CBC News – The national lust for home equity lines of credit: should we worry? #how #to #get #unsecured #business #lines #of #credit


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The national lust for home equity lines of credit: should we worry?

Murad Ali and Arsheen Haji live large thanks to easy access to home equity lines of credit, joining the many Canadians succumbing to the same temptation. Critics warn the high credit limits and low interest rate loans could cause some Canadians to get in over their heads.

The national lust for home equity lines of credit: should we worry?

Low interest rates. High credit limits. Lines of credit can turn your home into an ATM

Sophia Harris CBC News

Posted:Jun 10, 2015 5:00 AM ET

Last Updated:Jun 12, 2015 8:08 PM ET

Murad Ali, his wife, Arsheen Haji, and their daughter, Shanzé, in their custom kitchen paid for with a home equity line of credit. Sophia Harris/CBC News

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Murad Ali and Arsheen Haji live large thanks to easy access to their home equity lines of credit, joining the many Canadians succumbing to the same temptation.

For the Toronto-area couple, it all started back in 2009 with a lavish $78,000 wedding.

Then came numerous overseas vacations. When touring Egypt, Ali bought four souvenir papyrus scrolls for $6,000. In Italy, Haji picked up a $7,000 Chanel bag.

Arsheen Haji and Murad Ali on vacation in Egypt in 2012. They paid for their trip with a home equity line of credit. (Murad Ali)

After the birth of their daughter, the couple moved into a newly built home and spent more than $100,000 on upgrades, including a custom kitchen, hardwood floors and a high-tech fireplace.

The wedding, trips and high-end purchases were made possible with cash from two home equity lines of credit secured against a couple of investment condos the family owns. The debt from those loans now totals $370,000. They also recently got an unsecured $30,000 line of credit to buy solar panels for their new house.

Line of credit addiction

‘It’s like turning your house into an ATM’
– David Trahair, chartered accountant

“We are addicted for sure. Who wouldn’t be addicted to something so easy [to get]?” says 35-year-old Ali about the free-flowing lines of credit that have enabled him to splurge on the finer things in life.

“It’s easy, accessible cash at a very cheap price. The banks make it so easy for you to obtain it,” says the software engineer.

The couple is part of a national trend. Canadians love their lines of credit, which feature interest rates that are much lower than credit cards. Ali pays just 3.25 per cent interest on his home equity lines. Credit card rates typically hover around 20 per cent.

According to an RBC report last week, Canadians’ outstanding debt on personal lines of credit hit $266 billion as of April, a 3.2 per cent gain over last year. ​

It should be noted that the rate of growth is slowing and sits well below historical highs. But one thing’s certain. The total debt keeps mounting.

Home equity credit lines allow Canadians to borrow big – up to 80 per cent of a property’s value when combined with a mortgage. According to the Canadian Association of Accredited Mortgage Professionals. 22 per cent of homeowners had a home equity line of credit in 2014. They owed an average of $57,000.

“I t’s like turning your house into an ATM,” says chartered accountant David Trahair, who has written numerous books on personal finance. “If you’ve got a house, especially in Toronto with these insane values, you can borrow an incredible amount of money against the house.”

Will it ever end?

Trahair worries that with potentially high credit limits, those lacking self-control can easily get in over their heads. “For spenders, the low interest rate environment is almost like a drug. It’s almost impossible for them not to take advantage of these low interest rates and borrow.”

But the Canadian Bankers Association is not worried. It states that Canadians are responsible borrowers and that banks are prudent lenders. Before granting a home equity line of credit, “banks complete a thorough due diligence process,” said spokeswoman Kate Payne in an email.

Ali is now considering borrowing more money against the equity in his new home. He admits he’s antsy about adding to his debt when the family already has a substantial mortgage on their 5,000-square-foot house.

But the place is still largely unfurnished and he’s yearning to install a $40,000 glass railing for the staircase.

“Without the glass railing, the look of my stairs is not doing it justice,” he says.

Right now, the couple could probably afford the extra loan payment. Currently, both he and Haji, a business analyst, can cover the bills and still have money left over for savings.

BMO senior economist Benjamin Reitzes notes that current low interest rates mean high debt levels aren’t bankrupting Canadians.

Proceed with caution

But the big question is what happens if rates go up or the economy takes a tumble. “If we were to get a big increase in the jobless rate or a big increase in interest rates, then there might be a little bit of trouble but, for now, neither of those two things are forecast,” says Reitzes.

Trahair is less sanguine about the situation. He says any unexpected event, from an illness to a decline in the housing market, could wreak havoc for a highly indebted family. He calls the lust for lines of credit “a ballooning debt bubble that eventually is probably going to burst.”

While Ali and Haji like to spend, they believe they’re behaving responsibly and say they’re aware of potential pitfalls. That’s why they’re still undecided about another loan.

“If you get a line on this [house] and God forbid something happens to me or [my wife] and we are unable to sustain our lifestyle or stream of income that we have, then we would be in trouble and that may lead to us losing this house,” says Ali.

And that’s why some rooms in the family’s home remain empty. Ali shows CBC News his large, mostly barren master bedroom and talks about his grand plans to furnish it — sometime in the future.

“Without the credit line, it’s slow,” he laments.

But things could always change. The couple says just last week the bank called, inquiring if the family was interested in another loan.


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Written by Pyotr Ilyich Tchaikovsky
Performed by Kálmán Berkes and Tokyo Musashino Academia Musicae Symphony Orchestra (as the Tokyo Musashino Academia Musicae Chorus and Symphony Orchestra)
Courtesy of Hungaroton Classic
By arrangement with Source/Q and Naxos

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Music by Justin Hurwitz
Performed by La La Land Jazz Ensemble

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(from La Traviata )
Written by Giuseppe Verdi
Performed by Slovak Radio Symphony Orchestra and Chorus
Courtesy of Naxos
By arrangement with Source/Q

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Music by Justin Hurwitz
Lyrics by Damien Chazelle
Performed by Desiree Garcia
Courtesy of Justin Hurwitz and Damien Chazelle

Japanese Folk Song
Written by Rentarô Taki
Arranged by Thelonious Monk
Performed by Thelonious Monk
Courtesy of Columbia Records
By arrangement with Sony Music Licensing

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Traditional
Arranged by Justin Hurwitz

Tainted Love
Written by Ed Cobb (as Edward Cobb)
Performed by Soft Cell
Courtesy of Mercury Records Limited
Under license from Universal Music Enterprises

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Written by Justin Hurwitz
Courtesy of Cutting Edge Music (Holdings) Limited

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Music by Justin Hurwitz
Performed by La La Land Jazz Ensemble

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Music by Justin Hurwitz
Performed by La La Land Jazz Ensemble

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from Rebel Without a Cause (1955)
Written and Conducted by Leonard Rosenman
Courtesy of Warner Bros. Entertainment Inc.

Madeline
Music by Justin Hurwitz
Performed by La La Land Jazz Ensemble

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Music by Justin Hurwitz
Performed by La La Land Jazz Ensemble

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Music and Lyrics by John Legend (as John Stephens), Marius De Vries. Angelique Cinelu and Justin Hurwitz
Performed by John Legend
John Legend appears courtesy of Columbia Records/Get Out Our Dreams, Inc.

Surprise
Music by Justin Hurwitz
Performed by La La Land Jazz Ensemble

Boise
Music by Justin Hurwitz
Performed by La La Land Jazz Ensemble

Boy in the Park
Music by Justin Hurwitz
Performed by La La Land Jazz Ensemble

Cincinnati
Music by Justin Hurwitz
Performed by La La Land Jazz Ensemble


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Repipe Pioneer

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  • We have a Lifetime Warranty on ALL PEX- A Water Pipes and all Labor Workmanship.

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Most people that choose to repipe their home is caused having active leaks in their copper, CPVC, or galvanized plumbing systems that could or have caused extensive damage to their homes or possibly their neighbors have had water damage from their copper, CPVC, or galvanized plumbing system and they repipe their home to prevent a similar issue from happing to them. If you have a small leak in your copper, CPVC, or galvanized plumbing system you have two options repair or repipe your home? Yes, you can repair the leak to avoid the cost of a full repipe of your home, but it is more likely that you have to keep paying for more and more repairs in that copper, CPVC, or galvanized plumbing system. It is a better option to PEX repipe your entire home to avoid the repeated cost of repair after repair.

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How to Attract a Woman (with Sample Pick-Up Lines) #date #dating


#how to attract women

#

wiki How to Attract a Woman

Do most of the talking in the very beginning. This, of course, depends on the woman and the situation, but you want to avoid doing what most guys do, which is to put the conversational burden on her with redundant questions and digging for commonalities. Shoot to do about 75% of the talking, maybe a bit less. Your aim here is to demonstrate your fantastic personality and high value. Try to keep the conversation light, fun, and playful. What conversation starters might you use? There are plenty:

  • The cocky, playful alpha guy:
    • “I know you probably get this a lot, but you’re absolutely the most stunning woman I’ve seen. in the last three minutes.”
    • “My friend had to drag me out tonight, but I’m finally glad he did, because seeing you, right here, right now, was worth it.”
  • The slightly shy, bashful guy:
    • “I’m sorry this is awkward, but I get really shy around pretty girls.”
    • “I’m glad you’re still here. I’ve been working up the courage to talk to you for half an hour, and I was worried I was going to have to embarrass myself in front of you totally sober.”
  • The up-front, matter-of-fact guy:
    • “Hi, my name is [name], what brings you here tonight?”
    • “This is the part where I introduce myself and you smile and let me buy you a drink, is that right?”
    • “I’ve been trying to think of an excuse to talk to you, but I got nothing. Can I just tell you an interesting story that happened to me the other day?”

Avoid mundane subjects like work, politics, or anything negative. Be in control of the conversation, but don’t be controlling. Don’t let yourself slip into interview type questions, like “Where are you from?” or “What are you doing here?” Try to tap into your slightly dangerous, but still controlled, side, and feed off that energy.

  • If she brings up subjects that you think might steer the conversation down the wrong path, gently push the conversation in another direction. Saying something that has something to do with the topic, but is funny, light, and might bring a change of topic.
  • If she keeps coming back to the subjects you think are leading the conversation astray, you have two options:
    • Feed off of the energy of that topic, since she seems to want to talk about it.
    • Find an elegant, respectful way to leave the conversation, and instead focus on someone else. A simple “It was nice talking to you” should do the trick.

Move past obstacles with grace. Many women will say they have a boyfriend if they don’t have enough attraction for you yet. At the same time, many women who say they have a boyfriend actually have one, so you’ve reached an obstacle. Don’t fret, though, because an obstacle is made to be overcome. You’ll move past it with grace.

  • If a woman says “I have a boyfriend, I’d prefer it if you didn’t talk to me,” just smile, tell her it was nice talking to her, and move on to another candidate. Sometimes life gives you bad lemons.
  • If a woman says “I have a boyfriend,” and leaves it at that, you can say: “That’s fine, I respect that. Do you mind if we keep chatting?” If she says yes, keep on working. You’re making lemonade out of lemons.
  • Don’t assume that you’ll be able to convince a woman in a relationship or marriage to part with her number. Maybe you don’t even want to be that guy. If a girl mentions her boyfriend, you probably want to start looking elsewhere unless your dying wish is to get her number.

Be outcome-independent. Prime yourself not to care whether you get her attraction or not. If she’s attracted to you, that’s a bonus; if not, you’ll move on to another interesting girl.

  • If you tell yourself that you need her attraction because your ego can’t take rejection, you’ll be sorely hurt, over and over again, because you will be rejected at some point. Rejection is natural. If you’re so hurt or disappointed because you missed a single opportunity, you’ll miss out on the thousands of other opportunities that await you.

How to Get a Girlfriend

How to Look Attractive (Guys)

How to Ask a Girl Out

How to Get a Guy to Like You

How to Attract Girls

How to Get a Girl to Be Your Girlfriend

How to Win a Girl’s Heart

How to Get a Girl’s Phone Number

How to Pick Up a Girl

How to Tell when a Girl Is Interested in You


How to Attract a Woman (with Sample Pick-Up Lines) #dating #fat


#how to attract women

#

wiki How to Attract a Woman

Do most of the talking in the very beginning. This, of course, depends on the woman and the situation, but you want to avoid doing what most guys do, which is to put the conversational burden on her with redundant questions and digging for commonalities. Shoot to do about 75% of the talking, maybe a bit less. Your aim here is to demonstrate your fantastic personality and high value. Try to keep the conversation light, fun, and playful. What conversation starters might you use? There are plenty:

  • The cocky, playful alpha guy:
    • “I know you probably get this a lot, but you’re absolutely the most stunning woman I’ve seen. in the last three minutes.”
    • “My friend had to drag me out tonight, but I’m finally glad he did, because seeing you, right here, right now, was worth it.”
  • The slightly shy, bashful guy:
    • “I’m sorry this is awkward, but I get really shy around pretty girls.”
    • “I’m glad you’re still here. I’ve been working up the courage to talk to you for half an hour, and I was worried I was going to have to embarrass myself in front of you totally sober.”
  • The up-front, matter-of-fact guy:
    • “Hi, my name is [name], what brings you here tonight?”
    • “This is the part where I introduce myself and you smile and let me buy you a drink, is that right?”
    • “I’ve been trying to think of an excuse to talk to you, but I got nothing. Can I just tell you an interesting story that happened to me the other day?”

Avoid mundane subjects like work, politics, or anything negative. Be in control of the conversation, but don’t be controlling. Don’t let yourself slip into interview type questions, like “Where are you from?” or “What are you doing here?” Try to tap into your slightly dangerous, but still controlled, side, and feed off that energy.

  • If she brings up subjects that you think might steer the conversation down the wrong path, gently push the conversation in another direction. Saying something that has something to do with the topic, but is funny, light, and might bring a change of topic.
  • If she keeps coming back to the subjects you think are leading the conversation astray, you have two options:
    • Feed off of the energy of that topic, since she seems to want to talk about it.
    • Find an elegant, respectful way to leave the conversation, and instead focus on someone else. A simple “It was nice talking to you” should do the trick.

Move past obstacles with grace. Many women will say they have a boyfriend if they don’t have enough attraction for you yet. At the same time, many women who say they have a boyfriend actually have one, so you’ve reached an obstacle. Don’t fret, though, because an obstacle is made to be overcome. You’ll move past it with grace.

  • If a woman says “I have a boyfriend, I’d prefer it if you didn’t talk to me,” just smile, tell her it was nice talking to her, and move on to another candidate. Sometimes life gives you bad lemons.
  • If a woman says “I have a boyfriend,” and leaves it at that, you can say: “That’s fine, I respect that. Do you mind if we keep chatting?” If she says yes, keep on working. You’re making lemonade out of lemons.
  • Don’t assume that you’ll be able to convince a woman in a relationship or marriage to part with her number. Maybe you don’t even want to be that guy. If a girl mentions her boyfriend, you probably want to start looking elsewhere unless your dying wish is to get her number.

Be outcome-independent. Prime yourself not to care whether you get her attraction or not. If she’s attracted to you, that’s a bonus; if not, you’ll move on to another interesting girl.

  • If you tell yourself that you need her attraction because your ego can’t take rejection, you’ll be sorely hurt, over and over again, because you will be rejected at some point. Rejection is natural. If you’re so hurt or disappointed because you missed a single opportunity, you’ll miss out on the thousands of other opportunities that await you.

How to Get a Girlfriend

How to Look Attractive (Guys)

How to Ask a Girl Out

How to Get a Guy to Like You

How to Attract Girls

How to Get a Girl to Be Your Girlfriend

How to Win a Girl’s Heart

How to Get a Girl’s Phone Number

How to Pick Up a Girl

How to Tell when a Girl Is Interested in You


How to Attract a Woman (with Sample Pick-Up Lines) #single #matchmaker


#how to attract women

#

wiki How to Attract a Woman

Do most of the talking in the very beginning. This, of course, depends on the woman and the situation, but you want to avoid doing what most guys do, which is to put the conversational burden on her with redundant questions and digging for commonalities. Shoot to do about 75% of the talking, maybe a bit less. Your aim here is to demonstrate your fantastic personality and high value. Try to keep the conversation light, fun, and playful. What conversation starters might you use? There are plenty:

  • The cocky, playful alpha guy:
    • “I know you probably get this a lot, but you’re absolutely the most stunning woman I’ve seen. in the last three minutes.”
    • “My friend had to drag me out tonight, but I’m finally glad he did, because seeing you, right here, right now, was worth it.”
  • The slightly shy, bashful guy:
    • “I’m sorry this is awkward, but I get really shy around pretty girls.”
    • “I’m glad you’re still here. I’ve been working up the courage to talk to you for half an hour, and I was worried I was going to have to embarrass myself in front of you totally sober.”
  • The up-front, matter-of-fact guy:
    • “Hi, my name is [name], what brings you here tonight?”
    • “This is the part where I introduce myself and you smile and let me buy you a drink, is that right?”
    • “I’ve been trying to think of an excuse to talk to you, but I got nothing. Can I just tell you an interesting story that happened to me the other day?”

Avoid mundane subjects like work, politics, or anything negative. Be in control of the conversation, but don’t be controlling. Don’t let yourself slip into interview type questions, like “Where are you from?” or “What are you doing here?” Try to tap into your slightly dangerous, but still controlled, side, and feed off that energy.

  • If she brings up subjects that you think might steer the conversation down the wrong path, gently push the conversation in another direction. Saying something that has something to do with the topic, but is funny, light, and might bring a change of topic.
  • If she keeps coming back to the subjects you think are leading the conversation astray, you have two options:
    • Feed off of the energy of that topic, since she seems to want to talk about it.
    • Find an elegant, respectful way to leave the conversation, and instead focus on someone else. A simple “It was nice talking to you” should do the trick.

Move past obstacles with grace. Many women will say they have a boyfriend if they don’t have enough attraction for you yet. At the same time, many women who say they have a boyfriend actually have one, so you’ve reached an obstacle. Don’t fret, though, because an obstacle is made to be overcome. You’ll move past it with grace.

  • If a woman says “I have a boyfriend, I’d prefer it if you didn’t talk to me,” just smile, tell her it was nice talking to her, and move on to another candidate. Sometimes life gives you bad lemons.
  • If a woman says “I have a boyfriend,” and leaves it at that, you can say: “That’s fine, I respect that. Do you mind if we keep chatting?” If she says yes, keep on working. You’re making lemonade out of lemons.
  • Don’t assume that you’ll be able to convince a woman in a relationship or marriage to part with her number. Maybe you don’t even want to be that guy. If a girl mentions her boyfriend, you probably want to start looking elsewhere unless your dying wish is to get her number.

Be outcome-independent. Prime yourself not to care whether you get her attraction or not. If she’s attracted to you, that’s a bonus; if not, you’ll move on to another interesting girl.

  • If you tell yourself that you need her attraction because your ego can’t take rejection, you’ll be sorely hurt, over and over again, because you will be rejected at some point. Rejection is natural. If you’re so hurt or disappointed because you missed a single opportunity, you’ll miss out on the thousands of other opportunities that await you.

How to Get a Girlfriend

How to Look Attractive (Guys)

How to Ask a Girl Out

How to Get a Guy to Like You

How to Attract Girls

How to Get a Girl to Be Your Girlfriend

How to Win a Girl’s Heart

How to Get a Girl’s Phone Number

How to Pick Up a Girl

How to Tell when a Girl Is Interested in You