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Kochi , which was earlier known by the name of Cochin is modern port city located in the Kerala state of India. Kochi is an integral part of the district of Ernakulam that is located on the western part of the mainland Kochi. The Corporation of Cochin is the civic body that governs the region of Kochi and the constituting body was formed in the year 1967. The two statutory bodies that govern the development of the Kochi city are Greater Cochin Development Authority and Goshree Islands. Accommodation options available in the city of Kochi vary from Kochi medium range hotels to high class luxury hotels that cater travellers with all the modern amenities.
The cosmopolitan culture of Kochi is very much influenced by the ancient trading partners like Portuguese, Dutch, Arab, Japanese and Chinese. The Latin seat of Kerala , Kochi has several Catholic Churches and followers. Kochi has a long history behind its evolution that showcases the fusion of different communities starting with the Syrian Christian Communities immediately followed by the Jews between the 7th and 10th century. Earlier in the 5th century, there were Arab merchants that made a strong settlement along with the Gujaratis. The main reason that brought all these communities into Kochi was the sole trade of Spices.
Kochi experiences a tropical type of climate with the temperatures ranging from 30 to 35 degree Celsius in the daytime and 24 degree Celsius at night. Starting in the mid month of May, Kochi experiences heavy rainfall till the first week of September month. Travellers come here in large flocks to enjoy the place from the months of August to February and especially in the month of December, which sees huge inflow of travellers. It is during the same month most of the Kochi medium range hotels are occupied because of the Cochin Carnival and Xmas celebrations.
Hunting For The Best Home Equity Loan
Posted by nick_niesen on October 29th , 2010
There is no doubt about the fact that a home equity loan offers several key advantages. However there are also a multitude of home equity loan lenders out in the market today. What is the best way to choose the home equity loan that聮s best for you?
Essential criteria
If you are a first time borrower of a home equity loan it is imperative that you have a checklist of essential questions that you need to ask each and every lender. The answers to these questions will provide a valuable reference to base your comparisons on.
聲What聮s the interest rate? Knowing this is crucial. The interest rate will determine the monthly payment you will need to make. You also need to know if the interest rate is of a fixed or adjustable nature. Fixed rate implies that the monthly payments will remain constant, while an adjustable rate implies that rates will fluctuate depending on market conditions.
聲In adjustable rate, when will rates change? If your interest rate on the home equity loan is of the adjustable variety, you need to know three things: when the rate is going to change (that is under what conditions) , how frequently will the rate change and what聮s the average percentage by which the adjustable rate will change.
聲What is the Annual Percentage Rate or APR? The APR on the home equity loan will determine the yearly payment you will need to make towards this.
聲How much do I need to pay in points? Usually points are closely related to the interest rate on a home equity loan. The higher the payment in terms of points, the lower is the interest rate.
聲What are the applicable fees? There are various types of fees included in a home equity loan such as appraisal fee, broker fee, document preparation fee , funding or lender fee, application or loan processing fee, underwriting or origination fee, etc. Knowing the applicable fees can help you know what to expect in the monthly statements of the home equity loan. Plus it will also help manage and plan your finances better.
聲What聮s the duration of payment? The time period within which you need to pay off your home equity loan will determine to a large extent the state of your current finances. Having a longer duration means that you can space out the installments better and thus save more.
聲Is there a balloon payment? Many times a home equity loan will require you to only make payment towards the interest every month. Then at the end of the loan payment duration , the entire principal amount will need to be paid by you in full. This is also known as balloon payment and can significantly eat into your expenses when it comes. To avoid this, it聮s best to ask the home equity loan lender if such a condition exists. This will allow you to be prepared for a financial crisis later on.
Safes: 3 Major Historical Developments Family Articles | May 15, 2009
For hundreds of years, people just used wooden strong boxes to protect valuables. But with the advent of the nineteenth century , the challenge of developing safes that could really protect against burglary and fire became the challenge to many innovative men. Let's take a look at three important developments in the evolution of modern safes.
If you have ever seen a Robin Hood movie (animated or not), you may have noticed that when Robin robbed from the Sheriff of Nottingham, the gold was often kept in a wood box that was bound with iron straps. These were called strong boxes, and are the precursor to modern day safes. It seems rather obvious that a wood box has limited security potential , and offers almost no protection against fire, but it wasn't until the late 1700's that we started seeing serious efforts in what would become modern day safes. Let's take a look at three of the these developments.
The first, and probably most obvious upgrade was in the late 1700's. Though cast iron strong boxes may have been around on a. |
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