Know More About Car And Limousine Services At Houston Airport

Whether you are going to or coming back from the Houston airportor any other airport for that matter, what bothers most of the people is a safe and trouble free journey. It doesn’t matter whether you are going on a business trip or traveling for pleasure, the crux of your journey will always be good only if you enjoy each and every aspect of your journey. Different aspects of the journey include the air transfer (flight), airport transfer, accommodation and accomplishment to the purpose of your visit. If all the four A’s will be met your journey would be a very fulfilling one. It is in our hands to ensure that we make necessary arrangements to carry out all the aspects of our journey without any trouble.

Generally people are vary careful about selecting the Airlines, they make sure that it provides the necessary things on the flight and has maintained a punctual departure/arrival record.

Same goes for the accommodation as well, most of the people ensure a comfortable and luxurious stay in a reputed five star chain. Undoubtedly, the purpose of the visit is the most important aspect, which is definitely given utmost priority. But, what most of the people tend to ignore is the airport transportation, which is a crucial aspect of the entire journey. Imagine yourself in a situation wherein you have just arrived to your destination after a long and tiring flight. Although the services of the Airline were commendable but the long journey has taken a toll on you, you are tired and just want to be comfortably ported to your hotel room. This is where the service of the airport transport company comes handy. If you have booked for an airport transfer than all you have to do is look for a board with your name, follow the escort to the car and simply sink in the back seat of a chauffer driven Limo.

While traveling to Texas you can ensure a safe and hassle free airport transfer by booking for the Huston Airport Transportation services in advance. You can spend your valuable time and energies for doing better things rather than worrying for the transportation issues. Just book a Houston Airport Limousine Service and relax in the comfort and luxury of a chauffer driven Limousine. There are numerous airport transfer services available from Huston Airport that can provide you with all the necessary means for a comfortable and luxurious ride to the pick-up/drop-off locations.

Besides beings extremely convenient, these airport rides are also add that extra touch of glamour to your statement for arriving in style. There are numerous companies offering Houston airport limousine service but in order to select the appropriate services, one must do a little research on the tariff plans and the facilities of different service providers. Airport Trans is a premium airport transport company that offers luxurious and affordable Houston airport transportation services. So all you need to do is dial their number and relax, all your airport transfer worries would be taken care of.

Krishna Cardiac Heart Hospital best Cardiac surgery

Hectic Hearts creates a panic over the life of stress filled people in India. The major cause of deaths in both men and women in India is due to cardiovascular disease resulting out of some risk factors like smoking, high blood pressure, diabetes, irregular eating habits, high cholesterol and obesity. People in India have got adapted to hectic life schedules, where they find no time to think about their health. They tend to ignore the most important aspect of staying healthy like taking a healthy diet, avoiding stress, exercising and maintaining a slim personality to avoid cardiac arrests and other health related problems.

Cardiovascular disease relates to heart problems, blood vessels and atherosclerosis which are very dreadful for one’s life if not taken seriously at the initial stage itself. People should realize that a wisely and healthy treatment for cardiovascular disease can prevent them from many harmful risks like heart attacks and other major heart related problems. One of the most critical consequences of heart disease can be a sudden cardiac arrest which can show some symptomatic effects like chest pain, problem in breathing, jaw pain, heart palpitations, back pain, nausea and sweating.

Earlier heart attack was very common with age old people, women and diabetic patients but with vast change in life styles of people at work and home, even youngsters are experiencing heart related diseases. Let us be wise in taking a healthy decision to stay strong and have a happy heart rhythming to our life tunes. If you are experiencing any health related problems to your heart, just trust on Krishna Cardiac Care Centre, your life partner for staying healthy and having a happy heart.

Krishna Cardiac Centre (KCC) is one of major centre for diagnosis and treatment of cardiovascular disease in India, located at Mumbai headed by a leading cardiologist Dr. Ashok Punjabi as the Medical Director. With a passion to serve the humanity, it offers very highly comprehensive and scientific cardiac-services to the people suffering from the cardiac diseases. KCC always strives to give intensive care to its patients with its comprehensive way of diagnosing and medication. At KCC, the procedures followed are scientifically proven methods and very affordable for the patients when compared to other cardiac centers. The medical professionals are reputed doctors and medicos who try to detect heart disease with variety of tests, the common one being the electrocardiogram and other one being echocardiography. Apart from this test, Computerized Tomography (CT) scans and Coronary angiography via cardiac catheterization are also used to detect the heart diseases.

Every individual responds to different kind of therapy, and so are the cardiac disease treatments different for everyone. For some patients, only medications is enough where as for some, besides medication, some scientific procedures may also be required in the treatment for fast recovery. KCC has modern equipments and exclusive therapies for patients to recover fast from heart disease. It has specialized EECP treatments for cardiac problems. With more and more sophisticated technology and latest improvements in pharmacologic and revascularization therapies, KCC is well equipped with the extensive EECP machines a best way for cardiac therapy.

In most cases, heart diseases are curable and reversible. If one can maintain a healthy diet, avoid drinking alcohol, quit smoking, do exercises, control levels of BP & diabetics and bring a small change in life styles, it can surely prevent them from heart diseases. But if you seriously feel you have some heart related problems then just switch to KCC for immediate recovery and healthy heart status.

Comparing Online Travel Services To Your Local Travel Agent

Sites such as Expedia, Orbitz, and Travelocity claim to offer the best price – sometimes even guaranteed. They may even claim to offer the best rates on a luxury world cruise, a trip that travel wholesalers publicly prefer to be sold by agents. The emergence of online travel sites have put many agencies out of business, and claim to have conquered the consumer base by offering quality product at a lower cost. When you call your local travel agency and ask for a price quote on an air and hotel luxury travel vacation package, most consumers will check against one of the more popular travel websites to see what prices better. True, two thirds of the time, you will find that the Internet will beat the travel agent price by about $150. The travel website will assure you that it is the same package. The resorts and hotels are aware that you are going to be in the most unfavorable rooms, in fact, that is why they sold them to the Internet travel site at a discounted rate in the first place.

Travel service sites proudly proclaim that they are able to further save customers money by selling large volumes of travel and collecting a smaller fee. Orbitz and Travelocity do have a large volume of travel reservations made, but what little they make in commission they make back in changed or canceled reservations. Most travel agencies offer a travel insurance that covers you and your travel companions if you should have to cancel for a medical or personal emergency.

American Express Travel offers a cancel for any reason insurance that even covers your airline tickets. These Internet booking engines are now beginning to offer “insurance,” but it rarely covers cancellations in full. Your local travel agent is there to offer the customer care you need back at home while you’re traveling abroad. When it comes to planning luxury travel vacation, you are truly better off using a travel agent. If you don’t like your room, your travel agent can have it fixed in a matter of moments. Travel agents are not focused on quantity, but quality. So travel safe, not sorry, and call a travel agent to hear more benefits that each agency offers their clients

Career Employment Online – Find Professional Work at Home and Get Paid

Plenty of research goes into finding the best career employment online. Below is a list of professional working companies who are looking to hire now and you can work from home if this is something you are looking to do. Great paying jobs and you can get started right now once you apply. You will not have to pay a fee.

Sun Oasis

Many writing assignments to keep you busy. You can make some great money. Weekly newspapers, educational publishing companies, copy writing groups, and business web site building. This company is also looking for proof readers.

Solo Gig

Anything and everything when it comes to consulting work. Experience professionals are needed in IT, accounting, healthcare, sales and marketing, technical writers, account executive, etc. Some of the jobs here are paying $350.00 Per hour. Make sure you check out Solo Gig.

Writer Find

This is a site that is updated always with all the latest jobs pertaining to writing. You will also find a mailing list you can sign up with. The competition is fierce here so make sure you are one of the first to know about any new assignments. Make sure you sign up. This is a great site to be a part of. Look for Writer Find Freelance Jobs

Auto Club Renewals

Renewal specialist positions are available. You will call existing members of a fortune 500 company. You must have a friendly energetic voice, strong sales, and inbound and outbound calling experience. Hours are 3:00PM – 9:00PM Monday through Friday and working every other Saturday. They are still hiring. Go to the site for more information.

Call Desk

They are hiring in the state of Oregon. You will become an employee and not a independent contractor. You must have experience in customer service. They are looking forward to receiving your cover letter and resume. Look up Call Desk Agents.

Content Current

Contract writers are needed for article writing, forum posting and custom writing tasks. You can get paid every week and you can pick your own writing tasks from thousands of offers. If you are a good writer, you will be paid nicely. You can pick the hours you want too. Make sure your register to become a writer.

Alpine Access

This company is hiring home based agents. The goal of this company is to to provide world class customer service to their clients. You will work from the comfort of your home as a employee not a contractor. The Alpine advantage. Become a part of it. Hiring English speaking, Spanish, Cantonese and Mandarin customer service reps. They are hiring now.

Skinny Strategies For Success on How to Build a Healthy Family

There are countless quick-fix solutions out there, none of these are particularly healthy and almost all of these options entail deprivation! That is exactly the reason so many of us who are trying to slim down struggle with fluctuating weight levels, often for the better part of our lives. Doing what we’ve always done, gives us what we’ve always gotten. So why do we all keep making the same mistakes over and over again? The answer is simple, the changes imposed upon our eating and lifestyle habits are simply not sustainable. Therein lays the golden rule to success to build a healthy family, because any steps we take to improve our eating and lifestyle habits must be attainable in order to make them sustainable.

1. You can start by considering your attitude towards food. Can you remember when you first began to struggle with your weight? Identify what factors have contributed to your poor eating habits, and what steps you have taken to address your weight issues. These are very important matters to consider, and these should be addressed at the start of any weight loss program. The reason for this is that it helps you to develop a better understanding of your eating habits, and you can identify your weaknesses, your potential pitfalls and the type of relationship you have with food. It is hard to cope with these temptations without the enlightened knowledge of where your problems originate.

2. Step two is to step up your exercise routine, especially during the high risk periods. No one really feels like exercising during the holidays or festive seasons, but there are ways to keep some kind of exercise routine going during these times. And if you are just bored with exercising, you are less likely to keep it up at all, so make it interesting for you and your family. Start by introducing new activities, like brisk fun walks or jogs along the beach, take an early morning swim or have a few tennis games with friends or family. This way every one can participate and enjoy the fun, and you get a healthy family.

3. Get yourself organized by having a plan of action. You would not tackle an important work project without a plan of action would you? So why treat your weight and your families health any differently? If snack tables are your weakness, then eat a healthy meal before hand and avoid the snack area completely. Too much alcohol is also very bad for you for several reasons, it ups your calories and carries the additional risk of reducing your will power when you need it most. And what’s more, binge drinkers are twice as likely to develop STD’s, so I assume food is sure to lose the battle too. Manage you problem foods by banishing them from your pantry, and only limit them to special occasions, but even better yet, rather try and find low fat alternatives instead.

4. A very important point that we should all remember, no matter what is to not skip meals. You run the risk of over-indulging later on. We have heard this countless times, and we all agree by now that breakfast is the most important meal of the day, but do you know that skipping breakfast causes you to consume more during the day? This holds true for young and old, so the whole family should start the day with a healthy breakfast, then we are well on our way to build a healthy happy family. Start your day the right way with a healthy breakfast, and follow it through with your regular meals and snacks.

5. Identify your food personality, and that of your family as well. Comfort eating is a case in point. Mindless eating is another trait that steadily leads to weight gain, as does impulse eating. For example seeing a snack in the store, and then purchasing it for immediate consumption without even thinking about it, especially for the children in the family. Identify your personality and put definite steps in place to help you make smart choices to action weaknesses before they get the upper hand.

6. Keep a food journal. By writing down everything you eat and drink, you will be amazed at how much goes into your mouth. Putting this in black and white somehow makes it more real. People who keep a food journal are more likely to control the amount of food and what they eat. Then make water your drink of choice, after all it is free and also helps with weight loss.

Food is a gift. Meals celebrate occasions. By allowing food to dominate our existence leads to unhealthy weight gain and unhappiness and an unhealthy family.

Then with every small success, whether it be you or a family member, celebrate your success. Weight loss is a journey that takes time, structure and commitment. By celebrating your milestones along the way, you acknowledge your hard work and this motivates you to keep going and build a healthy happy family.

Accelerate Business Growth with Application Management Services

In the corporate world IT has always been a critical business enabler. Most of the advancements in technology are due to the finesse with which this particular department operates. Today IT infrastructure is critical to business because it helps in seamless integration with customer network and makes information readily available for business leaders to take strategic and informed business decisions.

Today the role of IT has become more challenging and important – companies depend on it to meet strict international standards/requirements such as USA PATRIOT and Sarbanes-Oxley acts. IT capabilities of a company are crucial in integrating and performing repetitive data management processes. This is where Client Application Management Services pitch in by offering services pertaining to managing and maintaining the end user application environment, one of the costliest activities within IT Infrastructure management.

By outsourcing non-core functions, companies can better focus on core business competencies; simultaneously, lowering the total cost of ownership as well. In this article, let’s understand some of the client application management services available in the market.

Application Packaging – This service ideally includes definition of packaging standards, package complexity, categorization, development of packaging standards, package creation, testing and, package conflict detection and resolution.

Software Distribution – This service usually covers activities such as automated software distribution, deployment process, customization and coordination, distribution to software repositories & workstation clients, pilot testing and implementation of rollback plan.

Image Management – Starting from establishing common operating environment, through image creation/testing, image release, and maintenance for new platform, security patches, driver updates etc., image management services ensures standardization and accuracy in all phases.

Patch Management – This service comprises of all the activities starting from assessing threats and vulnerabilities, discovering new updates, obtaining, testing and deploying all the required patches on time.

Usually, companies offering Application Management Service may also be catering to messaging and collaboration services, asset management, IT infrastructure management etc. The advantage of using these services lies in the fact that they are all cloud-enabled and delivered using business ready platform for enterprise tools.

Companies can now expect to achieve new industry benchmarks aligned to business outcome in less time. An experienced Application Management Service provider can ensure excellence in delivery quality and continuous improvement in the management and optimization of your applications. Such services use innovative tools that help in adopting new technologies for improved end user productivity. Above all companies can expect to enjoy competitive differentiation that will accelerate the ROI curve in no-time.

Sonography Websites and Blogs

There are numerous great sonography Websites and blogs for professionals in this field who want to stay on top of the latest news and information for their careers. You could easily compile a list of 50 sonography Websites and blogs, and they would all be very useful. These five Websites and five blogs are a great place to start, though. They all have plenty of visitors, lots of recently updated information and credibility in the industry.

Websites

1. Aunt Minnie: This Website, found online at AuntMinnie.com, is an excellent forum for industry professionals such as business managers, members of organized medicine, radiologists and technologists. If you want to meet others in the profession to network and collaborate with, this is a great site for you.

2. Diagnostic Imaging: Go to DiagnosticImaging.com to find out about the latest developments across all segments of the field of diagnostic radiology.

3. Health Imaging: This site, HealthImaging.com, boasts “Images, information and knowledge across the enterprise.”

4. Image Radiology Magazine: RT-Image.com is “the source for radiology professionals,” with everything from job listings to CEO directories to data sheets to informative articles and much, much more.

5. Learning Radiology: This is a great resource if you are a student or new to the field. Regular features at Learningradiology.com include a case of the week, an image DDX, quizzes and more.

Blogs

1. American Journal of Neuroradiology: Find everything neuroradiology-related at this blog site, including editorials, cases, book reviews and more.

2. Americans for Responsible Imaging: The ARI blog site features doctors and patients from the world of medical imaging who are focused on preserving the healthcare system in the United States.

3.Free Ultrasound Machine Reviews and Tips: If you are looking for evaluations of diagnostic ultrasound equipment with details about 3D and 4D ultrasound techniques, image quality and user friendliness, visit GPS Medical President Brian Gill’s blog.

4. Imaging Informatics News: Everything related to medical imaging informatics is discussed in this blog, including news on CAD, PACS, RIS, image acquisition, processing enhancement and more.

5. Sonography News: All the diagnostic medical ultrasound imaging news that you need to know now is right here in this blog.

Find best sonography schools or sonography college programs on SonographySchoolsU.com and start your path to a rewarding career. SonographySchoolsU.com is an online education resource offering information about top sonography schools/ Ultrasound Technician Schools that offers best sonography programs in various disciplines.

Activity Internet Marketing Report, Internet Marketing Information

INTERNET MARKETING INFORMATION

NETWORKING

SCAMS, FRAUDS

FAKE E CARDS

HOLIDAY RENTALS

DROP SHIP

One of the first things you should do is check the government regulations that effect Internet marketing. Two of the main regulation deals with e mails. You can only send out your offer to persons who have contacted you about your offer or (a one time only) persons who have contact you with their offer.

You are required to enclose in all your e mails, your e mail address, your business address and phone. If you will be using a autoresponder you are required to have a unsubscribe link, so persons who may have contacted to receive your offers, newsletter, etc. can click on and have their name removed from your list.

It is also very important to remember if you join a MLM as a affiliate the firm you are marketing for meet the regulations, as you too could be charged if they make outrages claims about their product, how much money can be made etc.

The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S.

and abroad.

Get your own website, avoid the free ones offered by MLM’s. Don’t be restricted to one firm’s product with a free website.

With a free web site you would have no chance of being listed on the search engines, as there would be hundreds of web sites with the same offers. All you are doing is working for free, paying for advertisements for someone else’s products. If there was some product you wanted to sell from a MLM firm, you can join as a reseller and place just the product you want to handle on your website.

NETWORKING

You didn’t learn it at school, or at the office.

Would you believe your mother?

Networking is more then shaking hands, and giving out business cards. Forget about the endless networking skills you may have learned at the office. We just have to put the few lessons mother taught us into practice. As a kid we were always in a hurry to find something better. Our mothers taught us patience.

If your in a hurry you miss the value that can be built taking time with building relations in networking. Establishing a relationship by taking time, gives you a solid framework in networking building.

Your mother worked hard as an example. This is one of the better examples in networking she gave you. That’s why it is called networking, not sit work. For networking to be successful you have to work hard and put out the effort.

Remember her telling you to share your things with others? Some of our best resources are time, money, and information we are willing to give to the relationship. They appreciate us when we are willing to give to the relationship.

She always made you clean up after yourself. In networking, follow-up is required. Whether it’s a promise to meet someone, or just a thank you is one of the most important lessons of networking. These life lessons we learned from mother during childhood are a solid basis’s for strong networking skills.
Thank you mother for all your help.

The biggest time spend in selling, more so in mail order or on the Internet is developing a relationship with your customer and building trust. If you did a good job in the first two, closing a sale will take the smallest of your time spend with your customer.

SCAMS, FRAUDS

Fake e cards.
You get a message with a link to an online greeting card but, when you click it, you end up with a virus on your PC. A couple of simple rules here. Delete any messages that come from someone you don’t know or that don’t address you by name. If they come from someone you know, email that person to check that they sent it before clicking on.

HOLIDAY RENTALS

2009 has seen a surge in ads offering bogus vacation rentals. You pay a deposit or even in full to get a key and that’s the last you hear of them. Scammers are experts at creating phoney look-alike sites where you land after mistyping an address or by clicking on a link supplied in the e mail or ad. Always type in the URL and don’t just click on the link.

DROP SHIPPERS
You can get products to sell via e bay or/and your website by using the services of a drop shipper. A reliable drop shipper will not ask you for a fee. They will allow you to copy pictures of the products they sell. Prices are about half you would pay for retail.

When writing articles to directories, we are not allowed to list URL’s for places to go for free information, such as drop shippers, ebay, and other places. If your interested you can go to our website and in our archives there is over 2 years of free Internet information listing with URL’s. My website is listed in the article source at the bottom of this article.

If you have a website they will allow you to move any listing on their site to yours. You set your price on the product/s you transfer. When an order comes in place the order they will ship it out for you under your shipping label and not include any of their material.

A good way to promote is join as an affiliate, transfer a couple specials onto your site, with a link back to your affiliate page. The cost of setting up a web site is minimum. Check out my website archive for drop ship firms. Transfer a couple specials onto your site, with a link back to your affiliate page. The cost of setting up a web site is minimum. Check out my website archive for drop ship firms.

Disclaimer:
The Author of this article is not responsible for accuracy or completeness nor shall he be held liable for any damage or loss arising out of or in any way related to the information or utilization of it.

How To Raise Real Estate Investment Capital

Why Your Rich Uncle Won’t Invest with YOU!

Have you ever had a rich friend, uncle, or neighbor that will not open up their wallet to do business with you? There may be many reasons they refuse to do business with you. Let’s look at three common reasons and what you can do to get their attention:

1. Friends and family do not want money to get in the way of relationships. Disagreements over money have caused many rich families to become divided. One way around this is to create a company and make them a partner. Show them how investing in our company is no different from investing in a company in the stock market (except you both have more control). Set clear expectations of what each of you will provide to the company. If you’re smart, you’ll show them all the things you will do and all they have to do is write a check and examine the monthly/quarterly reports you send them. Your friends and family might also be more comfortable if you have other investors as well. There are many ways you can ease their fears and finding what those fears are is a good first step.

2. They don’t understand the investment. There is an old saying, “A confused mind says no”. Just because someone has accumulated some wealth does not mean they understand real estate investing. Here’s where you have to be very clear on what you do. You can’t overwhelm your investors with the blow by blow details. They need to know what you will do with their money, how they are protected, what their return will be and when they will receive payment. That is not to say you should hide any pertinent details, however they don’t care that you will be painting the rooms off-white.

3. You lack credibility. Let’s face it, unless you have a huge investment portfolio you are still somewhat unproven. And for that matter, friends and family have known us at our worst (they remember we got a D on a test back in the third grade). This is where your board of advisors and partners become extremely important. While Aunt Susie might be willing to loan you a couple hundred dollars, she wants to know her $100K is going to come back to her. If you have done some deals, make sure to highlight them in written format. Additionally, correctly chosen business partners or advisors with experience can also increase your credibility. To help with your personal credibility put together a professional looking credibility kit. To help with the credibility of the deal, put together all the numbers, pictures and a summary of the investment in a professional manner. (Personally I did not invest with a known “guru” because the presentation wasn’t done professionally). The details in the presentations matter.

Not all of your friends, family or neighbors with money will do business with you. If you want to increase your success rate then make sure you are sending out a clear, concise, and professional message. After you’ve done a few successful investments, they’ll be asking you to get involved.

Real Estate Equity – Investment Capital, Debt Consolidation or a Retirement Nest Egg?

There is a significant interrelationship between personal investment planning, credit purchasing and real estate ownership. On the face of it that may seem obvious, but the complexity of the interrelationship bears some scrutiny.

During the last quarter of the 20th century there was an amazing proliferation of the use of credit card purchasing. Credit card purchasing continues to gain use as a means for medium term financing for larger household needs, as well as, a means to spread over time individual fluctuations of income and other changes in the economy. Unfortunately, many Americans caught up in the economic prosperity of the several past decades have used credit cards to amass debt beyond or challenging their ability to repay.

It has been over two decades since Congress removed from the federal income tax code the ability to deduct interest payments on most credit/debt instruments “except” home mortgages. This Congressional enactment immediately catapulted the home mortgage market to the forefront. Suddenly, 2nd home mortgages and complete home refinancing became an attractive tax-incentivized debt consolidation tool. Of course, the financial sense of using a home mortgage for debt consolidation depends on several key factors. Among them is the rate of interest in the home mortgage marketplace, personal circumstances and a willingness to trade short-term debt for long-term debt on the prospect of real estate appreciation.

There continues to be substantial debate regarding the financial sense of maintaining equity in a home. In the simplest terms the two sides of the issue are:

Equity in a home can be put to better use. Essentially this means home equity that could be turned into cash should be invested in financial instruments that will outpace appreciation in the value of the home. This assumes that home equity cash can be put to more effective financial use. Second home or investment property purchases, tuition for education and high interest credit card debt are the more common uses of cash out refinancing or second mortgage financing and can all be considered a more effective application of equity depending upon circumstances.

* Conversely, as the home loan is paid down and home value appreciation develops the equity that builds eventually becomes a retirement nest egg. A debt free home is can represent utopia for those entering their retirement years.

As the debate goes on, the truth of the matter is that the best approach depends on factors such as economic climate, personal timing, property value appreciation and personal investment discipline.

Then there are the tax issues that play into nearly all financial decisions. As previously noted, home mortgages and second mortgages are tax deductible. This factor can be a significant decision point. The interest paid to the lender, as part of a mortgage payment, is deductible from federal and most state income taxes. Lenders provide notification of the amount of interest paid on a home mortgage during the tax year, and that amount may be itemized as a “qualified residence interest” deduction on federal, state and local income tax returns. The interest deduction is applicable to debt assumed for home ownership up to $ 1 million. The deduction applies to first and second mortgages, as well as, other debt instruments used to finance a primary residence.

Debt that is assumed for any purpose, but financed through a home loan, is also deductible so long as the amount of indebtedness does not exceed the lesser of $100,000 or the fair market value of the home.

Refinancing an existing mortgage to release equity without the additional benefit of an interest rate reduction may not be the most frugal approach. As with any mortgage there are specific closing costs associated with the transaction that is mostly based upon the amount of the loan. Conversely, a second mortgage for the purpose of extracting equity would normally create a much smaller loan and consequently lower closing cost.

When considering a second mortgage there are two distinct structures that normally come into play. The “Home Equity Line of Credit” generally offers a low interest initial interest rate and only requires the payment of the accumulated interest each month. The advantage of this structure is that it is a line of credit with a limit and the consumer only pays interest on the amount actually used. The risk factor is that it is a floating interest rate adjusted to a particular financial index such as “prime” or “cost of funds”. The option less adventurous borrowers elect is the standard fixed rate second mortgage amortized over 15, 20, or 30 years.

Regardless of the structure of the loan current lending criteria will likely restrict the amount of the mortgage to 80% “combined” loan to value (CLTV). This means that the maximum amount borrowed including the existing first mortgage cannot exceed 80% of the value of the property as determined by the lender’s evaluation.

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