Home Equity – Loans

Home equity loans are loans that are issued out to people in need of finance, against the security of their residential houses. In this kind of loan, the houses of the borrowers are kept as collateral against the sum borrowed by them. Usually, equity home loans are borrowed by individuals who are in desperate need of money, but have no means to repay them. Individuals in need of money have to keep their home as security against the sum that is lent by them.

Home equity loans, in recent times, have emerged out as the main source of finance to people who are in desperate need of cash. More and more individuals are increasingly resorting to home equity loans for their financial needs, the main reason being the collateral and security factor. Usually, to take up a loan of such a huge amount, people have to sell off their assets and dispose of their belongings to raise the finance, for their needs. But, the one standing character of home equity loans is the fact that the borrower needs not to submit extra collateral except the house against which he is getting the loan, like he needs to do for getting any other loan credited in his account. Also equity home loans are really beneficial and affordable since the interest that accrues, actually accrues on the amount that the borrower has drawn till that time, or while repayment of the loan, the borrower needs to pay the interest only on the amount that is yet to be repaid. All these enticing factors are drawing more and more number of individuals, looking for a loan that involves easy repayment terms.

The best part of home equity loans is that of revolving credit, once the amount of loan that the lender will lend to the borrower has been fixed by the lender, calculating on the value of the home against which loan is sanctioned, the borrower needs not to borrow the entire amount at the same time but can actually draw according to his needs, and pay the interest only on the amount that he has drawn till that time and not the entire amount of loan that has been sanctioned. The lenders to attract more and more borrowers also give the borrowers many schemes, which make the repayment of the loan all the more easy. The fact that the borrower needs not give any other collateral, or pay any extra interest makes the entire thing even more easy for the borrower.

Interested in a different kind of loan? Riegelwood Credit Union offers a variety of loans and banking services to fit your unique needs.

 

Applying For Bank Credit Cards

Some of the best credit cards in the world are those you can get from your local bank. Of course, “local” banks are often simply branches of worldwide organizations that offer the buying power and efficiency we want. Getting your credit card from your local bank offers some unique advantages, especially if you’ve been a long-time customer.

For example, it’s easier to offer low interest credit cards to those who have money in savings and checking accounts and whose faces are familiar than it is to take a chance solely on the basis of a credit report. Banking and credit cards are all about relationships. You want the best interest rate, fee schedule, and options you can get, and the bank wants reassurance that they will be able to collect what you owe them. Consider what they already know about you.

They know your average balance in your savings account. They also know how much you regularly deposit into your checking account and where it comes from. They may even know whether you pay your mortgage on time every month. They will still run a credit report on you when you ask for a credit card, but they may be more likely to give you the card even if your credit is not perfect because they know you.

On the other hand, they may know you so well that they offer you credit cards every time you walk in the lobby door. If you’re looking for a credit card, it’s probably a good idea to hear what they have to say. You may get better rates and more options locally, but, as always, you should compare rates and fees before you select any credit card.

Major Bank Credit Cards

You will probably recognize the names of some of the major bank credit cards you can get. Names like Chase, Citi, and Wachovia Bank are familiar to millions who carry their cards. Most of them carry a wide variety of cards and include cards designed for everyone from those who have no credit or bad credit to those whose credit histories are impeccable. Conveniently, all of these bank credit cards are available on the Internet.

If you’re looking for a credit card that won’t cost you an arm and a leg, the Internet is one of the best places to look. Card applications are sorted by type, such as MasterCard and Visa. Cards are also sorted by credit score with most banks clearly defining those cards that are designed for persons with bad credit or no credit and those for persons with excellent credit.

Why Major Banks Offer Cards to Credit Risks

There are millions of people whose credit has been ruined by events beyond their control. For example, a medical crisis can take a family from sound credit to very bad credit. The loss of a job can mean the loss of credit stability. Even natural disasters can have an impact on a person’s credit, and it can take years to rebuild credit once it is lost.

Banks offer credit to these people because they have analyzed the risks and have determined that the level of risk is acceptable. The credit cards they offer come with higher interest rates and a long list of fees including monthly fees, annual fees, origination fees, and late fees. While the cost of the credit may be high, it may also be the only way some people who have suffered financial loss may be able to reestablish good credit. The higher fees are often required up front or on a monthly basis that helps the banks recoup their losses should the customer not repay what they he or she has charged.

Bank Credit Cards–the Choice

There are a lot of reasons to get a credit card from your local bank, especially if you have excellent or good credit. On the other hand, getting a bank credit card from a major bank, even if it costs you more money, can also be a good move, especially if you are in a situation where you need to repair your credit. In the long run, if you fall into the category of poor or no credit, an online bank credit card may be your best option.

There’s more than one way to secure your finances. If you want to know how a credit protects you and your money, check out Riegelwood Credit Union.

Building And Construction Loans

Building or construction loans provide funding for fulfilling dreams. In America ownership of a personal home is the first priority, as everyone wants to have their own piece of land. Having a piece of paper in hand; with the design of a dream home; thinking of interior decorators; standing on land free from any living creature ever what can be comparable to this feeling?

Construction Loan Financing:

After locating the site and finalizing design the next task is to locate a loan lending organization. Mostly land buyers look for a loan that not only includes lot price but also construction expenditures. As far as development in residential areas is concerned, a number of banks are easily financing loans as there is grantee of water, sewerage system, utility system and also fulfilling local government ordinance.

Customers usually look for a salesperson known as real estate agents for buying a construction lot or a new home therefore they don’t need to worry about buying a lot and constructing homes separately as this is the task of real estate agents. Qualifying for a loan is the foremost task of a homebuyer to fulfill his dream.

Loans can help you build yourself a better future today. A great credit union can help you with that. Click here to get started.

Homebuyer: As A Self Constructor

Those who qualified for loan are financed by loan lending companies for buying a lot at a rate of ninety five percent of respective lot. Beside paying for purchased lot loan lending companies also offer loans for permits, construction material and labor salaries. Instead of hiring a constructor, usually the homebuyer itself becomes project manager and looks after for his home’s construction.

The savings thus made helps in keeping cost at a moderate rate; moreover it provides satisfaction to the homeowner who is building his dream home. However those who can’t look after their home construction can hire a professional constructor for this task keeping his budget in mind.

Formulating Mortgage Value:

Lowest interest rate is offered by companies who are financing building loans providing the customer with a comfortable repayment plan. After the completion of the project the exact market value of the home is calculated, however, cost of lot plus construction expenditures including laborers wages are not included. Figure thus provides real equity, which is to be used by loan lending companies for figuring out mortgagee value.

Let a customer buy a property for fifty thousand dollars of twenty thousand five hundred square ft, and plan to construct 3 bedrooms; the estimated cost would be one hundred thousand dollars.

But the customer decided to do a large amount of work himself  for the sake of saving money thus loan lender companies agreed to give loan for ninety five percent of total cost estimated to be one hundred, forty two thousand and five hundred dollars  plus owners seventy thousand five hundred dollars.

What If the Project Goes Over Budget?

There are some possibilities that project might go beyond decided budget and total cost came out to be one hundred and sixty five thousand dollars, thus  current value of market regarding home comes out to be three hundred and fifty thousand dollars  and equity comes out to be one hundred and eighty five thousand dollars  by subtracting construction expenditures.

Now customers can contact a bank owning a property worth three hundred and fifty thousand dollars with one hundred and eighty five thousand equity, and under these circumstances he can make a contract of paying lesser monthly payments within thirty to forty years. The best thing about this loan is that one can fulfill his dream of having home while investing very little from his pocket, and as soon as the construction is over interest rate is decided instead of waiting for years for having equity.

Forethoughts before Buying Property:

Interest rates planned by loan lenders are usually according to the customer’s qualifications and location of plan. Best conditions are offered by the loan lenders to the customer regarding financing projects.  Before buying a property; self home constructor should visit different sites all over the country, should inspect services provided by respective residential developers; and last but not the least should try to meet with professionals to inspect facilities and local government ordinance.

Before buying a lot; soil tests have to be done to know whether a lot is suitable for building or not. Before buying a lot a customer should satisfy himself about the sewerage system and network of road. Real estate agents can give estimation about the rate of nearby property and future developmental plans. All this work meant to be done before lending a loan for accomplishing a dream of personal home.

 

Went a bit over budget with your wedding? You can try short term loans

Taking out short term loans would be a great idea when you need some extra money to pay for a gift for a friend. Many times, you will have to find a method of paying for something special on a limited budget without the benefit of time. When you are faced with this situation, you may want to avoid simply buying an inexpensive item. The gifts that you give for weddings or birthdays are often ones that reflect your ideas of the person that has invited you to the gathering. If you select a cheap gift, you will leave a bad impression for some time to come.

 

Do not make this mistake simply because you do not have a lot of extra spending money in your pocket at the moment. Instead, you may want to use a short term loan as a method of getting the money you want as quickly as possible. What you want to do is apply for the loan before heading out to purchase any gift. Once you are approved, you can get the cash and start shopping as soon as possible.

 

These loans are the ideal solution for such a problem because they provide you with money during the very same day. As a result, you can begin the application today and purchase the gift for an event you may be attending tonight. When you do not have to plan very far in advance, you will face less need to worry about what you will do to make sure their gift is special.

 

Very Easy To Apply!

The short term loans uk services that are available to you today would offer you once of the easiest solutions that you could find. Financial matters are always worth considering before you need to put a plan in place. However, many people make the mistake of not planning until it is already too late to avoid taking on a financial burden that they cannot afford. You do not have to do this, what you can do is see what these loans have to offer you today. Since they come with very reasonable rates, you may be able to purchase a better gift than you thought possible previously.

 

However, you should understand that these loans are the perfect solution for any financial problems you may be going through. Not only are these great for gifting, they are an ideal solution to a need for a vacation. When you are planning on going somewhere on a very limited budget, you may find yourself waiting for months in the hopes that you will be able to put enough money away. However, you do not have to wait till long in order to get the vacation that you deserve.

 

When you have the benefit of being able to come to these lenders, you can rely on them to pay for your next vacation. Once you have the money in your hands, you would be able to determine where you would like to go on vacation. The most difficult aspect of planning any vacation would be the lack of financial resources that can help you to make sure you have the best experience possible. These loans are a simple way to give yourself some freedom during the planning. Feel free to apply when you need some additional money for any purpose.

 

If you want to know how a Credit Union Protects You and Your Money, check out Riegelwood Credit Union.

Awesome drinks for your wedding celebration

Cider Mimosa

A brunch time favorite!
Ingredients
Sparkling Wine, Cava, Prosecco or Champagne
Carolina Cider‘s  Cider

Preparation
Fill half of a champagne flute with chilled sparkling wine or Champagne (about an ounce) and top off with chilled cider (again about 2 ounces), gently stir. Garnish with fresh fruit: strawberry, raspberry, or orange slice.

If you want more recipes with cider, check out the Carolina Cider company.

Butter Me Up

4 oz (112 ml) Carolina Cider’s Cider
4 oz (112 ml) Apple juice
1 teaspoon (15ml) Peanut butter
A pinch of Cinnamon
A pinch of Nutmeg
A drizzle of maple syrup
Crushed peanuts

Pour all the ingredients in a blender and mix. Top with crushed peanuts and serve. Enjoy!

Valentine’s Day Ideas for a Girlfriend

Valentine Gifts for Her on a Tight Budget

Learn some ideas to make this Valentine’s Day memorable and romantic for a woman. Even when adhering to a budget, the day can still be special!

Men are in need of some sympathy. Every year, they must raise the bar higher and make Valentine’s Day bigger and better than the previous year. How is this possible for a man who does not have a lot of money to spend?

Simple Present Ideas for Women, Sweet Cheap Gifts for Girlfriend

Sometimes the simplest present is the best way to say, “I love you.” The extravagant is great too, but often the little things are what count in a woman’s eyes. For example, just acknowledging the day itself and making it her day all day is a start. Men should remember Valentine’s Day is mostly for women.

Here are some romantic and cheap ways to celebrate and spoil a sweetheart all day long:

  • Buy or make pancake batter. It should not cost over $5 for a whole box of pre-made batter. Then buy heart-shaped cookie cutters. From Chef Central, one cutter costs a mere 69 cents. On Valentine’s Day morning, make a breakfast complete with heart-shaped pancakes. She’ll love the thoughtful touch!
  • Also for breakfast, buy a carton of orange juice (no pulp) and a bottle of affordable champagne. Mix both together and voila! A mimosa for a sweetheart.
  • Buy flowers. Yes, boys, flowers are the way to a woman’s heart. However, a man doesn’t have to spend a fortune on long-stemmed roses. Instead, opt for a single long-stemmed rose and put it across her empty breakfast plate or in a small vase next to the place setting.
  • Buying chocolate can be difficult. Some women are on a diet, others will eat to nauseum and then blame the man for bringing it in the house in the first place. The safest bet is to buy a sampler box of four chocolates that she can enjoy throughout the day and return to normal eating habits the next.

What Are the Best Gifts for Valentines? Unique Gifts for Girlfriends Wives

So the breakfast was perfection and she’s now basking in the afterglow. But what does a man do for the rest of the day and how does he incorporate the big, grand finale present?

Plan a simple, fun and cheap activity. This activity is the big present, so put thought into it. Since in most places in February it’s cold, an indoor activity may be the best choice. For example, take the woman to a special showing of a romantic movie. Often times at independent movie houses, they show romantic classics on Valentine’s Day. Buy tickets in advance though because many other men may have this idea too! Two tickets, plus popcorn and drinks will cost around $30. For a sportier girlfriend, take her ice skating or find an indoor rock climbing wall.

For those in warmer climates, pack a picnic lunch and take a special hike – maybe one the couple has been wanting to do all year long. If the man executes the hike, he looks like he’s thoughtful and a great listener.

When a man chooses to spoil his Valentine, he doesn’t have to be a millionaire to make the day special. Plan ahead and keep with simple and budget-conscious ideas. An easy way to plan ahead your valentine’s gift is by checking Always On My Hear and their romantic presents.  As long as the woman feels spoiled and special then the day will be a success!

Vintage Wedding Accessories for Women

Bride and Bridesmaid Accessories with Vintage Flair

Even if a wedding doesn’t have a full-blown vintage theme, classic elements will never go out of style. Here’s how to use vintage pieces when outfitting a wedding party.

Vintage is “in” everywhere: fashion, interior design, even cutlery–so why not incorporate a little into a wedding? Even couples who may be nervous about having a theme wedding can use vintage pieces as accessories without going over the top.

Vintage Jewelry
Jewelry is an easy way to allow gorgeous vintage pieces to mingle without making a huge statement. Vintage jewelry can be found everywhere, so it’s handy to have a good idea of what style or era of jewelry to shop for. Here’s a rundown of some classic styles that could easily make the cut as wedding accessories:

  • 1900’s. The Victorian era revealed in colors like ruby, sapphire, opal, and ebony jet. Coordinating necklace, earring, and bracelet sets were popular, although one of these pieces is enough to make a substantial statement. Shop for cameos, pendant necklaces, and intricate metal cuff bracelets.
  • 1920’s. Vibrant colors like peacock blue, deep dark red, and emerald green celebrate the Roaring Twenties’ adventurous, glamorous side. The Art Deco movement meant that geometric floral shapes and angular graphic designs were all the rage. Look for chandelier earrings, cocktail rings, and long strands of pearls.
  • 1950’s. In colors like turquoise, coral, and purple, vintage mid-century jewelry suits a lively summer wedding. Look for unique items such as pearl chokers, delicate brooches, and gilded cuff bracelets.

Vintage Headpieces

  • Headpieces are a way to make a dramatic vintage statement. These veils, hats, and other pieces are not for the faint of heart, but when used tastefully can add an air of sophisticated style to any wedding party.
  • Birdcage veils. Reminiscent of film noir, the birdcage veil is a very short veil that lies either just under the cheekbone or the chin. Paired with a delicate headpiece, pillbox hat, or a comb, the birdcage veil is an elegant way to blend a vintage look with contemporary style.
  • Feathered headpieces. Feathers work in weddings from formal to funky and hearken back to the high-rollers of the 1920s, or the romance of the Victorian era. Check out etsy.com for handcrafted headbands trimmed with feathers.
  • Hats. This often-forgotten accessory has had a rich history. Consider outfitting bridesmaids with a close-fitting 1920’s cloche or a dramatic wide-brimmed hat.

Vintage Gloves
Once an essential part of an outfit, gloves are a great way to add some refined elegance to a wedding party wardrobe. Antique gloves can be found online in the wrist- to bicep-length. For strapless gowns, go with a longer glove; for a cap or short-sleeve gowns, stick with shorter gloves that end before the elbow.

Where to Find Vintage Wedding Accessories
It’s best to start looking for vintage pieces to use for accessories well ahead of the big day. This ensures that there is time to return the piece if it is in poor condition or won’t work with the outfits, and to spruce up any jewelry that could use a little polishing.

Search for vintage accessories online, at antique malls and shops, at estate sales, and at thrift stores. Etsy.com, vintagejewelryonline.com, and absolutelyvintage.net are some places to start looking online.

Vintage elements in a wedding don’t have to end with fashion accessories: they can be used as wedding centerpieces, invitations, reception decor and more.

Wedding Dress Bra and Lingerie

Bra, Bridal Corset, and Undergarments Make or Break the Perfect Dress

The perfect gown is only as impeccable as the bride’s bra and other undergarments. A wedding corset, bra or underwear are a vital part of the look of the wedding dress.


The bride who’s found the perfect dress, shoes, and veil still needs one more thing to complete her ensemble – the perfect wedding undergarments. Finding the right wedding dress bra, a slimming corset, or panties with an invisible line can make the difference between a glittering success on the big day or an outfit that didn’t quite work.

Lingerie Will Make or Break the Perfect Wedding Dress

Although no one except the bride and groom is even going to see it, bridal lingerie can go a long way to either help or hinder the look of a beautiful dress. There’s nothing worse than visible panty lines to spoil a look or an ill-fitting bra to ruin the bride’s enjoyment of the big day, so finding the right bra, panties, and corset to go under the wedding gown are of paramount importance to any bride.

There’s another reason to take time and spend a fair bit of money on finding beautiful wedding undergarments: to enjoy them on the wedding night.

Finding the Best Wedding Dress Bra

The most important undergarment for any outfit – but especially under a wedding dress – is a properly fitted, supportive bra. The wedding bra not only determines the bride’s comfort, but it also affects her shape and posture in her dress. The right bra can take off ten pounds as well as improve the bride’s posture and comfort level on her big day.

The trick to choosing a bra is finding the right one for the right dress:

  • Strapless Bras for strapless or off-the-shoulder gowns
  • Backless Bras for backless or low backed dresses
  • Halter Bras for dresses with an open back but that have a strap that drapes around the neck (halter top dresses)
  • “U” or “V” Bras that offer support without showing in the cleavage of a low-cut neckline

A corset can fill the role of a bra as well as slimming a woman’s figure. A wedding corset is a dramatic fashion choice that offers support and a beautiful silhouette under even a modest or simple wedding dress.

Preparing the Wedding Dress Bra or Corset

The first and most important step in choosing a bra is making sure that it is sized correctly. Most well-endowed women are accustomed to wearing a bra with a too-large band size and cups that are too small, making for a sloppy and uncomfortable fit. This can easily be remedied by having bust measurements taken at a quality lingerie store.

Once the bra, panties, and/or corset have been chosen, it’s important to take them with to every dress fitting to ensure that the gown is adjusted to fit the bride’s figure with the wedding undergarments she’ll be wearing on the big day.

Finally, make sure to wash and wear the wedding lingerie at least one or twice, for comfort, so that there’ll be no surprises at the church or during the reception.

 

Your Eyes and Cataracts

The Signs, Symptoms and Causes of Cataracts

Your Eyes and Cataracts

The eyes have a natural lens made up mostly of water and protein. This lens is found behind the pupil and the iris, and is very similar to the lens of a camera because it focuses light onto the retina. It is also what allows the eye to adjust and focus so you can see things clearly at all distances.

Cataracts (sometimes incorrectly spelled “cateracts”) are described as a clouding which forms over this natural lens. Sometimes, as a person ages,  the protein that makes up this lens begins to clump together causing this part of the lens to become cloudy. Over time the clouding can spread and cover more of the lens making it very difficult to see.

Symptoms of Cataracts

Cataracts Symptoms

Cataracts normally develop gradually over a long period of time. This is one reason it may be difficult to notice the symptoms right at first. However, there are several symptoms that are associated with cataracts that you can be aware of. They are listed below.

  • Blurry or hazy vision
  • Items look cloudy
  • Lights seem to glare or be extra bright
  • Double vision
  • Colors become more dull-looking

The symptoms you experience will depend on the type of cataracts you have. You may notice that you need to change your glasses often when a cataract is developing which may also be a warning sign.

Types of Cataracts

Studies have determined that there are three different types of cataracts, they are as follows:

    1. Cortical Cataract – This type forms in the cortex of the lens and then slowly moves towards the outside of the lens. It is usually caused by being diabetic.
    2. Nuclear Cataract – This type is the most common and starts in the nucleus or center of the lens. It is usually caused by aging.
    3. Subcapsular Cataract – This type will start at the back of the lens and is usually found in people with retinitis pigmentosa, diabetes and farsightedness. It sometimes occurs in people that have taken very high doses of steroids as well.

It is important to know that the symptoms you experience will be based on the type of cataracts that you have. For example, a person may experience an improvement in their sight when they first start developing a nuclear cataract. This improvement is referred to as “second sight” but it only lasts for a very short period of time.

The nuclear cataract comes on slowly with age and you may not have any symptoms at all with the subcapsular cataract until after it is well-developed. If you suspect that you have cataracts, you should see an ophthalmologist or optometrist right away. Your doctor can recommend the appropriate type of prescription eyeglasses or contact lenses to correct blurry vision.

Cataract Surgery

Cataract surgery is a simple, painless procedure, and can significantly improve a patient’s vision. The eye surgeon makes an extremely small incision and inserts a tiny instrument, that breaks up and gently removes your cloudy lens. The cloudy lens is replaced with a clear, artificial lens. Cataract surgery is safe and substantially improves vision for more than 9 patients. Below is a video that further explains the procedure.


For special cases when intraocular lens implantation is not done after the surgery, ophthalmologists can prescribe cheap yet surprisingly comfortable contact lenses to enhance vision.

Wedding Traditions and Their Origins

Where Do These Wedding Customs Come From?

Marriage is all about traditions these days. Where do these wedding traditions come from?

An ABC of marriage traditions and their origins:

Bridesmaids

In ancient times, brides and bridesmaids wore the same dresses so that evil spirits who wished to destroy the bride’s happiness were confused.

Bridal Veil

Marriages were often arranged by family members and the bride and groom were not allowed to see each other before the actual marriage. The reason for this is that family members were afraid that the groom would refuse to marry the bride if he didn’t find her attractive. The veil was lifted only after the couple got married.

Flowers

Flowers were used in wedding ceremonies because they represent fertility, purity and never-ending love. In the old days, wedding bouquets were a mixture of flowers and herbs. Orange blossoms were a symbol of fertility and dill was supposed to promote desire.

Handkerchief

Early farmers believed that the tears a bride shed on her wedding day would bring luck and rain for their crops. In later times, people believed that the bride would never shed another tear about her marriage if she cried on her wedding day. Most brides now carry the handkerchief to dab away tears of joy.

Something Old, Something New, Something Borrowed, Something Blue

According to tradition, a bride should wear all of these four things. In ancient Europe, it was believed that these things warded off evil spirits.

  • Something Old: This symbolizes the ongoing continuity of the bride’s family life and bond while making the transition from single to married life. Many brides choose to wear a piece of family jewelry.
  • Something New: Wearing something new marks the transition from single to married life and symbolized the new life of the couple. Nowadays, the wedding dress is almost always the ‘new’ thing.
  • Something Borrowed: People believed that borrowing something from a happily married couple would bring them good fortune. Suitable items are handkerchiefs or jewelry.
  • Something Blue: Contrary to what people believe these days, white was not the color representing virginity, fidelity, and purity, but blue was. Lots of brides choose a blue garter for ‘something blue’.

…and a Penny in Your Shoe

The rhyme is actually one sentence longer than we think, it ends with the words: ‘and a penny in your shoe’. The penny brings good luck and fortune.

Wedding Cake

Sharing the first piece of the wedding cake stems from Roman times. Roman wedding cakes were made of wheat or barley which represented fertility. By eating the first piece of the wedding cake the couple would be blessed with fertility.