Abstract: A method for financing increases in property expenses, such as increases in property taxes and insurance premiums, associated with an increase in property value. Under a secured increase loan, a lender agrees to pay the increase of the expenses, either one-time or annually, above the borrower's initial or existing expenses associated with the property, and the borrower agrees to repay the loan within a predetermined time period.

Abstract: A watercraft mooring apparatus is disclosed. The apparatus includes an elongate spacing device having a generally tubular element with an interior channel formed therethrough. There are a pair of resilient fender components attached to respective ends of the tubular element. Each fender component has an opening that communicates with the interior channel. A flexible line extends through and outside of the spacing device. The line has a first end portion that releasably engages a first vessel and a second end portion that releasably engages either a dock or a second vessel.