly steadily, which has led to many older people finding themselves in the situation of having money tied up in their property, but still being unable to afford to help their children buy a property or even pay for their own health care. An equity release plan enables them to realise that cash, but does not require them to move out of their home.

What types of plans are available?

Different providers offer different types of schemes and the main types are as follows. There are home reversion plans, where you sell the property, but you still have the right to live in it. Drawdown lifetime mortgages are schemes where you retain ownership of the property and borrow against the value of the property when you need to and, a simple lifetime mortgage, is one where you drawdown all the equity value in one go. In all cases, the value of the loan, plus the interest, is repaid when the property is sold.

Are there any downsides to equity release mortgages?

Equity release plans used to have a bad reputation because people didn't really understand what they were signing up for. Today, however, they are properly regulated and the terms are well documented by lenders. When you take out a mortgage release plan, you are borrowing money and there will be fees and interest payable. That means that are reducing the amount of money that your family will inherit and the family home will be sold to repay the loan. You should also make sure that any money you receive will not impact on your state benefit payments.

How do you find the best equity release mortgage for you?

As is the case with any type of mortgage, each lender has their own particular schemes with different terms, different fees and interest rates, and different degrees of flexibility. Most schemes will still be available to you even if you are not in the best of health and with many, you can still move home if you wish to. The best thing to do is talk to a financial advisor, tell them about your circumstances and your requirements, and they will be able to recommend the best equity release plan for you.

Life certainly doesn't end at 50 and doesn't get any less complicated either. For more straight talking advice on mortgages and the various types of mortgage interest rates.

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