• 05May

    Over the last few months and again today I’ve seen new tracker mortgages being pushed by lenders here in the UK and it got me thinking about the current mortgage market and if these products are a good or bad thing if I had to remortgage right now?

    I’ll use an example of a 2 year base rate tracker mortgage, this is an actual mortgage on offer in the UK but I won’t say which lender it is. The interest rate tracks the Bank of England base rate (at the moment this is 5 per cent) and you pay +0.98 per cent on top. So if you took out this mortgage today you’d be paying 5.98 per cent interest.

    CUstomers can borrow up to 75 per cent of the value of their property and there is a 999 arrangement fee, which is fairly cheap in comparison with other fees around.

    Firstly I must say it’s good to see a fairly competitive interest rate with the added benefit of a reasonable product arrangement fee. I say ‘reasonable’; personally I think mortgage fees are a rip off becuase the lender is providing mortgages to people every day, at the very least I think there should be a cap on mortgage fees. However, in today’s market a fee under 1,000 is a good start.

    It’s also quite a warning sign for me that all the tracker mortgages seem to have competitive interest rates and low fees at the moment, compared to fixed rate mortgages. I say this because industry experts are predicting interest rate rises in the coming months, on-one knows when exactly of course but I’d say interest rates will rise again before the end of 2008.

    This means that everyone taking out a tracker mortgage now will end up with higher monthly payments by the end of the year. It seems like lenders may be trying to attract new customers with the low fees and relatively low interest rates of a tracker mortgage rather than a fixed rate mortgage. No wonder the fees and interest rates of fixed rate mortgages are increasing – lenders don’t want people to take out these products so they’re pricing consumers out.

    One thing is for sure though, everyone has a choice when it comes to mortgages.

    Virginia writes for the Virgin credit card. Thevirgincreditcard.co.uk is still one of the best UK credit cards and offers 0% on balance transfers. The Virgin credit card could be the perfect solution if you have other credit card balances to transfer. Get 0% on balance transfers for 20 months! With the Virgin credit card, you could get an instant decision today!

    Permalink Filed under: Mortgages Comments Off on Are new tracker mortgages good or bad
  • 03May

    Every once in a while, we feel to have a new and different feel in our home, especially when we talk about changing the floors or modifying some finishes, and other things. You may have started the search by looking for what is best for your room or what can be a different addition or finish to your existing interior design. There may be some moments where you feel a bit aloof since changing the carpeted floor into hardwood flooring may be too much of a challenge and it may entail costs too expensive to handle.

    If the focus is all about changing the different floorings in many sections of your home, then you can get an assistance that can be more than worth the time and the budget. Especially when you are in Orange County, getting a group that can take care of your flooring problems and modifications can be easy. In fact, they do not just accommodate installation of wood floorings; they also take care of hardwood bamboo flooring in orange County where it can be done in full section, or select placement, according to your preferences and suggestions.

    You can hire someone by using modern methods these days. This is one of the best and most effective ways to confirm that they can provide the superior kind of service fit for your home. You may Google it to see what flooring contractor sites are available. Once you have that done, you can also check to see if they have other methods of showcasing their work, such a YouTube videos, or Facebook web pages. Why would someone go for such extent in just looking for a contractor that can do bathroom flooring? This is because the more modern and updated they are, the better of you will be since they are keeping up with the demands and needs of modern day customers.

    When you have that done, just go back to the website being endorsed by different YouTube videos or blogs. You can email them, call them, or even chat with them to see that they can come to your place and do an on-location estimation of the price of the job to be done. If you also need additional resources like what different options there are for wood, bamboo, kitchen and even tile flooring, then you can go to their showroom where you can see different selections of tiles, carpets, and wood finishing available.

    Permalink Filed under: Property & Developer Comments Off on How To Hire Flooring Contractor In Orange County
  • 02May

    We hear the word all over. A couple of years ago, they were being signed like they were going out of fashion; a large mortgage was akin to a large salary at the end of month. But the times have changed and in Dave Ramsey’s words, the paid-off home mortgage has taken the place of the BMW as the status symbol of choice.

    But, what does exactly mean? The word ‘mortgage’ comes from the Old French and Latin. In Latin, mori (turned into the mort- part in ‘mortgage’ in Old French) means ‘death’ and -gage means ‘pledge’. Thus the words: ‘death pledge’.

    The word mortgage comes from the Old French and Latin. In Latin, mori (turned into the mort- part in mortgage in Old French) means death and -gage means pledge. Thus the words: death pledge.

    I can see how, hundreds of years ago, taking on a 30 year mortgage was comparable to signing yourself into bondage for life. As Earl Wilson correctly put it, if you think nobody cares about you try missing a couple of mortgage payments. Thats the ultimate Litmus test for love.

    Funny words aside, etymologically, mortgage means that the pledge dies either when the obligation is fulfilled or when payment fails and the property is repossessed.

    Interestingly, the French use mutated back into hypothque, derived from the classic Greek and meaning to put something under something else.

    In some countries, like France and Spain where they have a civil-law system, a mortgage is closely or even solely related to a loan against real estate or property whereas in common-law, it represents any device in which a debtor (mortgagor) conveys an interest in property to a creditor (mortgagee) as security for the payment of a money debt. The Anglo-American definition has a broader meaning than its civil-law cousin, the hypothec.

    Permalink Filed under: Mortgages Comments Off on Mortgage Meaning. What Is A Mortgage
  • 01May

    Depending on how they earn the professional development units, pdu, required to renew their credential, they can continue to bear high costs. By utilizing more of the available credit earning options, costs can be lowered.

    Many project pdu managers earn the 60 renewal credits in each 3 year cycle by attending courses. These tend to be relatively expensive. Typical tuition fees for project management courses are at least $250 per day. Often, tuition is $500 per day or higher which represents a per credit cost of between $30 and $70. Along with the useful knowledge, credential holders gain 8 credits for an 8 hour course. Of course, an independent consultant would lose the billable hours, worth perhaps $800, while they attend the course. Seminars and workshops also provide renewal credits but have costs similar to course tuition fees. Again, the independent contractor loses billable hours.

    Luckily there are other, less costly ways to earn credential renewal credits. Reading project management materials in journals or on the Internet earns 1 credit for each hour of activity. This is a great way to research topics and get significant credits. Up to 15 credits can be claimed in each 3 year renewal cycle. The costs can be low or free and the time is well used, usually not resulting in a loss of billable hours.Working as a project manager also counts for up to 5 renewal credits per year. Independent contractors will have to document their actual project time to claim these credits. This should not be difficult since it is likely a professional obligation already.Attending the local PMI? chapter meetings is an excellent way to earn renewal credits and strengthen local business connections. The credits earned in this category will cost perhaps $14 each. Considering the possible future value of the business connections, this is often money well spent.

    Other inexpensive renewal credits are available. Volunteering to serve on a pdu board or providing project management services to a non-profit organization are recognized activities. Unfortunately, these often require a substantial investment of time. Independent contractors would likely use their free time in order to avoid a loss of billable hours. There would be possible business contacts to gain but the time commitment would need to be closely examined.Independent contractors would be well advised to consider certain writing activities for their renewal credits. Perhaps an existing blog post or a project review document would be useful as a good starting point for an article. Up to 15 renewal credits can be claimed for each project management article published in a journal. Combining various materials can help when working on an article.

    Until recently, there were few publishing pdu opportunities as many journals had very restrictive submission policies. Luckily this situation is now improved. Project management journals now exist that welcome article submissions. Independent contractors will find that writing articles for these publications offer some of the best value for renewal credits, both in dollars and time.

    Permalink Filed under: Property & Developer Comments Off on Earning Pdu Credits – Information For Independent Contractor Pmp
  • 30Apr

    Having an own property or land in Delhi NCR is like a dream, the rates of properties are rising as sky-scrapping. But still the demand and the requirement of property in Delhi NCR is not less. Delhi (Capital of India) is having its own reputation in market in terms of its properties. This city remains all time favorite place for each and every one who wants to establish their business. Delhi is divided into North, East, South, West and Central regions. The most expensive and posh regions in Delhi are Central and south for both commercial and residential sectors. There are different types of housing arrangements including small flats, small plots meant for individual houses or residential plots, big kothis, and multi-storied housing complexes as well as modern apartments.

    Highly demanded property in Delhi is Residential plots or lands. Many people are investing their hard money in buying commercial and residential plots. Different size of plots is available and cost of those plots varies accordingly. People who have invested here in this city have gained tremendously business wise as well. Premium in residential areas such as Defense Colony, Vasant Vihar and Greater Kailash has been a significant number of transactions. As a result, there is very little stock waiting to be sold. Property value starts from Rs. 1.5 crore onward for simple 2/3 BHK Apartment. Even many people are purchasing the residential plots or lands in Delhi. Due to high demand of property many big real state builders are moving towards Gurgaon, Faridabad, Ghaziabad and Noida.

    Mainly Gurgaon has emerged as one of the developed cities in the NCR region. Gurgaon is one of the fastest growing real estate sectors in the country. It offers residential plots, commercial and residential properties. In past few years, Gurgaon property price has been on the increase. It gives you an idea about that the price of plots is around Rs. 4,500 per square foot.

    To get residential plots or lands in a best price, go to the various free online classified websites who gives the full information regarding the plots with best price and location or to know more about residential plots in Delhi NCR visit Khojle.

    Permalink Filed under: Home & Estate Comments Off on Residential Plots In Delhi Ncr

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