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Things to do in dfw 1000 0,33 11,92! $ Video

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5 Reasons Why Finance is a Good Major – Online Finance Degree, what to do with a finance major.

#What #to #do #with #a #finance #major


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Online Finance Degree

What to do with a finance major What to do with a finance major

5 Reasons Why Finance is a Good Major

What to do with a finance major

Finance is a field lush with great earning potential and rewarding career options in a wide range of industries. The field has seen large growth despite recent economic downturn, so it s a little more guaranteed than other fields. There are definitely more than five reasons why studying finance is a smart choice for potential students, but we ve compiled a list of the most pertinent reasons to help you decide which program of study is right for you! The reasons below touch on areas that are going to emphasize perks for the career-driven individual who is looking to implement exciting changes to their life in beneficial ways.

1. Narrow Focus

If you re interested in a business career then you have an array of college degree options such as business, accounting, or management. One great reason to become a finance major is because of it s more narrow focus, but it still allows you to explore a field that is dense with job opportunities.

A finance degree allows you to work with the decision makers of outside organizations. Examples of these organizations include: banks, government agencies, stockholders, suppliers, businesses, and more. Being able to distinguish yourself with a finance degree will help you when searching for jobs, especially from a large number of business majors. As a finance degree is harder to attain, it s guaranteed to set you apart.

2. Personality Driven

Anyone can get a business degree or do accounting, but in order to be in a finance career you must be outgoing and inquisitive. Though you ll need to be good at mathematics, you also must be good and talking with people and making friendly conversation on a variety of subjects. Therefore education, intelligence, and personality are all taken into account for finance jobs. Additionally, you must be diplomatic and consider your organization s or client s goals, resources, and options when discussing their options for financial growth and well-being.

3. Growing Job Prospects

According to The Bureau of Labor Statistics, due to a growing range of financial products and the need for in-depth knowledge of geographic regions finance positions are growing faster than the average for employment in the United States.

For example, careers in financial analysis are to grow by 23 percent, financial management by 14 percent, and financial advising by 32 percent. The opportunities will continue to present themselves as the economy continues to recover. As a with any major, it s important to keep a focus on what it s like in the job market upon graduation and it s very fortunate that things look promising for those in this major.

4. Wide Variety of Job Opportunities

As you can see above, finance careers are growing. This also means that the variety of careers opportunities are growing as well. With a finance degree you can work in:

  • Corporate management
  • International financial management
  • Investment services
  • Financial planning services
  • Personal financial planning for individuals and private organizations
  • Brokerage firms
  • Insurance companies
  • Commercial and investment banks
  • Credit unions and private banks

As well as many other financial intermediary companies all employ finance graduates.

5. Financially Rewarding Careers

In addition to having a wide range of job opportunities, the jobs that present themselves to you will also be very rewarding from a salary standpoint. Salary information varies from job title and experience, but the following are a few baseline ideas of the average salary you can earn with a finance degree:

The job market has underwent some large changes in the past decade, partly due to different technological innovations and partly because of the economy. Finance majors are placed into a very fortunate position that keeps options available to continue to grow unhindered from many circumstances that have impacted others.

Featured Online Finance Programs

What to do with a finance major

What to do with a finance major

What to do with a finance major

What to do with a finance major


How do Home Equity Loans Work #best #auto #loans


#home equity loan rates
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Home Equity Loan

Why a Home Equity Loan?

Equity in your home brings you peace of mind and opportunity for growth. You can borrow money using the equity in your home as collateral. Upon acceptance, you receive a lump sum of money to use for these projects or debt payments. The loan is repayable over a fixed term. A home equity loan gives you a secure locked-in rate and a consistent monthly payment. The interest may even be tax deductible. Check with your tax advisor.

Money to make your life better.

Work with Mountain America for your Home Equity Loan.

How does a home equity loan work? In a word, well.

It s a rather simple premise. You have equity in your home. A home equity loan lets you borrow money, using that equity as collateral. You receive a lump sum of money that is repayable over a fixed term, giving you the security of a locked-in rate and a consistent monthly payment 3. Plus, unlike most types of consumer loans. the interest on a home equity loan may be tax deductible 2 .

Flexible Home Equity Line



How do used car loans work? carloan banks usedcars #cheap #loan


#used car loans
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How do used car loans work?

I have some general questions about financing a used car

My current car, a 1995 Volvo 850 with around 200,000 miles, has been giving me some trouble. First, the A/C died, which for someone who likes to keep their surroundings as cold as possible is pretty annoying. It sounds like that may simply be a relay that needs to be replaced. Second, there was a good amount of white smoking blowing out of my tailpipe this afternoon. I’m worried that it may be a headgasket or a gasket on my turbo. I’m going to see the mechanic tomorrow morning.

Assuming that repairing my 15-year-old car will cost me many hundreds if not thousands of dollars, I’ve been looking into getting a replacement. I’ve tried my best to research various used car loans online. I’ve got $2000-$2500 to use a down payment. Ideally I’d replace this car with the same exact model, only with less miles. I love my Volvo.

It seems like many lenders limit the model year they will loan money for to newer (within the last 5 or so years) models. Is this true of most lenders? Will it be tough to get a $3000-$5000 loan for a late 90s model?

If I do get a loan, am I free to purchase the car wherever I want? Private seller? Dealership? Used car lot? How does this work? Does the bank give me a blank check with the stipulation that I can only spend up to $xxxx? Do I need to tell the seller/dealership to contact my lender to receive the money?

I currently do the majority of my banking online with ING Direct. They do not offer car loans. There are several banks near me, including PNC and my employers credit union. Generally, do you need to have an account at the bank to get a loan from them?

This is a tough situation for me, as I recently graduated from college and moved away from home. I don’t have any friends who can give me rides or help me look for a car. I’d like to be prepared if I need to start the process of finding a loan and then purchasing a car.

I bank at a local credit union in the metro NY area (and have commented about using credit unions here in the past ) and recommend that route.

My credit union will only give car loans for cars 10 years or younger. Why? Because the car is collateral in case you don’t pay back the loan. If the car stop working and you cannot afford to fix it, the credit union doesn’t want to repo a busted car.

Want a car loan? Need an account. The minimum for a savings account there is $5. Get pre-approved for the loan in the amount so you know that you’ll be able to finance it when you start shopping around. You’ll have to use a bank if you buy from an individual. If you buy from a business, they will attempt to loan you the money as well. There’s tons written about financing cars at dealerships and car negotiating for you to read. Commonly, it is recommended that you do not walk in and announce that you’ve been pre-approved elsewhere or for what amount.

Huh. I was not previously aware of the limitation on model years for car loans.

Well, the issue with car loans is that they will take a security interest in your car, so the car is collateral on the loan and therefore the lender has to care about the quality/upkeep of the car (FYI, there is typically a minimum amount of comprehensive and/or collision insurance coverage required when you take out an auto loan).

One potential alternative is a line of credit or personal loan. Discover has such a product, though I’m sure there are other, similar alternatives, possibly even one at your local credit union. This is different from a credit card in that 1) the interest rate tends to be lower, and 2) the monthly payment and payment term are fixed. For a small amount such as you are planning to borrow ($3-5K), it may be entirely feasible to get a personal loan.

The upside is that they do not care at all what you spend it on, or require any particular level of insurance on your car. The downside is that the interest rate may be a couple points worse than that of a car loan, and your repayment term may well be shorter (24-36 months is common), so the monthly payments will be higher.

posted by rkent at 8:00 PM on May 25, 2010

What the others said reflects my experience too, but I will add one bit of advice.

Last time I bought a car, I arranged for financing ahead of time with my credit union. I qualified for their very best rate, which turned out to be the lowest rate among about 10 banks and credit unions I checked. I wound up buying a very slightly used car from a dealer and the manufacturer had incentive financing which was about one percent lower than that. The finance guy at the dealership somehow wound up finding financing through the dealer services department at a major national bank which was even 1% lower than the manufacturer’s deal.

The point is that you should come prepared with your own financing in place, but be open to the possibility of a better deal. Also be aware that some dealers try to simulate a better deal by giving you a lower rate but a higher overall price. For that reason, you should negotiate on the price and all other details before you even begin talking to the dealer about financing. You should also make it clear that you’re totally indifferent about the car and prepared to walk at the first sign of nonsense.



How Do I Qualify for a Government Debt Consolidation Loan? mobile wiseGEEK #student #loan #consolidation #rates


#government debt consolidation loans
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wiseGEEK: How Do I Qualify for a Government Debt Consolidation Loan?

To qualify for a government debt consolidation loan, you will typically have to meet the criteria of the lending program in question. Usually, these programs are offered for students who have more than one loan and want to make repayment easier. You can likely qualify if you are not in default or delinquent on your payments. Depending on where you are located and the type of loan in question, you may not have to submit to a credit check as you would if you were hoping to consolidate other types of loans. In fact, when participating in a government debt consolidation program for student loans, you may not even need a job to qualify.

Typically, you’ll need outstanding government loans to qualify for a consolidation loan. This means that, if you received a loan from a private institution and it was not backed by a government guarantee, it is unlikely that you will qualify. If you have two or more government-granted or -backed loans that are eligible for a loan consolidation program, however, you may qualify to consolidate your debts.

The first step in qualifying for a government debt consolidation loan is usually learning the criteria of the program in which you are interested. In many jurisdictions, the only type of debt consolidation program available is for people who have student loans. In such a case, qualifying is often very easy. For example, government debt consolidation for student loans is often available without regard to credit history or current income. Likewise, you will not typically need any collateral or a cosigner .

While your credit history and employment status may not figure in your ability to secure a loan, there is one factor that usually proves critical: payment history. Typically, you will be turned down for this type of loan if you are delinquent on your payments or in default on any of your government-granted or -backed loans. Often, however, government student loan programs have measures in place to allow you to catch up on payments and get out of default status. Once you’ve done so, you can typically apply for and receive a consolidation loan.



Hard Money: What is it and How do Hard Money Loans Work? #calculate #loan #payment


#hard money loans
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Hard Money: What Is It and How Do Hard Money Loans Work?

Most real estate investors hear terms that they don t understand in the beginning. One of these terms, hard money. is little understood, and frequently asked about. Here is a great explanation of hard money.

What Does Everyone Mean by Hard Money? What is Hard Money

Hard money lenders (HMLs) are typically private individuals or small groups that lend money (Hard money) based on the property you are buying, and not on your credit score. Usually these loans cost (percentage-wise) much more then an average mortgage. often times up to twice what a regular mortgage does, plus high origination fees.

Who Needs Hard Money

Developers and house flippers, amongst others, will use it to fund deals because you can often borrow up to 100% of your purchase price! On the other hand, hard money lenders will frequently require you to back up your loan with real assets. If you know you can buy a property and turn it quickly at huge profit, and you can t get a standard mortgage, it might be one way to go. Some investors use hard money to get into the property, do some quick fixes to raise the property value, then get a new loan (based on the property s new, improved value) from a bank to pay off the hard money lender.

In Other Words.

Hard money loans are easily accessed and cut through the red tape. If you can develop a relationship with a LOCAL hard money lender, you can get funds within a couple days, and sometimes with no appraisal or other costs (except for origination fees of course).

Now different HML s have different requirements and protocol. There is a local HML that only charges 12% interest and 1 point origination if you keep it over a year and 2 more points if you keep it less than a year. He only does 30 year notes, and obviously he wants you to keep it. He has over 1100 notes, so he doesn t want the hassle. He wants his money to stay loaned out. I have also worked with another local HML who doesn t charge any points, but he s extremely fickle and can be hard to work with.

Now the typical HML will charge somewhere right around the usury rate. In Texas its 18% annual, so most HML s will charge 5% origination and 13% interest on a 1 year note or no points upfront and 18% interest with a shorter call. Now they can get around usuary by shifting their origination fee into a commitment fee (little different protocol), but most HML s don t know this.

The beauty of HML s is that the loan is normally not based on your credit score (especially with local lenders) or at least not on your credit worthiness (assets and income), you can receive funding within a matter of days (normally about 7-14 days) rather than 30 days+, and you can get a loan on any piece of junk that you find. You also are not normally dealing with a processing team. You deal directly with an individual lender. If he or she says yes, then you have the loan. This is quite advantageous versus going through an entire loan committee process or underwriting process.

HML s on longer term investments are not a good idea, but for short term flips, rehabs, or for the initial purchase, they can be a very strong tool. I started my investing using HML s, and have made very good money using them. I now use mostly a line of credit from the bank, but it took me several years to work into that. I also now do some local hard money loans to other investors.

Thanks to Ryan Webber for his explanation in other words (from our forums )

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Do Student Loan Interest Rates Matter? #bill #consolidation #loans


#interest rates on student loans
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Do Student Loan Interest Rates Matter?

Over the past several weeks student loan interest rates have been a hotly debated issue among politicians who are trying to pass legislation to prevent the increase in rates set to occur next week. Last month President Obama stood in the Rose Garden at the White House and warned that allowing interest rates to double on July 1 would be equivalent to a $1000 tax hike a frightening prospect for cash-strapped college students. Senator Durbin, a co-sponsor of the Democratic proposal in the Senate, argued that action is necessary in order to prevent the student loan market from falling into a crisis like the one seen in mortgage lending. The rhetoric surrounding this debate would have you believe that the stakes are incredibly high. Many have begun to worry that the consequences of inaction could be catastrophic. I m pleased to say, however, that this is quite far from the truth.

The most surprising aspect of this debate is the high degree of similarity between the possible outcomes. Recent analysis by Jason Delisle and Clare McCann at the New America Foundation made this point clear. They ran the numbers to show how various proposals would impact an average borrower s monthly payment. They concluded that the bipartisan Senate proposal currently in the works would create savings for borrowers compared to the other options on the table. Most striking, however, was how similar the existing proposals really are.

In order to illustrate this point, I built an Excel spreadsheet that calculates a borrower s monthly loan payments based on a variety of assumptions. To extend the work done by Delisle and McCann, the calculator has built in predictions of future treasury rates, which are based on the current yield curve. The calculator allows for changes to the borrower profile, including total borrowing and fraction of borrowing in subsidized loans. It also identifies each of the primary legislative proposals and allows the user to compute monthly payments using different parameters (i.e. the spread over treasury rates). The table below shows the monthly payments that an average borrower would face under different policy options. Download the spreadsheet to explore the policy options yourself.

%img src=”http://www.brookings.edu/%3C/p%3E%0D%0A%3Cp%3E/media/Blogs/Brown-Center-Chalkboard/AkersChalkboard-graphic62713-updated-final-final.jpg?la=en” /%

The undeniable conclusion from this exercise is that student loan interest rates don t matter at least when you are only considering the options that are currently on the table. For a borrower with $27,000 in federal student loan debt, the difference between the most and least generous proposals is $33 per month when borrowing the maximum allowable for both subsidized and unsubsidized loans over four years. Over the life of the loan, this amounts to $3,400 (discounted value). In terms of monthly payments, the differences between the proposals become even smaller when you take into account the possibility that many borrowers will participate in repayment plans that extend the term of the loan beyond ten years.

Regardless of whether you think that $33 is a large sum, it is clear that we don t need to worry if the outcome of this political battle will leave future borrowers in dire straits. Instead, let s focus on what is important in federal student loan policy. First of all, we need to get congress out of the business of setting interest rates. Thankfully most policy makers are in agreement on this and have endorsed legislation that pegs student rates to the market. Second, we need to ensure that the federal lending program is fiscally responsible. Lending to students at cost, as proposed by Senators Reed and Durbin[i]. is the best way to achieve this. Since the government has the ability to borrow at low rates through the treasury, loans that are costless to the government will have rates that are well below what private lenders can charge. Constructing a budget neutral lending program will ensure that loans will be available for future generations of students. While it is easy to understand why many will favor the interest rate proposals that provide savings to the borrower over the life of the loan, we need to consider the benefit of delivering those same dollars to students through Pell grants instead. A cash transfer at the time of enrollment will likely have a greater impact on enrollment than an equally costly subsidy delivered through interest rates after a student has graduated. This is especially true for low income students who may have an aversion from borrowing that discourages them from enrolling in college.

Revisiting this debate year after year provokes a fear of borrowing among prospective college students, which may discourage some from pursuing degrees at all, and wastes the valuable time of our policy makers. Given that all of our options are in the same ball park, it s time to quit bickering over a few percentage points and pass legislation that will provide a long term solution.

%img src=”http://www.brookings.edu/%3C/p%3E%0D%0A%3Cp%3E/media/General-Assets/Icons/excel_icon.jpg?la=en” /% Click here to download the student loan interest rate calculator (Excel)

[i] Estimates of monthly payments are not available for this proposal because the spread over market rates is based on administrative costs to be calculated by the Department of Education.



FHA Loan Requirements- Do You Qualify For an FHA Loan? #jumbo #loan #rates


#fha loan requirements
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FHA LOAN REQUIREMENTS

In today’s housing market crisis, getting a traditional mortgage approved is not an easy task. There are strict requirements that you must meet, which makes it almost impossible for the average American to get a loan. For this reason, FHA loans may be your easiest and only solution to getting approved.

You must meet most of the following requirements to get an FHA Loan approval:

  • You do not have to be a US citizen, but you must be a permanent resident who is permitted to work in the United States.
  • You must have a valid Social Security Number.
  • Steady employment for the past 2 years (preferably but not limited to same employer).
  • No minimum or maximum income restrictions, but you must have an unchanged or increasing income for the past 2 years.
  • You have less than two 30-day late payments on your credit report listing.
  • If you have any bankruptcy filings, they must be more than 2 years old and you must have a perfect credit since the filing.
  • If you have any foreclosures, they must be more than 3 years old and you must have a perfect credit score since the filing.
  • Your current mortgage payments must be approximately 30% of your income before taxes.
  • You do not have any student loans currently in default.

If you meet all or most of the above requirements, apply now to gain freedom from mortgage stress.

Many people are intimidated by a loan process and are too overwhelmed to ask questions. Lenders count on this fact to benefit themselves, not always using the most ethical practices. For this reason, you must understand the requirements, and also be familiar with the steps that must be followed to ensure that your loan is approved and finalized in your favor.

Here at FHA Lending Requirements, we have made a quick list below of the FHA loan process to help you understand and make this daunting process a bit easier. We are here to help you through every step of this loaning process to get you approved quickly and conveniently.

  • The documents you need will include a list of personal paperwork required to proceed with an FHA application. These documents are vital to successfully completing your loan process.
  • Displaying your income and earnings will also be necessary. Through this, you will be able to demonstrate that you are capable of managing a mortgage payment, which is one of the requirements for your loan.
  • FHA will need to know your history of debt management, though they are certainly not as strict about this history as you would find with other conventional lenders. Your credit will be a large factor which determines this capability to manage money and debt.
  • If you have any kind of savings or money set aside. this will tremendously help to display your ability to create seasoned funds. This will push the process along more smoothly.
  • Closing costs are required by all lenders, and include a transaction and documentation service fee. However, FHA works hard to regulate their costs, and keep them much lower for you.
  • Using debt to income ratios. FHA can determine if you will be able to handle the loan given to you. This will help to make your budgeting job easier, and will also help to establish the loan amount that would be best for you.
  • You will encounter a standard loan processing phase. while FHA goes through your paperwork and checks all of the information. If any problems do arise, this is the time when these issues can be quickly modified and resolved.
  • Your paperwork will then be sent to an underwriter. who will carefully review all of your documents and conclude if they meet the FHA requirements. At this point, if all goes as it should, your loan will be approved!
  • As with any kind of lending, delays can spring up now and then. However, 30 days is usually the standard for closing a loan.
  • Once you have decided on the home you want, a licensed professional who is certified by the FHA must appraise your house. This is a crucial part of the process, and will determine the final amount of your loan.
  • After one more review and your approval. the money can be transferred to you, and you can move forward with your home purchasing plans.
  • During escrow, you will set up an account which you will make monthly payments to. It is separate from your mortgage payment. Through this account, FHA can directly pay the property taxes and insurance which your home requires.
  • Once you have reached the recording phase. you are in the final step! Your documents will be signed and notarized, and sent to your future county to become public record.


How do I defer a car loan? #boat #loans #calculator


#car loan payment
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How do I defer a car loan?

There are a few steps that borrowers must follow in order to defer payments on their car loans.

Deferments allow borrowers to hold off on payments for a temporary period of time without facing penalties such as costly fees. Car loan deferments can be especially useful for borrowers that need to prioritize their money for another payment.

Lenders are accustomed to receiving calls and inquiries about deferment options in light of the financial challenges that many Americans face. News concerning car loans already mentions how pressured cash-strapped borrowers feel, so it is not uncommon for lenders to be asked about deferment options amid the difficult economy.

Step One

First, borrowers should contact their lender. Car loan lenders are a diverse bunch ranging from auto dealership financers to banks and credit unions. As a result, they will each have different deferment qualifications. Some may even require proof that the borrower is in a desperate financial situation, which warrants the need to defer payment. Many lenders stipulate that borrowers must have made a set number of payments already—in effect proving with past payments that the borrower is earnestly trying to repay their debt.

Borrowers need to explain their financial situation to their lender. This can be a sensitive subject for some, but being upfront and truthful with a lender can help prove how necessary a deferment is to a borrower’s financial stability. While lending is a business, lenders are people too.

Additionally, they want the most money they can get. If that means waiting a few months while a borrow finds his or her footing again, many will be more than accommodating.

Step Two

If borrowers are approved for a deferment then they must sign and complete the necessary forms. Making a mistake at this point of the process could cause a delay in the deferment approval, or, worse, it could result in rejection.

Keep in mind, a processing fee is sometimes required. Many lenders will check the credit score of a deferment applicant just to make sure the applicant truly is in dire financial straits.

Step Three

Once borrowers are approved for their deferment, they must do all in their power to use this time wisely and prepare themselves for the eventual return of a regular payment schedule.

If a deferment period does not help a borrower very much, then speaking with a lender about lowering monthly payments should be pursued. Defaulting after a deferment will likely prompt a car loan lender to repossess the vehicle.



What Do I Do When the Bank Says I Need a Cosigner? #refinance #loan


#i need a loan
#

The Bank Says I Need a Cosigner

By Justin Pritchard. Banking/Loans Expert

Justin Pritchard helps consumers navigate the world of banking.

Question: I’m applying for a loan but my credit is not great. The bank tells me I need a cosigner. What do I do?

Answer: There are two ways you can approach this: find a cosigner, or work on getting a loan on your own — without any cosigner.

The lender needs a cosigner with good credit and adequate income to apply with you. If you can’t find a cosigner that meets their needs, you’ll have to go it alone.

  • How Cosigning Works
  • Credit Score Basics

The best places to look when you need a cosigner are family and friends. Is anybody willing to help you qualify for the loan? In addition to being nice, you’ll need a cosigner on solid financial ground. As you consider potential cosigners, remember that they’ll become responsible for your loan if something happens to you.

The bank can make them repay your debt, so you need a cosigner who can handle that risk and who understands it.

Don’t be surprised if you have a hard time finding a cosigner. They take on 100% of the risk for your loan and not everybody can afford to take that risk. They may like you and believe you can repay, but they can’t predict the future — and any number of surprises can take away your ability to repay.

Go it Alone

If you can’t find the cosigner you need, you may not be helpless. Work on building credit. and search for ways to qualify for a loan.



What Do You Need to Get a Personal Loan? #short #term #loan


#need a loan
#

What Do You Need to Get a Personal Loan?

Banks aren’t the only place where you can get a personal loan.

Good Credit

In almost every case, you will need good credit to get a personal loan. Whether you choose to go through a bank or a peer-to-peer lending network, having good credit is the only way a lender can determine whether or not you will pay back the loan. Those with poor credit histories have not proven that they can or are willing to pay money back on time, or at all.

Collateral

Collateral is often required in order to secure a personal loan. Collateral is something you own that has value that, essentially, a lender can take and sell if you can’t pay back the loan. Certificates of deposit, real estate, savings accounts, stocks, jewelry and other items are often used to secure a cash loan. In the case of someone looking to improve or clear up credit issues, often a bank will allow the applicant to put money in a savings account and then give a loan for an amount equal to or less than the amount in the savings account. The bank then automatically deducts payments, and the loan is listed as being paid on time on a credit report.

Proof of Income

When applying for a loan, whether secured or unsecured, the lender will need to see how much money you make. This helps the lender determine if the amount you requested for the loan is a reasonable amount to expect you to be able to pay back each month. You will need to provide your lender with several paycheck stubs, and possibly an income tax return. In some cases, the lender may call your Human Resources Department at your job to verify you work there. If you are self-employed, you may have to supply proof of your income.

Additional Information

You will also need to provide your lender with proof of your residence and proof of your age. No one under the age of 18 will be allowed to borrow money, except from family and friends. You will likely also need to provide your bank account information.



What to do when applying for Business Finance #money #loans #online


#how to get a business loan
#

Apply for finance

Before you approach a lender, broker or investor, make sure both you and your business are in the best position to seek finance. Below are things to consider before you apply to help you be more successful in your application.

Prepare your plan

Your business plan and its attachments should be well researched and concise, and need to include enough detail to motivate a lender or investor to finance your business. See our Prepare or update your business plan page for tips on preparing your plan.

It’s important to know your key financial figures even if you don’t prepare your own financial statements. These figures include your current income, net profit, expenditure and future projections. If you aren’t confident answering financial questions, its best to either practice answering these questions beforehand or bring along a business advisor or accountant who can help you answer them.

Know your limitations

Once you know what you want, you need to work out your limitations for finance and your ability to repay any money you borrow. Some questions to ask yourself about your financial situation

  • Do you need the money up-front or on a needs basis?
  • What is the maximum repayment you can afford?
  • What is your Loan to Value Ratio (LVR)?
  • If you need collateral, what assets do you have to offer?
  • If you need a guarantor, who will be willing to guarantee your loan?
  • How much equity do you have?
  • What is the maximum percentage share of your business you are willing to offer investors?

Shop around

Its best to shop around and find out what products are on offer when seeking finance from lenders. Although there can be discounts for existing customers, you may find a cheaper option with more flexible terms elsewhere.

Dress to impress

A professional first impression sets the tone and shows you mean business. The way you represent yourself and present your business plan can both help impress lenders and investors.

Practice

It’s best to practice your presentation before you attend your interview with a lender or investor. This will help you appear more efficient, alert and confident. Be concise and specific when practicing your answers and deliver them in a professional and persuasive manner. You can role play an interview with a business advisor or accountant to build your confidence in answering the hard questions.

Come prepared

Before your initial consultation, speak to your lender, broker or investor and find out what information you need to bring. Some of the required information includes your business plan, key financial statements for the last three years (if available), financial forecasts, ratio calculations and personal financial information for each business owner.

Check the finance details carefully

If you find a much cheaper finance option that sounds too good to be true, find out why it’s cheaper. Are the fees higher? Does the interest rate change at any point? Is it from a reputable finance provider? What happens if your LVR gets too high? It’s also a good idea to run your options past a business advisor or accountant before signing anything.

Managing refusal of finance

Seeking business finance may not always lead to successfully applying and obtaining the finance. Read Manage loan refusal for ways of seeking feedback, making changes and potentially overcoming this refusal in the future.



What to Do About Auto Loans for People with Very Bad Credit #installment #loan


#bad credit car loans
#

Do Car Loans for Very Bad Credit Scores Exist?

While a payday loan may seem like a good way to get cash when you need it to buy a car, there are better alternatives out there, even when you need very bad credit financing. One of these alternatives is car loans for people with bad credit from AutoNet Financial.

They are meant to appeal to people who need cash quickly and have no other way to get it. In order to qualify for this type of loan, you need a job and some type of income verification (your employer can’t be paying you under the table with cash. Typical loan amounts range from $100 to $2500, while the duration of the loan is usually 2 weeks. Interest rates are loosely regulated by the states for these amounts and average 25% per month (unlike a very bad credit car loan. payday loan interest is computed monthly, not yearly).

In addition to interest charges, the loan company usually assesses an origination fee. Many of the storefront locations these companies operate out of also offer check cashing services, pawn loans and car title loans.

Real Bad Credit Car Loans – Why They’re Better

Here is a typical payday loan scenario when you need a car loan. Let’s say you take out a $2500 payday loan to buy a car instead of choosing car loans for people with very low credit. You give the auto loan company your employment information and a copy of your last pay stub. You pay them the $15 origination fee and sign a document that says you will pay them $625 in interest (25% per month) plus the $2500 in principal in 2 weeks. If you don’t have the entire amount in 2 weeks, the loan company will allow you to roll over the loan for another 2 weeks, provided you pay them the interest amount. Most states will allow this type of rollover to occur at least four times.

What is the true cost to borrow this money? Well, let’s take a look. If you ended up rolling over the loan four times, for a total of 2 and a half months, it would look like this:

  1. $15.00 in origination fee plus
  2. $2500.00 in interest charges

This amounts to a total of $2515.00 in interest and charges to borrow $2500.00. This equates to an annual interest rate of over 100%. One other thing: if you don’t pay the principal back, the loan company can garnish your wages – which can be quite embarrassing, to say the least.

Very Poor Credit Auto Financing

A better alternative to payday loans are very bad credit car loans from buy here pay here dealerships. These loans feature:

  • At least a 36 month repayment term, repayable in installments;
  • No personal check mechanism or other unfair collateral. Your car is the collateral.
  • Full consideration of the borrower’s ability to repay the loan – the lender reviews your poor credit history for car loans and bases the loan amount on your ability to repay the loan

If you are considering a payday loan, you should also remember that they do little to help you get back on your feet – much less reestablish your credit history and raise your FICO score.

If you are not planning on buying a car with a payday loan and, instead, use it to pay off bills, you should know that a better alternative to payday lending is for you to deal directly with your debt. Many creditors will negotiate partial payments if a payment plan is in place. Working out a payment plan with creditors can allow the consumer to adjust billing to pay off bills over a longer period of time.

Some employers will allow paycheck advances to employees. Because this is a true advance, and not a loan, there is no interest and the advance is much cheaper than a payday loan.

Payday loans are a type of lending that is considered predatory and should be avoided by consumers at all costs. If you have had poor credit in the past and you need to reestablish your car credit and raise your credit score, you should consider car loans for people with low credit.

We have 20 years of practice in special finance and work directly with special finance car dealers and the leading automotive financing lenders throughout all of North America. The knowledge and expertise we have gained through years of bad credit car loan financing for people enables us to give you the best assistance possible for your personal situation.



MSN Reports That Low Credit Scores Do Not Prevent Acquiring Personal Loans Online #bad #credit #cards


#online loans no credit check
#

Unsecured personal loans online are now available through http://personalloansonlinekamata.com/’s new marketing initiative. As reported by MSN, consumers with bad credit or low credit scores can apply for personal loans online.

(PRWEB) August 04, 2012

Even with bad credit personal loans online provides quick access to credit. Many military families are excluded from gaining access to these loans in certain states. No credit check personal loans online can change their situation. These consumers now have the flexibility to arrange their financial affairs with the leverage of a short-term loan.

Online unsecured personal loans typically have very short applications, and the verification process is quick. Online personal loans instant approval simplifies everything. The documentation required is minimal, and this feature is a direct consequence of customer feedback. It is their satisfaction and approval rates that drive this industry.

Filling out an application for personal installment loans online is easy. Customers do not need to provide the same amount of information typically requested by a banking institution. No collateral is required, and FICO credit scores are not used to determine if a customer is willing to repay their loan. This flexibility enables rapid approval even for consumers who have been turned down for loans at other facilities. In fact, it is this financing gap that drives the growth of the online lending industry.

On the application form for online personal loans no credit check is required. The processing time is rapid, and many applications clear within an hour. Even difficult applications are usually approved within 24 hours. The online application system expedites the processing time that would otherwise occur, and this leaves customers more time to complete their arrangements. Borrowers can now meet their most pressing financial obligations with confidence and security.

Guaranteed online personal loans appeal to a wide consumer base. Almost anyone can get cash for unexpected expenses. There are no restrictions imposed on the loan, and there are no purchasing limitations. This enables borrowers to overcome serious financial obstacles. The customer’s highest financial priorities can now be addressed in a timely fashion. Consumers get to use their own discretion whether they are paying for food, gas, electricity or consolidating credit cards. When the social safety net fails, online lending makes cash readily available. The online approval process expedites every loan application received.

Online transactions have increased in recent years. With the development of recent security technologies, new safety measures have been introduced into the online lending system. They provide the highest level of encryption, and customers can now enjoy a secure and safe online environment. Every aspect of the computerized system is designed to protect and secure customer data and records.

The best online personal loans encourage the borrower to make an informed decision. Relevant terms and conditions of the agreement should be disclosed in the clearest argot possible. Accurate information enables most consumers to select an appropriate option. Every customer has a different motivation; however, everyone should have instant access to the convenience of fast personal loans online.

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How do used car loans work? carloan banks usedcars #credit #loans


#used car loans
#

How do used car loans work?

I have some general questions about financing a used car

My current car, a 1995 Volvo 850 with around 200,000 miles, has been giving me some trouble. First, the A/C died, which for someone who likes to keep their surroundings as cold as possible is pretty annoying. It sounds like that may simply be a relay that needs to be replaced. Second, there was a good amount of white smoking blowing out of my tailpipe this afternoon. I’m worried that it may be a headgasket or a gasket on my turbo. I’m going to see the mechanic tomorrow morning.

Assuming that repairing my 15-year-old car will cost me many hundreds if not thousands of dollars, I’ve been looking into getting a replacement. I’ve tried my best to research various used car loans online. I’ve got $2000-$2500 to use a down payment. Ideally I’d replace this car with the same exact model, only with less miles. I love my Volvo.

It seems like many lenders limit the model year they will loan money for to newer (within the last 5 or so years) models. Is this true of most lenders? Will it be tough to get a $3000-$5000 loan for a late 90s model?

If I do get a loan, am I free to purchase the car wherever I want? Private seller? Dealership? Used car lot? How does this work? Does the bank give me a blank check with the stipulation that I can only spend up to $xxxx? Do I need to tell the seller/dealership to contact my lender to receive the money?

I currently do the majority of my banking online with ING Direct. They do not offer car loans. There are several banks near me, including PNC and my employers credit union. Generally, do you need to have an account at the bank to get a loan from them?

This is a tough situation for me, as I recently graduated from college and moved away from home. I don’t have any friends who can give me rides or help me look for a car. I’d like to be prepared if I need to start the process of finding a loan and then purchasing a car.

I bank at a local credit union in the metro NY area (and have commented about using credit unions here in the past ) and recommend that route.

My credit union will only give car loans for cars 10 years or younger. Why? Because the car is collateral in case you don’t pay back the loan. If the car stop working and you cannot afford to fix it, the credit union doesn’t want to repo a busted car.

Want a car loan? Need an account. The minimum for a savings account there is $5. Get pre-approved for the loan in the amount so you know that you’ll be able to finance it when you start shopping around. You’ll have to use a bank if you buy from an individual. If you buy from a business, they will attempt to loan you the money as well. There’s tons written about financing cars at dealerships and car negotiating for you to read. Commonly, it is recommended that you do not walk in and announce that you’ve been pre-approved elsewhere or for what amount.

Huh. I was not previously aware of the limitation on model years for car loans.

Well, the issue with car loans is that they will take a security interest in your car, so the car is collateral on the loan and therefore the lender has to care about the quality/upkeep of the car (FYI, there is typically a minimum amount of comprehensive and/or collision insurance coverage required when you take out an auto loan).

One potential alternative is a line of credit or personal loan. Discover has such a product, though I’m sure there are other, similar alternatives, possibly even one at your local credit union. This is different from a credit card in that 1) the interest rate tends to be lower, and 2) the monthly payment and payment term are fixed. For a small amount such as you are planning to borrow ($3-5K), it may be entirely feasible to get a personal loan.

The upside is that they do not care at all what you spend it on, or require any particular level of insurance on your car. The downside is that the interest rate may be a couple points worse than that of a car loan, and your repayment term may well be shorter (24-36 months is common), so the monthly payments will be higher.

posted by rkent at 8:00 PM on May 25, 2010

What the others said reflects my experience too, but I will add one bit of advice.

Last time I bought a car, I arranged for financing ahead of time with my credit union. I qualified for their very best rate, which turned out to be the lowest rate among about 10 banks and credit unions I checked. I wound up buying a very slightly used car from a dealer and the manufacturer had incentive financing which was about one percent lower than that. The finance guy at the dealership somehow wound up finding financing through the dealer services department at a major national bank which was even 1% lower than the manufacturer’s deal.

The point is that you should come prepared with your own financing in place, but be open to the possibility of a better deal. Also be aware that some dealers try to simulate a better deal by giving you a lower rate but a higher overall price. For that reason, you should negotiate on the price and all other details before you even begin talking to the dealer about financing. You should also make it clear that you’re totally indifferent about the car and prepared to walk at the first sign of nonsense.



How Do I Apply for a Home Equity Line of Credit With Bad Credit? #ez #loans


#loan for people with bad credit
#

How Do I Apply for a Home Equity Line of Credit With Bad Credit?

by Lynn Burbeck

Home equity lines of credit can help homeowners with bad credit.

Obtain a copy of your credit report to determine precisely how bad your credit score is. Reviewing your credit report will also give you an opportunity to look for inaccuracies which may be hurting your credit score. Inaccurate information can be petitioned by contacting the creditor directly or having the individual credit bureaus contact the creditors for you. Everyone is entitled to one free credit report every year from each of the three credit reporting agencies: Experian, TransUnion and Equifax.

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  • How much do Credit Collection Agencies actually buy debts for? # #how #much #do #credit #collection #agencies #actually #buy #debts #for?, #vbulletin,forum,bbs,discussion,jelsoft,bulletin #board,money #saving,martin #lewis,shopping,save #money,insurance,holiday,flight,credit #cards, #loans, #competitions


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    Welcome to the MSE Forums

    Forum Social Team

    How much do Credit Collection Agencies actually buy debts for? 17th Mar 08 at 2:00 PM

    I’m sure this question has been asked a lot but I’m new on the board and can’t find any info on it.

    Does anyone know what persentage of the original amount credit collection agencies usually pay when they buy your debt? I believe in the U.S. it’s as little as between 1% and 5%.

    This info would be really useful when considering what is feasable to offer in full and final settlement.

    Glad you like it!

    I would start with a 30 offer.

    I had a 1200 debt with Citicards many, many years ago. It was sold on to 1sr Credit and I made a F+F settlement payment of around 400 (can’t remember the exact amount) to the DCA.

    anyway, roll on 3 years or so and I decided to claim back the charges. It was less than 200 all in but citicards are very dogged in this area and fight everyone individually – the only people who are it seems. Anyway, I had to go to court 3 times and on the second time it was revealed the DCA had paid 180 for the 1200 debt.

    Of course, now I’d go down the CCA route, but it wasn’t something I knew about back then.

    And yes, I got the charges back – eventually – the judge got so. ed off with them, he struck out their defence and made them pay the money into court. The court then passed it to me

    Last edited by Burlesque Babe; 21-03-2008 at 2:17 PM.

    Become Mrs Pepe 9 October 2012

    Glad you like it!

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    I have seen mentioned on another forum that its between 10 and 30 , depending on the age of the debt, amount, the risk and whether its statute barred. People like Lowells tend to buy statute barred quite cheaply from what I can gather. The above figure seems to come from people who say they are working within DCA industry. Not sure how reliable the info is, or if its any help!

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    If they don,t have a CCA. DO NOT PAY ONE PENNY.

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    Social Engineering – Is It Ethical? #do #the #right #thing,ethical,ethical #and #moral #compass,ethics,grey #area,manipulation,social #engineering,body #language,hypnosis,influence,magic,mentalism,misdirection,nlp,subliminal #hacking


    #

    Social Engineering Is It Ethical??

    When I speak to people (non Infosec passionate types) about the work and research I do around the content I post on Head Hacker, I normally get a few responses. Shock, Disgust and Intrigue. People are shocked because they are not aware of some of these skills and process, they are disgusted because it’s not right, it’s not ethical, and a breach of human rights, and then we have the intrigue as I start to really explain what it’s all about, and what I am doing. People are curious of how this knowledge can help and protect them.

    So this got me thinking, perhaps I should write a post on why I think people think social engineering is unethical, and why I consider the majority to be ethical, I do think in some circumstances there is a grey area. I have asked quite a few people about their ethical standpoint when it comes to social engineering, as I have on a couple of occasions had semi heated discussions with organisations about techniques that can and can’t be used on an engagement. I personally find most professionals ethical in their approach, but some comments from some do make me shudder. I am confident in the fact that I only operate in areas where I feel comfortable that I will be operating in an ethical manner, other areas I have not quite figured out continue to be researched and debated both internally and externally.

    In the research I have done on ethics of social engineering, I have really not found there to be anything about, perhaps people don’t care? I think it is a real issue that all professionals should consider, and take time to reflect upon.

    Why people think Social Engineering is unethical .

    In my experience most people say social engineering is unethical because you are tricking, or conning someone, stealing data about them, using the information to access sensitive information, get free stuff, gain entry and generally manipulate people to do things, or disclose information. I totally understand this thought process, and in a way I think they are correct, there are people out there doing this, and they are both good and very effective with the skills they have, they have become life time criminals.

    The key issue here is the perception and it’s a negative one. Not everyone uses their knowledge and skills for breaking the law, they use their skills and knowledge to better the populous, inform and educate to make people less likely to become a victim. The truth of the matter is, you don t really stand a chance of beating the bad guys unless you are exposing yourself to the same skills, tools and environments.

    In an effort to draw an example, medicine can be used to cure and relieve pain in the right hands. The same medicine in the wrong hands and with the wrong intent can be used to inflict pain, and even kill. Knowledge, process, tools, etc can all be used for positive and negative, it’s the individual who is responsible for the actions and result.

    Why and how I think Social Engineering can be ethical .

    The first reason I think social engineering is ethical is due to the intent. Now I am not saying that the outcome of the exercise may enable someone to do something malicious, but I don t think this is a justifiable reason not to gain knowledge, research, test and experiment. If we never did this, the human race wouldn t evolve. So I feel that any social engineering engagement or activity I undertake or become involved in is for a positive outcome and where appropriate I always seek permission at a high level, and understand any specific areas that are no go, as well as using my own common sense and experiences to guide me. People intentionally manipulate people every day; we have all been doing this since birth. We all have different reasons for manipulation; perhaps we feel it would be best for the person, or best for us. When we negotiate to get a reduction on an item we are buying, this is a form of manipulation, but as we feel we are not harming anyone, it’s considered ethically and morally ok.

    So I feel that if you are researching, carrying out SE with permission, and using the information to benefit people, and educate and bring awareness it can be ethical, and this is certainly how I believe I go about things.

    So there are some grey areas. Can an organisation give you permission to manipulate and extract information from the staff they employ? Should people who are subject to social engineering activities be punished for being the weak link in the chain? If you gain generic permission, let’s say to hypnotise, then you use this permission to extract sensitive data, is that ok? I am sure we can all think of many more situations that are not so clear.

    To be honest, when it comes to these grey areas I am not sure on all the answers. However I try to limit these grey areas by defining up front in an appropriate level of detail what could happen as part of the assessment, types of scenarios and ways to extract data, and that individuals will not be named in reports. Obviously the company may use other techniques to help identify how this information was gained, but that is outside my scope of responsibility. So to that end I would say that I am operating in an ethical manner, and so would anyone else that has considered the above issues. When in doubt don’t do it, if your internal ethical and moral compass is unable to guide you, get additional information and input from others who are in an informed and experienced position.

    I certainly don t think the grey areas are reasons not to carry out social engineering engagements, the criminals are not concerned about ethics, and to test we need to adopt this mindset to a certain degree. It is also important to share our thoughts and research, and we have to let the individuals dig further and use this information as they feel is most appropriate.

    So to conclude, if you are interested in social engineering, and you want to work with, investigate and research the skills associated, do so in a professional and ethical manner, be mindful of what you’re planning, put yourself in the subject’s position, how would you feel if someone did to you, what you are planning on doing to them. If you’re happy, then its most like a good sign you will be operating in an ethical manner.

    No one has all the answers, but it’s a conversation worth having, and to continually question is a good thing. I hope people reading this will want to share their thoughts and experiences, so I welcome and look forward to reading your comments.

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    Pain Clinics: What to Expect and How to Find One #pain #clinic, #pain #management #clinic, #how #to #find #a #pain #clinic, #doctor, #doctors, #what #does #a #pain #clinic #do, #pain #treatment, #pain #relief, #pain #doctor, #pain #clinic #doctor, #relaxation, #biofeedback, #corticosteroids, #non-aspirin #pain #relievers, #nsaids, #electrical #stimulation, #tens, #pain #implants


    #

    Pain Clinics Overview

    If you are among the 50 million Americans living with chronic pain. a full and active life may seem like an impossible dream. But don’t give up. If the pain treatment you have tried doesn’t provide relief, a pain clinic may help.

    A pain clinic is a health care facility that focuses on the diagnosis and management of chronic pain. Some specialize in specific diagnoses or in pain related to a specific region of the body. Also called pain management clinics, pain clinics often use a multidisciplinary approach to help people take an active role in managing their pain and regaining control of their life. These programs are focused on the total person, not just the pain.

    What Does a Pain Clinic Do?

    Although pain clinics differ in their focus and offerings, most involve a team of health care providers that can help you with a variety of strategies to manage your pain.

    These health care providers are likely to include doctors of different specialties as well as non-physician providers specializing in the diagnosis and management of chronic pain. These providers may include psychologists, physical therapists, and complementary and alternative therapists such as acupuncturists or massage therapists. Together, they will put together a pain management plan for you.

    Strategies for Pain Relief and Management

    At a pain clinic, your therapy plan will be tailored to your specific needs, circumstances, and preferences. Depending on the cause of your pain, treatments may include one or more of the following:

    Medications . In many cases, patients are prescribed treatment before receiving other forms of therapy. Medications for pain may include:

    • Non-aspirin pain relievers. These drugs, such as acetaminophen (Tylenol ), relieve minor pain and are sometimes combined with other drugs to provide greater pain relief.
    • Nonsteroidal anti-inflammatory drugs (NSAIDs ). Available over the counter or by prescription, these drugs — including ibuprofen (Motrin ) or naproxen (Aleve. Naprosyn ) — are used to treat pain and inflammation .
    • Corticosteroids. Available only by a prescription, these cortisone -like drugs are used for more severe inflammatory conditions.
    • Opioid pain medications. These morphine -like drugs are often prescribed short term for acute pain or for cancer pain. Occasionally, doctors prescribe them for chronic, non-cancer pain.
    • Antidepressants . Originally designed to treat depression. these drugs can be useful for relieving certain types of pain. Antidepressants may also promote sleep. which can be difficult when you are in pain.

    Continued

    Often, medications alone aren’t enough to treat chronic pain. Other treatments may be more effective than medications, and medication may be more effective when combined with other treatments. Other available treatments offered by pain centers may include:

    Injections. Local anesthetics, sometimes combined with a corticosteroid, may be injected around nerve roots or into muscles and joints to relieve irritation, swelling, and muscle spasms .

    Nerve blocks. If a group of nerves, called a ganglion or plexus, causes pain to a specific organ or body region, injections with local anesthetics may be useful for blocking the pain in that area.

    Physical and aquatic therapy. A physiatrist (doctor specializing in rehabilitation medicine) or physical therapist may prescribe a specially tailored exercise program to increase function and decrease pain. Other physical therapy options at pain clinics may include whirlpool therapy, ultrasound. and deep-muscle massage.

    Electrical stimulation. The most common form of electrical stimulation used in pain management is transcutaneous electrical nerve stimulation (TENS), a technique that uses a small, battery-operated device to stimulate nerve fibers through the skin. Other implants for pain control use medicine, heat or chemicals.

    Acupuncture . This ancient Chinese practice involves inserting very thin needles at specific points on the skin to relieve pain.

    Psychological support and counseling. Although pain is a physical sensation, many people in pain suffer emotionally with feelings of anger, sadness, and hopelessness. Dealing with unrelenting pain can affect your ability to hold a job, maintain a home, meet family obligations, and relate to friends and family members. Psychological support, along with medical treatment, can help you manage your condition.

    Relaxation techniques. In addition to counseling, mental health professionals can teach you self-help techniques such as relaxation training or biofeedback to reduce stress and relieve pain.

    Surgery. Although sometimes surgery is clearly necessary to relieve a problem that is causing pain, it is often a treatment of last resort. If pain has not responded to any other treatment, surgery on certain nerves may offer relief and allow you to resume normal activities.

    Continued

    How to Find a Good Pain Clinic

    If you decide you want to try a pain clinic, your doctor should be able to refer you to one that offers services to help your specific pain problem. If your doctor cannot help you, try the following:

    Your local hospital. Ask your local hospital or medical center if they have or are affiliated with a pain treatment center. If the hospital does not have one, ask to speak with their department of anesthesiology, which may have doctors on staff who can refer you to a different hospital.

    Medical school. Contact your nearest medical school, which is probably affiliated with a private or state university.

    Organizations. Organizations that support pain research and/or advocate for pain patients may be able to help. One to try: the American Society of Anesthesiologists (ASA).

    Because there are many forms of pain treatment and not all centers offer the same services, it’s important to do your homework before you consent to treatment. Find out what types of pain therapies are offered, what the specialists’ credentials are, and if they have successfully helped others with your type of pain.

    When checking out a pain clinic, schedule an appointment to meet with the team. If you feel comfortable with them, it will be much easier for you to make progress. Asking yourself the following questions can also help you determine if a pain clinic is right for you.

    • Does the staff treat me with compassion and respect?
    • Does the clinic share my beliefs and goals for treatment?
    • Does it develop treatment plans based on individual needs?
    • Does it involve me in designing treatment?
    • Does it involve my family in treatment goals?
    • Will my health care team communicate frequently with one another?
    • Will my health care team communicate frequently and effectively with me, my family, and my primary physician?
    • Does the clinic monitor my progress?
    • Does the clinic have formal follow-up with patients?

    WebMD Medical Reference Reviewed by William Blahd, MD on September 04, 2016

    Sources

    Scripps Health: “Pain Management.”

    International Association for the Study of Pain: “Desirable Characteristics for Pain Treatment Facilities.”

    American Chronic Pain Association: “Managing Chronic Pain.”

    American Society of Anesthesiologists: “The Management of Acute, Chronic and Cancer Pain.”

    © 2016 WebMD, LLC. All rights reserved.



    Appendicitis Symptoms, Causes, Surgery, and Recovery #appendicitis,appendix, #appendectomy, #symptoms #of #appendicitis, #do #we #need #the #appendix, #surgery #for #appendicitis, #stomach #pain, #abcess, #appendix #removal, #cause, #symptom, #treatment, #surgery, #rupture #of #appendix, #can #appendicitis #be #prevented


    #

    Appendicitis

    Appendicitis is an inflammation of the appendix. a 3 1/2-inch-long tube of tissue that extends from the large intestine. One study suggests that the appendix may have some role in gut immunity, but nothing is definite. One thing we do know: We can live without it, without apparent consequences.

    Appendicitis is a medical emergency that almost always requires prompt surgery to remove the appendix. Left untreated, an inflamed appendix will eventually burst, or perforate, spilling infectious materials into the abdominal cavity. This can lead to peritonitis. a serious inflammation of the abdominal cavity’s lining (the peritoneum) that can be fatal unless it is treated quickly with strong antibiotics .

    Sometimes a pus-filled abscess (infection that is walled off from the rest of the body) forms outside the inflamed appendix. Scar tissue then “walls off” the appendix from the rest of the abdomen. preventing infection from spreading. An abscessed appendix can perforate or explode and cause peritonitis. For this reason, almost all cases of appendicitis are treated as emergencies, requiring surgery.

    In the U.S. one in 20 people will get appendicitis. Although it can strike at any age, appendicitis is rare under age 2 and most common between ages 10 and 30.

    What Causes Appendicitis?

    Appendicitis occurs when the appendix becomes blocked, often by stool, a foreign body, or cancer. Blockage may also occur from infection, since the appendix can swell in response to any infection in the body.

    What Are the Symptoms of Appendicitis?

    The classic symptoms of appendicitis include:

    • Dull pain near the navel or the upper abdomen that becomes sharp as it moves to the lower right abdomen. This is usually the first sign.
    • Loss of appetite
    • Nausea and/or vomiting soon after abdominal pain begins
    • Abdominal swelling
    • Fever of 99-102 degrees Fahrenheit
    • Inability to pass gas

    Almost half the time, other symptoms of appendicitis appear, including:

    • Dull or sharp pain anywhere in the upper or lower abdomen, back, or rectum
    • Painful urination and difficulty passing urine
    • Vomiting that precedes the abdominal pain
    • Severe cramps
    • Constipation or diarrhea with gas

    If you have any of the mentioned symptoms, seek medical attention immediately, because timely diagnosis and treatment is very important. Do not eat, drink, or use any pain remedies, antacids, laxatives, or heating pads, which can cause an inflamed appendix to rupture.

    Continued

    How Is Appendicitis Diagnosed?

    Diagnosing appendicitis can be tricky. Symptoms of appendicitis are frequently vague or extremely similar to other ailments, including gallbladder problems. bladder or urinary tract infection. Crohn’s disease. gastritis. intestinal infection, and ovary problems.

    The following tests are usually used to help make the diagnosis:

    How Is Appendicitis Treated?

    Surgery to remove the appendix, which is called an appendectomy. is the standard treatment for almost all cases of appendicitis.

    Generally, if appendicitis is suspected, doctors tend to err on the side of safety and quickly remove the appendix to avoid its rupture. If the appendix has formed an abscess, you may have two procedures: one to drain the abscess of pus and fluid, and a later one to remove the appendix. However, there is some research showing that treatment of acute appendicitis with antibiotics may eliminate the need for surgery in certain cases.

    Appendectomy: What to Expect

    Antibiotics are given before an appendectomy to fight possible peritonitis. General anesthesia is usually given, and the appendix is removed through a 4-inch incision or by laparoscopy. If you have peritonitis, the abdomen is also irrigated and drained of pus.

    Within 12 hours of surgery you may get up and move around. You can usually return to normal activities in two to three weeks. If surgery is done with a laparoscope (a thin telescope-like instrument for viewing inside the abdomen), the incision is smaller and recovery is faster.

    After an appendectomy, call your doctor if you have:

    • Uncontrolled vomiting
    • Increased pain in your abdomen
    • Dizziness /feelings of faintness
    • Blood in your vomit or urine
    • Increased pain and redness in your incision
    • Fever
    • Pus in the wound

    Can Appendicitis Be Prevented?

    There is no way to prevent appendicitis. However, appendicitis may be less common in people who eat foods high in fiber, such as fresh fruits and vegetables .

    WebMD Medical Reference Reviewed by Carol DerSarkissian on January 26, 2017

    Sources

    Di Saverio, S. Ann Surg.. July 2014.

    National Digestive Diseases Information Clearinghouse.

    National institute of Diabetes and Digestive and Kidney Diseases.

    University of Maryland Medical Center: “Appendicitis.”

    UpToDate: “Management of acute appendicitis in adults.”

    © 2017 WebMD, LLC. All rights reserved.



    News – Engineers Geoscientists Manitoba #what #do #sound #engineers #do


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    ENGAP students win Manitoba Aboriginal Youth Achievement Awards

    The Faculty of Engineering’s Access Program (ENGAP) is thrilled to announce that Kyle Monkman, a 23 year old Metis engineering student has won the Manitoba Aboriginal Youth Achievement Award (MAYAA) for the Senior Academic category, and Emma Gillespie, a 17 year old Metis engineering student from Selkirk has won the MAYAA for the Junior Academic category.

    Province Announces Support For Unlocking The Toolkit Girls Forum Series

    The Manitoba government is partnering with school divisions and industry sectors to host a series of forums in Winnipeg, Beausejour and The Pas encouraging girls to consider careers in science, technology, engineering and math (STEM) and other non-traditional skilled trades, Sport, Culture and Heritage Minister Rochelle Squires, minister responsible for the status of women, announced on November 4.

    How an engineer heart patient invented the device that saved his own life

    Born with Marfan syndrome, a genetic disorder affecting the body’s connective tissue that can cause the aorta to stretch and rupture, Tal Goldsworthy, a British engineer, invented ExoVasc, a synthetic sleeve that reinforces the aortic artery, which has now been used in 81 patients in the UK and elsewhere.

    Ingenium Conference Another Success: Awards Presented, New President Sworn In

    Ingenium, the Association’s conference, was held October 25-28, 2016 at the Fort Garry Hotel. Themed on ‘Great Expectations’, the conference offered five different seminar tracks, giving attendees a wide variety of options and learning experiences.

    Digvir Jayas, P.Eng. FEC receives honorary degree

    Distinguished Professor Digvir S. Jayas has been recognized by Tamil Nadu Agricultural University in India. The university conferred a doctor of science degree on Jayas at its 37th Convocation on Oct. 15.

    Criminal record check process changes

    The Royal Canadian Mounted Police (RCMP) — who handle the criminal record checks of federal government contractors — is retiring name-based record checks in favour of mandatory electronic fingerprinting. This means that contractors working in construction or real property activities in the federal government will have to be fingerprinted as part of the security screening process.

    First public review on proposed changes to the 2015 editions of Codes Canada

    The Canadian Commission on Building and Fire Codes (CCBFC) would like to invite professional engineers — as important stakeholders in the development of the national model codes — to take part in the fall 2016 public review of proposed changes to the 2015 editions of Codes Canada publications.

    Did you know? – Council has a policy for careful spending and saving



    What Can I Do with an Interdisciplinary Bachelors Degree, what to do with a humanities degree.#What #to #do #with #a #humanities #degree


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    What Can I Do with an Interdisciplinary Bachelors Degree?

    Graduates of interdisciplinary studies programs may embark on a variety of career opportunities. Some students enroll in undergraduate interdisciplinary programs strictly for educational purposes, while others seek to advance or change careers. Schools may offer interdisciplinary studies either as a standalone program or integrated into specific degree programs.

    Find schools that offer these popular programs

    • Anthropology
    • Archeology
    • Criminology and Criminalistics – General
    • Global Studies
    • Multidisciplinary or Interdisciplinary Studies, Other
    • Peace Studies
    • Physical Anthropology
    • Population Studies
    • Science, Technology, and Society, General
    • Sociology, General
    • Systems Science and Theory
    • Urban Studies
    • Work and Family Studies

    Career Options with an Interdisciplinary Bachelor’s Degree

    By nature, interdisciplinary degree programs cover many academic areas, providing students with solid academic foundations for multiple careers and various graduate programs. Popular career choices for programs with combined fields of study include business and teaching.

    Students interested in business careers may benefit from studies in international finance, psychology and management, for example. Studying business from a variety of academic angles may offer greater insight into areas like company growth management, employee relations and consumer trending. Working students can use their studies to further their careers or start their own businesses.

    Teachers at elementary and secondary schools, where only a bachelor’s degree may be required, can utilize their interdisciplinary knowledge to teach multiple subjects. The ability to instruct several types of classes may prove to be a valuable asset to a school and may lead to rewards like higher salary or tenure.

    Undergraduate Programs

    The phrase ‘interdisciplinary studies’ infers multiple subjects within a single program. Several colleges and universities offer bachelor’s degree programs in interdisciplinary studies, allowing students to fully customize courses based on their interests. Other schools formulate a varied curriculum for a specific degree program with particular career goals in mind.

    Adult learners make up the general population of students enrolled in interdisciplinary study programs. Many schools offer part-time attendance, flexible scheduling or distance learning options.

    Areas of Study

    Some academic combinations for interdisciplinary programs include the following:

    • Information technology, business and networking
    • Media, communications and film
    • Performance art, art theory and graphic design
    • Anthropology and physical science
    • Psychology, sociology and history
    • Business, international studies and finance
    • Cultural studies, political science and economics
    • Biomedical engineering, chemistry and technology
    • Social sciences, human services and developmental behavior
    • Religious studies, technology and science
    • Spanish, administration and HR management
    • Creative writing, marketing, physical science and math
    • Business management, entrepreneurship and HR management
    • Apparel design and construction and business management

    Curriculum

    As with most bachelor’s programs, a sufficient number of credit hours in general education must be included, though the majority of studies come from areas of interest to the student. While many programs consist of prearranged course offerings, students are often free to select from an assortment of humanities, arts, science and technology courses to satisfy the requirements of the degree program. Many interdisciplinary programs limit the number of courses one can take in an academic area, ensuring that students receive sufficient exposure to two or more fields of study.



    Common questions about Lumineers #do #dental #implants #last #forever


    #

    Common questions about Lumineers.

    Your answers for a beautiful smile and a beautiful you.

    What should you ask your dental professional?

    1. Experience: How many veneer cases has he/she placed in the last year? Ask to see some of his/her cases. Most dentists keep a case library.
    2. Materials: What type of veneer will be used for the procedure? Not all veneers are made the same. Lumineers are proven to be durable, lasting for decades with proper dental care.
    3. Lastly, find out the cost of Lumineers. Ask about financing options, and go from there.

    How are Lumineers different from traditional veneers?

    Lumineers are unique in that they are ultra-thin (approximately 0.2 mm) and highly translucent, allowing them to replicate the natural appearance of enamel. While traditional veneers are much thicker, requiring the grinding down of your original tooth structure, Lumineers are so thin that little to no tooth reduction is necessary. Additionally, the durability of Lumineers allows them to resist wear and remain resilient to last over 20 years.

    Is the Lumineers procedure painful?

    Rest assured, the Lumineers procedure is a completely pain-free way to reshape and permanently whiten your teeth. Because they are ultra-thin, in most cases you will get a perfect fit without shots or grinding down of the original tooth structure. Once the procedure is completed, there is no post placement discomfort or sensitivity, which means Lumineers will look natural and feel comfortable from the moment they are placed.

    Are there any other Lumineers?

    No. Lumineers are exclusive, one-of-a-kind products of the DenMat Lab at DenMat, one of the nation’s largest manufacturers of professional dental materials.

    I think I need braces, but I really don’t want to go through the inconvenient, unsightly, and time-intensive process. Can I get Lumineers instead?

    In most cases, yes! Your dentist will be able to evaluate your teeth and decide whether orthodontics is necessary. If you do not have a severe problem, Lumineers will reshape your teeth, making them look straighter and more uniform, as well as whiter, something you don t get with braces.

    “There are not many things that you can do in dentistry that can get these powerful results
    that quickly.”

    Dr. Peter Harnois,
    Chicago, IL

    How long will Lumineers last?

    Clinical testing has proven that a Lumineers smile lasts and looks great for over 20 years.

    How long does the procedure take?

    The Lumineers process takes only 2 visits to your dentist and the placement of Lumineers on the second visit takes, on average, only about one hour.

    What s involved with a Lumineers procedure?

    On the first visit, your dentist will create a precise mold. Then you and your dentist will determine the shade of white that is right for you. After your first visit, your dentist will send the mold off to the DenMat Lab for your custom Lumineers to be created. With Lumineers. you don t have to wear temporaries. When your dentist receives your custom Lumineers. they are checked for fit and shade. Then during your second visit, your Lumineers are painlessly applied without shots or drilling of sensitive tooth structure. And you re ready to start smiling out loud!

    With Lumineers, can I still chew gum and eat
    my favorite sticky foods?

    Drink and eat what you want with confidence because Lumineers are applied in the most durable way possible. However, Lumineers don t replace good hygiene, so you should continue to visit your dentist every 6 months for a check-up and cleaning to keep your Lumineers looking their best and the rest of your teeth and gums healthy.

    Can Lumineers be taken off if I want them removed?

    Yes, Lumineers are completely reversible because there s no grinding down of healthy tooth structure, in most cases. Your natural teeth are still intact and strong.

    How long have Lumineers been around?

    Lumineers have been improving smiles for over 30 years. More than 13,000 dentists nationwide recommend Lumineers, and over one million units have been placed. Many celebrities have transformed their smiles with Lumineers, but you d never know because they look so naturally beautiful.

    2017 Den-Mat Holdings, LLC. World Rights Reserved.
    *Tooth contouring may be necessary. Individual cases may vary. **Research available upon request.
    By submitting your email and Zip Code, you are giving DenMat and the participating dentist (if selected) permission to email you regarding Lumineers.
    You may opt out at any time. Participating dentists may pay a fee for Lumineers referrals and marketing.

    Find A Certified
    Lumineers Dentist



    How to Become a Social Worker #how #do #i #become #a #licensed #social #worker


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    How to Become a Social Worker

    Social workers make a positive difference in the lives of people facing day-to-day challenges. They help at-risk individuals, couples, families and groups access a variety of assistance programs, including income and employment support. Depending on the level of academic qualifications, social workers can find jobs in health care, child and family support or education.

    Acquiring the Knowldege

    Academic requirements for social workers vary with the field of specialty. Although the vast majority of social workers enter the profession through a bachelor’s degree in social work, sociology or psychology, clinical social workers require at least a master’s degree. Individuals with a bachelor’s in nursing or counseling can also pursue a master’s degree in social work to join the profession as health care social workers or mental health and substance abuse social workers, respectively. Importantly, all social work degrees must be accredited by the Council on Social Work Education.

    Mastering the Skills

    Beyond the education, social workers need excellent skills in analyzing, problem-solving, planning and communications to be well-rounded professionals. Their job involves assessing the needs of individuals and communities, identifying suitable remedial measures, advising clients on how to cope with various issues and sharing information with practitioners such as nurses and human services managers. Other essential competencies include empathy, compassion and the ability to address situations without being judgmental.

    Earning the License

    Social workers must be licensed or certified to practice in their state. Although requirements vary by state, prospective licensees generally need to be holders of an accredited bachelor’s degree in social work, pass a criminal background check and pass a written examination. Clinical social workers must have a master’s degree and at least two years’ of supervised experience. The National Association of Social Workers offers certifications in a range of fields, which social workers can obtain to enhance their chances of taking their careers to the next level.

    Landing the Job

    Qualified and licensed social workers can find jobs in hospitals, nursing and residential care facilities, schools, ambulatory health care services and grant-making organizations. With vast experience and advanced qualifications in public administration in social work, some workers become social service managers, while others take up policy-making positions in government agencies, such as the U.S. Department of Health and Human Services. With the Bureau of Labor Statistics projecting a 19 percent job growth for social workers from 2012 through 2012 — almost twice as much as the 11 percent average for all occupations — expect plenty of employment opportunities.



    Financing: Do you know who is offering stated income loans in Los Angeles, California? Trulia Voices #business #loans #calculator


    #stated income loans
    #

    Answers

    Jamie Lieb. Mortgage Broker Or Lender, Calabasas, CA

    You best bet is to go to http://www.StatedIncomeLender.info for your stated income loans. They have no doc loans for foreign nationals too. They loan all across California. You can call them at 310-737-8420

    We are originating Stated Income Verified Asset loans in Los Angeles County. We are originating Stated Income Verified Asset loans in San Fernando Valley. We are originating Stated Income Verified Asset loans in Orange County. We are originating Stated Income Verified Asset loans in Ventura County. We are originating Stated Income Verified Asset loans in Riverside County. We are originating Stated Income Verified Asset loans in San Bernardino County. We are originating Stated Income Verified Asset loans in San Fransisco-Bay Area. We are originating Stated Income Verified Asset loans in San Diego Area. We are originating Stated Income Verified Asset loans in Alameda county. We are originating Stated Income Verified Asset loans in Alpine County. We are originating Stated Income Verified Asset loans in Amador County. We are originating Stated Income Verified Asset loans in Butte County. We are originating Stated Income Verified Asset loans in Calaveras county. We are originating Stated Income Verified Asset loans in colusa county. We are originating Stated Income Verified Asset loans in contra Coasta county. We are originating Stated Income Verified Asset loans in del norte county. We are originating Stated Income Verified Asset loans in humboldt county. We are originating Stated Income Verified Asset loans in imperial County. We are originating Stated Income Verified Asset loans in Inyo County.

    Additionally we offer We are originating Stated Income Verified Asset loans in Kern County. We are originating Stated Income Verified Asset loans in Kings County. We are originating Stated Income Verified Asset loans in Lake County. We are originating Stated Income Verified Asset loans in Lassen County. We are originating Stated Income Verified Asset loans in Madera County. We are originating Stated Income Verified Asset loans in Marin County. We also are originating Stated Income Verified Asset loans in Mariposa County. We are originating Stated Income Verified Asset loans in Mendocino County. We are originating Stated Income Verified Asset loans in Merced County. We are originating Stated Income Verified Asset loans in Modoc County. We are originating Stated Income Verified Asset loans in Mono County. We are originating Stated Income Verified Asset loans in Monterey County. We are originating Stated Income Verified Asset loans in Napa County. We are originating Stated Income Verified Asset loans in Nevada County. We are originating Stated Income Verified Asset loans in Placer County. We are originating Stated Income Verified Asset loans in Plumas County. We are originating Stated Income Verified Asset loans in Sacramento County. We are originating Stated Income Verified Asset loans in San Benito County. We are originating Stated Income Verified Asset loans in San Fransisco County. We are originating Stated Income Verified Asset loans in San Joaquin County.

    We are originating Stated Income Verified Asset loans in Luis Obispo.

    We are originating Stated Income Verified Asset loans in San Mateo.

    We are originating Stated Income Verified Asset loans in Santa Barbara.

    We are originating Stated Income Verified Asset loans in Santa Clara.

    We are originating Stated Income Verified Asset loans in Santa Cruz.

    We are originating Stated Income Verified Asset loans in Shasta.

    We are originating Stated Income Verified Asset loans in Sierra.

    We are originating Stated Income Verified Asset loans in Siskiyou.

    We are originating Stated Income Verified Asset loans in Solano.

    We are originating Stated Income Verified Asset loans in Sonoma.



    How Do I Know I Need an FHA 203k loan? Ask Michele. #car #loan #amortization


    #i need a loan
    #

    How Do I Know I Need an FHA 203(k) loan?

    January 8, 2014 July 8, 2015

    QUESTION: I am a first-time home buyer preapproved for an FHA loan. I m looking at a short-sale property, and upon the initial viewing, my Realtor® suggested that the roof may or may not need work and I would need to be preapproved for a 203(k) loan before the process could continue. How do I know that I need the 203(k) loan? At what point in the process is it determined whether this type of loan is necessary? Shouldn t there be some kind of inspection involved first before this conclusion is reached?

    ANSWER: You sound like a well-prepared buyer with your loan preapproval and your mention of a home inspection, which is great. You also have someone who sounds like an excellent Realtor looking out for your interests.

    Your Realtor isn t a home inspector, though, so you may want to go ahead and pay for the home inspection now if you re seriously interested in this home. A home inspector will help you evaluate the condition of the home, including the roof. Since this home is a short sale, which means the sellers owe more on the home than its current value, you re not likely to be able to negotiate with the sellers to pay for repairs. This is probably why your Realtor recommended getting a preapproval for a FHA 203(k) loan.



    How Do Construction Loans Work? #cheap #payday #loans


    #construction loan calculator
    #

    Construction Loans

    What are Construction Loans?

    Construction loans are short-term loans that enable the construction of a project to completion. Upon completion, the permanent loan or end financing will be used to pay off the interim construction loan. The term on a construction loan is short duration of 6 months to a year.

    How are Construction Loans Paid?

    Typically construction loans use a draw system of payouts instead of a one-time lump sum payout of a standard mortgage loan. A draw system means the lender will pay out the proceeds of the construction loan at specified intervals (usually monthly) after they have verified the amount of work that has been completed on the project. The lender will usually send out their own inspector or use a third-party appraiser to verify the percentage of the project completed and appropriate payout.

    The borrower pays interest only and only on the amount drawn each month. These funds are used to pay for the work performed by the subcontractors and the materials that were used.

    Types of Construction Loans

    There are different types of construction loans based on the specific purpose and the person who takes out the loan. Normally, construction loans are given to general contractors who are building homes for clients (pre-sold homes) or building a home to be sold upon completion (speculative home). On a pre-sold home the lender will loan up to 80 percent of the value or purchase price of the home.

    Speculative home loans are typically restricted to no more than 70 to 75 percent of an appraised value based on the plans and specifications provided by the builder. The big advantage for the consumer with a speculative loan is that the general contractor is responsible for all costs associated with the construction loans, including any additional interest that would be charged for construction delays.

    Construction loans may also be available to individuals who may already own their own lot and can provide evidence that they either have a general contractor or can prove they have sufficient knowledge and expertise to act as a general contractor. These loans would also be limited to 80 percent loan-to-value.

    If the lot is already owned by the borrower, its value can act as all or part of the borrower s equity. A construction-permanent loan may also be an option to the borrower. The advantage of this one-time close (instead of the two closings normally required) is one set of closing costs and potentially an easy way to lock in the interest rate for the time taken to complete the project.



    Registered Nurse Salary – Job Description > Interviews – Career Options #registered #nurse #salary, #registered #nurse #job #description, #how #much #do #registered #nurses #make, #pay, #career #options, #jobs, #career, #advices, #challenges, #opportunities, #goals, #future, #guide, #information, #options, #best #paying #careers, #good #paying #careers


    #

    Interview with a Registered Nurse

    What do you do for a living?

    I am a Registered Nurse.

    How would you describe what you do?

    I take care of patients who are recovering from a wide range of illnesses or from recent surgery.

    What does your work entail?

    I’m responsible for making sure that the patient’s pain is under control, that they receive their prescribed medicine on time, that their vital signs are stable, that the doctor’s orders are being followed and I act as a liaison between the doctor and the patient’s family.

    What is a typical workweek like for you?

    I work three, twelve-hour shifts and I’m stuck on night shift right now. The night shift is really hard. The money is good but the rest of your family is scared to call during the day because they’re scared that I’ll be sleeping. But you kind of get used to it and then eventually you get to work days. So I work 3-twelve hour shifts that usually end up being about 13 or 14 hours because you have to stay late sometimes to finish charting. It ends up almost being a 40 hour work week.

    How did you get started?

    I actually started by going to college and getting a psychology degree and with that degree I was only able to get a job as a receptionist.

    I knew a psychology degree doesn’t really do anything unless you go for your PhD or Masters so I really wanted to help people but I didn’t feel like I was really getting that opportunity and my sister was in nursing school and loved it so I went too.

    I went to a school that offered a one year accelerated Bachelor’s degree in nursing program.

    It was twelve months because I had already had my Bachelor’s degree. I didn’t have to take all the other classes and so I got a second Bachelor’s.

    It was a crazy year. It was probably the most difficult year of my life but it was worth it.

    What do you like about what you do?

    The best part is seeing patients get better and knowing that I played a small role in that. We get a lot of patients who are in a lot of pain after their surgery which can be pretty stressful trying to get their pain under control. But once they’re comfortable and smiling it does feel really good to know that I helped them out.

    What do you dislike?

    I wish I had a lot more time to spend with my patients. There are some busy nights where I’ll run into a room to see something and my patient wants to tell me a joke or a story about her grandkids and it absolutely breaks my heart to have to interrupt them and leave because the patient in the room down the hall is throwing up and another patient is crying in pain and another patient has to go to the bathroom. So there’s sometimes that there is so much going on that I feel like I can’t give my patients the attention that they desire and that I want to.

    How do you make money or how are you compensated?

    Nurses are all hourly so they’re not a salary. It’s not a salary position unless you’re in management.

    How much money do you make as a registered nurse?

    In Kansas City it seems like most hospitals for new graduate nurses start around $21 or $22 an hour and then every year the salary goes up by a little bit less than a $1 a year. I’ve been a nurse for 5 years and I’m making $26 an hour.

    Hospital nurses tend to make more than other types of nurses. At doctor’s offices they only make like $18 or $19 an hour even if you are a registered nurse. So you definitely get more in the hospital and then hospitals usually pay night shift workers a shift differential which for me is $3 an hour so I get my base pay and then for the night hours I get $3 more an hour and I also get additional pay. If it’s a weekend you get $2 an hour extra.

    How much did you make starting out in this career?

    I started out at $22 an hour maybe but that was in TX.

    What education or skills that are needed to be a Registered Nurse?

    Most hospitals require a registered nurse degree but you can do that two ways. There’s actually a Bachelor’s degree which is called a BSN and some hospitals prefer that and pay more; other hospitals don’t distinguish between a diploma nurse, which is an RN without the Bachelor’s, and the Bachelor’s.

    What is the most challenging about what you do?

    The patient load and the severity of their sickness.

    If I have five patients and I have one patient who demands a lot of time because they’re in a lot of pain or they’re really sick then my other four patients might not get the attention that they deserve. So I’ve learned time management skills are just absolutely critical and even then sometimes I’ll have my whole night figured out and something will come up and throw everything off. So it’s definitely a skill learning to prioritize and juggle my plans for the night I guess. That takes a long time to learn.

    What is the most rewarding for you?

    The patients, just getting to know the patients and their families and seeing them get better.

    What advice would you offer someone that’s considering this career?

    The best advice I could offer would be to contact a hospital in the area and see if there’s any way that you can shadow a nurse for a full shift because I think that a lot of people watch TV shows and see doctors doing all the work and they think that’s the way things actually are and it’s not like that. Nursing is a very, very physical job. It’s a lot of thinking and it’s a lot of work. I love it but I’ve met a lot of people who I think if they would have actually seen what it was really like before they went to school that they might have chosen something different.

    I don’t want to sound discouraging by any means but I think it’s a good idea to actually shadow someone to see what it will be like.

    How much time off do you get or take?

    Well we technically have a 12 hour shift. It’s only three days a week so every week you get four days off and then it seems like hospitals give you a lot of paid time off because you don’t get holidays paid. With most jobs you get paid when you don’t have to work on a holiday but hospitals they’re open every day all day so you sometimes have to work holidays so we do rack up a lot of paid time off and so it just seems like occasionally I’ll be able to take a day or two off which is really nice.

    What is a common misconception that people have about what you do?

    That nurses just give medicine and they don’t do much else.

    What are your goals or dreams for the future?

    I guess to eventually to try different areas of nursing and just see what is all out there because that’s one of the best things about nursing, there are so many different areas that if you get bored with something or something isn’t the right fit you can try a different specialty, or you can go from being a floor nurse to an operating room nurse and it’s almost like a different profession. So you have a lot of options I guess. In the future I would like to try out different things and see what the best fit is for me.

    What else would you like people to know about what you do?

    That’s a good question. To be nice to their nurses! No, I’m kidding. It’s a very rewarding job, you learn a lot, it’s constantly evolving, that people should only go into nursing if it’s their true passion.

    And that if you really do want to help people and you are interest in medicine that it is a very rewarding and exciting career.



    What do I need to bring to the bank when applying for a loan? Personal Finance & Money Stack Exchange #bad #credit #loans #online


    #need a loan
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    What do I need to bring to the bank when applying for a loan?

    order by

    • unsecured versus secured?
    • personal versus debt consolidation?
    • line of credit versus home improvement?

    You WILL know whether you are applying for boat loan versus a home mortgage though!

    What will help your chances of being approved?

    If possible, make an appointment in advance with a loan officer! That’s better than just walking in. (It might increase your chances of being perceived as a responsible, valued bank customer.)

    Focus on the purpose of the loan. Let the bank representative tell you what your options are. If you are told that you don’t qualify, ask if there is something else that they could suggest. It might mean paying a higher rate of interest, or using some other asset or account as collateral for a secured loan. It is up to you whether you want to do that. Depends on your situation, urgency of need, trade-off’s.

    Documents to bring with

    Start by looking at the bank’s website. See if there are any suggestions there, for document req’s. If that isn’t helpful, call on the telephone. Say that you want to speak to a loan officer. Mention any accounts or other existing relationship you have with the bank. Then describe as best you can what type of loan you want, the purpose (to buy a house, boat, car, repay student loans at lower interest rate etc).

    You’ll need some combination of the following:

    • Proof of ID which in the United States, (was in the question tag), would be a picture ID.
    • A driver’s license or state ID card is good. If you don’t have those, then a U.S. Passport or military ID.
    • Social security number (but not necessarily the card)
    • Prior year’s tax returns, other financial account statements (or account numbers if with the same bank)
    • Pay stubs or something that shows income.

    Also, when you make the appointment or call, you may be told to bring title on property, vehicle, credit card statement, student loan docs. It all depends on the type of loan.

    Good luck, hope you get what you want!



    How Do I Become a Certified Database Administrator? #database #administrator #online #degree, #how #do #i #become #a #certified #database #administrator?


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    How Do I Become a Certified Database Administrator?

    There are many certifications available for becoming a certified database administrator. Many of these certifications are offered by database vendors themselves. By passing a series of tests and sometimes other requirements, you can earn a database administrator certification, which enhances your skills, portfolio, and job prospects. Schools offering Database Administration degrees can also be found in these popular choices.

    Certification Overview

    Many vendors, such as Microsoft and Oracle, offer certification for their Database Management System (DBMS) software. To prepare for the certification exams, there are books, classes, and online resources available from the vendors and others.

    Important Facts About This Occupation

    Product vendors like Microsoft and Oracle offer DBA-level certifications in their respective database management systems

    Problem solving, analytic ability, excellent communication skills

    Information Systems Manager, Information Security Analyst, Database Developer

    Microsoft Certifications

    Microsoft offers Microsoft Certified Database Administrator (MCDBA) certification in two platforms: Microsoft Certified Solutions Expert (MCSE): Data Platform and Microsoft Certified Solutions Expert (MCSE): Business Intelligence. The data platform certification has been designed for and is recommended to those who develop large-scale data networks for businesses either in an office setting or remotely. The business intelligence certification, in comparison, is designed for database professionals who focus on efficiency and solution-based projects and reports.

    Oracle Database Certifications

    Oracle offers database certification in its different DBMS versions, including 11g, and 12c. Each version offers three levels of certification, including the Oracle Certified Associate (OCA), Oracle Certified Professional (OCP), and Oracle Certified Master (OCM) credentials. OCA is foundational, OCP is more intensive, and OCM is the most rigorous certification.

    MySQL Certification

    The Oracle Corporation offers the courses for the Oracle Certified Professional, MySQL 5.6 Database Administrator (OCP) Certification to those who want to demonstrate high-level expertise in the MySQL Server platform. This certification includes mastery of setting up databases, optimizing MySQL database performance, and administering security and replication processes.

    To continue researching, browse degree options below for course curriculum, prerequisites and financial aid information. Or, learn more about the subject by reading the related articles below:

    The schools below may include sponsored listings but are popular choices among our users.



    How to Become a Dental Hygienist: 11 Steps (with Pictures) #what #do #dental #hygienist #do


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    How to Become a Dental Hygienist

    Apply to take the National Board Dental Hygiene Examination. This examination, provided by the American Dental Association, is required of all RDH candidates.

    • You will be required to submit proof of your training and letters of recommendation in order to take the exam.

    Apply for your state license. Consult your state’s dental hygiene licensing board, usually available through the Secretary of State website.

    Pass your state clinical exam. A passing score will give you a license to practice and the title of “Registered Dental Hygienist.”

    Part Three of Three:
    Apply for RDH Jobs Edit

    Search through online and newspaper classified ads.

    • Advanced computer skills and interpersonal skills are likely to be an advantage when applying for a RDH job. Many dental offices are switching to digital records if they have not already. Interpersonal and communication skills will prove you can get along in an office environment and make patients feel at ease.

    Network with your local dental community. Attend conferences and job fairs that will put you in touch with more dentists’ offices in your state.

    Contact dental offices in your area. Ask them to keep your resume on file in case of future openings. Demand may require that you move to an area with more job openings in the meantime.



    What can I do with a criminology degree? #what #can #you #do #with #a #masters #in #criminal #justice


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    Criminology

    As a criminology graduate with critical thinking, analytical and communications skills, you’re attractive to employers both inside and outside the criminal justice sector

    Job options

    Jobs directly related to your degree include:

    Jobs where your degree would be useful include:

    Remember that many employers accept applications from graduates with any degree subject, so don’t restrict your thinking to the jobs listed here. If you haven’t already done so, take a few minutes to answer the Job Match questions to find out what careers would suit you.

    Related case studies

    MA Criminology student

    Work experience

    Employers value experience and a range of paid and voluntary opportunities exist. These include work with offenders, criminal justice agencies, social work and community education departments, and victims of crime. Specific roles include prison visiting, working as a special constable, and involvement in drug treatment schemes or youth/bail hostels for young offenders.

    Some courses offer a placement year, which can be particularly useful in helping you to test out a certain area of work and build up good contacts for future jobs.

    Think about the group or the environment you are interested in working with and how you could get involved with local support groups or projects. Narrowing down your preferences will allow you to focus on specific employers and voluntary organisations.

    Search for placements and find out more about work experience and internships .

    Advertisement

    Typical employers

    Major employers include:

    • central and local government;
    • the police and prison services;
    • the court services;
    • security services;
    • non-profit-making organisations, including the NHS, educational institutions and charities that work with young offenders or victims of crime.

    Opportunities also exist in the private sector, for example in private security and in law practices.

    It’s also possible to work in a range of social welfare posts, such as mental health support and drug rehabilitation, housing (as housing officers or in outreach support roles), as homelessness officers, and in refugee and victim support/counselling.

    Skills for your CV

    Studying criminology develops your understanding of the social and personal aspects of crime, victimisation and responses to crime and deviance, as well as building specific skills such as:

    • generating and evaluating evidence;
    • making reasoned arguments and ethical judgments;
    • critical thinking;
    • analysing and interpreting data;
    • report writing.

    If you study other subjects alongside criminology, you should consider the complementary skills they provide you with, for example, an increased awareness of psychology or politics related to criminology topics.

    Also consider your more general skills in areas such as research, written and oral communication, IT, time management and the ability to work productively both in a group and individually.

    Further study

    Most criminology graduates who go on to further study choose from a range of vocational areas including social work, teaching and law conversion courses .

    Some students choose to progress to Masters courses. including MAs in criminology or criminal justice, which will enhance subject knowledge, possibly with a view to going on to further academic research. Courses relevant to specific client groups also exist, such as a Masters in alcohol and drug studies.

    There are also many postgraduate courses where a degree in any subject is accepted for entry, offering the possibility to change career direction. To find a course that interests you, search postgraduate courses .

    What do criminology graduates do?

    More than two thirds of criminology graduates are in employment six months after finishing their course.



    Signs Your Baby Loves You #how #do #you #give #your #baby #up #for #adoption


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    Signs Your Baby Loves You

    Let’s be real. Babies this little are not going to give you the kind of feedback you might desperately wish for after that grueling labor and those sleepless nights. But as you and your baby get to know each other, you’ll get glimmers that a bond is forming and that can be more meaningful than a big declaration of love. “Attachment is a process,” says Debbie Laible, Ph.D. a professor of psychology at Lehigh University. When you take care of your baby, he falls more in love with you every day and says thanks in his own baby ways .

    He knows you’re you
    “Within a few weeks, babies can recognize their caregiver and they prefer her to other people,” says Alison Gopnik, Ph.D. author of The Philosophical Baby and a professor of psychology at the University of California, Berkeley. Partly, your little one’s just following her nose: In one study, researchers put a nursing newborn between two breast pads, one belonging to her mother. The scent of Mom’s milk was enough to get the baby to turn toward that pad.

    Become the foremost expert on what your baby’s various cries mean. Relentless and desperate usually means hunger, abrupt might mean pain, and more plaintive can signal discomfort. You’ll figure it out through trial and error, eventually grasping nuances that will baffle outsiders. The better you know his language, the better you can meet his needs. “When a baby’s distressed and his parents respond, he learns he can count on them for comfort and relief and that he matters,” says Linda Gilkerson, Ph.D. director of the Irving B. Harris Infant Studies Program at Erikson University. But don’t worry if you can’t always nail the wail: “You don’t have to be perfect,” says Gilkerson. In fact, she says, research shows that caregivers are in perfect sync with their babies only about 40 percent of the time. What’s more important is that you will learn to recognize and respond when your baby needs you. “Your baby learns ‘I can rely on Mom. Even if I cry for a little bit, she gets to me soon enough that I don’t fall apart,’” Gilkerson says.

    She’ll totally flirt with you
    “Within a month or so of being born, babies respond to the facial expressions of their mothers and without thinking about it, the moms start doing it right back,” says Gopnik. We’re talking about the smiles, the meaningful looks, the coy looking away and back again (think back to ninth-grade study hall; you get the idea!). These goofy games appear to be as important in cementing a baby’s attachment as your responses to her physical needs. At around 4 months, she’ll also be unable to take her eyes off of you. And who can blame her? By then, she’s gotten used to life on the outside, can suck and swallow and is physiologically more regulated (i.e. is no longer eating and sleeping like a jet-lagged traveler), so she can begin to pay attention to more than just her immediate bodily needs, explains Gilkerson.

    Flirt back—and don’t be afraid to use exaggerated expressions. “Face-to-face interaction is part of how babies learn about positive give-and-take,” says Gilkerson. Your child’s starting to realize that with a single look, she can show you how happy she is that you’re around—and that it’s a feeling worth sharing, since you’ll beam back.



    Trading As A Business #how #to #do #online #trading


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    How To Start Trading: Trading As A Business

    The idea of trading for a living – or having your own trading business – is appealing to many people: you get to be your own boss, set your own schedule and work from home while enjoying virtually unlimited income potential. In addition to these factors, anyone with a computer, Internet connection and a small trading account can give it a try. Unlike many other jobs, no degrees, special training or experience is required.

    Steep Learning Curve

    Because trading is so easy to get into, new traders may not realize there’s a very steep learning curve involved: being successful is difficult, and it takes a lot of time and effort. Here are some quick facts about trading:

    • About 90% of day traders fail within the first year
    • There is no way to completely eliminate risk in trading
    • There is no trading system that wins 100% of the time
    • You will always have losing trades, even if you are a rock star trader
    • You need money to make money – it will take a long time to get rich with a small trading account
    • Successful independent traders can earn a comfortable income, but most do not become millionaires

    The ease with which you can start trading (just open a trading account and hit the “buy” button) in no way implies that becoming a successful and profitable trader is easy. Many of the 90% of traders who fail within the first year do so because they start trading without having developed any type of logical business or trading plan. Any business entered into with such a lack of planning is likely to fail. Another common reason for failure is that the trader is undercapitalized ; meaning, they don’t have enough money to take on the risk and absorb the inevitable losses.

    No Easy Button

    There is also a lot of deception associated with learning the business of trading. Late night infomercials and hundreds of websites would have you believe that trading is easy and that anyone can generate a huge and consistent income from the financial markets, with little or no effort. While there may be the rare case where a trader manages to make a huge amount of money in a short time, that’s not the norm. For most people, trading involves a lot of hard work before becoming successful.

    As a business, trading requires constant research, evaluation and discipline. There are no guarantees in the trading business, and you could work a 40-hour week and end up losing money. Anyone considering trading should make sure they have both the personality and financial means to take on this type of business activity.

    You might ask yourself:

    • Am I driven to succeed?
    • How do I handle losing?
    • Do I have time to dedicate to learning the business of trading?
    • Can I stick to a plan?
    • Do I have my family’s support?
    • Do I have money that I can afford to lose?
    • How do I deal with stress?
    • Do I have realistic expectations?

    If you want to become a part-time or full-time trader, it’s important that you take the time to research and plan your trading business; these are essential steps in your overall success as a trader. This is not a profession at which you will become skilled overnight. Traders who start putting their money in the market too soon or without a well-researched trading plan often find themselves back at the beginning, but with a lot less trading capital. Traders who have realistic expectations and who treat trading as a business – and not as a hobby or a get-rich-quick scheme – are more likely to beat the odds and become part of the group of traders who succeed.



    Learn How to Become a Play Therapist #what #do #i #need #to #become #a #counselor, #learn #how #to #become #a #play #therapist


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    How Do You Become a Play Therapist? And is a Registered Play Therapist Certification Worth the Time and Costs?

    How to Become a Play Therapist

    To become a play therapist you must hold an active license in a mental health field such as counseling, psychology, or social work.

    Before you can become a play therapist you must go to school, earn a degree in mental health, and get licensed in your field. Each state has a different criteria set up for counselor or mental health licensure in the United States. To become licensed in the state you live in one usually must hold a Master’s Degree or higher in mental health, take a state test, and have at least two to three years of supervision from a licensed supervisor.

    Candidates must have completed some type of course work in ethics, child development, and play therapy with an accredited degree and licensure program such as APA, CACREP, or NSWA.

    To Become a Registered Play Therapist:

    You must have the above training and continue 150 hours of play therapy instruction that specifically says the words “play therapy” in the course title.

    You also must have completed 500 hours of working as a play therapist under the supervision of a licensed supervisor.

    You also need at least 50 hours of direct supervision in play therapy. This supervision needs to be from a state approved supervisor.

    State approved supervisors need to have additional training in supervision. For instance, in the state of Georgia a state approved supervisor is called a Licensed Professional Counselor Supervisor, or L.P.C.S.

    The Association for Play Therapy is an agency that gives out the certification for Registered Play Therapist. You will need to submit transcripts, social security number, and your play therapy educational coursework in play therapy.

    You can choose to contact a Credential Coordinator at The Association for Play Therapy and ask them to preview your application for a $50.00 fee.

    The fee to apply for the registration of play therapy is $80.00 for members of Association for Play Therapy and $160.00 for non-members. The application is on the Association for Play Therapy’s website.

    To date I have many hours of play therapy training. I have well over 500 hours of play therapy experience and have had well over fifty hours of play therapy supervision. I continue to work as a play therapist, attend major play therapy workshops, and watch the hours add up.

    I am not, nor will I ever be a registered play therapist. I have never had a parent or guardian ask me if I was “registered” as a “play therapist”.

    I can call myself a “play therapist” but I am not allowed to call myself a “registered play therapist or R.P.T.” I have had several years of working directly with children and have had advanced training in play therapy.

    I have taught play therapy for several years at Mercer University in Atlanta, Ga. I feel that a creative therapist needs to have an eclectic approach and not put too much emphasis on one form of training.

    While of course I encourage all therapists to take play therapy training, I do not believe it is necessary to have so many hours in one theory of therapy.

    I have found myself actuually getting bored learning the same old thing at play therapy conferences year after year. Why do this when you can be learning other areas of therapy to help your clients in different ways?

    Learn More About Play Therapy in Dr. Stangline’s eBook Below:

    This is the exact replica of the graduate counselor play therapy class I teach at Mercer University. You can follow me step by step at your own pace. While not an actual “online class” this eBook will allow you to learn what I teach to graduate counseling students. For more information on play therapy eBook see the link below.

    To learn how to do play therapy it is best to seek supervision with a registered play therapist supervisor. Supervision with a registered play therapist supervisor can be more expensive than regular supervision. You can learn play therapy in other ways as well.

    It cost a lot of money to become a registered play therapist. I am not sure that the financial benefits are worth it. But, if your thing is to be a play therapist then please don’t let this stop you!

    Whatever you do as a therapist, especially if you work with children, get some training in play therapy. It can also benefit your adult clients.

    It is advisable to find a registered play therapist supervisor that offers group supervision.

    For more information go to your state play therapy association.

    It is also financially beneficial to work for an agency that has a registered play therapy supervisor on staff. Quite often, these agencies can offer affordable supervision or free supervision to licensed counselors seeking the registered play therapy credentials.

    It is also important to note that once you have become a registered play therapist you will need to have 36 hours of continuing education every three years. You must have 18 direct play therapy hours and 9 non direct hours. When I am acting as a school counselor I use play counseling and not play therapy. Play counseling is not as intensive as play therapy. It is shorter due to the limited time I have to deal with each student.

    Play counseling does not delve as deep as play therapy. As a school counselor I am limited with my interventions. I need to refer a student to an outside therapist if therapy is needed.

    Copyright © 2015 Creative Counseling 101.com
    All Rights Reserved

    C reative Counseling 101 eBook
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    Step By Step Therapy:

    Learn how to be a more Creative Therapist with the Book that started it all!

    – Graduate School Counseling book used by hundreds of graduate counseling students!

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    – Winner of the Counselor Writer of the Year Award, 2011, Georgia Regional Award

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    – Creative Play Therapy 101

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    School Counselor Guidance Lesson & Social Stories eBook for sale.

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    The difference between water and flood damage – 21st Century Insurance #21st #century, #21st #century #insurance, #insurance #information, #i #need #flood #insurance, #flood #insurance, #difference #between #flood #and #water #damage, #what #to #do #with #water #damage, #am #i #covered #flood #insurance, #march #2014 #newsletter


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    In Touch With 21st – March 2014

    The difference between water and flood damage

    You return home to find your living room flooded. Will your insurance policy cover this loss? That depends on the type of insurance you chose to purchase, and how the water entered your house.

    Types of insurance that can help

    There are two types of policies that cover losses caused by water, homeowners insurance and flood insurance. These policies provide two different types of coverage that complement each other, but may not overlap.

    Homeowners insurance. Most homeowner policies cover damage to your home caused by a sudden and accidental water event, such as a burst pipe, wind- or storm-driven rain or melting snow. Water damage caused by poor home maintenance such as overfilled gutters, a poorly maintained roof, and condensation buildup due to inadequate ventilation or unrepaired leaks will generally not be covered. Also, a homeowners policy doesn t protect against flood damage.

    Flood insurance. While flood damage to your home and its contents is not covered under your homeowners policy, it could be covered by a separate flood insurance policy, available through the National Flood Insurance Program from the Federal Emergency Management Agency (FEMA) if you purchase this type of policy. A flood is defined as a rising and overflowing of a body of water onto normally dry land. For insurance purposes, the word “rising” in this definition is the key to distinguishing flood damage from water damage.

    Flood insurance is available to homeowners and renters, for both personal and commercial properties. The cost of this insurance will vary depending on the amount of insurance purchased, what is covered and a property s flood risk. Note that it typically takes 30 days for flood insurance to take effect from the date of purchase.

    What to do when water damage occurs

    If water damage occurs to your property, such as with a storm, it is important to dry all wet areas and provide air circulation to aid in the drying process. Also, cover any exposed areas of the dwelling with a tarp to prevent further water damage. Covering exposed areas along with drying and dehumidifying wet areas can help minimize the possibility that mold will form due to the water damage. Always contact your insurance agent immediately to start the home owners insurance claims process.

    Please note: This information is of a general nature for educational purposes only. It must not be taken as advice and does not signify an endorsement. 21st Century Insurance is not responsible for any injuries or loss incurred.



    DIY Alarm System Battery Replacement #how #do #home #alarm #systems #work, #alarm #system #battery


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    DIY Alarm System Battery Replacement

    How to Test an Alarm System Battery

    Open the alarm system panel box, and locate the battery. Most panels just have the battery sitting on the bottom of the “can”. If there is a date written on the battery, and it’s at least 5 years old, replace the battery.

    If there’s no date written on it, continue with testing. Position the alarm system battery so that you have access to the terminals on the top. This usually means laying the battery on its side.

    Disconnect AC power by unplugging the low voltage transformer, if possible. If you can’t easily reach the transformer (or if you don’t know where it is), you’ll need to disconnect one of its wires inside the panel.

    The circuit board will have at least one row of screw terminals. At one end or the other, look for 2 screws marked “AC”, “Trans(former)”, or “XFMR”. Loosen one of these 2 screws, and pull the wire free. Be careful not to let the wire touch anything, or you could fry the transformer. By the way, don’t be concerned about electric shock, since the transformer only puts out around 18 volts.

    Set your DMM to measure “DC Volts”, within the range of 12 volts. Touch a probe to each battery terminal, and check the voltage reading. You’ll notice the voltage dropping, hopefully not too rapidly. A good battery will drop steadily for a few minutes, then level off and even begin climbing slightly. If yours behaves this way, and stays above 12 volts, the battery is good.

    If after 5 minutes or so the voltage continues to drop, or if it ever goes below 12 volts, the battery should be replaced.

    How to Replace an Alarm System Battery

    If the battery fails the test, reconnect transformer power so the system will run when you take out the battery.

    Remove the connectors from the battery terminals. They are the quick-connect spade type, and simply pull-off and push-on. Take the unit to a battery store, where they will sell you a replacement battery of the same size.

    Note that the new alarm system battery must have the same rated voltage as the old one. The amp-hour rating should be the same or higher.

    Label the new battery with the date, for future reference. If you use a black Sharpie, it won’t show up well if the battery casing is also black. In that case, add a short piece of masking tape, and write on that.

    Install the new alarm system battery, making very sure to match the positive and negative terminals to the correct wires: red to red, and black to black.

    Using your multimeter, check the battery voltage. It should climb slowly but steadily, as the alarm panel’s charging circuit does its job. If the voltage doesn’t increase after 5 minutes or so, check the AC power connections again. If they are good, you may have a blown transformer.

    Allow 24 hours or so for the replacement alarm battery to reach full charge. During this time, the keypad may still show a trouble light or low battery indication, but this will reset when the battery reaches a full charge.

    To check the plug-in transformer, set your DMM to the “AC Volts” position, and touch a probe to each AC terminal on the circuit board. You should see 16-18 volts or so. If not, you’ll need a new transformer. These are available online, or you can get a comparable unit from Radio Shack or other electronics supplier.

    Replacement is done by simply swapping out the old transformer for the new one. Unlike the battery, AC connections aren’t polarity-sensitive. There is no “positive” or “negative”, as the leads are interchangeable.

    If You’re Looking For:


    • A new alarm system installed
    • Reactivate an existing system
    • Alarm equipment only, no monitoring


    Why not get a few FREE alarm quotes from companies in your area?

    No credit card info is needed, and you’re not obligated to buy anything!

    An eBook by Jim Stauffer
    Home Surveillance Pioneer and founder of
    the Easy Home Surveillance System

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    Copyright © 2011-2017 Home-Security-Systems-Answers.com

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    How do I obtain a VA Home Loan Certificate of Eligibility or a duplicate of a certificate? VA Home Loan Certificate of Eligibility #loan #consolidation #companies


    #home loan eligibility
    #

    How do I obtain a VA Home Loan Certificate of Eligibility or a duplicate of a certificate? VA Home Loan Certificate of Eligibility

    Apply online

    To get your Certificate of Eligibility (COE) online, please go to the eBenefits portal at this link. If you already have login credentials, click the Login box, and if you need login credentials, please click the Register box and follow the directions on the screen. If you need any assistance please call the eBenefits Help Desk at 1-800-983-0937. Their hours are Monday-Friday, 8am to 8pm EST.

    Apply through your lender

    Most lenders have access to the Web LGY system. This Internet-based application can establish eligibility and issue an online COE in a matter of seconds. Not all cases can be processed through Web LGY – only those for which VA has sufficient data in our records. However, Veterans are encouraged to ask their lenders about this method of obtaining a certificate.

    Apply by mail

    Surviving Spouses

    Spouses must apply by mail using VA Form 26-1817, Request for Determination of Loan Guaranty Eligibility – Unmarried Surviving Spouses. If your Veteran spouse died after service, VA must determine that the death was due to a service-connected disability. Please allow 2-3 months for this process unless you know that the decision on service-connected death has already been made.

    If you can’t print the form, just call 1-888-768-2132 and follow the prompts for Eligibility and we will mail the form to you.



    How do Home Equity Loans Work #payday #loans #australia


    #home equity loan rates
    #

    Home Equity Loan

    Why a Home Equity Loan?

    Equity in your home brings you peace of mind and opportunity for growth. You can borrow money using the equity in your home as collateral. Upon acceptance, you receive a lump sum of money to use for these projects or debt payments. The loan is repayable over a fixed term. A home equity loan gives you a secure locked-in rate and a consistent monthly payment. The interest may even be tax deductible. Check with your tax advisor.

    Money to make your life better.

    Work with Mountain America for your Home Equity Loan.

    How does a home equity loan work? In a word, well.

    It s a rather simple premise. You have equity in your home. A home equity loan lets you borrow money, using that equity as collateral. You receive a lump sum of money that is repayable over a fixed term, giving you the security of a locked-in rate and a consistent monthly payment 3. Plus, unlike most types of consumer loans. the interest on a home equity loan may be tax deductible 2 .

    Flexible Home Equity Line



    How do used car loans work? carloan banks usedcars #best #bank #loans


    #used car loans
    #

    How do used car loans work?

    I have some general questions about financing a used car

    My current car, a 1995 Volvo 850 with around 200,000 miles, has been giving me some trouble. First, the A/C died, which for someone who likes to keep their surroundings as cold as possible is pretty annoying. It sounds like that may simply be a relay that needs to be replaced. Second, there was a good amount of white smoking blowing out of my tailpipe this afternoon. I’m worried that it may be a headgasket or a gasket on my turbo. I’m going to see the mechanic tomorrow morning.

    Assuming that repairing my 15-year-old car will cost me many hundreds if not thousands of dollars, I’ve been looking into getting a replacement. I’ve tried my best to research various used car loans online. I’ve got $2000-$2500 to use a down payment. Ideally I’d replace this car with the same exact model, only with less miles. I love my Volvo.

    It seems like many lenders limit the model year they will loan money for to newer (within the last 5 or so years) models. Is this true of most lenders? Will it be tough to get a $3000-$5000 loan for a late 90s model?

    If I do get a loan, am I free to purchase the car wherever I want? Private seller? Dealership? Used car lot? How does this work? Does the bank give me a blank check with the stipulation that I can only spend up to $xxxx? Do I need to tell the seller/dealership to contact my lender to receive the money?

    I currently do the majority of my banking online with ING Direct. They do not offer car loans. There are several banks near me, including PNC and my employers credit union. Generally, do you need to have an account at the bank to get a loan from them?

    This is a tough situation for me, as I recently graduated from college and moved away from home. I don’t have any friends who can give me rides or help me look for a car. I’d like to be prepared if I need to start the process of finding a loan and then purchasing a car.

    I bank at a local credit union in the metro NY area (and have commented about using credit unions here in the past ) and recommend that route.

    My credit union will only give car loans for cars 10 years or younger. Why? Because the car is collateral in case you don’t pay back the loan. If the car stop working and you cannot afford to fix it, the credit union doesn’t want to repo a busted car.

    Want a car loan? Need an account. The minimum for a savings account there is $5. Get pre-approved for the loan in the amount so you know that you’ll be able to finance it when you start shopping around. You’ll have to use a bank if you buy from an individual. If you buy from a business, they will attempt to loan you the money as well. There’s tons written about financing cars at dealerships and car negotiating for you to read. Commonly, it is recommended that you do not walk in and announce that you’ve been pre-approved elsewhere or for what amount.

    Huh. I was not previously aware of the limitation on model years for car loans.

    Well, the issue with car loans is that they will take a security interest in your car, so the car is collateral on the loan and therefore the lender has to care about the quality/upkeep of the car (FYI, there is typically a minimum amount of comprehensive and/or collision insurance coverage required when you take out an auto loan).

    One potential alternative is a line of credit or personal loan. Discover has such a product, though I’m sure there are other, similar alternatives, possibly even one at your local credit union. This is different from a credit card in that 1) the interest rate tends to be lower, and 2) the monthly payment and payment term are fixed. For a small amount such as you are planning to borrow ($3-5K), it may be entirely feasible to get a personal loan.

    The upside is that they do not care at all what you spend it on, or require any particular level of insurance on your car. The downside is that the interest rate may be a couple points worse than that of a car loan, and your repayment term may well be shorter (24-36 months is common), so the monthly payments will be higher.

    posted by rkent at 8:00 PM on May 25, 2010

    What the others said reflects my experience too, but I will add one bit of advice.

    Last time I bought a car, I arranged for financing ahead of time with my credit union. I qualified for their very best rate, which turned out to be the lowest rate among about 10 banks and credit unions I checked. I wound up buying a very slightly used car from a dealer and the manufacturer had incentive financing which was about one percent lower than that. The finance guy at the dealership somehow wound up finding financing through the dealer services department at a major national bank which was even 1% lower than the manufacturer’s deal.

    The point is that you should come prepared with your own financing in place, but be open to the possibility of a better deal. Also be aware that some dealers try to simulate a better deal by giving you a lower rate but a higher overall price. For that reason, you should negotiate on the price and all other details before you even begin talking to the dealer about financing. You should also make it clear that you’re totally indifferent about the car and prepared to walk at the first sign of nonsense.



    Scholarship Application Tips ~ #how #do #you #apply #for #scholarships #for #college


    #

    How to Apply for Scholarships

    Applying for your scholarship is the first step along your journey to financial aid for college. When you consider the diversity of the scholarships that are available each year, and the competition that exists for them all, you will realize just how important it is to get the application process right. All scholarship applications are different so be prepared to give equal attention to them all.

    Assuming you have chosen the scholarships for which you wish to apply it is time to come to grips with the actual process. Many scholarship providers such as the Morris and Stewart Udall Foundation and the Harry S Truman Foundation have sample applications on line that you can download to help you get a good feel for how you will approach the actual application when the time comes. Your scholarship applications are a vital step on your search for financial aid and it is important to get them right.

    The following steps will help you maximize the potential of all of your scholarship applications:

    • Read Everything (And Read It Again)
      Simply following the directions won’t result in the best application possible. Before you put pen to paper, or let your fingers hit the keyboard, you need to have read and understood every part of the scholarship application. Read it through once, and then read it through again. Many students’ applications are are discarded simply because they failed to understand the application and have filled it out incorrectly. Competition is high for these scholarships and an oversight could put you out of the running. By submitting a flawless application you have already put yourself ahead of a lot of the competition.
    • Talk Yourself Up
      Honesty is always the best policy when working on your scholarship applications, but there is no reason you shouldn’t promote yourself when you can. Let’s say one of the questions on the application is What are your weaknesses? , and your answer is I’m a bit shy. You don’t want to say you find it difficult talking to people and prefer to keep to yourself. Acknowledge your shyness but go on to emphasize how you are overcoming it and how your shyness has benefited you in your ability to see other people points of view and to respect others opinions. You are still being truthful, but you are also talking yourself up. Be creative and look for ways to promote your accomplishments and your good character.
    • Never Waver From the Topic
      When you apply for any scholarship the worst thing you can do is stray from the topic at hand. This is especially true if the scholarship is sponsored by a specific organization and focuses on a particular issue. For example, let’s say a printer ink cartridge manufacturer is offering a scholarship in conjunction with their recycling program. The essay you may be asked to write has to do with ways you would conserve resources and recycle old technology. It would be very detrimental to your essay if you veered off topic to discuss oil drilling in Alaska.

    Many student’s applications are dismissed because they don’t stay focused in their essays. Many applicants want to show the entire depth of their knowledge on a given topic in an effort to prove they are qualified for the scholarship that is being offered. But doing so often end up getting them excluded from consideration all together. Remember, be concise and to the point.

    This doesn’t just apply to applications with an essay portion. Many scholarship applications do not require full essays but do feature several questions that need to be answered honestly and with precision. Failing to be succinct and to the point will only get your application moved to the bottom of the pile.

    Be Relevant and Be Concise

    Many scholarship applications will consist of a personal essay designed to let the review board know a little about you and your goals for the future. It here that you will have the opportunity to talk about your family background, your accomplishments both in the classroom and in your community and your goals for college and beyond. Your essay should be truthful and heartfelt while it promotes the best aspects of your character and motivations. Here is your chance to make your case for why YOU should win the coveted scholarship.

    There are three main points to stress in your personal essay:

    1. Who You Are – Discuss your personal background, your family, your academic and extra curricular successes and your motivation for going to college
    2. Where You Want To Go – What are your ultimate career goals. If the scholarship is offered by a corporation or organization explain how your goals dove tail with the work they are doing and may do in the future
    3. What Are You Looking To Get – Here you can discuss further your experiences with community service, your hopes for the future and what a college education will mean to you and your family

    Above all adhere to the guidelines set by the scholarship to which you are applying. If you are asked to write a two page or 2500 word essay submit just that. The review board will be impressed with content not quantity. Remember you are your best asset. Be unique, be positive and speak from the heart.

    Get a Second Opinion

    Before you mail anything in, always get a second opinion. If you had to write an essay, have a trusted friend, parent or teacher proofread your work and offer constructive feedback. Also be sure to provide the prompt you were given so they can evaluate your ability to stay on target. As you know by now, focus and clarity are very important to scholarship judges.

    When filling out any standardized forms for your application it’s helpful you write out your answers on a separate sheet of paper first. You may even want to type them up and read them through, editing where you see fit. This takes the pressure off having to write concise yet clear answers in a confined space. Writing it out beforehand will give you something to work from.

    Whether you apply for an academic scholarship or an athletic scholarship ; a corporate funded scholarship or a civic organizations scholarship these tips will help you succeed in producing a clear and concise application. While the each scholarship will offer different challenges and will have different demands if you remember to follow the guidelines closely, stay focused and on topic and be positive about yourself and your goals you will increase your chances of being accepted by the review committee.

    Regardless of your background, ethnicity, gender or interests there is likely a scholarship waiting to suit your needs. Make sure you check out other aspects of the scholarship section where you can learn about scholarships aimed at specific people with specific interests, such as nursing scholarships, art scholarships and even graduate fellowships. You’ve worked hard throughout your academic career and now is the time to make that hard work pay-off in the form of a scholarship to help make your college dreams a reality.

    Increase Your Chances for College Scholarships

    To help you be able to manage the costs of higher education, we have created some content specific for you to help you achieve success by teaching you how to find more college scholarships .



    Need a 10, 000 Dollar Personal Loan? Let – s Do The Math #refinance #rates


    #10000 loan
    #

    $10,000 Loan With a FICO of 700  APR 11%

    FICO = 700

    Loan = $10,000

    APR = 11%

    Term = 5 Years

    Interest per year on average = $559.062

    x 5 years interest = $2795.31

    Total gross amount to pay back the lender = $12795.31

    Monthly Installment Payment = $210.33

    You can see in this first example how much you are punished for having a bad credit rating. Over  the five year term you are almost paying back the entire loan in half again. In this case the $5,500 is a steep payment to make over 5 years. This is how banks make their money and this is how you loss your money. For our 10,000 dollar loan amount used in this example you can really see how a high interest rate can result in a serious windfall for the bank or lender. This is a prime reason why, if you can, you want to borrow the money from a family member or friend with no interest.

    For the next example we ll use a borrowing and lending scenario where the borrower has an excellent credit rating and relationship with the bank. Their current FICO score is a whopping 770 which most consumers will never have in their lifetime. For a credit score that good you need be a business owner or merchant that has carried substantial credit lines in the past and has done so for many years.

    $10,000 Loan With a FICO of 770 APR 3%

    FICO = 770

    Loan = $10,000

    APR = 3%

    Term = 5 Years

    Monthly Installments

    Interest per year on average = $152.472

    x 5 years interest = $762.36

    Total gross amount to pay back the lender = $10762.36

    Monthly Installment Payment = $176.92

    As you can see, this borrower gets a much better deal. It s all based on risk assessment by the lender in this case the bank. In this case it is most likely that the borrower will have some sort of LOC (line of credit) that is very close to prime, and sometimes lower than prime. This kind of borrower would likely never go to the bank for a relatively small $10,000 dollar loan. These borrowers would simply withdraw the 10,000 dollars from their LOC account and pay it all back in due time. To have a guaranteed LOC account you almost always have to have some sort of collateral in the form of equity. The $10,000 is completely secured by your equity as wrapped up in your LOC.

    For the 3rd example we ll use a credit score of 600 which many consumers and borrowers have these days. The calculation of numbers really explodes in these worse case examples, so hang to your hat this is going to get ugly.

    $10,000 Loan With a FICO of 600 APR 17%

    FICO = 600

    Loan = $10,000

    APR = 17%

    Term = 5 Years

    Monthly Installments

    Loan Calculation Results at 17%

    Total Amount to be payed: $14,320.02

    Total amount of interest $4,320.02



    What Do I Do When the Bank Says I Need a Cosigner? #faxless #payday #loans


    #i need a loan
    #

    The Bank Says I Need a Cosigner

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    Question: I’m applying for a loan but my credit is not great. The bank tells me I need a cosigner. What do I do?

    Answer: There are two ways you can approach this: find a cosigner, or work on getting a loan on your own — without any cosigner.

    The lender needs a cosigner with good credit and adequate income to apply with you. If you can’t find a cosigner that meets their needs, you’ll have to go it alone.

    • How Cosigning Works
    • Credit Score Basics

    The best places to look when you need a cosigner are family and friends. Is anybody willing to help you qualify for the loan? In addition to being nice, you’ll need a cosigner on solid financial ground. As you consider potential cosigners, remember that they’ll become responsible for your loan if something happens to you.

    The bank can make them repay your debt, so you need a cosigner who can handle that risk and who understands it.

    Don’t be surprised if you have a hard time finding a cosigner. They take on 100% of the risk for your loan and not everybody can afford to take that risk. They may like you and believe you can repay, but they can’t predict the future — and any number of surprises can take away your ability to repay.

    Go it Alone

    If you can’t find the cosigner you need, you may not be helpless. Work on building credit. and search for ways to qualify for a loan.



    How much money does personal injury lawyer make #how #much #do #personal #injury #lawyers #make


    #

    How much money does personal injury lawyer make?

    Answer Intellectual property is a general term for 5 basic areas of law, trademarks, copyrights, trade secrets, patents and licensing. A first year litigator can expect to make $80,000 to $150,000 depending upon the firm or corporation where they are employed. Intellectual attorneys handle domestic and international cases including issues connected with the Internet.

    4 people found this useful

    Average salery is $50,000-$100,00.With bonuses and profit sharing.It all depends on their rates they charge,what kind firm they are in.

    10 people found this useful

    According the the American Bar Association there are over 76,000 personal injury lawyers in the US comprised mostly of law firms with 50 or less lawyers. There are also multiple directories that list in excess of 50,000 personal injury law firms and lawyers.

    4 people found this useful

    I practice law for an expensive law firm in D.C. I make about 200k to 300k per year. But my wife is a lawyer for the federal government and gets paid around 410k per year. I recomend that type of lawyer because she makes alot and gets to carry a gun and arrest people.

    Most mesothelioma lawyers work on a contingent fee basis. The client does not have to pay anything up front to hire the lawyer or prosecute the case, but agrees to share a percentage of any settlement or trial verdict with the lawyer. Typical contingency fees range from 30 to 40%. If you asking how much a mesothelioma lawyer makes in terms of his or her salary, that is difficult to estimate. You might be shocked to learn that most new lawyers, right out law school, earn a yearly salary that is much lower than their law school loan debt. But there are also mesothelioma lawyers who have been practicing for many years and have won tens or hundreds of millions of dollars for their clients. As you would expect, their success has earned them a nice living.



    What to Do About Auto Loans for People with Very Bad Credit #personal #loan


    #bad credit car loans
    #

    Do Car Loans for Very Bad Credit Scores Exist?

    While a payday loan may seem like a good way to get cash when you need it to buy a car, there are better alternatives out there, even when you need very bad credit financing. One of these alternatives is car loans for people with bad credit from AutoNet Financial.

    They are meant to appeal to people who need cash quickly and have no other way to get it. In order to qualify for this type of loan, you need a job and some type of income verification (your employer can’t be paying you under the table with cash. Typical loan amounts range from $100 to $2500, while the duration of the loan is usually 2 weeks. Interest rates are loosely regulated by the states for these amounts and average 25% per month (unlike a very bad credit car loan. payday loan interest is computed monthly, not yearly).

    In addition to interest charges, the loan company usually assesses an origination fee. Many of the storefront locations these companies operate out of also offer check cashing services, pawn loans and car title loans.

    Real Bad Credit Car Loans – Why They’re Better

    Here is a typical payday loan scenario when you need a car loan. Let’s say you take out a $2500 payday loan to buy a car instead of choosing car loans for people with very low credit. You give the auto loan company your employment information and a copy of your last pay stub. You pay them the $15 origination fee and sign a document that says you will pay them $625 in interest (25% per month) plus the $2500 in principal in 2 weeks. If you don’t have the entire amount in 2 weeks, the loan company will allow you to roll over the loan for another 2 weeks, provided you pay them the interest amount. Most states will allow this type of rollover to occur at least four times.

    What is the true cost to borrow this money? Well, let’s take a look. If you ended up rolling over the loan four times, for a total of 2 and a half months, it would look like this:

    1. $15.00 in origination fee plus
    2. $2500.00 in interest charges

    This amounts to a total of $2515.00 in interest and charges to borrow $2500.00. This equates to an annual interest rate of over 100%. One other thing: if you don’t pay the principal back, the loan company can garnish your wages – which can be quite embarrassing, to say the least.

    Very Poor Credit Auto Financing

    A better alternative to payday loans are very bad credit car loans from buy here pay here dealerships. These loans feature:

    • At least a 36 month repayment term, repayable in installments;
    • No personal check mechanism or other unfair collateral. Your car is the collateral.
    • Full consideration of the borrower’s ability to repay the loan – the lender reviews your poor credit history for car loans and bases the loan amount on your ability to repay the loan

    If you are considering a payday loan, you should also remember that they do little to help you get back on your feet – much less reestablish your credit history and raise your FICO score.

    If you are not planning on buying a car with a payday loan and, instead, use it to pay off bills, you should know that a better alternative to payday lending is for you to deal directly with your debt. Many creditors will negotiate partial payments if a payment plan is in place. Working out a payment plan with creditors can allow the consumer to adjust billing to pay off bills over a longer period of time.

    Some employers will allow paycheck advances to employees. Because this is a true advance, and not a loan, there is no interest and the advance is much cheaper than a payday loan.

    Payday loans are a type of lending that is considered predatory and should be avoided by consumers at all costs. If you have had poor credit in the past and you need to reestablish your car credit and raise your credit score, you should consider car loans for people with low credit.

    We have 20 years of practice in special finance and work directly with special finance car dealers and the leading automotive financing lenders throughout all of North America. The knowledge and expertise we have gained through years of bad credit car loan financing for people enables us to give you the best assistance possible for your personal situation.



    What to Do With Defaulted and Delinquent Student Loans #no #credit #check #loans


    #student loan default
    #

    Dealing with student loan default and delinquency

    When you have not paid your monthly loan repayment for more than six months, you are either delinquent or in default.

    Take Action Before Being Delinquent or In Default

    There are many ways you can avoid being delinquent or being in default in the first place. It’s always best to avoid default and delinquent loans whenever you can, because negative records will stay on your credit reports.

    1. If you know that you cannot pay for your loans – because you will go back to school, be on military duty – contact the lender ASAP to get loan deferment or forbearance.
    2. Also, you may not have to repay your loan yet, if you just graduated or go to graduate school. Read more about this topic in the grace period section.
    3. Adjust your monthly payments so that it is affordable. Apply for IBR, ICR, and other repayment plans.
    4. Borrow responsibly. Default rates tend to increase with over-borrowing. A good rule of thumb: if your total debt after college will be more than twice your expected starting salary, you are borrowing too much.

    Being Delinquent or in Default for Federal Loans

    Both delinquent and defaulted loans result from missed payments. But they have different consequences and definitions.

    What happens when you are delinquent

    The following are the things that happen when you are delinquent:

    • If you missed any of your loan repayments, you are delinquent.
    • The delinquency begins on the first day after you miss a payment.
    • During the first 15 days of delinquency, your lender must send you at least one written notice or collection letter. They must also tell you that there is the Federal Student Aid Ombudsman Group to help you resolve a federal student aid dispute.
    • The longer you stay in delinquency, the more notifications you will get.
    • When your delinquency goes on for 9 months, your loan holder declares you in default.

    What to do when you are delinquent

    Talk directly to your lender BEFORE you default to go over the options that you have, such as asking for forbearance or deferment or changing your repayment plan. Considering your options sooner than later will not only preserve your sanity, but also your credit score, paycheck, and future financial aid.

    What happens when you are in default

    If you fail to make monthly payments for 9 months (270days), you are in default. (If you pay less frequently, the delinquency period may be extended to up to 330 days.) Once you default, the entire loan balance becomes due.

    The following are some of the consequence of defaulted loans:

    • Being reported to a credit collection agency and credit bureau
    • Garnished (withheld) paychecks
    • Paying collection costs added to the outstanding loan
    • Being taken to court
    • Becoming ineligible for further federal student aid
    • Becoming ineligible for any type of deferment or forbearance
    • Not getting income tax refund

    Keep in mind that most student loans are not discharged or canceled under bankruptcy.

    What to do when you are in default

    • Contact the lender and explain your situation fully.
    • Ask what options are available to you to resolve the problem, and let them know that you are willing to repay.
    • Do not ignore notices from the lender. Always stay in touch to avoid bigger trouble.

    If you think the default is an error

    If you know you are eligible for loan deferment or forbearance, and think that the default is an error, contact the lender and explain your situation.

    If you have been making payments but they were not credited to your account, ask the loan servicer for a statement that shows your payment history.

    Being Delinquent or in Default for Private Loans

    For private loans, you do not have the 9 month period of delinquency before being in default. As soon as you miss a payment, your loan goes into default. Detailed policy and default period will be described in your loan contract.

    In addition, you have fewer options for getting out of default.

    Getting Out of Default

    There are several things you can do if you are already in default.

    Rehabilitation Programs

    Participate in rehabilitation programs that help borrowers get out of debt. With these programs, you can reverse many of the negative consequences of defaulting on a student loan.

    Once you participate, you have to make at least 9 qualifying, on-time student loan payments. If you miss any payments, you have to begin the repayment schedule from the beginning.

    If you complete the repayment schedule, the guarantor transfers the loan to a lender and servicer. The, the loan is considered to be out of default and back into repayment.

    When you successfully complete these rehabilitation steps, you become eligible for financial aid once again, and any of the negative consequences of having defaulted loans will cease.

    Get Professional Advice

    If you are in severe economic hardship, and you know that even with a rehabilitation program you will not be able to pay your future loan payments (i.e. if you are permanently disabled), seek the advice of certified financial advisors and lawyers specializing in bankruptcy.

    Student loans are not automatically discharged with bankruptcy, but by following special procedures you can get it discharged.

    How to Get a Student Loan Discharged in Bankruptcy

    Student loans are not automatically discharged with bankruptcy. You have to prove that repaying the loan would be a severe hardship for you, by submitting appropriate forms and documents to the court, such as

    • Documentation on income and expenses
    • How long your financial problems are likely to continue
    • How hard you have tried to repay your debt


    How Do I Qualify for a Government Debt Consolidation Loan? mobile wiseGEEK #credit #consolidation


    #government debt consolidation loans
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    wiseGEEK: How Do I Qualify for a Government Debt Consolidation Loan?

    To qualify for a government debt consolidation loan, you will typically have to meet the criteria of the lending program in question. Usually, these programs are offered for students who have more than one loan and want to make repayment easier. You can likely qualify if you are not in default or delinquent on your payments. Depending on where you are located and the type of loan in question, you may not have to submit to a credit check as you would if you were hoping to consolidate other types of loans. In fact, when participating in a government debt consolidation program for student loans, you may not even need a job to qualify.

    Typically, you’ll need outstanding government loans to qualify for a consolidation loan. This means that, if you received a loan from a private institution and it was not backed by a government guarantee, it is unlikely that you will qualify. If you have two or more government-granted or -backed loans that are eligible for a loan consolidation program, however, you may qualify to consolidate your debts.

    The first step in qualifying for a government debt consolidation loan is usually learning the criteria of the program in which you are interested. In many jurisdictions, the only type of debt consolidation program available is for people who have student loans. In such a case, qualifying is often very easy. For example, government debt consolidation for student loans is often available without regard to credit history or current income. Likewise, you will not typically need any collateral or a cosigner .

    While your credit history and employment status may not figure in your ability to secure a loan, there is one factor that usually proves critical: payment history. Typically, you will be turned down for this type of loan if you are delinquent on your payments or in default on any of your government-granted or -backed loans. Often, however, government student loan programs have measures in place to allow you to catch up on payments and get out of default status. Once you’ve done so, you can typically apply for and receive a consolidation loan.



    How Do FHA Loans Work? (Pros and Cons) #home #equity #loan


    #what is fha loan
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    FHA Loan Basics

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    Loans from the Federal Housing Administration (FHA) are popular options for borrowers because they allow you to buy a home with a relatively small down payment. Designed to promote home ownership, FHA loans make it easier for people to qualify for a mortgage. But they’re not for everybody, so it pays to understand how they work and when they work best

    What is an FHA Loan?

    In other words, the offers a guarantee to your bank: if you fail to repay the mortgage, FHA will step up and repay the bank instead. Because of this guarantee, lenders are willing to make large mortgage loans in cases when they’d otherwise be unwilling approve loan applications The FHA, an agency of the United States government, has plenty of dough to deliver on that promise.

    Why are They so Great?

    FHA loans are not perfect, but they are a great fit in some situations. The main appeal is that they make it easy to buy property, but don’t forget that those benefits always come with tradeoffs.

    Here are some of the most attractive features:

    Down payment: FHA loans allow you to buy a home with a down payment as small as 3.5%. Other loan programs generally require a much larger down payment.

    Other peoples’ money: it’s easier to use gifts for down payment and closing costs. In addition, sellers can pay up to 6% of the loan amount towards a buyer’s closing costs. You’re most likely to benefit from that in a buyer’s market, but those do come around from time to time.

    Continue Reading Below

    Assumable: a buyer can “take over” your FHA loan if it’s assumable. That means they’ll pick up where you left off – benefiting from lower interest costs (because you’ve already gone through the highest-interest years). Depending whether or not have changed by the time you sell, the buyer might also enjoy a low interest rate that’s unavailable elsewhere.

    A chance to reset: If you’ve recently come out of bankruptcy or foreclosure, it’s easier to get an FHA loan than a loan that does not come with any government guarantee (two or three years after financial hardship is enough to qualify with FHA).

    Home improvement: certain FHA loans can be used to pay for home improvement (through FHA 203k programs)

    Qualification: it’s easier to qualify for an FHA loan.

    How do you Qualify for an FHA Loan?

    The FHA makes it relatively easy to qualify for a loan. Again, the government guarantees the loan, so lenders are more willing to approve loans. However, lenders can (and do) set standards that are stricter than FHA requirements. If you’re having trouble with one FHA approved lender, you might have better luck with another.

    Note: you never know until you apply. Even if you think you won’t qualify after reading this page, talk with an FHA approved lender to find out for sure.

    Income limits: there are none. You’ll need enough to show that you can repay the loan (see below) but these loans are geared towards lower income borrowers. If you’re fortunate enough to have a high income, you aren’t disqualified like you might be with certain first time home buyer programs.

    Debt to income ratios : to qualify for an FHA loan, you’ll need to have reasonable debt to income ratios. That means that the amount you spend on monthly payments needs to be “reasonable” when compared to your monthly income. In general, you have to be better than 31/43, but in some cases it’s possible to get approved with D/I ratios closer to 55%.

    Example: assume you earn $3,500 per month. To meet the requirements, it is best to keep your monthly housing payments below $1,225 (because $1,225 is 31% of $3,500). If you have other debts (such as credit card debt ), all of your monthly payments combined should be less than $1,505.

    To figure out how much you might spend on a mortgage payment. use our online calculator .

    Credit score: borrowers with low credit scores are more likely to get approved if they apply for an FHA loan. Scores can go as low as 580 if you want to make a 3.5% down payment. If you’re willing and able to make a larger down payment, your score can potentially be lower still.

    Loan amount : there are limits on how much you can borrow. In general, you’re limited to modest loan amounts relative to home prices in your area. To find the limits in your region, visit HUD’s Website .

    How do FHA Loans Work?

    The FHA promises to pay lenders if a borrower defaults on an FHA loan. To fund this obligation, the FHA charges borrowers a fee. Home buyers who use FHA loans pay an upfront mortgage insurance premium (MIP) of 1.75%. They also pay a modest ongoing fee with each monthly payment.

    If a borrower defaults on an FHA loan, the FHA uses those collected insurance premiums to compensate the bank.

    Why Not Use an FHA Loan?

    While they come with appealing features, you may find that FHA loans are not for you. They may not provide enough money if you need a large loan. But the main drawback is that the upfront mortgage insurance premium (and ongoing premiums) can cost more than private mortgage insurance would cost.

    In some cases, you can still buy a house with a very little down using a standard loan (not an FHA loan). Especially if you’ve got good credit. you might find competitive offers that beat FHA loans.

    As always, you should compare offers from several different lenders – including FHA loans and conventional loans – before you agree to anything.



    Debt consolidation loans – How do they work? #school #loans


    #debt consolidation loan
    #

    Debt consolidation loans

    Looking to clear a debt? A debt consolidation loan may help to combine debts into one manageable loan.

    If you are currently looking to clear debt and juggling payments to more than one lender you are not alone, but a debt consolidation loan could help.

    Debt consolidation loans

    Compare a range of debt consolidation loans with our comparison tables.

    Debt consolidation loans who are they for?

    We are a nation of debtors, Britain owes over £1 trillion. But rather than trying to pay off the minimum amount for each debt, a debt consolidation loan could reduce your debt to one manageable monthly payment.

    However, you need to look at all of the relevant issues as loan consolidation may not be right or available for you.

    What are debt consolidation loans?

    In the simplest terms, a debt consolidation loan will pay off your existing debts and transfer the monies owed into one loan with one manageable, monthly repayment.

    You will still have to pay back all the monies owed, but with loan consolidation you may be able to reduce your monthly outgoings, pay a lower rate of interest, or be able to spread the costs out over a longer time period.

    What are the benefits?

    If you are careful about managing your spending, debt consolidation loans can help by:

    • Reducing your monthly payments  By spreading out the term of the debt you should be able to reduce your monthly repayments to a manageable level. Most people are often paying the ‘minimum payment’ allowed on the existing debts. This often just means covering the interest component of the loan while leaving the actual total amount owed unchanged.
    • Improving your credit rating  If you are able to pay off the loan and accrue no further debt, this will be seen as a positive impact on your credit rating.It is also a good idea to check your credit report before you apply for a debt consolidation loan.
    • Reducing the interest you pay  If your debts are with store or credit cards that have a high interest rate then you will generally pay back less interest on your debt with a loan.

    Debt consolidation loans

    Compare a range of debt consolidation loans.

    Dangers of a debt consolidation loan

    You may find yourself getting into debt for a longer period than needed, so it s important to weigh up all the alternatives you could take to reduce your debts or help pay off your existing ones.

    These loans should not be the first action to take against debt, especially if there are expenses and outgoings you can reduce or get rid of completely.

    It s worth analysing your budget and looking at what you can afford to pay back on your current debts first.

    How do I get a debt consolidation loan?

    To see if you are eligible for their loan, a lender will look at how much debt you have outstanding and your credit risk.

    If you have a previous history of bad credit or large debts, a lender may only consider offering a secured loan .

    This will require you using your property as security against the loan, reducing the lender’s risk. You need to be very sure you will be able to cope with the loan repayment, as your house could be at risk if you default.

    Today, many personal loans  can be used to consolidate your debts. As with any other borrowing the lender will look at:

    • the amount you want to borrow
    • your credit history
    • how long you need to repay the debt

    If your outstanding debt is low and you have no problems with your credit rating, a personal loan could help you consolidate and reduce your debt.

    Read more…

    • Guarantor loans  Find a loan available to those with bad credit but good friends.
    • How To Strengthen Your Credit Rating
    • Secured Loans Guide A secured loan means the loan is lent against your home house


    Do you do personal loans for people with bad credit that are trying. TD Helps #what #is #a #loan


    #bank loans for bad credit
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    Do you do personal loans for people with bad credit that are trying to get on their feet again ?

    I have bad credit and backed up on bills; looking to get a head again.

    Lyza, Johnston

    October 18, 2014 10:16:53 PM

    Borrowing Managing Your Credit

    In reply to Lyza, Johnston

    Welcome to TD Helps, Lyza and thank you for considering us to help you rebuild your credit! In regards to your question about loans, TD Bank does offer a variety of lending options for your needs. The first step would be determining which type of loan best suits your needs. We invite you to visit http://bit.ly/1f9XZWu for more information on the types of loans we have available. To apply for a loan you may apply online or contact our Financial Solutions Group Specialists 24/7 by calling 800-YES-5020 (800-937-5020). They will be more than happy to answer any questions you may have about loans and also help with the application process. Here are some helpful tools TD Bank offers that may help you understand your credit score and report: http://bit.ly/1jOWoe7 and also check out: http://bit.ly/1nUzsyy on how to build good credit score. If you prefer speaking with a Representative in person, please feel free to stop by a TD Bank store in your neighborhood during normal lobby hours. For hours and locations near you please visit: http://bit.ly/TDStores. We hope this information was helpful, and please let us know if there is anything else we can help with. Have a nice weekend, Lyza!

    In reply to Lyza, Johnston

    I need help desperately, im working on cleaning up my credit through a credit company, to get some where, i have a full time job, just need something to get me started