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You will need to weigh the pro's and con's on this one, if you have not already done so. Take into consideration that a Bridge Loan will have 2-3,000.00 of closing costs associated with it, you will have a interest only payments after 6 months, so that is a additional payment ontop of your other debit.

But, Bridge Loans have saved the day for home buyers in a pinch, but people looking for a «bridge loan to span the gap between the sale of an old home and the purchase of a new one should ask if the cost is worth it. Or if you could take out a HELOC (Home Equity Line of Credit) on your present home, and put that money down on your new home. The closing costs on a HELOC is much lower than on a Bridge Loan. Bridge Loans costs run between 2-3,000 depending on the amount of the loan.



Most Experts say people would be better off staying put until they've unloaded their first residence. If that's impossible, they warn, be prepared to shoulder a heavy burden.

»There are many sad stories about homeowners who took bridge loans, and our best advice would be, 'Don't do it,' " says Richard Roll, president of the American Homeowners Association in Stamford, Conn. «You can find yourself in a totally untenable position, and you can lose your first house.»

Terms can vary widely



A tool used by movers in a bind, bridge loans vary widely in their terms, costs and conditions. Some are structured so they completely pay off the old home's first mortgage at the bridge loan's closing, while others pile the new debt on top of the old. Borrowers also may encounter loans that deal differently with interest. Some carry monthly payments, while others require either up-front or end-of-the-term lump-sum interest payments.

Most share a handful of general characteristics though. They usually run for six month terms and are secured by the borrower's old home. A lender also seldom extends a bridge loan unless the borrower agrees to finance the new home's mortgage with the same institution. As for rates, they accrue interest at anywhere from the prime rate to prime plus 2 percent.

For example, One Bridge loan would total $70,000 on a customer's old $100,000 home with $50,000 in mortgage debt outstanding, Of that, $50,000 would go toward the old house's lien and a few thousand would cover the bridge loan's closing costs, origination charges and fees, leaving the customer with about $16,000 for the new home's down payment, closing costs and fees.

This example helps to show how the high fees associated with bridge loans can cause problems. A person for example, would end up paying between $2,000 and $3,000 for closing on the bridge loan, 1.5 percent to 2 percent of its value for an origination fee, and another couple thousand dollars for closing on the new home's mortgage.

What if the sale goes sour?



Real estate market risks can exacerbate the danger. For example, some lenders are usually willing to extend bridge loans slightly beyond the standard six months. But what happens to a homeowner who gets the financing and extension, so the old home's buyer can have a little more time, only to see the transaction fall through?

«Let's say they need some of that money to buy their new house, so it's predicated on selling their old house. „What happens if they don't sell that house, or if the buyer doesn't get financing?“ In such a case, the lender could go as far as to foreclose on the old property after the bridge loan extensions expired, or a customer could deed the property to the bank, which would sell it and apply the proceeds toward paying off the loan.

Consider other options



For those trying to stay away from bridge financing, borrowing against a 401(k) plan or taking out loans secured by stocks, bonds or other assets are options. Some lenders also offer hybrid mortgage products that behave similarly to bridge loans.

Total debt climbs



Whether a homeowner takes a bridge loan or a hybrid stand-in, or a HELOC however, a significant amount of new debt will end up being added to the pile.

But even though they aren't the best deal, bridge loans or other short-term mortgage financing products may be necessary when home buyers land in tight spots, lenders say. There will always be people relocating for work without much advance notice, trying to keep others from beating them to the punch on a property, or needing help with the expensive up-front costs of buying a new home before their old one sells.

»It's a way for the customer to get into that home without having to go through all the gyrations of trying to get cash for a down payment,"

Bridge loans nevertheless remain relatively obscure in a lending landscape dominated by more widely publicized home equity loans and lines of credit.

Types Of Lenders: Bridge Loans may be given by Funding Companies, Traditional Banks, or Commercial Bank and Credit Companies.



Recap:



Typically a bridge loan is structured as a one year loan. The bridge loan pays off the buyers first house with the remaining funds, minus closing costs and six months of interest, going toward the down payment for the new house.

If after six months the first house has not sold, the buyer will begin making interest-only payments on the bridge loan. When the first house sells, the bridge loan is paid-off. If the old house sells within the first six months, any unearned interest payments will be credited to the buyer.

This is the typical bridge loan scenario for most buyers. In some cases a buyer may qualify for a bridge loan that simply adds the cost of their new house to their current debt.

A bridge loan can help you make a competitive offer on a property even though your first house has yet to sell.

Hope this information Helped.

https://answers.yahoo.com/question/index?qid=20070714201451AALcKvW

In a difficult economy, many families are finding that moving in with relatives to be the best way to stay on their feet. Moving into someone else's home means finding ways to store items. There are many self-storage options, but knowing how to pack for storage can be a trick.



xactive / iStock

Boxes versus bins

Knowing how long items will be stored helps in determining how to pack for storage. This also helps to decide where to store items, whether finding on-site storage options or whether to rent a self-storage facility.

If packing for a year or so, boxes work well, and they can be free when picked up from a local store. This is also a great green moving idea, since boxes can be either repurposed or recycled, after they are reused for storage. Stopping at a grocery store after a weekly shipment can be best. Checking with a produce manager at a grocery store brings the benefit of knowing when the most boxes will be available and the manager may be willing to set sturdy boxes aside.

If packing for very long-term, such as more than a year, plastic bins are really the only option.



Long-term storage brings exposure to elements; even in climate-controlled self-storage, it's good to be cautious. Plastic bins are available in many sizes from retailers like Target and Walmart. Translucent bins are best, to show contents at a glance. Plastic bins can also be a good green moving idea, as they are easily reused after unpacking. Stackable bins offer the most-flexible, post-storage options.

Retain value

When packing items for storage, it's important to consider their value. Items with higher value tend to be heirlooms or electronic items like TVs and accessories, as well as sound systems. Water or moisture can render these items useless.

To keep boxed items drier, desiccants are the best option. Desiccants, like DampRid or Dri-Z-Air, can be found at home stores and hardware stores, like Home Depot. A rechargeable option is a DRI-BOX.

Keeping moisture out of valuable items will help prevent corrosion and mildew. It will keep stamps and envelopes from becoming gummy or stuck to themselves and photographs from being ruined.

Packing fragile items and heirlooms appropriately can help retain value by protecting them during transportation and storage. See the attached video for how to pack dishes for a move.

Back to front

Packing less-likely-to-be-used items in the back of a closet or storage facility and keeping items such as school supplies or seasonal clothing in the front is more efficient. Packing back to front in this way helps ensure that items will actually be used when needed, instead of repurchased or ignored.

Donate or sell

At the end of the day, most household items are just «stuff». Though it can be difficult to detach oneself from an item's source, whether it was a gift or made specially, it is important when packing for storage to first cull as many items as possible.

Packing, moving, storage and unpacking can be fairly costly and time-consuming. Being realistic about what items can be left behind, donated or sold can mean the difference between strained relationships and breaking the budget.

Select moving supplies

Most home stores, and certainly moving companies, offer moving supplies. Home Depot has an entire line of moving supplies, including hand trucks, boxes and stretch film.

Self-storage companies, like Jack Rabbit, also offer moving supplies.

More green moving ideas

When packing items for long-term storage, renting green moving boxes isn't really an option. If using cardboard is acceptable, but snagging free grocery boxes doesn't work, purchasing used cardboard boxes can be a perfect solution.

Items like bio-degradable packing peanuts and newspaper or plain packing paper, which can be recycled or reused are also a decent option.

When using a self-move or hired moving company, boxes are usually free. Unused or lightly-used boxes can be returned for re-use. Moving.com has a moving calculator to help avoid over-purchasing and wasting many supplies.

Enjoy this article? Receive email alerts when new articles are available by clicking on «Subscribe», above. Follow Sarah DeLaney's Green Living Journey blog or, on Facebook, «like» Green Living Journey for updates and Green Living info.

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South Africa's 17th Poetry Africa international poetry festival — an annual highlight on the Durban and KwaZulu-Natal literary calendar — starts in the Indian Ocean city on October 14 and will run through to October 19.

For the most part the festival — which serves as a critical platform for self-expression and cultural exchange in the city of Durban — focuses on the work of African poets; local, across Africa and in the diaspora. Having said this, the United States is well represented, as are India and Ireland.



For poetry lovers — especially those into cutting-edge poetry and poetry as a performance art, the Poetry Africa festival is a perfect «happening» to link to when considering a vacation in South Africa.

Come to the city during Poetry Africa to get culture and action. Explore the city and the province of KwaZulu-Natal and get your fix of African wildlife from this creative launching pad. This year's event brings together poets and musicians from India, Benin, Nigeria, Ireland, Italy, Canada and the US as well as South Africa.

The festival's 2013 line-up features a ground-breaking poetry project — a 12 track recorded album entitled Insurrections — featuring poets and ethnomusicologists from India and South Africa.



The project sees the rich sounds of the Indian music tradition blend with African instruments accompanying radical poetry from both continents. The Insurrections ensemble will perform on Thursday, 17 October.

Music and Poetry



Keeping with the musical theme of this year's edition, the festival will feature five poets who also work as recording musicians.



Kabomo Vilakazi is a singer, songwriter and actor who also features in South African poetry circles.

Kalawi Jazmee artist Busiswa Gqulu returns to Poetry Africa in the middle of her impressive reign on the music charts of Africa. She first graced the Poetry Africa stage as part of the all-women poetry collective Basadzi Voices in 2008 and has also performed solo in 2010.

South African poet Natalia Molebatsi is also a writer, facilitator and program director who recently founded a South African-Italian music project with the band Soul Making. Her poetry is published in the books We Are. (2008) and Sardo Dance (2009).

Durban-born poet, performer and MC (Ashleigh La Foy) is well-known on Durban stages for both her poetry and music. Well known as a rapper, she will share her poetry with Durban audiences ahead of her anticipated debut album.

Hailing from the Eastern Cape, Pura Lavisa is a writer, performer and poet whose musical arrangements incorporate percussion and African sounds. Lavisa will be presenting a collection of poems mostly in isiXhosa.

Black Consciousness

Returning to the Poetry Africa stage, respected Soweto-born dub-poet and writer, Lesego Rampolokeng, will deliver an infectious brand of poetry influenced by Black Consciousness and rooted in the lived experience of people on the margins.

Also from Soweto, critically acclaimed Khulile Nxumalo was twice named the recipient of the DALRO prize for poetry.

Nigerian-born poet Kole Odutola will be reading his latest work at the festival. Odutola teaches at the Department of Languages, Literatures and Cultures at the University of Florida in the US and has published extensively both in academia and literature.

Another participant with a background in teaching languages is Kobus Moolman, based at the University of KwaZulu-Natal. Moolman's latest collection Left Over is currently enjoying rave reviews in the press and his performance will allow an eager Durban audience a chance to celebrate his vast canon of works.

Slam Poet

Johannesburg-based performance and slam poet Mandi Poefficient Vundla forms part of the Word n Sound collective and is featured on the online and print publications of Poetry Potion. Crowned «Queen of the Word and Sound Mic» in 2012, she has graced numerous poetry stages including Arts Alive and Jozi Book Fair.

Another young female voice featured in the line-up is Sanelisiwe Ntuli, a wordsmith from Hammersdale who writes and performs in isiZulu. Ntuli is a graduate of the Kwesukela Storytelling Academy and regularly features as a storyteller and voice artist on educational programmes of Ukhozi FM.

Also writing in isiZulu is Professor Langalibalele F. Mathenjwa is holding a Doctor of Literature and Philosophy from UNISA. He is a published writer of isiZulu poetry, novels, short stories and folklore and has chair Usiba Writers Guild, South African Geographical Names Council, IsiZulu National Language Body and the United Nations Group of Experts on Geographical Names-Africa South Division.

Irish Poetry Collective

Four poets from the Irish poetry collective O'Bheal will present their work at the festival. This contingent consists of Paul Casey, Afric McGinchey, Billy Ramsel and American-born Raven.

Completing the international line-up will be Ian Kamau (Canada), Barnabe Laye (Benin) and Raphael d'Abdon (Italy/South Africa).

Kamau is a writer, visual artist, hip hop and spoken word artist from Toronto, whose discography lists five collections, including the popular album One Day Soon (2011). He will be presenting additional workshops in advance of the festival.

A poet and novelist, Laye has published a dozen books and is the recipient of the Nelligan Prize his lifetimes work. His most recent work is entitled Poems in Absent, a long wait (2010).

D'Abdon is an Italian scholar, writer, editor and translator and a post-doctoral fellow in the English Studies Department at UNISA. As an editor, D'Abdon recently published Marikana — A Moment in Time, as well as an anthology of poetry about the massacre and his own collection, Sunnyside Nightwalk.

Community Outreach

The festival's community outreach program will see poets visit more than 20 community centers, campuses and tertiary education departments in and around Durban. In addition, participating poets will visit 20 schools to discuss reading, writing and the performance aspects of poetry.

Visit the website for more details about this year's Poetry Africa.

Organised by the Centre for Creative Arts (University of KwaZulu-Natal), the 17th Poetry Africa is funded by the City of Durban and the KwaZulu-Natal Department of Arts and Culture.

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