Home Construction Financing

Although having the exact home you want is an outstanding benefit, financing home construction can be a different matter. If you’re working with a custom builder, you will need to assume something known as a “construction loan”. This is the loan that pays off the builder while they build your home. Construction loans are typically short term loans that pack a higher interest rate than your traditional mortgage.

If you’re purchasing a starter home, this might thankfully not apply to you. Builders of “starter homes” understand that a lot of their potential buyers are not able to qualify for a high rate construction loan nor do they understand or care to acquire a short term loan then a long term loan. For this reason, entry-level homes are frequently financed by the builder or else the builder merely builds the homes out of pocket, handling the lot and all of the construction costs of the house. If this is the case with your builder, you will need nothing more than a traditional loan.

If it does turn out that you will require home construction financing, it definitely pays to browse around for best rates and lender with which to obtain one. As construction loans are generally fixed at a higher rate than conventional home loans, you’ll want to pay off the construction loan as promptly as possible.

Some banks will offer you a package deal called a “combination c and p” loan with just one set of closing costs. This makes up both a construction loan and a conventional mortgage loan wrapped up in to one. A combination C&P loan will save you time and hassle in the long run.

Traditionally, a construction loan works as follows. You apply through a lender for a construction loan secured by the home that is being built. Because the home is not yet built, the lender is taking on additional risk by financing you and this will be reflected in your rates.

As the house is constructed, the builder will ask for a “draw” or percentage of the cost based upon the level of completion of the home. This will come about at several stages during the construction of your new home. The bank that’s financing your construction loan will compensate the builder for these draws and construction will progress to the next stage.

Around thirty days prior to the home being completed, you will want to apply for a traditional mortgage subject to the house being complete. This way, the construction loan is paid back and the permanent financing is put in place as quickly as possible after the house is built.

Renewing Car Insurance Policies – Do’s and Don’ts

Having an adequate car insurance cover for your vehicle has become extremely imperative while driving on today’s accident-prone, high traffic roads and dealing with uncertain conditions almost every day. Car insurance cover relieves your mind of the financial tension at least, takes your mind off the continuous worry of the expense that may occur from any unintentional damage occurred. So, one must be consciously aware of the car insurance term at any given point of time lest it expires and you are caught off guard with an unwarranted situation, only to find out that your car insurance is due for renewal.

While the mandatory renewal of car insurance every year may seem like a monotonous and rather tedious procedure but it is critical to get it done on time in an appropriate manner. Moreover, it is important to consider certain aspects in mind while renewing your car insurance policy; there are some do’s and don’ts that can go a long way in helping you to have your car insurance renewal done in an informed manner. Let’s have a quick at some of these points and help to smoothen out the process for you and also help in going for relatively cheap car insurance, at best price with the best services.

Do’s – Get it right

1. Comparison among policies- The first and foremost thing to consider while renewing the car insurance policy is the fact that there is a wide variety of insurance covers in the market to choose from with absolutely no compulsion to continue with the same policy taken. In case you experience certain inadequacies in the interim of one year of the policy or you may wish to upgrade your policy as per the changing demands, then, you always have the option of switching to a new one. Before that, it is critical to take note of the varied policies available in the market and make a thorough comparative analysis.

2. Accurate Details in the Form- While filling up the form for car insurance renewal, it is utmost important to fill inaccurate details about your car and to the best of your knowledge so as to get a suitable policy by the company. Thus, it is advised to fill up the form in a relaxed state and on your own as you know your requirements better than any company agent.

3. Policy Record- Once you have renewed the policy, make sure to fill a copy in a file and keep it with for the record or if it’s a soft copy, then save it with you on a hard drive so as to not lose it. It’s important to maintain a proper record as it gives all information required at any point and leaves no room for any confusion when it comes to availing the No-Claim Bonus (NCB) or any other future claim.

4. Add on Covers- Before taking up any policy, it is vital to take note of all the add-on covers and go through them at length so as to choose wisely the ones that suit your needs instead of blindly going for everything and end up paying a huge amount unnecessarily.

5. Registration Certificate (RC)- While renewing your policy, also ensure that your RC is updated with your present address, name and other details. Also, see to it that the vehicle specifications are accurate and the details mentioned on the RC are in sync with the policy details.

Don’ts – Not to Mess Up

1. No blank columns in the form- Do ensure that you end up leaving no columns in the form blank or unanswered that may impact your policy renewal in an adverse way. Instead, one must provide all possible information, just to be sure to be taking the right help from the insurance company.

2. Not to miss timeline for renewal- Keeping in mind the expiry of the car insurance plan is critical not just from the perspective of any damage occurring in the interim when you are uncovered but also for saving up on the late renewal charges if any by the company. Moreover, it gives one time to think and then act rather than being in a hurry to insure with the first plan that comes your way.

3. No Incorrect Declarations- One must never make any incorrect declaration or give any wrong estimate to the car insurance company, intentionally, as that can end up in getting you the wrong cover. Tell them precisely what your requirements are, what the car condition and car value estimation is and your future claims will remain uninterrupted.

4. Not to forget about the transfer of name- In case of acquiring a pre-owned vehicle, make sure to have the policy transferred in your name and do not have it renewed in the previous owner’s name itself by any chance.

Why You Should Ditch the Scale and Love Your Body

It’s Just a Number:

We’ve all been there. Stepping on the scale and holding our breath. Closing our eyes to delay, just for a moment, the number that awaits us. If you’re like me, you’ve tried every trick to make that dastardly old scale behave a little more nicely. You’ve shed shoes, pants, earrings, headbands-you’d take out your fillings if you could!

And that does not even include all of the hard work that preceded this moment: the endless hours of exercise. The gallons upon gallons of water. The near starvation and the gagging down of all these pills, potions, and magic elixirs that promise instant and enduring results. By the time we reach the scale, we’re more likely to feel like crawling than walking-such is what we put ourselves through in the pursuit of the thin and perfect’ body.

But why are we so obsessed with a few measly numbers on a bathroom scale? Why does this one little household item have so much power over us, and how we feel about ourselves? The simple fact is that the number on the bathroom scale reflects very little on our overall physical health. And it says far less about our beauty. Our uniqueness. Our worth as human beings.

So instead of being taunted by the tyranny of the scale, let’s focus on the things that really mean something, the things that really matter. Let’s learn to treat our bodies right and recognize their beauty-at any weight.

Stopping the Scale Obsession:

Anyone who has ever dieted-and that means pretty much anyone who has ever lived in the US in the last 100 years-knows how quickly an obsession with the scale can develop. Those first few lost pounds are like a drug. They intoxicate. They infuse you with a sense of accomplishment. Of triumph.

But that victory is all too often short-lived. Soon the numbers start dropping gradually. Than they stop dropping at all and as the weight loss slows, the obsession with the scale grows. You may find yourself checking multiple times a day-maybe even multiple times an hour.

You will find that your mood and your self-image are increasingly tied to the numbers that greet you on the scale. If the drop has been sufficient, your day is made and your self-esteem grows. If the drop is not what you expected, than you are a failure. You have not worked hard enough. You did not want it enough. You are not good enough.

This is a vicious and tremendously unhealthy cycle, one that often leads not only to emotional overeating in the desperate attempt to gain some kind of solace, but one which also produces stress-and stress, as we know, causes chemicals such as cortisol to be released into the body. These stress chemicals also promote the development-and the retention-of fat, especially fat around the dreaded midsection.

When you become scale-obsessed, you’re basically setting yourself up for failure, for a self-destructive cycle of emotional highs and lows that will almost inevitably lead to weight gain. Scales Do Not Reflect Weight Loss Accurately An important issue to bear in mind is that the number on the scale does not actually reflect fat loss. In fact, most of the weight lost in the first stages of dieting is water loss. The reductions in salt and carbohydrate intake which often accompany dieting lead to very rapid loss of fluid retention. But the human body simply cannot shed fat that quickly.

So the scale gives you a false sense of accomplishment in the early days of dieting, which than makes you so desperate to duplicate that “success’ that you and up making demands of your body that it cannot possibly fulfill. After all, the body can only lose so much water before the organs begin to fail completely. And true weight loss, by which we mean true fat loss, can only be accomplished gradually. This is a weight loss I best measured in inches, not in pounds.

Metabolism Matters:

One of the most frustrating aspects of dieting is that what works like a charm for one person may not work at all for another. There are few things more upsetting than watching your fiends and loved ones achieve amazing results, when you are working so hard and getting little or nothing in return.

It’s all too easy in cases like this to forget that no two people have the exact same metabolism. Each person metabolizes calories, nutrients, and energy differently and a myriad of factors can shape how our metabolism functions. Everything from age to gender to lifestyle to overall health can have an impact on our body’s metabolism.

However, if all we are thinking about is the number on the scale, then we risk forgetting the vital role that metabolism plays in the success or failure of our diet regimen. Rather than obsessing on a number, it is far better to explore how our body is functioning and why. Metabolism is a key component in this.

If what is working for others in your age group isn’t working for you, than it may be worth while to visit your doctor. You may learn that you have a vitamin deficiency, or a problem with your thyroid function, or some other issue that is affecting your metabolism, causing weight gain through no fault of your own.

The Goal of Better Health:

Recognizing the role of metabolism in weight loss is the first step on the road to better health. The reason for this is simple, you’re now beginning to appreciate the complexity-and the true miracle-that your body is. Your body is far more sophisticated than three measly numbers on a scale. It deserves far greater respect than being distilled down to such a nothingness.

When you begin to disassociate your weight from your self-worth, than it makes it easier to invest in treating your body right, no matter what effect that new, healthier regime might have on your weight.

In fact, a number of components of a good health and fitness program can actually lead to an increase in weight, but that does not mean that your health is deteriorating or that fat loss is not occurring. The opposite could actually be true, you may be burning fat but gaining muscle, which is denser than adipose (fat) tissue and therefore weight more.

So What Do You Do Once You Ditch the Scale?

Eat Right, Once you stop worrying about the numbers on the scale, you can also start worrying less about the pesky issue of calories. Instead, you get to focus on more important matters when it comes to your food, such as its nutrient content.

If you are eating right, your principal concern should be that your food is whole, rich in the micro nutrients and macro nutrients your body needs to perform at its peak. This also means eating lots of healthy fats, proteins, and complex carbohydrates-things which calorie and weight-conscious dieters may shy away from but which are essential to building, and maintaining, a healthy body.

Find a Good Supplement:

It’s nearly impossible to consume all of the nutrients the body needs in a single day simply through food intake alone. This is where turning to a good nutrition supplement can be a great idea. There are a number of safe and affordable nutrition supplements on the market today which can help to provide you with the nutrients you need to build muscle and loss fat.

The important thing to remember when you begin using nutrition supplements is that you may not actually lose weight with some of these, but that does not mean you are failing in your health regimen. In fact, you are probably growing stronger, healthier, leaner, and more toned. This improved performance and increased sense of wellness are far better indicators of your body’s overall health than any number on the scale could ever be-and when you learn to value yourself, you will learn that health is a much greater gift than some arbitrary weight that the beauty industry claims you need to be.

Get Out and Exercise:

To be healthy, you not only have to eat right and take in the proper nutrients. You also have to be physically active. This doesn’t mean that you have to spend 10 hours a day in the gym, tortured by painful workouts that you hate from beginning to end.

No, it’s far better to find a physical activity that you love, one that you feel excited about, one you can’t wait to get out and do. Maybe it’s salsa dancing. Maybe it’s biking in the mountains. Maybe it’s martial arts.

The most important thing is to get moving. Find the thing that makes your heart pump not only while you’re doing it, but even just in thinking about it. You will be more energetic, more passionate, and more content-all while reaping the muscle-building, fat-burning benefits of exercise (but happy, healthy, fun exercise!)

Get Rest:

Yes, you have to be active, but you also have to take time everyday for stillness. Whether you prefer to meditate or to pray, or simply to sit quietly by your window or beneath your favorite shade tree, the health benefits of stillness are virtually limitless. Taking the time to be quiet-to do nothing, to let the mind and body rest-improves focus, boosts mood, builds energy, and reduces those stress hormones we talked about earlier. You know-the ones that lead to weight gain and fat retention?

Get Social:

OK We’re born alone and we usually die alone. But that doesn’t mean that we have to be alone in between. In fact, studies are increasingly showing that the more social you are, the healthier you are Loneliness leads to depression, stress, and anxiety: three big players not only in ill health in general, but in weight gain and obesity in particular. An active social life, with lots of time spent with friends and family, increases the likelihood that you will be more physically active. You will also likely have more support and more motivation in your efforts to maintain a healthy lifestyle.

Get Involved:

It’s almost impossible to be weight and beauty obsessed when you get out of your own head and into helping others. Nothing feeds the soul like helping those in need. So volunteer Feed the homeless. Counsel abused women. Mentor at-risk children. When you see how many people are suffering-and when you recognize your own power to make a difference in this world-it really helps to put matters of weight and appearance into perspective.

You may even find yourself eating healthy and staying active not because it’s going to look great in the next selfie, but because it allows you to help more-because you have people around you who are depending on you. You have people in your life to stay healthy for, to live (and live well) for.

You are (NOT) What You Eat:

There’s no getting around it We live in a culture obsessed with youth and beauty. The explosion of social media and the 24/7 streaming of celebrity images has only magnified the pressure on women to live up to some false ideal of what is beautiful, of what is valuable, of what it is supposedly necessary for women to be. With the proliferation of mobile devices, we can’t even leave our homes to escape these images: we carry them around with us, day in and day out, on our cell phones and tablets.

It’s no wonder that we fall so easily into weight-loss obsession when we are inundated with wasp-waist teenagers bombarding us with beauty tips and informing us with the latest weight loss secrets. Of course, we all know that these images are not real. The photo editing tools available on every device now puts old school Photoshop to shame. Everyday women can readily subject their selfies to massive touch ups before releasing them to the world as their “true’ face, this does not even take into account the editing technologies used in the film and fashion industries.

We all know these images are false. We all know that Giselle and Gigi do not look like “Giselle” and “Gigi.” But that all too often does not decrease the power of these images over most women’s lives. The obsession with the scale all too readily becomes the one tangible thing by which we can measure how close-or how far-we are getting from this supposed “ideal” of female beauty.

Extreme Self(ie) Care:

We can break out of this cycle. We can move beyond the self-destructive pattern of trying to beat and badger our bodies into a mold that does not even exist in the real world. It is all a matter of what I like to call “extreme self(ie) care”. It means stepping away from the scale and into a way of living and thinking that recognizes and honors our bodies for the wonders of nature that they are, for the complex, powerful, irreplaceable temples in which we carry out the work of our heart and our souls.