Cash Fact

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• Hem Style: Finished, Elastic, Straight Hem(s)
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Juniors’ Plus-Size Pure Energy Red/Cream Short-Sleeve Fashion Top 2

Home equity loans have become one of the most popular fund raising options for individuals.

Home equity loans are the loans taken using your home’s equity as the collateral. Thus they are a type of secured loan.

These loans are based on two facts – first, that you have repaid a certain portion of the home mortgage and thus should be able to reutilize that equity; and second that the value of your home has increased since you first purchased it.

The common reasons for taking an equity loan are home improvements, educational expenses, medical bills, debt consolidation etc. There are usually no restrictions on how the borrowed money is used.

The interest paid on such loans is usually tax deductible. Also the interest rates on them are lower than credit card other type of consumer loans. (They are higher than the first mortgage.)

Let’s understand what “home equity” is.

Home equity is defined as the difference between the market value of your home and how much you owe on the mortgage (or mortgages in case you have more than one.)

The market value of your home will be determined by bank’s appraiser or a licensed appraiser.

Suppose market value of your home is $ 100,000 and you have made a down payment of $ 10,000.

Then your equity

= market value – amount owed

= $ 100,000 – $ 90,000

= $ 10,000

After three years if you have paid back $15,000 more of the debt, you will still have $75,000 of the debt left. However after three years the market value of your home would have increased to $ 150,000.

Thus your equity after three years would be

Market value – amount owed

=$ 150,000 – $ 75,000

=$ 75,000

Besides home equity loans (fixed rate home equity loans), there is another type of home equity debt – home equity line of credit or HELOC.

Both of them are known as “Second Mortgages” as they are secured by your home just like the first mortgage.

“Second Mortgages” are repaid sooner than the first mortgages, which are usually repaid in thirty years. Home equity loans usually have a time frame of five to fifteen years.

Home equity loans are a one time lump sum loans, that are repaid over a time period decided beforehand.

On the other hand, home equity line of credit or HELOC allows you to borrow up to a certain limit for the period of the loan. The time limit of the loan is set by the lender. You can withdraw money any time during the time period and repay it any time. It works the same way like a secured credit card.

A HELOC has a variable interest rate that varies through out the period of the loan. The HELOC interest rate depends on the prime lending rate (prime lending rates are fixed by the federal reserve in the US.) The payments can vary depending on what is the amount that has been borrowed, the interest rates and whether the loan is in the draw period or the repayment period.

The credit rating of the borrower is also a factor in deciding the home equity loan interest rates.

The draw period of the line of credit is the period during which you can borrow any amount up to the limit specified by the lender. Also only the interest has to be paid during this period; however you may choose to repay the principal amount if you wish.

During the repayment period, no new debt can be taken and the existing debt must be paid back.

Usually draw periods are for ten years and repayment periods around fifteen years, but this varies depending on the lender’s policies.

Withdrawals for HELOC can be done by checks, credit cards or EFT. Lenders may have certain terms which make require you to take an initial advance when the HELOC is setup, borrow a minimum amount each time you use it and keep a minimum outstanding balance.

If you decide to sell off your home, you have to pay back full amount of the home equity loan.

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Our city yearly puts on a western-themed parade, chili cook-off, rodeo and carnival to raise funds for the local charities. However, over the years our demographics have changed from semi-rural to a more urban, affluent constituency.
Consequently the yearly fund raiser has sufferd from lack of interest and has lost money for the past five years. What alternative functions have your cities found to be profitable?
I should add that the yearly expenses for these functions are above $800,000, so we’re looking for an event, or events, that will bring in around $1,000,000 or more.

New Jersey Town of Westfield Has Rating Reduced Amid Tax Caps
Westfield, a New Jersey suburb where the median family income is more than twice the U.S. average, had its debt rating reduced by Moody’s Investors Service, which cited concerns about the town’s ability to balance its budgets.

Read more on BusinessWeek

There is a trend among new parents to give their children unique or different names, which will eventually lead to a generation of adults who have very different names than do the previous generation.

So, my question is, does that matter?

Would you judge an Ayshlee any different than an Ashley?

A Jareet’sha any different than a Jane?

If you had to hire an applicant, would their names make you assume things about them?

Do you think an oddly spelled name will make life more difficult for the child, or will they value the uniqueness?

Jet Airways and Kingfisher Airlines, the other private full-service carrier in the country, badly require an equity infusion to remain afloat, said an aviation analyst requesting anonymity.

Jet Airways is yet to decide on the fund-raising instrument. As reported, the company has sought the government’s permission to sell shares to overseas investors as it may be hard to raise 400 million Dollars from domestic investors alone.

Any share sale will result in dilution of shareholding of the promoters who hold 80 percent in the company. The Jet Airways stock slipped 0.35 percent to close at Rs 311 on BSE.

The domestic aviation industry has been badly hit by surging crude oil prices last calendar year, which touched a high of 147 Dollars per barrel in September last year. With economic slowdown making people go for cheaper options, full-service airlines have been forced to keep their fares very low to check travellers from moving to low-cost carriers. In the process, they are piling up losses, while budget carriers such as IndiGo and SpiceJet are making money. Jet Airways suffered a net loss of Rs 225 crore for the quarter ended June 30, 2009, on a total income of Rs 2,428 crore. It posted highest-ever loss of Rs 961 crore in the year ended March 31, 2009.

Jet Airways will launch its second daily flight to Hong Kong from India on September 30, with daily services on the Delhi-Hong Kong sector.

Jet Airways has rescheduled its Delhi-Patna-Delhi flight with effect from October 1. The flight would now take off from Delhi at 6.40 pm and reach Patna at 8.15 pm.

On its return journey from Patna, the flight would leave at 8.50 pm and reach Delhi at 10.15 pm, airlines sources said. At present the flight leaves Patna at 9.30 pm

Consumers are cutting back on spending nowadays, but jewelry retailers are looking toward the upcoming summer months, to get consumers back into jewelry stores. Additionally, with the trends of bright colors and bold pieces, consumers can’t help but take notice of and want a piece of fashion item this year.

Fashion magazines are discussing trends in jewelry for the spring in their latest issues, and big pieces are definitely in style. InStyle magazine focused on nature- and tribal-themed pieces and bright colors, while Lucky included a whole spread of classic, yet modern, cocktail rings. In its March issue, Vogue gave brides-to-be some of the magazine’s favorite engagement rings and wedding day jewelry. A lot of this season’s trends are a natural progression from last season. Necks were bare and rings were big, but this season necklaces have made an extremely bold comeback..

For spring and summer 2008, shine is everywhere in terms of fashion accessories. From the purses we carry to the clothes we choose to the shoes we wear, the newest trend is all about shine from head to toe. Jewelry is one accessory that will never go out of style and can last a lifetime with the proper care. So while consumers may be cutting back on a lot of spending, jewelry retailers are hoping that the latest jewelry trends will get consumers into the stores and at least looking at the latest pieces. For upcoming holidays and special occasions, be sure to carry items that are on-trend.

Nature-inspired Jewelry Trend

Nature-inspired Jewelry has become one of the hottest trends in Hollywood today! Tons of celebrities are sporting nature jewelry with both elegant formal wear and casual everyday looks. Snake jewelry is one of the most popular styles of nature-inspired jewelry.

For centuries, people have crafted nature-inspired jewelry in appreciation of the world around them. In the Victorian period, romantic notions about the natural world caused a flourish of nature-inspired jewelry and art. Flower jewelry and images of animals were very popular styles; Victoria herself loved snake jewelry and believed the serpent motif represented fidelity and love. The more people learned about plants, animals, and the oceans, the more they were moved to create nature style jewelry and nature inspired jewelry.

“Enlightenment” Jewelry Trend

Sentimental Jewelry is a strong category not only for self-purchase but also for gift giving. 

Engraved jewelry featuring messages of love, poetry or initials will be the most popular.

Yoga Inspired Jewelry is becoming abundant, reflecting the growing number of people who are adopting this ritual discipline, which is said to bring physical and spiritual alignment. Yoga talismans are also popular among those who just want an overt and motivational reminder.

Green Jewelry and Green Gems are being used in many jewelry collections this season. Jewelers with a green conscience are making a point to incorporate earth friendly methods and materials into their jewelry designs.

Jewelry For A Cause is becoming plenteous. As JFC says, the jewelry industry is that with a heart! Designers today are donating proceeds from sales to endless philanthropic causes and people in need. Designers’ passion comes pouring out artistically through the creation, often reflecting the organization benefiting from the proceeds.

Big, Bold Jewelry Trend

Wearing less jewelry pieces is more when it comes to the top jewelry trends for 2008, but the key ingredient for trend-setting fashionistas is larger, bolder styles that are gem-intensive.

That advice comes from Jesse Chao of Gems by Chao, a leading Houston fine jeweler. Chao specializes in advising her gala-minded clientele-a mix of socialites and philanthropists-and matching fine jewelry to their personal style. In a statement, Chao said women who are already planning to attend galas will be wearing less fine jewelry but adorning themselves with larger, more impressive pieces, for a classic “Grace Kelly” look.  I’ve actually already seen this trend over the past year, less jewelry but each piece that is worn is big and bold – one big bracelet, no necklace but super long earrings.

While I personally don’t feel comfortable in really large jewelry pieces, for that special occasion – red carpet affair for example, it does make sense because of the dramatic statement a few large jewelry pieces can make.

Ethnic inspired jewelry is supposed to be gaining momentum. Due to the increased cost of gold, we’ll see more filigree type designs, which look great but cut down on the gram weight. Now, this sounds interesting!

Bold Pendants Trend
This is no time for a wimpy drop necklace. You need a substantial pendant that really makes a fashion statement, and two of the hottest colors will be yellow and its complementary color, purple.

Yellow
Refreshing gemstones like Citrine, Yellow Topaz, Amber, and Chrysoberyl and simulated Canary Diamond jewelry, topaz glass beads and the Cubic Zirconia substitutes will keep you on top of seasonal jewelry trends! Like this lovely Citrine:
Purple
A great counter point color for yellow is purple, which will also be highlighted this spring. Like this gorgeous pendant.

I am doing a bake sale and garage sale already to assist with my fund raising so I can walk in a local 3 day 50 mile walk for Multiple Sclerosis Society.

I am also making really cute awareness bracelets. Any other ideas?

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Tax reduction proposals: Hearings before the Committee on Finance, United States Senate, Ninety-seventh Congress, first session