Father's Day.Our championship may come on Father's Day.
I could think of no more appropriate day for Cleveland to end its 52-year drought of a championship in any major sport.
I think of all of the time spent with my dad — glued to the TV, at the games and discussing our teams. I think of my Grandpa Stevens and his love of sports — perhaps only surpassed by my Grandma Stevens' love of the Tribe. We have put lifetimes into this.
As I ponder the many possibilities that may unfold tomorrow, I conclude this: It's a win-win situation.
If the Cavs win their third straight game against the mighty Golden State Warriors, they will have an NBA championship! If they lose, then another huge piece of Cleveland sports pain will be added to our sports mythology Jenga. At this point, some championships will have been so ridiculously close that there is value in that.
But at this point, the mythology of Cleveland sports pain is a tall, shaky Jenga tower that is bound to fall. Time can topple the tower. Our fans' devotion to these teams should help topple the tower. Heck, LeBron James may do it tomorrow!
Of course, we must put all of this in perspective. This is professional sports we're talking about. Does it matter in the big scheme of life?
My answer: Heck, yeah, it matters!
This does not solve world hunger, reverse global warming, end terrorism or give an education to Donald Trump on foreign policy. But pro sports does bring people together, create conversations and, in the case of the NBA, put on display the world's best athletes.
Cleveland's last championship came in 1964, before the Super Bowl existed, when my mom attended the game at age 15 with my Uncle Steve. She still has the ticket stub:
I will be celebrating Father's Day with my daughters, fiancee and Game 7 of the NBA Finals. My father will be with me in spirit. My grandparents will be with me in spirit. My extended family will be with me via text, phone and FaceTime. Whatever happens, happens.
The Jenga tower of Cleveland sports pain is bound to topple.
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ReplyDeleteLet me explain the two factors that will determine the interest rate you will have. The main element is the amount of equity you have in your home. The best way to find this out is to call a real estate appraiser and ask them if you can get a “value check” on your home. This shouldn’t cost you anything. The appraiser will look up the sales data for your neighborhood and will ask you about your home. He will then compare your home to the others recently sold and will give you a range of value. He will not be able to give you an exact value unless you hire him to physically come out to your home and conduct a full appraisal (which I don’t recommend that you do since often times an appraisal is NOT required on a HELOC). Now take the balance due on your mortgage and subtract that amount from the amount given to you buy the appraiser. The answer you come up with is the amount of equity you have to work with.
The next element that will determine your interest rate is your credit score. The higher your credit score, along with a higher percentage of equity in your home (equals less risk to the lender) means a lower interest rate to you,. This type of loan is mainly geared toward those individuals with good, not great, but good credit.
Lets look at a couple of examples of a HELOC. Mr. Dogcop has some equity in his home. He doesn’t have any present needs for cash, but there are some things coming up in the near future where just writing out a check would make things much easier. He has more time to spend on the loan process now than he will later. Also, he will have a lot of comfort knowing that he has a little nest egg stashed away for that unexpected home emergency.
Another example is Ms. Honorcop who has $25K in revolving credit card debt and is paying interest rates from 10% to 21%. She has kept current on her payments but will never see the balances go to zero if she keeps paying them in the regular manner. She can now roll those debts over to a HELCO and pay the going Prime Interest Rate for the life of payday loans online at MWtank.com (currently at 9.50% at the time of this writing – APR 9.50%). With the equity in her home, she could pull out $40,000 in equity, pay off the current debt of $25,000 and still have $15,000 in her account ready to tap into. But in the mean time she is only making payments on the $25,000 she used and her minimum payment is only about 1% of the balance due (used).
A very great Loan Modification Expert, for any purpose you can imagine. Pay for your son or daughters college tuition up front for the year. At last you can get your kitchen remodel done before Christmas, consolidate your high interest bills, buy Christmas presents (and with a tax deduction), or just apply for the loan and keep it in the account. You will have the peace of mind knowing that the money is there if the need arises. It’s your money. Take control of it and make it work for you rather than someone else.
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