Disney Cars Toy Organizer

If you are considering tapping into your homes equity to consolidate debts or do some home improvements, you should know your options. Below, you will find the three most common equity loan types available:

1. Home Equity Line of Credit (HELOC)

The first type is the HELOC. With this option a lender will give you a line of credit equal to a predetermined amount of your homes equity. You can then draw money out as you wish and only make payments on what you take. This works well for long-term home improvement projects where you will need to frequently buy materials, but do not need all of the money at once. Typically these loans have adjustable rates tied to the prime rate.

2. Fixed Term Second Mortgages

This lump-sum mortgage gives you a certain amount of your equity at one time. Frequently, these loans are used for debt consolidation and can save borrowers hundreds of dollars per month. Usually offered in 10, 15, or 20-year terms, these loans often feature fixed rates ranging from a few points higher than conventional first mortgages to rates in the low double digits, depending on your credit rating.

3. The Over Equity Mortgage

For borrowers with no equity in their homes whatsoever, there is a third option: the over-equity mortgage. Although risky to lenders and consumers, these loans where you can borrow up to 125% of your homes value can save you a lot of money when debt consolidating and can be great for smart, value-enhancing home improvement projects. Even with extremely high interest rates, these loans are still good options for borrowers unable to find unsecured loans that meet their needs.

Now that you know your options, you will want to carefully consider which one is right for you and make a wise borrowing decision.

Suggested Home Equity Lenders - We maintain a list of recommended mortgage companies online and update the list regularly.

See a List of Bad Credit Home Equity Lenders- We also have a list of home equity lenders specializing in poor credit borrowers.

Books like many items, simply rot away on our shelves and become clutter if we don't use them. Left unused for long periods of time, well, you know what happens to many of them. They collect a ridiculous amount of dust, turn yellow, and start to fall apart! Unused books create stagnant or stuck energy in your home. And they start to smell bad, too!

Is this the life you intended for the book when you bought it? Wouldn't it be great to share what you got out of the book with others? Why are you hanging on to them when they could be having a useful life and continue to be of value to people?

Okay, so if I can't appeal to your philanthropic nature, let me try the money angle. : ) If you donate your books - and itemize deductions, you can deduct them from your income taxes! Check out It's Deductible software. They allow you anywhere for 2 - 30$ per book depending on the type. You can also donate your Books on CD and Books on Tape!

Where to Give Your Books Away

I did some digging around...and here are 11 neat ideas for sharing the books you love, before they become just clutter in your home.

1. Your Local Library Unfortunately, many libraries don't take book donations anymore! But some do so it is worth finding out if there a library near you that will take your books, even if your city or town does not. Note: They will usually take Books on CD and Books on Tape, Videos, DVDs, and Music CDs and Tapes too! What a great way to give your media life...and you can still check them out yourself if you want!

2. JustGIVE.org This site provides a great list of places to donate just about anything! Whether you want to donate Books, Furniture, Household Good and Clothing, Computers, Cars, Cell Phones, Pet Supplies, Eyeglasses, your Hair, or even your Organs, you can find a resource here.

3. Friends of Libraries, USA This group is currently accepting donations to rebuild libraries affected by hurricanes and more. You can ship books to them. Address: 1420 Walnut St, Suite 450 Philadelphia, PA 19102-4017 Call: 215-790-1674 or 1-800-9FOLUSA http://www.folusa.org/

4. Vietnam Veteran's Association They have both pick up service and drop off service. There is a limit on the number of books you can donate at one time.(2 bags or 2 boxes in my area). Not all areas have pick up service. They will also allow you to set up a monthly pick up. This is a great way to keep the volume of stuff in your home under control. Simply set up a donation area in your home and fill up the yellow bag they give you every month.

5. Freecyle.org Here you can list your ads for free and give your books or anything else away!

6. BookCrossing.com The practice of leaving a book in a public place to be picked up and read by others, who then do likewise. You can register your book and track its travels here!

7. Housing Works in NYC 126 Crosby Street, NYC 10012 (212-334-3324) You can drop off or ship books to them. They work to end homelessness and AIDS in NYC. http://www.housingworks.org/usedbookcafe/donate.html

8. Craigslist.org Here you can list your ads for free and give your books or anything else away!

9. Bridge to Asia's Textbook and Journal Donation Program Not sure who would want your old textbooks and professional journals? This group seeks college, graduate and professional level teaching and research materials in English. They collect books, journals and other forms of information, both used and new. bridge.org

10. PaperbackSwap.com Here you can mail your books in (usually costs $1.59 per book)and get credits. Then you can use your credits to get books you want.

11. BooksThroughBars.org What better way to rehabilitate someone than through education and reading? This program provides books to prisoners. Before sending books, make sure you check the rules on what types of reading material each prison allows.

Noteable Book Related Charity

FIRSTBOOK.org They don't take books, but you can donate to help kids in need get their "first books."

So if you really love your books, and don't want them to just become clutter, get them organized and pass them on to a place where they will be loved and useful once again!

Would you like to simplify your life and get more organized? Get lots more organizing tips at http://www.neatandsimple.com plus get her free e-book, 100 Ways to Organize Your Busy Life! Ariane Benefit is an organizing expert, author and coach who has been quoted in Psychology Today, the Wall Street Journal, and more. Visit her popular Neat & Simple Living Blog at http://blog.neatandsimple.com Ariane has over 25 years experience helping businesses and individuals get the results they want. Take a peek inside her book, Neat & Simple Guide to Organizing Your Office at http://www.neatandsimple.com/organizingyouroffice.html