tag:blogger.com,1999:blog-30525243612794320092024-03-13T09:25:29.470-07:00Over My Cup of CoffeeSince 2009Tom23http://www.blogger.com/profile/09760371821660298769noreply@blogger.comBlogger4125tag:blogger.com,1999:blog-3052524361279432009.post-56644867262692865362015-02-23T15:42:00.003-08:002015-07-14T13:12:37.775-07:00A Piece of Europe in the Heart of Sharjah<div dir="ltr" style="text-align: left;" trbidi="on">
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Elegance at its finest. This is how I can describe the place
that Glacie and I had visited last night to unwind our minds. Ladies and Gents,
we just found a new place to hang out whenever our feet feel itchy. A piece of
Europe in the heart of downtown Sharjah, particularly in Al Qasba is the
coolest place I have seen around our
area, so far. </div>
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In my viewpoint, the nearness or farness of a place depend
on an individual’s perception of distance and the surrounding circumstances as
well. Al Qasba for me is a walking distance from our humble dwelling in Al Qasimia
but for my wife, it’s far from being a walking distance. She has to pardon me
for that because I suffer from a disease called ambulophilia (excessive love of
walking) :P From our home, we walked to Corniche park. Al Qasba is notable for
having the Eye of the Emirates, a famous landmark that stands 200 feet tall. Like
the tower of Babel, the Eye of the Emirates is visible at any point in Cornich
so you won’t be lost when you feel like walking to Al Qasba.</div>
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Following the tiled pavements of Corniche park, we marched
our feet to where the Eye of the Emirates is standing. A chilling 18 degrees
centigrade temperature coincided with intermittent blow of strong north-westerly
wind made our stroll worth it for me. After walking 2 kilometers and passing
under 2 bridges, at long last, sigh of relief. </div>
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This place in Al Qasba looks like a tiny city of Rome or
Paris within the city of Sharjah. Glowing with lights, there are two great
buildings in classic European architecture standing grandly and facing each
other. I think those buildings house the Central Souk, Maraya Art Center, and
the Bajeel Art foundation. The first floor of each building houses a line of classy
restaurants and stores where you can find delectable and scrumptious cuisines of different
countries. </div>
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In between the buildings is the Al Qasba canal where small boats
pass occasionally creating a wavy effect in the water. It reminds me of a
European canal. On both sides of the canal are tiled pavements lined with
ornamental plants and trees, cafes, and food stalls. Connecting both sides is a
beautiful European bridge made of concrete and wood. </div>
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Our long walk made our stomach growl so our gastric juices
brought us to Nando’s; a Portuguese restaurant that boasts its specialty called
“peri-peri”. Peri-peri is a sauce made from lemon juice, garlic, and chili and
is a main ingredient of its foods. Glacie and I ordered their creamy chicken
soup (soup of the day) with bread and butter, ½ roasted chicken with pita bread,
and a bottomless soft drink. </div>
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<span style="font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 13px; line-height: 16px;">The chicken soup that came with bread tasted creamy with a bit of sour kick which I guess came from the lemon juice. The creamy taste of the soup was perfect with every bite of the bread with butter filling. We liked the chicken very much; I could say that it’s a tastier version of Philippine roasted chicken. The meat was so tender and the skin was a little crispy. My wife wanted to order another platter of chicken but our lipocytes prevented us to do so. </span> <br />
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Cleaning time!</div>
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"Oh so strong, oh so yummy"</div>
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Pardon my coffee addiction but truly, coffee complements my
every meal and it has always been my priority whenever I go somewhere so my
wife and I bought Turkish coffee at an ice cream stand right outside Nando’s. Turkish
coffee has a strong flavor that I like. I ordered one small cup for me. Sipping
a cup of steamy coffee with my loved one in an extremely romantic place in the cold,
cold night gives me the feeling no words can describe. </div>
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Tom23http://www.blogger.com/profile/09760371821660298769noreply@blogger.com0tag:blogger.com,1999:blog-3052524361279432009.post-21571287382481153332015-02-21T05:28:00.001-08:002015-07-14T13:12:21.852-07:00A Walk Around the Globe<div dir="ltr" style="text-align: left;" trbidi="on">
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What can be more exciting than walking in your feet around
the Globe, visiting and appreciating each country’s native products and
culture, and meeting its people? A walk inside the Dubai Global Village, may do.
Isolated from the towering skyscrapers of gleaming Dubai, Global Village is likely located
right in the middle of the desert. I’m not pretty sure if there is any bus fleet
running around the area but the fact that it’s not-so-easy to reach, one can
find a private vehicle or a cab convenient to be taken along.</div>
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One can hardly feel the sense of enjoyment when strolling in
solitude so together with our friends kuya Kiko and ate Mercy, and my
brother-in-law Pen, my wife and I fled from the mediocre Sharjah to the sparkling
Global Village. As we parked the car, first thing that caught my eyes is the
enormous ferris wheel with its colorful lights attraction installed on its
spokes showcasing the waving UAE flag and a world map with all its effects. We
bought entrance tickets and readied our feet for a seemingly long journey to
the world.</div>
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First off: India. India’s edifice occupies the biggest space
in the village. Inside are stalls offering Indian products like clothing,
jewelries, sweets, and other household ornaments and products, but one thing
that really caught my attention is the vintage gramophone. Everyone knows I’m
damn crazy over vintage thingies but that I was penniless. Nice thing about me,
I’m very much oriented by the Tagalog saying, “Habang maikli ang kumot,
matutong mamaluktot” and that’s all
there is to it. </div>
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The concept of “selfie” justifies the reason why monopod is
invented. Using Kuya Kiko’s ever reliable monopod, we were able to take groupies
with every country’s edifice as the background. Some countries’ interiors
impressed me like those of Iran, Saudi Arabia, Qatar, Oman, and other
middle-eastern countries. However, I got cheesed off for Cambodia, Italy, and the Philippines. they weren't that nice.<br />
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After about two hours of walking, we felt hungers pangs in
anticipation of the late dinner so we had to find the fast food store known to us;
Kentucky Fried Chicken. I can say that the foods there were tasty so they were all consumed
with justice. One instance that is so memorable there when an African-looking crew called
the costumer numbered 26 to claim the ordered foods. From time to time he
yelled “number 26” and nobody cares. The oft-repeated “number 26” has been the“last number syndrome” (in relation to “LSS”) of my wife and
brother-in-law until this present time.</div>
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It was my first time to visit the Global village and I can
say that the trip was worth it. With the
kindness and generosity of kuya Kiko and ate Mercy, our trips have always been
so enjoyable. </div>
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Tom23http://www.blogger.com/profile/09760371821660298769noreply@blogger.com0tag:blogger.com,1999:blog-3052524361279432009.post-58900195113882558172011-09-14T00:23:00.000-07:002011-09-14T00:24:15.057-07:00Preparing to Buy a House<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitZ8ZY8ojkIJEM2CxPi8mpv8Dnp6vlnQugWIn4DZaYQMuVMwCEK-peaTAVE_OaRMehHcWuqn1uWdl8TTvGB1gL9iUsfIkAuSEOlQ-hIdpiUcRvfDM8WN3MxiEnV6wHZpQHLZB7r9KHu24/s1600/cartoon_house.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="221" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitZ8ZY8ojkIJEM2CxPi8mpv8Dnp6vlnQugWIn4DZaYQMuVMwCEK-peaTAVE_OaRMehHcWuqn1uWdl8TTvGB1gL9iUsfIkAuSEOlQ-hIdpiUcRvfDM8WN3MxiEnV6wHZpQHLZB7r9KHu24/s320/cartoon_house.jpg" width="320" /></a></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: center;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">The home ownership rate in the United States was 66.9 % for 2010, according to the Housing Vacancy Survey conducted by the US Census Bureau. Having a plan to buy your own home can give you a clearer view on what to accomplish in the actual time of buying. </span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Here is a step-by-step guide to preparing to buy a house.</span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif;"><br />
</div><div class="MsoListParagraphCxSpFirst" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45.65pt; text-indent: -0.25in;"><span style="font-size: small;">1.<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span><b>Strengthen your credit score</b>. Credit score is a three-digit number which can determine if you can buy things and how much they will cost you. The three-digit numbers serve as the summary of how you’ve paid your bills, how much open credit you have, and everything that would affect your creditworthiness. Fair Isaac and Company (FICO) pioneered this type of scoring. </span></div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45.65pt;"><br />
</div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45.65pt;"><span style="font-size: small;">Credit scoring is classified as either good or bad. Good credit ratings can be earned when you borrow money and pay it back on time for the full amount consistently. On the other hand, bad credit ratings are quite easy to get. It happens when a person doesn’t pay back the money that he borrowed on time, or when he doesn’t pay it at all. There are several agencies that can provide credit score such as Fair Isaac Corporation, Equifax’s ScorePower, Experian’s PLUS score and TransUnion’s credit score. Credit score is a factor that lenders usually check to predict how likely you are to repay a loan and make payments accurately. Moreover, it reflects how much you pay for insurance, credit, and other necessities that used to be concealed from consumers. There are several ways to get your credit report. </span></div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45.65pt;"><br />
</div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 107.3pt; text-indent: -0.25in;"><span style="font-size: small;">a)<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>You can go to the credit report website to access your annual credit report online</span></div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 107.3pt; text-indent: -0.25in;"><span style="font-size: small;">b)<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>You can call a toll free number </span></div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 107.3pt; text-indent: -0.25in;"><span style="font-size: small;">c)<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>You can accomplish the form on the brochure about Annual Credit Report Request.</span></div><div class="MsoListParagraphCxSpLast" style="font-family: Arial,Helvetica,sans-serif; margin-left: 107.3pt; text-indent: -0.25in;"><span style="font-size: small;">d)<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>You can go directly to a credit reporting agencies and ask an officer about your credit report. </span></div><h2 style="color: white; font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="font-weight: normal; line-height: 115%;">Consequently, strengthening your credit score isn’t difficult to do. Zigas says, “Pulling up your credit reports and ensuring you’re not being unfairly penalized for old, paid or settled debts”. In addition, Ulzheimer says, “Stop applying for new credit a year before you apply for financing, and keep the moratorium in place until after you close on your home”. Your credit score may be inaccurate and you might be denied a loan if you don’t get the report and verify it. </span></span></h2><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif;"><br />
</div><div class="MsoListParagraphCxSpFirst" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45.65pt; text-indent: -0.25in;"><span style="font-size: small;"><b>2.<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></b><b>Determine how much house you can afford. </b>Before buying a new house, there are different measurements that would help you in choosing an affordable one. Make sure that the monthly payment would not exceed your gross monthly income with a big percentage. For instance, almost one-fifth of buyers get Federal Housing Administration (FHA)-insured loans. With FHA financing, your home payment should not exceed 31 percent of your monthly income. By knowing how much house you can afford, you will save yourself a lot of time and money. There are several factors that determine the amount of house you can afford. </span></div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45.65pt;"><br />
</div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 109.25pt; text-indent: -0.25in;"><span style="font-size: small;">a)<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>Your annual income</span></div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 109.25pt; text-indent: -0.25in;"><span style="font-size: small;">b)<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>The amount of cash you have for a down payment</span></div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 109.25pt; text-indent: -0.25in;"><span style="font-size: small;">c)<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>Other mortgage related costs</span></div><div class="MsoListParagraphCxSpLast" style="font-family: Arial,Helvetica,sans-serif; margin-left: 109.25pt; text-indent: -0.25in;"><span style="font-size: small;">d)<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>Mortgage interest rate and terms available at the time you make the purchase</span></div><div class="MsoListParagraphCxSpLast" style="font-family: Arial,Helvetica,sans-serif; margin-left: 109.25pt; text-indent: -0.25in;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45pt; text-indent: -45pt;"><span style="font-size: small;"> Naturally, you can borrow more money for the same monthly payment while the interest rates are lower. Indeed, it is important to know the interest rate, points, term of loan and down payment in advance. For example, a family in Texas that brings $3,215 a month purchased a median home that has a price of around $200,000. Here, the family will pay 5% down payment of $10,000; a 30-year fixed (6.5%) mortgage of $1,200; and the taxes and insurance amounting to $333. Notice that the Principal, Interest, Taxes and Insurance (PITI) is $1,533; this family is spending 47% of their net pay on a median priced home. </span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45pt; text-indent: -45pt;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45pt; text-indent: -45pt;"><span style="font-size: small;"> It is really important to know how much house you can afford so that you can plan your budget. Buying a house that exceeds your budget can be disastrous. </span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45pt; text-indent: -45pt;"><br />
</div><div class="MsoListParagraphCxSpFirst" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45.65pt; text-indent: -0.25in;"><span style="font-size: small;">3.<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span><b>Get pre-approved for the mortgage</b>. Before shopping for a home, you can ask for mortgage pre-approval. When you get pre-approval, the mortgage lender reviews your current financial situation and credit to gauge how much they are willing to lend you. Getting pre-approved for a mortgage is highly important for two reasons: you know what you can afford and the possibility that the seller accept your offer over another that is not pre-approved. There are several steps for getting pre-approved for a mortgage. </span></div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45.65pt;"><br />
</div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 117.4pt; text-indent: -0.25in;"><span style="font-size: small;">a)<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>Talk to different mortgage lenders and find the best mortgage package that fits your needs.</span></div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 117.4pt; text-indent: -0.25in;"><br />
</div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 117.4pt; text-indent: -0.25in;"><span style="font-size: small;">b)<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>Prepare completely your financial biography by securing your Federal tax returns for the last two years, proof of investment income, bank statements, etc. </span></div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 117.4pt; text-indent: -0.25in;"><br />
</div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 117.4pt; text-indent: -0.25in;"><span style="font-size: small;">c)<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>Watch your credit score. </span></div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 117.4pt; text-indent: -0.25in;"><br />
</div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 117.4pt; text-indent: -0.25in;"><span style="font-size: small;">d)<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>Find a reputable and legitimate lender to deal with. </span></div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 117.4pt; text-indent: -0.25in;"><br />
</div><div class="MsoListParagraphCxSpLast" style="font-family: Arial,Helvetica,sans-serif; margin-left: 117.4pt; text-indent: -0.25in;"><span style="font-size: small;">e)<span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>“Watch the clock” meaning keep an eye on the documents like pre-approval letters and verify their expiration dates. </span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"> </span></div><div class="MsoListParagraphCxSpFirst" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45.65pt;"><span style="font-size: small;">Indeed, if you don’t apply for a mortgage pre-approval, you’ll not be able to figure out what you can afford or worse, there will have little or no possibility that the seller accept your offer. </span></div><div class="MsoListParagraphCxSpMiddle" style="font-family: Arial,Helvetica,sans-serif; margin-left: 45.65pt;"><br />
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</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Now that you know the steps in preparing to buy a house, why not give yourself a treat? A cup of coffee or a chocolate bar may do. See? We now understand that planning and preparing steps are not as difficult as we think but it’s just a piece of work that we have to accomplish as an essential component of a whole task (buying a house). </span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Following the steps to preparing to buy a house gives you a comfort to yourself; meaning no worries when it comes to dealing with the actual process of buying.</span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif;"><br />
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Image source: http://houseofnumbers.blogspot.com/2011/01/cartoon-house.html</div>Tom23http://www.blogger.com/profile/09760371821660298769noreply@blogger.com2tag:blogger.com,1999:blog-3052524361279432009.post-71707863226398356282011-09-14T00:17:00.000-07:002011-09-14T00:19:17.694-07:00Financing Your Car Purchase<div dir="ltr" style="text-align: left;" trbidi="on"><div style="font-family: Arial,Helvetica,sans-serif;"></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLtgfUJuCW2_wjSGqit7eJmm8b0XQj4qtGgKEFdGkae5DQv4DegXKfVQ6BJzSu-PhdA4XZLYnTlMOMAsCEOkiuSwrdSRIFBoSQI1rY0Xnqsqf0jyxq0U9MXNkH8jUVm0bccOr-38XsKAg/s1600/HappyCarCartoon-2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLtgfUJuCW2_wjSGqit7eJmm8b0XQj4qtGgKEFdGkae5DQv4DegXKfVQ6BJzSu-PhdA4XZLYnTlMOMAsCEOkiuSwrdSRIFBoSQI1rY0Xnqsqf0jyxq0U9MXNkH8jUVm0bccOr-38XsKAg/s1600/HappyCarCartoon-2.jpg" /></a></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; line-height: normal; margin-bottom: 0.0001pt; text-align: center;"><br />
</div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: small;"><span lang="EN-PH">Nowadays, almost every American family wants to own a car. However, acquiring one, whether new or used, can be costly. One of the first steps in purchasing a car is to consider the financing options available. To ensure that you find the right financing, investigate financing through a dealership loan, a bank or credit union loan, a loan from an online lender, or a home equity loan. .</span></span></div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal; margin-bottom: 0.0001pt;"><br />
</div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal; margin-bottom: 0.0001pt;"><span style="font-size: small;"><b><span lang="EN-PH">Different options to finance your car purchase</span></b></span></div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal; margin-bottom: 0.0001pt;"><br />
</div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal;"><span style="font-size: small;"><b><span lang="EN-PH">Car dealership</span></b><b><span lang="EN-PH"> Loan </span></b></span></div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal;"><span style="font-size: small;"><span lang="EN-PH">A<b> </b></span><span lang="EN-PH">dealership loan is a common and convenient option to finance a car. </span><span lang="EN-PH">When you shop for a car, consider the auto financing that different dealers offer you. Offers vary, so take time to shop around for the best deal; compare the Annual Percentage Rate (APR) and length of the auto loan. Make use of loan calculators available on many websites. Dealers charge higher interest rates than banks or credit unions. </span><span lang="EN-PH">The only advantage that you can get through the dealership loan is the convenience. Be aware that this type of loan can also be more costly because dealers make money from selling you your car in several ways like holding points of rate, undervaluing a trade-in, charging customer service fee and extended service contracts.</span></span></div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal;"><span style="font-size: small;"><span lang="EN-PH"></span></span></div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal;"><span style="font-size: small;"><span lang="EN-PH"></span></span></div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal;"><br />
</div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal;"><span style="font-size: small;"><b><span lang="EN-PH">Home Equity Loan</span></b><span lang="EN-PH"></span></span></div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal;"><span style="font-size: small;"><span lang="EN-PH">A home equity loan means that you borrow a sum of money and your home serves as collateral. The interest you pay is tax deductible; that is, you can save more money on your taxes with this type of loan. The term of a </span><span lang="EN-PH">home equity loan varies, usually ranging from 12 to 240 months. </span><span lang="EN-PH">For example if you take $25,000 Home Equity Loan Up to 100% Equity loan with a 12 month term at 6.24% APR, your estimated monthly payment may be $2,154.42</span><span lang="EN-PH">. The amount of your monthly payments may vary according to the length of term. </span><span lang="EN-PH">Indeed, home equity loan is a great option to lower your interest cost and save money. Also, it comes with fixed interest rates that can benefit people trying to save for the future. The good thing about a fixed rate is you know exactly how much you’ll pay each month. However, you have to pay the monthly payment regularly because your home is at risk if you fail to do so.</span><span lang="EN-PH"></span></span></div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal;"><br />
</div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal;"><span style="font-size: small;"><b><span lang="EN-PH">Loan from banks or lending institutions</span></b><span lang="EN-PH"> </span></span></div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal;"><span style="font-size: small;"><span lang="EN-PH">This option is ideal to those who want to have a car because it usually covers payment from five to seven years period. Meaning, you don’t have to rush when it comes to paying it because the allotted period is long enough. Here, the interest rate depends on the car model. </span><span lang="EN-PH">Usually, banks run credit check once you apply. Your FICO score should be qualified in order for them to grant you loan. Now, here is an example that is based </span><span lang="EN-PH">from </span><span lang="EN-PH"><a href="http://www.bankingmyway.com/credit-center/auto-loans/car-loans-get-easier" target="_blank">BankingMyWay National Auto Rate tracker</a></span><span lang="EN-PH">. An ordinary bank-generated 48 month (4 years) car loan presently carries an interest rate of 4.667%.Usually, banks offer ranges from 36months to 72 months for an auto loan.</span><span lang="EN-PH"> You can establish personal relationship with the bank; thus, you may benefit from it. However, there is a risk that you may experience the disadvantage of uncompetitive interest rate.</span><span lang="EN-PH"> </span></span></div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal;"><br />
</div><div class="MsoNormal" style="color: white; font-family: Arial,Helvetica,sans-serif; line-height: normal;"><span style="font-size: small;"><span lang="EN-PH">Now that you know the options for financing your car purchase, it’s time to think which option suits you; make a wise decision. Finding the right option isn’t a trivial matter. </span></span></div><div style="color: white; font-family: Arial,Helvetica,sans-serif;"><br />
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</div><div style="color: white; font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><i><span style="font-size: xx-small;">Image source: http://buystuffsonline.com/index.php?main_page=product_info&products_id=282</span></i></span></div></div>Tom23http://www.blogger.com/profile/09760371821660298769noreply@blogger.com0