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A home equity loan is one of the most used and applied for loans around, you need to make sure that you know all the facts, it is mainly when the value of the home is borrowed by the owner from a lending institution. This value is in fact the amount which has already been paid off on the mortgage. Home owners may borrow this amount for home renovations or for any other reason.

Home owners look upon this loan as their access to ready cash when they need it and banks and money lenders like these loans as they can make huge profits from them from the interest and loan charges. Home owners should just be aware of the fact that these loans cost them a lot of money in interest. The interest rates and loan charges are quite high making these loans expensive for the borrower.

Before finally deciding on taking a loan it is a good idea to check the various banks and money lending agencies charges so that a comparison can be made. Get the best deal possible so that you do not pay too much for the loan.

This loan is easy to qualify for as it is secured against the home and the lender will just do a credit check and check the monthly expenditure and income of the potential borrower. It he is satisfied that you can pay off the loan every month you will qualify to get the money.

The money can be used for anything you need it for. The most common use of this loan is for home renovations. Periodically the home requires to be painted or carpets replaced or the kitchen remodeled, what ever it is the loan will come in handy to pay the costs.
Maybe the family home needs a swimming pool to keep the children occupied in the summer, it does not matter what it is that you want to do, you can borrow the equity of your home to accomplish your dreams.

You might have an unexpected large bill that has to be paid without delay. The loan will pay for this expense. Your child could be ready for college and school fees and books have to be paid before the beginning of the semester. The equity loan would be a good way of paying all the bills and getting your child started at college.

The author writes informative articles on a range of subjects including Home Equity Loans http://www.homeequityloanlist.com

Anyone who has been flipping though the channels has seen the Barrett Jackson auctions on The Speed Channel and the insane prices muscle cars bring. Do you have a hunkering for a tire burning, fuel guzzling muscle car? Here is how to go about it.

I classify muscle cars into three categories... Restored, Resto-Mod and Survivors. All three have their advantages and disadvantages, but all three are true muscle cars. Your budget and skills will dictate what category you build your muscle car.

The restored muscle car is one that has been totally ripped down to the frame and rebuilt with NOS (new old stock) parts and refurbished original parts. This method of restoration is the most expensive, but often results in a better than new vehicle. Some cars can be over restored. When muscle cars left the factory back in the 1960's they were never perfect. The build quality was nothing like it is today on modern cars. During a full restoration often times the body panel fit, paint work and details are finished to a level never dreamed of from the factory. If you are interested in building a fully restored muscle car you can brush up on your restoration skills, or pay someone to do it. Be warned, if you pay a professional, you will almost never get your money back when it's time to sell. If you do the work yourself and view your time spent as a hobby and recreation, you will make money if and when you sell it. If you are not interested in doing the work yourself, consider buying a car already done, as mentioned before, you can buy it for less than the expense to have one restored. Search Ebay, local magazines and online sites like classicjunkyard.com for some hot deals.

It used to be that modified muscle cars would never bring big money at auctions and were thought to be impure. In recent years at auctions this way of thinking has been turned upside down. Resto-Mod cars are cars that have been restored and modified to make them better than the factory product. The owner may have added an aftermarket exhaust, carburetor, or even put a more modern engine in the car. Creature comforts like a cool stereo or air conditioning may be added, even if it was never an option from the factory. A resto-mod muscle car can be the most fun to build and one of the cheaper ways to get into the hobby. You get the personal satisfaction of building the car the way you want without the expense of a full restoration. Matching numbers are not critical in a resto-mod car, so you can avoid hunting down those NOS parts at the swap meets.

The last category of muscle cars, is the survivor car. A survivor is just what the name implies; it's an original car, which has survived the years in its mostly original states. Hoses, belts and tires may have been changed, but the rest of the car is largely original as it came from the factory. The paint may be a little faded or chipped, but it's still all one color and looks good from 10 feet away. Many survivor cars serve as a library of information for people restoring their cars. If you own a true survivor, plan on having your car photographed and inspected by restorers, so they can get their restoration as close to factory original as possible. Survivor cars are rare, but they can still be found and many times at a reasonable price since the owner sometimes believes that the car is not worth a mint since it's not fully restored. If you are short on skills and don't have the money, a survivor car can be a great way to get into a muscle car. You can maintain the vehicle, drive it, and enjoy it for a minimal investment. If you later get the skills and or money, you can then take it to the next level and turn it into a resto-mod or full restoration.

No matter what kind of muscle car you buy or build, enjoy it! It's a great investment if done right, and will provide tons of smiles from you and everyone who sees you cruising down the street.

Kevin Schappell writes for http://www.Speedshoppers.com an online price comparison search engine and community forum for hot car parts deals. Start your online shopping at http://www.Speedshoppers.com and start saving money on your first hot deal!