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While plastic surgery might remain for many of us something of a pipe dream Max Scharping Youth Jersey , the thing we'd do if we won the lottery, for those in the entertainment industry, it has slowly but surely become akin to an entry pass into Hollywood. While there are still a large percentage of women in the general populace who are quite content to sit around with their girlfriends and talk about what they would have done, there is a certain faction of womankind - though as the pressure to conform to a particular 'look' increases, the male membership of the group increases also - for whom plastic surgery is simply inevitable.


It is very difficult to find a woman in tinsel town whose only surgeon has been the natural passing of time - in fact, there is a growing subsection of the entertainment and gossip industry that thrives off the maudlin reportage of what stars are having done Lonnie Johnson Jr. Youth Jersey , and how wrong it is going. While there is undoubted interest, and even admiration, for the woman who has had plastic surgery go right, we seem to take greater delight in perusing photograph after photograph of some former beauty who has suffered the misfortune of having something not quite go to plan in the surgery room.


Because regardless of the star who succumbs to the knife, and regardless of the surgeon who wields it, the fates sometimes frown on surgery Tytus Howard Youth Jersey , and the rich and famous take the same risks with plastic surgery that the rest of us do. But this inherent danger seems to be of little consequence, as the list of surgery supporters grows ever larger. And while we continue to gaze with wonder at the beautiful celebrities that fill our magazines, it becomes increasingly difficult to find one that has not yet been surgically enhanced. Because it seems that to succeed in a world where talent is only second best, the surgical manipulation of physical appearance really is inevitable.

No Equity Home Loans Could Fix Leaking Roofs But Cost You A House

Posted by nick_niesen on October 29th, 2010


If you could wish yourself somewhere else, you would. Bills are mounting Deshaun Watson Youth Jersey , the roof is leaking, and you're in the middle of the worst rainy season in recent memory. For the moment, however, you're pressed for time and strapped for cash, and there's not much you can do about these. Then, out of the blue Justin Reid Youth Jersey , a lender shoves a mouth-watering offer at you, in the form of a no equity home loan. 聯Salvation,聰 you think.


Before you jump in and take as much as the lender can give, take the time to mull over this question: is a no home equity loan truly the answer to your financing needs? There is a big gulf of difference between drawing on the value of your home when you get a no equity home loan and exceeding this value.


Consider the following before signing anything:


1. Can you take the risk?
Some experts see no equity home loan as a glossed-over nickname for a high loan to value, or LTV, home equity loan. An LTV loan is one where the loan granted will be equal to DeAndre Hopkins Youth Jersey , or even exceed by as much as 25%, the mortgage value of your home.


2. Can you handle the interest rates?
Usually, a no equity home loan comes with high interest rates - say, 2 to 6 percent higher than the standard. However, while the rates of no equity home loans are typically higher, they vary depending on a host of factors Cullen Gillaspia Womens Jersey , such as your credit status, the financing institution, interest rates prevailing in the market, and the loan聮s structure.


3. Can you take on the added requirements?
In obtaining a no equity home loan, you must take out a private mortgage insurance, or PMI. This adds between 0.5 to 1 percent to your total loan. PMI covers the loan聮s total amount that is more than 80% of your home聮s total estimated value but not over 100% yet. This means PMI is tied to 20% of the secured portion of your loan.


4. Can you manage the tax implications?
Home equity loans with interests of up to $100 Kahale Warring Womens Jersey ,000 are tax deductible. If you have a spouse and both of you file separate tax returns, divide this amount by two. In high-LTV loans, no benefit like this applies. So, if you take out a no equity home loan, you had better be prepared for tax season because any loan amount in excess of your home聮s actual value is not tax deductible.


5. Can you live with the inconvenience should you ever have to sell you home?
Suppose you have to sell your house on short notice. The house is valued at $200,000 and you owe $250 Max Scharping Womens Jersey ,000 on it. You have a problem sitting on your lap, and it's the same problem that's lining your pocket. Failure to come up with the full amount you borrowed obviously causes default in your loan financing. Can you say bankrupt without wincing?


So, what now? Water still trickles down the roof, and your bills continue to pile up with clockwork precision. Loans may seem the only oasis in the financing desert, but applying for no equity home loan is not a practical solution to your financial woes. If you truly have to take out a loan to get that roof fixed, look for a hybrid of traditional home equity loan and unsecured personal loan. No equity home loans could fix the leak Lonnie Johnson Jr. Womens Jersey , but it might cost you a wh