Building Low Maintenance And Energy Efficient Homes

Planning for a new house can be a very exciting and fun experience for many new homeowners. The idea of finally having your own house can keep you real awake most of the nights. Whats good about building a new house is that you can have everything done based on your own specifications and personal style. Most house builders are very versatile and are particularly keen on giving in to the wishes of their clients; they are ready to experiment based on the desires of their clients and they can custom-build a house from the ground up.

If you are looking forward to have a house thats low in maintenance and energy efficient, you should discuss these with your chosen construction company. These features can be easily integrated in your house by reputable new home builders from the start of your construction project. This will enable your builder to make appropriate provisions in the heating and cooling systems of your new house. In addition, fixtures and exterior planning can also be made to conform to your desired home features. House builders employ several tested and proven techniques to give you an energy-efficient yet comfortable house.

Proper insulation of walls and floors can even out the circulation of temperature in your house. As a result, you will enjoy more comfort inside your house regardless of the frequent changes in the outside temperature. In the long run, you will also enjoy accumulated savings resulting from reduced energy usage. There are different insulation materials that new home builders can use like fiberglass, foam and recycled plastic.

Use of energy-efficient windows with durable frames and special coating can effectively maintain the heat inside the house during winter seasons. The same high-performance windows can keep the hot temperature from entering the house during summer days. Ask your new home builders to install this type of windows as they are also useful in blocking ultraviolet rays of the sun. If you have this type of windows, you can rest assured that your home furnishing will not fade easily and would not require high maintenance costs in the future.

Experienced house builders will be able to advise you to use modern heating and cooling systems. Compared to older and traditional systems, these energy-efficient systems are quieter and able to prevent too much humidity inside the house. In addition, these modern heating and cooling systems are less costly and more efficient to use. Proper installation of these systems can significantly reduce your household energy requirements.

These days, its easy to find household products and fixtures that are intended to reduce energy consumption and, in effect, maximize financial savings. Take advantage of these products like light bulb, electric fans and other kind of appliances.

Refinance Rip-Offs 6 Easy Ways to Avoid Them!

Refinancing can be frustrating when, after all is said and done, you find you’ve been ripped off! Here is an easy guide to help you save your money and have peace of mind.

It’s so easy today to lose money unnecessarily when you refinance. Hidden fees and penalties, terms you did not completely understand or a hard core loan officer who avoids issues you may have can create headaches you don’t need! Let us show you how to easily protect yourself and come out way ahead.

Knowledge Going In…

Go online and browse for major lender websites like Bank of America, World Savings, Indymac Bank, etc. Every one should have full descriptions of refinance programs currently available. Look through the fixed rate and adjustable rate mortgages and get a good understanding of how they work. These big lenders spend a lot of money on easy explanations of their mortgage refinance programs. Take advantage of them.

Making Contact

In talking with a lender, make sure the loan officer doesn’t avoid any of your questions. If they get off track and evade issues, move on to the next lender! And ALWAYS get a good faith estimate and full details of the loan program you are interested in before making any decisions to proceed with them. There will always be questions once you see these that may give you pause.

Don’t Let Them Pull Your Credit Report Yet

If you give every home mortgage refinance company a green light to pull your credit, this can affect your score negatively. Wait until you find the company you trust with the program you want. They need a good idea of how your credit is to quote you properly. You can call the major credit reporting agencies and request a copy of your credit report and then fax it to them, or, have them send you a Borrower Authorization Form which gives them permission to pull your credit.

Go Over The Fees

The fee schedule in a refinance can often include bogus fees- fees made up to inflate the profit of the loan officer. Only pay for necessary fees. Go over it carefully with them. And remember- the origination fee is always negotiable!

Careful of the Prepay Penalties

There is always the possibility of prepay penalties, especially with adjustable loan refinance programs. The term of the prepay can be reduced or eliminated by paying some points. But if it’s a great loan that suits your purposes, then save your money. Most prepays are 2 to 3 years in length. Most people refinance every 4-5 years.

The Final Approval

Once the lender has received your full refinance package and appraisal, upon approval of your loan, ask to see the fee schedule from the lender. Make sure again that there are NO junk fees.

A Final Note…

When looking at loan programs, there are all kinds with different advantages and disadvantages. TAKE YOUR TIME! Make sure you discuss with your loan officer ALL the possibilities. For instance, an interest only option might be available, or a longer term on the limited fixed rate program might be better for you. If you follow these 6 simple steps we’ve outlined, you will come out way ahead and save yourself time, aggravation and most of all…MONEY!

Sbi Gold & More Card Gets More Golden

Good news galore for all SBI Cardholders!SBI Gold & More Card now gets even more golden with the SBI Cards Gold & More Extravaganza.
SBI Gold & More Extravaganza is a bouquet of the best offers in shopping, travel, entertainment and dining with some of the best brands in the segment. SBI Gold & More Cardholders can enjoy exciting offers and discounts all through the month only with their SBI Card.With the Extravaganza SBI Gold & More Card once again delivers on its promise of Shop Smart, Save Smart.

Shop till you drop with the SBI Gold & More Shopping extravaganza. SBI Gold & More customer will enjoy 5% instant discount on Select Super Saver offers at Big Bazaar and Food Bazaar from the 1st to the 8th of every month. They will also enjoy w whoppingupto 55% discount on selected merchandise when they shop at Futurebazaar.com. So continue to shop smart with your SBI Cards and enjoy great savings.

Its time to indulge the foodie in youwith the SBI Gold & More Dining Extravaganza offers. SBI Gold & More customers can now avail of the best deals on dining at top restaurants and cafes in their cities like Mainland China, Oh Calcutta, Sigree, Pizza Hut and Barista.

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With the great deals and offers on SBI Gold & More Extravaganza, SBI Gold & More cardholders now get a great and power packed addition to the SBI Gold & More Card. Shop More & Save More with your SBI Card.

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Infinite Banking – Scam Or Serious Investment Tool

As a financial concept growing in popularity and demand, the Infinite Banking System is beginning to receive a backlash of negative criticism. There are those that say infinite banking is a scam. But those who do so misunderstand the concept of what is being sold.

The Infinite Banking Scam
Let’s start with what this system is not. It’s not a product that you can buy on the Internet. It’s not a get rich scheme. And it’s not for everyone. Those who claim there is an infinite banking scam misunderstand the premise of what perpetual banking is all about. The truth is, the basis for this system is not even a new product. It is an established, proven product that is being used in a new and innovative way.

The Infinite Banking System is a philosophy of personal banking founded on a properly structured, dividend-paying whole life insurance policy. As a financial tool, whole life policies are a proven product. Historically, insurance companies have been one of the safest places for your money. Life insurance companies invest in very safe financial instruments such as bonds, which means lower investment risks for policyholders.

So Why Isn’t Everyone Doing It?
At the core of the Infinite Banking Concept is the idea that you become your own banker. Doing this requires commitment to the idea, and discipline in carrying out the practices of Infinite Banking.

The Infinite Banking System means you are the Saver, the Borrower and the Banker of your own bank. You save money with your bank, you can borrow money from your bank (on terms that you set) and you pay the bank (yourself) both the money borrowed and interest on that money – meaning you are making money by financing yourself. Your “bank” is based and financed by your dividend-paying whole life insurance policy.

When used as a banking application a whole life insurance policy is structured differently than other insurance policies. The policy provides a death benefit to your heirs, but places a greater emphasis on your ability to access the cash value liquidity within your account to finance your life. The amount of the Death Benefit is reduced in order to increase the amount of your policy’s cash value.

Obviously, you could set up this same personal banking system with either a checking account or a mutual fund policy. But the financial gains are limited by the tax consequences of each. A whole life policy offers a bank-like platform but provides some tremendous additional benefits. By using the whole life platform, you benefit from the tax deferred growth of your money, tax-free distributions through your policy loans, and an income-tax free death benefit to your heirs.

The Cost of Infinite Banking
The basis of the system is a whole life insurance policy, and there are initial costs and administrative fees associated with that. Critics of the concept point to these fees as proof of the Infinite Banking Scam.

The truth is, any financial policy or tool will have administrative costs associated with it. With Infinite Banking, this cost is most visible in the first years of the policy when your access to cash values is less than the premiums you deposit. But like all legitimate financial tools, this system is concerned about long-term success and the improvement of people’s lives through financial independence. If policyholders are dedicated and diligent about their commitment to this system of banking, their eventual profits will more than compensate for the upfront cost of the insurance.

Understanding the Financial Industry
We can all agree that financing is a huge industry. It’s also an industry that works to the benefit of the lending institutions, and not to the consumer. Let’s start by pointing out the misconceptions surrounding interest. Individuals are sold on the concept of interest rates. If we get a 5% interest rate as opposed to a 6.5% interest rate, we think we’re getting a good deal.

Financial institutions, on the other hand, are concerned with interest volume. If you’ve financed the purchase of a home, for instance, the Truth in Lending Statement will spell out exactly how much interest you are paying. You may think you are paying 6.5% interest on your loan, but your TIL will show that over a 30-year mortgage you will actually pay double the price of your home in interest. That’s more like 50% interest, not 6.5%. So why do we do it? Because we don’t know a better way.

The Infinite Banking System offers people a better way – a way of breaking this cycle of making money for the banks. Of course, when policyholders are just getting started with the system, they won’t be able to immediately finance a new home. But they can start with smaller, personal loans. And if they are disciplined about paying themselves back, they will soon find they can finance a car purchase, and perhaps eventually a home. In fact, when used correctly, the more loans an Infinite Banking policy finances, the more money it makes for its holder.

The Successful Infinite Banker
The success of this system is predicated on the discipline of the policyholder as his or her personal banker. By borrowing from yourself and paying yourself back you will recapture more of the principal and interest that you normally were sending away. The structure of an insurance policy will reduce the number of payments required to payoff the loan, and by reducing the number of payments, there is an instant gain. More of the payment is applied to principal then interest.

Additionally, with whole-life insurance policies there are no transaction fees and funds are guaranteed to grow on a tax-deferred basis. Distributions from your cash values done as policy loans are tax-free. Withdrawals from the policy are tax-free up to the amount of your basis, or the amount of money you have contributed to the policy.

The Infinite Banking Scam is a fallacy. This is a proven financial tool that can improve the financial lives of those with the discipline and understanding to make it work.

Assam Gramin Vikash Bank – Asomi Mortgage Loan

Government of India through a notification dated 12th January 2006 amalgamated the four Regional Rur…

Government of India through a notification dated 12th January 2006 amalgamated the four Regional Rural Banks sponsored by the United Bank of India in the state of Assam to form Assam Gramin Vikash Bank (AGVB).

The erstwhile RRBs amalgamated were Pragjyotish Gaonlia Bank (Established on 06-07-1976), Lakhimi Gaonlia Bank (Established on 29-07-1980), Cachar Gramin Bank (Established on 31-03-1981) and Subansiri Gaonlia Bank (Established on 30-03-1982).

Thus Assam Gramin Vikash Bank (AGVB) came into existence from 12th January 2006 covering the areas of operation of the pre-amalgamated RRBs. The bank has its Head Office at Guwahati.

Purpose: This is a loan to owners of house, flat or commercial property to meet business/professional or personal purposes.

Eligibility: The applicant must have sufficient regular income to repay the loan and the property should be in his name.

Security: This personal loan is granted against mortgage of property such as house /flat /commercial property.

Arizona Mortgage Mistakes To Avoid For Faster Approval

The decision to buy a home is one of the critical aspects during the lifetime of any person. There can be nothing more comfortable that having a roof on top of your head for all seasons, a haven that you can call your own and a recluse to return to after a long hard days work. The need for a mortgage for purchasing a home cannot be overlooked unless you have inherited millions or are a celebrity. Before the economic slowdown a few years ago, banks and credit unions were more than willing to lend any amount of money towards the purchase of a home; however, today, getting approval for Arizona mortgage from a Tucson credit union is by no means an easy task. With more rejections than approvals in recent times, here are certain mistakes to avoid if you want to get the loan the first time around.

One of the biggest mistakes to avoid while applying for Arizona mortgage is shopping for expensive items. If you are planning to buy a car, an insurance policy and apply for the mortgage from the Tucson credit union all at the same time, the chances of rejection are pretty high. One of the norms governing home loans stipulate that the lender has to take a look at the credit score while either approving or pre-approving a mortgage request. Major purchases have an impact on the score, which in turn influences the lenders decision.

Applying for another line of credit when you are seeking approval for Arizona mortgage from a Tucson credit union is another mistake that needs to be avoided. Whether it is a credit card or any other form of credit, refrain from applying for it unless your mortgage application is approved. Each time you apply for credit, an entry goes on to the credit history which is one of the documents that the lenders go over with a fine tooth comb before approving or rejecting any loan. Any discrepancies on the report will reflect badly on your financial health and reduce the chances of approval.

It is important not to change jobs just before you apply for Arizona mortgage from a Tucson credit union. Lenders look out for stability before giving their nod to the mortgage request. Changing jobs will be taken as a sign of instability and could impact negatively on your application. You will have to submit pay stubs for the last three months from the employer along with the application form. If you do not show continuity in income for the last 90 days, you stand to risk rejection.

Do not limit yourself to just one lender when you are applying for Arizona mortgage. Though banks may be the first choice for many, do not neglect the presence of the Tucson credit union. The latter tend to offer competitive rates and have slightly relaxed guidelines as compared to the banks for mortgages. It is recommended that you apply for preapproval from multiple lenders and then, once you find the home of your choice, opt for the lender offering the most favourable terms.

Adjustable Mortgage Help – How Government Mortgage Programs Can Help Struggling Home Owners

Need Help With Your Adjustable Mortgage?

Alot of home owners across America are looking for help with their adjustable rate mortgage and do not know who to turn to for that help! One of the places that you can go to is the United Stated Government. This article will go over that United States Governments mortgage rescue plan so keep reading and see if it can help you!ou!

What If I Owe More Then The Value Of My House

One of the biggest problems for home owners with ARM home loans is that they owe more on their home then it is worth. This is due to falling property values across the country. Being upside down automatically disqualifies them from a traditional refinance loan. The new government program however lets those people refinance up to 105% of the value of their home. You can only refinance for a fixed rate or lower interest rate and not to get cash out.

Another requirement for this program is that you must have a Fannie Mae or Freddie Mac loan and still have good credit and have sufficient income to pay the loan payments. They will also be fully documented loans, meaning that you must provide all income and asset information to the lender!

What If I Do Not Qualify For That Program

If you either have bad credit or do not have a Fannie or Freddie loan you can still get help from the Government. They have a program called “Make Home Affordable”. It gives cash incentives to lenders to modify a borrowers loan terms and payments to make the home affordable to them and avoid foreclosure.Under this plan the lender can lower your payment to 31%-40% of you income and keep it at that level for up to five years. This plan only modifies your first mortgage and will not affect a second mortgage or home equity loan. Where Can I Learn More About Loan Modifications and Government Loan Programs
To learn about the options you have when struggling with a Adjustable Rate Mortgage and how to get help and keep your home log onto http://www.adjustablemortgageinfo.com/ today!

Penis Exercises Don’t Yank That Thing Off Now!

Penis exercises are proven to increase your penis size by up to 3 inches, in some rare cases more. Use only a guaranteed penis enlargement exercise program, no tractors and chains guys!. Penis exercises are easy to perform, Yea! I know exactly what your thinking, just grab a magazine, beer and presto! instant growth huh? yea! we shoul be so lucky! there’s a bit more to it than that. It’s important that you understand as much as possible about the exercise and your penis because you can injure your penis if you try to do too much too soon, so make sure those girls in the magazine aren’t that good looking! These penile health exercises will help to improve the blood to your penis and this is important to achieve and maintain an erection. Penis exercises are usually done every other day. These exercises force blood into your penis using various techniques; this stretches and expands your penile tissues, don’t just start yankin your meat without knowing what your doing.

Penis exercises are much better with a good penis enlargement pill such as VigRX or VigRX Plus. The combination has a complementary affect that develops the greatest mass achievable! Just keep in mind fellas, we’re not going for the King Kong look alright? Penis exercises are completely safe to use even by men with diabetics, heart diseases, and high blood pressure. These solutions have proven to be 100 percent safe for all men even those under a physicians care. Penis exercises are usually performed with the use of your hands only, However, modern science has made even this easier thru the creation of extenders such as proextender which when in plase provides constant expansion of the penile tissue resulting in regrowth (the lazy mans method) These exercises help in increasing the length and girth of your penis and also in strengthening your penis.

Natural penis exercises are a safe way to help you impriove your penis size and ejaculation control, trust me on this one guys, it’s better if she goes first! then you let loose! then your the man! at least until you wake and found it was all a dream! The better you feel about your body, the more confident and? better lover you will be! Natural penis enlargement can be achieved without the need for evasive surgery, something about a knife and an over eager doctor that just tends to make my penis srivel right up into his sack. Natural should be one of your first choices for all your health related problems. As for penis enlargement, natural methods should always be your first choice, want faster gains? then consider pills and extenders.

If you exercise your penis, enlarging the cavernous tissue, and multiplying the caverns, the penis circulation will become better and better and you will never have problem with erection again, you’ll be able to bench press condominiums with that new thing!. Penis exercises are inexpensive and should be used in conjunction with trusted penis pills. Penis exercises are considered as the easiest and the cheapest penis enlargement method today. When exercised, the penis can grow in size as well as girth significantly just make sure once you decide to start, you stick with it untill your desired goal is acheived. ~F~ HAS SPOKEN!

Commercial Mortgage Modification

In todays crumbling, commercial real estate market, both borrowers and lenders find themselves in quite a precarious predicament. Borrowers struggle to make their commercial mortgage payments, while lenders are crippled by the increasing number of defaults on commercial property. Right now the best solution to this problem is commercial mortgage modification.

Commercial mortgage modification is the process of renegotiating the terms of a commercial loan. This is done typically by reducing the interest rate or monthly payment on the loan. Other benefits to the borrower may include an extension of the loan term, a forbearance or moratorium on payments, and of course an alternative to foreclosure.

A commercial mortgage modification is about risk to the lender. A lender will only consider a modification if a borrower is in default or at risk of defaulting. The most important thing the lender will look at in determining whether or not to modify a commercial note is cash flow. One very important calculation used in determining cash flow is called the DCR or Debt Coverage Ratio. This ratio is used by the underwriters to determine if a modification can be approved. If a property is breaking even, meaning the income generated is equal to the operating expenses, the DCR would be equal to 1. If commercial property has a positive cash flow, meaning the income the property generates is more than sufficient to cover the mortgage payment and all of the operating expenses, the DCR is greater than 1. If the property is losing money, the DCR would be less than 1. A lender will most likely not modify the commercial note, if the property already has a DCR greater than 1. Commercial lenders writing new commercial loans will most likely require a DCR of 1.25 or greater.

The most common form of payment reduction seen in a commercial mortgage modification is when the lender converts a principal and interest payment to an interest only payment. A lender may consider this form of commercial loan modification to help the borrower improve their cash flow. By only paying the interest on the loan, as opposed to principal and interest, the payment becomes more affordable for the borrower.

However, in extreme circumstances, reducing the mortgage payment to interest only is just not enough for a commercial property owner. If a lender sees that the borrower will still have negative cash flow even after reducing the payment to interest only, they may consider a reduction in the interest rate. Although the interest rate reduction may be temporary, it will help the borrower free up capital and maintain the mortgage payment on time. Although uncommon, lenders have lowered interest rates to as low as 1% even, to avoid an even more costly foreclosure.

Condominium Living in Toronto

The popularity of condominiums has been on the rise over the last decade, as young people are starting families later in life and tending more towards having fewer children than ever before. Condominiums offer the opportunity for a lot less maintenance than would come with a single family stand alone house, and most have features such as recreational facilities and 24 hour security which do more than enough to satisfy the needs of busy people. In addition, condominium complexes are often located right in the heart of the city, so that the commute both for work and for entertainment purposes is cut down to a matter of minutes. Living in the suburbs of any major city can mean up to two hours of driving, each way, just to get to work and back!

As Canadas largest city, Toronto offers all the major benefits typical to condominium living and more besides. Lets take a look at the different benefits owning a condo in Toronto has to offer.

Areas

When it comes to living space diversity, Toronto offers a huge range of choices guaranteed to fit any lifestyle. Neighbourhoods such as Rosedale South have a large number of high-end luxury complexes that will hold or increase in value and thus offer a good investment. Downtown Toronto is great for the urban enthusiast; there is always something to do within easy reach of any of the condominium complexes. Anyone who enjoys the hustle of the city is going to appreciate living in the centre of the universe.

For those who like the idea of living close to the city, but who do not want to experience the 24 hour a day, seven day a week rush that city living means, there are still options in the condo world. The Beaches area of Toronto, located along Queen Street east and bordering the shores of Lake Ontario, has been described as a world all its own; close to the city, the area nevertheless offers a tranquility common to the shores of a big body of water.

Toronto also has several neighbourhoods that appeal to different ethnicities, including Greek, Indian, Korean, Chinese, and Portugese. Laid back lifestyles can be accommodated at The Annex, and the city offers condo complexes even in historical districts, for those who want to throw back the clock without surrendering modern convenience.

Style and Price

No matter what price range or type of condominium you are in the market for, there is something in Toronto to satisfy your demands. There are plenty of older condominium developments that offer reasonably priced units, even in the heart of the city. Lofts, two and three bedroom units, bachelor suites, and penthouses are all included in most of the new and recently built complexes being constructed in the area.

Condominium buyers who are fans of ultra modern living will love the diverse architectural styles that Toronto developers are incorporating into complexes, from twin and triplet building designs to single building high rises with sleek lines and tapering towers.

Toronto condominium complexes offer a wide range of styles, prices, and architecture that are guaranteed to meet the needs of anyone who likes the idea of low maintenance, easy-access condo living. With new complexes proposed every month, the market for condo living in Toronto is seems to continually expand.