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|Have you been spending a fortune improving your home? Then it is about time to count your money in terms of the home equity line of credit.
You re Sitting on a Fortune!
You might not have the cash to show it but your home can get you the cash you need for the college tuition of your child or to pay off a huge medical bill. If you haven t the faintest notion where to borrow money start checking out mortgage lenders willing to give you a home equity line of credit. There won t be a problem if there s no bad mortgage precariously dangling over your head or a bad credit record smirching your credit reputation.
With the right documentation Justin Evans Black Jersey , a good credit record, and a house outfitted with the latest in home decorating and improvements, you have every right to demand lower rates from the local lender. Lenders will have your house valuated against the going market rates to determine if you are indeed eligible for a home equity line of credit. With everything going right for you, you get the best deal for this type of credit and you get the money you need immediately.
Don t lose hope now if you have no money just when you need it. Your beautiful house will be your best friend in time of need. A word of caution though O. J. Howard Black Jersey , don t get carried away by the huge amount you can borrow, but settle for a number you can afford to pay monthly on a long term mortgage granting that your income does not dip over the years. You have the option too to pay the loan weekly or monthly, whatever suits your convenience and your pocket. This flexibility gives you control over your loan.
Generally lenders offer 80 of the value of your home. If your home is currently valued a million dollars, imagine the amount you can borrow! If you are getting a another mortgage loan or a refinance Carlton Davis Black Jersey , using the home equity line of credit, whatever balances you still will be deducted from the cash you receive but the deducted amount is used to pay off the old loan.
Never Want for a Loan
If you don t miss a payment over the years, you reduce your loan balance and increase the available credit. When the draw time is near, you immediately get another loan. If you the draw period is over M.J. Stewart Black Jersey , you cannot get another loan. That is how the home equity line of credit works. You can use the new loan for a car purchase, a vacation, or take advantage of investment opportunities that come your way.
If you have bad credit owing to some unforeseen emergencies but the value of the homes in your area have increased and you have done a lot of improvements in your home, you can still get loan of this type from reputable local mortgage lenders and enjoy the same advantages given to borrowers with good credit standing.
However Ronald Jones II Black Jersey , you have to make do with the higher interest rate but then in the long run, you can clean your credit record with timely payments over the years and eventually increase the amount you can borrow against your home s equity. Check the home equity line of credit rates of local lenders and solve your money problems fast.
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The Chinese online video market earned 1,19 billion yuan ($182 million) through membership fees on streaming sites during the third quarter of 2015, growing 256 percent over the third quarter of 2014 Vita Vea Black Jersey , according to a report released by Chinese streaming site iQiyi on January 5.
Not only have online dramas like The Lost Tomb contributed greatly to bringing in paid VIP members to streaming sites, online films have also played a part.
More than 500 online films - movies longer than an hour and only released online - were available on streaming sites in China by the end of Q3 2015.
According to iQiyi's Research Report on the Chinese Film Industry 2015, only 259 of the 618 films produced in the Chinese mainland in 2015 were picked up for distribution in theaters. Considering the competitive environment for distribution, investors are less likely to take risks Jordan Whitehead Camo Jersey , preferring instead to support films featuring famous and experienced directors, scriptwriters and actors. This dependency on established names makes it difficult for new faces to succeed in the film industry. Fortunately less-costly online films provide an opportunity for industry freshmen to make their mark.
While budgets for theatrical releases usually reach at least 5 million yuan, online films are often produced for less than 1 million, can be made in 1-3 months and don't need to fight with other films to be scheduled for release in theaters.
Streaming sites earn money through two channels: membership fees and advertising revenue. Sites in turn pay online film studios a percentage of this revenue based on how many views the latter's films receive.
Online films are usually put behind a "members only" pay wall during their first 1-6 months online Alex Cappa Camo Jersey , during which time sites usually pay 2 yuan per view if a film is exclusive to the site or 1.5 yuan for non-exclusives. After this initial period, films are then made free for non-members to view along with paid advertisements.
If one of these films proves popular enough it can easily achieve a much higher return on investment than some theatrical releases.
For example, Daoshi Chushan (Lit: monk leave the mountain), a film with a very similar name to director Chen Kaige's movie Monk Comes Down The Mountain Ali Marpet Camo Jersey , is an online film that was made for only 280,000 yuan, yet earned 7 million yuan online.
According to the report by iQiyi, the main demographic for online films are male android device users between 19-30 years old.
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