A home loan, or a home equity loan, is the fixed lump sum amount borrowed against your home’s built-up equity. The lenders allow you to borrow 85 percent of the home’s equity. The usual repayment period is between 5-30 years, and there is a fixed interest rate applicable. So, let’s find out who are the best providers of home equity loans.  PenFed Credit Union PenFed has been in the running for over eight decades and has an open charter. This implies that there is zero military affiliation needed. For joining, you will have to open and maintain a savings account with a minimum of $5. Residents of all 50 states can avail themselves of their home loans facility. Some of the loans that you can seek are VA mortgage, jumbo, and fixed conventional loans, along with refinancing and home equity loans. Your minimum credit score should be 700.  Bank of America This lender offers conventional loans, Federal Housing Administration, jumbo, Department of Veterans Affairs, mortgage refinancing, and home equity lines of credit. The maximum loan amount that you can avail of is $2.5 million. For qualifying Merrill Lynch and Bank of America clients, the bank provides origination fee discounts. Discover Home Loans Discover Home loan is renowned for its transparency when it comes to the fee on home equity loans. Interest rates are fixed and are usually within the range of 3.99-8.99 percent for first liens and 11.99 percent for second liens. To apply for a loan with Discover home, you must have substantial equity in your home and a good credit score.  Regions Bank When subscribed to autopay, Regions Bank provides you with home equity loans starting at 3 percent APR. You get loans at a fixed interest rate and zero closing cost. You can get the loans for a term of 7, 10, 15, or 20 years. A line of credit for this home equity loan is available at an introductory rate of 0.99 percent for the initial six months. After the introductory period, the interest ranges from 3.75 percent to 10.75 percent.  PNC Bank Residents from all 50 states can avail of this firm’s services. At present, PNC serves over eight million customers and can provide you with all kinds of mortgages, such as FHA, ARM, home equity line of credit, fixed-rate, medical professional mortgage program, USDA, PNC Community, refinancing, jumbo, and VA.  

Want the latest SUV from Toyota? Want to be prudent in your spending? If your answer is yes to both questions, then start looking up the fantastic deals and offers from Toyota this summer. They have announced a range of incentives that is as extensive as their assortment of SUVs on sale. There’s one to suit every one of your desires. Go check out the nearest Toyota showroom right away. You can save thousands of dollars with Toyota’s financing and lease deals. A low APR on some models, cash backs on others, college and military rebates on some, it is truly customer friendly and affordable for all, even for those who have just started earning and do not have large savings. With three year lease periods and between $169 and $375 per month, and a $2999 upfront payment in the beginning on all Toyota SUVs, they are indeed tempting customers with their grand approaches. With nil or very low interest rates on some cars, and a finance period of up to 6 years, there is no reason to shy away from your dream of owning a Toyota SUV at once. And, if you are one of those who have saved up for a while to buy a Toyota, then you would definitely benefit from the up to $2000 cash back that is generously offered by the company. If you are a student who would graduate in the next six months or have already graduated within the past two years, then you are eligible for a $1250 college graduate rebate offered by Toyota. Likewise, if you are an active military or an inactive reserve personnel, you can avail a benefit of $750 cash rebate on many models of brand new Toyota utility vehicles. In addition, if you require a free trade-in valuation of your old car by an independent third party resource, that is also made possible in just a few minutes. The whole line of Toyota SUVs from 2017 and 2018 are spattered with exciting offers. Which one is yours?

Are you planning to remodel your old kitchen and looking for some elegant yet useful items? Whether it is kitchen remodeling or simply decorating a new kitchen, you need to select everything appropriately. Each and every piece, right from the kitchen counters to the sinks, faucets or cabinets should be purchased with due care. Particular attention should be given to the cabinet selection, as a non-functional cabinet can affect the usefulness of your kitchen to some considerable extent. Importance should also be given to its look or else, it will dampen the beauty of the entire area. Selecting the right type of kitchen cabinet for your home can be quite time-consuming. To get the job done at ease, you can look out for best kitchen cabinets online. Purchasing kitchen cabinets online for the first time can be tricky for some people. However, if you follow some simple tips, you can easily find the best kitchen cabinets online for your home. Search reputed stores- Nowadays, you can find multiple stores offering the product of your choice. However, that does not mean you can get the necessary item from any of the stores. To get the best value for your money, you need to find outlets of good repute. Browse through the collection of these stores and shortlist the ones that you find suitable for your kitchen. Shortlisting will help you in making the final decision at ease. Decide the decoration scheme of your kitchen- Before starting the selection procedure of your kitchen cabinet, it will be ideal for you to determine your needs. Whether you are planning the decoration theme on your own or you are consulting a designer for the job, deciding on the decoration scheme of your kitchen is essential. Purchasing a cabinet without planning the entire decoration theme can lead to mismatch later, which in turn can have an adverse effect on the aesthetics. Know your budget- When you are looking for the best kitchen cabinets online, you will get to see a wide variety of elegant as well as functional cabinets. However, all of them might not be in your budget. To avoid any confusion with the kitchen decoration budget, it will be ideal for you to determine the amount that you can spend on purchasing cabinets. Narrow down your search as per your budget and preference to find the best cabinet at ease. Measurement is important- Whether you buy kitchen cabinets online or from any retail store, it is essential for you to provide the measures accurately. The length, breadth, depth, as well as height of the cabinet, should be considered with due care or else, it will not be possible for you to fit it appropriately in your kitchen. To get the best value for your money, you can search for the stores, which offer free installation services. Search for the reviews- This is another critical factor to be taken into account when you are looking for the best kitchen cabinets online. Almost all the stores offering kitchen cabinets praise their products. However, all of them are not equally good. To find the best of the rest, you can check out the reviews offered by different customers. You can check the reviews on the online store itself or on the forums operating on the web. Though there is no dearth of online stores offering kitchen cabinets for homes, all of them might not be authentic. To stay away from the fraudulent stores, it will be ideal if you find and verify the authenticity of the store before making the purchase. Always use secure transaction methods to avoid scams.

Before you decide to switch to a gluten free diet let us know what really gluten is and how does it affects your body. Gluten is type of protein found in grains. The main function of this form of protein is to give the grain its shape. Some of the grains that are notorious for having high amount of gluten in them are; wheat, rye and barley.

People who are sensitive to gluten offer suffer from an ailment called celiac disease. In this condition, the body treats the gluten in the grain as a foreign substance and attacks it thus harming the inner lining of the gut. This causes nutrient deficiency, anemia and other digestive related issues.

There are people who do not suffer from celiac diseases but still are sensitive to gluten found in the grain. The symptoms of non-celiac gluten sensitivity include severe diarrhea, bloating, tiredness.

To exclude gluten from your diet, avoid having food products made from wheat, rye and barley; some of them include breads, pasta, cereals, beer etc.

This does not mean that you deny your palate the awesome flavors that are out there. You can still have sumptuous food and pamper your taste buds.

If for a dinner, you are planning to have soup, rather than going for plain old gluten-rich soup, opt for a gluten-free lentil soup, lentils are rich in proteins and no, they are not gluten-loaded. To add to the taste, add a healthy serving of parsley or other leafy vegetable such as sautéed spinach and garnish it with fresh cream.

For appetizers, you can treat yourself with chicken salad. This salad has a great flavor, and packs a lot of healthy (gluten free) ingredients. Add a healthy serving of sour fruits and vegetables to a bowl full of chopped cooked chicken. If that is too bland for you then you can pour in a protein-packed peanut dressing which will enhance its taste.

If you had a rather exhausting day and do not wish to cook anything fancy for a dinner and still wish your dinner to be gluten free, then just add tender steak with chopped mushroom and bell peppers (sautéed preferably) to your gluten free corn tortillas, there you have it, an easy weeknight or weekend dinner idea. Garnish it with a healthy serving of fresh cilantro and grated cheese to make them taste even better.

Car maintenance is something everyone should do periodically. So, it is necessary to prepare a checklist to work on a routine of every month. It sounds displeasing but having a regular check up will save you a great deal of money. Maintaining your car right will extend its life and prevents expensive repairs. Regular DIY repairs will pervert from causing major issues with your car namely sudden break downs, tire wear, battery connections and more. Here is a car maintenance checklist that you would all like to know. Check on oil: This is the first and best check up that you can do to keep your car in good running condition. It's always good to refer to the user's manual to check when to change the oil if your car is new otherwise it is advisable to change the oil for every 3000 miles. Check tire pressure: Check the air pressure in your car tires regularly. Set the exact pressure in your tires not more not less. If the pressure is more, there are chances for the tire to stretch or crack if the pressure is less speed will reduce and tire will become wobbly and cause more chances for tire wear and tear. Replace engine air filters: Replacing your engine air filter is very important if you frequently drive open roads. You can refer to the user's manual for fitting a new air filter or check out some tutorial online. You need to change the air filter estimating the mileage of your car. If it has run more than 4000 miles, then there is no doubt that the air filter is dirty and it's time to replace. Check on battery condition: Have a regular check on your battery condition. If you find any leaks or cracks, then it's time to replace your battery. Corrosion at the battery terminal leads to poor connection which stops the car from getting started, so it is important to make sure the battery terminals are tightly connected. Check on windshield wipers: Check on your wipers as they get dirty soon being exposed to dust regularly. At some point the rubber will become hard and cracks letting the dirt to stay in and the hard rubber will create scratches spoiling the front glass. You need not spend money on changing the whole set but replace with rubber refills that cost only few bucks. Use lubes: As your car runs in hot sun or during cold it not only attracts dirt but also the temperature variation makes the lube evaporate or harden that will cause screeching noise when you open or close the door, when applying brakes and from wheels. If you just let it go then the parts will become dry and start to rust. The purpose of the lube is to reduce surface fiction and prevent engine from heating.

With the usage and demand for credit cards evolving in the country, there is a fine line of difference between regular debit or credit cards and corporate prepaid cards, which specially cater to business owners. It has proven to be a great way to foster greater entrepreneurship initiatives since smaller businesses have lesser credit to start off work in the initial years. There are many more advantages such as regulating the expenses between a team or group of employees and keeping a track of it. The owner may load it with any amount of money he or she wishes to. They may also save money since prepaid cards have proven to be much cheaper than transactions in cheque or traditional cash. Here are the top two prepaid business credit cards:

• Netspend The Netspend Small Business Prepaid Mastercard® offers a variety of options to business owners on their corporate prepaid card such as having as many as 10 subaccounts after verifying their ID and being able to have a maximum balance of $25,000. Employees may spend up to $5,000 a day. This prepaid business credit card may be issued within 7-10 days of application and no annual fees are charged for the same. Cheque, direct deposit, or even an Automated Clearing House (ACH) transfer may be done physically across 130,000 and more reload locations or on the smartphone, taking 2-3 days for funds to be loaded. A subaccount fee costs $1.95 per month while the master account is worth $10 per month. The account may also receive rebates on certain eligible purchases through the Mastercard Easy Savings plan in which codes or coupons are required to be bought or shown.

• Bento Bento is a prepaid Mastercard that gives a free 60-day trial to business owners. It takes 5 minutes to acquire them without any set-up fees to be paid for the same. In fact, Bento offers two more cards for free, allowing owners to add more balance to spend on these cards. There is no credit limit and businesses may load up to $25,000 to spend. They may be used as employee cards, project cards (for each project, area or supervisor) or expense cards (basic daily expenses). The biggest advantages, however, are the cards that are like an interactive dashboard. They give the owner an overall view of the activities. Also, its synchronization with QuickBooks ensures an automated bookkeeping and the formation of monthly statements or other receipts within minutes.