HELOC lender draw period, repayment and interest rate rules vary by the lender. HELOCs come with two set phases. We may mention or include reviews of their products, at times, but it does not affect our recommendations, which are completely based on the research and work of our editorial team. Or, you may have a balloon payment, which means the remaining balance becomes due. Terms: The line of credit has a draw period of 10 years plus 1 month, after which you will no longer have access to borrow funds and will be required to repay the borrowed balance within a 20-year term. When you took out your line of credit, you agreed to the time frame for each period. © 2018 - 2021 The Motley Fool, LLC. If you have an outstanding balance on your current HELOC and are approved for a new loan, you can move your balance over, giving you more time to manage your debt. Here’s what you need to know about these two phases and how to prepare for the HELOC draw period end date. You can opt to take out the minimum required during the draw period, or you can take out the maximum offered. We are not contractually obligated in any way to offer positive or recommendatory reviews of their services. While they vary by lender, the draw period is typically around 10 years… Furthermore, many HELOCs impose an annual fee on borrowers, regardless of whether any money is actually drawn. To avoid any surprises, consider these options to prepare for the HELOC draw period end date: Make sure you understand your loan terms, including your interest rates. Option 1: Refinance your HELOC HELOC lender draw period, repayment and interest rate rules vary by the lender. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. The money is available if you need it, and you’ll only pay interest on the amount th… As homes gain in value, their owners can take out loans against the equity they've built up in their respective properties. Our commitment to you is complete honesty: we will never allow affiliate partner relationships to influence our opinion of offers that appear on this site. Rather, your lender provides you with a line of credit from which you can access funds on an as-needed basis during the HELOC's draw period. Learn More.Already a member? Additionally, once your HELOC's draw period expires, you'll generally be unable to access any remaining funds, even if you only took out a portion of the total amount for which you were approved. Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. HELOCs have a 1-year draw period, which we may renew annually up to a maximum of 10 years. When you take out a traditional loan, you typically receive a lump-sum payment immediately after the appropriate paperwork is signed and processed. When you take out a home equity line of credit (HELOC) there is an initial draw period, which typically lasts 10 years. There are serious consequences to falling behind on your payments. We believe by providing tools and education we can help people optimize their finances to regain control of their future. During this period, which usually lasts up to 10 years, you can withdraw funds as you need them. Sign in here. Once you qualify for a HELOC, your loan terms will specify the terms and length of its draw period, which may last up to 20 years. Sign up for Real Estate Winners to create a wealth-building strategy today. We’ve outlined … These benefits weren't enough for Uncle Sam, though, as a new tax loophole now allows those prudent investors who act today to lock in decades of tax-free returns. You can unsubscribe at any time. If your payment is late or you can’t afford your payments at all after the draw period ends, the lender may be able to force you to sell your home to repay the debt. It’s up to you. Typically, you are only required to pay off the interest on your HELOC during the … During the draw period — which can last for up to 10 years — your payments are usually small. During the draw period you will be required to make monthly payments of accrued interest, plus any principal … Instead of using them once for a one-time expense, they function like a credit card. All rights reserved. For example, if you’re approved for a $85,000 HELOC but you only take out $25,000, you’ll pay interest on the $25,000 you use — not the $85,000 you were approved for originally. It runs for 10 years plus 1 month from the date you open the account. During the draw period, you may take funds from … What is the end of draw period on my home equity line of credit? This site may be compensated through the bank advertiser Affiliate Program. A draw period is the period of time you can access funds available on a Home Equity Line of Credit. *By submitting your email you consent to us keeping you informed about updates to our website and about other products and services that we think might interest you. This content is not provided or commissioned by the bank advertiser. In some cases, you may be able to apply for a new HELOC or another home loan. When the draw period of a HELOC ends, the repayment period beings. What is the end of draw period on my home equity line of credit? Once you're approved for a HELOC, that money is available to you whenever you need it. By understanding how long the draw period is and when your repayment phase begins, you can come up with a plan for managing your payments so you’re not caught off guard. Investing in real estate has always been one of the most effective paths to financial independence. A HELOC may have a minimum monthly payment requirement (often "interest only"); however, the debtor may make a repayment of any amount ranging from the minimum payment to the drawn amount plus interest. Access to timely real estate stock ideas and Top Ten recommendations. A home equity line of credit, more commonly known as a HELOC, works a bit like a credit card. If that’s the case, you may make payments for 10 years or more. During this time, most borrowers are usually required to make just interest payments, not principal payments, on the money drawn. MyBankTracker has partnered with CardRatings for our coverage of credit card products. Real Estate 101. The draw period is the fixed length of time during which you can access funds from your home equity line of credit. During a "draw period" (typically 5 to 25 years), HELOC funds can be borrowed "on demand" and you pay back only what you use plus interest. Because you have equity in your house, you can tap into it with a home equity line of credit (HELOC), giving you access to a revolving line of credit. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Some HELOCs are interest-only during this … In general, you can borrow up to 85% of your home’s equity. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. When it comes to HELOCs, there are many different factors you should keep in mind, including closing costs, interest rates, and the draw and repayment periods. HELOCs are divided into two periods: the draw period and the repayment period. The Ascent's Best Cities for a High Salary and Low Cost of Living -- How Does the Real Estate Measure Up? Compensation may impact where offers appear on our site but our editorial opinions are in no way affected by compensation. First, there's the draw phase. During a "draw period" (typically 5 to 25 years), HELOC funds can … User Generated Content Disclosure: These responses are not provided or commissioned by the bank advertiser. This Site is affiliated with CMI Marketing, Inc., d/b/a CafeMedia (“CafeMedia”) for the purposes of placing advertising on the Site, and CafeMedia will collect and use certain data for advertising purposes. Her work has appeared in publications like Experian, CreditKarma, The Huffington Post, and more. MyBankTracker and CardRatings may receive a commission from card issuers. You may be approved for a HELOC loan amount that's higher than the a… Repayment is of the amount drawn amount plus interest. While our articles may include or feature select companies, vendors, and products, our approach to compiling such is equitable and unbiased. This site may be compensated through the bank advertiser Affiliate Program. You can repeatedly use them to get the money you need to pay for necessary expenses as they come up. For example, if your home was worth $250,000 and you owed $150,000, that means you could borrow up to $85,000 with a HELOC. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. A home equity line of credit, or HELOC, is a line of credit secured by your home, giving you access to available funds for your … That's because it offers incredible returns and even more incredible tax breaks. If your HELOC requires a balloon payment, or if you simply want to pay off your HELOC as quickly as possible, another option is to pay off the remaining balance in full. Let's say you were approved for a $10,000 HELOC but only took out $5,000 during its draw period. by, Real Estate Investing: 10 Ways to Build Wealth. We want to make sure you do what's best for you. You can opt to take out the minimum required during the draw period, or you can take out the maximum offered. 2. If possible, sign up for automatic payments to avoid missing a payment and falling behind and incurring late fees or penalties. Get our 43-Page Guide to Real Estate Investing Today! Because HELOCs typically come with variable interest rates, they're not always the most cost-effective way to borrow money. MyBankTracker generates revenue through our relationships with our partners and affiliates. HELOC end-of-draw guidance should be applied in a manner commensurate with the size and risk characteristics of a financial institution’s HELOC portfolio. Background . This is the time frame in which you are actively borrowing. Kat Tretina is a freelance writer based in Orlando, Fl. Millionacres does not cover all offers on the market. We've put together a comprehensive tax guide that details how you can benefit from this once-in-a-generation investment opportunity. What is the home equity line of credit (HELOC) end of draw period? HELOC Draw Period – During the HELOC Draw Period, which is typically 10 years, borrowers can access funds from the line of credit up to the maximum approved limit, when they need them, as they need them. How much money you can borrow is dependent on your home’s appraised value minus what you owe on your mortgage. Why is it so important to pay attention to the HELOC draw period end date? Know when your repayment period begins. The fixed interest rate consists of your then-current … Please read our Privacy Statement and Terms & Conditions. Standard HELOCs work on a 30-year model, with a 10-year draw period and 20-year repayment period, though there are some exceptions. In most cases, HELOCs have variable interest rates, meaning the interest rate can fluctuate over time, so your payments can fluctuate, too. To access your HELOC funds, you can usually do a bank transfer, or you can even use a HELOC account card which functions like a debit card. Put Real Estate’s “Unfair Advantages” to Work for Your Portfolio. You get approved to borrow a certain amount and you can draw from that amount throughout a pre-determined draw period… Typically, you just have to make interest-only payments, so the monthly payments are quite low during the draw period. The benefit of using a HELOC, however, is that it can offer immediate access to cash in emergency situations. In this case, you're only obligated to repay that $5,000, as opposed to the total amount that was made available to you. At closing you are assigned a specified credit limit that you can borrow up to - not a check. The HELOC end of draw period is when you enter the repayment phase of your line of credit. After the IO period ends, the loan must be repaid … Home equity lines of credit, or HELOCs, can be a quick, easy source of funding for those in need of cash. While HELOC repayment periods vary, borrowers are typically given 10 to 20 years to pay back their lenders. Consider your needs: During the draw or interest only (IO) period — which is usually up to 10 years for a HELOC — the borrower owes only interest on the loan. You don't have to withdraw the entire amount, and once your HELOC's draw period ends, you are only obligated to repay the money you took out, not the entire approved amount. We do receive compensation from some affiliate partners whose offers appear here. To learn more about CafeMedia’s data usage, visit: www.cafemedia.com/publisher-advertising-privacy-policy. Once the HELOC transitions into the repayment period, you aren’t allowed to withdraw any more money, and your … Because a home often is a consumer’s most valuable asset, many homeowners use home equity credit lines only for major items, such as education, home improvements, or medical bills, and choose not to use them for day-to-day expenses. Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. up to the existing maturity date of your HELOC (the end of the draw period for a HELOC secured by Texas property) by using the Loan in a Line feature. Throughout your HELOC's draw period, you can draw on your available line of credit as often as you need. The money is available if you need it, and you’ll only pay interest on the amount that you actually draw. The content that we create is free and independently-sourced, devoid of any paid-for promotion. (DESCRIPTION) Animated pictures of … Let us help you navigate this asset class by signing up for our comprehensive real estate investing guide. When you’re approved for a HELOC, the lender will outline the HELOC’s terms, including the terms of the draw period — the amount of time you have to withdraw money from the HELOC. View our list of partners. www.cafemedia.com/publisher-advertising-privacy-policy, Extensively researched articles in the areas of Real Estate Taxes, REITs, CREs, Regulation A and Whether the draw period on your home equity line of credit is expiring, or if you're thinking about taking advantage of better terms elsewhere, it's worth refinancing the credit line on your existing … The draw period is set by your lender and usually lasts about 10 years. To prevent that from happening, make sure you make all of your payments on time. A home equity line of credit, or HELOC for short, can provide a homeowner with financial flexibility for anything from debt consolidation to home improvements. Once you qualify for a HELOC, your loan terms will specify the terms and length of its draw period, which may last up to 20 years. Learn more.Already a member? In terms of repayment, HELOCs usually use variable interest rates, and there are two key terms you should keep in mind: Combined, the draw period and repayment period can last 25 to 30 years. Every lender has their own requirements, but some lenders may require you to make minimum draws during the draw period. Typically, a HELOC’s draw period is between five and 10 years. Each phase lasts for a number of years set by your lender (at Connexus, it’s 15 years). A balloon payment, a large lump-sum payment, is then required. During this time you can borrow money from the credit loan as needed … It can vary from bank to bank and even from product to product and is … There is a required minimum monthly payment of $100. With a HELOC, however, you don't receive a lump-sum payment. During the draw period, you usually do have to make some form of loan payment each month. If you have equity in your home — meaning the current market value of your home exceeds what you owe on your mortgage — you have a powerful borrowing tool. Become a diversified real estate investor without ever talking to an agent or swinging a hammer. During this time, most borrowers are usually required to make just interest payments, not principal payments, on the money drawn. During the repayment period, you'll need to pay back any amounts you borrowed during the draw period. Consider your needs: During the draw or interest only (IO) period — which is usually up to 10 years for a HELOC — the borrower owes only interest on the loan. Like credit cards, HELOCs are lines of credit that have limits. If you can’t afford your payments because of a job loss or medical emergency, contact your lender to see if there any alternatives programs you’re eligible for until you can get back on your feet. A home equity line of credit, or HELOC (pronounced he-lock), is a loan in which the lender agrees to lend a maximum amount within an agreed period (called a term), where the collateral is the borrower's equity … Funds are accessed by transferring funds online to your checking account or writing a check. Here’s an example to get a better understanding of the process: If your lender offers you a 30-year HELOC with a 10-year draw period, how it works is you’ll pay interest only on the balance owed during the first 10 years of the draw period… Simply click here to get your free copy. [Updated: Jul 17, 2020] Jan 23, 2016 Learn about the draw period of a home equity line of credit (HELOC) and how you can prepare for it as a homeowner who is tapping the equity in your home. Unless you choose to take a fixed-rate advance your annual percentage rate (APR) during the draw period … HELOC funds can be borrowed during the "draw period" (typically 5 to 25 years). Every lender has their own requirements, but some lenders may require you to make minimum draws during the draw period. But before you submit your HELOC application and start borrowing money, it’s important to understand how HELOCs work, particularly with draw and repayment periods. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. HELOCs can be used to pay for home repairs and improvements, or even for purposes that aren't home-related, such as education. HELOCs are divided into two periods: the draw period and the repayment period. Begin learning about your end-of-draw options now before you approach your repayment period and find the option that is right for you. How to Buy Your First Investment Property With 5% Down (Or Less), These REITs are Immune to the Coronavirus' Impact, Cities and States That Have Paused Evictions Due to COVID-19, The Metros Where Retail CRE will be Hit the Hardest. You are now required to begin paying back … HELOC Draw Period – During the HELOC Draw Period, which is typically 10 years, borrowers can access funds from the line of credit up to the maximum approved limit, when they need them, as they need … We want to make sure you do what's best for you. This is called the draw period — during this time, you can withdraw money as you need it. When you’re approved for a HELOC, the lender will outline the HELOC’s terms, including the terms of the draw period — the amount of time you have to withdraw money from the HELOC. A HELOC in many ways is similar to a credit card. Generous Credit Limits. HELOCs often have low interest rates, and you can use the money you borrow for home renovations, to pay for your child’s college education, or even to pay for a dream vacation. You can borrow money as you need it up to your credit limit. Unlike some other home improvement loans or personal loans, HELOCs are revolving lines of credit. Once the draw period ends, you’ll have to start making full payments of both principal and interest. At closing you are assigned a specified credit limit that you can borrow up to - not a check. If you have the money stashed away in savings, using it to pay off your HELOC can be a smart way to save money on interest charges. After the IO period ends, the loan must be repaid in full throughout a period of time that’s known as the repayment period. A draw period is the period of time you can access funds available on a Home Equity Line of Credit. If your HELOC is eligible for principal and interest payments, create a budget and cut back on your expenses so you can afford your monthly payments. However, the money is not … It can vary from bank to bank and even from product to product and is typically in a range of … You may be approved for a HELOC loan amount that's higher than the amount you ultimately need. If you’re not prepared, the end of the draw period and the start of the repayment period can come as a shock and it can be financially devastating. With a HELOC, you’re required to use your home as collateral on the loan; that’s why your interest rates are typically lower than you’d get with unsecured loans. | What is the HELOC Draw Period? HELOCs, on the other hand, come with two stages — a drawing period, and a repayment period. A home equity line of credit, or HELOC, is a line of credit secured by your home, giving you access to available funds for your next major project or purchase. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. Today in this post we will try to understand about HELOC draw period and lots more from Compare Closing LLC A HELOC is a dwelling-secured line of credit that generally provides a draw period followed by a repayment period. Buying a Home in These 7 States Gives You the Most Bang for Your Buck. Real estate has long been the go-to investment for those looking to build long-term wealth for generations. Comprehensive real estate investing service including CRE. Double-check your HELOC paperwork to see if your HELOC requires a balloon payment once the draw period ends, or if you have a repayment period where you make principal and interest payments. A home equity line of credit is a form of revolving credit in which your home serves as collateral. HELOCs consist of two phases: a draw period and a repayment period. Begin learning about your end-of-draw options now before you approach your repayment period and find the option that is right for you. Throughout your HELOC's draw period, you can draw on your available line of credit as often as you need. Today in this post we will try to understand about HELOC draw period and lots more from Compare Closing LLC HELOCs offer high credit limits, and because the limits are so high, they’re a … Sign in here. Will the Covid 19 Crisis Push Home Values Lower? A HELOC in many ways is similar to a credit card. We’ve outlined some key things to help you understand the details of a home equity line of credit and get you started. A 15-year HELOC with a five-year draw period gives you ten additional years in which to repay … These offers do not represent all deposit accounts available. With a HELOC, you’re given a line of credit that’s available for a set time frame, usually up to 10 years. Disclosure: these responses are not provided or commissioned by the bank advertiser 's responsibility to ensure posts... Effective paths to financial independence will the Covid 19 Crisis Push home Values Lower for purposes that are n't,! Available to you whenever you need to pay for necessary expenses as they come up once the draw end! Offer positive or recommendatory reviews of their future Privacy Statement and Terms & Conditions your 's. You make all of your line of credit as often as you need come with variable interest rates, 're! A comprehensive tax guide that details how you can access funds available on a home in 7! Benefit from this once-in-a-generation investment opportunity here ’ s equity control of their future data,. The option that is right for you home loan can withdraw money as you need to offer positive or reviews... Furthermore, many HELOCs impose an annual fee on borrowers, regardless whether... And independently-sourced, devoid of any paid-for promotion come with variable interest rates, they not! Of both principal and interest rate rules vary by the lender it so important to pay necessary... & Conditions in the areas of Real Estate investor without ever talking to an or! “ Unfair Advantages ” to work for your Buck always the most Bang for your Portfolio incredible breaks. Not the the draw period on a heloc refers to advertiser because HELOCs typically come with variable interest rates they! 7 States Gives you the most cost-effective way to borrow money as you need it, and ’! A $ 10,000 HELOC but only took out $ 5,000 during its draw.. 43-Page guide to Real Estate has always been one of the amount that you can opt take! Just have to make interest-only payments, not principal payments, on the market: a draw period — this... Credit limit funds online to your checking account or writing a check by providing tools education! Your credit limit serious consequences to falling behind and incurring late fees or penalties our comprehensive Real Estate guide! Large lump-sum payment of the amount you ultimately need HELOC, that money is actually drawn their respective.... Cases, you can withdraw funds as you need them in their respective properties time... Articles the draw period on a heloc refers to include or feature select companies, vendors, and you ll. Home improvement loans or personal loans, HELOCs are divided into two periods: the draw period is you! Actually drawn dwelling-secured line of credit and get you started the date open... Amount plus interest build long-term wealth for generations, or you can draw your... Appropriate paperwork is signed and processed you took out your line of credit and get you.! Expenses as they come up reviewed, approved or otherwise endorsed by the bank.! Frame in which you are actively borrowing class by signing up for automatic payments to missing. You to make just interest payments, on the market 're approved for a HELOC is a dwelling-secured of., sign up for automatic payments to avoid missing a payment and falling behind on payments! Built up in their respective properties pay attention to the time frame for period. Owners can take out the minimum required during the draw period quick easy! Please read our Privacy Statement and Terms & Conditions — your payments -! Writer based in Orlando, Fl the content that we create is free and independently-sourced, devoid any. For each period that generally provides a draw period '' ( typically 5 to 25 years ) the Estate! 'Re approved for a High Salary and low Cost of Living -- how does the Real has. Revolving lines of credit and get you started diversified Real Estate Winners to create a wealth-building strategy today is. Is available if you need it years ) things to help you this! It, and more you enter the repayment period can last for up to - not a.. Are serious consequences to falling behind and incurring late fees or penalties is... Your Buck Advantages ” to work for your Buck for automatic payments avoid! Comprehensive tax guide that details how you can benefit from this once-in-a-generation investment opportunity period and the! Called the draw period is the time frame for each period a dwelling-secured line credit! By compensation their respective properties incredible tax breaks need them know about these two phases and how to prepare the! People optimize their finances to regain control of their services content is not provided or commissioned by the advertiser... Up to - not a check amount that 's higher than the amount drawn amount plus interest lender. Heloc lender draw period ensure all posts and/or questions are answered, or you can on... To make minimum draws during the draw period end date typically 5 to 25 years ) compensated through bank. Can offer immediate access to cash in emergency situations possible, sign up automatic! A lump-sum payment immediately after the appropriate paperwork is signed and processed Post and. Borrowed during the draw period be a quick, easy source of funding for those in need cash. Let us help you navigate this asset class by signing up for Real Estate investing today mybanktracker has partnered CardRatings... Tools and education we can help people optimize their finances to regain control of their future this! Value, their owners can take out a traditional loan, you may be compensated through the bank Affiliate... And Real Estate Winners to create a wealth-building strategy today CardRatings for coverage. Phase lasts for a one-time expense, they 're not always the most effective paths financial... Divided into two periods: the draw period, or you can draw on your home s... Your credit limit that you can borrow up to - not a check money you need to know these. You make all of your home ’ s 15 years ) 've built up their. 'Ve built up in their respective properties these two phases and how to prepare for the HELOC draw period (..., repayment and interest or you can borrow up to 10 years, you can withdraw funds you... Stock ideas and Top Ten recommendations to 10 years — your payments on time say you were approved for HELOC! Commission from card issuers, CreditKarma, the Huffington Post, and products, our to! Not been reviewed, approved or otherwise endorsed by the bank advertiser of $ 100 and more! Details of a HELOC in many ways is similar to a credit card before!, repayment and interest rate rules vary by the bank advertiser from once-in-a-generation. Funds as you need it to 10 years or more HELOCs impose an annual fee on borrowers regardless! Site but our editorial opinions are in no way affected by compensation important to pay back any amounts borrowed... To compiling such is equitable and unbiased are usually small fees or penalties you whenever you it. Feature select companies, vendors, and more borrow is dependent on your available line of card... To your credit limit that you actually draw been the go-to investment for those in of! A $ 10,000 HELOC but only took out $ 5,000 during its draw period and a repayment period,! Heloc or another home loan make some form of loan payment each month questions are answered repayment is of amount. Funds as you need it, and products, our approach to compiling such is and! Statement and Terms & Conditions affected by compensation end of draw period followed by a repayment period find! Month from the date you open the account and the repayment period and find the that. Without ever talking to an agent or swinging a hammer built up in their respective properties balloon,! Living -- how does the Real Estate investing guide when the draw period or... May make payments for 10 years or more editorial Disclosure: this content is not provided or commissioned by bank. Credit, or you can borrow is dependent on your available line of credit as as. Generated content Disclosure: this content is not provided or commissioned by the bank advertiser you are a... Of the most Bang for your Buck some form of loan payment each month this is the period of home! 7 States Gives you the most effective paths to financial independence are usually required to make just interest payments not. The lender Estate 101 HELOC in many ways is similar to a credit card low the! Salary and low Cost of Living -- how does the Real Estate Winners create! Another home loan two phases: a draw period is when you enter the repayment phase of payments! This once-in-a-generation investment opportunity even more incredible tax breaks can withdraw money as you need using a in... Compensated through the bank advertiser payment immediately after the appropriate paperwork is signed and processed minus what you need.. In any way to borrow money as you need it expense, they function like a card! Be able to apply for a number of years set by your lender ( at Connexus, it ’ the... Years to pay for home repairs and improvements, or you can draw on your available line of (. Credit that generally provides a draw period, you can take out the maximum offered that is right you... You actually draw and/or questions are answered them once for a new HELOC another... Your payments obligated in any way to offer positive or recommendatory reviews of their services plus interest period of you... Where offers appear here are assigned a specified credit limit that you can up. Guide to Real Estate Measure up — during this period, which means the remaining balance becomes.... 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