Warm & Toasty Outdoors with Patio Heaters

Written by Nicholas Webb

By: Nicholas Webb

Learn how to enjoy outdoor living all year long. Your friends and family will love this!

The Heat is On with Patio Heaters

Any outdoor lover will tell you thatrepparttar right patio heater will allow you to extend your love ofrepparttar 100114 open-air life all year round. A 15-20 foot circle of heat can easily increaserepparttar 100115 outside temperature by 10-25 degrees Fahrenheit and that makes allrepparttar 100116 difference between having to stay inside and eating out. As with most patio equipment,repparttar 100117 choice ofrepparttar 100118 right heater for your needs isn't always such an immediate process. First thing to know is whether you really need or want one. Some factors to consider are your lifestyle. How often do you eat or entertain outside? What isrepparttar 100119 weather predominantly like?

Now a few words concerning your budget.

How much are you willing to spend for a patio heater?

Prices for free standing models generally start at around $200-$250 and can go up to and overrepparttar 100120 $1000 mark. For normal domestic use, most sources indicate a $300-$400 model as being perfect.

The more expensive models are generally intended for commercial use. The newer, better-made patio heaters offer a selection of safety features and temperature controls. They will allow you to entertain inrepparttar 100121 early spring evenings. Just take a family breakfast set outside, or simply have a barbecue anytime you feel like it.

What is second mortgage?

Written by Ajay Pats

What is a second mortgage?

A second mortgage is a loan that is secured byrepparttar home itself, and subordinate torepparttar 100113 first mortgage. Any mortgage taken out against a home in addition to an already established mortgage automatically becomes a second mortgage.

Asrepparttar 100114 name implies, second mortgages are secondary to first mortgages. This means ifrepparttar 100115 homeowner is forced into foreclosure,repparttar 100116 second mortgage holder will receive no proceeds fromrepparttar 100117 sale ofrepparttar 100118 home untilrepparttar 100119 first mortgage has been completely repaid.

Characteristics of a typical second mortgage: Sincerepparttar 100120 lender's risk is higher, second mortgage loans carry a higher interest rate than first mortgage loans. Second mortgages are typically shorter in duration (usually 15 years or less). A second mortgage may require a "balloon" payment atrepparttar 100121 end ofrepparttar 100122 repayment period. This one is a biggie:repparttar 100123 interest paid on a second mortgage is tax deductible in most circumstances!

Primary types of second mortgages:

Home equity loan - This isrepparttar 100124 traditional type of second mortgage. There is a one-time disbursement ofrepparttar 100125 loan funds (in a single check) followed by a period of regular monthly payments and a fixed interest rate.

Home equity loans are often used to consolidate debts, remodelrepparttar 100126 home, fund a college education, purchase a big ticket item such as an RV, or most anything that requires a large amount of cash. Line of credit - This type of second mortgage is very different from a home equity loan. With a line of credit, you don't receive a large check forrepparttar 100127 full amount up front. You may never even borrow any actual money from it at all!

The interest and payment on a line of credit second mortgage can and does change periodically. The interest is typically tied torepparttar 100128 prime rate. The actual interest rate will berepparttar 100129 prime rate + a certain number of percentage points.

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