Loan

Credit News

Ohio Indemnity Company Interview Questions #ohio #indemnity #company, #ohio #indemnity #company #interview #questions #and #answers


#

List of Ohio Indemnity Company Interview Questions

  1. Tell me about your post-secondary experience and how it prepared you for a career with Ohio Indemnity Company?
  2. Do you consider yourself a creative thinker in the workplace or do you prefer to follow a predetermined set of rules?
  3. Have you obtained any Insurance related certifications or licenses?
  4. When it comes to Insurance, would you rather work face to face with clients, or in the background in a research and analysis based role?
  5. At Ohio Indemnity Company we prefer to hire individuals with longevity in mind. Where do you see your career 5 years from now?
  6. Do you prefer to work with clients on their business/commercial insurance needs, or health/life insurance needs? Why?
  7. The Insurance industry boasts new trends and developments quite frequently. How do you stay on top of these changes?
  8. How do you feel globalization has affected the Insurance industry?
  9. Since beginning your career in Insurance, what do you feel has been the most significant industry change?
  10. In your most recent position, what was the size of your client portfolio? Was that manageable for you?
  11. Insurance contracts can be detailed and lengthy. How do you help your clients to understand their Insurance contract?
  12. Within Ohio Indemnity Company many of our positions require a Bachelors or Masters Degree. Have you considered furthering your education in order to advance your career?
  13. How do you like to be recognized for your accomplishments?
  14. Tell me about a contribution you made to the last team you worked on.
  15. When have you had to think quickly in response to sudden change?
  16. When planning, how often do you create alternative scenarios to help you adjust to changing situations?
  17. Rate your communication skills from 1-10 with proper examples backing your given rating.
  18. Tell me about an error or mistake you made because of a breakdown in communication from you or one of your team members.
  19. What do you know about the culture at Ohio Indemnity Company?
  20. How would you describe your relationship with your customers or clients?
  21. What leadership qualities do you possess?
  22. How do you respond to feedback?
  23. What causes you to feel dissatisfied on the job?
  24. Do you think honesty is always the best policy?
  25. When have you shown great integrity at work?
  26. What are your salary expectations?
  27. Do you feel performance should be rewarded over experience?
  28. How often do you take work home with you?

Professional answers by:

Rachelle Enns
Recruiter
rachelle_enns ?>

39 MongoDB Interview Questions And Answers #mongodb, #interview, #questions, #answers, #interviewee, #interviewer, #mongodb, #web #tutorials, #javascript, #jobs, #sql, #seo, #css, #articles


#

MongoDB Interview Preparation Guide

MongoDB frequently Asked Questions by expert members with experience in MongoDB. These questions and answers will help you strengthen your technical skills, prepare for the new job test and quickly revise the concepts

39 MongoDB Questions and Answers:

MongoDB is a cross-platform document-oriented database. Classified as a NoSQL database, MongoDB eschews the traditional table-based relational database structure in favor of JSON-like documents with dynamic schemas, making the integration of data in certain types of applications easier and faster. Released under a combination of the GNU Affero General Public License and the Apache License, MongoDB is free and open-source software.

Is This Answer Correct? 69 Yes 0 No

Examples: MongoDB, Cassandra, CouchDB, Hypertable, Redis, Riak, Neo4j, HBASE, Couchbase, MemcacheDB, RevenDB and Voldemort are the examples of NoSQL databases. Read in detail.

Is This Answer Correct? 40 Yes 0 No

MySQL and MongoDB are both free and open source databases. MySQL and MongoDB have a lot of basic differences in terms of data representation, querying, relationships, transactions, schema design and definition, normalization, speed and performance. By comparing MySQL with MongoDB, we are comparing Relational and non-relational databases.

Is This Answer Correct? 39 Yes 0 No

MongoDB and CouchDB are both document-oriented databases. MongoDB and CouchDB are the best examples of open source NoSQL database. Aside from both storing documents though, it turns out that they don’t share much in common. There are a lot of difference between MongoDB and CouchDB in terms of implementation of their data-model, interface, object storage, replication methods etc.

Is This Answer Correct? 12 Yes 0 No

Following features of MongoDB make it best NoSQL database:

Document-oriented
High performance
High availability
Easy scalability
Rich query language

Is This Answer Correct? 32 Yes 0 No

There is extra memory mapped file activity with journaling. This will further constrain the limited db size of 32 bit builds. Thus, for now journaling by default is disabled on 32 bit systems.

Is This Answer Correct? 8 Yes 0 No

Each journal (group) write is consistent and won’t be replayed during recovery unless it is complete.

Is This Answer Correct? 4 Yes 0 No

MongoDB includes a database profiler which shows performance characteristics of each operation against the database. Using the profiler you can find queries (and write operations) which are slower than they should be; use this information, for example, to determine when an index is needed.

Is This Answer Correct? 7 Yes 0 No

MongoDB stores BSON objects in collections. The concatenation of the database name and the collection name (with a period in between) is called a namespace.

Is This Answer Correct? 10 Yes 0 No


Answers to Your Questions on Student Loan Interest #installment #payday #loans


#college loan interest rates
#

Answers to Your Questions on Student Loan Interest

A college degree is a vital part of helping students have a successful future and a place in the middle class, and making college affordable is a major priority for the Obama Administration.

As of July 1, 2013, the interest rate on new subsidized Stafford Loans rose to 6.8% from the previous rate of 3.4%. Our Administration is actively working with Congress to bring rates back down for new loans. In addition, the Administration has advocated that any plan passed by Congress apply to all loans first disbursed after June 30, even loans already disbursed.

If the law is changed, the Department and its servicers will adjust rates for all affected borrowers, including those who had already received their first subsidized loan disbursement, without any further action on the part of the borrower or the school.

We know some borrowers and families may have some questions about what the rate change means and we’ve answered some of the most common questions below. If you do have specific questions about your loan please visit http://studentaid.ed.gov/ or contact 1-800-4-FED-AID for more information.

Q: Should I still apply for federal student aid given the interest rate hike?

A: Students and families who wish to obtain financial aid should complete should complete a 2013-2014 FAFSA if they have not already done so. Schools should continue to award and process Direct Subsidized Loans with estimated disbursement dates. The Administration is working with Congress to bring rates back down for new loans.

Q: What is the current rate of federal subsidized loan?

A: Absent further Congressional action, the interest rate for all Direct Subsidized Loans with a first disbursement date on or after July 1, 2013, is 6.8%. This is the same interest rate that applies to Direct Unsubsidized Loans.

Q: Is the 6.8% rate permanent for the lifetime of my loan?

A: The Obama Administration continues to work with Congress to reach agreement on a plan to reverse the doubling of those interest rates.  Further, the Administration has urged that any plan passed by Congress apply to all loans first disbursed after June 30, even loans already disbursed. If the law is changed, the Department and its servicers will adjust rates for all affected borrowers, including those who had already received their first subsidized loan disbursement, without any further action on the part of the borrower or the school.

What if I already have a loan? Does the interest rate change?

A: No change in interest rates on a loan where the first disbursement was before July 1, 2013


Questions and Answers #cash #loans #for #unemployed


#loans for the unemployed
#

Questions Answers for Unemployed Americans interested in Education and Training Opportunities

Q1. What federal financial aid is available to the unemployed for training purposes?

A1. The federal government has a variety of grants, loans and work-study programs to help you pay for continuing education and training.

The President announced that he encourages unemployed Americans to consider education and training opportunities during this period of economic hardship. In particular, the President highlighted the availability of federal student aid, including the Federal Pell Grant. If you are currently unemployed, you may be eligible for federal financial aid, including a Federal Pell Grant. The maximum Federal Pell Grant award for the 2012-13 academic year is $5,550.

Q2. I am currently unemployed. Am I eligible for federal financial aid?

A2. If you are currently unemployed, you may be eligible for federal financial aid. Eligibility for federal grant aid, such as Pell Grants, is need-based and depends on the total income of your family. Federal student loans are available regardless of your income level. Financial aid administrators at participating institutions have been urged to take an unemployed person’s current economic circumstance into account when determining a student’s eligibility for Pell Grants and other student assistance.

A student must also meet certain other eligibility requirements including (1) not being in default on a federal student loan, (2) having a high school diploma or General Educational Development (GED) equivalency, and (3) being a U.S. citizen or eligible non-citizen. Pell Grants are not available to students who have already received a bachelor’s degree.

Q3. I received a letter from my state workforce agency while receiving unemployment benefits encouraging me to consider seeking additional education and training. Does this mean I will receive federal financial aid?

A3. A letter from your state’s workforce agency does not guarantee you federal financial aid. However, you should bring that letter (or, if you no longer have the letter, other evidence you are currently receiving unemployment benefits) to a financial aid office at the school you are considering. The U.S. Department of Education is working with community colleges, colleges, and universities to help them meet your financial needs.

Q4. I am currently unemployed and am in need of benefits and/or reemployment services. Where can I get more information?

A4. Check with your state workforce agency for available benefits and services. Assistance is available to locate state workforce agencies and your local One-Stop Career Center by visiting www.careerinfonet.org or calling the U.S. Department of Labor toll-free number: 1-877-US-2-JOBS.

Q5. What other forms of financial aid are available?

A5. In addition to the federal financial aid offered by the U.S. Department of Education (see Question 1), there may be opportunities from your state or the school that you are interested in attending may offer scholarships or other institutional aid. For example, some institutions have established special financial aid programs to address the needs of those who have recently lost a job or otherwise have become unemployed. Your local One-Stop Career Center will also have information on training funds available from the U.S. Department of Labor. Visit www.careeronestop.org/findos to locate a One-Stop Career Center near you.

Q6. What costs does a Federal Pell Grant cover?

A6. Federal Pell Grants are available if you are taking classes as part of a program that leads to an undergraduate degree or certificate. Federal student aid, including Pell Grants, can be used to cover a variety of costs, generally including:

  • Tuition and fees normally assessed;
  • Books, supplies, transportation, and miscellaneous personal expenses;
  • Living expenses such as room and board; and
  • An allowance for costs expected to be incurred for dependent care for a student with dependents.

Q7. How much can I receive from a Federal Pell Grant?


Plastic Surgery Financing – What Are Some Reputable Lenders? Doctor Answers, Tips #federal #stafford #loan


#cosmetic surgery loans
#

Plastic Surgery Financing – What Are Some Reputable Lenders?

I need financing to help me pay for the breast augmentation and liposuction (i.e. mommy make over) I plan to undergo this summer, but I am kind of weirded out about getting a loan for this. I don t want to end up dealing with some sleazy creditor that preys on people like me who just want to look and feel a little better about their bodies. Can any doctors out there speak to which lenders their patients have worked with? If you ve heard any horror stories or would recommend one lender over another, please share.

Plastic Surgery Financing – Buyer Beware – Look at photos, training of your PS before checking on financing

Plastic Surgeons pay for plastic surgery financing programs. The charge to the plastic surgeon can be10% or more. This include surgeon’s fee, OR fee’s,anesthisia fees, pain control devices, garments, etc. Why would a plastic surgeon be willing to hand over a percentage of the overall cost of surgery?

I am strongly against plastic surgery financing programs, and I have never offered them in my practice. Most, if not all, plastic surgery financing plans are not only a bad idea but also a bad deal for many patients – in some ways that are easily apparent but in other ways that are not as obvious. The most obvious way in which these plans are unfavorable and therefore undesirable is their terms, which often are interest-free for as long as a year, but that revert to an interest rate comparable to a high interest rate credit card (i.e. an APR of 20% or more) if a patient misses or is late on a single payment.

A recent Nee York Times Article – Google it – discussed the dangers of plastic surgery financing. One very interesting part of the article was when a reported asked the doctors if they would use these programs for themselves or their family members. The physicians asked answered “no”

I want to do everything possible to help my patients and to make every part of plastic surgery as easy and comfortable as possible. I understand that plastic surgery is expensive and it can be difficult for many, if not most people to afford the fees. However, I would not want my patients to use a program I wouldn’t use myself or recommend to a family member. At some point, a program may be introduced that makes me feel differently, but until my accountant can assure me that a program is safe and easy for my patients, i am willing to lose the business that could come my way by offering plastic surgery financing

A high interest rate is, in fact, almost a necessity for a credit product that finances a service instead of a tangible asset like a home or an automobile. A creditor can repossess a home or a car, but they can’t repossess your tummy tuck. So a high interest rate helps them hedge the risk of having no collateral.

If you are considering one of these financing arrangements in order to schedule a plastic surgery procedure, do your due diligence before signing on the dotted line. Make sure that you are fully informed of the consequences of missing a payment or making a late payment. Make an honest assessment of your ability to meet the terms of the contract. Look into whether or not you can obtain better financing terms with an existing credit card account or with the bank with which you have a personal banking relationship and a credit history. And give great consideration to the way in which the concept of financing is presented to you by a surgery practice – is it an option that you can explore further on your own, or is the practice trying to ‘pull you in’ by making the financial part ‘easy’ for you?


Answers to Your Questions on Student Loan Interest #pay #day #loan


#college loan interest rates
#

Answers to Your Questions on Student Loan Interest

A college degree is a vital part of helping students have a successful future and a place in the middle class, and making college affordable is a major priority for the Obama Administration.

As of July 1, 2013, the interest rate on new subsidized Stafford Loans rose to 6.8% from the previous rate of 3.4%. Our Administration is actively working with Congress to bring rates back down for new loans. In addition, the Administration has advocated that any plan passed by Congress apply to all loans first disbursed after June 30, even loans already disbursed.

If the law is changed, the Department and its servicers will adjust rates for all affected borrowers, including those who had already received their first subsidized loan disbursement, without any further action on the part of the borrower or the school.

We know some borrowers and families may have some questions about what the rate change means and we’ve answered some of the most common questions below. If you do have specific questions about your loan please visit http://studentaid.ed.gov/ or contact 1-800-4-FED-AID for more information.

Q: Should I still apply for federal student aid given the interest rate hike?

A: Students and families who wish to obtain financial aid should complete should complete a 2013-2014 FAFSA if they have not already done so. Schools should continue to award and process Direct Subsidized Loans with estimated disbursement dates. The Administration is working with Congress to bring rates back down for new loans.

Q: What is the current rate of federal subsidized loan?

A: Absent further Congressional action, the interest rate for all Direct Subsidized Loans with a first disbursement date on or after July 1, 2013, is 6.8%. This is the same interest rate that applies to Direct Unsubsidized Loans.

Q: Is the 6.8% rate permanent for the lifetime of my loan?

A: The Obama Administration continues to work with Congress to reach agreement on a plan to reverse the doubling of those interest rates.  Further, the Administration has urged that any plan passed by Congress apply to all loans first disbursed after June 30, even loans already disbursed. If the law is changed, the Department and its servicers will adjust rates for all affected borrowers, including those who had already received their first subsidized loan disbursement, without any further action on the part of the borrower or the school.

What if I already have a loan? Does the interest rate change?

A: No change in interest rates on a loan where the first disbursement was before July 1, 2013


Trailer Home Loan Questions, Financing – Refinancing Answers #quick #cash #loan


#get a loan
#

FREQUENTLY ASKED TRAILER LOAN QUESTIONS

TRAILER LOAN CREDIT QUESTIONS

Q:What Credit Score is Needed for a Trailer Home Mortgage?

A: JCF Lending Group is an A paper lender and we require good to excellent credit. Currently, our minimum credit score for purchase financing is an Equifax 660, straight refinance Equifax 660 and cash out or consolidation requires an Equifax score of 700+. Trailer Homes 1970 – 1975, in California only, requires an Equifax 700, for both purchase refinance. JCF primarily uses Equifax Credit, but may also use Experian and Trans Union. We will look at lesser scores on a case by case basis. In all situations, you must have a minimum of 4 years of credit history in order to qualify for a trailer home mortgage. There are no exceptions.

Q: What does the Credit Score Represent?

A: Simply put, the lower the score, the more likely you are to file bankruptcy. The higher the score, the less likely you are to file bankruptcy. Keep in mind the bureaus have no idea of your monthly income, but use other factors to determine your score. The most important factor used in determining your score is your credit card limits in relation to your outstanding balances. The higher the limit, with a low or zero balance, the better. Likewise, a consumer with credit cards at or near the maximum credit limit will equate to a lower credit score. It is also important to know that currently all credit bureaus score somewhat differently. We have seen as much as a 100 point difference between bureaus.

Q: How Can I find Out My Credit Score Before I Apply?

A: You must keep in mind that there are three major credit bureaus. They are Equifax. Experian and Trans Union. You can click on the credit bureaus above to obtain a copy of your credit report and score. You may also correct information appearing on your report that is incorrect at that time. Remember, it normally takes 30 days for the correction, but can take as long as 90 days for inaccurate information to be accurately reported on the bureaus.

Q: What About Consumers with Poor or Fair Credit?

A: Unfortunately, our low rates do not allow for us to make risky loans. But it is also important to understand why. Recent studies have shown that Seventy percent of trailer homes that have been repossessed in recent months have been owned by people in the sub-prime category, those people with fair to poor credit records. Of the 7,000 repossessed in the last three months, nearly 5,000 were on sub-prime mortgages. Those figures jump dramatically when you look at a two year time span. Nearly 90% of consumers with poor credit will be seriously late or will have gone into collection on their Trailer Home mortgage.

TRAILER LOAN DOWN PAYMENT QUESTIONS

Q: Can I obtain 100% Financing for a Trailer Home?


Questions and Answers #loans #for #blacklisted #people


#loans for the unemployed
#

Questions Answers for Unemployed Americans interested in Education and Training Opportunities

Q1. What federal financial aid is available to the unemployed for training purposes?

A1. The federal government has a variety of grants, loans and work-study programs to help you pay for continuing education and training.

The President announced that he encourages unemployed Americans to consider education and training opportunities during this period of economic hardship. In particular, the President highlighted the availability of federal student aid, including the Federal Pell Grant. If you are currently unemployed, you may be eligible for federal financial aid, including a Federal Pell Grant. The maximum Federal Pell Grant award for the 2012-13 academic year is $5,550.

Q2. I am currently unemployed. Am I eligible for federal financial aid?

A2. If you are currently unemployed, you may be eligible for federal financial aid. Eligibility for federal grant aid, such as Pell Grants, is need-based and depends on the total income of your family. Federal student loans are available regardless of your income level. Financial aid administrators at participating institutions have been urged to take an unemployed person’s current economic circumstance into account when determining a student’s eligibility for Pell Grants and other student assistance.

A student must also meet certain other eligibility requirements including (1) not being in default on a federal student loan, (2) having a high school diploma or General Educational Development (GED) equivalency, and (3) being a U.S. citizen or eligible non-citizen. Pell Grants are not available to students who have already received a bachelor’s degree.

Q3. I received a letter from my state workforce agency while receiving unemployment benefits encouraging me to consider seeking additional education and training. Does this mean I will receive federal financial aid?

A3. A letter from your state’s workforce agency does not guarantee you federal financial aid. However, you should bring that letter (or, if you no longer have the letter, other evidence you are currently receiving unemployment benefits) to a financial aid office at the school you are considering. The U.S. Department of Education is working with community colleges, colleges, and universities to help them meet your financial needs.

Q4. I am currently unemployed and am in need of benefits and/or reemployment services. Where can I get more information?

A4. Check with your state workforce agency for available benefits and services. Assistance is available to locate state workforce agencies and your local One-Stop Career Center by visiting www.careerinfonet.org or calling the U.S. Department of Labor toll-free number: 1-877-US-2-JOBS.

Q5. What other forms of financial aid are available?

A5. In addition to the federal financial aid offered by the U.S. Department of Education (see Question 1), there may be opportunities from your state or the school that you are interested in attending may offer scholarships or other institutional aid. For example, some institutions have established special financial aid programs to address the needs of those who have recently lost a job or otherwise have become unemployed. Your local One-Stop Career Center will also have information on training funds available from the U.S. Department of Labor. Visit www.careeronestop.org/findos to locate a One-Stop Career Center near you.

Q6. What costs does a Federal Pell Grant cover?

A6. Federal Pell Grants are available if you are taking classes as part of a program that leads to an undergraduate degree or certificate. Federal student aid, including Pell Grants, can be used to cover a variety of costs, generally including:

  • Tuition and fees normally assessed;
  • Books, supplies, transportation, and miscellaneous personal expenses;
  • Living expenses such as room and board; and
  • An allowance for costs expected to be incurred for dependent care for a student with dependents.

Q7. How much can I receive from a Federal Pell Grant?