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KUALA LUMPUR Cheap Keith Hernandez Jersey , Dec. 30 (Xinhua) -- A vessel with eight Chinese tourists on Tuesday was stranded in Malaysia's Sabah waters after losing power on its way back from the Mantanani Islands to Kota Kinabalu, the state's capital.


According to the Chinese Consulate in Kuching, there were eight Chinese tourists on the vessel, including three children, with one or two crew members. Sabah's police had received the signal of the boat and were on their way to rescue the tourists.


A friend of a tourist onboard the vessel told Xinhua that the name of the boat is Times World, and it lost power on its way back.


"We contacted the maritime police at 4 p.m. local time Jay Bruce Mets Jersey , who said that the vessel's captain had already reported to the police, " he added.


However, it was dark and the weather was not very good, which hindered the search and rescue efforts from the police, an official from the Chinese Consulate in Kuching told Xinhua.


The Chinese Consulate has urged the Sabah police to intensify their search and rescue operations.

Home > Stay at Home DadsCan A 125% Home Equity Loan Really Help You?

Posted by nick_niesen in Home on October 29th, 2010


Lenders are making the market for new loans sound so good. Other types of loans are already on the market Yoenis Cespedes Mets Jersey , and understood. So, how do you get new people to jump on your bandwagon? You offer something that sounds good, but one that not everybody yet understands. That seems to be the case of the 125% home equity loan, too.


The Promise


The promise that is made is to give you 125% of the value of your house for a second mortgage. This way you can enjoy having extra finances to use as you please. You can pay off other debt, fix up the house, combine both mortgages Jacob deGrom Mets Jersey , go on a vacation, or whatever. The choice is up to you.


What, though, is the truth behind a 125% mortgage? Here are some details. Some of these companies actually want to lend you more money than your house is actually worth. Think about it. Are they really trying to help? With other lenders, it can actually be a little difficult to get 80% of the value of a house (they are the smart ones). Why are these agencies trying to push extra money in your face?


Extra Charges


A number of these companies charge 10% if you want to get a lower rate of interest than what is initially offered. That's just for starters. While they do offer lower rates than what credit cards usually go for, it actually may not be much more Noah Syndergaard Mets Jersey , since second mortgages are typically more than a first mortgage. Plus, there is an origination fee, closing costs, and more.


Stay Where You Are


With the extra charges, and owing considerably more than your house is worth, you can plan on not moving anytime soon. This puts you in a negative equity situation. Many people who bought houses even last year are finding out that this is not a good situation to be in. It is possible Michael Conforto Mets Jersey , in a day of unstable housing markets, that your house could also be devalued 聳 making it even harder, if not impossible to sell 聳 for years more. It could also mean going into greater debt.


It will also take you a few years just to recover from the various expenses of the mortgage - let alone bring your debt down to where you can make any profit on selling the house. And getting the downpayment for a new house while you owe so much - don't even go there - it will only be in your dreams.


An even greater problem may occur if you have an adjustable rate mortgage. Sooner or later, there is going to be a rate increase, and it could be as much as 50% higher than it is now.


Compare


If you still want to consider a 125% mortgage, then be sure to compare one company's product with another. You will be able to see the features that really stand out Adrian Gonzalez Mets Jersey , and be able to see what features you may need, or want. Be wary of mortgages that promise no fees, because you can be sure that it has been added in there somewhere - and probably more things, too.


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