home equity loan

In this edition of the podcast, Trish Regan discusses Donald Trump's confrontation with a judge in the $370 million civil case against the former President. Donald Trump reportedly dressed down the judge, expressing his frustration with what he perceives as a witch hunt and election interference. The New York Times headline reads, "Trump rebukes judge in court." Meanwhile, the Judge reportedly fired back, telling Trump's lawyers, "Control your client!" After leaving the courtroom, Donald Trump spoke to reporters and expressed frustration at a case he insists is politically motivated. Hear Trump's statements both before and after his appearance before the Judge. Trish Regan analyses the events.

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 00:06:16 "Witch-hunt" Trump alleges political interference and unfair trial.

00:10:24 Donald Trump complains of politically motivated threats to business owners.

00:15:32 Consumer Prices Index Rises More than Expected in December

00:18:00 Chris Christie caught on hot mic criticizing Nikki Haley and saying "she'll get smoked" in Iowa in New Hampshire

00:20:00 Trish Regan asks, 'What does Chris Christie mean by a 'return on investment'? That's not," she says, "what politics should be about!

00:20:30 The World Economic Forum in Davos, Switzerland announces this year's theme

00:24:06 Attendees at the WEF in Davos worry about the threat of 'Misinformation and disinformation'

00:30:26 Control and privilege at Johns Hopkins -- so, now we're all guilty?

00:33:05 University of Michigan spends big on DEI bureaucrats. How many kids could they educate with the money?

00:37:07 Inflation numbers higher than expected in December

00:44:01 Melania Trump's mother's passes away -- how much did that effect Donald Trump when he was reportedly not permitted to miss his court appearance to spend time with his wife?

00:53:35 ABC is likely going to be sold, as are all traditional assets at Disney. What's that mean for Whoopi Goldberg and The View?

00:56:11 Disney's growing financial challenges.

01:01:00 ESPN has to give back 37 Emmy awards after an investigation reveals the network put forward 'false names' on the applications

01:04:36 Podcast recommendations and entertainment - download the Trish Regan Show -- and check out Our American Stories!

01:08:06 Is 'incompetence' a threat to democracy? Donald Trump thinks so

01:12:24 Donald Trump credits himself for the rise in stock market valuations "the market believes I will be elected."

01:15:29 The CEO of JP Morgan tells Fox host Maria Bartiromo that it's wrong for the left to slam Trump supporters.

01:23:02 Trish explains why America suffers from a quickly deteriorating political climate.

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We're discussing Home Equity Loans, the pros, cons, and highlighting some of the key differences between the Home Equity Loan and a Home Equity Line of Credit (HELOC). If you are considering pulling cash out of your home, you will want to listen to this episode as well as the previous episode on HELOCs.

As with any loan, it's important to be well informed before borrowing money and we aim to do just that so that you can make the best decision for your financial future moving forward.

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In this podcast, we will explore the differences and similarities between Home Equity Line of Credit (HELOC) and Home Equity Loans. We will discuss how each works, what are the benefits and drawbacks of each option.

We will delve into the definitions of HELOC and Home Equity Loans and how they work; discussing their similarities and differences, including the interest rates, timelines for repayment, and differences in payment structures.

I will share tips on how to determine whether a HELOC or Home Equity Loans is better suited based on the our financial priorities and goals. For example, a HELOC may be a better option for individuals that prefer flexibility with their draw down schedule and interest rates. Alternatively, a Home Equity Loan would be a better fit if stable rates and fixed payments are preferred by the borrower.

We will discuss the eligibility requirements for getting approved for HELOC or Home Equity Loans, which may include credit scores, income verification, and meeting equity requirements. We also dive into the potential risks and benefits associated with each option.

By the end of the episode, you will have an in-depth understanding of the differences between a HELOC and Home Equity Loan, and a clearer idea of which one of these options would be the better choice for your unique financial situation. Ultimately, this podcast aims to provide valuable information to empower listeners to make informed decisions when it comes to their home equity finances.

DISCLAIMER: I am not a financial adviser. This Podcast is for educational purposes only. Investing of any kind involves risk. While
it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own
research. I am just sharing my opinion.

This podcast is sponsored by Amirison Financial. Our goal is to help the culture build Wealth Assets Prosperity. We appreciate you taking the time to listen to this episode and share the content if you find value.

Adam Carroll is an internationally recognized financial literacy expert, the creator of Broke Busted & Disgusted (a documentary about student loan debt), and a two time TEDx speaker with his talk from the London Business School surpassing 5 million views on YouTube and TED.com. Adam is the founder of The Shred Method and the curator of MasteryofMoney.com. 

Websites and Handles:

www.theshredmethod.com

What is a home equity line of credit (HELOC), and how does it work? Is a home equity line of credit the same as a home equity loan or a mortgage? How can I obtain a home equity line of credit*? And finally, what are the best ways to use a home equity line of credit? Though it all may sound confusing, a home equity line of credit is actually quite simple and it can be a powerful tool to have in your financial toolbox.

In this episode of Financial Cents, Brent Cannon, executive vice president and director of community banking, sits down with Ana Ochoa, vice president and private banking relationship manager, to discuss HELOCs. According to Ana, “a home equity line of credit is a line of credit that you use based on the equity you have in your home, whether it’s a primary home, second home or vacation home*”. She goes on to explain that unlike a home equity loan, “you can borrow and pay it off, and still have the credit available after you pay it off.”

This makes a home equity line of credit a great financial tool, especially since there is no origination cost, no appraisal fees and no title fees. 

“It’s really a great source for a cash reserve based on the inexpensive nature of getting into a home equity line of credit,” Brent adds.

For most folks, a home equity line of credit is commonly used for home improvement projects that ultimately increase the value of the home, consolidating debt or to have in case of unexpected emergencies or opportunities. According to Brent, home equity lines of credit are great for debt consolidation because the interest rates are so low.

To conclude the discussion, Ana talks about the idea the home equity lines of credit are great to have in case of emergencies. “It's such an advantage because there are so many things that could happen, that it almost feels like the home equity line of credit could be a safety net for certain financial responsibilities that you may have,” she said.

Financial Cents is hosted by Brent Cannon, executive vice president and director of community banking, and features real answers to the real questions that Arizona businesses and individuals have about money. With each episode featuring veteran bankers from National Bank of Arizona, Financial Cents provides the insights you can only get from a friend in the business.

Subscribe from your favorite podcast platform by visiting nbaz.com/financial-cents.

A division of Zions Bancorporation, N.A. Member FDIC.

*Subject to credit approval and property evaluation. Terms and conditions apply. Contact a banker for details. NMLS #467014

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