A Home Owner Loan is great if you want to raise a large amount; are having problems getting an unsecured loan; or have a poor credit history – you may be able to get a Home Owner Loan even when you have been turned down for an unsecured loan.

A Home Owner Loan can help you with:

Home improvements such as a new kitchen or bathroom

That once-in-a-lifetime holiday

Your dream car or boat

Repaying credit card

Repaying Debt

Debt Consolidation

A Home Owner Loan is a cheap, low cost, loan secured on your home. It frees up equity in your home for you to use on whatever you want.

Home Owner Loan rates are variable, depending on status. Your monthly repayments will depend on amount borrowed and term.

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You only buy items that you know you will use yourself, personally. You are not buying for resale. You are buying a two-year supply of things you know you will use, for sure. Toilet paper is one of them. (Make sure you try brand out, to see that you will like it.) Smart and Final has many things in bulk. Compare prices at Costco, Smart and Final, 99-cent store, and if you can find distributor that 99-cent store buys from in Downtown LA, you will really be buying cheap.

First step. Make a list of everything you buy on a regular bases. List non-food items, bathroom items and dry or canned food items. Do not buy food rats can get into. Grains must be in steel drum with bags. You will be shocked at how much 20 lbs of rice will cost you compared to a one pound bag, about a quarter of cost or less. Do not buy clothing, because of change of styles and weight. You can buy men’s socks and underclothing when you see a real close out at 80% off. Men wear same style all their lives and their weight tends to be constant. Do not do this for children or woman. Things change too fast.

Second step. Price shop so you will know what are good prices and bad prices. Do not buy yet, just price shop.

Third Step. Decide how much inventory you want to have, how much money do you have to spend and how long it will take you to use it all up. Where are you going to put it so that it will be safe and dry? Not a public storage place, please. The rent will eat up your volume buying profits, real fast.

Fourth Step. Look for close outs so you can buy cheaper than best price you planned on and then have fun buying.

Hidden Bonus: There are also non-profit advantages to this program that you should be aware of. In case of an economic depression you have food. That means if you loose your job, you still eat. Your unemployment check can then go towards rent, gas in car, car payments, and fresh food. You will already have most of toilet items and other things you will need, until you get a job.

In case of a natural disaster or a teamster strike you will have your well-stocked private supermarket with those needed items. The IRS closed down Howard Ruff, a newsletter writer in 1970’s. They attached all of his bank accounts, and locked front door of his store. Howard had 12 children, no income and no money in his pocket. He did have big food storage, which fed his family while he took a month to decide what his next move was going to be. He was able to think his problem out without panicking because his family was fed, and he could postpone his mortgage, utilities and other bills for a few months, before he had big troubles.

So be smart. Invest in a food storage program. Only buy what you will use, and do use. Buy in quantities that you will use up in 2 years. Do not buy a 5-year supply of anything. Shop for best price, and then wait for a better deal than that. Then you have made a safe and profitable investment, while at same protecting your family from emergencies.