It is that time of year when you party to the fullest. You get invitations and you invite your friends and family for a house party too. So have you planned anything for your upcoming party as yet? If not then you need to plan your party well on time and avoid the last minute rush. When it is about a house party keeping the mood casual and relaxed would be best. So it would be a great idea if you arrange for a barbeque party.
What are your choices?
When you are planning a BBQ party for your guests you need the food to be absolutely perfect. If it is a large party then going for a professional BBQ catering service would be advisable. It would not only take away a chunk of your responsibility but also save time for you to enjoy with your friends and entertain them. When you hire a professional catering service you would be delighted to see the types of food that you can choose and these companies also offer personalized services for their clients. Grilled, roasted and barbequed food will be served with fine culinary specialty. So you have a great table to present to your invitees. You can also order for delicious sandwiches burgers and sliders for the youngsters.
Wide variety of finger licking food
One of the most mouth watering facts about professional catering is that it offers you a whole range of food items that are just impossible to make at home. So when you are hiring a professional service for your BBQ food, you get to choose from a wide range of items that are prepared from fresh and healthy products. The catering companies also make sure that they keep the quality very high in order to make it hygienic and healthy. Strict processing is observed while making the food and they are prepared with prolific élan. So while you are choosing the food for your BBQ party ensure that you have a mix and match of all types of food on your table to entertain your guests. It would be so much fun to have the best food and for the right party mood.
You can even purchase great BBQ at Soulmans BBQ Online If you actually need to visit Soulmans in your area, check out these BBQ Food Locations or do a search for bbq near me
How to choose the best caterer?
If you are going for a BBQ theme for your event then you must keep some important point in mind before you finalise your caterer.
You must also go with the experienced professionals and avoid experimenting with the new event professionals.
Always check their official website to have a clear understanding of the services.
You should also check out feed back of each event caterer from their customer. This will help you to get a clear picture of the company.
At last but not the least do a little survey to get the best price.
A BBQ theme is an amazing idea for a very happening party. You guest will love the delicious taste and will remember the party for a very long time.
Soulman’s BBQ is the best destination for anybody who is looking for something tasty in their BBQ catering. They are known among their clients for their hygiene, eye-catchy presentation of food and variety of cuisines offered.
A reverse mortgage is one of many vehicles that individuals 62 years of age or older can use to turn the equity in their home into cash. It is very important, though, for an individual to fully understand reverse mortgages, their ramifications, and the alternatives. This article will provide an overview of reverse mortgages, as well as discuss alternatives.
What is a Reverse Mortgage? With a “normal” home loan you pay a monthly amount (principal and interest). With each month, the amount that you owe goes down and the equity in your home goes up. As one might expect from its name, a reverse mortgage works in an opposite fashion. With a reverse mortgage you can turn the equity in your home into cash. You do not have to make monthly payments. The cash may be paid to you in one or more of the following ways:
As a single lump sum payment
As a regular monthly amount (a cash advance)
As a credit line account that you draw upon as needed
With a reverse mortgage, the homeowner continues to own their home and receives cash in whatever way is preferable to them. As they receive cash, their loan amount goes up, and the equity in their home declines. A reverse mortgage cannot grow to more than the amount of the equity of the house. In addition, a lender cannot seek payment of the loan from anything other than the value of the house. Your other assets and the assets of your heirs are protected by what is called a “non-recourse limit.” A reverse mortgage, plus accrued interest, does eventually have to get paid back. Repayment of a reverse mortgage happens when the last owner of the property named on the loan either dies, sells the home, or permanently moves out of the home. Before then, nothing needs to be paid on the loan. For reverse mortgage companies in florida, I highly recommend Access Reverse Mortgage.
There are other circumstances in which reverse mortgage lenders can also require repayment of a loan prior to the above conditions. These include:
The borrower fails to pay their property taxes
The borrower fails to maintain and repair their home
The borrower fails to keep their home insured
There are also other default conditions that can cause repayment of the loan. Most of these are similar to default conditions for traditional mortgages (for example, declaration of bankruptcy, donation or abandonment of the home, perpetration of fraud or misrepresentation, and more). A reverse mortgage should not be confused with a home equity loan or home equity line, both of which are other means of obtaining money for the equity in your home. With either of these loan vehicles, an individual must pay at least monthly interest on the loan amount received, or amount that they have drawn on their equity line. Reverse Mortgage Eligibility All owners of a home must apply for the reverse mortgage and sign the appropriate loan papers. To qualify for a reverse mortgage the borrower(s) must:
Own their own home
Be at least 62 years of age or older
A reverse mortgage is most typically a “first” mortgage, meaning that there cannot be any other mortgages or loans against the property, such as an equity line. An individual typically owns their home “free and clear” prior to seeking a reverse mortgage. Reverse Mortgage Loan Amounts The amount of money that an individual may receive from a reverse mortgage is a function of many different factors, including:
The specific reverse mortgage program that the individual selects
The type of cash advances received (e.g., lump sum vs. monthly payment)
The individual’s age (the older an individual is, the more cash they get)
The value of the individual’s home (the more valuable the home, the more cash they get)
Types of Reverse MortgagesThere are several different types of reverse mortgages. Some are more expensive than others. Types of reverse mortgages include:
Reverse mortgages offered by state and local governments (often called “single purpose reverse mortgages”). These are typically the least expensive reverse mortgages. These may be the most restrictive on how the money received can be used.
Federally insured Home Equity Conversion Mortgages (HECM). These are almost always less expensive than other private sector reverse mortgages, but more expensive than reverse mortgages obtained from state and local governments.
Other private sector (proprietary) reverse mortgages.
Alternatives to Reverse MortgagesWhile usually an option that causes a negative emotional reaction, selling a home is an alternative to a reverse mortgage. The proceeds of the sale can be used to either rent, or purchase a smaller, more “age-friendly” home, while money leftover can be invested to provide additional income. This option should at least be considered and compared to a reverse mortgage so that an individual is making an informed decision. Reverse Mortgage Counseling Counseling is required in order to obtain certain types of reverse mortgages. Counseling is required before an individual can obtain a Federally-insured Home Equity Conversion Mortgages (HECMs). Even if counseling is not required for a particular reverse mortgage, individuals considering a reverse mortgage should seek either counseling or the advice of a qualified financial adviser. Good Sources of Information About Reverse Mortgages The American Association of Retired Persons (AARP) is an excellent resource for finding more information on reverse mortgages. Their web site (www.aarp.org) has extensive information on the subject. Information may also be found on the National Reverse Mortgage Lenders Association web site (www.reversemortgage.org), the HECM Resources site (www.hecmresources.org/index.cfm), the National Center for Home Equity Conversion web site (www.reverse.org), and the Federal Trade Commission (www.ftc.gov/bcp/conline/pubs/homes/rms.htm). Another wealth of information about florida reverse loan can be found on Access Reverse Mortgage.com