it in the past. You build equity as that difference grows ùwhen you repay your existing mortgage to decrease the amount you owe, or when your homeÆs value increases. With home improvement equity loans you can borrow up to 125% of your equity depending upon the requirement. Home improvement equity loans are of two types. One is standard home improvement equity loan in which you get the lump sum payment of the loan amount. This form of home improvement equity loan is suited for those who want to finance large one time expense. It offers you simple repayment terms and a security that your payments will never increase. The other one is line of credit which you can use like a credit card. There is a limit set for you up to which you can borrow, and you just have to pay the interest on the amount you borrow. This form of loan is to finance ongoing expenses or miscellaneous purchases. You can borrow against that equity when you need cash, using either a home improvement equity loan or a line of credit. Both offer a number of advantages over other types of financing including: ò Interest savings. Home improvement equity loans or line or credit typically have much lower interest rates than other types of financing, such as credit cards and personal loans. ò Tax benefits. Just like your first mortgage, the interest you pay on a home improvement equity loan or line is usually tax-deductible. You should consult your tax advisor about the deductibility of interest Lenders normally place no limitations on your home improvement projects, as long as they are within the boundaries of your local building requirements. Depending on the type of improvement, you have the choice of doing the home improvement work yourself, or using a home contractor. You just need to do a little research while looking for a lender to avail the benefits. Home improvement equity loans will provide you the right platform to transfer your place of living into a home. These loans are recommended as it is a nice way to get equity from your home for improvement of your home. Title: Man Business Owners Tend to Underestimate The Importance of Working Capital! Word Count: 635 Summary: Many business owners tend to underestimate the importance of working capital financing. Many tend to see this as simply an ôemergency fundö, an insurance plan that will probably have little use. But the applications for working capital go far beyond simple unexpected emergencies. Keywords: working capital financing, working
piece
is
an
abstract
triptych
that
I
found
while
I
was
in
Atlanta
buying
religious
paintings
The
piece
was
called
Guardian
Angel
and
I
love
it
My
patrons
fell
in
love
with
it
as
well
They
have
asked
me
to
track
down
the
artist
and
see
if
he
has
anymore
religious
paintings
available
The
only
religious
paintings
that
I
actually
do
not
buy
are
ones
that
reflect
the
image
of
Jesus
on
the
cross
I
don’t
have
a
problem
with
them
some
of
them
are
extremely
well
done
and
would
more
than
likely
sell
well
but
my
investors
made
it
very
clear
when
they
financed
the
gallery
that
I
would
not
put
that
image
into
it
PPPPP
683
Ajello
Candles
The
motto
of
the
Ajello
Candle
Company
is
“It’s
better
to
light
a
candle
than
to
curse
the
darkness”
This
candle
making
company
has
been
in
business
since
1775
The
business
has
been
family
owned
for
seven
generations
The
candles
from
Ajello’s
are
well
known
for
their
beauty
and
quality
While
they
make
more
candles
now
than
in
1775
their
dedication
to
quality
and
to
customers
has
never
changed
The
Ajello
Candle
Company
was
founded
by
Rafael
Ajello
an
Italian
painter
He
was
also
a
beekeeper
so
he
tried
his
hand
at
using
bees
wax
to
create
candles
He
worked
hard
to
create
a
formula
that
worked
well
The
formula
combined
with
his
outstanding
artistic
ability
lead
to
the
birth
of
the
Ajello
Candle
Company
In
1785
the
company
earned
the
honor
of
creating
all
the
candles
for
the
Vatican
He
and
his
wife
ran
the
business
keeping
their
children
involved
in
the
processes
from
an
early
age
As
time
went
on
their
children
and
grandchildren
kept
the
business
running
as
well
as
passed
the
family
business
on
to
their
children
By
1862
the
company
had
established
itself
as
a
leader
among
the
candle
making
industry
They
had
also
added
perfumes
and
many
.
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