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  • March 14, 2019 8:01 PM PDT
    St Lucia is an island country in the Caribbean with tropical weather and enchanting sceneries , which attracts tourists from various corners of the globe. It is an ideal destination for those who wish to escape the hustle-bustle of their home countries and unwind in the midst of serene natural surroundings. You can also indulge in some thrilling outdoor activities during your time spent in this beautiful island country. Of course, among the most fascinating and popular aspects of the island nation that impress tourists are its white-sand beaches.


    One of the best beachside experiences you can enjoy during your cheap St Lucia holidays would surely be on the Marigot Bay. It is home to many smaller beaches that are set against the backdrop of swaying palms. Although there are times when this beach gets crowded with plenty of tourists, you can find some secluded spots that give you the opportunity to relax under the warm rays of the sun and enjoy some mesmerising views. The white-sand beaches of this bay have also been featured in several Hollywood films , which became one of the many reasons for their immense popularity.

    Yet another charming beach worth visiting during your St Lucia holidays is the Sugar Beach, situated between the Piton Mountains. Its attractive crystal-like sand is liked by tourists who arrive on this beach to spend some relaxed moments. You'll also have the pleasure of enjoying the views of the Piton Mountains and the amazing waters of the Caribbean Sea while relaxing on this beach. Some parts of Sugar Beach are covered by a resort, but the northern part is open to visitors. It is located just a few kilometres away from Soufriere on the west coast of the island destination.


    Far from the popular tourist spots , Grand Anse offers you the kind of serenity that many of the tourists look for during their St Lucia holidays. Set against the backdrop of magnificent cliffs, this gorgeous stretch of powdery sands was once a plantation area. This place can be perfect for honeymooners, who can enjoy some quality time together in its serene environs and take their romantic walks on the wonderful sands. It is also a favourite among those who like to see the endangered turtles. They are the leatherback sea turtles that come out of the water to lay their eggs on the shores and this is the time when visitors would get to watch them.


    Reduit Beach is for those who wish to indulge in some exciting activities like scuba diving , sailing, and snorkelling. It is located on the northern edge of the island country and has some elegant hotels located nearby. It is popular among the guests of the hotels as well as the passengers of cruise ships. You'll also find many local operators who rent lounge chairs and equipment for various water sports. Other facilities on the beach include several eateries and restaurants. If you wish to go island-hopping, you can charter a boat and explore the islands located near the beach.

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    Fixed Rate Home Equity Loans

    Posted by nick_niesen on October 29th , 2010


    A fixed rate home equity loan, sometimes called 'second mortgage', is a borrowing against the equity of your home. Equity means the current market value of your home minus the outstanding liability. Certain percentage of that net worth is advanced as loan. This is known as Loan To Value (LTV) ratio. Disbursement of the amount sanctioned is made in one lump sum. Normally you can choose up to thirty years for amortization. The amount of monthly repayment inclusive of interest is fixed.


    Lenders usually stipulate a minimum and maximum for the amount that can be sanctioned. The longer the amortization term , the interest rate will be higher though fixed. You must decide on the period for which the loan is to be taken based on your repayment capacity. The interest paid qualifies for tax deduction in most cases. The money obtained through the loan can be used for any purpose that you choose. It is prudent to utilize the funds to pay off high interest bearing advances like credit cards. If the money is spent for home improvement, your equity enhances.


    Before applying for the loan it is wise to analyze the specific purposes for which the funds are required. Obtain a few quotations from different lenders and do a comparative study of the terms and conditions. Be wary of loan sharks and hidden costs. And remember that the cost of a loan is not constituted by interest alone. The chances are that there will be closing charges. Some lenders may stipulate other fees as well. A penal charge being imposed for pre-closing the loan is quite common. Those with poor credit rating may find it easier to obtain home equity loans.


    There are risks involved. If repayments are not made on time, you could end up losing your house. If the house is sold before paying off the loan the money you get in hand will be limited.


    Get all your doubts clarified before signing on the dotted line. Check with your financial advisor. Or you could get free consultancy from organizations approved by the U.S. Department of Housing & Urban Development (HUD).

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