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You're standing in front of your Family and Friends prepared to make your dreams of a lifetime come true. It's at that moment that you are grateful that you have a professional guiding your ceremony. The Supreme Court has finally ruled upon this issue. Now is the time to plan your perfect LGBT Wedding. I have been performing Commitment Ceremonies since the beginning, and I am so pleased this has opened up for everyone to marry the one they Love. Contact Reverend Jacqui Weiks, Your LGBT Wedding Officiant
We are an open and affirming, multi-racial and multi-cultural, assessable to all, peace and justice oriented body of faith. We go into the community and God's disciples. Grounded by the teachings of Jesus the Christ, we uplift Christ's goodness, create spiritual community, and care for God's people and God's world. Dynamic hope, incredible compassion, extravagant hospitality, and radical love are our core values.
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Addiction Treatment and the Recovery Process By Matt Gonzales, writer and researcher for DrugRehab.com Drug addiction is a chronic disease that affects your physical and mental health, job status and relationships. Once you’re hooked on a drug, your whole life revolves around it. Substance use disorders are common in the United States. Heroin use in […]
Who pays after the devastating Orlando shooting? After a tragedy, who pays the bill? There has been a lot of talk lately about medical costs and medical debt, even as the Affordable Care Act helps more Americans get the treatment they need without taking on crippling debt. Even with more people covered, medical treatment is […]
Making a Legal Case for Bisexuality Bisexuality is widely misunderstood. Bisexuals are often dismissed or used as a punchline by the straight community and sidelined in conversations about LGBT rights and equality, often while experiencing many of the same struggles and setbacks as the rest of the queer community. And for some–like Ray Fuller, a […]
Olympic Coverage Criticized as Homophobic? One of the most memorable moments of the 2016 Summer Olympics in Rio didn’t occur during an event. Instead, just after the women’s rugby event on Monday night, Brazil’s Isadora Cerullo’s partner, Marjorie Enya, surprised her with a proposal. As reported by CNN, Enya said in her emotional speech “I […]
Should You Take Out a Home Improvement Loan?
Is it time for a new roof? Is your kitchen stuck in the 1980s? Maybe your family is growing and you’re feeling a little cramped. If you’re not ready to move, you might be looking to make some major home improvements, and for many homeowners, a home improvement loan can provide the funds to take on renovation projects without having to lay out a lot of cash.
In many cases, a home improvement loan can give cash-strapped homeowners an opportunity to update their homes to be more comfortable and even valuable, but before you sign that loan paperwork, you may want to take some time to consider the pros and cons of a home improvement loan.
Pro: A Home Improvement Loan Can Add Value
A home improvement loan can often be used for projects that will increase the value of your home. Projects like additions or extensions, or major upgrades like a new kitchen or finished basement, can all add to your home’s value if you eventually decide to sell. Many of these upgrades don’t have to be huge overhauls: even a small project like replacing bathroom lighting and fixtures can make your home more appealing to future buyers–not to mention making it a more liveable space for your and your family.
Con: It Might Cost More in Interest Than It’s Worth
Unfortunately, the value an improvement project adds to your home could be completely offset by a high-interest home improvement loan. Taking on a huge, complicated project could mean taking out a very big loan to cover the costs of materials, contractors, and permits. If you’re not planning to sell anytime soon, this may not be an issue, but the last thing you want is to spend years paying off a project that you never really got a chance to enjoy.
Pro: Many Lenders offer Home Improvement Loans
You have a lot of options when it comes to applying for a home improvement loan. Most banks offer both loans and lines of credit at competitive rates, making it a borrower’s market. Services like Lending Tree and Prosper put even more power in your hands: Lending Tree allows borrowers to set loan terms for competing lenders, while Prosper skips the bank entirely in favor of a peer-to-peer loan.
Con: Many Loans Have Hidden Fees
Most home improvement loans will at least have an origination fee, which can either be a fixed rate or a percentage of the loan amount. Beyond these expected fees, you’ll have to keep an eye out for added fees or unusual terms like set-up fees or charges for paying off your loan ahead of schedule. Many of the highest-rated home improvement loans don’t have any fees beyond closing costs and interest, so it’s often a good idea to take out a loan through a well-known, reputable lender.
Pro: You Don’t Need Perfect Credit
If you’re taking out a secured home improvement loan (typically a home equity loan or a home equity line of credit), the good news is that you don’t need perfect credit to apply. Because you’re borrowing against your equity in your house, many lenders are more willing to extend credit to borrowers whose credit is less than perfect. This can give you a lot more flexibility in terms of your loan amount, since a house with a lot of built-up equity can give you more borrowing power than taking out an unsecured personal loan.
Con: Defaulting Could Mean Huge Trouble
Since a secured home improvement loan is tied to the equity in your house, defaulting can lead to losing the house you took out a loan to improve in the first place. Before taking out a secured loan, make sure you can afford the necessary principal and interest payments, otherwise you risk losing your investment in your home and finding yourself underwater on your new debt.
The Right Time for a Home Improvement Loan?
If you’ve considered the pros and cons of taking out a home improvement loan, currently low interest rates may make this an ideal time for you to take on that big home improvement project. If you have the cash to make your improvements, you can always skip the loan and pay out of pocket, but carefully deciding to take out a home improvement loan can open up many options for creating a happier living arrangement.