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However, it is important to spring clean your home loan every few years!

However, it is important to spring clean your home loan every few years!

We usually give our home a good spring clean once a year, purge old clothes, redecorate the house when you feel the need for change. But looking beyond the furniture and all the other pretties in your home, do you regularly review your home loan? Circumstances change over time, the loan that suited you when you first purchased your home may not be the best fit for you a couple of years down the track as banking products and packages evolve over time. It’s one of those things that is set up in the beginning then left and not thought about again.

When we purchased our current house 12 years ago, our circumstances were vastly different to today. We were on one income, had two 18 month olds with another one on the way, ooh I remember those days, so very long ago. While the loan suited our requirements at the time a lot has changed in those 12 years. We are now back to two incomes, the kids have grown up and now seem to cost a small fortune. The one thing that has not changed much in this time is our home loan, we reviewed it 8 years ago and made a small change, but have not reviewed it since until just recently. 8 years is far too long between reviews, perhaps we were too busy to think about it, or we’ve just been comfortable with what it was, but it should have been a priority, spring cleaning your home loan can:

  • save you money, with interest and charges
  • reduce your repayments
  • consolidate your debt
  • provide flexibility for the future

Continue to read further for my tips on reviewing your home loan, and things to think about. (more…)

Continue ReadingHowever, it is important to spring clean your home loan every few years!

If you are looking for something out-of-the-box, Kinecta specializes in convenient solutions to unconventional problems

If you are looking for something out-of-the-box, Kinecta specializes in convenient solutions to unconventional problems

Want to acquire your first (or second or third) investment property? We can help. Looking to tackle major residential reconstruction? We have a solution. Ready to purchase a vacation home? We’ve got you covered.

Construction to Permanent 1

Building or renovating a home in an established neighborhood? Our Construction-to-Permanent loan covers construction while you’re building, then converts to a fully-amortized mortgage when completed. We offer an up-front rate lock and only require a single appraisal to save you money.

  • Interest-only payments during the construction phase, up to 24 months
  • Loan amounts up to $4 million based on the home’s future appraised value
  • Available for owner-occupied and second homes
  • We apply a commonsense approach to underwriting

More than Single-Family Homes

Kinecta’s low rates, flexible financing options, and local underwriting are perfect for financing a condominium or townhouse. If you are contemplating a second or vacation home, let’s talk!

Non-Owner-Occupied Investment Property

Ready to take the plunge into investment properties or add to your current portfolio up to 4 units? Kinecta offers fixed rates at 80% combined loan-to-value (CLTV) or less. With a variety of flexible lending options, we can meet your financing needs.

Home Insurance 2

Your home or investment property is a big investment. Make sure it’s protected from natural disasters, accidents, and even normal wear-and-tear.

  • Single family home, condo, or townhouse
  • Second home or investment property
  • Earthquake and flood
  • Home warranty

For your convenience, we provide links to third-party sites. Please keep in mind that these websites may have different privacy policies. (more…)

Continue ReadingIf you are looking for something out-of-the-box, Kinecta specializes in convenient solutions to unconventional problems

Farmers discover a connection industrial. Match producers dating website pro.

Farmers discover a connection industrial. Match producers dating website pro.

Growers come across a connection business. Suit farmers dating website professional

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Continue ReadingFarmers discover a connection industrial. Match producers dating website pro.

ADDITIONAL FATS, OTHER FEMMES: A VITAL EXAMINATION OF FATPHOBIA AND FEMMEPHOBIA ON GRINDR

ADDITIONAL FATS, OTHER FEMMES: A VITAL EXAMINATION OF FATPHOBIA AND FEMMEPHOBIA ON GRINDR

Matthew Thomas Conte

ABSTRACT: “More oils, even more Femmes: an important study of Fatphobia and Femmephobia on Grindr” try an individual narrative concerning the liminalities of being vgl mobile site an excess fat and femme queer on Grindr, the greatest and most-widely put social network program tailored especially towards queer boys. The portion deconstructs the now-ubiquitous phenomenon in queer male communities, “no oils, no femmes,” and examines the intricate intersections and connections which exist between queerness, fatness, and femininity. The story radically examines the complicated dual marginalities that excess fat and femme queers must navigate whenever their bodies and identities become concurrently eroticized and discriminated over.

Dedication

This personal story is aimed at all queers who’ve had to understand to try out by a separate set of procedures on Grindr.

This personal narrative started whenever I was about 2 decades old. It was initially We installed Grindr, the biggest on line queer social networking (see: fucking) software tailored especially towards queer people. When I going engaging aided by the program, we immediately remember experience like I did not belong. My personal excess fat furry body existed amongst various stomach and rib cages and the make-up to my face noted my personal queer personality as girly, that was contrary to the profile information proclaiming “masculine men ONLY.” It actually was the very first time in my existence that I started initially to understand my queer muscles as fat and my personal queer character as femme. (more…)

Continue ReadingADDITIONAL FATS, OTHER FEMMES: A VITAL EXAMINATION OF FATPHOBIA AND FEMMEPHOBIA ON GRINDR