3 Tips to Staging the Outside of Your Home Like a Pro

Are you granted in putting your house up for sale, but not sure where to start? Afraid it will takes too long to sell, or that you did not get the price you want? Think about “staging” your home, or in other words, setting the scene for instant buyer interest in your property.

To be really influential, you need to look at both the outside and the inside of your home. Here are 3 tips to get you begin with the outside of your home:

1. Go stand on the street to see what clients see when driving up to the house. Be conscious that any negative assumption they get outside the house (landscaping not maintained or non-existent, peeling paint, etc.) is just going to make them devise that the house itself has not been well taken care of. So even if you have spent the time and money to arrange the interior, it would all be wasted if the clients get a bad first impression as they drive up to the house.

2. Next, step outside your front door and close the door; then place on the stoop and look around for 5 minutes. While the realtor fumbles for keys and tries to think out how to open the door, the clients are standing behind and looking around. So what are they seeing? Dead plants, old Halloween decorations in the middle of January, cobwebs?  Again, not a good first impression!

It’s certainly worth it to take some time and clean it up. Want to go a step further? Try a new coat of paint or some new furniture or accessories.

3. Don’t neglect the backyard. While that might not be part of the possible buyers’ first impression experience, you still must make sure it’s in the best condition possible. Pull up weeds, water plants, do some sweeping (if that’s applicable in your case) and maybe even purchase new furniture or accessories (plant pots, bird houses, etc.)

And the large tip of all? Imagine yourself as a possible buyer looking at your property for the very first time. What impressions are you getting? Would YOU buy your house? What would you like to see changed before you put an offer on your house?

And don’t worry about utilizing several thousand dollars to get your house ready to sell – you’ll get it all back when your house sells. Proper staging support you sell your house in a shorter time and at the price you want.

3 Tips For Keeping Proper Tax Records For Your Home Business – And Keeping The IRS Happy!

The last thing most people conceive about when starting a business is doing taxes. But proper planning will make making your taxes much easier - and keep the IRS happy!

Here are 3 easy tips for keeping proper records:

1. Whenever you buy something for your business, keep the receipt!

Not only will this make record keeping a lot easier, but if you are ever audited (having your tax return reviewed in detail by the IRS), you can verify your expenses, and save yourself money.

2. Write down all your expenses and income as they happen.

As your business grows, you'll have more and more activities to make you busy. The last matter you'll want to do each April 15 is to establish your records for the year. So, it's the best idea to write down all your financial activities as they take place. You'll see preparing your taxes will take much less time if you are organized.

3. Learn how to save money on your taxes.

As you know about taxes, you'll see that there are many deductions (expenses that reduce your income, and therefore your taxes) you can take that are not noticeable. When using your home office, you might be able to deduct (at least partially) repairs you make around the house, utilities, and your home's value at the time you start your business, and more.

The more you know about taxes, and the more organized you are in keeping records, the more time and money you'll save at the end of every year!

What happens if you don't keep proper records?

Each with small businesses are the most probable to have their tax returns audited by the IRS. If you don't have a receipt, you will likely lose the deduction and owe the IRS money.

And while an audit does not have to be feared, you should be prepared - the more organized your records, the easier it will be to prove your case.

If you don't get one, get a file box and some folders at your local office supply store (these supplies are deductible, so keep your receipts!) and make a filing system for your business. Put all your receipts in the proper folders, and put them in a safe place.

One more way to save yourself time is to record all of your business transactions - expenses and income - on a spreadsheet on your computer. Keep a column for income, advertising, supplies, etc. You don't need to be a computer expert. But keeping right, organized records will help you save time when you fill out your taxes at the end of the year.

And it can assist you plan, by giving you a snapshot or your financial progress once you need it.

Which might come in handy when you need to place ads, borrow money - or take a much needed and well-deserved vacation!

3 Things To Look For In A Credit Repair Company Online

If it's been a while since you've see at your credit report, you may be amaze to find errors, mistakes, or even a black mark or two. Luckily, a Credit Repair Company can help you rectify those mistakes and erase those black marks. Watch out for scammers, though, and select a reputable Credit Repair Company with these tips:

Don't pay anything up-front

Evade a Credit Repair Company that wishes you to hand over a fee or payment before they meet with you. Dignified companies will first talk to you, evaluate your credit report and discuss your current situation before requesting for any type of payment for their services. An up-front fee is a red flag that the company will likely take your money and run. And whatever type of charges you may incur be sure they aren't exorbitant. If a Credit Repair Company demand your case will cost thousands of dollars, look for another one.

Watch out for "re-inventors"

Other companies will tell you that you can exterminate your credit slate clean by "re-inventing" yourself with a new social security number. But that's not true! In few cases, what they plan to do is get you a new credit report by applying for an Employee Identification Number (EIN)--used by businesses--which taking after a social security number, and you're told to use it as such. But this ability, known as "file segregation," is a scam, and it's also illegal! Evade any Credit Repair Company that suggests this practice.

Look for one that helps you help yourself

The best Credit Repair Company will tell you (for free!) what you can do yourself, such as writing letters to creditors and making contact and the credit reporting bureaus about errors. Avoid any Credit Repair Company that persuades you to do anything illegal or unethical--such as debating a legitimate charge or fee on your credit report.

Before signing up with any Credit Repair Company, make sure you check with the Better Business Bureau. They'll have records of any formal complaints against the company, so you can avoid scammers and rip-off artists.

3 Things To Know About Jumbo Mortgage Loans

A jumbo mortgage loan is among whose total amount is over $417,000 - Loans above this threshold are only not so different than those below, yet those variation can be dramatic to borrowers unaware with such a marketplace. It is also crucial to note that the ceiling for standard mortgage loans as contrary to Jumbo loans is not set in stone and is thus subject to change at any time. This amount is certain by the two largest lending organizations in the United States, Freddie Mac and Fannie Mae.

One of the most essential differences with a jumbo mortgage loan will be the interest rate - Since lenders in regards homes with sale prices above the threshold to be “luxury” residences, they have presented a probable concern regarding successful resale of such homes, as well as a mark that appraisal values in this category do not amplify as steadily as those homes below the jumbo cap. For this cause, the lenders indicate that they are taking on more risk with such places; therefore higher interest rates are required to offset such liability.

Right alongside the superior interest rate will be a higher down payment requirement - It is nearly impossible to get financing for a jumbo mortgage without a down payment, and this is continuously related to the potential risks described above. Most jumbo mortgage lenders will need a minimum of 5-10%, and the amount will be dependent on the borrower’s credit.

Stricter documentation needed - Since the majority of jumbo mortgage loans are with “alternative” lenders such as insurance companies and private investment groups, these organizations will usually have stricter documentation demand that may include income and asset verification beyond what the standard mortgage lenders claim. Also, these alternative lenders will normally have loan programs that allow for longer loan terms than those offered to borrowers below the jumbo threshold. Typically, jumbo mortgages can have terms stretching as long as 40 or even 50 years.

Jumbo Loans are Becoming Prevalent - With the solid increase of residential real estate in the United States, the requirements of jumbo mortgage loans is becoming more and more widespread. Certain geographic regions have property values that have lately increased dramatically, therefore the increased instances of jumbo mortgages can be located by location. Borrowers, in particularly those in such areas, must familiarize themselves with the variant aspects of the jumbo loans to ensure they are not caught off-guard or unprepared.

3 Steps To Profitable Stock Picking

Stock choosing is a very complicated process and investors have different approaches. Anyway, it is wise to follow common steps to minimize the danger of the investments. This article will plot these basic steps for choosing high performance stocks.

Step 1. Choose on the time frame and the general strategy of the investment. This step is very valuable because it will command the type of stocks you buy.

Assume you decide to be a long term investor, you would need to find stocks that have sustainable competitive advantages along with stable growth. The key for discovering these stocks is by looking at the historical fulfillment of each stock over the past decades and do an easier business S.W.O.T. (Strength-weakness-opportunity-threat) analysis on the company.

If you think to be a short term investor, you need to adhere to one of the following strategies:

a. Momentum Trading. This tip is to look for stocks that amplify in both price and volume over the recent past. Most technical analyses help this trading strategy. My suggestion on this strategy is to look for stocks that have displayed stable and smooth rises in their prices. The conception is that when the stocks are not volatile, you can easily ride the up-trend until the trend breaks.

b. Contrarian Strategy. This method is to look for over-reactions in the stock market. Researches show that stock market is not always capable, which means prices do not always orderly represent the values of the stocks. When a company declared a bad news, people panic and price often drops below the stock's fair value. To choose whether a stock over-reacted to news, you should look at the potentiality of recovery from the impulse of the bad news. For example, if the stock drops 20% after the company loses a legal case that has no permanent damage to the business's brand and product, you can be credent that the market over-reacted. My tip on this strategy is to look a list of stocks that have recent drops in prices, analyze the potential for a reversal (through candlestick analysis). If the stocks reflect candlestick reversal patterns, I will go through the recent news to review the causes of the recent price drops to determine the existence of over-sold chance.

Step 2. Conduct researches that give you a choice of stocks that is steady to your investment time frame and strategy. There are many stock screeners on the web that can assist you find stocks according to your needs.

Step 3. Once you have a list of stocks to buy, you will need to vary them in a way that gives the greatest reward/risk ratio. One way to do this is conduct a Markowitz analysis for your portfolio. The analysis will give you the scale of money you should allocate to each stock. This decision is crucial because diversification is one of the free-lunches in the investment world.

These three steps must get you started in your quest to continue making money in the stock market. They will deepen your knowledge about the financial markets, and would give a sense of confidence that helps you to make better trading decisions.

3 Money-Making Reasons To Display Your Newsletter!

If you write content for your website, try not to attach the affiliate links in the body of your articles: it will give the inference that you have a vested interest in recommending them. You want your visitors to trust your advice, so don't turn your article into an excuse to promote products and make a commission.

Other methods to get your website noticed are to use article promotion and link exchanges. With link exchanges, you would ad text or graphic links of other relative sites onto your site, and they would ad your site information onto their site. This will get your site stand out by more people and will improve your search engine ratings.

Aside of buying links, get one-way links from blog search engines and directories, as well as taking your RSS feed content displayed at other sites.

3 Money-Making Reasons to Display Your Newsletter on Your Website

Seeing is believing. If not your website visitors can experience your newsletter and esteem its value, they’re unlikely to join your opt-in, email list. By posting your newsletter on your website, you urge more visitors to subscribe and you drive more essential traffic to your website each month.

- Growing your opt-in email list is one of your most valuable goals. Your success relies on encouraging a high percentage of website visitors to give their email addresses and permission to contact them for free via email. Many websites hoping visitors to opt-in to email lists without first giving an opportunity for visitors to ‘test drive’ the newsletter. This is like wearing a blindfold when shopping for a car! Thumbnails, reduced size images of newsletters, are not the answer. Visitors are not possible to read the value of its information before signing up. As an outcome, only a small portion of website visitors subscribe and - of those that do – many quickly unsubscribe.

- Your second large goal is to monetize your educational One-Page Newsletter by making immediate sales. For the first time, you can show your newsletter in the context of other text and graphic elements on a web page. Next to your newsletter, for example, you can display links to promotional coupons or links to special offers illustrate on other pages of your website. This is crucial because fewer and fewer firms are distributing formatted newsletters as email attachments. Instead, they are driving traffic to their website each month by sending short emails revealing the page on their website where they have posted the latest issue. You can now quickly convert this traffic into sales!

A lot of people have hopes and aspirations outside of their cubicles, but they rarely have the chance to explore these avenues because work and family promise clash to severely leave any extra time for themselves.

You need to continue keeping up the habit of understanding to grow your mind. This is the place where it can make you wealthy or the other way round. What is Duvet Dollar? See my Duvet Dollars reviews.

Before expend a lot of time and money marketing an affiliate program, continually check it out first. There are a number of methods to do this.

- The third money-making reason for showing your newsletter on your website is superior readership. Many visitors to your website will surely read your newsletter because they don’t have to first download it. This is the advantage to more sign-ups. The more alluring and informative your newsletter, the more likely visitors will sign-up to get it. You can verify the consistent high value of your newsletter by adding descriptive links to earlier issues.

Although Acrobat Reader PDF format is essential for distributing newsletters with typography and formatting intact, it is not helpful for previewing newsletters.

Macromedia’s Contribute 2 is a software program that incorporates Flash Paper technology. With Contribute 2, you can quickly add a readable, zoomable and printable version of your formatted newsletter to a page of your website.

This process will lead visitors to your website, without doing anything else, can quickly read and print your newsletter. The newsletter on your website will be an accurate replica of the original.

Flash Paper versions of your newsletters complement Acrobat versions of the copies you print on your office printer. For the first time, you can combine the credibility and constant visibility of educational newsletters with sales created by free, targeted promotional messages.

I’m connected to the Internet, I joined a program, now is the money going to pour in? That’s as far from the truth as you can get but to some people, that’s how it works. It seems that for many they think that all they have to do to generate income is to get online, join this and Holy Smokes, can I borrow your truck, I need to go to the bank to make a withdrawal.

Six Figure Income Marketing Group (SFIMG), are an international organization based in Nebraska, USA. The company is registered with the Better Business Bureau and has launched officially in July 2000.

Making money online is not scary. Making money online is not hard. Making money online is smart. The opportunities exist for businesses willing to get out there and try. Take the leap into the technological age and make money online. You will find you are among a growing community of individuals who have chosen to be their own boss and achieve their own goals.

3 Money-Making Reasons To Display Your Newsletter!

If you write content for your website, try not to attach the affiliate links in the body of your articles: it will give the inference that you have a vested interest in recommending them. You want your visitors to trust your advice, so don't turn your article into an excuse to promote products and make a commission.

Other methods to get your website noticed are to use article promotion and link exchanges. With link exchanges, you would ad text or graphic links of other relative sites onto your site, and they would ad your site information onto their site. This will get your site stand out by more people and will improve your search engine ratings.

Aside of buying links, get one-way links from blog search engines and directories, as well as taking your RSS feed content displayed at other sites.

3 Money-Making Reasons to Display Your Newsletter on Your Website

Seeing is believing. If not your website visitors can experience your newsletter and esteem its value, they’re unlikely to join your opt-in, email list. By posting your newsletter on your website, you urge more visitors to subscribe and you drive more essential traffic to your website each month.

- Growing your opt-in email list is one of your most valuable goals. Your success relies on encouraging a high percentage of website visitors to give their email addresses and permission to contact them for free via email. Many websites hoping visitors to opt-in to email lists without first giving an opportunity for visitors to ‘test drive’ the newsletter. This is like wearing a blindfold when shopping for a car! Thumbnails, reduced size images of newsletters, are not the answer. Visitors are not possible to read the value of its information before signing up. As an outcome, only a small portion of website visitors subscribe and - of those that do – many quickly unsubscribe.

- Your second large goal is to monetize your educational One-Page Newsletter by making immediate sales. For the first time, you can show your newsletter in the context of other text and graphic elements on a web page. Next to your newsletter, for example, you can display links to promotional coupons or links to special offers illustrate on other pages of your website. This is crucial because fewer and fewer firms are distributing formatted newsletters as email attachments. Instead, they are driving traffic to their website each month by sending short emails revealing the page on their website where they have posted the latest issue. You can now quickly convert this traffic into sales!

A lot of people have hopes and aspirations outside of their cubicles, but they rarely have the chance to explore these avenues because work and family promise clash to severely leave any extra time for themselves.

You need to continue keeping up the habit of understanding to grow your mind. This is the place where it can make you wealthy or the other way round. What is Duvet Dollar? See my Duvet Dollars reviews.

Before expend a lot of time and money marketing an affiliate program, continually check it out first. There are a number of methods to do this.

- The third money-making reason for showing your newsletter on your website is superior readership. Many visitors to your website will surely read your newsletter because they don’t have to first download it. This is the advantage to more sign-ups. The more alluring and informative your newsletter, the more likely visitors will sign-up to get it. You can verify the consistent high value of your newsletter by adding descriptive links to earlier issues.

Although Acrobat Reader PDF format is essential for distributing newsletters with typography and formatting intact, it is not helpful for previewing newsletters.

Macromedia’s Contribute 2 is a software program that incorporates Flash Paper technology. With Contribute 2, you can quickly add a readable, zoomable and printable version of your formatted newsletter to a page of your website.

This process will lead visitors to your website, without doing anything else, can quickly read and print your newsletter. The newsletter on your website will be an accurate replica of the original.

Flash Paper versions of your newsletters complement Acrobat versions of the copies you print on your office printer. For the first time, you can combine the credibility and constant visibility of educational newsletters with sales created by free, targeted promotional messages.

I’m connected to the Internet, I joined a program, now is the money going to pour in? That’s as far from the truth as you can get but to some people, that’s how it works. It seems that for many they think that all they have to do to generate income is to get online, join this and Holy Smokes, can I borrow your truck, I need to go to the bank to make a withdrawal.

Six Figure Income Marketing Group (SFIMG), are an international organization based in Nebraska, USA. The company is registered with the Better Business Bureau and has launched officially in July 2000.

Making money online is not scary. Making money online is not hard. Making money online is smart. The opportunities exist for businesses willing to get out there and try. Take the leap into the technological age and make money online. You will find you are among a growing community of individuals who have chosen to be their own boss and achieve their own goals.

3 Major Credit Bureaus – Which One Should I Contact?

There are 3 major credit bureaus that have news on your regarding your credit history. Whoever that has ever applied for a loan or credit of any kind has a file at one of the 3 major credit bureaus. Since trader usually report to only one of the 3 major credit bureaus, you might have to request a free report from all three to get an overall look at your credit report.

To claim a free credit report from either or all of the three major credit bureaus, all you have to do is to request a free report online. You can also send the request by mail and you have to give all your personal information. There are sites that will collect you for a credit report from one of the 3 major credit bureaus, but it is needed for you to know that by law you had right to one free credit report a year. You need contact the credit bureau directly to get your free report.

When you do accept your credit report from the 3 major credit bureaus there are specific sections of this report that you need to pay in detail attention to. The first section details your name and address. You need to check this to make sure that it is correct. If there are any errors in this section, you need to contact the credit bureau that sent the report with the correct information.

The next section will provide details of your current bills. Each of the three major credit bureaus may have the same information or one of the three may have variant information regarding your credit history rely on which merchants report to that credit bureau. You need also note that you might have an good credit record with two of the 3 major credit bureaus and a poor rating with the other.

Mark the listing of your bills, the quantity of the payment and the due date. If you have been late with a payment or missed one altogether, this will show up on the credit report you receive from the 3 major credit bureaus. You also must to check to see who has been ask about your credit history to make sure that no ineligible person or company has been making inquiries without your permission. When you see that all is as it should be, then you know that your information is safe with the 3 major credit bureaus. If there are any error in the debt information, you will need to contact the credit bureau to start taking the necessary steps to have it corrected.

There are 3 credit bureaus and you need to know about them if you are concerned about your credit report.

3 Essential Mortgage Refinance Secrets You'll Need To Pick The Right Home Loan

Although lessen your monthly mortgage payment is constantly attractive, don't let a slightly lower mortgage rate fool you.  If you're not cautious when thinking about a mortgage refinance, you could cost yourself more in expenses than what you save in monthly payments -- and not even know it. (Even with so-called "no cost" mortgage loans.) Refinancing a home loan has more to it than turn out on the surface. Be sure to confer with a mortgage professional before getting yourself into something you can't reverse.

Mistake #1: Waiting for lower interest rates.

Mortgage rates are notoriously unpredictable. No one can think on mortgage rates with enough accuracy to win every time. If rates are alluring, consider refinancing. If you do it right, and rates go down again later, you can constantly refinance again. If trades go down substantially before you finished the loan, you can always change mortgage brokers. If rates go up, you'll be glad you locked that initial rate in!

Mistake #2: Not shopping around enough with local mortgage bankers/brokers.

E-loan, Lending Tree, and other online mortgage shopping sites are considerable, but be careful! They are national mortgage shopping sites. That may sound nice because you get mortgage lenders from across the nation rival for your business, but be careful - any lender other than a mortgage lender who is familiar with lending in your home-state will not be renowned with local practices, and that could cost you in many method. It might not only cost you that lower interest rate, but rely on your other circumstances; it could actually because you miss that window of opportunity.

Mistake #3: Not looking at the whole picture.

If you have been pay up your mortgage for several years, the money saved every month by refinancing may not save as much as you think. In fact, it mainly costs far more than people think! In other words, if you are 10 years into your mortgage loan, refinancing your mortgage would perform you start over on the repayment of that debt. Obviously, it may be great to save some money after refinancing your home loan, but once you refinance the loan you've been paying on for 10 years, you'll be paying off that loan for a further 10 years! That could really hurt. Sure, it may seem great that you're lessen your $1200 monthly payment by $100, but when you factor in the extra 120 payments of $1100 that you'll have after refinancing, you'll see that your "$100 monthly savings" will actually cost an extra $108,000 over the life of the loan! ($1100 times 360 payments over 30 years is $108,000 more than $1200 times 240 months.)

Be certain to get a "good faith estimate" and "Truth in Lending statement" from your mortgage broker before jumping into a new loan that might cost thousands of dollars (if not hundreds of thousands) over the life of your new loan. Get your mortgage broker to make not only what your monthly payment will be, but also what your new loan balance will be contrast to your old loan, what the new interest rate is, and how many years you will be adding to your repayment schedule if you do refinance.

1 In 3 People "Owed" Tax Refund

There are 30 million taxpayers in the UK and, according to the latest research by tax refund company Refunds Direct, around 1 in 3 are owed a tax refund. Alarmingly, one of the most common payment mistake areas is income tax, where the average refund is over £800

Why don't you know about it? Plenty of people believe the Government will repay overpaid tax. Sadly, this is not true and it is an everyone’s responsibility to claim their tax back.

Income tax overpayment affects many of people. Thankfully, different from the tax system itself, finding out of your due a refund is quite easy. Firstly, ask yourself if any of the subsequent to apply to you or to someone you know: have you worked for part of a tax year? Have you paid emergency tax for 3 months or more? Have you had numerous jobs or worked for through agencies? Have you had substantial gaps in your employment? Have you entered the UK to work or are leaving the UK? Are you a student who has a holiday job or placement?

If you can answer 'yes' to any of the following questions, you may want to look out more - and now there is a simple way to do just that. Many of us find the tax system a bit daunting (8 out of 10 people admit to not understanding it), but help is at hand. With 'no win, no fee' services that takes all of the taxing work out of tax work, help is available.

Mike Oaten, from Refunds Direct, explains: "Up to 10 million people in the UK are possibly owed tax refunds. Many many millions of pounds in refunds go unclaimed every year. If not people act now it all stays in the taxman's pocket."

"Our goal is to make everybody in the country aware that they could get tax repayment and help them get their money back."

You may be eligible if you…

* Worked for part of a tax year

* Paid emergency tax for 3 months or more

* Had numerous jobs for worked through agencies

* Had substantial gaps in your employment

* Entered or left the UK to work

* Are you a student who has worked holiday job or placement

You are unlikely to be eligible if you…

* Stopped work and then adopt a Job Seekers Allowance? If so, any repayment would have been repaid by the benefits office.

* Stopped work part way through a tax year because of maternity leave or retirement.

1.25% Neg Am Loans: How Deferred Interest Mortgages is Good Home Financing

Do 1.25% interest rates really exist?  Neg am mortgages calculate several mortgagerates. One is called the payment charge the other is the actual interest rate. Luckily, the payment rate is capped at 7.5% of the previous payment. The true interest rate is calculated as easy the index plus the margin without periodic caps. When the interest rate resets to a superior rate with a negative amortization Adjustable Rate Mortgage (ARM), the mortgage payment doesn't modify. Instead, the additional interest expense is added to the loan balance.

Homeowners are offering a choice of which rate to pay, which is why negative amortization loans are also referred to as "payment option" loans and option ARMs. Cost of Funds Index (COFI), Cost of Savings Index (COSI), and Monthly Treasury Average (MTA or MAT) are all standard of Alt-A negative amortization loans. The Mortgage Bankers Association of America (MBA) says alt-A loans' share rose from 8% to 11%. Why? Because of the flexibility these loans offer, not to mention cheapest for a home purchase loan or if you want to cash out on your home equity with a mortgage refinance.

Another cheaper loan option is the interest only loan. With an interest-only loan, you pay only the interest on the mortgage in monthly payments for a fixed term. After the end of that term, basically five to seven years, you must refinance, pay the balance in a lump sum, or start paying off the principal, which adding your monthly payments substantially. Like neg am loans, interest-only loans are option ARMs because borrowers have the option of paying only the interest or paying principal and interest.

Negative amortization and interest-only loans can be useful if you are primarily concerned with cash flow instead of building equity. If you only pay the payment rate, the overall monthly mortgage payment might be lower than a typical 30-year, amortization loan.  If you're a short-term borrower who plans to refinance or sell the home within a period of a few years or if you have unsteady sources of income or too little documented income to qualify for a traditional loan, you may want to consider a neg am loan or an interest only home loan.