Home Improvement Loans ? Financing Your Fixer-Upper | Home ...

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With the our housing stock aging, new construction inventories dwindling and the suburban flight back to urban America the need for renovation and has increased dramatically in recent years.

When most think of home improvement financing the first thought that pops up is your good old Home Equity Line of Credit (HELOC). In the past that may have been the best direction to go and for a very select few it is still the best way to go. However, this mortgage market is different than the past.

With home values plummeting, equity disappearing and guidelines ever in flux new home improvement financing options have taken center stage.

Whether it be purchase and renovate or refinance and renovate this new crop of players have shown they are better suited and more flexible then your traditional 2nd loan and HELOC financing options. SO, who are the new players and how do they work?

While has been around for years, the loan was hardly ever utilized until put back into play by declining values, beat up foreclosure stock and tightening credit guidelines.

The ?offers flexible credit?qualification, low down payments on purchases, minimal equity needed on refinances and an appraisal bsed on after-repair value.?

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Passable,?serviceable?veterans of the industry, HomeEquity loans suitable for certain situations. If you have significant equity then a HELOC is usually the cheapest way to tap into it for renovations.

However, unlike & renovation products, Home Equity Loans use the current value of your property without consideration how much value your home improvements will add.

This, along with lower allowable loan to values, typically means fewer dollars to tap into for your renovation. Finally, the credit qualification guidelines for s are much stricter than that of .

When you combine as-is valuation and tough credit qualification you get fewer?qualified?customers and a loan product that isn?t always suited for this mortgage market

A relative newcomer to the home improvement scene, the Homestyle is the conventional sister to the 203K.

More flexible when it comes to repair, but harder to get approved. This loan fills some large gaps left by FHA renovation financing though.

Unlike FHA loans, the works for 2nd homes and?investment properties. It also works for unfinished builder foreclosures which is huge if you?d like to get a great deal on a new construction home.

An added bonus is that you can have more than one Homestyle loan, FHA typically only allows you to have one loan at any given time.

For years cash-out refinances were THE way to tap into your homes equity for improvements.

However, much like ?HELOC?s they are based on the current value of your house and not the after repair value like & renovation loans. This means less room to renovate and with declining home values, fewer?qualified?customers.

In closing, for you lucky folks that still have significant equity in your home you may be able to complete you home improvements by tapping into your equity via a or a .

For the vast majority of folks across this great land who simply don?t have enough equity you?ll need to explore renovation products like the and renovation loans that are based on after repair value.

For those of you that are looking to purchase a fixer upper those two renovation products are likely your ONLY option to find financing

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Source: http://www.kundaliniboat.com/home-improvement-loans-financing-your-fixer-upper.html

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Gunman wounds two clergymen at Florida church (Reuters)

ORLANDO, Fla (Reuters) ? A man shot and injured the pastor and associate pastor of a central Florida church on Sunday after killing another person at a home nearby, police said.

Witnesses said 57-year-old Jeremiah Fogel ran through the front door of the Greater Faith Christian Church in Lakeland, Florida and shot the two clergymen, according to the Polk County Sheriff's Office.

He then was tackled and held by parishioners until authorities arrived, the sheriff's office said.

The pastor and associate pastor were being treated for their injuries at the Lakeland Regional Medical Center. No other church members were injured.

Authorities took Fogel into custody. They did not immediately release details of the fatal shooting at the residence.

(Writing by Colleen Jenkins; Editing by Ellen Wulfhorst)

Source: http://us.rd.yahoo.com/dailynews/rss/crime/*http%3A//news.yahoo.com/s/nm/20110918/us_nm/us_crime_church

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Wholesale Nutritional Supplements ? Helping the complete Health ...

Article by Eugenio Leach

Right now, you will discover data that expose the human body obtains merely forty percent nutritional value from the foodstuff it feed on. Even though you?ll notice information, saying this figure isn?t accurate, while various claims, recognizing this type of number is really lower. Anyway, unless an individual keeps a patio or garden to keep organically grown fresh vegetation to harvest and take in daily, many health professionals recognize that the meals we all purchase at the grocery are usually not that nourishing. The majority of the natural foods set off way miles and they prepare many food products to actually expand the shelf existence. Companies push themselves to count on inorganic bug sprays and plant foods for their crops so as to receive greater benefit, though you will discover makers that use anti-biotics, hgh as well as for animal processing, they utilize inhumane confinement. As a result of the presence of higher fat, unhealthy calories and glucose foodstuffs, as well as minimal fiber foods turning out to be favorite, the actual issue related to refined food items is expanding in contrast to nutritious food products such as veggies and fruits. Cardiovascular disease, fatness, all forms of diabetes, joint inflammation along with other acute ailments remain to impact plenty of people internationally and researchers set off to admit that ideal diet plan plays a huge component in healing and stopping health conditions. Typically, the essential ideas to a nutritious dieting include choice, slight consumption and well-balanced. Numerous differing sorts of food items, a reasonable amount of distinctive types of food products, and feeding on some of the foodstuffs without excess should render the body system together with the particular nutrition it necessitates and to be able to keep it in top condition. Though developments in the industry of foodstuffs endlessly created protection and excellent meals, you can find problems about the nutrients substance that many foodstuffs contain. Usually, the food most of us eat need to present the perfect nutrients, yet it is turning out to be tricky to get such foodstuffs that are developed without chemicals. Decades of weak farming methods lessen the nutrition of the food items, which are essential for the overall wellness. Now this is the basis why wholesale nutritional supplements are necessary these days. Suppliers develop nutritional or vitamin supplements to help provide nutritional value, both important and non-essential that are typically not obtainable in the typical diet. Furthermore, whey protein supplements, nutritional supplements are essential element of healthy regimen and deliver significant features. These types of alternatives help correct the deficiencies in nutritional requirements and enhance the body?s defense mechanisms. Additionally, you will find an expanding logical evidence that sustains the nutritional supplements positive effects and their initial function would be to help out in perfect health and wellness. The truth is, countless wholesale nutritional supplements may supply many gains. Right now, keeping the comfort, cost, quick and/or refined food items availableness, risky nutritional requirements of nutrition-crammed foodstuffs substance and poor dieting routine, vitamin supplements always expand their reputation like a perfect supplement to a well-rounded eating plan. Bear in mind, nutritional supplements are important for the overall health and wellbeing of the entire body.

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Defense Nutrition Wholesale ? Buy Wholesale Vitamins and Nutritional Supplements on Salewholesale nutritional supplements

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Source: http://virtualmauritania.com/wholesale-nutritional-supplements-helping-the-complete-health-and-fitness%C2%A0%C2%A0.html

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Planning Food Cost For Retirement-How ... - Ians Live Investing Guide

Many people forget throughout their retirement planning to strategy for each and every expense that will arise throughout their retirement. This is precisely the reason most Americans get to their retirement years and discover they don?t have enough money to retire on.

Based on the Social security administration, 95% of individuals won?t have the ability to retire comfortably. Sadly, this stat might have been alleviated by many people from some easy and thorough planning for the costs they will be faced with following retirement.

Obviously, food price is among the biggies that many people overlook when preparing this essential stage. Most people get so caught up in preparing for their housing, vehicles, and other bigger expenses, they forget about this everyday, seemingly trivial costs. Obviously, as I?m certain you are aware of now, food costs can truly add up if you are not cautious.

In preparing for these food costs for retirement, initial of all, sit down and figure out exactly what you spend on food each and every week now. Now determine just how much that figure is per month, after which per year. You should already be performing this procedure now in keeping track of your expenses, and most people do a very poor job of tracking their expenses prior to retirement also. Nevertheless, that?s an additional story for another day.

Once you?ve gotten this figured out, now simply multiply that number by about 25 or 30 (usually secure) and you?ve got about how much money you?ll need for your food costs when you retire. Obviously, this number isn?t ideal, based on how long you live once you retire. Obviously, you do not know this, so you have to at least do what you are able to.

When you know this, that?s fantastic, but you also have to take into consideration your other costs also. In your retirement preparing process, each and every expense must be accounted for; with out this clarity, you can by no means accomplish your retirement goals, whatever they might be. Sadly, it is this same lack of clarity that stops many people from getting enough money when they retire.

In this process, there is a lot of great retirement preparing software that will make this stage a lot simpler. Also, you may try performing a fast internet search for retirement planning calculator, and you will get up literally millions of results. There are many monetary businesses which will offer you these calculators at no cost to ensure that you use them and hopefully get hooked on ultimately hiring that company and their services. Whether you do this or not, you can definitely nonetheless benefit from the totally free software program obtainable.

Now, once you know this info, you need to determine how you plan on getting that cash to live on. For most individuals, this will be achieved thought the stock marketplace, whether it be mutual funds, savings bonds, foreign currency exchange, futures, or regular stock investing.

Obviously, you are able to also invest in actual estate and other assets also. If you aren?t financially educated and do not know how to tell a great investment from a poor one, you?ll either want to read books and educate yourself, or hire a monetary advisor to let you know the best investments to put your money into. Clearly, becoming financially educated yourself is certainly preferably, because you?ll have the opportunity to spot investment opportunities on your own.

Keep in mind, nobody else will ever care as much about your monetary scenario as you, so becoming able to do this is invaluable. However, probably the most essential component at this state is to either use your personal or somebody else?s expertise to help you find the leading investment vehicle to assist you accomplish your goals.

Once you?ve carried out these planning food cost for retirement along with other expenses steps, and decided on the proper investment vehicle to get you there, you are nicely on your method to achieving your objectives. Now it is merely time to take action.

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Source: http://www.ianslive.com/planning-food-cost-for-retirement-how-to-achieve-the-money-you-need-to-retire-comfortably-on/

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The Japan Automotive Auction And What To Expect

This article has been viewed 17 times.

Japan is understood for its many automobile auctions the country holds. Japan has turn into a country that?s somewhat well-known for its cars, especially because it sells thousands of cars daily to nations everywhere in the world.

When going to the Japan car auction, it?s best to return ready, bidders can far more aggressive and cruel in comparison with that of other countries. We once went to an automotive public sale in Japan to search out prices going lots higher and bidders actually fighting for cars. This can be referred to as bidding wars, and to be honest, isn?t actually really helpful until you actually know what you?re doing and have the ability or capacity to sell automobiles on for large profits.

Big time companies usually have the mass advertising energy to sell the vehicles hey get hold of, they also have the person power to have the automobiles performed up to a brand new condition. They pay money for cars cheaper than normal on the Japan automotive auction after which they sell them on for huge income one by one.

Japan is famous for doing this and there are literally thousands of dealers in Japan who are devoted to cars. Japan is large financial system nevertheless, and you will see that there are sellers in pretty much all the things you can think of.

The folks of Japan at the Japan automotive public sale

The people of Japan typically keep themselves to themselves, nevertheless, with regards to trading and dealing goods particularly that of cars, they are prepared to sell to anybody no matter location. The placement of an organization or person makes little difference to Japan.

If they will generate profits on an item, you may be positive Japans persons are individuals who will try this, and they?re going to try and do it on a mass scale that go means above the typical selling energy of many individuals in normal countries.

The Japan automobile public sale is a famous auction not as a result of there?s a specific auction in Japan, but because there are numerous auctions buying and selling in cars and all have change into in style as a result of booming car trade in Japan.

Our conclusion on the Japan automobile public sale

Remember if you happen to from abroad, and also you travel to Japan to do some dealing in cars, be very careful not to get caught up in bidding wars, as talked about above, people in Japan are heavily business minded and if they need to out bid, they greater than possible will.

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Source: http://skykery.info/women-only/female-health-issues/the-japan-automotive-auction-and-what-to-expect/?utm_source=rss&utm_medium=rss&utm_campaign=the-japan-automotive-auction-and-what-to-expect

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Best Western's ?Back to Business Travel Season? Survey Reveals That

Best Western?s ?Back to Business Travel Season? Survey Reveals That

Best Western?s ?Back to Business Travel Season? Survey Reveals That Half of All Business Travelers Use a Car Most Often When Traveling for Business

Survey: 73 percent of business travelers expect to travel the same amount or more this fall compared to fall 2010

PHOENIX, Sept. 14, 2011 - Seventeen percent of business travelers plan to travel more for business this fall compared to the fall of 2010 and more than half (56%) expect to travel the same amount for business this fall compared to last year, according to a survey conducted by Harris Interactive on behalf of Best Western International, Inc. (http://www.bestwestern.com) this month among over 2,000 U.S. adults and released today.

(Logo:? (http://photos.prnewswire.com/prnh/20110111/LA27838LOGO)

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Best Western?s ?Back to Business Travel Season? survey also found 51 percent of business travelers most often use a car most often when travelling for business, followed by 36 percent who most often use a plane.

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The survey looked at fall business travel trends and amenities that are important to business travelers.? According to survey findings, travelers don?t want to be ?nickel and dimed? when on the road, as 80 percent of business travelers expect high-speed Internet to be included in their hotel?s advertised room rate.

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?Despite uncertainly on Wall Street, we expect to see a growing number of business travelers back on the road this fall as advance bookings at our hotels are up eight percent this fall over last,? said Dorothy Dowling, senior vice president of marketing and sales for Best Western International. ?Guests and business travelers are growing tired of surprises at check out, and we?re seeing that pricing transparency is growing in importance. All of our properties offer free high-speed Internet as we know that our loyal business guests appreciate it and rightfully so, have come to expect it.?

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Additional highlights from Best Western?s ?Back to Business Travel Season? survey, conducted September 7 through 9, 2011 among 2,038 adults aged 18 and older, include:

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? ? Business travelers expect value. Nearly 40 percent of business travelers
? ? ? say a travel pet peeve is paying for amenities such as breakfast or
? ? ? parking (38 percent) that they expect to be included in the room rate.
? ? ? When it comes to being charged for amenities, 74 percent of business
? ? ? travelers expect parking to be included in a hotel?s advertised room
? ? ? rate and 65 percent expect breakfast to be included.
? ? Loyalty programs pay for business travelers. Of those business travelers
? ? ? that belong to loyalty programs, 38 percent use hotel-based loyalty
? ? ? programs (i.e., earning points when staying at a specific hotel chain)
? ? ? most often while 34 percent use airline-based programs (i.e., earn miles
? ? ? when flying with a specific airline) most often. Twelve percent of
? ? ? business travelers use a travel branded credit card (i.e., a credit card
? ? ? that, when used, earns miles or points when you fly with a specific
? ? ? airline or stay at specific hotel chain) most often.
? ? Free hotel room nights are valuable to business travelers. Of loyalty
? ? ? program members, 66 percent of business travelers would like to redeem
? ? ? their loyalty points for free nights at a hotel. Thirty eight percent
? ? ? said they would like to redeem points for retail and restaurant gift
? ? ? cards and 13 percent would redeem points for charitable donations.
? ? Business travelers are savvy with loyalty programs. Nearly half of
? ? ? business travelers who belong to a travel loyalty program (48 percent)
? ? ? consider themselves an ?intermediate? or ?savvy? loyalty program user in
? ? ? that they check their points balance often, redeem points and tend to
? ? ? use multiple programs at once.
? ? Airport woes continue to peeve business travelers. Flight delays and
? ? ? long security lines at the airport are pet peeves amongst 39 and 32
? ? ? percent of business travelers, respectively. Other travel pet peeves
? ? ? include lack of quality sleep (29 percent) and lack of healthy food
? ? ? options (29 percent).

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This ?Back to Business Travel Season,? which unofficially begins after the Labor Day holiday weekend, business travelers can earn double points with Best Western Rewards? (http://www.bestwesternrewards.com) during the chain?s Fall Promotion. Guests who stay two separate times at any Best Western hotel worldwide will earn double rewards on their second stay. Points can be redeemed for global free room nights with no blackout dates. For more information and to register for the Fall Promotion, visit http://www.bestwestern.com/fall.

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Survey Methodology

This survey was conducted online within the United States by Harris Interactive on behalf of Best Western International from September 7-9, 2011 among 2,038 adults ages 18 and older, among which 780 say they travel for business (?business travelers?). This online survey is not based on a probability sample and therefore no estimate of theoretical sampling error can be calculated. For complete survey methodology, including weighting variables, please contact Meghan Lee at .(JavaScript must be enabled to view this email address).

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ABOUT BEST WESTERN INTERNATIONAL, INC.

Best Western International, Inc. is THE WORLD?S BIGGEST FAMILY(SM), providing marketing, reservations and operational support to over 4,000* BEST WESTERN?, BEST WESTERN PLUS? and BEST WESTERN PREMIER? hotels in 90* countries and territories worldwide. Each Best Western-branded hotel is independently owned and operated. Now celebrating 65 years of hospitality, Best Western has grown into an iconic brand that hosts hundreds of thousands each night. Equally committed to the business and leisure traveler, Best Western has embarked on a mission to lead the hotel industry in customer care. World Vision is the charity of choice for Best Western in building the world?s biggest family, with our hotels and staff sponsoring children in need around the globe. Our partnerships with AAA/CAA, Michael Waltrip Racing(TM) and Harley-Davidson? help guests make the most of every trip. For the fastest way to a free night globally, join Best Western Rewards?. For more information or to make a reservation, please visit http://www.bestwestern.com.

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*Numbers are approximate and can fluctuate.

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ABOUT HARRIS INTERACTIVE

Harris Interactive is one of the world?s leading custom market research firms, leveraging research, technology, and business acumen to transform relevant insight into actionable foresight. Known widely for the Harris Poll and for pioneering innovative research methodologies, Harris offers expertise in a wide range of industries including healthcare, technology, public affairs, energy, telecommunications, financial services, insurance, media, retail, restaurant, and consumer package goods. Serving clients in over 215 countries and territories through our North American and European offices and a network of independent market research firms, Harris specializes in delivering research solutions that help us - and our clients - stay ahead of what?s next. For more information, please visit http://www.harrisinteractive.com.

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? CONTACT:? Troy Rutman ? ? ? ? ? ? Meghan Lee
? ? ? ? ? Best Western International ? Allison & Partners
? ? ? ? ? (602) 957-5668 ? ? ? ? ? (415) 271-8606
? ? ? ? ? .(JavaScript must be enabled to view this email address)? .(JavaScript must be enabled to view this email address)

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SOURCE Best Western International, Inc.

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Best Western International, Inc.

Web Site: http://www.bestwestern.com

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Posted on Sep 14, 2011 - 01:16 PM ? Print

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Push for action in euro zone fuels gains (Reuters)

NEW YORK (Reuters) ? Stocks rose 1 percent in a third day of gains on Wednesday after European leaders displayed new urgency in efforts to contain the euro zone debt crisis.

German and French leaders called on Greece to implement all financial reforms "strictly and effectively," a German government spokesman said.

Greece expects policymakers to report that Athens is on track to fulfill its targets and receive the aid it needs to avoid any chance of a debt default, a Greek official said.

Adding to the relief for investors, Italian Prime Minister Silvio Berlusconi won a confidence vote on an austerity plan for Italy, the euro zone's third-largest economy.

Fears that Europe's crisis could plunge it into recession and drag down global growth have hammered stocks for weeks. Stocks that are typically well positioned to benefit from economic growth, such as General Electric (GE.N) and other industrial shares, were top gainers.

"What we're watching is global hedge funds, at least momentarily, throw the risk-trade switch back on, directing funds away from the dollar and into the euro and into global equities," said Fred Dickson, chief market strategist at D.A. Davidson & Co. in Lake Oswego, Oregon.

Sentiment received an early boost after Europe's top bureaucrat said plans for a common euro zone bond, seen by many as a key tool to ease the region's festering debt crisis, would soon be presented.

The Dow Jones industrial average (.DJI) was up 140.88 points, or 1.27 percent, at 11,246.73. The Standard & Poor's 500 Index (.SPX) was up 15.81 points, or 1.35 percent, at 1,188.68. The Nasdaq Composite Index (.IXIC) was up 40.40 points, or 1.60 percent, at 2,572.55.

The S&P 500 is still down 11.6 percent since July 22, roughly when the market's recent slide began.

The actions by European leaders followed an urgent call by U.S. Treasury Secretary Timothy Geithner for them to act forcefully to solve Europe's debt crisis. Geithner said they have the financial and economic capacity to do so.

Geithner will attend an informal meeting of EU finance ministers in Poland on Friday.

Conglomerate GE ended 2.5 percent higher at $15.79. Tech stocks also were among top gainers, and the Nasdaq outperformed the other two major indexes for a third day.

Shares of Nvidia Corp (NVDA.O) jumped 5.2 percent to $15.28, while SanDisk Corp (SNDK.O), another chip maker, rose 4.2 percent to $42.66.

Dell Inc (DELL.O) added 3.3 percent to $14.86 a day after its board authorized an additional $5 billion stock buyback program.

Volume was 8.5 billion shares on the NYSE, Amex and Nasdaq, above last year's average of roughly 7.6 billion.

Advancers beat decliners by nearly 11 to 4 on the NYSE and by about 9 to 3 on the Nasdaq.

The day's U.S. economic data was mostly brushed aside by investors. Growth in retail sales stalled in August while business inventories rose slightly less than expected in July, suggesting caution by firms about demand at the start of the third quarter.

(Reporting by Caroline Valetkevitch; Editing by Kenneth Barry and Leslie Adler)

(Corrects to make clear that Moody's downgrade of Societe Generale was not due to its exposure to Greece. The error also appeared in previous versions of this story)

Source: http://us.rd.yahoo.com/dailynews/rss/stocks/*http%3A//news.yahoo.com/s/nm/20110914/bs_nm/us_markets_stocks

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