Como funciona a limpeza desinfetante na luta contra o Covid-19?
Há aquele velho ditado que diz que limpeza vem ao lado de piedade. A noção de que a raça humana tem uma obrigação moral de manter a nós mesmos, nossas casas e nossos espaços de trabalho limpos não poderia ter um sim mais retumbante do que no contexto atual de Covid-19.
Está certo. A palavra "C" tomou conta do mundo com máscaras, desinfetantes para as mãos e ordens domésticas se tornando a norma. Mas quanto sabemos sobre o processo de desinfetante de limpeza que pode ser aplicado em três fases diferentes; enquanto buscava paz de espírito geral e salvaguarda contra o Covid-19, onde houve um caso transitório do Covid-19 ou onde houve um caso confirmado do Covid-19?
Sendo uma empresa de limpeza profissional, nós a detalhamos. Aqui está o que você precisa saber sobre como funciona a limpeza desinfetante e não tente fazer isso em casa.
Existem três aspectos principais na limpeza desinfetante na luta contra o Covid-19.
O primeiro é o tipo de agentes de limpeza e desinfetantes que estão sendo usados. Certifique-se de consultar e confirmar se a empresa de limpeza que você contratou está usando produtos desinfetantes com o ingrediente ativo Cloreto de alquilbenzilldimetilamônio. Isso ajuda na luta contra o vírus Covid-19. Os produtos alvejantes também podem ser usados e devem conter o ingrediente ativo Hipoclorito de Sódio.
Agora vem o equipamento de proteção pessoal (EPI). A equipe de limpeza contratada para realizar a limpeza desinfetante passa por treinamento especializado. Isso inclui aprender a se vestir para a ocasião com o traje de EPI correto. Capa de cabelo, máscara facial, máscara N95, bata e luvas cirúrgicas e capa de sapato são itens indispensáveis quando se trata de usar o equipamento de EPI correto.
E então o verdadeiro trabalho começa. Se houver um caso confirmado de Covid-19, a empresa de limpeza deve primeiro fechar todas as áreas que o indivíduo confirmado de Covid-19 possa ter visitado ou ter entrado em contato. Isso é para limitar e impedir qualquer exposição adicional e se espalhar para outras pessoas inocentes.
O próximo passo é abrir as janelas, se houver alguma, para permitir a ventilação enquanto a equipe de limpeza estiver realizando a desinfecção.
A equipe de limpeza embaçará a área usando uma máquina de embaçamento especializada de Ultra-Baixo Volume (UVL). O produto químico desinfetante é liberado como uma névoa ou névoa dispersa e que cobre todos os cantos do local. Quando o local for supersaturado com o produto desinfetante disperso pelo método de nebulização como neblina ou neblina, aguarde 45 minutos a uma hora para que as gotas desinfetantes se depositem em todas as superfícies.
A equipe de limpeza passa a esfregar a área do piso com água sanitária e limpe todas as áreas tocadas com frequência, como trilhos de mão, maçanetas, apoios de braços, encostos de bancos, mesas, teclados e muito mais. O alvejante também pode ser usado para limpar paredes de até 3 metros de altura e persianas.
Após a limpeza completa do local, é igualmente importante descartar o material de limpeza da maneira correta. Todo o material de limpeza feito de pano e material absorvente, como cabeças de esfregona, panos de limpeza etc. deve ser descartado em um saco de risco biológico. A equipe de limpeza deve usar um novo par de luvas para prender e ensacar duas vezes a bolsa de risco biológico com uma abraçadeira antes de descartá-la adequadamente.
Estas são as etapas principais para a realização de um serviço de limpeza desinfetante profissional e completo, se você ou alguém que você conhece tiver contato com um caso transitório ou confirmado de Covid-19 e estiver procurando desinfetar o local. Dito isto, não custa nada realizar uma limpeza desinfetante única de sua casa ou escritório, se você está simplesmente procurando um pouco de tranqüilidade.
Sanitização
Saturday, July 18, 2020
Thursday, July 16, 2020
Happy Wheels
Happy Wheels
Happy Wheels is a video game involving various wheeled characters. From segway guy to wheelchair man, the characters are as funny as the game is bloody. It is available to players on many different platforms and has been a popular game with children and teens for years.
The gameplay is easy for any player to learn in a matter of minutes. First, the player picks a character from a host of sometimes ironic, sometimes hilarious, sometimes wholesome characters. Although none of these characters have names, they are all loved by the players and have all gotten 'names' based on characteristics. Most of these are self-explanatory. There is Wheelchair man, a man, you guessed it, who is stationed in a rocket-powered wheelchair. Segway Guy is a favorite of many players; a talented Segway-ist, he can even hop on the small vehicle. Irresponsible Dad is one of the few players to have more than one character on the bike, and while his small son is unnamed, the Dad is named such due to his frankly reckless protection of his son. The Effective Shopper is all set for any shopping trip-- she sits in a motorized wheelchair with a shopping cart basket attached. The moped couple sits lovingly on their moped together, although one of them is often thrown off during gameplay, they seem hilariously unaware of their future. Lawnmower man has a particularly vicious vehicle. When NPCs get in the way of this character, it is easy to brush them out of the way. Explorer guy has one of the most unique vehicles he rides in a minecart. Santa Clause is pulled by elves, which can sometimes be unfortunately bloody. Pogostick man has a pogo stick that he is skilled at hopping on. The Irresponsible Mom has not one, but two children that are subject to her hilariously poor parenting skills. Finally is helicopter man, the newest edition to the cast of characters.
Although each character may have some specific attributes that might be different than the rest of the characters, for the most part, they all have the same controls. On a keyboard, up is accelerate, down is reverse. Right is tilt forward, left is tilt backward. Space is hop or jump if the character can.
Now, for the map. Each map has different obstacles, but all maps have the possibility of causing bodily harm to the characters in hilariously grotesque ways. Although this game is not for the faint of heart, for the more callous of players, this is a perfect game. There are axes, grinders, big drops and explosions. The goal is to make it to the finish line at the end of the map without fatally harming your character.
Happy Wheels is definitely not for everyone. If you don't like blood or the cracking of necks, maybe take a rain check on this one, but if you find the grotesque more hilarious than revolting, though this darkly funny game is for you.
happy wheels game
Happy Wheels is a video game involving various wheeled characters. From segway guy to wheelchair man, the characters are as funny as the game is bloody. It is available to players on many different platforms and has been a popular game with children and teens for years.
The gameplay is easy for any player to learn in a matter of minutes. First, the player picks a character from a host of sometimes ironic, sometimes hilarious, sometimes wholesome characters. Although none of these characters have names, they are all loved by the players and have all gotten 'names' based on characteristics. Most of these are self-explanatory. There is Wheelchair man, a man, you guessed it, who is stationed in a rocket-powered wheelchair. Segway Guy is a favorite of many players; a talented Segway-ist, he can even hop on the small vehicle. Irresponsible Dad is one of the few players to have more than one character on the bike, and while his small son is unnamed, the Dad is named such due to his frankly reckless protection of his son. The Effective Shopper is all set for any shopping trip-- she sits in a motorized wheelchair with a shopping cart basket attached. The moped couple sits lovingly on their moped together, although one of them is often thrown off during gameplay, they seem hilariously unaware of their future. Lawnmower man has a particularly vicious vehicle. When NPCs get in the way of this character, it is easy to brush them out of the way. Explorer guy has one of the most unique vehicles he rides in a minecart. Santa Clause is pulled by elves, which can sometimes be unfortunately bloody. Pogostick man has a pogo stick that he is skilled at hopping on. The Irresponsible Mom has not one, but two children that are subject to her hilariously poor parenting skills. Finally is helicopter man, the newest edition to the cast of characters.
Although each character may have some specific attributes that might be different than the rest of the characters, for the most part, they all have the same controls. On a keyboard, up is accelerate, down is reverse. Right is tilt forward, left is tilt backward. Space is hop or jump if the character can.
Now, for the map. Each map has different obstacles, but all maps have the possibility of causing bodily harm to the characters in hilariously grotesque ways. Although this game is not for the faint of heart, for the more callous of players, this is a perfect game. There are axes, grinders, big drops and explosions. The goal is to make it to the finish line at the end of the map without fatally harming your character.
Happy Wheels is definitely not for everyone. If you don't like blood or the cracking of necks, maybe take a rain check on this one, but if you find the grotesque more hilarious than revolting, though this darkly funny game is for you.
happy wheels game
Wednesday, July 8, 2020
Big chief carts
Buy Lions Breath FULL GRAM Cartridges online,Our top screw-on cartridge with over 10 Amazing, powerful flavors. Testing at up to 94.55% THC, these cartridges can satisfy even the most veteran smoker while dealing with a couple medical conditions.
Big chief carts
Big chief carts
Monday, July 6, 2020
Que considerar al comprar una cartera nueva
Que considerar al comprar una cartera nueva
Cuando este considerando comprar una cartera nueva, hay muchas cosas diferentes que usted, como consumidor, debe tener en cuenta. Hay una cantidad inimaginable de diferentes tipos de monederos en el mundo. Hay diferentes tamanos, estilos, colores, materiales y precios. Puede ser muy emocionante comprar un bolso nuevo, pero tambien puede ser un poco dificil. Con todos los diferentes tipos de bolsos para elegir, ¿donde comienzas tú como cliente? ¡Empiezas a decidir exactamente lo que quieres!
Lo primero que debe tener en cuenta al buscar un bolso nuevo es el tamano del bolso que desea. ¿Desea una cartera que sea pequena para llevar solo las necesidades minimas, o desea una cartera que sea tan grande que pueda caber en un cuaderno, una agenda grande u otros articulos grandes? Todo depende de lo que quieras llevar contigo cuando planeas empacar este bolso contigo. Si esta buscando uno para llevar a diario, es posible que desee un bolso de tamano decente para llevar las necesidades cotidianas. El tamano si importa a la hora de comprar un bolso, porque; usted como cliente debe decidir cuales seran los usos de este bolso.
En segundo lugar, la proxima cosa importante en la que pensar es en el estilo de bolso que desea. Existen numerosos estilos de monederos. Algunos estilos de bolsos que son comunes hoy en dia son el bolso cruzado, el bolso vagabundo y el bolso de mano. Hay muchos mas, pero eso es solo una lista de unos pocos. El bolso cruzado se ha vuelto muy popular hoy en dia, son faciles de poner y llevar. La mayoria de los bolsos cruzados tienen un tamano decente y muchas personas los usan para ir de compras. El bolso vagabundo es una bolsa de hombro que es mas grande y tambien facil de llevar en el hombro. Los bolsos de vagabundo son muy comodos de llevar a diario. El bolso de mano es un bolso mas pequeno que se lleva en la muneca o en la mano. Los bolsos de embrague se usan comúnmente para sacar una noche en la ciudad debido a su tamano. Los bolsos de embrague son del tamano adecuado para llevar su telefono celular, dinero y otras necesidades simples para una salida nocturna.
Lo último que debe considerar al comprar una bolsa es el material y el color. El material de un bolso le mostrara cuan duradero sera su nuevo bolso. El material de tela es facil de ensuciar, rasgar y no dura mucho tiempo. Por otro lado, es mas probable que los bolsos de cuero sean mas duraderos que los de tela. El cuero es mas fuerte y tiene menos probabilidades de rasgarse o ensuciarse como un bolso de tela. Si desea llevar esta bolsa a diario, es probable que desee comprar una bolsa de cuero que aguante y dure mas tiempo.
En conclusion, al considerar comprar un bolso nuevo, hay mas cosas a tener en cuenta de lo que la mayoria de la gente pensaria. No sea un comprador impulsivo y compre el primero que le guste. Compare e inspeccione la variedad de carteras disponibles. ¡Cada bolso es único al igual que el cliente lo compra!
Bolsas damas Panama
Cuando este considerando comprar una cartera nueva, hay muchas cosas diferentes que usted, como consumidor, debe tener en cuenta. Hay una cantidad inimaginable de diferentes tipos de monederos en el mundo. Hay diferentes tamanos, estilos, colores, materiales y precios. Puede ser muy emocionante comprar un bolso nuevo, pero tambien puede ser un poco dificil. Con todos los diferentes tipos de bolsos para elegir, ¿donde comienzas tú como cliente? ¡Empiezas a decidir exactamente lo que quieres!
Lo primero que debe tener en cuenta al buscar un bolso nuevo es el tamano del bolso que desea. ¿Desea una cartera que sea pequena para llevar solo las necesidades minimas, o desea una cartera que sea tan grande que pueda caber en un cuaderno, una agenda grande u otros articulos grandes? Todo depende de lo que quieras llevar contigo cuando planeas empacar este bolso contigo. Si esta buscando uno para llevar a diario, es posible que desee un bolso de tamano decente para llevar las necesidades cotidianas. El tamano si importa a la hora de comprar un bolso, porque; usted como cliente debe decidir cuales seran los usos de este bolso.
En segundo lugar, la proxima cosa importante en la que pensar es en el estilo de bolso que desea. Existen numerosos estilos de monederos. Algunos estilos de bolsos que son comunes hoy en dia son el bolso cruzado, el bolso vagabundo y el bolso de mano. Hay muchos mas, pero eso es solo una lista de unos pocos. El bolso cruzado se ha vuelto muy popular hoy en dia, son faciles de poner y llevar. La mayoria de los bolsos cruzados tienen un tamano decente y muchas personas los usan para ir de compras. El bolso vagabundo es una bolsa de hombro que es mas grande y tambien facil de llevar en el hombro. Los bolsos de vagabundo son muy comodos de llevar a diario. El bolso de mano es un bolso mas pequeno que se lleva en la muneca o en la mano. Los bolsos de embrague se usan comúnmente para sacar una noche en la ciudad debido a su tamano. Los bolsos de embrague son del tamano adecuado para llevar su telefono celular, dinero y otras necesidades simples para una salida nocturna.
Lo último que debe considerar al comprar una bolsa es el material y el color. El material de un bolso le mostrara cuan duradero sera su nuevo bolso. El material de tela es facil de ensuciar, rasgar y no dura mucho tiempo. Por otro lado, es mas probable que los bolsos de cuero sean mas duraderos que los de tela. El cuero es mas fuerte y tiene menos probabilidades de rasgarse o ensuciarse como un bolso de tela. Si desea llevar esta bolsa a diario, es probable que desee comprar una bolsa de cuero que aguante y dure mas tiempo.
En conclusion, al considerar comprar un bolso nuevo, hay mas cosas a tener en cuenta de lo que la mayoria de la gente pensaria. No sea un comprador impulsivo y compre el primero que le guste. Compare e inspeccione la variedad de carteras disponibles. ¡Cada bolso es único al igual que el cliente lo compra!
Bolsas damas Panama
Wednesday, July 1, 2020
Equity Release Lifetime Mortgages Are Now Recognised As an Important Retirement Planning Tool
Equity Release Lifetime Mortgages Are Now Recognised As an Important Retirement Planning Tool
Equity release has been around in several forms since the 1960?s, but is gaining a lot of attention nowadays because of the important roll it can play in retirement planning. Unlike the older schemes, it is now a specialist form of financing where both advisors and providers are highly regulated by the Financial Services Authority.
This type of finance is also attracting attention as a way of meeting the costs of long-term care that might otherwise fall on the state, and for estate planning, to help mitigate possible inheritance tax burden.
Described in various different ways such as lifetime mortgages, home reversion or home income plans, equity release schemes and so on, all schemes essentially provide a mechanism to release the value of the equity tied up in your home.
It provides a way to release some of the value of your home in retirement when needed most, without having to sell it or move out, and can be the right option for many who need additional money to boost either their spending power for luxuries, or simply to cover the every costs of living when current pension provision is inadequate.
Lifetime Mortgages are now readily available for home owners age 55 or over, and are provided with flexible terms, and at prices only slightly higher than those for mainstream mortgage lending. However, unlike conventional mortgages, equity release mortgages do not require you to make regular repayments.
When looking at the different products available in the market look for the SHIP logo or ask your adviser if the plan being recommended carries the SHIP logo to see if your equity release plan is protected. SHIP stands for Safe Home Income Plans and is the trade body that represents the majority of the equity release market in. SHIP members include providers of both lifetime mortgages and home reversion plans. SHIP equity release members guarantee that you can live in your home for the rest of your life, move to another property without penalty, and never owe more money than the total value of your home.
These products are not the right option for everyone. For some people, trading down to a smaller property, or utilising existing savings may be a more suitable route to consider. If using an equity release plan to consolidate debt, you should consider that you are taking a previously unsecured debt and securing it against the home.
Releasing equity in the home is not something to be dismissed out of hand either. It may not be the right thing for some people, but it is for others. It is essential however, that each scheme is examined and the benefits and pitfalls of equity release identified in relation to your own personal circumstances. This includes the effect inflation will have on your remaining property value and the possible effect on your estate.
Releasing equity in the home can be the ideal solution for many, providing extra cash to supplement the state pension, and thereby providing a better quality of life in later years. Some may even consider releasing equity in the home to provide for their children or grandchildren, for school fees or even the deposit to buy their own home.
A Lifetime mortgage is a complex financial product, and consumers considering equity release should always seek independent financial advice as releasing equity from a property can affect eligibility for the means-tested benefits Pension Credit and Council Tax Benefit as well as your tax. Furthermore, it can place restrictions on your ability to move in the future.
Concise Finance Putney
Equity release has been around in several forms since the 1960?s, but is gaining a lot of attention nowadays because of the important roll it can play in retirement planning. Unlike the older schemes, it is now a specialist form of financing where both advisors and providers are highly regulated by the Financial Services Authority.
This type of finance is also attracting attention as a way of meeting the costs of long-term care that might otherwise fall on the state, and for estate planning, to help mitigate possible inheritance tax burden.
Described in various different ways such as lifetime mortgages, home reversion or home income plans, equity release schemes and so on, all schemes essentially provide a mechanism to release the value of the equity tied up in your home.
It provides a way to release some of the value of your home in retirement when needed most, without having to sell it or move out, and can be the right option for many who need additional money to boost either their spending power for luxuries, or simply to cover the every costs of living when current pension provision is inadequate.
Lifetime Mortgages are now readily available for home owners age 55 or over, and are provided with flexible terms, and at prices only slightly higher than those for mainstream mortgage lending. However, unlike conventional mortgages, equity release mortgages do not require you to make regular repayments.
When looking at the different products available in the market look for the SHIP logo or ask your adviser if the plan being recommended carries the SHIP logo to see if your equity release plan is protected. SHIP stands for Safe Home Income Plans and is the trade body that represents the majority of the equity release market in. SHIP members include providers of both lifetime mortgages and home reversion plans. SHIP equity release members guarantee that you can live in your home for the rest of your life, move to another property without penalty, and never owe more money than the total value of your home.
These products are not the right option for everyone. For some people, trading down to a smaller property, or utilising existing savings may be a more suitable route to consider. If using an equity release plan to consolidate debt, you should consider that you are taking a previously unsecured debt and securing it against the home.
Releasing equity in the home is not something to be dismissed out of hand either. It may not be the right thing for some people, but it is for others. It is essential however, that each scheme is examined and the benefits and pitfalls of equity release identified in relation to your own personal circumstances. This includes the effect inflation will have on your remaining property value and the possible effect on your estate.
Releasing equity in the home can be the ideal solution for many, providing extra cash to supplement the state pension, and thereby providing a better quality of life in later years. Some may even consider releasing equity in the home to provide for their children or grandchildren, for school fees or even the deposit to buy their own home.
A Lifetime mortgage is a complex financial product, and consumers considering equity release should always seek independent financial advice as releasing equity from a property can affect eligibility for the means-tested benefits Pension Credit and Council Tax Benefit as well as your tax. Furthermore, it can place restrictions on your ability to move in the future.
Concise Finance Putney
Equity Release Or Lifetime Mortgage - That is the Question
Equity Release Or Lifetime Mortgage - That is the Question
Equity release & lifetime mortgage are the two most commonly used terms to describe the release of equity from a property - but which term is technically correct?
Experience has shown that confusion arises when both terms - equity release & lifetime mortgage are used in the same sentence. People have been known to request an equity release plan, but not a lifetime mortgage!
This article will attempt to allay misconceptions & confusion around the use of these two mortgage terms.
The word 'equity release' is used as a generic term identifying the withdrawal of capital from your property. 'Equity' being the value of an asset, less any loans or charges made against it.
By releasing equity from your property, you are freeing the spare amount of capital available in the property, to use for personal expenditure purposes.
However, the term equity release can apply to various methods of releasing equity. These could include a further advance on a conventional mortgage, or, as discussed specifically in this article, a special type of mortgage for the over 55's.
So what is the difference between equity release & a lifetime mortgage & how can they be differentiated?
Well, this is where the additional definitions of equity release come into play & identify the product variations. Equity release for the over 55's encompasses the two types of schemes available; lifetime mortgages & home reversion schemes.
Of these two schemes a lifetime mortgage is the most common & is basically a loan secured on the home which releases tax free cash for the applicant to spend as they wish.
The tax free cash can be released in the form of an income or more commonly a capital lump sum.
With a lifetime mortgage, the original amount borrowed is charged a fixed rate of interest which is then added annually by the lender. However, unlike a conventional mortgage there are no monthly repayments to make.
This process continues for the duration of the occupants life, until they die or move into long term care. At that point the beneficiaries will sell the property. The sale proceeds will then pay off the lender, with the remaining balance distributed in accordance with the estates wishes.
The second type of equity release is a Home Reversion scheme. In essence, you sell all or part of your home to the scheme provider (reversion company) in return for regular income or a tax free lump sum or both, and continue to live in your home. You receive a lifetime tenancy in the property & usually live there rent free until death or moving into long term care.
At this point, the property is then sold & the reversion company will collect its money. The amount they receive will be a percentage of the sale proceeds, dependent upon how much of the property was sold to them initially. e.g. if 60% of the property was sold to the reversion company, they will then receive 60% of the eventual sale proceeds, whether this is lower or higher than the original value.
Home reversion schemes are more suitable for the older age group; typically age 70+. The reason being, the older you are, the shorter your life expectancy & thus the lender potentially realises their capital quicker. As a consequence, the reversion company can therefore offer more favourable terms.
These schemes therefore guarantee a percentage of the eventual sale proceeds to the beneficiaries & generally will be used for this reason.
On the contrary, a roll-up lifetime mortgage has generally no such guarantee as to how much equity, if anything, will be left for the beneficiaries.
This is due to the fact that the rolled-up interest compounds annually & will continue to do so as long as the occupier is resident. This could eventually result in the balance surpassing the value of the property, which in effect would result in negative equity situation.
However, all SHIP (Safe Home Income Plans) approved products include a no negative equity guarantee, which means that should the balance of the mortgage be greater than the eventual sale of the property, then the lender will only ask for the value of the property. This guarantee ensures the beneficiaries never owe more than the value of the property.
The no negative equity guarantee is provided at no additional cost to the borrower.
Therefore in summary, the term equity release is a generic term commonly used to encompass both lifetime mortgages & home reversion schemes.
Finance Hunt Wandsworth
Equity release & lifetime mortgage are the two most commonly used terms to describe the release of equity from a property - but which term is technically correct?
Experience has shown that confusion arises when both terms - equity release & lifetime mortgage are used in the same sentence. People have been known to request an equity release plan, but not a lifetime mortgage!
This article will attempt to allay misconceptions & confusion around the use of these two mortgage terms.
The word 'equity release' is used as a generic term identifying the withdrawal of capital from your property. 'Equity' being the value of an asset, less any loans or charges made against it.
By releasing equity from your property, you are freeing the spare amount of capital available in the property, to use for personal expenditure purposes.
However, the term equity release can apply to various methods of releasing equity. These could include a further advance on a conventional mortgage, or, as discussed specifically in this article, a special type of mortgage for the over 55's.
So what is the difference between equity release & a lifetime mortgage & how can they be differentiated?
Well, this is where the additional definitions of equity release come into play & identify the product variations. Equity release for the over 55's encompasses the two types of schemes available; lifetime mortgages & home reversion schemes.
Of these two schemes a lifetime mortgage is the most common & is basically a loan secured on the home which releases tax free cash for the applicant to spend as they wish.
The tax free cash can be released in the form of an income or more commonly a capital lump sum.
With a lifetime mortgage, the original amount borrowed is charged a fixed rate of interest which is then added annually by the lender. However, unlike a conventional mortgage there are no monthly repayments to make.
This process continues for the duration of the occupants life, until they die or move into long term care. At that point the beneficiaries will sell the property. The sale proceeds will then pay off the lender, with the remaining balance distributed in accordance with the estates wishes.
The second type of equity release is a Home Reversion scheme. In essence, you sell all or part of your home to the scheme provider (reversion company) in return for regular income or a tax free lump sum or both, and continue to live in your home. You receive a lifetime tenancy in the property & usually live there rent free until death or moving into long term care.
At this point, the property is then sold & the reversion company will collect its money. The amount they receive will be a percentage of the sale proceeds, dependent upon how much of the property was sold to them initially. e.g. if 60% of the property was sold to the reversion company, they will then receive 60% of the eventual sale proceeds, whether this is lower or higher than the original value.
Home reversion schemes are more suitable for the older age group; typically age 70+. The reason being, the older you are, the shorter your life expectancy & thus the lender potentially realises their capital quicker. As a consequence, the reversion company can therefore offer more favourable terms.
These schemes therefore guarantee a percentage of the eventual sale proceeds to the beneficiaries & generally will be used for this reason.
On the contrary, a roll-up lifetime mortgage has generally no such guarantee as to how much equity, if anything, will be left for the beneficiaries.
This is due to the fact that the rolled-up interest compounds annually & will continue to do so as long as the occupier is resident. This could eventually result in the balance surpassing the value of the property, which in effect would result in negative equity situation.
However, all SHIP (Safe Home Income Plans) approved products include a no negative equity guarantee, which means that should the balance of the mortgage be greater than the eventual sale of the property, then the lender will only ask for the value of the property. This guarantee ensures the beneficiaries never owe more than the value of the property.
The no negative equity guarantee is provided at no additional cost to the borrower.
Therefore in summary, the term equity release is a generic term commonly used to encompass both lifetime mortgages & home reversion schemes.
Finance Hunt Wandsworth
Equity Release - Property Can Help You Avoid Poverty
Equity Release - Property Can Help You Avoid Poverty
While retirement generally brings with it the time to enjoy hobbies, travel and just a relaxed life in general, more often than not, pension income is not sufficient to finance these long anticipated dreams.
Equity release offers a solution to the cash shortages of pensions that are struggling to keep up with ever rising food, travel and utility costs. It is no secret that government financial aid for people at, or approaching, pensionable age, is quickly swallowed up by more expensive essentials.
Equity release allows you to benefit from the value of your home, without you having to sell or move out of it.
Equity release can provide you with:
Cash
An income
A combination of a cash sum and an income
It is generally accepted that property is a good investment vehicle, over time showing a tidy return on initial investment. For this reason, it is not uncommon for a homeowner's property to be their single most significant asset.
Equity release may offer an opportunity for you to release some, or all, of the equity in your property, with which you can realise your dreams.
Any cash generated by an equity release plan is tax-free and, once the equity release is finalised, you are free to spend your money on anything you wish.
Equity release cash could be used for:
Buying a holiday home
Going on the holiday of a lifetime
Home improvements/extension
Buying a new car, motor home or caravan
Paying off debts
Cash gifts to children or grandchildren
Eligibility for equity release schemes will be dependent upon certain conditions:
Although some schemes only require you to be over 55 years of age, you must usually be at least 60 years old. If married, your spouse would need to meet this minimum age requirement
You must own your home or have little or no mortgage on it
You must reside in England, Scotland or Wales
You have more than just one option too, as there are two main types of equity release scheme:
Home Reversion - where you sell all, or part, of your home to a specialist investment company or individual
Lifetime Mortgage - where you take out a loan, secured against your home
Nations Finance UK
While retirement generally brings with it the time to enjoy hobbies, travel and just a relaxed life in general, more often than not, pension income is not sufficient to finance these long anticipated dreams.
Equity release offers a solution to the cash shortages of pensions that are struggling to keep up with ever rising food, travel and utility costs. It is no secret that government financial aid for people at, or approaching, pensionable age, is quickly swallowed up by more expensive essentials.
Equity release allows you to benefit from the value of your home, without you having to sell or move out of it.
Equity release can provide you with:
Cash
An income
A combination of a cash sum and an income
It is generally accepted that property is a good investment vehicle, over time showing a tidy return on initial investment. For this reason, it is not uncommon for a homeowner's property to be their single most significant asset.
Equity release may offer an opportunity for you to release some, or all, of the equity in your property, with which you can realise your dreams.
Any cash generated by an equity release plan is tax-free and, once the equity release is finalised, you are free to spend your money on anything you wish.
Equity release cash could be used for:
Buying a holiday home
Going on the holiday of a lifetime
Home improvements/extension
Buying a new car, motor home or caravan
Paying off debts
Cash gifts to children or grandchildren
Eligibility for equity release schemes will be dependent upon certain conditions:
Although some schemes only require you to be over 55 years of age, you must usually be at least 60 years old. If married, your spouse would need to meet this minimum age requirement
You must own your home or have little or no mortgage on it
You must reside in England, Scotland or Wales
You have more than just one option too, as there are two main types of equity release scheme:
Home Reversion - where you sell all, or part, of your home to a specialist investment company or individual
Lifetime Mortgage - where you take out a loan, secured against your home
Nations Finance UK
Bad Credit Remortgage Loan - Still Keeps its Financial Consistency
Bad Credit Remortgage Loan - Still Keeps its Financial Consistency
If you have bad credit you can still benefit from remortgage. Perhaps you also had bad credit when you applied for your original mortgage. Those who have bad credit history are usually charged higher interest rates than those with good credit. Lenders do this to help cover their risk of lending to you. Many people who have bad credit pay a higher interest than necessary. If you have bad credit, you may want to remortgage. You can take your time and shop around for the best interest rate available to you. It is highly possible that you can find an interest rate that is lower than what you are paying now.
When people remortgage they often use money to do home repair and remodels to their houses. In doing so, they can even add more equity to their homes. Money can be used to go on vacation or to buy a new car. Someone might also remortgage their homes so they have some money for their children's education.
Since you already have bad credit you may be at a disadvantage in the mortgage industry, but you are not ruled out from playing the game. Some predatory mortgage lenders may be looking for those with bad credit to take advantage of them, so you need to know the obtaining process of bad credit remortgage loan.
Lenders who offer individuals bad credit remortgage loan want to see whether you have paid your credit properly, or if there have been any default or arrear. If you are applying for bad credit remortgage the chances are that you will have some form of impaired credit history, so this on its own should not prevent you from getting bad credit remortgage loan.
Frequent Finance UK
If you have bad credit you can still benefit from remortgage. Perhaps you also had bad credit when you applied for your original mortgage. Those who have bad credit history are usually charged higher interest rates than those with good credit. Lenders do this to help cover their risk of lending to you. Many people who have bad credit pay a higher interest than necessary. If you have bad credit, you may want to remortgage. You can take your time and shop around for the best interest rate available to you. It is highly possible that you can find an interest rate that is lower than what you are paying now.
When people remortgage they often use money to do home repair and remodels to their houses. In doing so, they can even add more equity to their homes. Money can be used to go on vacation or to buy a new car. Someone might also remortgage their homes so they have some money for their children's education.
Since you already have bad credit you may be at a disadvantage in the mortgage industry, but you are not ruled out from playing the game. Some predatory mortgage lenders may be looking for those with bad credit to take advantage of them, so you need to know the obtaining process of bad credit remortgage loan.
Lenders who offer individuals bad credit remortgage loan want to see whether you have paid your credit properly, or if there have been any default or arrear. If you are applying for bad credit remortgage the chances are that you will have some form of impaired credit history, so this on its own should not prevent you from getting bad credit remortgage loan.
Frequent Finance UK
A Brief Guide To Equity Release In Retirement
A Brief Guide To Equity Release In Retirement
Some retirees supplement their pensions by using capital assets, usually their home. For the asset rich, cash poor, equity release is a relatively efficient and safe way to gain a cash lump sum from your property to improve the quality of your life in retirement. Two types of equity release scheme, the Lifetime Mortgage and the Home Reversion Plan, are available and their suitability depends on your circumstances and preferences. A Lifetime Mortgage is based on interest on the capital initially borrowed. It accrues annually over the period of a lifetime. The Home Reversion Plan requires the homeowner to sell part of the property. The lender then releases a capital sum. These products have declined in popularity due to a focus by major lenders on promoting mortgage products; as they are more difficult to understand because of the actuarial adjustment and due to people's emotional aversion to selling part of their home. The complexities of both schemes require careful consideration and impartial advice from a company accredited by the Financial Services Association (FSA).
Equity release is not without its risks and three alternatives should be considered. Firstly, downsizing can be the simplest and most cost effective way to realize capital. Secondly, look to any existing savings. Thirdly, find out if any grants are available for home improvements to better equip the property for retirement living.
Next, look at the equity release products in detail, discussing the options with a professional advisor. Be aware that some schemes on the market make similar promises to bone fide equity release products, but are neither safe nor good value. Pitfalls await the unsuspecting and although many of the worst offending schemes have been outlawed, some plans involving standard variable interest rates, for example, are still being sold. These may look attractive but can become a financial burden in unfavourable market conditions.
Equity release schemes endorsed by SHIP (Safe Home Income Plan) have a 'no negative equity guarantee' that ensures no debt can be passed on to your estate. Members of SHIP also agree to provide fair, simple and complete presentation of equity release plans.
Finance Hub SW15 2PG
Some retirees supplement their pensions by using capital assets, usually their home. For the asset rich, cash poor, equity release is a relatively efficient and safe way to gain a cash lump sum from your property to improve the quality of your life in retirement. Two types of equity release scheme, the Lifetime Mortgage and the Home Reversion Plan, are available and their suitability depends on your circumstances and preferences. A Lifetime Mortgage is based on interest on the capital initially borrowed. It accrues annually over the period of a lifetime. The Home Reversion Plan requires the homeowner to sell part of the property. The lender then releases a capital sum. These products have declined in popularity due to a focus by major lenders on promoting mortgage products; as they are more difficult to understand because of the actuarial adjustment and due to people's emotional aversion to selling part of their home. The complexities of both schemes require careful consideration and impartial advice from a company accredited by the Financial Services Association (FSA).
Equity release is not without its risks and three alternatives should be considered. Firstly, downsizing can be the simplest and most cost effective way to realize capital. Secondly, look to any existing savings. Thirdly, find out if any grants are available for home improvements to better equip the property for retirement living.
Next, look at the equity release products in detail, discussing the options with a professional advisor. Be aware that some schemes on the market make similar promises to bone fide equity release products, but are neither safe nor good value. Pitfalls await the unsuspecting and although many of the worst offending schemes have been outlawed, some plans involving standard variable interest rates, for example, are still being sold. These may look attractive but can become a financial burden in unfavourable market conditions.
Equity release schemes endorsed by SHIP (Safe Home Income Plan) have a 'no negative equity guarantee' that ensures no debt can be passed on to your estate. Members of SHIP also agree to provide fair, simple and complete presentation of equity release plans.
Finance Hub SW15 2PG
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