Should I Sell or Keep My Paid-Off House? Here are the factors to consider

Table of Content

• Equity Loan Requirements
• Cash-Out Refinance
• How to get a home equity loan
• Tax Lien Sale and Home Equity Loan
• Can You Use Home Equity To Pay Off a Mortgage?
• Home Equity Lines of Credit (HELOCs)
• What’s a home equity loan?

Be sure to shop around and compare rates before you decide on a lender. The downside, though, is that closing costs tend to be high on cash-out refinances, so make sure you have cash on hand to cover these. According to Freddie Mac, the average closing costs on a refinance are around $5,000. Instead of getting a credit line that you can use many times, home equity loans give you a one-time, lump-sum payment at closing.

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. Suzanne De Vita is the mortgage editor for Bankrate, focusing on mortgage and real estate topics for homebuyers, homeowners, investors and renters.

Equity Loan Requirements

We analyze over 27 million transactions and thousands of reviews to determine which agent is best for you based on your needs. There are also several reasons to buy a new house but keep your paid-off house. If you can afford to purchase another house but keep up with the taxes and utilities of the paid-off house, you have even more options.

If their home equity loan offers a lump sum of up to 85% of their equity, then they would be able to borrow up to $85,000. Although some homeowners use these funds to pay down their mortgage, they could also take out a home equity loan to cover other costs, such as remodeling their kitchen or paying for college. If you’re considering a cash-out refinance, SoFi might be an option. The online bank offers loans, credit cards, insurance, credit cards, and more. Using a home equity loan on a paid-off house allows you to tap into a significant amount of your equity since there are no other liens against the home. "Your home equity is more appealing to lenders since they know that you’ve already paid off a large loan," Pendergast said.

Cash-Out Refinance

On the other hand, one of the great advantages to using a home-equity loan to pay off credit card debt is the low interest rate afforded to these secured loans.Most home-equity loan rates are just. This number is the total monthly debt obligations divided by income. Lenders take this number and add the new potential equity mortgage payment to see if it remains in the low 40 percent range. Especially with bad credit, you need to prove you have plenty of income to cover expenses and the mortgage payment. Home equity loans use your house as collateral for the loan, just like your primary mortgage.

A home equity loan functions much like a mortgage where you’re provided a lump sum up at closing and then you begin repayment. Every month, you’ll make the same payment amount, which is a combined principal and interest payment, until your loan is paid off. In the first half of the loan, you’ll make interest-heavy payments and then principal-heavy payments in the second half — this is called amortization. Using these funds, the escrow agent repays the primary $400,000 mortgage and the $50,000 home equity loan, leaving you with a profit of $355,000 before closing costs of around 10%. Lars Peterson is a veteran personal finance writer and editor with broad experience covering personal finance, particularly credit cards, banking products, and mortgages. He has been writing and editing for more than 20 years and has a knack for digging deep into a subject so he can make it easier for others to understand.

How to get a home equity loan

Mortgages are typically taken when you purchase the home, allowing you to buy the home over an extended period of time. Mortgage durations are usually 15- or 30-year terms with fixed or adjustable rates. Owning the house outright means you made scheduled payments and have a zero loan balance. Home equity loans are sometimes called second mortgages since they operate in a very similar fashion.

Once your main mortgage is paid off, though, qualifying for a home equity loan is usually easier than ever. Expect to pay around 2% to 5% of the loan amount in closing costs. Using a paid-off house as collateral has both advantages and disadvantages. Consider these pros and cons before taking out a home equity loan.

Remember, though, that when you tap the equity in your home, you are essentially taking out a mortgage that is backed up by the value of your home. I have guaranteed $1000 a week income from a SMSF, which I can’t take. Here are a few of the key advantages and disadvantages of home equity loans. Carefully review disclosure documents and agree to the home equity loan terms. A home equity loan or home equity line of credit allows you to rely on equity from your house to fund a loan. You also have the option to refinance your home loan with a new loan.

For many people, it’s simply not the right time to move, or their current house is perfect for their current situation. With a HELOC, you receive a revolving line of credit instead of a lump-sum loan amount, where you can borrow money over time. Having a house totally paid off means you can tap the equity in it.

What Is Required for a Home Improvement Loan?

However, it can also cost you big if your home appreciates a lot over the course of your agreement's term. The total you're allowed to receive in cash may depend on your lender. As a general rule of thumb, you can't receive more than 80% of your home's value in cash.

Whether or not you should borrow against your paid-off house will be determined by your financial situation and why you need the money. Keep in mind that your overall debt will be factored into your debt-to-income ratio , which can affect your interest rate and eligibility for your new mortgage. These rates do not include interest payments, which are an important factor in how much you pay each month. You put down $30,000 when you bought it and since then, you have paid $30,000 in mortgage principal.

My House is Paid Off Do I still need Homeowners Insurance?

Table of Content

• Pros and cons of tapping equity on a paid-off house
• Should You Use Home Equity To Pay Off Your Mortgage?
• Equity Loans vs. Mortgage Loans
• Mortgages
• Home Equity Loan On Paid Off House
• How rising mortgage rates affect home equity loans
• Thinking about buying but not sure where to begin? Start with our affordability calculator.

The loan amount is based on the value of the home, minus the mortgage balance. Owning your home in full can make it easy to access cash when you need it without having to sell your house or pay sky-high interest rates like you would on a credit card. When you borrow against a house that is paid off, you’re introducing a financial risk that didn’t exist before. Regardless of the loan product you choose, you’ll be exposing your home to the possibility of foreclosure if you’re unable to afford the payments. Home equity loans typically have fixed rates, so you’ll have a steady interest rate and predictable payment for the life of the loan. Most lenders won’t care, for instance, if the money will be put toward funding retirement, seeding a new business or making a down payment on an investment property.

Equity is basically the difference between what you owe your lender and what your home is worth. The difference between the amount of mortgage loan owed and the value of your home is the equity in a house. For example, if the amount of outstanding balance you owe on your mortgage loan is $130,000 and the value of your house is $180,000, the equity is $50,000. With this equity, you can take out different types of loans such as equity loans, lines of credit, a reverse mortgage, cash-out refinance loans or take an additional mortgage. Home equity loan interest rates are almost always fixed, which means they’re stable throughout the life of your loan.

Pros and cons of tapping equity on a paid-off house

Let us give an example of home equity that illustrates it more clearly. The mortgage lender then offers a mortgage loan for the amount of $180,000. To calculate your home equity, you need to know the value of your home and the current mortgage balance, which is written on the monthly statement. Then, you need to subtract the current mortgage balance you owe from your home’s market value.

HELOCs in particular are designed to offer maximum flexibility, particularly during their initial draw period. Mortgages and second mortgages can typically also be repaid early, although they may be subject to prepayment rules and penalties. A home equity loan can be a great way to get the money you need for a variety of purposes, including home improvements, debt consolidation, or even investing in a second property. However, it’s important to understand that taking out a home equity loan will put your home at risk if you default on the loan.

Should You Use Home Equity To Pay Off Your Mortgage?

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. Your credit history and other financial information affect your mortgage rate on a mortgage or home equity loan.

This is an advantage over non-home equity products such as personal loans or credit cards. Review and compare the loans to determine which lender has the best terms. In addition to the interest rate and monthly payment, compare the annual percentage rate , length of the loan, total interest paid and loan fees.

Equity Loans vs. Mortgage Loans

Get rid of debts one by one and make a commitment to pay on time to build your credit back up. When you have plenty of equity, selling a home with a home equity loan isn’t a big deal. If you don’t have much home equity or you’re upside-down in your mortgage, you may be challenged.

While you deal with the debt, use any remaining credit you have responsibly. Use credit cards only for monthly necessities and pay them off every month. Take the time to get the credit score closer to what lenders prefer.

Mortgages

They’re using the $400,000 in profits to support them in their retirement. At HomeLight, our vision is a world where every real estate transaction is simple, certain, and satisfying. Therefore, we promote stricteditorial integrity in each of our posts. Among the benefits of doing so are that you can consolidate high interest rate debts or use the money to invest. To acquire a home equity loan it takes between two and six weeks from application to close, compared to four to six weeks for most other loan closings. Most lenders will allow you to borrow up to 80% LTV, but some will let you go as high as 90%.

You may feel better about signing a longer contract with lower payments if there is no penalty for an early payoff. When you’re ready to make your final payment on your home equity loan, call your lender. Only they can give you the correct final payment amount based on how much interest has accrued in that payment cycle. A cash-out refinance is a mortgage refinancing option that lets you convert home equity into cash. Your home is collateral for the loan, which allows the interest rate to be much lower than a credit card or unsecured line of credit.

Unlike with a home equity loan, a HELOC won’t give you a lump sum of cash upfront. You only borrow what you need , which is convenient because you don’t have to pay interest on the remaining funds you don’t use. You can choose to use the home equity loan to pay off your mortgage loan—if you have enough equity to afford that, and if the home equity loan has a lower interest rate than your mortgage.

"If your home is paid off, you can apply for a home equity loan without much hassle. Repayment of a home equity loan takes anywhere from five to 30 years, but the most common home equity loan term is 20 years. Talk to your lender to decide on a repayment term that works best for you. Even someone who has experienced bankruptcy can rebuild credit scores to over 600 in three or four years. If your score is in the truly bad range, review the items on the report that are bringing your score down. Look for any errors on credit items you satisfied, and petition the company and credit reporting agency to remove the error.

Can you take equity out of a paid-off house?

One of the easier ways to do this is to sell your home, but there are also financial products that allow you to extract equity from your paid-off home quickly without having to pick up and move. At Bankrate we strive to help you make smarter financial decisions. While we adhere to stricteditorial integrity, this post may contain references to products from our partners.

"Mortgages are also secured loans, which means the owner can potentially lose the home in foreclosure if they stop making payments." Keep in mind that each lender charges different amounts for home equity loan fees, and some lump multiple types of fees together. Some lenders even offer no closing cost home equity loans, which prevent upfront costs but can result in a higher interest rate for the life of the loan. Closing costs range between 2% and 5% of the loan amount, which is typically lower than closing costs on a purchase mortgage and even slightly lower than closing costs on a cash-out refinance.

How rising mortgage rates affect home equity loans

You’ll also pay a loan origination fee that’s a percentage of the total amount you’re borrowing. Liens are legal notices attached to your home when you owe a creditor money. For example, suppose you owe money to the Internal Revenue Service . In that case, you may need to satisfy the tax lien using your equity before finalizing any sale or refinancing your home. You can use your equity to pay off your mortgage through a home equity line of credit , a home equity loan, or by refinancing.

Metro area, Erika enjoys painting her furniture too many times and finding the prettiest townhouses to walk by. Home equity loans are a type of second mortgage that let you turn your home equity — or the portion of the home you actually own — into cash. She does management consulting for finance and accounting for businesses, utilizing her years of experience in public and private industry in financial planning & analysis and accounting. She does one-on-one coaching for personal finances with a five-week program she developed to help people learn to manage money and experience financial freedom and success. She created a financial planner to view money spending habits, track your finances, and write out your goals. Before tapping into your home equity, consider all the options carefully and fully understand the terms and conditions for each.

10 The Best Desktop Pc For Home Use 2022: Rankings & Available Today

Table of Content

• Best Chrome OS All-In-One Desktop
• HP Pavilion TG01-1120
• Dell - Inspiron Desktop - Intel Core i3-12100 - 8GB Memory - 256GB SSD - Mist Blue
• The Best Desktop Computer For Office Use in 12/2022 (Top 10 Products)
• Do I Need a Powerful Graphics Card?

Play all the latest games on a 4K or ultra-wide monitor with extreme processing power and Nvidia's 2nd gen RTX architecture on Skytech Gaming PRISM II Gaming Desktop Computer. With 12GB dedicated of ultra-fast GDDR6X memory, the RTX 3080 Ti graphic card offers the ultimate performance, most realistic ray-traced graphics for gamers and creators. The 360mm AIO liquid cooler lower your PC temperture in a more efficient and quiter way than air.

Full-sized desktops typically come in the form of a tower that takes up a lot of space but is easy to upgrade with additional memory, storage, and other components. Compact desktops require less room but leave less room to upgrade, too. For example, the tiny Apple Mac Mini performs very well in our tests, but users can’t upgrade the memory or storage.

Best Chrome OS All-In-One Desktop

Meanwhile, creative professionals and other power users should consider the graphics-acceleration recommendations of the apps they plan to run, using the software maker's system requirements as a guide. Graphics-accelerated video rendering or AI programs can benefit from the same types of GPUs as intensive 3D games. Professionals eyeing workstations will want to consider Nvidia's RTX A series lineup or AMD's Radeon Pro models. Check out our deep-dive guide to graphics cards for much, much more on the nuances of today's video cards.

It has a powerful Intel Core i5 processor with four cores and eight threads. With twin-channel DDR4 memory and up to 8GB support, you can work with large files and multi-tasking efficiently with high-quality image and video playback. This system is especially suitable for professionals who need a powerful PC that is also affordable to buy. That means the PC "guts" are essentially built into a monitor or its base.

HP Pavilion TG01-1120

Desktop computers can generate a lot of heat, and they need a steady airflow to keep cool. The best way to keep your computer from overheating is to put it in a place where there’s adequate air circulation. Most importantly, note where your computer’s exhaust fans are, and be certain that they’ve got enough room. Keep some canned air or a mini blower-vacuum handy and regularly clean your computer. Desktop computers are good at a lot of things, including collecting dust, so have a plan for how you’re going to keep everything tidy.

You get to pick out components, and a PC's assembly isn't as daunting a task as you might think. However, it is time-consuming, and if you're doing it for the first time, it can be scary, and there is some risk of damaging expensive components. If you don't want to invest the time into part sourcing, installation, and troubleshooting, you might be better off buying a pre-built system. Typically, you want to have at least 8GB unless you’re considering a low-power Chrome OS device.

Dell - Inspiron Desktop - Intel Core i3-12100 - 8GB Memory - 256GB SSD - Mist Blue

That way, you'll know which are best suited for gaming, which is our favorite general-purpose all-in-one, and which is the best if all you need is a small, powerful system you can get up and running quickly. Many towers will also have multiple audio ports, including possibly an optical output and ports for individual speaker channels in a surround-sound setup. Make sure that these match up with any gear you may have; the number of surround-sound jacks can vary depending on the PC and its motherboard. Note that Wi-Fi and Bluetooth connectivity, while reliably present on even the cheapest laptops and many smaller desktops, is not a given on larger towers. While desktops don't come in as many distinct form factors as laptops, there's great variation in computing power and room for upgrades and expansion.

But you can get reasonable configurations for about half the price of my evaluation unit. Laptops and mobile devices may be all the rage these days, but there are times when nothing but a proper desktop computer will do. Whether you’re a hardcore PC gamer, a work-from-home warrior, or a once-in-a-while user, a desktop computer is the perfect way to get peak performance at a fraction of the cost of an equivalent laptop. Armed with all of the knowledge and decision points above, you're almost ready to shop. We review hundreds of PCs every year, evaluating their features and testing their performance against peers in their respective categories.

HP Envy 34 All-in-One PC

As a result, you may want to settle for a screen with a full HD or 1080p (1,920-by-1,080-pixel) native resolution and spend money to upgrade other components instead. Some buying concerns, no less crucial than the ones above, apply only to certain types of desktops. Deciding on a screen size and type is critical for AIO shoppers, for instance. Google's Chrome OS is a viable alternative to Windows and macOS, but desktops running it are rare and best suited to niche uses like powering a restaurant menu display. A fourth option is to buy a desktop with no operating system at all and install an open-source one of your choosing, such as Ubuntu Linux. We don't recommend going this route unless you're technically savvy, willing to experiment, and okay fixing software compatibility issues and other quirks.

Intel Turbo Boost Technology delivers dynamic extra power when you need it, while increasing energy efficiency when you don't. 【11th Gen Intel Core i3-1125G4 】2GHz base frequency, up to 3.7 GHz with Intel Turbo Boost Technology, The 11th gen dual-core laptop brings the perfect combination of features to make you unstoppable. This is an ideal home office laptop to get things done fast with high performance, instant responsiveness and best-in-class connectivity. The Mac Pro has long been the top dog in Apple's computer lineup, but the current version is an aging Intel model that starts at a whopping $5,000. By comparison, the new-for-2022 Mac Studio is powered by the latest, greatest Apple silicon chips -- the M1 Max or M1 Ultra -- and starts at less than half that price. Creative professionals and hardcore PC gamers will appreciate the raw power and slim form factor of the Corsair One Pro a200 desktop computer.

The Best Desktop Computer For Office Use in 12/2022 (Top 10 Products)

Desktops also tend to have more ports and connectors than all-in-ones. Both Dell and HP are big, well-established companies with a long history of producing quality products. They both offer a wide range of products and services, and both have a good reputation for customer service.

We haven't had the chance to go hands-on with the Alienware R12, but we did look at the R11, and we're confident enough in the Alienware brand to conclude the R12 is a beast. However, all-in-ones typically have lower-powered processors and smaller storage capacities than desktops. If you need a lot of computing power or storage, or if you need to connect a lot of devices, an all-in-one might not be the best option. All-in-one computers are a newer category of devices that combine the monitor, processor, and storage into a single unit. This makes them smaller and more portable than traditional desktops. All-in-ones also tend to have better battery life than desktops, and they’re often more affordable.

Recurring Gift Options Giving to Michigan State University

Table of Content

• Top 10 Nonprofit Monthly Recurring Gift Strategies
• In-Kind Donations: A Complete Guide
• Recurring Gifts
• Already a Grace Sustainer but want to adjust your ACH donation? Tap here.
• Monthly giving really is the bomb!

For example, I could pledge $100,000 for a building restoration project, which I commit to paying only after the organization raises $250,000 toward this project. Payments that succeed are placed in unapproved batches and you must approve them to create their gift records. These gifts don’t have to be big; oftentimes, a thoughtful small gift is more than enough to show others that they are valued. Feature monthly giving options in a prominent place on your website, and in all fundraising messaging. Consider setting up a separate page that is specific to monthly giving to further personalize the experience. Recurring gifts are not something your organization should overlook.

Recurring gifts are a way for one person to make a lasting contribution to a nonprofit. For the organization, monthly giving offers a steady stream of revenue, a luxury that many nonprofits desire given the seasonal nature of fundraising. Furthermore, recurring gifts often increase the annual value of a donor. Someone who has given $50 in the past year might be persuaded to commit to $10 a month, which more than doubles their annual contribution. When donors fulfill their scheduled commitments, the payments are tracked as recurring gift payments.

Top 10 Nonprofit Monthly Recurring Gift Strategies

For more information, see Recurring Gift Summary. For organizations that decide that donor gifts are the best route for engaging donors, they’ll have to be strategic about what they send. It’s a good idea to send donors something they’ll actually appreciate. That means making gifts high quality, practical, and/or unique (aka saying goodbye to the cliché charity tote bag). Sending out one email or letter at launch-time will not create a program.

Ultimately, it translates into many more families getting the support they deserve. You help me raise more money for my UK charity. Brand every communication donors receive, and tell them what heroes they are. This can’t be a passive ask, or merely one option among many that’s included as a donation remit or landing page check box.

In-Kind Donations: A Complete Guide

When she’s not working or writing, Erica can be found on the golf course (she’s a straight shooter) or quietly reading a book. And if there’s an event with a live band, she and her husband, Patrick, can be found on the dance floor. Erica and Patrick have two step sons and a cat, Mientje.

Collecting donations is crucial for keeping nonprofit organizations up and running. Since recurring donors are typically better sources of donations, finding and retaining donors is a key strategy for maintaining a reliable stream of incoming donations. Donor happiness often determines whether or not people will donate to an organization again.

Recurring Gifts

Each payment attempt results in success or failure. Like any other successful campaign, the easier it is for someone to make a recurring gift, the more likely they are to do so. Make sure the whole experience is as easy as possible for your donors .

Today, all your donors need to do is visit your organization’s online giving page and select the recurring gift option as they contribute their gift. A robust monthly giving program not only builds a community of engaged and invested donors, but also creates a reliable stream of revenue that allows you to make long-term plans. Apply these tips to your own recurring gifts program to reach more donors and promote a sense of community and partnership. You should also think about thoughtful ways you can thank your monthly donors beyond the acknowledgment letters and year-end tax statements.

Monthly Donors Should Receive an Immediate Thank You

Download “A Quick-Start Guide to Monthly Giving” to implement an effective monthly giving program into your nonprofit’s fundraising efforts today. Create an online monthly giving option on your website’s donation page. Include impact labels to show what a recurring donation provides.

So something simple that you should do at least once a year—if not once a quarter—is make a donation to your own organization and see what the process is like. The Commons A community-based approach to innovation on the Salesforce platform for nonprofits & schools. Power of Us Eligible nonprofits and educational institutions can receive up to 10 donated subscriptions from Salesforce. Neon One saw that a third of all donors were new to the organizations they chose to support this year.

Already a Grace Sustainer but want to adjust your ACH donation? Tap here.

With distinct systems in place you can use pledges and recurring gifts to increase revenue for your organization. A monthly giving program is a worthwhile initiative, no matter what sector your organization works in. Unfortunately, too many nonprofits don’t do much to encourage recurring donations.

Printing your letters is more time-consuming and costly, however many people love the personalized feel of getting a letter in the mail. In addition, when it comes to tax preparation having a printed copy of your acknowledgment letters is convenient for your donors. Use your donor management system to segment your donors to specifically contact monthly donors, track your progress, and report on the impact of their gifts.

Monthly giving really is the bomb!

By laying out the program and being transparent, donors will be much more likely to opt-in, and you’ll be well on your way to a more predictable revenue stream. Erica has over 30 years of experience in nonprofits and direct response. She helped the nonprofits she works with raise millions of dollars through monthly giving programs. She is also very actively supports organizations with annual fund planning and execution, ranging from copywriting, creative, lists, print and mail execution. The recurring donor thank you process is different than your standard acknowledgment process.

What Our Clients SayRead reviews from nonprofits who’ve built websites with us. Library SystemConnect visitors with resources based on their interests. Event SystemShowcase upcoming events and accept free or paid registrations. Flexible Form BuilderQuickly gather information from visitors with custom online forms. Exactly what our profession can use – clarification –- the title of your blog. You help us keep faith with the past while making sense of the present and future.

Join Ghost Ranch as a Sustaining Supporter with a monthly donation

Instead, I’m just agreeing to pay the same amount, $10/month, for example, for as long as I choose. I could cancel my recurring gift two months from now, or 5 years from now. If and when I cancel it, there’s no obligation to pay a full amount that I’m leaving unfulfilled. I’m making a series of repeated gifts to your organization, which I can continue indefinitely or cease at any time. Updates registered credit cards with any new information, registers any credit cards added since the previous run, and de-registers credit cards to exclude from future updates.

Jacqueline "Jackie" Schnelle Obituary Visitation & Funeral Information

Table of Content

• Provide a Lasting Memory
• Funeral Sermons [Leichenpredigten][edit | edit source]
• Join Our Obituary Alert Email List
• Owned and operated in Ohio by the Snyder family since 1922. ♡

Published funeral sermons were most popular from about 1550 to about 1750. They usually contain information such as names, dates, places, relatives, life histories, and sometimes pedigrees for many generations. Eulogies are subject to error because the information was given by relatives who did not always remember facts accurately. A celebration of life is planned for later in the Spring.

He loved hunting, fishing, riding four wheelers and snowmobiles. We are available 24/7 to provide support and information. Karla Cole’s sons, Antonio & Brice Green, join the family business launching a fourth generation of the firm’s dedication to the Detroit community. Through online arrangements, you can take your time selecting the arrangements best suited for your preferences and budget. Explore different options until you find those right for you.

Provide a Lasting Memory

At James H. Cole Home for Funerals we offer a variety of packages designed to pay honor and tribute to your loved one at an affordable price. We specialize in a variety of affordable packages designed to pay honor and tribute to your loved one. Pre-planning lets your loved ones focus on honoring life instead of hashing out details. Learn the choices you can make now, so a future funeral becomes more of a celebration than a burden. Funeral homes often submit obituaries as a service to the families they are assisting. However, we will be happy to accept obituaries from family members pending proper verification of the death.

During his life he had keen interests in cars, horses, dogs, and firearms. His main intellectual interests were military history, financial markets and investing. He made friends everywhere he went and never met a stranger.

Funeral Sermons [Leichenpredigten][edit | edit source]

Pre-planning ensures that your wishes are precisely followed, while your family is not burdened with the task of making emotionally difficult decisions. Many who visit our website simply wish to view an obituary or online tribute. If that is true for you, please look above for the related details. We’re here to guide you through these difficult moments in your life. The index is called the Union Catalog for German Collections of Personal Writings and Eulogies (see the “Archives and Libraries” section). He had worked as a truck driver and warehouse manager for Youngstown Wholesale for 28 years and enjoyed old cars and socializing.

It is a bittersweet reminder of all we've lost, but it can also help us to remember all we enjoyed while they were alive. If you have recently lost someone you love, we hope that you will accept our condolences. Funeral sermons include remarks made by ministers regarding the life of a deceased person.

Join Our Obituary Alert Email List

Or, visit our funeral home in person at your convenience. The James H. Cole Legacy Foundation is a 5013 not-for-profit organization which seeks to support organizations that encourage economic growth and prosperity among the citizens of Detroit through education, inspiration, and guidance. Karla M. Cole receives her license of Mortuary Science, assuring a third generation of Coles at the family-owned funeral home.

In response to Coronavirus (COVID-19), we're proud to provideLive Streaming Funeral Servicesto help keep our communities safe while connecting loved ones. Whether you’re acting in the moment or planning ahead, let us guide you. Whether you’re acting in the moment or planning ahead, we’re here to guide you. A free resource to help you through the funeral planning process.

Owned and operated in Ohio by the Snyder family since 1922. ♡

He was born on October 10, 1958, in Youngstown, Ohio, a son of the late Oliver and Geraldine Hartman Danko. In lieu of flowers, memorial contributions may be made to Krislund Camp and Conference Center, 189 Krislund Dr, Madisonburg, PA or to the State College Presbyterian Church, 132 E Beaver Avenue, State College, PA 16801. Following his military service he attended The University of Pittsburgh where he received a Bachelor of Science Degree in Business in 1960. 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.

In Germany, these sermons were often collected and published. The middle and wealthier classes were more likely to have sermons for their dead, but sermons can occasionally be found for farmers, printers, or soldiers. Protestants started the practice and made the most funeral sermons, but Catholic priests also followed the custom. We are a family owned and operated Funeral Home in Oceanside and we continue to maintain a long-standing tradition of personalized service that began with Mr. Earl Towers in 1933 and continued with his son Robert E. Towers. If you or someone you care about is in need of grief support, we invite you to review our grief resources. Naturally, if you have any questions about what you can expect during the days, weeks, and months following loss, we're available by phone, by email or in person.

The experienced funeral directors at James Funeral Home will guide you through the aspects of the funeral service with compassion, dignity and respect. We specialize in providing our families with a variety of personalized options to create a special and memorable service for their loved one. We also offer many personalized jewelry pieces, mementos, and permanent memorials that allow families to pay a special tribute or create a custom keepsake in honor of their loved one. Our staff of dedicated professionals is available to assist you in making funeral service arrangements. From casket choices to funeral flowers, the funeral directors at James Funeral Home provide individualized funeral services designed to meet the needs of each family.

The fourth generation, family owned and operated business, continues to offer the highest quality of service at the most competitive price in the marketplace. Obituaries act as quiet reminders of the finite nature of our lives. Yet, for those who have recently experienced the death of a family member or friend, an obituary means so much more.

Has A Loved One Passed Away?

Michael James Granbois, 82, of Lancaster, formerly of Conestoga, passed away Wednesday, December 14, 2022. Mike was born March 24, 1940 to Kenneth and Margaret Granbois in Conestoga, Pennsylvania, the only child. Mike was raised in Safe Harbor Village ; the family farm in Buck, PA; and the city of Lancaster. He graduated from Bordentown Military Institute in 1959 and was a member of the wrestling and rifle teams.

Obituary of James E Riecker

Table of Content

• Funerals & Obituaries
• All Obituaries
• GRIEF SUPPORT
• Everyone’s life is unique, worth celebrating and honoring
• Celebrating a Centennial of Service Excellence

Our honest service and commitment to excellence have served our customers well, and you can rest assured that we can assist you in your time of need. Whether you have come to our site for information about an upcoming service or to make arrangements for one, we hope the information you find here will be helpful. He shared stories of his family, especially a grandson in the armed forces, and fiercely loved you all. 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. 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.

Stay up-to-date on event information as well as memories shared on James Vance Pickett’s Tribute Wall. Arrangements are under the care of Koch Funeral Home, State College. Online condolences may be entered at or visit us on Facebook. Beloved wife of Luke McClendon Sr., Adored mother of Alta English, Shavone Salery, Sherrita Smith, Mamie Smith, Akeem Smith, Luke... Stay up-to-date on event information as well as memories shared on Jacqueline "Jackie" Schnelle’s Tribute Wall. You are welcome to call us any time of the day, any day of the week, for immediate assistance.

Funerals & Obituaries

Michael James Granbois, 82, of Lancaster, formerly of Conestoga, passed away Wednesday, December 14, 2022. Mike was born March 24, 1940 to Kenneth and Margaret Granbois in Conestoga, Pennsylvania, the only child. Mike was raised in Safe Harbor Village ; the family farm in Buck, PA; and the city of Lancaster. He graduated from Bordentown Military Institute in 1959 and was a member of the wrestling and rifle teams.

He enjoyed the morning ritual of meeting his friends for coffee and he loved going to Walmart. He loved coaching his kids, Leetonia youth sports and he never missed his children’s or grandchildren’s sporting event or school function. Jim will be remembered as a proud husband, dad and papa who loved to brag about his family, even though he tended to over share his family’s personal business. He will be greatly missed by all who had the pleasure of knowing him. The loss of a loved one can leave you with a lot of unanswered questions, feelings of stress and anxiety and grief that makes events difficult to handle.

All Obituaries

The fourth generation, family owned and operated business, continues to offer the highest quality of service at the most competitive price in the marketplace. Obituaries act as quiet reminders of the finite nature of our lives. Yet, for those who have recently experienced the death of a family member or friend, an obituary means so much more.

In Germany, these sermons were often collected and published. The middle and wealthier classes were more likely to have sermons for their dead, but sermons can occasionally be found for farmers, printers, or soldiers. Protestants started the practice and made the most funeral sermons, but Catholic priests also followed the custom. We are a family owned and operated Funeral Home in Oceanside and we continue to maintain a long-standing tradition of personalized service that began with Mr. Earl Towers in 1933 and continued with his son Robert E. Towers. If you or someone you care about is in need of grief support, we invite you to review our grief resources. Naturally, if you have any questions about what you can expect during the days, weeks, and months following loss, we're available by phone, by email or in person.

GRIEF SUPPORT

At James H. Cole Home for Funerals we offer a variety of packages designed to pay honor and tribute to your loved one at an affordable price. We specialize in a variety of affordable packages designed to pay honor and tribute to your loved one. Pre-planning lets your loved ones focus on honoring life instead of hashing out details. Learn the choices you can make now, so a future funeral becomes more of a celebration than a burden. Funeral homes often submit obituaries as a service to the families they are assisting. However, we will be happy to accept obituaries from family members pending proper verification of the death.

Pre-planning ensures that your wishes are precisely followed, while your family is not burdened with the task of making emotionally difficult decisions. Many who visit our website simply wish to view an obituary or online tribute. If that is true for you, please look above for the related details. We’re here to guide you through these difficult moments in your life. The index is called the Union Catalog for German Collections of Personal Writings and Eulogies (see the “Archives and Libraries” section). He had worked as a truck driver and warehouse manager for Youngstown Wholesale for 28 years and enjoyed old cars and socializing.

Obituary

He met his wife of 55 years, Virginia Lee , in 1966 and married her soon thereafter. In April of 1967, Michael began his lifetime career in the printing industry, working for R.R. Donnelley & Sons as a pressman for 35 years until his retirement in 2002. Michael enjoyed spending time with his family and friends, and especially enjoyed Sunday dinners with his children and grandchildren. He loved the outdoors and enjoyed fishing, hiking, and hunting.

Published funeral sermons were most popular from about 1550 to about 1750. They usually contain information such as names, dates, places, relatives, life histories, and sometimes pedigrees for many generations. Eulogies are subject to error because the information was given by relatives who did not always remember facts accurately. A celebration of life is planned for later in the Spring.

In Loving Memory

Or, visit our funeral home in person at your convenience. The James H. Cole Legacy Foundation is a 5013 not-for-profit organization which seeks to support organizations that encourage economic growth and prosperity among the citizens of Detroit through education, inspiration, and guidance. Karla M. Cole receives her license of Mortuary Science, assuring a third generation of Coles at the family-owned funeral home.

Prepare a personalized obituary for someone you loved.. We’ve put together a funeral planning guide designed to help answer some of your questions, and help guide you through the process of planning a funeral. We understand that coping with the loss of a loved one during the Covid-19 outbreak is difficult.We are here to help. He will be remembered by me for the good times at his house on Pearl St with his son, Wheatland wrestling matches and storming around the floors of R.R. This material may not be published, broadcast, rewritten, or redistributed. Jim was preceded in death by two sisters, Sherri Lynn Danko and Debbie Campbell; brother, Anthony Danko and two brothers-in-law, Nick Pachell and Kenneth Campbell.

The experienced funeral directors at James Funeral Home will guide you through the aspects of the funeral service with compassion, dignity and respect. We specialize in providing our families with a variety of personalized options to create a special and memorable service for their loved one. We also offer many personalized jewelry pieces, mementos, and permanent memorials that allow families to pay a special tribute or create a custom keepsake in honor of their loved one. Our staff of dedicated professionals is available to assist you in making funeral service arrangements. From casket choices to funeral flowers, the funeral directors at James Funeral Home provide individualized funeral services designed to meet the needs of each family.

He was our Captain as we sailed the Chesapeake, the Bahamas and the Virgin Islands, as well as Lake Erie. Family and friends are coming together online to create a special keepsake. Every memory left on the online obituary will be automatically included in this book. Please share a memory of James to include in a keepsake book for family and friends.