#Equity Loan

[chooseyourhomeloancalifornia]

Is Investing Your Home Equity Worth It? An In-Depth Look

Homeownership is more than just a milestone; it’s an investment. For many, it’s also the most significant source of wealth, largely thanks to the equity built up over time. But the question arises, is investing your home equity worth it, especially when considering real estate investment as a potential avenue? This study dives deep into equity in a home loan, home equity, and real estate investment to help you make informed decisions. This blog is originally published here: https://chooseyourhomeloan.com/is-investing-your-home-equity-worth-it-an-in-depth-look/

[charliek0]

Fast Approval, Instant Relief: Car Collateral Loans in Kamloops, BC

In Kamloops, British Columbia, Snap Car Cash offers reliable Car Collateral Loans to help individuals in need of Emergency Cash Loan solutions. Whether you require immediate funds for unexpected expenses or financial emergencies, our Car Title Loan service provides a quick and hassle-free solution. With Snap Car Cash, securing an Auto Pawn Loan is straightforward, even if you have Bad Credit. We understand that life can throw unexpected curveballs, and that's why we're committed to providing accessible lending options tailored to your needs. Trust Snap Car Cash for flexible terms, competitive rates, and efficient processing, ensuring you get the assistance you need when you need it most in Kamloops, British Columbia.

[car-title-loans-nova-scotia]

In Nova Scotia, when faced with urgent financial needs, Car Title Loans offer a lifeline. These Emergency Cash Loans provide quick access to funds, leveraging your vehicle's equity as collateral. With Car Collateral Loans, borrowers can get fast money without relinquishing possession of their vehicle. Whether it's an unexpected expense or a pressing bill, this Auto Pawn Loan option serves as a convenient solution, especially for those with Bad Credit. Nova Scotians grappling with financial challenges can find relief through these loans, offering flexibility and accessibility in times of need. With minimal paperwork and a streamlined process, Car Title Loans in Nova Scotia ensure that individuals can swiftly secure the funds they require, utilizing their vehicle's value as leverage.

[mostlysignssomeportents]

Private equity plunderers want to buy Simon & Schuster

Going to Defcon this weekend? I'm giving a keynote, "An Audacious Plan to Halt the Internet's Enshittification and Throw it Into Reverse," on Saturday at 12:30pm, followed by a book signing at the No Starch Press booth at 2:30pm!

https://info.defcon.org/event/?id=50826

Last November, publishing got some excellent news: the planned merger of Penguin Random House (the largest publisher in the history of human civilization) with its immediate competitor Simon & Schuster would not be permitted, thanks to the DOJ's deftly argued case against the deal:

https://pluralistic.net/2022/11/07/random-penguins/#if-you-wanted-to-get-there-i-wouldnt-start-from-here

When I was a baby writer, there were dozens of large NY publishers. Today, there are five - and it was almost four. A publishing sector with five giant companies is bad news for writers (as Stephen King said at the trial, the idea that PRH and S&S would bid against each other for books was as absurd as the idea that he and his wife would bid against each other for their next family home).

But it's also bad news for publishing workers, a historically exploited and undervalued workforce whose labor conditions have only declined as the number of employers in the sector dwindled, leading to mass resignations:

https://lithub.com/unlivable-and-untenable-molly-mcghee-on-the-punishing-life-of-junior-publishing-employees/

It should go without saying that workers in sectors with few employers get worse deals from their bosses (see, e.g., the writers' strike and actors' strike). And yup, right on time, PRH, a wildly profitable publisher, fired a bunch of its most senior (and therefore hardest to push around) workers:

https://www.nytimes.com/2023/07/18/books/penguin-random-house-layoffs-buyouts.html

But publishing's contraction into a five-company cartel didn't occur in a vacuum. It was a normal response to monopolization elsewhere in its supply chain. First it was bookselling collapsing into two major chains. Then it was distribution going from 300 companies to three. Today, it's Amazon, a monopolist with unlimited access to the capital markets and a track record of treating publishers "the way a cheetah would pursue a sickly gazelle":

https://pluralistic.net/2023/07/31/seize-the-means-of-computation/#the-internet-con

Monopolies are like Pringles (owned by the consumer packaged goods monopolist Procter & Gamble): you can't have just one. As soon as you get a monopoly in one part of the supply chain, every other part of that chain has to monopolize in self-defense.

Think of healthcare. Consolidation in pharma lead to price-gouging, where hospitals were suddenly paying 1,000% more for routine drugs. Hospitals formed regional monopolies and boycotted pharma companies unless they lowered their prices - and then turned around and screwed insurers, jacking up the price of care. Health insurers gobbled each other up in an orgy of mergers and fought the hospitals.

Now the health care system is composed of a series of gigantic, abusive monopolists - pharma, hospitals, medical equipment, pharmacy benefit managers, insurers - and they all conspire to wreck the lives of only two parts of the system who can't fight back: patients and health care workers. Patients pay more for worse care, and medical workers get paid less for worse working conditions.

So while there was no question that a PRH takeover of Simon & Schuster would be bad for writers and readers, it was also clear that S&S - and indeed, all of the Big Five publishers - would be under pressure from the monopolies in their own supply chain. What's more, it was clear that S&S couldn't remain tethered to Paramount, its current owner.

Last week, Paramount announced that it was going to flip S&S to KKR, one of the world's most notorious private equity companies. KKR has a long, long track record of ghastly behavior, and its portfolio currently includes other publishing industry firms, including one rotten monopolist, raising similar concerns to the ones that scuttled the PRH takeover last year:

https://www.nytimes.com/2023/08/07/books/booksupdate/paramount-simon-and-schuster-kkr-sale.html

Let's review a little of KKR's track record, shall we? Most spectacularly, they are known for buying and destroying Toys R Us in a deal that saw them extract $200m from the company, leaving it bankrupt, with lifetime employees getting $0 in severance even as its executives paid themselves tens of millions in "performance bonuses":

https://memex.craphound.com/2018/06/03/private-equity-bosses-took-200m-out-of-toys-r-us-and-crashed-the-company-lifetime-employees-got-0-in-severance/

The pillaging of Toys R Us isn't the worst thing KKR did, but it was the most brazen. KKR lit a beloved national chain on fire and then walked away, hands in pockets, whistling. They didn't even bother to clear their former employees' sensitive personnel records out of the unlocked filing cabinets before they scarpered:

https://memex.craphound.com/2018/09/23/exploring-the-ruins-of-a-toys-r-us-discovering-a-trove-of-sensitive-employee-data/

But as flashy as the Toys R Us caper was, it wasn't the worst. Private equity funds specialize in buying up businesses, loading them with debts, paying themselves, and then leaving them to collapse. They're sometimes called vulture capitalists, but they're really vampire capitalists:

https://www.motherjones.com/politics/2022/05/private-equity-buyout-kkr-houdaille/

Given a choice, PE companies don't want to prey on sick businesses - they preferentially drain off value from thriving ones, preferably ones that we must use, which is why PE - and KKR in particular - loves to buy health care companies.

Heard of the "surprise billing epidemic"? That's where you go to a hospital that's covered by your insurer, only to discover - after the fact - that the emergency room is operated by a separate, PE-backed company that charges you thousands for junk fees. KKR and Blackstone invented this scam, then funneled millions into fighting the No Surprises Act, which more-or-less killed it:

https://pluralistic.net/2020/04/21/all-in-it-together/#doctor-patient-unity

KKR took one of the nation's largest healthcare providers, Envision, hostage to surprise billing, making it dependent on these fraudulent payments. When Congress finally acted to end this scam, KKR was able to take to the nation's editorial pages and damn Congress for recklessly endangering all the patients who relied on it:

https://pluralistic.net/2022/03/14/unhealthy-finances/#steins-law

Like any smart vampire, KKR doesn't drain its victim in one go. They find all kinds of ways to stretch out the blood supply. During the pandemic, KKR was front of the line to get massive bailouts for its health-care holdings, even as it fired health-care workers, increasing the workload and decreasing the pay of the survivors of its indiscriminate cuts:

https://pluralistic.net/2020/04/11/socialized-losses/#socialized-losses

It's not just emergency rooms. KKR bought and looted homes for people with disabilities, slashed wages, cut staff, and then feigned surprise at the deaths, abuse and misery that followed:

https://www.buzzfeednews.com/article/kendalltaggart/kkr-brightspring-disability-private-equity-abuse

Workers' wages went down to $8/hour, and they were given 36 hour shifts, and then KKR threatened to have any worker who walked off the job criminally charged with patient abandonment:

https://pluralistic.net/2023/06/02/plunderers/#farben

For KKR, people with disabilities and patients make great victims - disempowered and atomized, unable to fight back. No surprise, then, that so many of KKR's scams target poor people - another group that struggles to get justice when wronged. KKR took over Dollar General in 2007 and embarked on a nationwide expansion campaign, using abusive preferential distributor contracts and targeting community-owned grocers to trap poor people into buying the most heavily processed, least nutritious, most profitable food available:

https://pluralistic.net/2023/03/27/walmarts-jackals/#cheater-sizes

94.5% of the Paycheck Protection Program - designed to help small businesses keep their workers payrolled during lockdown - went to giant businesses, fraudulently siphoned off by companies like Longview Power, 40% owned by KKR:

https://pluralistic.net/2020/04/20/great-danes/#ppp

KKR also helped engineer a loophole in the Trump tax cuts, convincing Justin Muzinich to carve out taxes for C-Corporations, which let KKR save billions in taxes:

https://pluralistic.net/2020/06/02/broken-windows/#Justin-Muzinich

KKR sinks its fangs in every part of the economy, thanks to the vast fortunes it amassed from its investors, ripped off from its customers, and fraudulently obtained from the public purse. After the pandemic, KKR scooped up hundreds of companies at firesale prices:

https://pluralistic.net/2020/03/30/medtronic-stole-your-ventilator/#blackstone-kkr

Ironically, the investors in KKR funds are also its victims - especially giant public pension funds, whom KKR has systematically defrauded for years:

https://pluralistic.net/2020/07/22/stimpank/#kentucky

And now KKR has come for Simon & Schuster. The buyout was trumpeted to the press as a done deal, but it's far from a fait accompli. Before the deal can close, the FTC will have to bless it. That blessing is far from a foregone conclusion. KKR also owns Overdrive, the monopoly supplier of e-lending software to libraries.

Overdrive has a host of predatory practices, loathed by both libraries and publishers (indeed, much of the publishing sector's outrage at library e-lending is really displaced anger at Overdrive). There's a plausible case that the merger of one of the Big Five publishers with the e-lending monopoly will present competition issues every bit as deal-breaking as the PRH/S&S merger posed.

(Image: Sefa Tekin/Pexels, modified)

I’m kickstarting the audiobook for “The Internet Con: How To Seize the Means of Computation,” a Big Tech disassembly manual to disenshittify the web and bring back the old, good internet. It’s a DRM-free book, which means Audible won’t carry it, so this crowdfunder is essential. Back now to get the audio, Verso hardcover and ebook:

http://seizethemeansofcomputation.org

If you’d like an essay-formatted version of this post to read or share, here’s a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/08/08/vampire-capitalism/#kkr

[lemonbombsfjl]

Only 50 Days to Go! Make sure you are registered to vote today!

Register/check at one of these:

IWillVote.com

Vote.org Vote.gov

RockTheVote.org

Info: lwv.org

@kamalahq

Vote early, vote blue down the ballot, vote vote vote!

[ennovance]

In rates markets, there is a tug-of-war between a slowing economy arguing for lower rates versus the structural forces putting upside pressures on #inflation and rates (i.e. deglobalization, energy transition, more restrictions on immigration, more defense spending, and significant fiscal challenges).

 

So far, 10s have been moving around one-to-one with Fed expectations, but in recent weeks, a gap has opened up, suggesting that other factors, perhaps including the fiscal outlook, are beginning to play a role for long rates.

#cpi #m2 #ennovance #investments ht Slock

https://x.com/mohossain/status/1785675152413315312?s=46&t=GtuOmoaTjOwevz2JidiiDQ

[williamcampbell]

Get Immediate Cash Using Car Title Loans Toronto For a Gender Reveal Party

A gender reveal party is a celebration where the parents of the soon-to-be-born baby find out what their future child's sex will be. These parties are usually set up with pink decorations for girls and blue decorations for boys. To pull off this amazing feeling of having a boy or a girl can be a bit costly. That is where Apex Loans Canada offers your same-day cash Car Title Loans Toronto against your vehicle as collateral. You can get up to $25,000 for four years without credit checks with us.

Set Up an unforgettable gender reveal party using car title loans Toronto

1. Spend on the party venue: 

The type of venue that you choose for the party is going to depend greatly on your budget. Some will rent a hall and others may organize it at home. That is where our quick cash Car Title Loans Toronto will provide you with the needed funds for making that party a blast. We can give you up to $25,000 for four years without any hassle of credit checks and with no hidden charges.

2. Print gender reveal invitations:

Once you have chosen your venue and the approximate number of people attending the party, you can start preparing for the big event by printing out gender reveal invitations. You can take these invitations and pass them to your family and friends, so they know what day they need to be there. Fast funds from Car Title Loan Toronto can get you enough cash to print out the correct number of invitations.

3. Arrange your merchandise:

If you plan to decorate your party venue, you can organize your merchandise by shopping around. That is because you need enough decorations to make the party a success! Do not forget to include posters, balloons, party favors and paper goods for your guests. It would help if you used a few shades of blue for the boys and pink for the girls. Taking our quick cash Car Title Loans can help you do that without any cash flow stress. Our interest rates are low and so are our monthly repayments. We do not run any credit checks, so apply even with a bad credit score today.

4. Hire a photographer:

To make the party even more special, you can hire a photographer to photograph the moment. You can ask them for good-looking pictures of the party venue and the guests. A nice album will be essential for sharing these memories with your family and friends once you return home. Taking our quick cash Car Title Loans Ontario will help pay for their services because it comes with no stress of credit checks or employment verification. Apply online today and get approved within an hour. 

5. Decide on the gender reveal cake:

The gender reveal cake is the one thing that people always look forward to. It is the centerpiece for the gender reveal party. You can work with your baker to choose the perfect cake for your party. Enough cash from Car Title Loan Toronto is the best way to set up the desired cake without money issues. Our interest rates are as low as 10%, and our monthly repayments are just $100. We do not bother with credit checks or employment verification, so applying for fast cash loans is the best way to get started on your gender reveal party today!

6. Find a balloon guy:

Having enough cash from Car Title Loans Toronto is important if you want to hire a party planner. You can take out cash loans against your vehicle as collateral to get your hands on $25,000 for four years. The amount you will get depends on the current market value of your vehicle and not your credit score.

Conclusion:

Apex Loans Canada is the best way to put your hands on immediate cash of up to $25,000. Our Car Title Loans Toronto term is up to 4 years and we have no prepayment penalties if you wish to pay off the loan early. We do not run any credit checks, so feel free to apply with a bad credit score today. To know more about our terms and conditions, contact us at tel:1-855-908-0908.

[mortgagedeliveryguy]

Mortgage Agents Jobs - Mortgage Delivery Guy

Interested in a career as a mortgage agent? Join the dynamic team at Mortgage Delivery Guy! We offer exciting opportunities for motivated individuals to excel in the mortgage industry. With our comprehensive training, supportive environment, and competitive compensation, you can build a successful career helping clients secure their dream homes.

[harrisbarbara2828]

Advice On How To Get A Renovation Loan For Your Project In Houston

Do you need a loan for a renovation project you have coming up? We must have thought of you. While many people find the process of applying for a remodeling loan to be tedious, we make it very simple in this post.

This article discusses the numerous loan requirements, different forms of renovation loans in Houston, and expert suggestions for a successful project if you didn't know you could receive a loan for your restoration work or believed it would be difficult to secure a loan.

A 203(K) FHA loan

The most well-liked and reasonably priced loans in the US are FHA 203(L) loans. And the reason for this is because they are supported by the government and have the most favourable qualification standards. You can refinance or purchase a primary residence using an FHA 203(k) loan, and you can add the whole cost of the modifications to your mortgage to pay for them over time.

Loans for Home Equity

You can borrow money based on the value of your property with a renovation home equity loan. Your equity house payment will need to be made separately if you already have a mortgage because it doesn't cancel off the previous loan. Applying for a home equity loan may make sense if you have accumulated a considerable amount of home equity or if you need to finance a significant one-time project. 

Individual Loan

A personal loan is yet another option to pay for your home remodeling. Using an unsecured home renovation loan has the benefit of not requiring security for the loan. They are also the easiest loans to obtain because of this. Despite having higher interest rates, personal loans can be repaid over durations of two to five years and have flexible rates (fixed and adjustable). in order to be eligible for an unsecured personal loan.

Employ Qualified Personnel

Your remodeling expense can easily balloon and spiral out of control without a proper plan. Working with experts is beneficial in this regard. At Smart Remodeling, we make an extra effort to develop a plan that works for your circumstances and make sure we stick to that plan throughout the remodeling process to get the desired outcomes. Additionally, we'll work with you to prevent unforeseen catastrophes and ensure that the project is completed successfully and under budget.

Select the Best Loan for You

Make important to search around and become familiar with the conditions of each loan before applying for any home renovation loan. You shouldn't take out a loan that will take you a lifetime to pay back or, worse yet, one that you're likely to fail on. Should you refinance your mortgage or combine your savings with your remodeling loan, or would you want to cash them out? Compare the many financing options and choose the one that best suits your needs.

Cove Security - Always here to get the door. All of our cameras include intercom features and mobile controls that enable you to sit back, watch, listen, greet friends, warn lurkers, or arrange to meet surprise visitors at a better time. Try one—or four—and see what a new level of connection feels like.

[chooseyourhomeloancalifornia]

Equity Out Of Your Home

When considering a cash-out refinance, where you refinance your existing mortgage for more than you currently owe and pocket the difference in cash, it’s important to weigh several factors to ensure it’s the right financial move for you. For more details visit https://chooseyourhomeloan.com/cash-out/

[gil-estel]

one side effect of House Viewing is that we're now actually seriously talking about finishing the basement (into an in-law suit that would become My Space)

[hazzabeeforlou]

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[auto-title-loans]

Unlock Cash: Borrow Up to $50,000 with Auto Title Loans in Langley!

Unlock cash quickly with Snap Car Cash! Our Auto Title Loans Langley lets you borrow up to $50,000 using your vehicle as collateral. Whether you need funds for an emergency, home improvement, or debt consolidation, we make the process fast and hassle-free. With flexible repayment terms and no credit checks, you can get the cash you need without the stress. Just fill out our simple application, and our friendly team will assist you every step of the way. Don’t wait—unlock your car's value today and get the cash you deserve with Snap Car Cash!

[loewengroupmortgages]

Tips and Tricks for a Smooth Mortgage Renewal Process

Renewing your mortgage involves reassessing your loan terms as your current mortgage term ends. This process allows you to secure a new interest rate, adjust your payment plan, or explore different lenders. It's crucial to start early, review your financial situation, and compare offers to ensure you get the best deal. Consider negotiating terms and be aware of any potential penalties or fees associated with breaking your current mortgage. A well-planned renewal strategy can help you save money and align your mortgage with your current financial goals.