Christmas: Secret Santa gift for your best friend Most Searched Products

Table of Content

• Liters Water Heaters Priced Under Rs 15,000: Top Picks From Bajaj, Crompton, Havells, Orient Electric, And Many Others
• Secret Santa gifts £100 and under
• Powerful Hard Work Quotes That'll Change Your Life
• A Delivery Of Beauty Products May Be The Perfect Gift
• 'Bomb cyclone' winter storm hits US, leaving more than 1 million without power
• Gift Basket

Plants can brighten up a space and make it look more like a home, so consider adding these stylist succulent plant pots to your list of Secret Santa gift ideas for friends. This set comes with six white ceramic pots, which your giftee can fill with their favorite succulents. There's nothing more seasonable than ornaments for a Secret Santa exchange. So add these ornaments to your list of Secret Santa gift ideas for friends.

This candle even comes with its own mint seeds in the mix, and has grounding notes of cedarwood. In situations—like an office-wide Secret Santa—great-smelling candles are the perfect option; we love a gift we can enjoy too. We could all use a bit of extra self-care this year, which is why this tea cup makes such a thoughtful gift. It includes a reusable strainer that the recipient can fill with their favorite loose leaf teas. Sending a sweet note to a friend is a guaranteed way to make their day.

Liters Water Heaters Priced Under Rs 15,000: Top Picks From Bajaj, Crompton, Havells, Orient Electric, And Many Others

Customize it to their liking by choosing from a number of beautiful color options and 10 different styles, including large arch, swirl sphere, bubble pyramid and knot. If they're stuck inside an office all day, they could benefit from the sight of something green. This plastic plant isn't as good as the real deal, but it adds some much-needed color and works as desk decor, plus it functions as a phone stand and organizational tool.

The notebooks are perfect for jotting down ideas, setting goals, and tracking progress, while the candle and beans will help you relax and refuel when you need a break. The pen is the perfect tool for crossing things off your list as you accomplish them. This set includes a three-pack of notebooks, a tin candle, a pen, and chocolate-covered espresso beans – everything you need to get organized and motivated for the new year.

Secret Santa gifts £100 and under

It's a perfect Secret Santa gift for anyone who travels or just loves natural beauty and body products. Is there anything more soothing than settling in on a chilly day with a hot drink? Well, you can make that even more soothing for someone, by getting them these cozy scented warming coasters.

This is the perfect option for anyone who is into skin care and self care. The traditional Asian skincare massage tools efficiently stimulates and rejuvenates blood circulation also helps the muscles relax. This station has a place to put a watch to charge and three USB ports for phones, tablets, and more. The design is of 100 percent natural bamboo, and it is a durable option compared to many other plastic models. This also comes with free cables to make it easy to get charging straight out of the box. Stick a real or fake plant inside this desktop-friendly planter, and then let them customize their new office buddy with dry-erase markers.

Powerful Hard Work Quotes That'll Change Your Life

This is a high chance you’ll spend a good chunk of the holiday season stressing out about what unique gift to get your boss or coworker for the office gift exchange. No matter who you're shopping for—a discerning boss or your very best friend—there are plenty of no-fail Secret Santa gifts for even the strictest budget constraints. Before you settle on your favorites, keep in mind that most holiday gift exchanges have a spending limit.

It comes in plenty of colors, so you're sure to find one that fits their space and aesthetic. Help them to stress lease heading into 2023 with this three-piece gift set from Tony Moly. The brand, best known for its incredible sheet masks, centered its calming trio around lavender, an ingredient recognized for its soothing powers on the mind and body. It features two sheet masks, one sleep mask, and hand cream.

In this one vessel, they’ll be able to mix, rise, and bake. And then they can throw the whole thing into the dishwasher when they’re done. Lighter, more affordable, and easier to clean than a traditional Dutch oven, it offers a slightly less intimidating way to bake bread. And, unrelated to its function, this bread maker looks a bit like a sci-fi movie prop, which is just fun. There’s something deeply empathetic and universally recognizable in his sketches; one could spend hours poring over the humanist portraits in these pages. If they’re already the lucky owner of Polan’s first volume, consider the second, which was published earlier this year.

Inside, this journal has encouraging quotes, helpful tips and 52 prompts to inspire a more zen life. Sign up for our newsletter to get honest reviews on top products & services — delivered weekly to your inbox. Learn more about how our team of experts tests and reviews products at Insider here.

'Bomb cyclone' winter storm hits US, leaving more than 1 million without power

Even better, the gloves come with touchscreen-sensitive fingers so your giftee won't need to pull off their gloves to check what time the next bus arrives. We like that this Threshold pillow comes with a reminder to live in gratitude. With its versatile cream color and embroidered design, your friend who’s always looking for that cute throw pillow or perfect complement to a room will appreciate this one.

You know what they say, “the best way to a man’s heart is through his stomach.” And we can’t think of anything better than the Grill Masters Club. With this great gift, your boss receives four full-size and tested BBQ products each month like rubs, spices, hot sauces, wood chips, and grilling accessories. The Tech Lovers Box is a great gift box for any remote worker or distributed team member.

A fancy candle

Thanks to ingredients such as squalane and tea tree extract, this formula works to hydrate even the driest winter skin. Desktop Cornhole for your afternoon work break or when you're looking to procrastinate. It's adorable, fun, and something your friend will have never thought to buy themselves—and if you have a Secret Santa for the office, get ready to play this during those 15-minute breaks.

Choose from a variety of bows and stain colors to create a Secret Santa gift as unique as Fido. Have you seen them wolf down snacks slathered in the kind of hot sauce that would make you whimper? This under-$20 hot sauce gift set features five globally inspired condiments that'll help heat up their holiday season.

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It attaches directly to glass for a personal view of cardinals, bluebirds, chickadees and more. The golfer on your squad will go bunk-ers over these personalized tees. Pick from natural wood or white tees, then add an engraving of their name, special date, cheeky saying or other text. Kids will shriek with delight when they unwrap this Squishmallows mystery box. It includes a mix of three oh-so-soft 8-inch toys that are ready for cuddling.

45 Best Secret Santa Gift Ideas Under $25 Funny Secret Santa Gifts

Table of Content

• Secret Santa gifts £25 and under
• The Rudest Things Dinner Guests Do, And How To Handle It Like A Pro
• Visit TOI Daily & Earn Times Points
• Box Of Chocolates
• Happy Hour Box
• For those that love to be pampered: Nature's Beauty Orange Ginger Detox Bath Bomb Gift Set

Gift them this awesome salsa growing kit, complete with six seed packets for Roma tomatoes, jalapeños, verde tomatillos, cilantro, scallions, and beefsteak tomatoes. Lucky for all of us, these handmade cord "wontons" exist to help keep our headphones, USB cords, and other accessory wires nice and neat. They come in a pack of three, so you can throw one in your car, keep one on your desk, and toss one in your bag. Use these sheets as an impromptu discussion tool, a place to post motivational quotes, or a home for your to-do list. Each sheet has a full-adhesive backing that leaves behind no residue, making them easy and convenient to tack up in the office or at home.

It’s the perfect gift to protect the eyes from the harsh, unforgiving sun. Plus, they are fun, stylish, and unlike clothing, you can’t offend someone by buying the wrong size. Moreover, when you have a bookworm as your Secret Santa recipient, you can’t go wrong with picking up the next bestseller as the gift. Everybody wants to have fun during the holidays and these sweaters are a fun, cheerful tradition that everybody loves.

Secret Santa gifts £25 and under

These days, people spend most of their time sitting during work and this makes them inactive to a great extent. Workplace desks are often susceptible to people dropping coffee or water. Gifting a desk accessory holder to your workmates is thoughtful and will serve them well, as it will assist them with their work setup. Many times, you will notice the messy office desks with documents, pens, and everything else getting mixed up.

And this SEO Man Gift Set by Bella Vita is dedicated to the man of style. All the range of perfume gives long-lasting freshness with hints of lemon and sugar at the top, Lavender at its heart, and finally vetiver, moss, and tonka at the base. Pollyanna gifts are a bit more unpredictable than the classic Secret Santa, but can be fun if you go in with an open mind.

The Rudest Things Dinner Guests Do, And How To Handle It Like A Pro

Help them add some greenery to their space with these cool concrete planters. Himalayan salt lamps have recently become a big trend in home decor, but they're also said to have healing properties that can potentially help purify the air around them. Whether they believe in the health benefits or not, anyone can enjoy the warm glow and aesthetic appeal of this hand-carved, 100% pure Himalayan salt lamp. For the avid night reader or journaler, this clip-on light isn't just adorable; it's an accessory they'll use all the time. No matter what they're sipping on, they'll love doing so in this mug that they can completely customize. With the included markers they can color in the destinations they've been to or want to go to, for a map of the world that's unique to them.

Gifting something that people can sip on is the perfect mix of charm and utility. Again, if you can head to a store to select these items in-person, you’ll be in better shape compared to praying for overnight shipping options. As a rule of thumb, searching for “quirky kitchen equipment” will turn up fun and surprisingly useful results.

Visit TOI Daily & Earn Times Points

Believe it or not, this trendy hobby offers more than a dose of nostalgia -- adult coloring books are actually believed to relieve stress, too. Thanks to this convenient set of Sriracha2Go key chains, you can carry a personal stash of the good stuff around with you at all times. Simply toss it in your purse or attach it to your keys to ensure you've got access to heat when you need it most. Coming from a hot sauce addict, there's nothing worse than suffering through a bland meal without access to your favorite spicy condiment. Pair a set of these pencils with a journal for a thoughtful and practical gift. Exfoliating sugar cubes are a great way for your Secret Santa pick to nourish their skin while getting in some pampering.

Very often, coffee is the only thing that can make me go through the day. And I'm pretty sure that a lot of people share the same sentiments. A soothing coloring book is sure to find a spot in their desk for when they need to zone out for a bit. For one, it saves you the trouble of choosing gifts for your coworkers without knowing their preferences. So finding the perfect gift for them is a lot of pressure and a tad-bit adventurous too. Nothing takes the edge off a hard day at work quite like a little bit of physical activity.

Cash in on the perfect final-hour holiday gift with 55 gift card options for 2022

That is where our desk accessory holder comes in and solves the problem, once and for all. Technology is a gift in itself and gives an array of gift options. And one of the most useful and reasonable gifts of technology is a bluetooth speaker. Your coworkers can easily keep it on their desk as it does not even create a mess of any kind. Fruits, chocolates, snacks- everything is available to choose from.

Luxe coffee is the gift that every coffee snob needs in their life. Which coffee drinker in the world wouldn’t like those irresistibly rich, aromatic, high quality coffee beans as a gift. Also, you will cross your coworker’s mind every time they come across that ugly, fun sweater in their wardrobe. Round up a couple of hot sauce bottles in varying levels of spiciness and flavors. Practising a bit of self-care is mandatory, irrespective of any season.

So get some hand sanitizers and round up the bundle with masks, gloves, and surface wipes. You too can join those game nights and develop good friendships with your coworkers. It will be a charming gift for the coworker who loves watching movies or having game nights at home.

Gift them comfortable seat cushions for their office chair. And someone who wants to read a book at night, can do it peacefully and quietly. Your coworker would be most thankful to you when they face any such situation and that kit acts as the saviour. Help your coworker be prepared for all the small mishaps that happen all the time at work. Being fit and healthy is a necessary lifestyle choice for many.

Box Of Chocolates

If your Secret Santa gift exchange crosses state lines, these colorful tea towels are a fun gift for far-away friends. Each includes sweet graphics and an ode to your state of choice. Getting a book for someone who loves to read may seem like a no-brainer, but there are more unique gifts you can invest in instead. Take this tote that looks like a giant library card, for example. If your gift recipient often loses their keys, an attractive key ring won’t necessarily prevent that, but it may at least give them more incentive not to. And if you don’t know how well they keep track of their personal items, that’s fine too—the two-tone brushed aluminum ring is innocuous and bound to be used, so you can’t go wrong.

Perfect to wear as a jaunty scarf, to disguise dirty hair, or simply to hang as decor, this handsome astrological bandana will make a perfect gift. To make the bandana feel personal, track down your recipient’s birthday and determine their star sign. Each one is made from 100% cotton, so it will only get softer with wash and wear. Tis' the season of jingle bells, Home Alone movie marathons and the inevitable office holiday party. It's a great opportunity to build camaraderie with co-workers, especially when it comes to Secret Santa gifts.

Perfect for the plant parent in your life, this fun planter adds an eccentric touch to their decor. Available in gold or silver coloring, these earrings are a fun twist on classic hoops and are sure to earn them lots of compliments. You can never go wrong with a candle, especially when it's fancy and decorative.

5 Ways to Get Cash Out of Your Paid-Off House

Table of Content

• How to get equity out of the house you’ve paid off
• About the VA Home Loan Guaranty
• How a paid-off house can improve your chances of getting a loan
• How much can I get with a cash-out refinance?

A person who hops from job to job will look riskier because they cannot sit still. A long-term job history, however, shows that you like stability. If you don’t plan to take too much of the equity out of your home, they may be able to use your equity position as a compensating factor. “Reverse mortgages can be an affordable option for older people that allows them to have the lifestyle they want like the ability to travel or take care of their house,” she says. Keep in mind though, if you haven’t set up a HELOC and your husband breaks his leg and can’t work, the lender won’t then give you the equity line of credit.

Many lenders will cap any lending at 80% of your CLTV, but Discover Home Loans allows for loans up to 90% of CLTV. Use your lender’s maximum CLTV percentage and multiply that by your current home’s value to calculate maximum loan amount. When you subtract your existing mortgage balance from that maximum loan amount, you will see exactly how much cash can be obtained through cash-out refinance. A home equity loan has many of the same lending requirements as other loan products—a verifiable income history, a good debt-to-income ratio, and decent credit. In addition to these requirements, you'll need to have a combined loan-to-value ratio of 85% or less in your home. That means the total balance of all the loans on your home divided by the current value of your home is 85% or less.

How to get equity out of the house you’ve paid off

You’ll want to keep closing costs in mind when refinancing a loan, as they can add up to thousands of dollars. Make sure you understand how your new loan amount relates to the value of your home. While your lender can advise you on the costs and benefits of the transaction, you’ll want to be sure you understand what you’re getting into. If you don’t have a current mortgage, you can still do a cash-out refinance—and it might even mean a lower interest rate than other financing options can provide. Figure is a great option if you’re looking for an online lender that can get you your funds quickly. You have no obligation to use your total line of credit, and the funds can be used however you’d like.

Once you know that you meet the requirements for a cash-out refinance, determine how much money you need. If you’re planning to use the funds for repairs or renovations, it’s a good idea to get a few estimates from contractors in your area so you know how much you need. If you want to refinance to consolidate debt, sit down with all of your credit card and bank statements and determine exactly how much cash you need to cover your debts. If you’re looking to see how a cash-out refi will affect your mortgage rates, a calculator is a quick and easy way to get an estimate.

About the VA Home Loan Guaranty

VA loans are typically the best option for eligible veterans and service members. They have low mortgage rates, no mortgage insurance during the life of the loan, and don’t require a down payment. Whether you should borrow against your home depends on the specific type of expense and whether it will provide long-term value. Since this is a new mortgage, you’ll typically have to pay closing costs and lock in a new interest rate.

Getting cash by using the equity in your home can be an easy way to get funds for emergencies, expenses, and wants. As noted above, the LLPA is waived for loans that meet the student loan cash-out refinance requirements. Cash-out refinances are contingent upon an appraisal by an independent third party. Appraisals can take time, so factor this into your refinancing timeline.

How a paid-off house can improve your chances of getting a loan

You’d also need to return the investment plus the share of appreciation if you sell the home. There are also not-so-good reasons to draw from your equity, such as buying a car , paying for a wedding or taking a vacation. It’s important to get clear on your goals so you’re making a sound financial decision. You can take equity out of your home even after your mortgage is paid off.

Keep in mind that the appraisal will determine how much your lender is willing to give you. Take the time to prepare your property by cleaning up the outside of your home, washing windows and fixing visible damage before the appraisal happens. This will make your home look nicer and increase the chances of the appraiser giving your property a fair assessment. A cash-out refinance is a type of mortgage refinance that takes advantage of the equity you’ve built over time and gives you cash in exchange for taking on a larger mortgage. In other words, with a cash-out refinance, you borrow more than you owe on your mortgage and pocket the difference. There are no restrictions on the use of your cash after withdrawing it from your home’s equity when you use a cash-out refinance loan.

How much can I get with a cash-out refinance?

This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. We are an independent, advertising-supported comparison service. Home equity is the calculation of a home's current market value minus any liens attached to that home.

Rocket Mortgage® allows you to take out the full amount if you have a median FICO® Score of 620 or higher. The amount of equity you have in your home is an important factor in how much cash you’ll be able to access with a cash-out refinance. By refinancing an existing loan, the total finance charges incurred may be higher over the life of the loan. If you’re sure a cash-out refinance is the right option, you can get a conforming loan backed by Freddie Mac or Fannie Mae, or you can get one through the FHA loan program . The best option for converting your homeownership into cash will depend greatly on your personal finances. With a HELOC, you receive a revolving line of credit instead of a lump-sum loan amount, where you can borrow money over time.

Just owning your house free and clear is not enough, especially if you have bad credit. Something went wrong along the way somewhere and the lender needs to determine where. This is why they look at the whole picture and not just how much equity you have in the home.

She holds a bachelor’s degree in journalism with an emphasis in political science from Michigan State University, and a master’s degree in public administration from the University of Michigan. After closing, all that’s left to do is wait (typically 3 – 5 days) for your check to arrive. Et’s say that you’ve bought a home for $200,000 and you’ve paid off $60,000. Let’s also say that you want to make $20,000 worth of renovations. Mortgage.info is your information portal for all things home, mortgage, and refinancing. If you have had the same job for many years, it can show consistency to the lender.

Draw period

Maintaining 20% ownership of the property ensures you can avoid having to pay private mortgage insurance . It can also help to prevent you from being underwater if market conditions change. In comparison, closing costs for refinance options like rate-and-term or cash-in typically range from 2-5% of the loan amount. On a national level, average refinance closing costs are $5,000, according to Freddie Mac, but it varies significantly by state, county and home value. For example, a cash-out refinance might make sense if you’re planning to make home improvements. You might use the money to pay off higher-interest credit card debt — as long as you don’t accrue a new outstanding balance on credit cards again afterward.

Home equity is the market value of your home minus any liens, such as the amount you owe on a mortgage or a home equity loan. The equity in your home can fluctuate based on real estate market conditions in the community or region where you live. Lenders impose borrowing limits on how much you can borrow through a cash-out refinance—typically 80% of the available equity of your home. In a cash-out refinance, a new mortgage is taken out for more than your previous mortgage balance, and the difference is paid to you in cash. Loans qualified as student loan cash-out refinances must be delivered to Fannie Mae with Special Feature Code 003 and SFC 841. All other cash-out refinance eligibility requirements are met.

Taking Out a Home Equity Loan on a Paid-Off House

Table of Content

• Tell us about your current loan(s)
• How to apply for a home equity loan if your house is paid off
• You Won’t Get Cash Immediately
• Should you mortgage the house you own?
• Is a cash-out refinance right for you?

You might be wondering if you’ll save money by refinancing two mortgages into one loan. In the case of an emergency or you need some extra cash to fund your home renovations, being able to redraw extra repayments can be helpful. By making extra repayments into your home loan, you can reduce the overall amount of interest payable on your home loan and also pay off your mortgage faster. However, keep in mind that this only works if you do not make any withdrawals. John has a $500,000 variable rate home loan with a 5.5% interest rate. His agreed loan term is 30 years and he chooses to make principal and interest (P&I) repayments.

Because your cash-out refinance is dependent on your home’s equity, it’s typical for your lender to request an appraisal. There are instances where the appraisal is waived if you’re borrowing less than 70% LTV. The combination of your cash out, remaining equity and loan cannot exceed the appraised home value. Unlike a home inspection, a home appraisal focuses on your home’s value, not its condition.

Tell us about your current loan(s)

VA loans are typically the best option for eligible veterans and service members. They have low mortgage rates, no mortgage insurance during the life of the loan, and don’t require a down payment. Whether you should borrow against your home depends on the specific type of expense and whether it will provide long-term value. Since this is a new mortgage, you’ll typically have to pay closing costs and lock in a new interest rate.

Like a cash-out refinance, a home equity line of credit allows you to pull cash out from your home’s equity. However, instead of it being part of your mortgage, it’s a revolving line of credit, up to a defined maximum amount, secured by your home. Interest rates are usually variable, and you’ll only pay interest on the amount you use. Fees range from 2-5% of the total line of credit, and homeowners can typically make interest-only payments during the initial draw period. Closing costs — You pay closing costs for a cash-out refinance, just as you would with any other mortgage.

How to apply for a home equity loan if your house is paid off

You’d also need to return the investment plus the share of appreciation if you sell the home. There are also not-so-good reasons to draw from your equity, such as buying a car , paying for a wedding or taking a vacation. It’s important to get clear on your goals so you’re making a sound financial decision. You can take equity out of your home even after your mortgage is paid off.

Keep in mind, you’ll likely pay a higher rate and monthly PMI, so it’s important to weigh your decision carefully. Your loan type also has an effect on your cash-out closing costs. For a cash-out refinancing on a conventional loan, there’s typically a 3% fee cap, subject to the ability to pay/qualified mortgage rule (abbreviated ATR/QM). FHA and VA cash-out refinances can have additional fees that may bring your costs closer to 6%.

You Won’t Get Cash Immediately

This can potentially save you thousands of dollars in interest, help you get out of debt faster, and improve your credit score by lowering your credit utilization ratio. Refinancing a paid-off home is similar to applying for any other type of mortgage or refinance. You have to apply for the loan and meet the lender’s debt, income, and credit requirements. You have many options when you do a cash-out refinance, including conventional loans, FHA loans, and loans backed by the Department of Veterans Affairs . Different loan types have different rates and fees, so it’s important to shop around to find the best loan for you. A cash-out refinance is a type of home loan that typically lets you access your home equity by replacing your existing mortgage with a new one.

Whether it’s the right choice will depend on your personal financial situation. A reverse mortgage is for homeowners age 62 or older who can borrow a lump sum that is paid back in monthly installments, or as a line of credit against the equity in the home. You take out a loan larger than the amount you still owe , and you receive the balance in cash at closing.

Should you mortgage the house you own?

At closing, your escrow company simply cuts a final payment to your HELOC lender, and you never have to make two monthly mortgage payments again. Using a redraw facility tends to be cheaper than using a credit card or personal loan. This is because the interest charged on your home loan is generally lower than other types of credit/debt products.

Here's what you need to know to decide which home equity option makes the most financial sense for you if you've already paid off your mortgage. Alix is a staff writer for CNET Money where she focuses on real estate, housing and the mortgage industry. She previously reported on retirement and investing for Money.com and was a staff writer at Time magazine. She has written for various publications, such as Fortune, InStyle and Travel + Leisure, and she also worked in social media and digital production at NBC Nightly News with Lester Holt and NY1. She graduated from the Craig Newmark Graduate School of Journalism at CUNY and Villanova University. When not checking Twitter, Alix likes to hike, play tennis and watch her neighbors' dogs.

Generally speaking, the lower your LTV is, the less risky you are to lenders, and the easier it will be to get approved. Because of this, having your home paid off means that you don’t have an outstanding balance on a mortgage and that your LTV is likely zero. You may be able to get a home equity loan while you still have a balance on your first mortgage, but it’s not guaranteed.

A cash out refinance is when you take a portion of your home's equity out as cash when refinancing your current mortgage. When mortgage rates are low, a cash out refinance may be advantageous over other types of credit like credit card, personal loans, or HELOCs that have a variable rate. In the real estate world, refinancingin general is a popular process for replacing an existing mortgage with a new one that typically extends terms to the borrower that are more favorable.

Borrowers usually have a fixed draw period (ex. 10 or 20 years) to access that money and make interest-only payments. Then, the HELOC is closed and the outstanding balance is paid back as a loan over another set period of time. When you take out a home equity loan, you receive a lump sum of money upfront. You repay it in monthly installments with a fixed interest rate over a fixed period of time.

Don’t stress if you don’t certify with one firm, other cash advance firms might assist you. What do you do when you quickly require cash yet don’t have the moment to go to the bank and look for a loan? Say that my current loan is 300K and whole of that is home acquisition debt . Say I now refinance and take a Lon of 600K, 300K being by HAD and rest 300K isn't HAD (I don't use it for home improvement etc). Marc is senior editor at CNET Money, overseeing banking and home equity coverage.

How much money do you get from a cash-out refinance?

Whether or not you should borrow against your paid-off house will be determined by your financial situation and why you need the money. Taking out a home equity loan on a paid-off house isn’t the only option for accessing your home equity. The loan proceeds can be used for any reason, including covering home renovations, paying off debt or funding a large purchase. After comparing loans, consider negotiating with the lenders.

In other words, you can assume a new $150,000 mortgage, get $50,000 in cash, and begin a new monthly installment payment schedule for the full amount. The disadvantage is that the new lien on your home applies to both the $100,000 and the $50,000, since it is all combined together in one loan. Many people wouldn’t necessarily want to take on the future burden of another $200,000 loan, but having equity can help the amount you can receive as cash.

Funeral and Cremation Broward County FL

Table of Content

• Valles Funeral Homes and Crematory
• Cremation & Burial Pricing
• Nearest Funeral Homes (Broward County)
• View Pricing
• Funeral Homes by State
• Express your sympathy with flowers & gifts

The chapel inside the Pyramid is a popular location for committal services. If you are interested in cremation, the funeral home team can explain the process and different options. Read through our funeral services directory to learn about funeral loans, the average costs of a funeral, and the best burial services in Broward County, FL today. We deeply appreciate those who have sacrificed for our freedoms and specialize in serving the veteran community.

We provide traditional and contemporary funerals and cremations to people from all walks of life. Fort Lauderdale, Florida the county seat of Broward County, is located some 30 miles north of Miami. With a population of around 172,000, it is one of the largest cities in the Miami metropolitan area. There are currently 10 funeral homes in Fort Lauderdale, offering bereaved families a wide variety of choice. We remain committed to the health of our guests and are proud to offer remote planning consultations.

Valles Funeral Homes and Crematory

Or perhaps it's a quiet outdoor scattering ceremony with the closest family and friends. This Office complies with the Electronic Death Registration System of the Florida Department of Health . Our protocol dictates that all deaths will be registered with the Florida EDRS system. If your funeral agency is not compliant with the Florida EDRS system, please contact this Office in advance and request that a "paper death certificate" be issued. Please contact your local Health Department as soon as possible if your funeral agency does not currently have access to the Florida EDRS system.

There are a number of factors that determine scheduling and when an autopsy may commence, but it is best to make the family's wishes known as soon as possible. Final decisions regarding performance of autopsies on a decedent's remains will be made by the Medical Examiner assigned to the case. For homicides and some other types of cases, an autopsy is mandated by Florida Statute. At Dignity Memorial, we strive to get every detail right the first time, every time. That's why we offer every family we serve a 100% service guarantee.

Cremation & Burial Pricing

Complete the form, and a funeral planning advisor will contact you right away today. There are five funeral homes in Pompano Beach, affording clients a wide choice. Our prepaid plans are transferable to any of the qualifying Dignity Memorial providers in North America. Find out everything you need to know about prepaid funeral plans.

When you plan ahead, you relieve your family from financial and emotional burdens while ensuring your wishes are fulfilled. We offer in-person and virtual consultations, as well as a free Personal Planning Guide. The laws of Florida require that a death certificate is filed with the local registrar no later than five days after death and this needs to occur prior to cremation or burial. Embalming is a requirement if the final disposition is not to be carried out within 24 hours. There are no special restrictions on where ashes may be scattered.

Nearest Funeral Homes (Broward County)

Your cooperation with policies and procedures of this Office will help to ensure that the final disposition of the decedent is not unnecessarily delayed. Obituaries for Broward County, Palm Beach, Hollywood, Miami, Fort Lauderdale and Boca Raton, Florida may be found by clicking on the button below. Click on the name below to read the fully expanded obituary listing.

To inquire about the availability of a person's remains to be released from the custody of this Office prior to dispatching transport personnel. Most decedents are available to be released from this Office approximately 24 hours after death; however, circumstances may dictate that a decedent remain in the custody of this Office for a number of days. You are welcome to call us any time of the day, any day of the week, for immediate assistance. Fill out the form to get your free copy of A Guide for Families Choosing Cremation and learn everything you need to know when you're shopping for a cremation. Honor the memory of your loved one with cemetery flower placement. When new obituaries are added, receive a notification by email or phone.

Request a free quote online and you’ll be connected with a local funeral planning professional. By phone, text and email, get all of your questions answered from the comfort of your own home. Explore venues, cemetery and cremation property, personalized catering options, and our collection of urns and caskets. Forest Lawn Funeral Home sits on the grounds of Forest Lawn Memorial Gardens.

Services available to create a tribute video for the service or obituary from photos and videos. Forest Lawn Funeral Home and Forest Lawn Memorial Gardens are located in Fort Lauderdale, Florida, and help people through perhaps the most emotionally challenging period of life. View Pricing See costs for a variety of products and services.

View Pricing

Should any detail of our service not meet the expectations as promised in our agreement, we’ll do everything we can to make it right, up to refunding that portion of the service. Forest Lawn Memorial Gardens was established in 1960 to provide a beautiful final resting place for residents of Fort Lauderdale and surrounding areas. Lushly landscaped and populated by wildlife, it is one of the few cemeteries in South Florida that has a funeral home on the property.

Pompano Beach, in Broward County, Florida, is a principal city in the Miami metropolitan area, on the Atlantic coast with a population in excess of 104,000 people. Our firm traces its roots back, deep into the 20th century, when our first facility was dedicated. Many years later, this location has seen renovations and changes, but has always been and will continue to be an integral part of this community. Exceptional Flowers & Gifts is the best local source for the latest obituaries in Broward County, FL and surrounding areas. We will never sell your information or use it for any purpose except official Dignity Memorial correspondence.

Tour Location See pictures of features and amenities or schedule a tour. William Arce, 70, of Fort Lauderdale, Florida, passed away on October 18 after a valiant battle with cancer, surrounded by loved ones who will strive to honor his memory by living their lives to the fullest. William was born on May 23, 1952 to Hemenegildo Arce and Ana Luisa Soto.

Complete the form, and a funeral planning advisor will contact you right away. Please contact us if you need immediate assistance or would like more information about planning a funeral. Losing a loved one is something no one ever wishes to happen. Apart from grieving and accommodating family and friends looking to pay their last respects, there are many preparations to think about for the funeral.

Contact this Dignity Memorial provider for additional information. Please reach out to us, day or night, if we may assist with funeral or cremation arrangements in Fort Lauderdale or if you would simply like a tour of the funeral home. Our goal with this site is to provide everyone who visits with easy access to the best sources of this information. If you find this information helpful, we hope you'll let us know.

Forest Lawn Funeral Home & Memorial Gardens Funeral, Cremation & Cemetery

Table of Content

• Recent Obituaries
• Guide to Funeral Directors in Fort Lauderdale
• Funeral Homes in Broward County, FL
• Funeral Services
• Fred Hunter’s Funeral Homes, Hollywood

Helpful resources to guide you through the loss of a loved one. Directly order flowers, view and sign the condolences book, share memories and more to celebrate lives of those dearly missed. Broward Funeral Choices provides Veteran and Military services. Broward Funeral Choices is a Family Owned and Operated organization dedicated to honoring the life of your loved ones. We provide Professional Services to All of Broward, Miami-Dade, and Palm Beach Counties.

Pre-plan today to protect the people you love and receive up to 10% off prepaid cemetery and cremation property. Whether you want to arrange a traditional funeral service or modern celebration of life, large gathering or more intimate service, we will work with you one-on-one to ensure your needs and budget are met. From floral arrangements to music selections, decor, mementos and more, we guide you through your choices with care. Search by area or ZIP code now to find Pompano Beach funeral homes near you.

Recent Obituaries

It's our privilege to honor veterans and their families in need of funeral services. YP - The Real Yellow PagesSM - helps you find the right local businesses to meet your specific needs. Search results are sorted by a combination of factors to give you a set of choices in response to your search criteria.

Today, we pride ourselves on being current with the major changes in funeral service trends - and bring those innovations and memorialization options to our client families with integrity and insight. Fill out the form and get your free copy of the Guide to Understanding Cremation. Learn the three simple steps to cremation planning and find out how to plan a personalized memorial service. Prices are for services only and exclude products such as casket, urn, cremation container, cemetery property or cemetery services. Keep in mind that taxes, state fees, and certain additional items such as death certificates may change your total when completing the arrangement process.

Guide to Funeral Directors in Fort Lauderdale

In many cases, you will find a link to a guest book where you can share a fond memory or write a heartfelt tribute for friends and family to read. You can also send funeral flowers or sympathy plants – and even order casket sprays and funeral wreaths for the service – with a simple click of a button. You are in excellent hands with the caring professionals at Exceptional Flowers & Gifts. Our experienced sympathy design team specializes in helping you find the perfect gift of beautiful fresh flowers or a comforting keepsake gift to those in mourning.

“Preferred” listings, or those with featured website buttons, indicate YP advertisers who directly provide information about their businesses to help consumers make more informed buying decisions. YP advertisers receive higher placement in the default ordering of search results and may appear in sponsored listings on the top, side, or bottom of the search results page. Over the years, the original mission of the firm hasn't changed. We have always intended to provide the best, most professional services, complemented by the finest products.

Funeral Homes in Broward County, FL

Contact this Dignity Memorial provider for additional information. Please reach out to us, day or night, if we may assist with funeral or cremation arrangements in Fort Lauderdale or if you would simply like a tour of the funeral home. Our goal with this site is to provide everyone who visits with easy access to the best sources of this information. If you find this information helpful, we hope you'll let us know.

Pompano Beach, in Broward County, Florida, is a principal city in the Miami metropolitan area, on the Atlantic coast with a population in excess of 104,000 people. Our firm traces its roots back, deep into the 20th century, when our first facility was dedicated. Many years later, this location has seen renovations and changes, but has always been and will continue to be an integral part of this community. Exceptional Flowers & Gifts is the best local source for the latest obituaries in Broward County, FL and surrounding areas. We will never sell your information or use it for any purpose except official Dignity Memorial correspondence.

Find a Loved One

Complete the form, and a funeral planning advisor will contact you right away today. There are five funeral homes in Pompano Beach, affording clients a wide choice. Our prepaid plans are transferable to any of the qualifying Dignity Memorial providers in North America. Find out everything you need to know about prepaid funeral plans.

Working together, the funeral home and cemetery allow you to plan everything for a cremation, funeral, memorial and burial at sister locations. Broward Funeral Choices is here to help you with the things you need to settle for the occasion. We are committed to serving you and your family with respect and compassion. Over the years, we have established a reputation for providing outstanding services that help families in their most difficult and trying times. Previous clients recognize our services for being a source of comfort, as funeral arrangements can be taxing based on their experience. In addition to assisting with an immediate need, Broward Burial and Cremation specializes in working with families to make final arrangements in advance.

There are active homes for sale in Broward County, FL, which spend an average of 65 days on the market. Some of the hottest neighborhoods near Broward County, FL are Hollywood Lakes, Beach, West Deerfield Beach, Oceanside, Palm Aire. When dealing with pain and grieving of a loved one, the last thing on your mind should be if the funeral home will be able to fulfill their duties.

Services available to create a tribute video for the service or obituary from photos and videos. Forest Lawn Funeral Home and Forest Lawn Memorial Gardens are located in Fort Lauderdale, Florida, and help people through perhaps the most emotionally challenging period of life. View Pricing See costs for a variety of products and services.

Your cooperation with policies and procedures of this Office will help to ensure that the final disposition of the decedent is not unnecessarily delayed. Obituaries for Broward County, Palm Beach, Hollywood, Miami, Fort Lauderdale and Boca Raton, Florida may be found by clicking on the button below. Click on the name below to read the fully expanded obituary listing.

Tour Location See pictures of features and amenities or schedule a tour. William Arce, 70, of Fort Lauderdale, Florida, passed away on October 18 after a valiant battle with cancer, surrounded by loved ones who will strive to honor his memory by living their lives to the fullest. William was born on May 23, 1952 to Hemenegildo Arce and Ana Luisa Soto.

Or perhaps it's a quiet outdoor scattering ceremony with the closest family and friends. This Office complies with the Electronic Death Registration System of the Florida Department of Health . Our protocol dictates that all deaths will be registered with the Florida EDRS system. If your funeral agency is not compliant with the Florida EDRS system, please contact this Office in advance and request that a "paper death certificate" be issued. Please contact your local Health Department as soon as possible if your funeral agency does not currently have access to the Florida EDRS system.

Home Theater noob: Whats the best way to connect store all my external devices to my tv without having to crowd up my tiny apartment living room? : hometheater

Table of Content

• Roku TV Wireless Speakers Review: Should You Buy Them?
• The Best 4K Blu-ray Player
• Wiring Your Home Theater Speakers
• About your guide
• Best TVs for living room home theaters

It’s also inexpensive enough that adding an extra pair of surround speakers probably won’t bust your budget. 4K TV– The latest trend in home theaters is to purchase a set with a high-definition display. These displays are UHD TVs orUltra High Definition Televisionsand produce four times the resolution of Full HD sets, which makes for excellent picture quality. They also come equipped with various smart TV features that allow you to connect your cable box or entertainment center to your home theater system.

I cannot tell you how many clients I have talked to who have spent hours pouring over manuals only to end up more confused than when they started. This section of the article should make sense of all of the inputs, outputs, knobs, and wires that create our home theater systems. First I will explain some basic concepts, then go through a common scenario of hooking up equipment.

Roku TV Wireless Speakers Review: Should You Buy Them?

As long as you have these options at your fingertips, you might as well give them a try. If you find a setting you like, it’s easy to embed it in one of your scene button settings. For music listening, audiophiles tend to favor the “pure direct” 2-chanel mode that bypasses all signal processing. Other people like to be bathed in sound from all directions, even when listening to a straightforward stereo recording. Many receivers come with scene buttons – presets for a specific activity, like watching TV or listening to the radio. With one button press, you select the source and all the settings you need for the activity.

Although wiring your home theater can seem like a daunting idea, once you’ve connected a few devices together it’ll seem much easier. Below is a handy guide on wiring up the most common devices, but I also discuss the right gauge wiring to use, and the easiest way to hide the wires in your home theater. Wiring up a home theater will depend on what devices you’re connecting together, but most will either come with the correct wires, or have instructions on what you need to do. It’s mostly connecting matching terminals, which are usually clearly labeled. Components include other video input options, so make sure that they're evenly spaced and not overcrowded.

The Best 4K Blu-ray Player

For more information, read our articles about surround sound formats, multi-room audio setups, and bi-amping. At times, you or your guests may just want to watch TV and not bother with the surround sound. You can do that if your receiver has a feature called HDMI standby pass-through. The signal from the cable box goes through to the TV when the receiver is turned off. Many of the latest receivers offer a helpful onscreen setup guide or app. You just connect the receiver to your TV and follow the prompts that appear on the TV screen or your mobile device.

If your receiver doesn’t have HDMI pass-through, you can get an HDMI splitter and run a second cable to another HDMI input on your TV. The downside is that you’ll have to switch the input selection on your TV each time you want go from surround sound to TV speakers or vice versa. I have installed outside speakers and put an A/ B speaker switch on top of the stereo.

Wiring Your Home Theater Speakers

Then, connect another HDMI cable directly from the satellite receiver to another HDMI input on the TV. You also can’t move these speakers around if you decide your TV room layout needs an upgrade later on down the line. This might be intimidating at first sight, especially when you consider the minute details. There’s the display, receiver, speakers, media devices, lighting, and other equipment to consider. Before purchasing them, let’s look at the fundamentals of home theater components and what you need to know.

PCM is limited to two channels when connected via an optical or coaxial digital audio cable. When connected via HDMI, it can deliver surround sound. You’ll have to select the amp channel assignments that suit your needs.

About your guide

Yet at 16 by 15 by 16¾ inches , it’s still compact enough to fit unobtrusively into most rooms or even under some end tables. During Wirecutter’s testing of sub-$1,000 projectors, the BenQ HT2050A DLP 3D projector produced the best contrast and most accurate colors of any DLP projector in its price class. Everyone loves watching a great movie on a big screen with a kickass speaker system. Our AV team spends thousands of hours each year seeking the best-looking and best-sounding home theater equipment. Whether you have a dedicated theater room planned or are thinking of upgrading your weeknight living room movie night, we have recommendations covering whatever space and budget you have.

HDMI is the newest connection, and the one that you will most likely use. It is the highest quality connection available, in most new system this will be the only cable you need. First, you need to make sure you don't mix up the positive (typically red, or marked with a + mark) and negative ends of your speaker wire.

The UL-approved VLF728-B2 typically costs around $300, which is in the midrange of high-end full-motion mounts. It has comparable performance to those costing seven times as much, plus it’s easy to set up and install. The BenQ has ample light output for you to easily move up to a 120-inch screen without feeling like you’re sacrificing brightness for size.

It is set up at 20 feet or I change it to the minimum distance of the receiver? Blu-ray – One HDMI cable goes from the Blu-ray player to an HDMI input on the receiver. Wiring your home theater really doesn’t need to be a difficult task. Through my years of home theater development, I’ve found the hardest part is sorting out speakers, but this is actually quite easy once you have the terminology sorted. A final tip is to always make sure you install nail plates if wiring behind drywall.

Best TVs for living room home theaters

I’ve found that copper wire does the job fine, as you’re paying more money for silver without a massive jump in quality, and “gold” wires are something of a con because it’s only the connections that are gold. Gold is by far the most expensive, but it’s also the best. It has the lowest resistance and doesn’t oxidize, meaning you’ll get the best connection and conductivity. However, gold typically isn’t used for the whole wire because of its cost.

I've been messing around with home theater packages since my Dad's old, expensive custom Bose Lifestyle set up in the mid-90s. Stick around to see fun technical projects and new stuff I'm learning about home theaters. Denon AVR-X4500H is a relatively newer model but still comes at a great price point.

You’re in control at all times, and you can disconnect at any time by closing your browser window. The only problem with running optical from the TV is that most TVs will only pass PCM 2.0 audio over optical. ARC implementation is still far from perfect, but it is still the only way to pass multichannel audio from the TV to the receiver. Load and view movies and videos through your TV with your PC.

How to Set up a Home Theater System with Separate Components PrimeCables ca Blog

Table of Content

• TV Buying Guide
• Bring Your Dream Home Movie Room to Reality with the AIS Team
• Peerless-AV PRGS-UNV Projector Mount

For less than $1,000, our favorite budget 4K TV and budget soundbar will offer a huge step up in quality from most existing setups and leave enough money in the budget for a media player and universal remote. The same goes for the cost of a high-performance dedicated theater compared with what home theater enthusiasts would have you believe. Most of the time the automatic setup systems get speaker identification and channel level spot on.

A 20-pack will dress both ends of each speaker wire in a 5.1 speaker system. To get a feel for what’s involved, read our guide to in-wall wiring. Our advisors cannot see anything that is on your computer. They only have the ability to "serve" a page from our site and put items in your cart.

TV Buying Guide

In our mind what does the actual home theater system looks likeSome of the more elaborate speaker systems may also require specific attention when connecting to the A/V receiver. The polarity must be correct, channels must be properly programmed, and speakers need to be properly positioned. Buying something simple such as a stereo Bluetooth soundbar can help cut down on the complication and keep things easy without sacrificing sound.

Make sure the location that you choose for your equipment is well ventilated, as overheating is a big problem with powerful amplifiers and A/V receivers. You can buy wireless speakers or a soundbar, both of which are easier to hide than traditional external speakers. Most sound systems have a test feature, which plays a chime or sound through each of the speakers to assure you each is working . Place your center channel speaker above or below the TV. This speaker is usually smaller and is designed to deliver crisp dialog right to the viewers. It should be front and center so that it clearly broadcasts to the entire room.

Bring Your Dream Home Movie Room to Reality with the AIS Team

It can control up to 15 devices, including both infrared- and Bluetooth-based AV devices. It has an intuitive button layout that includes most of the control options you’ll need, and the OLED screen makes it easy to switch between the different AV devices you want to control. You can program the U1 using a convenient setup app for iOS and Android, and the app provides a lot of customization options to reassign what the remote’s buttons can do.

But performance in the real world is affected by the acoustics of your car or home, your choice of amplification, and your source material. We still believe that the gold standard for auditioning speakers is hearing them in your own environment — that’s why we offer a 60-day money-back guarantee. In equal volume mode, we've made the loudness of each speaker about the same. This gives you a more direct comparison of subtle voicing differences between speakers. 6 reasons to upgrade your old home theater receiver A lot can change in a few years. If you haven't upgraded your A/V receiver recently, here are six reasons you should think it over.

Peerless-AV PRGS-UNV Projector Mount

As a general rule, most home theater devices work on an impedance rating of 75 ohms. While this in itself isn’t too important, it’s worth knowing that devices can be connected without impedance mismatch. However, it’s worth bearing in mind so that if you have two devices that will cause an impedance mismatch, you can resolve the issue with a transformer, which are really easy to buy online. Although these are definitely the most common types of cable you’ll find in your home theater, there are plenty more.

We asked six hard of hearing people to give them a try. ’s best-in-class contrast ratio, bright output, and impressive color accuracy make it our pick for the best budget home theater projector. We’ve spent hundreds of hours researching and testing TVs to find the best choices for any budget and room size. Is the all-around best soundbar because of its big, immersive sound, small footprint, affordable cost, and easy operation.

If you want the most home-theater-like experience, we recommend the LG C1, our 4K OLED TV pick. It offers superb image quality with both HD and 4K sources. It also supports the leading HDR standards, so you get the best picture possible from HDR sources, and it has all the new HDMI 2.1 features you need for improved sound quality and game play. The WebOS smart-TV platform is easy to use and provides all the major video and audio streaming services. The C1 has an extremely thin and attractive design, and the TV’s Filmmaker Mode makes it easy for anyone to get a highly accurate image. Videophiles will like that the CX gives them more control over the image than competing Sony and Vizio OLED TVs do.

The automated lens makes it easy to set up, and the projector gives you an accurate image out of the box. In our tests, this projector came closest to replicating the viewing experience of our reference OLED TV on a projection screen, but it is the largest, heaviest projector we tested. Although the DLA-NX5’s peak brightness might be similar to that of the other models we looked at, its ability to display darker blacks made the image look that much better in our tests. Bright highlights popped against black backgrounds. With the constant improvements being made to the picture quality of TVs, from HD to Ultra-HD and now 4K and beyond, watching a movie or TV show at home has become a lot more like a cinema experience.

One of the ways they are doing this is by making their TVs compatible with wireless transmitters that allow users to play the sound from their TVs through wireless speakers and sound systems. Connect the opposite end of the cable to the digital optical input port of your home theater receiver. Again, you may need to remove the cover before you can access the port. Now let us go over the five additional options to connecting your TV to your receiver for audio purposes.

For now, don't touch the phase adjustment, put the gain/volume a little under 1/2, and turn up the low pass filter all the way or set it to "disable" or "off". Look for a receiver which will accommodate all of your inputs. This means that if you have a set of speakers, an Xbox, a Blu-Ray player, and your TV, you should allow for at least 4 HDMI input ports and at least one HDMI output port.

Use a Wireless Connection

Converting from analog to digital is not called upconversion. I did forget to add that I do have a Harmony 670 remote too. We have been using ais for years for all of our home theater and outside cameras they have always treated us well great customer service. Kaleb just installed a new outside camera system, and did a great job. They are nothing short of amazing and professional every step of the way! We have turned to them for the past 13 years and will continue to do so.

Another benefit is that you can have a more discreet home theater system since it’s not as noticeable if there aren’t many visual distractions around your TV room. LG has partnered with WiSA and has built new firmware into some of their newer TV models that allow them to communicate with a WiSA USB dongle that plugs into the TV. The dongle allows it to send sound to an external speaker or audio system with a wireless signal. As soon as you change your video input mode to the HDMI or HDMI-ARC option, any sound should also be transferred through the HDMI-ARC cable from your TV to your home theater receiver.

How To Do Wiring For Home Theater

While it is often tempting to get the very biggest screen you can, choosing a TV is more of a science than simply using the "bigger is better" concept. You'll need several electrical outlets for your TV and other components, so make sure that you have plenty of power strips in your preferred area. Once you've set up your electrical outlets in your staging area, you're free to move onto the next part.The power strips should go in the same general location as your TV.