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(SpringhillCareGroup) 28March 2012 - People are relying on mortgage in order to buy their own house. Investing in a house is considered to be the biggest financial commitment one can ever make. Therefore, it will be beneficial for the consumer if you could choose your own mortgage term. Before you apply for a mortgage loan make sure that you take help of a loan mortgage calculator to calculate your monthly payment. This will help you determine the mortgage loan that you can afford to take out. When a borrower chooses his own term mortgage then it will be easier for him to pay off the owed amount without a single default. Quicken loan offers "YOURmortgage" where the consumers will determine the length of the mortgage where you can choose the term between 8 to 30 years. Therefore, if you are not keen to apply for a standard 30 or 15-year term then refinancing your mortgage into an 18-year fixed or a 24-year fixed loan can be beneficial for you. If your loan term is short then interest rate will be comparatively lower, thereby you can save considerable amount of money. If you take out 15 years fixed term mortgage then the interest rate will be lower than 30 years fixed term mortgage. So you can save considerable amount of money with a shorter term as less interest will be paid over a shorter amount of time. In shorter term mortgage you pay less as the loan amortizes faster. But remember that the monthly mortgage will be higher if your loan term is shorter. So this is considered to be a drawback of this mortgage program. Reason behind choosing your own mortgage term: You can choose your own mortgage term in accordance with your budget. This will help you avoid burning a hole in your pocket while paying back the owed amount. You can set your mortgage term according to age you plan to retire. Therefore, before your retirement you'll be able to pay back the mortgage loan and avoid default. You can choose a mortgag

Springhill Care Group : Can you choose your own term mortgage? 10April 2012 - SpringhillCare - SlideShare - People are relying on mortgage in order to buy their own house. Investing in a house is considered to be the biggest financial commitment one can ever make. Therefore, it will be beneficial for the consumer if you could choose your own mortgage term. Before you apply for a mortgage loan make sure that you take help of a loan mortgage calculator to calculate your monthly payment. This will help you determine the mortgage loan that you can afford to take out. When a borrower chooses his own term mortgage then it will be easier for him to pay off the owed amount without a single default Quicken loan offers "YOURmortgage" where the consumers will determine the length of the mortgage where you can choose the term between 8 to 30 years. Therefore, if you are not keen to apply for a standard 30 or 15-year term then refinancing your mortgage into an 18-year fixed or a 24-year fixed loan can be beneficial for you. If your loan term is short then interest rate will be comparatively lower, thereby you can save considerable amount of money.  If you take out 15 years fixed term mortgage then the interest rate will be lower than 30 years fixed term mortgage. So you can save considerable amount of money with a shorter term as less interest will be paid over a shorter amount of time. In shorter term mortgage you pay less as the loan amortizes faster. But remember that the monthly mortgage will be higher if your loan term is shorter. So this is considered to be a drawback of this mortgage program. Reason behind choosing your own mortgage term: You can choose your own mortgage term in accordance with your budget. This will help you avoid burning a hole in your pocket while paying back the owed amount. You can set your mortgage term according to age you plan to retire. Therefore, before your retirement you'll be able to pay back the mortgage loan and avoid def

A group of real estate experts downplayed the possibility of a Japan-like property bubble burst at a forum hosted by the Korea Chamber of Commerce and Industry on Tuesday. Participants who shared the view that South Korea's property market is different from Japan included professor Choi Hee-gap from Ajou University. Choi said that Japan suffered a property market crash - ?which was initiated by enterprises in the 1980s? - in the wake of policymakers? rapid hikes in interest rates in the 1990s. ?Unlike the Japanese case, Korea saw the expansion of the realty market on the back of active investment of households," he argued. ?Further, thanks to financial authorities? strict regulations on mortgage loans over the past several years, a bubble in housing prices is not so big." But he added that the government should implement detailed measures to cope with the aging society and resolve worries over a sharp drop in housing prices. Kim Deok-ryeh, a researcher at Korea Housing Institute, said whether the sluggish real estate market will be revitalised depends on ?the pending bill on easing regulations, the coming presidential elections and the eurozone fiscal crisis?. Among the participants were officials from the Ministry of Land, Transportation and Maritime Affairs, Hyundai Research Institute, Citizens? Coalition for Economic Justice and the Korea Housing Builders Association. About 180 business leaders also participated in the KCCI forum as observers. Meanwhile, Hyundai Research Institute recently warned that Korea may follow in the footsteps of Spain and Ireland as the country is now past its demographic window, the period when the percentage of people able to work reaches its peak. ?We must be mindful of the possibility of a property bubble burst as a sharp fall in the proportion of the working age population cuts demand for real estate," an HRI analyst said in the report titled ?Time to Prepare for Demographic Bo

http://news.springhillcaregroup.net/2013/05/14/labor-group-fights-for-better-pay-for-home-care-workers/ Americans live longer base from the statistics, thus making the population age and as it ages the need for home care workers will grow significantly. According to the Bureau of Labor Standards, the Home Care Workforce will grow from 1.7 Million to 2.6 million in 2018, but the people caring for seniors in their homes earn on average less than 10 dollars an hour and many do not get benefits. A number of those workers assembled at the Food and Medicine Headquarters in Brewer Thursday to encourage their Senators to make it a priority to improve pay, benefits and training for this growing workforce. Helen Hanson stood at a podium from her huddling under the tent and shared her financial struggles during her work as a home care worker. "My bills are paid but when the oil tank is down do I pay the mortgage or do I spend 350 dollars to put 100 gallons in the oil tank," she said. Although Hanson loves going into peoples' homes to care for them she couldn't make the ends meet. So instead, she went to work at a rehab facility as a certified nurse and she got better pay and benefits. This kind of problem is one example of a nationwide concern. "We have 3 million direct care health workers in the country right now and we're projecting 27 million seniors by 2050," Pointed out Reverend Mark Doty, one of those gathered at the Food and Medicine Rally. The pro workers group had a stage demonstration where they showed how hard their work is. The demonstration is even complete with a juggler to show how complicated it is for home care workers to juggle their responsibilities. Everything is happening while caring for a growing number of seniors and finding an easy solution may be a juggling act too. The issue becomes how to pay for a better wage for them after all agree that home care workers should be paid well. Vickie Purgavie, executive director of the Home Care a

Time is very essential to everybody. We will never know when were going to loose it. Today everyone seems to be very busy, everybody has to live and in order to live one must work for them. But we cannot work and take care of our parents or grandparents who's getting older and requires more care and attention. We became more concern about their safety at home. It's not an easy task caring for the elderly, especially if you are trying to do it alone. And aside from work, there comes a time when you will need a break, or just some time alone for yourself. With the constant worry that something may go wrong, the respites and personal time become nonexistent. Sometimes we are left with tough decision, whether or not an elderly family member should move into an assisted living facility is often one of the key questions. Home care for the elderly is an option for caregivers who need extra help while offering the elderly person a good quality of life for the rest of their years. To make your decision a lot easier, these advantages of letting elderly live in Home care might help you decide: 1. Seniors are getting more sensitive than usual. One advantage of leeting them stay in home care can give them the sense of freedom, and freedom for them could mean maintaining dignity, dignity which is something seniors feels like loosing as they age. This freedom would not be possible in an assisted living residence. This freedom could also mean that those who receive homecare can come and go as they please-for whatever reason. They can also choose their own meal times so they can eat whenever they are hungry unlike if meals are served to them, they might feel like prisoners. They are left with the feeling of they can decide for themselves. 2. It is proven that caring for pets can reduce stress levels and was also proven to have health benefits for seniors. Homes allow elderly to keep their pets and even beloved possessions with them for these possessions are tied

Springhill Care Group Labor Group fights for better pay for Home Care Workers Americans live longer base from the statistics, thus making the population age and as it ages the need for home care workers will grow significantly. According to the Bureau of Labor Standards, the Home Care Workforce will grow from 1.7 Million to 2.6 million in 2018, but the people caring for seniors in their homes earn on average less than 10 dollars an hour and many do not get benefits. A number of those workers assembled at the Food and Medicine Headquarters in Brewer Thursday to encourage their Senators to make it a priority to improve pay, benefits and training for this growing workforce. Helen Hanson stood at a podium from her huddling under the tent and shared her financial struggles during her work as a home care worker. "My bills are paid but when the oil tank is down do I pay the mortgage or do I spend 350 dollars to put 100 gallons in the oil tank," she said. Although Hanson loves going into peoples' homes to care for them she couldn't make the ends meet. So instead, she went to work at a rehab facility as a certified nurse and she got better pay and benefits. This kind of problem is one example of a nationwide concern. "We have 3 million direct care health workers in the country right now and we're projecting 27 million seniors by 2050," Pointed out Reverend Mark Doty, one of those gathered at the Food and Medicine Rally. The pro workers group had a stage demonstration where they showed how hard their work is. The demonstration is even complete with a juggler to show how complicated it is for home care workers to juggle their responsibilities. Everything is happening while caring for a growing number of seniors and finding an easy solution may be a juggling act too. The issue becomes how to pay for a better wage for them after all agree that home care workers should be paid well. Source: http://news.springhillcaregroup.net/2013/05/14/labor-gr