Credit News

Debt Consolidation? USAA Member Community #loans #south #africa

#consolidation loan rates

Financial Advice Q in the right hands it can do a lot of good, but if used incorrectly, it’s pretty dangerous.” So the question is, are yours the right hands or the dangerous ones? Here are a couple points to help you decide:

Behaviors and Mindsets

First and foremost, you generally shouldn’t consolidate your debt until or unless you’ve fixed the behaviors and mindsets that caused you to end up with a bunch of debt in the first place. It sounds like you’re on the right track here but don’t underestimate the importance of this. If you don’t get an emergency fund in place (ultimately shoot for 3-6 months’ worth of your committed expenses) or you don’t stick to your budget, it’s typically just a matter of time before you find yourself with even more debt – the consolidation loan and new debt that will arise due to continued overspending and not having money in the bank.

Interest Costs and Repayment Terms

The next thing you want to look at is the interest costs of the debt you currently have versus what it will cost to consolidate. For example, let’s say you have 2 years left on a 5 year car loan at 4.9% interest and you have the opportunity to consolidate it into a loan at 7% with a 5 year repayment term. This probably wouldn’t be a good idea since you would be increasing the interest rate and the term of the loan. Generally, I’m in favor of consolidating debts only if it results in you paying less interest over time.

One last thing, I’d encourage you to temper your expectations about being able to get a consolidation loan for this amount. You might have trouble finding a bank willing to lend you that much, but it might still be a good idea to try. It’s hard to know the right answer here in advance but the good news is you’ll have a lot of influence over how it turns out with either choice.

Thank you so much for your question. I hope this helps and I wish you all the best!

Community Bank: Signature Loans #car #loan #amortization

#signature loans

Signature Loans

A signature loan is an unsecured loan that you can use for vacation, moving expenses, educational expenses and more. Terms vary according to the amount you borrow. The minimum loan amount is $1,000.

No Pre-Payment Penalty

All loans at Community Bank are simple interest with no pre-payment penalty. This means you only pay interest on the unpaid balance. If you pay more than your scheduled payment, or pay the loan off early, you can lower the total cost of your loan.

Easy Monthly Payments

Your monthly loan payment can be deducted automatically from your Community Bank Regular Checking, Interest Bearing Checking, or Savings Account each month. Customers with automatic loan payments receive a .25% discount on their interest rate.

CD Secured Loans

Use your Community Bank Certificate of Deposit (CD) to secure your loan and you’ll enjoy preferred interest rates.

† APR = Annual Percentage Rate. A .25% APR rate reduction is available with automatic payment from your Community Bank checking or savings account. Other rates and terms may apply and will be determined by credit history and loan application.

Land Lot Loans: Residential Construction – Delta Community Credit Union #student #loans #for #college

#land loan

Land Lot Loan

Secure the Perfect Spot for Your Dream Home

Found the perfect land to build your dream home? Whether you plan to build your home right away or a few years from now, Delta Community Credit Union is here to help you get started. Delta Community s Land Lot Loan is a loan that can be used to finance the purchase of land or a lot property for your new home.

What is a Land Lot Loan?

A Delta Community Credit Union Land Lot Loan is a loan that is used to finance the purchase of a lot not exceeding 10 contiguous acres.

You may also find Land Lot Loans (Land Loans and Lot Loans) to be known by many other names such as land purchase loan, raw land loans, residential lot loans, land mortgage loan, vacant land loan and land and construction loans to name a few.

No matter the name, these loans are used to finance the purchase of land in order to build a home.

Benefits of a Land Lot Loan from Delta Community

  • Competitively priced land lot loan rates
  • 5 and 10 year terms
  • Repayment options to fit your budget
  • Build primary residence or vacation/seasonal home
  • No origination fee

Home Loan Solution

Once the construction of your new home is complete we can even help you refinance your residential lot loan to a new fixed rate mortgage .

Pitt Community College #tsp #loan

#how to apply for student loans

How to Apply: Apply for Federal Loans

Federal Direct Loan Program

Accepting your Federal Loans

Before accepting your student loans, we encourage you to learn more about the program by visiting .

The William D. Ford Direct Loan Program is the largest federal student loan program. Under this program, the U.S. Department of Education is your lender . There are four types of Direct Loans available:

  • Direct Subsidized Loans are loans made to eligible undergraduate students who demonstrate financial need to help cover the costs of higher education at PCC.
  • Direct Unsubsidized Loans are loans made to eligible undergraduate, graduate, and professional students, but in this case, the student does not have to demonstrate financial need to be eligible for the loan.
  • Direct PLUS Loans are loans made to graduate or professional students and parents of dependent undergraduate students to help pay for education expenses not covered by other financial aid. Please visit to apply for a Federal Parent PLUS Loan. Please be sure to select the correct loan period option for your student If the parent who provided information on the FAFSA is not the parent who has applied for the PLUS loan, then we will need a copy of your birth certificate to verify that the PLUS Loan applicant is your biological parent.
  • Direct Consolidation Loans allow you to combine all of your eligible federal student loans into a single loan with a single loan servicer.

Steps to Accept your Federal Loans

You must reapply for financial aid each academic year by completing the FAFSA. When you apply for financial aid each year, you will be offered loans as part of your financial aid award if you are eligible. A loan is money you borrow and must pay back with interest.

After you have completed your FAFSA and submitted all required follow-up documentation, you will be notified at your myPittcc email account that your award is ready to be reviewed. In order to receive the loan portion of your award you must accept them by completing the following steps:

Click on the link above or go to to log in to the site using your FAFSA information to complete the Online Entrance Counseling:

There are two methods to complete your Master Promissory Note. Click on the link above or go to and submit your MPN electronically, signing with your PIN number, or you may print a paper MPN and mail it to the address listed below for the federal government to process. The paper MPN may increase the length of time it takes to process your loans.

Department of Education

100 Capitol Commerce Blvd

Montgomery, AL 36117

Step 3: Complete Enhanced Loan Entrance Counseling – New Borrowers

Effective January 1,2012 all new borrowers at PCC must attend a mandatory one-hour workshop before you can apply for a loan. Workshops are offered several times throughout each month. Before you can register for a workshop, your FAFSA processing must be complete and all follow-up paperwork submitted to PCC. You will receive assistance in completing the loan request form during the workshop. A photo ID is required for entrance to the meeting. Please click here to sign up for the workshop.

Step 4: Federal Stafford Loan Acceptance Form – New and Returning Borrowers

You accept your loan awards by completing the Loan Acceptance Form and submitting it to the Financial Aid office. You will not receive loan funds if you do not complete this important step. DO NOT submit this form BEFORE you receive your award letter.

You will need to provide a comprehensive listing of your current student loan debt. Go to print your loan history, and attach a copy of it to your Loan Acceptance Form; even if your identifiers cannot be found. If the amount listed above is greater than $0, click on “MyStudentDataDownload” at to find your lender name, phone number, and website address

To decline your loans

If you would like to decline your Federal Stafford Loans, you simply do not have to accept your loans on WebAdvisor nor submit the Loan Acceptance Form.

Who is my Lender/Servicer?

To find out who services your student loans (your lender), and how to contact the servicer, call the Department of Education customer service line at: 1-800-4-FED-AID (1-800-433-3243).

To find out your Federal Stafford Loan balance and/or total debt go to .

Single Semester Loans

Single semester loans are only permitted in certain circumstances.

  1. Transferring mid-year: Submit a non-returnable copy of the letter from the school you’ll attend that clearly states your acceptance into that school for the following term; or
  2. Graduating mid-year: Submit a non-returnable letter from your faculty advisor that confirms you have completed the courses and have registered for the appropriate classes this semester to graduate at the end of the semester.

PCC is working with the Department of Education to help prevent high student loan debt while attending PCC. First-year independent students are limited to borrowing up to $2,000 per academic year in unsubsidized loans. Upon successful completion, second-year independent students will be able to borrow up to the full $6,000 in unsubsidized loans in addition to the subsidized limits. An independent student is defined under one or more of the following criteria: married, 24 years of age or older, you provide more than half of the support for a child, veteran, or others as specified by the Department of Education. Dependent student loans limits will remain the same.

New Loan Length Restrictions

Beginning July 1, 2013, the length of time students will have access to subsidized loans is limited for new borrowers. Students cannot borrow more than 150% of a student’s program length. For example, students who enroll in a two-year degree program can only borrow loans for three years total. Once that limit has been reached, a student may borrow only unsubsidized loans, and will begin to accrue interest on outstanding subsidized loans. For more information, please visit: Direct Subsidized Loan Limit .

Graduating or Leaving PCC?

All students who receive a student loan at PCC must complete Exit Counseling when they drop below half time, graduate or leave the college due to withdrawal. Students who leave the College without completing exit counseling are at a higher risk of defaulting on their loans. Be in the know about your loans and complete Exit Counseling.

Click on the link below to complete the requirement online.

Free Financial Resources for YOU!

PCC has teamed up with SALT. a new, free membership program that helps you manage your student loans and money. SALT is easy, confidential, and just for you; all for free!

With SALT. you can:

  • Keep track of your student loans
  • Get loan advice from an expert counselor
  • Look for a job or internship
  • See how to save money wisely

Visit SALTMONEY.ORG to get your future started!

Loan Repayment and What Can I Afford?

If you have received a student loan while in school, you will go into repayment on that loan at some point. Click on the link below to learn more about loan repayment.

FSA Ombudsman Group

830 First Street, N.S. Mail Stop 5144

Community First Credit Union. #hfc #loans

#alternative student loans

Alternative Student Loans

A Community First Exclusive!

Still short on tuition funds after FAFSA, Federal Loans and Financial Aid? Community First’s Alternative Student Loan is designed to assist you in borrowing additional funds, at an affordable rate, to achieve your educational goals.

Responsible: School certification of expenses helps to avoid over-borrowing for your education.

Easy Disbursements: Tuition, room and board and meal plan expenses will be disbursed directly to your school to meet expenses. Excess funds will be refunded to you by the school.

Deferred Payments: While in school at least half-time and for six months after leaving school.


  • Student must be a Community First member
  • Co-Signers/Co-Borrowers must be Community First members with an active checking account and full Direct Deposit
  • Student must be enrolled at least half-time at an Approved School


Our specialized student loan application makes it easy to apply anytime from anywhere for both students and co-signers. Whether you are applying for the first time or a returning student borrower, please use our checklist to ensure you have the right information available to complete your application.

Are you applying for the first time?

  • Both students and co-signers will be asked to create unique user names and passwords to complete your application now and to access the system for a loan request each subsequent academic year.

Please note that this application process is separate from Online Banking and CFCU’s other online applications, so your Online Banking user name and password will not work.

  • Are you a Returning Student Borrower?
    • Login using the user name and password you set up previously.

  • Use our Application Checklist to gather the information you need to make completing your application easy!


    If you have questions regarding your application or loan status please call


    Can CFCU Finance My Federal Loans Too?

    Community First does not finance Federal Loans. Make sure to contact your school’s Financial Aid Office for more information on Federal Loans and other financial aid options.

    Associate Degree Nursing, CCCC – Central Carolina Community College #collin #county #community #college #nursing


    Central Carolina Community College (CCCC)

    Associate Degree Nursing

    Associate Degree in Nursing

    The Associate Degree Nursing curriculum provides knowledge, skills, and strategies to integrate safety and quality into nursing care, to practice in a dynamic environment, and to meet individual needs which impact health, quality of life, and achievement of potential.

    Coursework includes and builds upon the domains of healthcare, nursing practice, and the holistic individual. Content emphasizes the nurse as a member of the interdisciplinary team providing safe, individualized care while employing evidence-based practice, quality improvement, and informatics.

    Graduates of this program are eligible to apply to take the National Council Licensure Examination (NCLEX-RN). Employment opportunities are vast within the global health care system and may include positions within acute, chronic, extended, industrial, and community health care facilities.

    Program Length: Associate in Applied Science – 5 semesters
    Career Pathway Options: Associate in Applied Science Degree in Associate Degree Nursing
    Program Sites: Lee Main Campus – Day, Begins Fall Semesters

    What Students Learn

    • The Associate Degree Nursing Education Program is directed toward preparation of graduates who competently fulfill the roles of provider of care, manager of care, and member of the discipline of nursing. The Associate Degree graduate provides care in structured settings for clients and family members to promote optimal human functioning.
    • Students successfully completing the Associate Degree Nursing Program will be able to:
    • Practice professional nursing behaviors incorporating personal responsibility and accountability for continued competence.
    • Communicate professionally and effectively with individuals, significant support person(s), and members of the interdisciplinary healthcare team.
    • Integrate knowledge of the holistic needs of the individual to provide an individual centered assessment.
    • Incorporate informatics to formulate evidenced-based clinical judgments and management decisions.
    • Implement caring interventions incorporating documented best practices for individuals in diverse settings.
    • Develop a teaching plan for individuals, and/or the nursing team, incorporating teaching and learning principles.
    • Collaborate with the interdisciplinary healthcare team to advocate for positive individual and organizational outcomes.
    • Manage health care for the individual using cost effective nursing strategies, quality improvement processes, and current technologies.

    General Information


    Prospective Student

    Curriculum Guides

    Dutchess Community College science classes, dutchess community college online courses.#Dutchess #community #college #online #courses


    Dutchess Community College science classes

    Get info about Dutchess Community College science classes, and registering for additional elective sections. Which college degrees give you the best chances of finding employment after graduation? To earn a higher salary, compare accredited engineering concentrations, and research technical certificate programs in your chosen field. Concentrating on Dutchess Community College science classes, for example, you may gain an advantage in job recruiting on-campus. Check with the mechanical engineering department for course registration deadlines, and scientific research program requirements. Please use the form above to request admissions info for Dutchess Community College.

    Mechanical engineering degrees typically take four to five years to complete, and result in a Bachelor of Engineering (BEng), Bachelor of Science (BSc or BS), or Bachelor of Mechanical Engineering (BME). In the US, most undergraduate mechanical engineering programs are accredited by the Accreditation Board for Engineering and Technology (ABET). Mechanical engineering programs include courses on composites, thermodynamics, engine design, fluid dynamics, control theory, robotics, and computer-aided design (CAD). In addition to the core mechanical engineering curriculum, many mechanical engineering programs offer more specialized programs and classes, such as control systems, fuel cell technology, and biomechanics.

    Many mechanical engineering companies have begun to incorporate computer-aided engineering (CAE) programs into their existing processes, including 2D and 3D solid modeling computer-aided design (CAD), enabling faster and more exhaustive visualization of products. Other CAE programs commonly used by mechanical engineers include product lifecycle management (PLM), and analysis tools such as finite element analysis (FEA), computational fluid dynamics (CFD), and computer-aided manufacturing (CAM). Further, automation in the form of industrial robots allow businesses to save money on manufacturing costs, and ensure precision quality control. The median annual income of mechanical engineers in the US workforce was $80,580, highest when working for the government ($92,030), and lowest in education ($57,090). Beyond major requirements within the mechanical engineering department, you may consider biotechnology program as an adjunct to your primary course of study.

    Founded in 1984, AFL is proud to offer engineering expertise, exceptional products and reliable service that help our customers improve their critical and..

    Our electrical engineers work alongside a full service multi discipline team of professionals in a fast paced passionate environment of dedicated and talented..

    To fulfill this responsibility, the reliability engineer applies. Strong mechanical and electrical knowledge and aptitude..

    Hewlett Packard Enterprise

    HPE invents, engineers, and delivers technology solutions that drive business value, create social value, and improve the lives of our clients..

    Must be able design simple mechanical, electrical, and pneumatic test fixtures. Must be able to use a wide variety of tools to assemble various test apparatus..

    Mentoring junior engineers in good product design practices. Medical device manufacturer seeking Senior Mechanical Engineer to be responsible for the design and..

    Electrical Engineering (EECS)

    Dutchess community college online courses

    Electrical engineers design and test new electrical equipment such as electric motors, communications systems, and power generators. Electronics engineering technicians, on the other hand, work in product evaluation and testing, using measuring and diagnostic equipment. They are also involved in the deployment of new equipment in factory automation. Electrical engineering (EECS) has several sub-disciplines, including power engineering, software development, and control engineering. Electrical engineers with an EECS bachelors degree earned an average salary of $95,230 in 2017, while engineering technicians with an associates degree earned $61,130 annually.

    The field of electric power engineering deals with the generation, transmission, and distribution of electricity. These include transformers, electric generators, electric motors, high voltage engineering, and power electronics. Electrical engineers maintain an electrical network called the power grid, that connects a variety of generators using high-voltage transmission lines. Signal processing relates to the analysis and manipulation of signals. Signals can be either analog, in which case the signal varies continuously, or digital, where the signal varies according to a series of discrete values. Control engineering applications range from flight systems of commercial airplanes to industrial automation. Where there is regular feedback, control theory can be used to determine how the system responds.

    Dutchess Community College Admissions Process

    Most colleges accept either the SAT or ACT, and have formulas for converting raw test scores. The SAT test has a separate vocabulary section while the ACT has a separate science reasoning section. Other college admissions information sources, like SUNY University at Albany transfer process, make use of standardized tests in admissions decisions because there are substantial differences in course requirements, high school GPA, and grade curve difficulty among US schools. You can also explore practice test, in order to further target your academic interests. For students following an engineering track, and who can meet the minimum work-experience requirement of 2-3 years, engineer interns can attempt a certifying exam called the Principles and Practice of Engineering Exam.

    In some instances, colleges may spot-check admissions applications for accuracy, such as requiring proof of a summer internship. According to data on Shepherd University virtual campus tour pages, an ideal academic record consists of a high GPA in courses of progressive difficulty. You may compare Baldwin Wallace College with other schools that you’re considering.

    Financial Aid Information

    The IRS suggests that parents maintain accurate financial statements, including tax forms and business records, for use when applying for student financial aid. Most private loan programs are tied to one or more financial indexes, such as the BBA LIBOR Rate, plus an overhead charge. Financial aid may be administered via St Philips College office of financial aid or through academic departments. Alternatively, student credit cards may seem like a good short-term solution, but the interest rates are high, and credit cards often carry an annual fee. The College Board Scholarship Search service advertises several thousand sources for possible scholarship funds. Finally, trade unions may offer academic scholarships and other financial assistance for students of union members.

    Scientific Research Programs near Poughkeepsie, New York:

    Take a few moments to browse mechanical engineering programs at other colleges and universities near Poughkeepsie. It’s a good idea to compare all technical schools in your target area, as well as consider taking some of your scientific research classes online. You may request free information from several different schools below, without making a commitment.

    Bee and Wasp Sting Remedy, Treatment & Relief Viewer Comments and Reviews: Bee And Wasp Sting – Self-Care – Patients Share Their Knowledge on eMedicineHealth #reviews #comments #experiences #knowledge #patients #caregivers #message #boards #commentary #community #insights #causes #diagnosis #symptoms #medical #insight #share #responses #messages #threads #bee #and #wasp #sting, #self-care


    Comment from: Mitch, 75 or over Female (Patient) Published: July 20

    I was stung by a yellow jacket on my leg just above the ankle about 2 weeks ago. Immediately I put ice on it and used very cold water on it the rest of the day. I didn’t swell until a day later. A few days later I got terrible itching. I tried cortisone cream, Lanacane and more ice without relief. Finally in desperation I tried aloe vera capsules I had on hand; instant relief from itching. I did not need another application. By next day, the swelling was down and I could see it was healing. Now I can still see a small dot where I was stung and there’s a little discoloration but all is well.

    Comment from: zyggystardust, 55-64 Male (Patient) Published: July 14

    I just got stung on the edge of my hand by a nasty wasp. The stinger came out when I flicked the wasp off my hand. It hurt terribly. I patted the spot with a paper towel moistened with vinegar. The relief was instant. I know some doctors claim it is only a placebo effect, but it worked. It started hurting again after 10 minutes, so I reapplied the vinegar. Relief again.

    Comment from: Dotty99, 55-64 Female (Patient) Published: March 30

    I was stung on my inner wrist into a vein by a wasp. The pain was horrendous, I immediately bathed it and put on some antiseptic cream. I took 2 ibuprofen tablets and an antihistamine. The pain continued and the area became red and my hand started to swell up (I had taken my rings off). I looked online to see if there was anything else I could try as I was feeling terrible. I read about putting a one pence coin on it for about 10 minutes. With nothing to lose I held it over where the sting had been and almost immediately the swelling started to subside. Pian is now gone and only a slight redness still can be seen. The penny seemed to do the trick, must be something in the metal.

    Comment from: OnlyVal, 65-74 Female (Patient) Published: July 29

    I was stung by a red wasp on my arm July 9. It hurt at first, then my arm swelled up like a football and was very red and itchy. Doctor said it was infected and gave me steroid shot and wrapped it up and told me to keep it on ice pack. Yesterday while I was sleeping, I was again stung by a red wasp. I felt a tickle on my arm and brushed it away and the wasp attached itself to my finger and stung me. This time it hurts all the time and my hand and fingers are so swollen I can’t even pick up a coffee cup. Remedy: Benadryl, sit and rest arm on a pillow with an ice pack. These stings last at least two weeks for me.

    Comment from: 55-64 Female (Patient) Published: July 29

    Toothpaste – advice from my mother-in-law, mother of 12 children. Best to use the white kind with baking soda. The pain from the bee/wasp sting goes away within a few minutes; no swelling, no healing. Done.

    Comment from: Alf, 19-24 Male (Patient) Published: January 11

    You should put some cold water on bee/wasp sting for 5 minutes.

    Comment from: emismom, 35-44 Female (Patient) Published: September 09

    I was stung by a paper wasp. I happened to have a can of Burt’s Bees brand natural insect repellant. The stinging pain was very intense. I thought it couldn’t make it worse. I got the repellent on the sting within a minute of getting stung and was astonished that the pain was gone in less than 30 seconds. I had minor swelling and barely noticeable itching. 10 hours later, the skin around the area only feels slightly tight. I was stung 20+ times when I stepped on a nest as a child. I think they were hornets. My ankles swelled up so big I couldn’t put socks on. My friend’s mother put wet tobacco from a cigarette on them. Didn’t do a thing to help.

    Comment from: grandpa, 65-74 Male (Patient) Published: November 24

    I was stung by a paper wasp 10 years ago, on my upper back. A red spot big as a quarter lasted 4 days. Two days ago I had a skin cancer cut off, same spot, same size.

    Comment from: ms jane, 55-64 Female (Patient) Published: September 05

    When my husband and I were camping, he got into a wasp nest. Our neighbor camper told him to use a raw onion. We now swear by the onion for bee stings. The onion stops the pain immediately. Just hold it on the sting for a few minutes. It may not stop the swelling a lot, but it really stops the pain. My granddaughter was stung by yellow jackets and this totally stopped her pain and the swelling. Keep an onion handy. It works!

    Comment from: Shall1, 3-6 Female (Caregiver) Published: October 09

    I got stung in the ankle by a red wasp. It was the most painful thing I have ever felt! I couldn’t immediately do anything because I was working, but every time I stepped, shooting pain shot up my leg. By day two, my entire foot and a third of my lower let swelled. I went to the doctor and she said it was a local reaction. She gave me an antibiotic because it looked infected and told me to ice it, take Benadryl, and elevate. It took two weeks to get better. And my ankle still feels bruised months later.

    Viewer Comments are not a substitute for professional medical advice, diagnosis, or treatment. Never delay or disregard seeking professional medical advice from your physician or other qualified health provider because of something you have read on eMedicineHealth. The opinions expressed in the comments section are of the author and the author alone. eMedicineHealth does not endorse any specific product, service or treatment.

    If you think you have a medical emergency, call your doctor or 911 immediately.

    Report Problems to the Food and Drug Administration

    You are encouraged to report negative side effects of prescription drugs to the FDA. Visit the FDA MedWatch website or call 1-800-FDA-1088.

    Medical Dictionary

    Air Conditioning – AC Contractor #air #conditioning,cool, #lehigh, #southwest, #area, #service, #florida, #acres, #conditioning, #cool #air, #lehigh #acres, #southwest #florida, #community #provide #outstanding, #acres #southwest #florida, #of #address #lehigh, #air #conditioning #system, #level #service #naples, #fl #bonita #springs, #addition #home #base, #sanibel #captiva #areas, #myers #punta #gorda, #cape #coral #fort, #servicing #installing #model, #worth #experience #diagnosing, #fl #proudly #serving, #located #lehigh #acres, #cool #cool #air, #conditioning #contractor #family, #the #southwest #florida, #area #1970 #cool, #technicians #couple #decades, #team #expert #service, #greg #matthew #borek, #managing #brothers #frank, #easy #choose #air


    B & B Cool Air Makes it Easy for You to Choose the Right Air Conditioning Contractor

    We Keep Your Family Cool

    B B Cool Air, located in Lehigh Acres, FL, has been proudly serving the southwest Florida area since 1970. Along with B B Cool Air s managing brothers Frank, Greg and Matthew Borek, our team of expert service technicians have more than a couple of decades worth of experience diagnosing, servicing and installing just about every make and model of air conditioning system you can think of.

    Although our address is in Lehigh Acres, we consider the whole of southwest Florida to be our community. We provide the same outstanding level of service throughout the Naples (FL), Bonita Springs, Cape Coral, Fort Myers, Punta Gorda, Sanibel and Captiva areas, in addition to our home base.

    Rheem AC Systems

    B B Cool Air is a Rheem Pro Partner and as such, we are proud to offer the Rheem air conditioning line of highly efficient and reliable products to our customers. Rheem AC products are considered top of the industry when it comes to quality and that means a lot to us, since it is our policy to only recommend the best products to you.

    Even though we exclusively carry Rheem products, our entire team of service technicians are extensively trained and qualified to handle all makes and models of air conditioning systems. So, no matter what type of air conditioner you currently have in your home, you can be sure that we will be able to expertly deal with any maintenance or service issues you are experiencing.

    Air Conditioning Sales Service

    Whether you are having issues with your air conditioning system and are looking for ac repair services or are in the market to entirely replace your air conditioning system and are looking for a free estimate, please give us a call at (239) 674-1525. Our experts will be happy to answer any questions you might have.

    And while you have them on the line, go ahead and inquire about whether setting up an annual air conditioning system checkup and maintenance visit would be right for you. For a very low cost, we can probably have your air conditioning system running at peak efficiency again.

    What Our Customers Say

    Dear B B Cool Air Inc, So often good employees are not acknowledged. Adam came to my home in Gateway and serviced my system. He was professional yet friendly. You have a great employee in him. Also, Laurie in your office has been so helpful. She, too, is to be commended. I will be calling soon for the a/c service on my other house in Riverdale. Thanks to all of you at B B.

    B B Cool Air s Community Involvement

    You really get a sense of B B Cool Air s commitment to the southwest Florida community when you look at all the good they do through numerous outreach programs. As part of the SW Florida Rheem Team, they gladly give tens of thousands of dollars each year in donations to help fund various scholarship programs. B B Cool Air is also grateful that they were able to help out the Calusa Nature Center and Planetarium in Fort Myers when the copper of the air conditioning units was stolen. The SW FL Rheem Team donated two completely new air conditioning systems.

    The SW Florida Rheem Team is a highly esteemed organization of carefully selected HVAC professionals who have been recognized for their commitment to excellence and their tireless community involvement. B B Cool Air is not just a member of the SW Florida Rheem Team, our very own Greg Borek just happens to be their President.

    Recent Questions Answered

    General Air Conditioning

    What can I do before calling for AC Service?

    Why Choose Us

    Locally Owner Operated
    We re hands-on and so are the owners.

    Long History in SW Florida
    B B Cool Air is here since 1970.

    Rheem Pro Partner
    B B Cool Air belongs to a group of carefully selected HVAC Contractors in the USA.

    Always Up-to-Date with Standards
    Our staff is highly educated and well trained.

    Reasonable Priced
    Our pricing structure is very clear.

    Licensed Insured HVAC Contractor
    You always want to make sure that your contractor fulfills the state requirements. We do!

    About us

    Here at B B Cool Air, we want to make it easy for you to know and trust us so when it comes time to choose an air conditioning contractor, your choice will be simple. B B Cool Air s owners Frank, Greg and Matthew Borek have put together a strong team with a whole lot of expertise and experience under their belts.

    Our Service Area

    SAP Hotel Management: Serving the hospitality community with integrity, loyalty and qualitySAP Hotel Management #sap #hotel #management: #serving #the #hospitality #community #with #integrity, #loyalty #and #quality. #sap #hotels #specializes #in #hotel #management #of #both #full #service #and #select #service #hotels. #the #need #to #be #selective #in #choosing #a #hotel #management #company #has #never #been #more #important #than #it #is #today. #sap #hotels #provides #real #world #solutions #for #it\’s #owners #and #will #increase #your #hotel\’s #top #line #revenue #and #improve #your #hotel\’s #bottom #line #profit.


    SAP Hotels specializes in hotel management of both full service and select service hotels. The need to be selective in choosing a hotel management company has never been more important than it is today. SAP Hotels provides real world solutions for its owners that will increase your hotel’s top line revenue and improve your hotel’s bottom line profit.

    SAP Hotels LLC. is deeply rooted in the hospitality industry. Its senior management is comprised of a team of skilled professionals with averaging nearly 75 years of lodging experience. SAP Hotels LLC. upholds long-standing relationships with the industry’s most highly regarded brands.

    SAP does not take a cookie cutter approach to our services and fees. SAP’s executive team will take the time to get to know you the owner and qualify the needs of your hotel. We will then work with you to design a program that will generate results. SAP can perform complete hotel management for your property or just provide, sales and marketing, centralized accounting or cost control support.

    Our Services

    SAP can perform complete hotel management for your property or just provide, sales and marketing, centralized accounting or cost control support. Read More

    • Day to day operation supervision
    • Establish and monitor business plans
    • Monitor and supervise all personnel matters
    • Implement and monitor purchasing and inventory controls
    • Implement and monitor food and beverage systems
    • Implement and monitor accounting systems including reporting
    • Accounts Receivable and Accounts Payable
    • Prepare, annual forecasts, budgets, and weekly variance analysis
    • Prepare, implement and monitor emergency and guest safety plans
    • Establish preventative maintenance programs
    • Prepare capital improvement schedules
    • Prepare goal-oriented bottom line targets
    • Involve owners in decision-making and in the review of hotel performance

    . Know more about Operations

    • Development of top line budget
    • Annual marketing plan
    • Development of group booking goals
    • Development of locally negotiated account consumption goals
    • Sales solicitation goals
    • Sales performance bonus incentive
    • Creative site tour procedure
    • E-Marketing
    • Event management promotions and execution
    • Competitive analysis
    • Sales support and training
    • Public relations coordination
    • Collateral design
    • Quarterly targeted action plan
    • Sales Blitz coordination
    • Outside sales calls
    • Coordination of property and franchise marketing efforts
    • GDS, internet, print, social media marketing

    . Know more about Sales and Marketing

    • Preparation of annual budget
    • Daily flash report
    • Preparation of monthly financial statements
    • Annual reporting and payments of all state, local and lodging taxes
    • Monitor the annual budgeting process
    • Provide financial results analysis and industry comparisons
    • Provide cash flow monitoring and distributions
    • Perform internal financial audits
    • Provide sales, property and income tax audit support
    • Administer banking relationships
    • Loan negotiations

    . Know more about Finanance

    • Line Level Job Descriptions and Employee Handbook
    • Management/Associate’s search
    • Best Hiring Practices
    • Employee Relations and Retention
    • Termination Procedures
    • Bonus and Incentive Plans
    • Compensation Consulting
    • Government Compliance
    • Harassment Free Atmosphere
    • Educational & Leadership Training

    . Know more about Human Resources