Home Loan Today – Gone Tomorrow

You have finally purchased a home of your own. For so many years it seemed to be like a dream always just a little out of reach. What happens next? You do not need to be shackled to your home loan for 25 or 30 years. Here are some useful tips to help you pay off your mortgage sooner and achieve “true home ownership”.

Avoid Honeymoon Offers

Many lenders use introductory or honeymoon rates as marketing tools to attract new borrowers. You are initially offered a cheap rate on your loan to get you in the door but once the honeymoon period is over, the lender will switch you to a higher variable rate of interest.

To understand the true interest rate you end up paying with a honeymoon product – look at the advertised comparison rate on such a loan. Invariably you pay less today but more in the long run.

Pay more to get ahead

It is a very simple concept to grasp – the more you pay off your mortgage every month the faster you will pay off your loan. Most people think in terms of making sure they pay just enough to cover their set repayments. By doing this you will keep your mortgage for the full loan term of 25 or 30 years. The key to paying your loan off faster is to make as many ‘extra’ repayments as you possibly can.

Increase the frequency of your repayments

One of the simplest and best strategies for reducing the term and cost of your loan (and thus your exposure should interest rates rise) is รถยนต์มือสองเชียงใหม่ to make your repayment on a fortnightly rather than monthly basis. By splitting your monthly repayment into fortnightly you will effectively be repaying the same annual amount but your outstanding loan balance will reduce faster.

Amazingly enough, this change can cut thousands of dollars and years off your mortgage.

The reason for this is that there are 26 fortnights in a year, but only 12 months. Paying fortnightly means that you will be effectively making 13 monthly payments every year. And this can make a big difference.
Have you considered a professional package?

Most lenders offer a range of professional packages to clients who are prepared to pay a small monthly fee. These packages offer a reduction to the standard variable interest rate, can come with a cheaper home insurance, fee-free credit cards and a number of other options.

Consolidate and save

If on top of your home loan you also have other outstanding loans such as a personal loan, credit cards, car loans etc. – by consolidating all your other outstanding loans into your mortgage you can generally significantly reduce your overall loan obligations and hence have more funds available to apply to your mortgage.

Many lenders will allow you to re-finance – your other debt under the umbrella of your home loan. This means that instead of paying 15 to 20 per cent on your credit card or personal loan, you can transfer these debts to your home loan and pay it off at a home loan rate.
Utilize your available equity

Home equity is the difference between the current value of your property and the amount you owe the lender. For example, if you have a property worth $500,000 on which you owe $200,000, you are said to have home equity of $300,000. In most cases you should be able to establish a line of credit or a home equity loan to access these funds.

Keuntungan Main di Situs Online Poker Terbaik

Sebagai pemain poker kalian harus tau apa saja keuntungan yang bisa kalian dapatkan ketika menggunakan situs online poker terbaik. Permainan poker ini terbilang unik dan menarik, ditengah-tengah perkembangan jaman ini game poker masih menjadi pilihan dan banyak sekali peminat permainan ini untuk sekedar mengisi waktu luangnya. Tentu keuntungan yang ditawarkan juga menjadi salah satu alas an mengapa game poker tersebut tetap eksis hingga sekarang.  Dan karena perkembangan teknologi yang cukup pesat, hal ini mampu memberikan pelayanan yang lebih memuaskan. Seperti halnya dengan keuntungan yang ditawarkan saat ini, yakni dengan menggunakan situs online poker terbaik Saat sekarang ini smartphone android tentu menjadi suatu kebutuhan bagi setiap orang. Dan karena hal tersebut permainan poker ini sendiri juga mengeluarkan solusi terbaik bagi pengguna android. Yakni dengan bisa nya permainan poker ini di akses melalui smartphone android yang kalian miliki. Seperti poker1001 apk yang menarik dan harus kalian coba karena kemajuan dalam game poker ini memiliki daya Tarik yang luar biasa. Simak ulasan dibawah berikut ini!.


Akses Semakin Mudah

Dengan dapatnya pengguna menggunakan situsonline poker terbaik ini tentu akan menarik banyak minat para pengguna android ini sendiri. Hal ini dikarenakan akan semakin mudahnya akses yang dapat kalian rasakan. Dengan adanya hal ini tentu akan mempermudah bagi kalian yang ingin memainkan permainan ini. apalagi saat ini kualitas android yang kalian miliki tentu semakin baik, dan ini juga akan berdampak baik bagi kalian yang ingin bermain permainan ini.  koneksi internet hingga kualitas baterai yang bagus juga akan semakin mendukung proses permainan hingga kualitas permainan kalian. Dan jangan khawatir, dengan kelebihan tersebut kalian dapat mendownload aplikasi dengan sangat mudah tentunya.


Bermain Semakin Praktis

Bermain poker melaui android tentu dirasa akan lebih praktis. Karena bagi kalian para penikmat permainan ini tentu tidak perlu jauh-jauh lagi untuk sekedar bermain permainan ini. kalian tetap dapat memainkan permainan dimanapun dan kapanpun yang kalian suka. Aplikasi poker melalui android ini juga terbilang sederhana dan dapat mudah dimengerti untuk setiap pemain. Hal ini tentu membantu para pemain untuk mempermudah dalam bermain permainan poker tersebut. Hal ini juga akan membuat kalian puas karena telah menggunakan permainan poker melalui android tersebut.


Tingkat Keamanan Yang Bagus

Kelebihan kedua yang dapat kalian rasakan adalah tingkat keamanan yang terjamin bagus dari aplikasi tersebut. Dikarenakan seringnya terjadi hack pada akun pengguna tentu ini membuat sebagian penggunan merasa terganggu dan resah. Namun dengan menggunakan aplikasi ini tentu kalian tidak perlu khawatir akun kalian diretas oleh orang yang tidak bertanggung jawab. Dan dengan keamanan ini tentu juga akan berpengaruh dengan keamanan data diri kalian yang merupakan privasi dari masing-masing pengguna. Kalian tidak perlu khawatir lagi privasi kalian di salah gunakan oleh orang yang tidak bertanggung jawab.


Akses Notifikasi Akun Lebih Cepat

Dengan bermain poker melaui android tentu akan menjadi lebih mudah dibandingkan menggunakan website. Hal ini dikarenakan belum adanya notifikasi dalam permainan menggunakan website, sedangkan menggunakan android kalian akan dipermudah dengan adanya notifikasi. Dengan adanya notifikasi tentu membuat respon yang dilakukan oleh para pemain menjadi lebih cepat.

Itulah beberapa keuntungan yang bisa kalian dapatkan ketika bermain situs online poker terbaik. Semakin sering kalian bermain maka akan semakin banyak keuntungan yang kalian dapat, selamat bermain guys.

The Benefits of Hiring a Personal Trainer For Your Basketball Training

Lebron basketball cards are extremely popular collector’s items for any card collector. But there are a few of them which possesses the maximum value in terms of reputation and price. This article will tell you all about these basketball trading cards.

Basketball trading cards are becoming a valuable collector’s item for sports lovers these days. With the cards related to famous players like Lebron James their value is reaching extreme heights and sports fans are ready to pay any price for them. Lebron basketball cards are in the highest demand by fans and usually come with a 5 digit price tag especially if it’s a Lebron rookie card.

These basketball cards act as the ultimate collector’s item for any serious basketball trading card collectors as they contain the track records of the players who are legends of basketball like Lebron James, Michael Jordon, Magic Johnson or Dwight Howard. The cards’ massive reputation and value is due to the player. As a high school player Lebron was one of the few lucky ones who made it straight to the professional circuit. He is one of those talented players who got his recognition from his high schooldays despite his rookie status. Due to his immense  basketball legends reputation and undefeated scores Lebron basketball cards are the most popular among collectors.

However, the biggest problem collectors face while buying any of the Lebron basketball cards is understanding the real value of these. Though all of them are equally valuable there are a few selective ones which are worth your collection due to their rarity. Usually it is best to buy the ones that have the player autographs on it rather than just having a picture with his or jersey only. If you want to invest in the best then you must go for a Lebron rookie card which is indeed the most valuable. These rookie cards have serial numbers and some of them are hand signed by the legend himself. Some of these cards are:

• 2003-04 Topps Chrome Lebron James Rookie Card
• 2003-04 Topps Chrome Lebron Rookie Card
• 2003-04 Bowman Chrome Lebron James Gold Rookie Refractor
• 2003-04 SPX Lebron James Jersey Autograph Rookie Card
• 2003-04 Exquisite Autograph Lebron James Rookie Card

These cards are certainly treasures to all serious card collectors and any collector will pay a fortune to get his or her hands on one of these rookie cards. Till date all these cards posses the ultimate value and remain as the most popular collectors items of all time.