Say Hello to the Superfood, Yuca

Welcome to Yuca
Currently there is a global health movement growing. People are more conscious about their health and are seeking alternatives to traditional eating habits. The realization that there are many different superfoods virtually untouched by the average population has created a desire to experiment with and try new exotic foods. Many of these superfoods have been brought over from South America, Asia, and Africa. Indigenous peoples have thrived off the land and sustained massive civilizations with the use of superfoods. One in particular is gaining momentum in North America.
To the right, is the Yuca (Quechua name spoken in Peru) root. This root has many different names depending on where you are geographically: cassava, manioc, manioca, yucca root, casaba, and tapioca. It is currently an essential root vegetable in the Caribbean diet.
Yuca is a perennial plant that is found in tropical climates. In Africa, Asia, and South America, it has been used as a major food source. Indigenous people use it along with other high-starch foods like yams, taro, plantains, and potatoes. While it is still not well known outside of the tropics, it accounts for about 30% of the world production of roots. Recently popular in the Americas is tapioca. Grinding the yuca root into small powder balls forms tapioca balls- enjoyed in boba teas and various drinks.
To clarify some dispute, YUCA and YUCCA are two very different plants. Yuca, is the root while Yucca is a scrub.
Why the sudden interest?
As the world continues to connect more and more, people are able to enjoy the benefits of fruits and vegetables that were once out of reach. Not long ago, if you were not born in the tropics, yuca would have been virtually intangible. But now, people all over the world can reap the benefits.
The general population also has access to endless amounts of new information. So with that comes new opportunities to incorporate in daily life. Previously you would have walked into a grocery store, unable to decipher what this long brown root was. Now with a quick Google search the information is there for you disposal. Recipes for this root are endless. The endless recipes allow you to experiment and diversify your diet.
The Energy it Provides is Incredible!
In Peru, South America we visited a local family. They were simply the most welcoming, humble, and hardworking family I’d ever encountered. In many cultures around the world it is very common for large families to live together. In one home you may have your mother, father, grandparents, great-grandparents, children and grandchildren. It is very common to take in family members and live as one large family unit. What we saw in this family was that everyone was extraordinarily hard working. Even the great-grandparents would pitch in to help around the house. While the activity they partook in was more limited than those of the younger generations, it was incredible to see the how agile and energized these men and women were.
I remember asking one day how they found the energy to work so hard at their age.
With a smile the older lady said, “comer bien.”
That was it, a simple explanation. “Comer bien” translates to “eat well.” These families eat fresh and powerful superfoods everyday. The yuca root is only a supplement to the other superfoods Peruvians have been enjoying for centuries.
How is it that this simple answer: comer bien, could lead to a long-lasting and healthy life.
I thought back to the United States where much of our older generation are forced to reside in Nursing Homes, or never make it to be a great-grandparent. These older generations thrive in Peru and are well respected. Their persistent activity and nutritious diets help them excel in life.
Processed vs Natural
Now comes the inevitable truth that many populations that suffer with obesity hate to admit. You are what you eat. Now what we see with the people in Peru is that most families eat a diet consisting of fresh grains, fruits, and vegetables acquired at the local open-air markets. These families are fueling their bodies with unprocessed, natural ingredients. A meal is made from scratch and all meals are viewed as family events. Everyone eats meals together and eats equally. There is little overindulgence because the quality of food creates a sensation of satisfaction and wholeness. There is no need for a cookie after dinner because there is no dependency on sugar like we find in the U.S. Since the foods are unprocessed, meals lack added sugars and preservatives. Their bodies run like a well-oiled machine- not like one that is driven by cravings. Imagine how powerful your body would feel if you energized it with whole foods- superfoods! Could you imagine how strong you would feel. Not lacking energy, not craving chips or cream puffs. Incorporating superfoods such as yuca into your diet slowly can show you how strong you can feel. It takes one small step that will lead to endless amounts of healthy decisions.
Don’t be afraid to try yuca. Your body will thank you for it!

Evaluating Physician's Services

Have you ever wondered if you were receiving the best health care you could be? Doctors aren’t infallible and their diagnoses aren’t always the final word. It’s important know as much as you can about your health and what options are available to you depending your situation.
Not all doctors are equally qualified. Some have more experience that others. Following are some tips on how to ensure you are receiving the best treatment to stay your healthiest.
Do some research before selecting a physician. Ask about his education and areas of expertise. If you have a specific illness, look for a specialist in that field. It’s OK to ask for a second opinion and seek out the best care. Your good health is worth making the effort.
Don’t worry about hurting your physician’s feelings if you go ahead and get a second opinion. It may help set your mind at ease and know that you’ve done all you can for your health and your future.
You should also feel free to ask to see any test results that you may have received. Ask the doctor questions about the tests and/or his diagnosis until you feel satisfied. You may want to inquire if additional tests would be useful.
It’s important to understand your particular health concerns as well as you can. If you’re not an MD you may not know that much about your diagnosis. So, take the time to learn what you can about it. Think of you and your doctor as partners in your health care journey.
Find a doctor that you are comfortable with and rely on them to help you maintain your good health.
Strive to develop a relationship with them so that you feel comfortable asking questions and exploring your options as they pertain to your health.

How a Home Equity Loan Refinance Can Save You Money – Should You Refinance Your Texas Home Loan?

In Texas you can refinance your home as well as your investment property. And with today’s low mortgage rates, lots of people are doing just that using home equity loans
Plus some are doing the two-birds-one-refinance-approach: Refinance the home and pull cash out.
When it comes to refinancing, you have two options. A “rate and term” refinance or a Texas home equity loan “cash out” refinance.
With a home equity loan you pull equity out of your home or investment property.
Most people refinance to get a lower rate; this is called a “rate and term” refinance. One is keeping the same loan amount, they are just lowering or changing the rate or term of the mortgage.
Maybe they are moving out of a 30 year note to a 15 year note. This is called a rate and term refi because they are just changing the rate or the term of the original loan.
Lower mortgage rates do mean lower payments. But some clients choose a “cash out” refinance (Home Equity loan)- which means they pull equity (cash) out of their homes or investment properties for other purposes …like paying off debt or buying additional property.
For example, let’s say a family has a $450 car payment where they owe $15000. If they have enough equity in their home, it’s common for a family to refinance the home and pull enough cash out of their home to pay off other costly debt; like credit cards, cars, etc. The house payment might go up $50 but the car payment is eliminated. So a family has $400 more each month.
Some suggest against home equity loans to pay off debt stating it’s not wise to take a 3-5 year debt and spread it across 15-30 years. And these people are right. However, when I help a client save $400-500, sometimes $1000/month now these families can afford to pay extra on their 30 year mortgage and pay it off in 12-15 years.
In fact, most of the time a family will pay their home off earlier-after a home equity loan-than they would have before.
You can always call us to see if Texas home equity loan cash out refinance makes sense for you.
Home Equity Rules
Home equity loans have slightly higher rates than traditional rate and term refinances because one is raising the original loan amount. Plus when one pulls cash out of a home or investment property this is a higher risk loan. Higher risk = slightly higher rate.
And in Texas you are limited to 80% of your home’s value. Meaning if your home is worth $200,000, the most your new loan could be is $160,000. If you owe 100K, you could take out 60K or up to 80%
Then there’s the 3% home equity rule: This means the total fees associated can’t exceed 3% of the loan amount. This mostly effects those with smaller home loan balances. For example, if your home is only worth 75,000 and we are limited to 80%-your loan could only be 60K. 3% of 60k is $1800. So if your title company charges $700 for the title policy and your appraiser charges $325 and the bank charges $500 to underwrite your loan it’s not hard to be over 3%. This would mean the mortgage company could only charge $275 to be under the 3% rule.
12 day Home Equity Rule, 3 day wait-until-we-fund rule:
In Texas we have to wait at least 12 days from mortgage application to close. I even have to get a special 12 day letter signed. Then once we close, we then can’t fund the home loan for 3 days. Texas has weird home equity refinance rules so you want to work with an experienced mortgage company who does a lot of these type of loans. If you have additional questions, please call us at 512-996-8194, we help people all over Texas.
For many people home equity refinances can be a great way to jump start a new financial plan. I offer them to my clients to help them: Get out of debt, pay off bills, have more money to save and invest. My clients have saved hundreds each month by paying off high interest credit cards. My personal record is saving a family $1000/month using a home equity loan.
Once they save this money they plan to pay extra on their mortgage so they pay a 30 year note in 15 years. So used correctly, a home equity mortgage is a great way to move forward financially.
After 5 years in the mortgage business I’ve come up with my personal lending philosophy. Because anyone can do a home loan. However, my business is helping move people forward financially-starting on the mortgage level; the biggest expense for a family.
Most of my clients know my personal philosophy with mortgage lending. There are lots of mortgage people out there who promise “the lowest 30 year mortgage rate or the “best Texas 15 year mtg rate”-but this isn’t really my approach. I tend to favor what is best for the client’s short and long term. If one needs a 15 year mortgage with low closing costs, let’s use this program. Need to consolidate debt, let’s use a home equity loan.
I just don’t believe in one-size fits all mortgage plans. As soon as my clients all look the same, have the same income/debt, goals, then I’ll become a one-size fits all mortgage guy. But for now, I work with low income people, millionaires, investors, first time home buyers, second home mortgages, etc.
One’s mortgage can be either a debt instrument or a better financial tool, it’s really up to you and your mortgage professional. And in today’s economy where the realities of $5 gas aren’t really unreasonable you should work with a professional who will take the time to listen and bring the right mortgage plan to the table. Because once a mortgage is in place you must live with it.
Some questions you should ask yourself when buying or refinancing a home or investment property:
1) How much debt do I currently have? How much debt am I currently servicing each month?
2) How much in liquid savings do I currently have? Could I choose a mortgage that will help (a) lower my bills and (b) help me to save more money each month? Rate is important but now the only thing to consider. Who cares if the 15 year mortgage rate is the best rate, if it’s not affordable to you-it’s not the wise loan. Go with the 30 year rate.
3) How long do I plan to keep this home? Is this home appreciating?
4) What is my long term financial plan, and how does this new mortgage help me accomplish this plan?
#4 is where the rubber meets the road. And this is where I spend the most time with my clients; constructing the long term plan and then customizing the mortgage to fit this plan. Most people chase the lowest rate when getting into homes however without a mid-long range goal they usually end up paying more in the long-term.
Take the sub-prime meltdown. There’s nothing wrong with sub-prime loans. Sometimes things happen that cause people’s credit to go in the trash. Divorces do happen and sometimes medical bills come out of no where and people have a lot of collections. Jobs are sometimes lost and savings are use up before they were originally intended. The problem with sub-prime loans is not that they are bad, but that they need to be on Fixed rates. Not adjustable. This country has lost billions of dollars during the sub-prime meltdown for one reason: People chased the lowest rate when they bought the home and ARMs have lower rates than FIXED rates. And since ARMs had lower rates people chose ARMs over Fixed rates.
So thousands of people with bad credit bought homes on ARMs and today we have a major problem: Because people chased the lowest rate.
Having a long term financial plan. Example, let’s say you’re self employed and don’t have a company retirement plan-401k-to rely on. One approach in solving the “no 401K/IRA” problem is to own real estate. The goal is to own a few choice properties so when you do retire you will have these properties paid off and creating passive retirement income. Imagine if your mortgage broker took the time to understand your long-term goals and structured the new loan around these goals. Funny thing, most people are 15-30 years from retirement and the typical home loan is paid off in 15-30 years. Bottom line: The home you buy today could help you retire tomorrow-and you need the right home loan to go along with it.
Remember, most mortgages are based on a 15 or 30 year basis, why not structure your first home to help you retire in 30 years. I know this seems unrealistic because most people don’t keep homes that long, but going into a mortgage with a plan is better than just going into a mortgage.
Most people don’t want to take the time to think about money-but in the end-the lack of money causes a lot of other challenges in life.
This is how I’m different from the other Texas Mortgage Loan people. I believe I can either help people move forward financially or I can just get them into debt. Sure it’s easier to “sell low rates” but not at the expense of helping a client in the long term.
PMI (just so no-or at least try to get out of it.)
My clients avoid PMI when possible. But to do an 80/15 or 80/10 or an 80/10/10 one’s mortgage rate is slightly higher but the benefit is avoid pointless PMI and having lower closing costs. This is another example of why “chasing the lowest rate” isn’t always the best. Loans with PMI are better than loans without. But the benefit of not have PMI is huge. Not only will you pay less when your home loan doesn’t have PMI but your closing costs are less too.
Right now I want to touch briefly on these 3 issues and why one should be thinking of them when you buy or refinance a home. Actually, your mortgage person should customize your loan around these three points for you. If they don’t-run. If all they sell is a mortgage rate did they really serve you?
Mortgage brokers and banks love to advertise low mortgage rates. “We have the lowest rates in Texas!” But let’s think about the loan like this: “How much did it cost you to get this rate.” Because low mtg rates are one thing, but how much did it cost to get the rate?
Let’s look at one of Today’s Mortgage ads. (April 17) They are advertising a 4.87% rate.
Funny. The real 30 year rate is around 6% but they know people want “low rates” so they advertise a great rate. But when you look at the points it will take to get this rate, you’ll see there’s more to getting a mortgage than just rate. Closing costs.
For example, if you’re buying a $200K home should you really “buy the rate down” with points to get a good rate? To buy this low, low rate, it will cost $6,000 just for discount points. And yet people do this all the time. Mortgage people advertise low rate because people want low rates.
Sorta reminds me of when I bought my Toyota Tundra. I wanted to save a nickel so I went for the 2×4 instead of the 4×4 all-wheel drive. I was so proud of getting the “lowest price in town” but when it snowed or iced I had to ask my wife to drive her front-wheeled drive Honda Accord.
This is one reason why I suggest working with a mortgage broker (like me) who approaches mortgage lending from a total financial planning perspective. Because if I notice a client has a ton of credit cards and misc. debt-this 6K should not go towards a new (tax deductible) debt but towards paying off old, high interest debt that’s not tax-deductible.
Or to use real numbers, if you have the $6000 to pay towards debt, retire 15% interest debt that’s costing you $500/month instead of trying to save $200 on your mortgage. Then pay $100 extra and you’re still saving $300. Use this $300 for savings, investing or having fun.
But what about all the interest I’ll save by having a low rate? Shouldn’t I try to get the best rate so I can have lower monthly bills? Yes. Once you’re out of consumer debt-and you no longer have to pay $500 out, begin to apply $100-$200 extra on your mortgage payment. This will take years off your mortgage, usually taking a 30 year mortgage to a 12-15 year. This will save you tons in interest and give you lower payments.
When you buy or refinance any property take the time to look at the bigger picture because a mortgage or refinance can either help move you forward financially or just get you into debt.

Who Need Hotels When There Are Apartments for Rent?

The main problem of preparation for Euro-2012 is the complete lack of hotels to accommodate visiting soccer fans. Authorities promise to provide potential investors to build new hotels with all necessary facilities but seem that nobody wants to invest money in Kiev’s estate. And indeed – there are too much bureaucracy in real estate sphere. Ukraine relies on foreign investors but they are faced with serious difficulties. “The man who wants to build a hotel must gather 250 signatures in different instances. Land acquisition takes about 200 days and 300 days spent for the design. At least a year takes the construction itself. All this is very difficult for foreigners ” – said President of the Small hotels and apartments association Dmytro Zaruba.
Realizing this situation and not being able to finance the construction of hotels, the state went the other way – and pays attention to private traders dealing daily rent apartment Kiev. In the project “Gostynna Oselya 2012” (“Friendly Housing 2012”) Government negotiates with the agencies and agents that providerent apartment services on an ongoing basis. This project not only offers accommodation to foreign guests, but also a full range of services, including transport, food and hotel service. Now organizers negotiating with the Polish side so there is possibility that the project will become international. For now only there are about 5000 daily rent apartment beginning from studios on the outskirts to luxury suites in the heart of the city. Authorities considers the creation of database in which will be all rent apartment Kiev of the appropriate level of accommodation.
Approximately 80% of fans are looking for cheap accommodation and hotels in Kiev, mostly level 5 *, besides Kiev takes 35 place in the world’s most expensive hotel services. And in the sphere of daily rent apartment Kiev guests will be pleasantly surprised – unlike in Europe, Ukraine, the cost of apartment Kiev in two and even three times less than the price for a hotel room. UEFA Commission, inspecting the readiness of Ukraine to Euro 2012, visited Ukraine in June of this year.
So in 2012 we should expect serious recovery in the market of daily rent apartment Kiev cause practical and enterprising Europeans and Americans will not miss the opportunity to save their money.

Payday Loans

Paysaver Payday Loans makes Internet Lending “Easy”
Paysaver Payday Loans offers payday loan, cash advance loans and fast cash services for whatever you need.
At PaySaver Payday Loans we promote honesty and integrity and we were proud to have been named as “The Australian Payday Loans Specialists” by our peers. We were given this title because we were one of the first to perfect the payday loans business in Australia.
We recognised the need for people to have a safe, secure, simple & fast way of obtaining payday loans of small amounts of money without the hassles, delays and costs associated with formal bank applications.
We then developed a unique system of lending exclusively via the Internet and Fax which has proven to be the most cost effective, efficient and fastest way of obtaining payday loans to date.
Our slogan is “Your personal ATM on the net” because you now have the convenience of applying for payday loans from the safety, privacy and comfort of your computer.
Simply send us your payday loans application and 30 minutes later, upon approval, your money is sent directly to your account!
Can Paysaver Payday Loans it get any better than that? – Yes it can!
After your first loan is successfully repaid your payday loans you are promoted to PaySaver Express where your approval time is reduced to only 15 minutes.
PS. We have kept our payday loans prices the same since we started trading back in early 2004 and that is why we have the lowest payday loan fees in Australia!
Paysaver Payday Loans gets you the funds you need ASAP. Why wait for your cash advance when you can get it overnight? Our loans are 100% safe, fast and completely online – so think of us for your payday loan fast cash needs.
It keeps getting better! We’ve made it incredibly easy to qualify for payday loans by offering our industry-leading application process to you at no additional expense to you.
There are no credit bureau reports on your payday loans, never an application fee, and of course, no credit checks. If you are at least 18 years of age, receive a regular source of income, and have direct deposit enabled on your bank account, you’re practically approved for Paysaver Payday Loans – don’t wait any longer apply for payday loans as you can apply for these unsecured payday loans today!
We specialize in providing overnight payday loans for individuals who are in need. We strive to bring people of all types pay day loans that are reasonably priced, quickly deposited, and managed by a professional lending team – why settle for less when you get an advance on your payday loans today!
Need short term payday loans cash advance to take care of that emergency, that unforeseen bill or just to reward yourself? Paysaver Payday Loans is a fast and secure way to get payday loans from the privacy of your own home!
Applying and qualifying for a payday loans advance loan is quick and easy, and confidential and requires minimal faxing.
Once you’re approved for our payday loans cash advance, we will electronically deposit the money directly into your checking or savings account. We offer flexible payment options and a discrete service that gets you the cash you need right now.
It’s that easy, why not apply and make Paysaver Payday Loans your loyal partner today.
Ever run a little short of cash before your next payday?
It happens to most of us at some stage. A night out with friends, registering your car or maybe just paying a couple of bills? Nothing a few hundred dollar payday loans won’t fix.
However, it can be frustrating if the cash is days away and you need it earlier. whatever the reason a Paysaver Payday loans is always there.
It’s even harder if you’ve had a minor, bad credit mishap, are too busy to get away from work or don’t want to commit to paying off a large, long term loan or credit card then try a Paysaver Payday Loans.
Paysaver Payday Loans has helped thousands of Australians in your situation with a convenient, clear and secure alternative. Quick turnaround times mean that you can be paid in as little as 20 minutes.

Kidney Transplant – Patient Assessment Factors

When kidneys stop working effectively, you either have an option of a dialysis or a kidney transplant. Dialysis ensures that you get rid of the waste products from your body but it does not replace all the functions of the kidneys. When you are diagnosed with failing kidneys, treatment can sometimes prevent or at least delay their complete failure.
However, with a transplant, your body can continuously remove the waste products of metabolism, and excess fluid. Kidneys also help in the production of a natural hormone called erythropoietin that prevents anemia. It also helps convert the vitamin D in food into an active compound that helps keep bones healthy. Moreover, it helps excretion of some toxic drugs. Finally, it plays an important role in helping control blood pressure.
Kidneys normally undertake all these functions. It is a known fact that kidney transplant provides patients with a better quality of life than dialysis.
Assessment for kidney transplant
There are a few very important factors to be checked before you undergo kidney transplant surgery. To begin with, you will be referred to transplant only when you are nearing or have started dialysis.

  • There is no dependency on age factor or ethnic background when it comes to assessment for a transplant. It all depends on whether you are fit enough to have the operation and deal with all the after effects of the surgery.
  • Some of the factors checked are evidence of heart disease, chest conditions and other problems. Special investigations are conducted to assess whether these risk factors are too great for transplant.
  • Next there will be a thorough discussion between the specialists such as the surgeons, nephrologist, cardiologist and the physician before the decision is finalized.
  • Once you are considered fit enough for a transplant, the specialists will explain all the risks and benefits to you.
  • Many times there is a waiting list for a transplant.
  • There will be a number of tests conducted to check whether you have had certain virus infections.
  • Well, the specialists will also ask you whether you have any close friends or family who are willing to be live donors.
  • Live donor transplants are known to give the kidneys a better chance of long term survival as compared to diseased donor transplants.

Whether you receive a particular donor kidney or not is determined initially by the blood group. It is pretty difficult to get two people to be perfectly alike, because the genes are different. It is however possible to achieve a good enough match for a successful transplant. The surgery takes around three hours and appropriate care needs to be taken post operation too. 

Girl With a Dragon Tattoo Fashion Style

Lisbeth Salander is many things. A feminist heroine, a survivor that took the world by storm. The hugely successful ‘Trilogy’ by Stieg Larsson, wrapped a sinister web of tales around this fascinatingly strong and unforgettable character. She certainly is unforgettable. It’s not surprising that the adaptation of the movie made such an impact on pop culture. Her character epitomizes speed and a strong will, together with keen survival instincts. Her unmistakable air of mystery, combined with a hard exterior and a soft, gentle soul, creates such a complex persona. So it was amazing to see how the Hollywood version of our heroine, translated from the page. With Rooney Mara as the dark haired, pale skinned and skinny Lisbeth, they successfully transformed a perfect, sun-kissed girl-next-door, into this unforgettable gothic being.
Her black leather-clad figure makes us want to reach out for our leather, biker jacket, teamed with faux leather leggings. Her bleached brows and high fringe, might not be what we aspire to, but the soft drapery of the white tee shirt and charcoal sweatshirt, and other Alexander Wang inspired outfits, are certainly the classics we like.
The spring and summer 2012 collection from Ann Demeulemeester is a strong reminder of the movie. As reviewed by Vogue, the collections ask us to “Imagine the outfits Lisbeth Salander would splurge on when she suddenly felt inclined by her financial chicanery toward high fashion. Demeulemeester’s new designs had Salander’s ‘kick-ass’, high-performance quality. There was a pointy sharpness to the layered garments on leather jackets that suggested warrior action, as did the stiffened sculptured, leather neckpieces. The sleek, linear quality of suits made of bias-cuts, funnel-necked jackets and pencil skirts, provided a fierce new silhouette for the designer.”
We can plainly see that Lisbeth is becoming a major influence on the fashion credits front. It is surprising to see just how wearable her wardrobe is, for it can easily translate into our day-to-day busy life. In David Finchley’s stylish adaptation, she confidently rides her motorcycle through an ice storm, discovering sinister murderous crimes. She weaves through crowds of 60s inspired, well-heeled suburbanites and in her imaginative clothing, stands out from the crowd in her rebellious colors.
Her daily outfits consist of many layers of tee shirts that pile over each other with lots of ripped seams. The sweat shirts and comfy knits lean heavily on shades of charcoal. The leather, biker jacket is her armour through life, the trusty dark jeans and the nailed and studded biker boots make sure she can cause damage. They guarantee quiet confidence and a steel-cold personality, enough to ward off any uninvited attention.
We can all have a bit of gothic in us. Imagine a day when nothing is better than a weather-proof leather jacket, and skin-tight, black jeans with combat boots. So go out there, and face the world like our heroine, and, if you are brave enough, consider that a high hair line could potentially stir the world.

Do I Need an Attorney for My Divorce?

Many couples debate whether they need a divorce attorney when mediation is required by the courts. It is recommended, at minimum, consulting with a family law attorney about your options and what is best course of action for your case no matter how well you and your ex-spouse get along.
Below you will find just a few examples of the aspects you need to consider if you are debating whether you should hire an attorney for your divorce:

  • If you have many complicated assets to divide up. If you have accumulated various expensive marital property, you should consider hiring a lawyer. You will want to have a lawyer present if you have complicated possessions you are dividing, like businesses, numerous vehicles, and real property.
  • If your spouse is prone to lying. If your former spouse is known to lie, it could become difficult when it is your word versus theirs in a hearing or mediation session. If they are spreading false information about you, or lying in the courtroom, you need a lawyer on your side to protect your interests.
  • If violence or abuse is ever involved. If any abuse is present, whether it’s related to children, substance abuse, sexual abuse, mental abuse, or any other form, you should always hire an attorney. Not only will the abused spouse not be able to negotiate properly for fear of manipulation or further abuse, but a family law attorney can help take the appropriate steps to protect you and your family.
  • If your spouse has hired an attorney. Your spouse may choose to hire a lawyer to represent themselves at the last minute. We see attorneys appear at hearings and mediation with little to no notice to the unrepresented spouse. If your spouse decides to have representation, you should as well. It will be difficult to make your case against a family law attorney, even if you believe you have a clear and reasonable argument.

There is so much at stake! If you are going through divorce and you are debating on whether you need to hire a divorce attorney, call and speak to a family law firm you trust in your area. An experienced attorney should answer the questions you have, discuss your options and your particular case to help you understand your options during divorce. A skilled lawyer may be an invaluable asset to protect your and your family interests.

The Adaptation of Fashion Trends

Fashion is more or less synonymous with females. Most women have this undying craving of dressing up according to the on going fashion trends, no matter whether it suits them well or not. Fashion trends which change almost every fortnight, are endearingly followed by the female segment of our society. However, a million dollar question remains unanswered that, where does these “Fashion Trends” exactly start from? Since most ladies pick up the trends by watching their friends and peers, the exact source of the fashion trends gets lost somewhere down the line.
The fashion trends actually start from the runways of London, Paris and New York. It is the ramp of these renowned fashion events that head starts the so called “Latest Fashion Trend” fever throughout the world. Designers persistently keep renovating the fashion styles and come up with varied designs every now and then and so does the trends in fashion markets too.
Since most of the people are unable to buy the exuberantly expensive brands showcased on the ramps, people tend to pick the reasonably priced imitations of the same. Most departmental stores copy the runway dress designs which are later sold like hot cakes in the market.
Its not just the runway shows which influence the public in general, but the celebrities too, who are considered as the style icons by youth. Youngsters imitate their favorite stars and try to dress like them in order to prove themselves fashionable enough among their friend circle. On one hand where the younger lot follow the dressing sense of celebrities like Miley Cyrus and Jamie Lynn Spears, the older lot on the other, dress as per the various popular television shows like Desperate Housewives.
There is nothing wrong in following the latest trends or styles but the trick is to copy the trends sensibly. The most important thing to remember while dressing is to maintain your own individuality within the fashionable drapes. One is not suppose to look like a carbon cut out of a runway model but the thing is to express the same style through your own self and as they say when you will be comfortable within your own skin you would indeed be making the biggest fashion statement around.

The Biggest Home Loan Mistakes to Avoid

Buying a Home and obtaining the right type of Home Loan from the Bank is always a challenging task. Why you may ask? I think everyone will agree with me if I were to say owning a Home is our single largest commitment in our lifetime. If you do not get proper financing done, it can cost you thousands or even tens of thousands in interest payment alone to the Bank.
For Investors, structuring the mortgage financing correctly will be even more critical as it can mean the difference between a profit or a loss. This can be the difference between creating a wealth generating property portfolio or never progressing beyond the first property investment.
Throughout my entire 14 years’ journey in mortgage financing, I have seen many property buyers who made wrong mortgage decisions which cost them huge sums of money. So how do you make sure that you will end up with the right type of property finance that will save you thousands in interest?
Here are the 10 biggest Home Loan Mistakes made by loan borrowers which I have gathered throughout my career in Mortgage Financing.
Understanding the Malaysian Mortgage Industry
For the past one year or so, we have seen many announcements being made by Country Bank with regards to the changes in the mortgage financing climate. Many home buyers are still unaware and were caught off guard on the recent changes. Take for instance, recently when I sold one of my properties the buyer only knew that there is a 70% financing cap on third property after he paid the deposit and went to the bank to inquire about financing.
With the new announcement on 100% financing with properties costing between RM100,000 to RM400,000 do take extra precaution on the loan approval by the banks. It’s rather rigid with many requirements that needed to be met. My advised for those who are going for this type of loan is to go to the bank and check the loan approval requirements before committing on the purchase.
For home buyers or investors who are buying new properties, do take the extra trouble to check on the latest changes before committing on your purchase.
Going for the lowest Interest Rates
One of the hottest topics when it comes to buying a property will be “which bank is offering the lowest rate in town”. My philosophy, “The Lowest Interest Rate does not necessary save you the most Interest”. Why is that so?
What might be seen as a good deal can sometimes come with strings attached whereby it costs more in certain situations or the loan offers less flexibility. Always remember to read (no need to have the word “between” because you do not need to read between the lines) the fine prints in your loan Letter of Offer before signing on the dotted lines.
Be very clear about your objectives for getting the loan and do your homework before you go to the Bank for your financing needs. With the objectives set, go and search for a home loan that suits your specific needs and objectives, and enables you to save the most interest.
Understanding The Bank’s Loan Packages
There are hundreds of different innovative types of loan packages out in the market. Borrowers are often spoil for choice because there are too many to choose from. Many borrowers do not do research on the loan packages and at the end of the day take packages that are not suitable for their specific needs and goals, costing them to lose large amounts of money in interest payments to the banks.
Pre-Qualifying Your Loan Approval
This is the most common mistake that many home buyers make. Many home buyers thought that they have no problem in getting their loans approved and often time ignorance can lead to losing tens of thousands paid as deposits. I have seen this happen many times.
The right approach is to go to the Bank before buying a property and check your credit standing. The loan officer can help to qualify your loan. At least, when you pay the house deposit, you pay with confidence.
How Banks Determine Credit Approval?
Sometimes it will work towards your advantage if you know how the Banks approve a loan. Banks use, Debt to Income Ratio (DTI) to determine whether you qualify for the loan. For example, if your income is RM3,000 and your total debt is RM1,500 your DTI works like this:-
RM1,500/RM3,000 X 100% = 50% DTI
(Debt) / (Income)
Different Banks use different ratio to determine their credit approval. Normally, banks approve loans with DTI ratio of between 33% to 70%. The recent announcement by Bank Negara on using Nett instead of Gross income when it comes to loan approval will greatly affect the DTI ratio.
Please be mindful that debt also includes your other borrowing such as car loans, credit cards and personal loans.
Be a Guarantor for someone else Loan
According to Banking Info (by Bank Malaysia), a guarantor will sign a legal contract which binds the guarantor to pay the debt of the borrower if the borrower is unable to service the loan.
Too often I have come across cases whereby the guarantor gets into trouble when the main borrower is unable to service the loan. I have even seen cases where the borrower ran away and cannot be found. In this situation the bank will go after the guarantor. The guarantor will only have 2 choices either to service the loan or face being sued for bankruptcy. When this happens, even people with good financial standing will find it difficult to obtain a loan. Be careful when you are asked to be a guarantor.
No Shopping Around
I had a customer some years ago who bought a 3 stores semi-D in Penang. At the time of purchase she went to the bank to get her home loan. The loan was approved by the bank with the condition that RM200,000 be placed as Fixed Deposit lien. She did not go to other banks to inquire and took up the offer. In 2009 during the economic downturn, her business took a dip and she needed the money to sustain her business but her bank was unable to release the lien. At the end she decided to sell her house at a loss and she also had to pay a penalty of 5% on her RM500,000 loan.
This situation can be avoided if she had gone to various banks and shopped around. Maybe she did not even have to put up the lien. Different banks have different approval criteria. One bank’s rejection can be another bank’s approval.
Failure to plan
Having a Home Loan is our single largest commitment. Many borrowers take on loans they cannot even afford after taking into account their income and expenses. It will be wise to do your own financial planning before committing yourself to any loans.
Failing to plan will also cause the borrowers to lose tens and thousands in interest. Remember, “Even small monthly savings can add to a big sum”. By making constant extra repayment to the home loan will enable the borrower to save a lot in interest and also to finish the loan much earlier than the original tenure.
Choosing a Mortgage Lender
I am very particular when it comes to choosing a mortgage officer who is going to process my loans. One of my criteria is that the mortgage officer must have at least 1 year’s experience. This is of upmost importance as their experience in recommending your loans will be paramount to determining your loan approval.
Should I buy Mortgage Reducing Term Assurance (MRTA)?
When it comes to buying Insurance a lot of borrowers try to avoid it. If you do not have a life insurance at least buy MRTA. MRTA will cover you in the event of death or permanent disablement. Even if you have life insurance you can still purchase MRTA for extra protection for you and your family. MRTA is much cheaper than the life policy but the coverage is limited.
I hope my article will help you to gain more knowledge of the mortgage industry in Malaysia and will assist you to prepare for your upcoming property purchase.