NANNING Mario Edwards Jr Jersey , Jan. 24 (Xinhua) -- A group of cave explorers havespotted a rare fish species in an exploration tour in southern China's Guangxi Zhuang Autonomous Region.
A total of 15 explorers, including Chinese and French experts,spent nine days in caves in Hechi City in Guangxi, said groupleader Chen Lixin.
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They explored eight caves, totalling 20 kilometers, and foundthe golden-line barbel, a type of rare cave fish, in Zhai'aovillage in Bagong township.
The fish live in water free from pollution and is in smallnumbers Eddie Vanderdoes Jersey , according to Chen. They also spotted a type of rareshrimp, which shows the environment of the area is in goodcondition, he said.
The explorers also found a great variety of stalactite in thecaves. One stalactite column is 18 meters high, Chen said.Enditem
Getting onto the property ladder can be tough. With large mortgage deals at 90-100 per cent few and far between, it’s rarely been more difficult for young people to buy their first home. However Obi Melifonwu Jersey , all is not lost as there are various ways that you, as a parent, can help them.
Recent research found that without parental assistance, some 100,000 buyers would have not been able to buy their first home between 2008 and 2011. The so-called Bank of Mum and Dad has ensured £5.3 billion of property sales in just three years.
Here Gareon Conley Jersey , we look at three ways that you can help your children onto the property ladder.
Remortgage your own home
If your children are struggling to save for a new home, you could help them by providing part or all of their deposit. A remortgage is a great way of releasing some capital from your home to gift or loan to your kids.
Islay Robinson, director of London mortgage broker Enness Private Clients, believes that if you have plenty of equity in your property then you could consider remortgaging to release some of this capital and even if you have a high value mortgage on your home you can benefit from switching lender – both to release equity and to benefit from a lower interest rate.
Use specialist lender schemes
Over recent lenders, various lenders have introduced innovative schemes that allow parents to help children buy a property.
One such scheme is a ‘family offset’ mortgage that lets you use your savings to help your children or grandchildren to buy a home.
You put your savings into an account linked to the mortgage. It acts as a deposit although the savings remain under your control and can revert to you at a later date. However P.J. Hall Jersey , you give up any interest or investment returns on the money in order to help the buyer.
The Daily Telegraph reports that ‘you must be prepared to lock up your money for some years; you will not be able to get your hands on it until the mortgage is worth 75 per cent of the property value.’
An alternative scheme is offered by Lloyds. Their ‘lend a hand’ scheme lets you put cash into a Lloyds savings bond that is used as security for the loan. You will benefit from a return on your savings but the cash has to be tied up until the mortgage is less than 80 per cent of the property value.
Guarantee their mortgage
A third option that you have to help your child is to ‘guarantee’ their mortgage. Here, you use your income to boost the amount that your child can borrow. Some lenders will allow you to be named on the mortgage without being a joint owner of the property, which avoids any capital gains tax issues.
Islay Robinson, the London mortgage adviser specialising in large mortgages, adds: “If you guarantee your child’s mortgage you should understand that you are offering additional security Kolton Miller Jersey , which will be at risk if your offspring defaults on the mortgage. You should always take independent legal advice in this situation.” The Windows Registry is an critical technique file housing massive quantities of computer-related details concerning plan storage, how DLLs (helper programs) are shared among several applications, listings of all Start-menu shortcuts, and pointers to each precise system so the appropriate one runs after you invoke the application.
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