Whether you’re car is just five years old, or has seen the better part of the decade, you may notice you’re having problems with it. Although getting auto repair can be a hassle sometimes, it’s much better than shelling out hundreds of dollar each month on an expensive car note. Sure, you can enjoy that great new-car smell as well as numerous bells and whistles. Yet, if you really want to make a great choice, consider just fixing up your vehicle and spending your money in a variety of other areas.
Bathrooms are an easy spot to literally flush renovation money down the drain. Instead of springing for a steam bath and Italian fixtures, try a more sensible approach. Stone countertops, new hardware and a bit of tile around the tub will give a new look to your old powder room. A fresh coat of paint is always a wise investment. Paint brings old cabinets back into more trendy environ. The key is longevity. Make choices that endure the changing style standards of time. Whether you choose to sell or stay, bathroom renovations pay off handsomely.
While a Line of Credit can be used for anything from a car loan to an overseas holiday or home renovations, education expenses, further investment etc., one of the best uses for this facility is Debt Consolidation. By using some of your line of credit to repay all your other unsecured debts, you will see yourself paying around 7% interest on these debts instead of 15-20%. Therein lies a major saving allowing you to reduce your monthly obligations and pay off your mortgage faster.
First, a huge obstacle many older people or people with knee issues face, getting up and down the stairs. Many homes have basements nowadays. Washers and dryers are often kept on this level. I know in my Uncles case he has both his wood working area and his hunting workshop set up in the basement. It is important to still access these areas even if our knees and hips don’t allow for it anymore. Stair lifts have been invented for this purpose. A lift is practical and can be installed on any type of stairs. Search out a local contractor in your area that is licensed and works with companies to meet the physical challenges of their clients.
And while we’re on the subject of books, I suggest taking a peek at “The Imperial Life in The Emerald City,” by journalist Rajiv Chandrasekaran. It’s all about the early days of Baghdad’s Green Zone with stories of corruption and incompetency. Deep amongst the pages is the story of Bernard Kerik, who, fresh from his “leadership” on Sept. 11, 2001, was sent to Baghdad to train the new Iraqi police force. Chandrasekaran reports however, that Kerik slept all day, was scared to be out of his quarters, and after only a few weeks quit the assignment and disappeared from Iraq along with a huge sack of greenbacks that he was supposed to use to set up the police force.
Building a stronger marriage will take some reflection. Something from your marriage has been missing. More than likely, certain needs have not been met for one or the other partner to have engaged in an affair. You and your husband will benefit by giving thought to what might have gone wrong within your marriage. If necessary, look for outside resources such as a marriage counselor to uncover where the relationship has gone wrong.
Your home equity line of credit can help secure your children’s future. You might face increasing financial difficulty in sending your kids to school, so your HELOC is a welcome answer.
A second mortgage can be taken on the home to pay for a child’s college or university fees. As this loan is usually a large amount of money this would be ideal to pay theses expenses.