FINANCE & STOCK ADVICE: HOME EQUITY LOAN

Home Equity Loan

A home equity loan is simple , here we take out a second mortgage on our house, borrowing money against the value of your house that you do not still owe money on. For example, if you have paid of 30% of your loan principle, you could take out a Home Equity loan on that 30%, up to the maximum value of your home, using the home as collateral against repayment of your loan. The market value of your home is used to determine how much this amount is and can vary dramatically depending on where you live, the state of your home, and the perceived market status when you apply for your loan. If you fail to repay your loan, you home will be forfeit to the bank as a means to recuperate their losses.

Fixed and Adjustable Rate Loan

This refers to the rate at which your loan is set. When a rate is fixed, the interest rate you are quoted on your application will never change - if you can get a fixed rate loan when the market is down, you can save a large amount of money. On the other hand, if you get an adjustable loan and the market booms, the rates on your home could skyrocket as a result.

Hybrid Loan

This type of loan will combine both the fixed and adjustable aspects of a regular loan. You will receive a fixed rate to start with and your monthly payments will not change at all. After a period of time passes, often known as your adjustment period, the loan will change to start fluctuating with market rates, making your payment change in time.

Secured and Unsecured Loan

These loan types refer to whether or not you need to provide collateral to obtain your loan. In the case of a secured loan, you can usually overcome bad credit or other circumstances by putting up your home as collateral against the borrowed amount. An unsecured loan will often have a higher rate as a result and different repayment terms.

MULTI BAGGER STOCK GROUP

Some of my group's multi bagger picks during the rally were NMDC , MMTC , STC , Larsen ,Jindal Steel & Power , Unitech , BF Utilities , Jai Corporation , Walchand Nagar Industries, RNRL , Reliance Infra (Reliance Energy) etc.

I had been long associated with a corporate engaged in financial services , where with the assistance of specialized tools along with my special analysis as per some historical accepted theories of stock market like W. D. GANN's Theory , Elliot Wave Theory and others are used with reliable insider information of so called " operators" who play a major role to make a stock ,a Multi Bagger ,I do make my gem picks in this market.

I had been running my group , where the associated people get the reliable and most beneficial to get the unexpected return as seen in the above mentioned tips. Say for example the stock called MMTC had jumped from 2000 level to 56000 per share of historical price where the capital appreciated by 28 times in very short period with 2700% return on capital employed. Likewise in RNRL we started accumulating at RS 25 level from where we saw it moving at 250 level giving 10 times with 900% return.

These sort of return is helpful as ,

1. Handsome gain will make a jack to our capital.

2. Limited stocks trade , as daily trade could be avoided , which is more risky.

3. Long term capital gain , so no tax liability.

4. Whole income in white, which could be further deposited into fixed deposit to get assured monthly income later.

5. Strong income tax file without paying any taxes.

Our role here could be summarized as :

1. Giving tips to all registered member at proper time , when the stock is just about to take off, neither too early not too late.

2. Make sure investor do not gt stuck into it.

3. Recommend to exit when the operator is about to leave it.which is the most important work or else the whole accumulated and deemed profit will be washed away along with part of investment and will remain stuck for long - long period.


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HOME EQUITY LOAN