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10 Ways to Settle Your IRS Tax Debts For Less Than What You Owe – Defense Tax Group, how to find out how much you owe the irs.

#How #to #find #out #how #much #you #owe #the #irs


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how to find out how much you owe the irs

How to find out how much you owe the irs

10 Ways to Settle Your IRS Tax Debts For Less Than What You Owe

Do you Find dealing with the IRS frustrating, Intimidating and Time-consuming. You’re not alone.

How to find out how much you owe the irs

While taxpayers may always represent themselves in front of the IRS, many turn to professional tax help (specialized IRS Tax attorneys, CPAs, and Certified Tax Resolution Specialists) in order to maximize their chances of winning a tax settlement while minimizing their contact with the IRS agents. Owing the Internal Revenue Service (IRS) money is intimidating to most people. The IRS has the power to garnish your wages, seize your assets and place a lien on your property in order to obtain the money that you owe them. However, these actions can be prevented by communicating promptly with the IRS about your situation. The IRS is usually willing to work with taxpayers, and there are several options available so that you may resolve your debt issues.

10 Ways to Settle Your IRS Tax Debt

1. Installment Agreement:

2. Partial payment installment agreement:

How to find out how much you owe the irs

3. Offer in Compromise:

4. Not currently collectible:

5. Lower Your Debt With Credit Card Debt Settlement:

How to find out how much you owe the irs

There are two methods of credit card debt consolidation: through a credit card debt settlement company or on your own. Credit card debt settlement companies should be avoided. They collect your payments for months before making a settlement offer if they make an offer at all. Meanwhile, you continue receiving collection calls and negative payment marks on your credit report. You ll get better and faster results settling debts on your own.Final credit card debt settlement agreements should be in writing. Either draft an agreement of your own or have your credit card company send you an agreement. Make sure you and someone from your credit card company have both signed the agreement before you send payment.

6. File bankruptcy:

Income tax debts may be eligible for discharge under Chapter 7 or Chapter 13 of the Bankruptcy Code. Filing for bankruptcy is one of five ways to Tax Debt Relief, but you should consider bankruptcy only if you meet the requirements for discharging your taxes. Chapter 7 provides for full discharge of allowable debts. Chapter 13 provides a payment plan to repay some debts, with the remainder of debts discharged

How to find out how much you owe the irs

7. Release Wage Garnishments.

8. Stop the IRS from Levying Your Bank Account.

9. Innocent Spouse Relief.

How to find out how much you owe the irs

10. Pay Attention to the Expiration of the Statue of Limitations.

This is a useful tool because you can file for a collection appeal to stop an IRS levy, lien, seizure or the denial or termination of an installment agreement. The collection appeal gives you the opportunity to explain how you think the situation could be solved without the IRS levy or seizure.


Used Tesla cars – Find Tesla Used Cars for Sale on Auto Trader

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TESLA Used cars for sale near you

Tesla Model S E P90D Executive Edition (Insane) CVT 4×4 4dr (Nav)

HUGE SPEC MUST SEE

Used TESLA cars on Auto Trader

Auto Trader is the best place in the UK to compare TESLA cars available for sale. We partner with local TESLA dealers across England, Wales, Scotland and Northern Ireland to provide you with the biggest choice of TESLA cars available in your area. Auto Trader is proud to help you in every step of your purchase, by sharing with you both car reviews written by our experts and by drivers of TESLA cars. You can also find great insurance deals and other useful services and information when it comes to buying or selling a car.

Popular models

Stay in touch with Auto Trader:
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Copyright Auto Trader Limited 2017. Auto Trader is authorised and regulated by the Financial Conduct Authority in relation to consumer credit and insurance mediation activities. Our FCA firm number is 735711.

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Turn off the part-exchange guide filter here to view all cars available on Auto Trader.


3 injured when argument over Raleigh park leads to shooting

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3 injured when argument over Raleigh park leads to shooting

Raleigh, N.C. Raleigh police are investigating after three people were shot Tuesday afternoon.

Authorities said that three people sustained non-life threatening injures after a shooting in the 1000 block of Addison Place at about 3:30 p.m.

One witness told WRAL News that he heard several shots in quick succession and saw a person lying in the driveway of a nearby home.

Neese Raines said she walked outside her home to see her two sons, Malik Raines, 21, and Devone Raines, 16, and her nephew, Donzell Jones, 18, shot.

“They come over here, messing with my kids,” she said.

Raines said the shooting started with an argument that began when another group did not want her children to go to a neighborhood park.

“My son couldn’t even go to the park. They are telling him he can’t go to the park,” she said. “He couldn’t go to the park because they call themselves gang members.”

All three shooting victims are expected to recover, but the level of violence has family friend Victoria Wilkins worried for her own child.

“He told the kid he couldn’t to to the park and it was supposed to be just a fight and then ended up being a shooting. They didn’t even know they were going to get shot,’ said Wilkins.

At one point Tuesday afternoon, police detained several people not far from the shooting scene. Police have not said if any arrests were made.

Anybody with information is asked to call Raleigh Crime Stoppers at 919-834-4357.

More On This

Amanda Alston Feb 1, 3:36 p.m.

George, did you read the article? They were 21 and 16 so I m guessing the 16yo wanted to go to the park and his brother was backing him up. It happened at 3:30 so ALL schools were out. How do you make a blanket statement that they should be at school or work?

QUOTE Report as abuse

  • Jim Dunn Feb 1, 9:30 a.m.

    View quoted thread

    I don’t think terrorism is biggest threat. Our biggest threat is right here in our neighborhoods!

    Posted by Reggie Berryman

    The police cannot change the neighborhood with enforcement. The people living there have to change the culture and the minds of the residents.

    QUOTE Report as abuse

  • Catherine Edwards Feb 1, 8:59 a.m.

    It s 3:30pm and a 21 and 18 year old want to hang at the park? They should be at work or school at that time. The mom needs to get a clue.

    QUOTE Report as abuse

  • Amber Perry Feb 1, 7:36 a.m.

    View quoted thread

    I don’t think terrorism is biggest threat. Our biggest threat is right here in our neighborhoods!

    Posted by Reggie Berryman

    Depends on the neighborhood you live in.

    QUOTE Report as abuse

  • Reggie Berryman Feb 1, 6:37 a.m.

    I don t think terrorism is biggest threat. Our biggest threat is right here in our neighborhoods!

    QUOTE Report as abuse


  • How to Find Low Interest Rate Personal Loans Online #car #mortgage #calculator


    #low interest rate loans
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    Things You’ll Need

    Consider Peer-to-Peer lending – The primary reason why banks are forced to charge such high interest rates on personal loans is the amount of risk they are assuming. When borrowing $2,500 from a bank, there is only one entity that will be damaged if you default on your loan. With peer-to-peer lending, also known as social lending, hundreds of investors pool their money together and lend it out in various packages.

    Instead of borrowing the entire amount from one entity, you can borrow $25 from 100 different people. Since the amount that each person is investing in you is smaller, the perceived risk is also smaller, thus resulting in being able to obtain low interest personal loans.

    Develop Your Story – If you should decide to borrow money from one of these lending networks, you must fully develop your story. Consider things as:

    • Why do you need this personal loan?

    • What are you going to do with the money?

    • How do you intend to repay this debt?

    Gather Appropriate Information – Along with you personal story, you must also provide some relevant personal information. Gather such information as your current credit score and the number of delinquencies that you have had in the past 24 months.

    You should also develop a personal profit loss statement for the past 12 months showing how much money you earn versus how much your monthly expenses total. Low interest personal loans can be easier to obtain online than at your current bank. Always seek the opinion of a qualified financial adviser before applying for any loan online.



    How to Find a Bad Credit Mortgage for Your Home #bad #credit #cash #loans


    #getting a loan with bad credit
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    How to Find a Bad Credit Mortgage

    By Elizabeth Weintraub. Home Buying/Selling Expert

    Elizabeth Weintraub has an extensive background in real estate spanning more than 30 years, including experience in related industries such as title and escrow. She is a full-time broker-associate at Lyon Real Estate’s midtown Sacramento office and is recognized as a top producer. She is also a Life Member of the Master’s Club, an honor bestowed by the Sacramento Board of REALTORS , and ranks in the top 1% of all the agents at Lyon Real Estate.

    CA BRE License #00697006

    Continue Reading Below

    If you just completed a short sale. you might want to wait 2 years before applying for a mortgage because you ll get a much better rate if you wait. Fannie Mae guidelines say a short sale seller can qualify in 2 years for a loan as long as the seller maintains good credit after the short sale .

    Even if you ve filed bankruptcy, as long as you keep your credit squeaky clean after the discharge, you can probably qualify for an FHA loan in a couple of years. FHA loans don t necessarily carry credit score minimums. but the lenders who fund the loans do want a minimum FICO score .

    Tips for a Bad Credit Mortgage

    Make sure you check out the mortgage broker with your state s licensing board and deal only with a reputable company. Do not get a hard-money loan through a loan shark. Following are some tips for taking out a bad credit mortgage:

    • Think of the bad credit mortgage as a temporary solution. Make it short term. This does not mean get a short-term loan, but plan on paying the loan no longer than 2 years before you build up your credit enough to get a decent refinance .
    • Consider an adjustable-rate mortgage. Your interest rate will be high for a fixed-rate amortized loan. much higher than the rates you will find advertised online at websites such as bankrate.com. You will most likely pay higher discount points. too. By getting an adjustable-rate mortgage, you should be able to keep your mortgage payments low enough to be somewhat manageable.

    Continue Reading Below

    • Do not agree to a prepayment penalty. A prepayment penalty means you could pay as much as 6 months of additional interest if you pay off the loan early. Since most of your payment is interest and not principal, that s like paying an extra 6 months of payments. Don t do it.

    Alternative Options to a Bad Credit Mortgage

    Work with a mortgage broker to shop for the best loan available without having to resort to a bad credit mortgage. The first option is to work on repairing your credit.

    • Get a free copy of your credit report. Examine it. If you see a mistake, write to the credit bureaus and ask for a correction.
    • Ask your mortgage broker about submitting you for a rapid rescore. Your mortgage broker can help you to repair your credit or refer you to a reputable credit repair company. Then a rapid rescore through your mortgage broker might considerably increase your FICO score in a relatively short period of time. Rapid rescore is a mortgage industry secret tactic.
    • Consider a co-signer. For example, FHA guidelines will allow a co-signer on your loan. Maybe your parents or another relative could co-sign for you and you could avoid a bad credit mortgage.

    At the time of writing, Elizabeth Weintraub, DRE # 00697006, is a Broker-Associate at Lyon Real Estate in Sacramento, California.



    Home Equity Loan Massachusetts: Find Home Equity Loan Rates in MA #new #car #loan


    #best home loan rates
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    Home Equity Loan in Massachusetts

    Apply for a Massachusetts home equity line of credit or loan

    Whether you make your home near the sandy beaches of Cape Cod, in the wooded mountains of the Berkshires or in the cultural center of Boston, Massachusetts has something for everyone. These wonderful locations and many more throughout the state make Massachusetts a great place to live. You can improve your home even more with a home equity loan in Massachusetts.

    You can access the equity in your house with a competitive home equity loan rate in MA brought to you by Citizens Bank. With the funds you get from this loan, you can pay for major expenses and meet other financial obligations:

    • Pay for large medical or tuition bills with a Massachusetts home equity line of credit.
    • Use a Massachusetts home equity loan to replace your driveway, remodel the master suite or replace the roof.

    As a Boston bank, our home equity loan rates are attractive and can help you finance some of the bigger expenses in life. If you need to renovate your Boston brownstone, buy a new car for your weekend drives through Cambridge, or finance your child’s education, you can do that with a Massachusetts home equity loan.

    Start your home equity loan application in Massachusetts

    When you’re ready to apply, start the home equity loan application process online by answering a few questions about your borrowing needs, and we’ll contact you by the end of the next business day to complete your application and walk you through the next steps in the process. You can also learn more about our home equity products.

    Check out our other Massachusetts products:



    Find the Cheapest Loans – Get a Cheap Loan Comparison Now #payment #calculator


    #cheapest home loan
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    UK s cheapest loans

    Everyone wants to find the best personal loans at the lowest price possible, but cheap loans are not one size fits all .

    • What are the best loans?  the best loans are usually just the cheapest loans
    • How to find the best loan rates for cheap loans know how much you want to borrow, how long for, and shop around
    • Which cheap loans are best for me? Consider how much you can afford to repay each month, the quicker you repay the less you will pay, but the larger the monthly repayments will be
    • Types of cheap loans car-loans, personal/unsecured-loans and secured loans
    • Getting cheap loans online Many loan companies operate exclusively online, this helps them cut costs and provide
    • Will my credit rating stop me getting the cheapest personal loan? your credit rating will determine your eligibility for the best unsecured loan rates

    Compare cheap loans

    Compare low APR personal loans from £1,000 to £35,000 and find the right loan for you.

    The cheapest loans are built around a set of criteria that will be different for everyone. Use our comparison tables to find a loan specialised to your needs.

    We explain how to find the cheapest loan for you with the lowest interest rate and explain what you need to know before choosing one.

    What are the best loans?

    As you can compare the cost of the loan upfront, loans compete almost exclusively on price alone, so the best loans are usually just the cheapest loans with the best loan rates.

    However, other things come into consideration to determine the best loans, such as how flexible a lender is, if you can enjoy any repayment holidays, customer service, how long the term is and how long your application will take.

    How to find the best loan rates for cheap loans

    Our personal loans comparison service can help you find the best loan rates available to you.  To find a cheap loan, we will need to know:

    • how much you want to borrow
    • how long you need to repay the loan

    From this information, our comparison service will find the cheapest personal loans for you.

    When you are looking at your results you ll want to find the low interest loans. these are the ones with the lowest annual percentage rate (APR) for the amount and repayment period you want.

    The APR takes into account the cost of interest on the loan and any set up fees or charges.

    Which cheap loans are best for me?

    A loan is a big commitment, so when you are looking for the best loan deals, as well as the APR, there are a number of other things to think about:

    • Can you afford the monthly repayments?
    • Are your circumstances likely to change in the future in a way that could affect your repayments?
    • Will the lender allow you to pay back your loan early if you want to?
    • Is there an arrangement fee?
    • Can you take a payment break or defer your loan payments if you need to?

    Compare cheap loans

    Compare low APR personal loans from £1,000 to £35,000 and find the right loan for you.

    Types of cheap loans car loans, personal and secured loans in the UK

    Broadly speaking there are three different types of loan you can apply for in the UK:

    • Personal loans unsecured loans. normally offered against your credit score
    • Secured loans loans which are typically secured against your home, these are more suitable for long term loans in the UK, with payment terms of up to 25 years
    • Car loans car loans in the UK can be secured against your vehicle, or simply a form of unsecured personal loan

    Getting cheap loans online

    It s likely than many of the cheapest UK loans are not necessarily bank loans. Online loans have emerged as cheap loan competitor in the UK in the past 10 years, meaning many of the UK s cheapest loans are to be found with online specialist companies, or even unorthodox lenders such as peer to peer loan companies.

    Will my credit rating stop me getting the cheapest personal loan?

    If you have had problems in the past, you may not be eligible for the cheapest loans as you will not meet the loan s requirements.

    Often the best loan deals are given to people with the best credit ratings – as a result the rate you’re offered may be higher than the advertised rate.

    Sometimes the lender will try and offer an alternative loan with a higher interest rate.

    The rate you’re offered will also vary depending on how much you borrow and how long you want to repay the loan over.

    Make sure you do another comparison to see if you can find your cheap loan with another lender.

    Read more…

    • Credit Unions Banks and payday lenders aren t the only places you can get a loan
    • Guaranteed No Credit Check Cards Some cards may not require a credit check
    • How To Strengthen Your Credit Rating A good credit rating will determine whether you re offered credit and at what rate


    Find Quick Payday Loans Online – Get Approved Fast #compare #home #loan #rates


    #quick payday loan
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    Quick Payday Loans Provide Assistance When It Is Most Needed

    If you need to apply for a loan, chances are you need it quickly, most likely for an unexpected bill that suddenly occurred. Emergency bills are expenses that cannot be predicted and can upset the financial applecart. If you are in need of quick cash and are not certain where to obtain it, quick payday loans may be able to help you.

    An unexpected bill usually requires prompt payment, but it may come at a time when you do not have adequate funds to handle it. If you have just been paid and your paycheck has been depleted, you cannot wait until you get paid again. Your emergency bill will not disappear, so you need to rely on a way of getting quick cash in order to take care of this financial dilemma. Quick payday loans can provide you with the money you need within one day of being approved.

    There are requirements that have to be met in order to get this type of loan, whether you are using an online lender or going to a cash advance store.

    • Your age must be at least 18.
    • You must be a resident of the U.S.
    • You will need to provide a home and work phone number and have a valid email address.
    • You will also need to have a steady source of income of at least $1,000 a month after taxes have been withdrawn.

    A store will require you to also produce photo ID. An online lender will require you to have a valid checking account so that your funds can be electronically deposited. This will provide you with faster service. If you do not have a checking account but do have a savings account, ascertain whether the lender will accept it, as some lenders do use savings accounts in the place of checking.

    Quick payday loans can be a blessing for those with poor credit, as a credit score is not necessary. Since this is an unsecured loan, collateral will also not be required. The loan is meant to be for a short period of time, usually paid back when the next paycheck has been received unless an extension has been requested from the lender.

    Payday lenders may issue loans in amounts ranging from $50 to $1,000. Sometimes, a higher amount can be obtained. Loan periods can range from ten days to thirty-one days, though there are lenders who will issue loans for a period of 100 days, giving borrowers ample time to get adequate funds together for a repayment.

    Through online lenders, quick payday loans can provide borrowers with the following benefits.

    • It is a convenient way of getting quick cash without having to use a bank or a credit card.
    • Online lenders can provide funds through a computer transaction, allowing individuals to receive the money they need very promptly. Both deposit and repayment of the loan can be handled electronically. With automatic repayment, borrowers will not have to worry about forgetting to pay back the loan, thus incurring additional fees.
    • The application process for online lenders is simple and fast, taking about five minutes in total time. After the application has been submitted, approval can come about almost immediately.
    • Online lenders can also provide secure sites with encryption of personal information, allowing borrowers to transmit their sensitive and private data safely.

    When those times occur where a bill needs to be paid and the money is not available, you will want to consider quick payday loans to help you out of a tough financial situation.



    Find a Store, Payday Loans, Get Cash Fast #online #car #loans


    #payday loan today
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    Speedy Cash Stores

    Originally founded in 1997, Speedy Cash now operates hundreds of stores across the U.S. We’re continuously growing and opening new store locations, so check back frequently to find new Speedy Cash payday loan stores in your area!

    How Can I Get Cash Fast?

    Speedy Cash stores offer a variety of cash loans to help keep you afloat from one paycheck to the next. From short-term solutions like check cashing or payday loans, to more long-term financial assistance like installment loans or a personal line of credit, your local Speedy Cash store is here to help. We offer a variety of financial services designed to help you get cash when you need it, and as painlessly as possible. Speedy Cash services, rates and regulations vary by state – and sometimes by city.

    Life doesn’t wait for your next paycheck, so why should you? Whether you need quick cash to pay for emergencies, money to cover your bills, or you simply need to cash a check with no holding period, your local Speedy Cash store is your go-to source for all of your fast cash needs.

    Speedy Cash understands that financial shortfalls can come at times when you least expect them, and we think you should have access to cash whenever you need it! That’s why all Speedy Cash payday loan stores and check cashing stores have extended operating hours, and are open even on the weekends. Our team members can walk you through our various products to find the best service for your financial needs. Even with bad credit or no credit at all, you could be walking out of your local Speedy Cash store with cash-in-hand in minutes!

    Services offered in Speedy Cash stores include:



    How to find an small auto loan? myFICO® Forums #loan #calculation


    #best auto loans
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    Website Navigation:

    I am looking for an small auto loan for 1 – Improving my credit score and having different types of accounts in my history. 2 – to cover my small shortage of money. The problem is I dont like to get a big loan and purchase an almost expensive car. I am student and prefer to keep my life simple and manageable.

    My credit scores are between 665 – 690. no late payment or no negative problem is in my account. I have stable job in university and earn 2000$ each month.

    I am trying to purchase a used car. some thing about 4k – 5k. I can put up to 2500 $ in cash as down payment. so looking to an small 2500 $ or even 2k loan. I can afford 200 $ monthly payments too. But the problem is most of banks and lenders do not offer such small loans. How can I find such a loan for myself. As I know some auto dealers themselves are offering such small loans to the buyers. and then they report it to the credit unions. But as I know dealers are charging a lot of doc fees for such loans. and also they increase the auto price too. so I prefer to find a small loan myself. Can I find lenders offering such an small loans. or auto dealers are my only chance ?



    Loan Balance Calculator – Find out how much you owe on your loan. #poor #credit #auto #loans


    #car loan calc
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    Calculate your loan balance based on current payment, interest rate and remaining term

    What is the balance on my loan?

    Additional Information

    Credit and the Consumer

    While credit stimulates the economy, it does have to be used judiciously. Credit is not money. Derived from the Latin word for “trustworthiness,” credit is based on faith that the borrower will repay the debt with real money. One should not use credit in place of money when there is little or no likelihood that payment in real money will be made using credit without the intent or ability to pay is theft.

    Today, credit has become a business in its own right. Credit is issued by banks, savings and loans, credit unions, public utilities, and even merchants. According to the Federal Reserve, there was more than $2.5 trillion of consumer debt outstanding by late 2009 this is more than double the amount outstanding in 1994. This represents hundreds of billions of dollars in interest earnings to lenders. This is why credit card companies aggressively compete to get you to use their credit cards and services. The marketing is so aggressive that consumers may lose sight of the fact that this is not free money and make excessive purchases to the point where they find themselves in financial difficulty.

    What Are The Benefits Of Credit?

    Without credit, the global economic system would grind to a stop. Credit allows borrowers to immediately buy things they could not afford now. Most persons would not be able to purchase a house without credit. Most young adults do not have sufficient savings to afford the cost of even the most humble of homes. Yet, credit allows them to purchase a home that they can gradually pay off over time as their earnings increase. Without credit, many individuals would not be able to purchase an automobile. Credit also makes it convenient to make spontaneous purchases without the need to carry large sums of cash or checks.

    Businesses rely upon credit to manage their cashflow. Manufacturers borrow money to buy raw materials. Merchants buy goods on credit from manufacturers. Consumers buy goods from merchants on credit. Without credit, the process would slow to a halt.

    Responsible Use Of Credit

    While credit is very important to the economy, its abuse is harmful. Credit is extended with the faith that borrowers will repay the debt. Goods and services are provided on credit with the expectation that they will be paid for with money in the future. Credit makes commerce more convenient. When credit is abused, everyone loses. Credit abuse increases the cost of credit to everyone.

    One should never use credit to purchase things for which one will not be able to pay in the future. Many impulse purchases are made on credit with little thought given to how the debt will be repaid in the future. If one calculated the true cost of goods bought on credit, one would have second thoughts about making the purchase in the first place. Here is an example: a new television flat-screen HDTV model retails for $5,000. If purchased on a credit card with a 12% annual percentage rate (APR) compounded daily, and with minimum monthly payments of $166 paid over three years, it winds up costing over $5,980. Is it worth almost $1,000 more to have it now (furthermore, the retail price in 3 years will probably drop)? That is like going into a store that advertised “SALE–ADD 20% TO EVERY PURCHASE.”



    Mortgages With Low Rates, Find The Home Loan For You #unemployment #loans


    #low rate loans
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    Loan Options

    Mon to Fri 8:30AM-5:30PM CST

    Check out some of our most popular loan options:

    The 30 year fixed rate mortgage is one of the most popular and secure home loan options available, especially if you want your monthly payments to be low and never change. Apply now for a 30 year fixed rate mortgage.

  • 15 Year Fixed Rate Mortgage
    If you re looking to save thousands in interest expense and you want to own your home quicker versus a 30 year fixed rate mortgage, a 15 year fixed rate mortgage could be good for you. Plus, your payment and interest rate will never change during the term of this mortgage. Apply now for a 15 year fixed rate mortgage.
  • Adjustable Rate Mortgage (ARM)
    Take advantage of the lowest rate available with an adjustable rate mortgage! It s a great loan option if rates are on the decline or you re staying in your home for a short time. Apply now for your ARM.
  • FHA Loan
    Offering loan flexibility and rate security if you want it, an FHA loan is an easy way to get a new home loan. Downpayments can be as low as 3.5%. Apply now for your FHA loan.
  • VA Loan
    With relaxed credit standards and low down payment options, the VA loan is geared specifically to help veterans and military personnel get a mortgage and own a home. Apply now for your VA loan.
  • Jumbo Loan
    If your home loan amount exceeds the current conforming loan limit (in most cases $417,000), a Jumbo loan is likely a good choice for you. Jumbo loans can be of the fixed or adjustable variety. Apply now for a Jumbo loan.
  • Interest Only Mortgage

    An interest only mortgage is great if you are interested in the lowest possible monthly payment for an initial period of time. Apply now for an interest only mortgage.

  • Looking for additional information about your home loan options?

    Should you get a Fixed or an ARM. See what the differences between the two home loan choices are and which one fits better for you.

    Want to know more about the mortgage process or how to save money by refinancing? Check out our free e-books, Demystifying the Mortgage Process and “Time to Refinance Your Mortgage? The Five Most Important Questions to Answer.” The e-books are jargon-free and help you through the process, whether you’re a prospective home buyer or looking to get a lower mortgage rate by refinancing. Submit your loan inquiry and Download it now for free.

    If you re not sure which loan option is right for you, call us at 1-866-934-7283  or find a friendly, home loan expert near you, and we ll be happy to help you.



    How to Find the Best Pre-Approved Auto Loans Online #loans #for #people #with #bad #credit #instant #decision


    #online auto loans
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    How to Find the Best Pre-Approved Auto Loans Online

    There are many benefits of finding a pre-approved auto loan online rather than at a local bank or car dealership. Before you agree to auto loan pre-approval from a lender, do some online research to be sure you re really getting the best deal you can.

    Variety of Auto Loan Options

    When you want to find the best pre-approved auto financing deals, shopping online will open up a world of possibilities you wouldn t otherwise know about. While many of the financial institutions that offer pre-approved auto loans will let you apply online as well, there are plenty of lenders who only offer loans over the web. You are no longer limited to local options and can be approved for a loan from anywhere.

    Convenience

    It takes a lot of time to meet with several lenders and discuss pre-approved auto financing options. Imagine the time you could save if you found the loan terms you desire without ever leaving your home. Once you find a loan you would like, the application and approval process are usually very quick and you could be driving your new car home the next day.

    Best Interest Rates

    It s easy to negotiate an affordable pre-approved auto loan interest rate when shopping online. If you don t like an offer, simply move on to the next. You can compare many rates at once. The comparison shopping is done for you and you only see the lowest rates available. This way, you can easily eliminate expensive loans and avoid wasting time with lenders who can t offer what you need.

    Getting a pre-approved loan online is much more accessible now for many consumers. You can take advantage of the convenience to make your car shopping experience that much better. However, if you do need help or have questions, nothing beats talking to a professional who knows the industry. As always, it s a good idea to keep your options open.



    Find Top Payday Loan Lenders Online with the New Review Service #4000 #loan


    #payday loan direct lenders
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    PaylessPaydayLoans.com helps find best rated online personal loans – features real people reviews, lender rankings and more. Bad credit – OK.

    Researching and comparing payday lenders is as important as comparing auto and mortgage loan providers.

    New York, NY (PRWEB) September 22, 2011

    When it comes to securing a payday loan online, there are many options available. We habitually compare auto and mortgage loan companies but seldom does it occur to us that researching cash advance lenders should be of equal importance. PaylessPaydayLoans.com will help do just that – research and compare personal loan lenders. The site features consumer rankings for top online payday loan companies in U.S. One can sort lenders by state of residence which especially comes handy these days because of differences in state regulations pertaining to payday loans.

    Each company on the list has been reviewed by real customers who went through the application and loan approval process with the lender. This adds an extra layer of trust and security for users. The ranking system employs several indicators, including:

    1. Approval Rate

    The number of approved applications for the lender as a percentage of the total number of approved applications for all lenders.

    2. Simplicity and Speed of the Application Process

    Combines such factors as the length of the application; application turnaround times (e.g. instant approval), # of required documents, etc.

    3. Loan Terms and Costs

    Flexibility of the loan terms (the availability of short-term and long-term installment loans, etc.), average approved loan amounts, Annual Percentage Rates (APRs), etc.

    Finding answers to many questions about payday loans has never been easier with the new FAQ section of the site. For instance, most of us still believe that our Social Security Number is asked for in order to run a credit check. But the truth is SSN is used solely for identification and teletrack verification purposes, in most cases. One s credit history is never a decision factor when it comes to payday loans. This type of personal funding is perfect for people with bad credit who are often rejected by mainstream credit card companies and banks.

    One of the more advanced features planned for this month release will provide a comprehensive report on bad credit sources for short-term and long-term personal loans. This report will be free of charge and will include a detailed list of lenders with in-depth descriptions, analysis and rankings by real customers.

    The U.S. payday loan industry is quite volatile due to many legislative initiatives sponsored by individual states to protect ordinary borrowers from predatory lending practices some lenders have been known for. These initiatives range from interest rate and maximum loan amount caps to loan repayment terms, max # of issued outstanding loans per borrower, the borrower s income verification procedures, and so on. In view of these recurring changes, a new legal section is being developed that will list current payday loan regulations for each state. This will allow users to make better educated decisions concerning cash advance loans.

    CONSUMER NOTICE: A payday loan, also referred to as cash advance, should be used for urgent or emergency expenses, such as paying a cell phone or electricity bill. Such a loan may also serve as a bridge between paychecks to leverage personal finances.

    # # #

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    Find a Private Lender #home #mortgage #loans


    #private loan lenders
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    Private Lenders

    Private lenders are generally comprised of experienced individuals, or groups of individuals willing to make private mortgages for higher interest rates.

    Finding the right private lender is like looking for a needle in a haystack. The reason you have to dig is because they often serve very specific niches such as non-owner occupied rehab loans. multi-family lending, or commercial lending. These lenders also tend to be smaller companies and work mainly on referral and word of mouth.

    The main reason PrivateMoneyLendingGuide.com was created was to help you find a lender as well as educate you about the hard money lending industry as a whole.

    Here are five steps to help you best locate a private or hard money lender that will serve your needs:

    Step 1: BROWSE THE PRIVATE MONEY LENDING GUIDE SITE

    Just do it! There s a lot of information on our site and it s all for you. We suggest reading a few articles before contacting private lending companies in order to bring yourself up to speed with what you should expect and the due diligence you need to perform the deal you wish to present.

    Step 2: SEARCH THE PRIVATE LENDER DIRECTORY

    After you ve read a few articles, search the private lender directory to find a specific lender that you feel will be a good match to fund your private mortgage.

    Step 3: CONTACTING A PRIVATE LENDER

    An easy way to introduce yourself is: Hi, my name is Sally Smith and I found your information on the Private Money Lending Guide directory. I have a project that I m working on that I would like to discuss with you. Do you have a few minutes?

    More often than not, you will be speaking with the principal owner or manager of the firm who will be very knowledgeable and helpful about is possible regarding your loan. Remember to discuss all aspects of your scenario and find out exactly what the hard money lendeR s loan requirements are.

    Step 4: SELECT A PRIVATE LENDING COMPANY

    Once you have interview a few private lenders and found someone with whom you feel comfortable, make sure to discuss the next steps with the lender, including a visit to the property and completing a loan application to determine if they can fund your loan.

    Step 5: CONTACT YOUR FRIENDLY PMLG TEAM



    Find Quick Payday Loans Online – Get Approved Fast #payday #loans #for #unemployed


    #quick payday loan
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    Quick Payday Loans Provide Assistance When It Is Most Needed

    If you need to apply for a loan, chances are you need it quickly, most likely for an unexpected bill that suddenly occurred. Emergency bills are expenses that cannot be predicted and can upset the financial applecart. If you are in need of quick cash and are not certain where to obtain it, quick payday loans may be able to help you.

    An unexpected bill usually requires prompt payment, but it may come at a time when you do not have adequate funds to handle it. If you have just been paid and your paycheck has been depleted, you cannot wait until you get paid again. Your emergency bill will not disappear, so you need to rely on a way of getting quick cash in order to take care of this financial dilemma. Quick payday loans can provide you with the money you need within one day of being approved.

    There are requirements that have to be met in order to get this type of loan, whether you are using an online lender or going to a cash advance store.

    • Your age must be at least 18.
    • You must be a resident of the U.S.
    • You will need to provide a home and work phone number and have a valid email address.
    • You will also need to have a steady source of income of at least $1,000 a month after taxes have been withdrawn.

    A store will require you to also produce photo ID. An online lender will require you to have a valid checking account so that your funds can be electronically deposited. This will provide you with faster service. If you do not have a checking account but do have a savings account, ascertain whether the lender will accept it, as some lenders do use savings accounts in the place of checking.

    Quick payday loans can be a blessing for those with poor credit, as a credit score is not necessary. Since this is an unsecured loan, collateral will also not be required. The loan is meant to be for a short period of time, usually paid back when the next paycheck has been received unless an extension has been requested from the lender.

    Payday lenders may issue loans in amounts ranging from $50 to $1,000. Sometimes, a higher amount can be obtained. Loan periods can range from ten days to thirty-one days, though there are lenders who will issue loans for a period of 100 days, giving borrowers ample time to get adequate funds together for a repayment.

    Through online lenders, quick payday loans can provide borrowers with the following benefits.

    • It is a convenient way of getting quick cash without having to use a bank or a credit card.
    • Online lenders can provide funds through a computer transaction, allowing individuals to receive the money they need very promptly. Both deposit and repayment of the loan can be handled electronically. With automatic repayment, borrowers will not have to worry about forgetting to pay back the loan, thus incurring additional fees.
    • The application process for online lenders is simple and fast, taking about five minutes in total time. After the application has been submitted, approval can come about almost immediately.
    • Online lenders can also provide secure sites with encryption of personal information, allowing borrowers to transmit their sensitive and private data safely.

    When those times occur where a bill needs to be paid and the money is not available, you will want to consider quick payday loans to help you out of a tough financial situation.



    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


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    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.



    Barber Schools & Barber College Information: Education & Careers #barber #school, #barber #schools, #barber #college, #beauty #school, #beauty #schools, #barber #shop, #barbering, #become #a #barber, #find #barber #school


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    Barber School and Barber Schools Info

    Why Consider a Barber School?

    If you have a knack or passion for cutting, coloring and styling men’s hair – a career in barbering and men’s hairstyling may be perfect for you! And choosing one of the many reputable barber schools to get your education about styling men’s hair is the first step down that path. Becoming a barber is an ambitious, respectable career choice, and it calls for talented, driven individuals who are interested in fulfilling, challenging careers in men’s grooming. Find a barber school near you to get started on your education in cosmetology for men’s appearance services.

    How BeautySchool.com Can Help You Further Your Barber Career

    BeautySchool.com offers several benefits for potential students who want to start a career in barbering. If you want to know what your training options are without searching countless websites, you can request information from multiple schools right here in one place. Plus, BeautySchool.com is a valuable resource that barbers rely on throughout their education and careers. Even those who are already working in the business refer to us for the latest news and information that’s relevant to their careers, and for continuing education and license renewal information. Use the search tool above to find barber schools in your area and compare your options. Then request information about the programs that interest you so you can compare and contrast the benefits to find the right one for you.

    What You Learn in Barber Schools

    In barber school you will learn a long list of traditional and mdoern barbering skills to get ahead in the male grooming industry. You will learn the basics and advanced techniques in cutting, trimming, coloring and styling men’s hair. You will also learn the art of the shave to perform facial shaving services and beard maintenance. A school of barbering will teach you about hairstyling, shaving, scalp treatments and possibly even fitting and adjusting wigs or artificial hair. Many barber schools will also teach you important skills in business management and marketing yourself as a barber, because many graduates of barber coleges go on to open their own independent barbershops. Of course, you will also learn about important sanitation and safety practices in barber school to keep a safe, clean shop for your clients. The length of a barbering program depends on how many hours your state requires to get licensed, so make sure to look up your state barber license requirements to determine how long barber school will be. To ensure you are getting the barbering education that matches your needs, request more information from the barber colleges and ask them about their programs before enrolling. To find out more about what you will learn in a barber school, check out this barbering program training guide .

    Barbering Jobs and Careers

    There are numerous barber jobs and careers to choose from. As you pursue your education at one of the many reputable barber schools available, you may find that you are especially great at a particular set of men’s appearance service skills. At this point you may decide to specialize in a niche barbering service such as luxury shaves, fades and braids, custom shave designs, and so on – though good professional barbers should be knowledgeable about all of these services. Many people passionate about men’s hair care or the classic barbershop tradition can do well in a barbering career with hard work and dedication. Barbers usually find jobs at barbershops, hair salons, the military, in the entertainment business, and some have even been known to land jobs at resorts or on cruise ships! Entrepreneurship is especially common in the barbering industry, as many barbers decide to go into business for themselves and be their own bosses.

    Find Barber
    Schools Near You

    BeautySchool.com offers you the ability to search for barber schools in your area to find a quality barbering institution that fits your needs. Upon completing your barbering program, you can obtain your state barber’s license and begin a rewarding men’s grooming career in a timeless industry.



    Best Payday Loan Sites – Find The Best Payday Loan #cheapest #loans


    #best payday loan
    #

    Best Online Payday Loan Sites

    LendUp is the best online payday loan site, because our loans are a better alternative. LendUp loans have no hidden fees, no rollovers, lower interest rates, and clear terms and conditions.

    The best payday loan sites place security and transparency first.

    Security. Did you know that a green lock in the address bar means you’re on a secure payday loan site? Don’t see a green padlock? Choose another online payday loan site. This little symbol guarantees that the best payday loan site is transmitting information securely.

    LendUp uses bank-level security to keep all of your information safe, making it one of the best payday loans sites in California. From application to repayment, we know your personal information is important, so we keep it private. It’s that simple.

    Transparency. Can you clearly see how much your loan will cost you? What will happen if you need more time to repay your payday loan? If you can’t find the answers to these questions, or you see them buried in fine print, you’re probably not on the safest or best of the payday loan sites.

    LendUp makes it easy to see exactly how much it will cost to borrow up to $250 for 30 days. Move the sliders and watch the repayment amount change according to your needs.

    The best payday loan sites belong to direct lenders. A licensed direct lender makes the decision about approval for the loan and will never sell your information to marketers or scammers.

    LendUp is a licensed direct lender in most states it operates in and has the best payday loan site out there! Approval is instant and we send the money directly to your bank account.

    LendUp has the best online payday loan site in California and goes the extra mile to make sure all your needs are met. We offer free credit education courses and the ability to control the terms of your loan from the comfort of your home computer or smartphone!

    What do I need to apply for a LendUp loan? To apply on the best payday loan site for your LendUp loan, you need:

    -An active checking account (Make sure you have your checkbook handy)

    -An email address

    -A phone that accepts incoming calls

    Even borrowers with poor or no credit can be approved on the best payday loan site online.

    Apply now to see why LendUp is the best payday loan site and the best lender for your short term financial needs!



    Buick, Cadillac, Chevrolet and GMC Dealer Boonville MO New & Used Cars for Sale near Columbia MO – Rick Ball GM #columbia #mo #auto #dealers, #rick #ball #gm #boonville #missouri #new #used #car #dealer #mo #near #columbia #marshall #sedalia #jefferson #city #where #is #best #preowned #vehicles #me #auto #repair #service #maintenance #parts #find #car #truck #suv #van #finance #lease #specials #reviews #preapproved #tires #battery #brakes #oil #change #coupon


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    • Sales Department
    • Monday 8:00 am – 7:00 pm
    • Tuesday 8:00 am – 6:00 pm
    • Wednesday 8:00 am – 7:00 pm
    • Thursday 8:00 am – 6:00 pm
    • Friday 8:00 am – 6:00 pm
    • Saturday 8:00 am – 5:00 pm
    • Sunday Closed
    • Service Department
    • Monday 8:00 am – 5:00 pm
    • Tuesday 8:00 am – 5:00 pm
    • Wednesday 8:00 am – 5:00 pm
    • Thursday 8:00 am – 5:00 pm
    • Friday 8:00 am – 5:00 pm
    • Saturday 8:00 am – 1:00 pm
    • Sunday Closed
    • Parts Department
    • Monday 8:00 am – 5:00 pm
    • Tuesday 8:00 am – 5:00 pm
    • Wednesday 8:00 am – 5:00 pm
    • Thursday 8:00 am – 5:00 pm
    • Friday 8:00 am – 5:00 pm
    • Saturday 8:00 am – 1:00 pm
    • Sunday Closed

    Rick Ball GM located in Boonville, MO, near Columbia, MO.

    Visit Rick Ball GM in Boonville, MO for the 2017 or 2018 Buick, Cadillac, Chevrolet and GMC.

    Rick Ball GM carries the following new Buick, Cadillac, Chevrolet and GMC models:

    We Are Your Boonville, MO New and Certified Pre-owned Buick, Cadillac, Chevrolet and GMC Dealership near Columbia, Marshall, Sedalia, Jefferson City, Moberly, Fulton, Tipton, Jamestown, Pilot Grove, Versailles, Slater, Fayetteville, California, Ashland.

    Are you wondering, where is Rick Ball GM or what is the closest Buick, Cadillac, Chevrolet and GMC dealer near me? Rick Ball GM is located at 2500 Main Street, Boonville, MO 65233. You can call our Sales Department at (866) 762-9159, Service Department at 660-882-5688, or our Parts Department at 660-882-5688. Although Rick Ball GM in Boonville, Missouri is not open 24 hours a day, seven days a week – our website is always open. On our website, you can research and view photos of the new Buick, Cadillac, Chevrolet and GMC models that you would like to purchase or lease. You can also search our entire inventory of new and used vehicles, value your trade-in, and visit our Meet the Staff page to familiarize yourself with our staff who are committed to making your visit to Rick Ball GM a great experience every time.

    New Buick, Cadillac, Chevrolet and GMC Models for Sale at Rick Ball GM

    Looking for a new 2017 or 2018 Buick, Cadillac, Chevrolet and GMC? Look no further than Rick Ball GM in Boonville, Missouri. We offer a full lineup of new Buick, Cadillac, Chevrolet and GMC vehicles. Our knowledgeable Rick Ball GM new car dealer staff is dedicated and will work with you to put you behind the wheel of the Buick, Cadillac, Chevrolet and GMC vehicle you want, at an affordable price. Feel free to browse our online inventory, request more information about our vehicles, or set up a test drive with a sales associate.

    Used Cars, Trucks, and SUVs for Sale at Rick Ball GM

    As a leading Buick, Cadillac, Chevrolet and GMC dealer near Columbia, Rick Ball GM also has a wide variety of pre-owned cars, trucks, and SUVs for you to choose from. Each of our used vehicles has undergone a rigorous inspection to ensure the highest quality used cars, trucks, and SUVs in Missouri. Stop by Rick Ball GM or search our online inventory to find the used car, truck, or SUV that is right for you. We have used cars, trucks, and SUVs for every need and budget. Our expert staff will work to get you in the vehicle you want for an affordable price.

    Auto Finance, Loans, Leasing, and Pre-approvals

    Visit our Rick Ball GM finance page to get pre-approved today! The staff within our Finance Department is dedicated to putting you in the car you want, at a price you can afford. We also offer competitive auto leasing options for our customers who are not looking to purchase or finance a vehicle. Whether you are looking to finance or lease your new Buick, Cadillac, Chevrolet and GMC car, truck, or SUV, our finance experts will work to arrange affordable payments for our customers.

    Auto Body Repair, Service, Parts, and Accessories

    Our state-of-the-art Service Department here at Rick Ball GM will keep your new Buick, Cadillac, Chevrolet and GMC vehicle or used car in excellent condition. The diagnostic equipment operated by our expert mechanics will detect any issues that may be occurring in your vehicle so that our Buick, Cadillac, Chevrolet and GMC trained service technicians can fix the problem right the first time. We offer all the auto services, maintenance, and parts you need to keep your vehicle running like new, even if all you need is an oil change. Visit our Service Department page to schedule a service appointment, or our Parts Department page to order parts for your new Buick, Cadillac, Chevrolet and GMC, or for more information about any of the services offered by Rick Ball GM.

    2017 Rick Ball GM. All Rights Reserved.



    Medical Biller Jobs – Search Medical Biller Job Listings #medical #biller #jobs, #medical #biller #job #opportunities, #medical #biller #job #openings, #medical #biller #work, #medical #biller #employment, #jobs #in #medical #biller, #search #jobs, #find #jobs


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    Medical Biller Jobs

    Medical Biller Job Overview

    Medical billing specialists play a crucial role in the healthcare industry. They are responsible for taking the data provided by medical coders and using it to submit insurance claims. Medical billers must work with coded data, so a background in medical coding can be beneficial. Knowledge of Medicaid, Medicare, and other insurance guidelines is crucial.

    Most medical billers are employed by hospitals, doctors’ offices, home health agencies, skilled nursing facilities, and even specialized insurance companies. On any given day, they will work directly with the healthcare provider, insurance company, and patient to process a claim and receive payment. They review and appeal denied and unpaid claims, verify a patient’s insurance coverage information, answer billing questions, manage accounts receivable reports, and handle collections when accounts remain unpaid.

    Medical Biller Job Education Requirements

    To become a medical billing specialist, an associate’s degree in a relevant field such as accounting, healthcare administration, or business administration is usually required. A medical billing and coding certificate is ideal since coursework prepares you for the occupation better than any other type of degree. Many medical billers started out as medical coders. CNAs, or health care specialists before receiving the certification and training necessary to become billing specialists.

    Medical Biller Job Market

    The field that includes medical billers, which is designated as medical records and health information technicians, is expected to increase by 21 percent through 2020. This is a faster-than-average growth rate, so medical billing specialists are in demand. This is likely due to the nation’s aging population and the continued need for insurance professionals in the healthcare industry.

    Medical Biller Salary Information

    Salaries for medical billers vary widely by geographical location, but the average hourly wage is $14. Those starting out can expect to earn around $23,000 a year, with experienced professionals bringing in about $43,000 annually.



    Unsecured Loans – Find an Unsecured Personal Loan Now #fast #personal #loans


    #unsecured loan
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    Unsecured loans

    A personal loan and an unsecured loan are the same thing, but providers use different names to describe the same product.

    A personal loan is sometimes described as an unsecured loan because it allows you to borrow money without having to provide security against it, such as your home or car.

    Compare unsecured loans

    Compare a wide range of unsecured loans and find the right rate for you.

    Instead, an unsecured (or personal) loans provider will base their decision on granting you a personal loan by using your personal credit history. This is verified by a credit check to determine your credit rating.

    How does a credit check work?

    The lender will use an approved credit reference agency to make a search on your name and address, and any previous addresses, which you give in your personal loan application.

    This credit check involves calculating your credit rating, which shows how risky it will be to give you a personal loan.

    Each time a credit check search is requested by a lender, it will be noted on your credit rating by the credit reference agency and detailed in any future credit checks.

    If you have had no previous credit issues, a credit check should be very straightforward and you should be eligible for the majority of personal loans. You can see your credit report for yourself with services like Credit Expert from Experian.

    Will using uSwitch s loans comparison service affect my credit rating?

    No. Any information we gather from you is used solely to make an accurate comparison of unsecured personal loans. A loan provider will only ask for an actual credit check when you complete and submit a personal loan application.

    The lender should always inform you if a credit reference check is being carried out. And you should also be told if credit account information will be stored with a credit reference agency.

    I have a bad credit rating. What can I do?

    Be honest and tell us when you make your comparison. There are some unsecured loans available if you have bad credit. If we cannot find a suitable unsecured loan, we will provide you with details of how you can still borrow the money you require.

    It is always a good idea to check your credit report before you apply for an unsecured loan that way you can see what a potential lender will see before you apply.

    Unsecured loans made safe and easy

    Now you know that an unsecured loan is just another name for a personal loan, and have understood how lenders rate those applying for them, it’s time to take the next step. To find a great personal loan for you go to our personal loans calculator .



    Where to Find IRS 2016 Form 1040 and Instructions for 2017, how to find out how much you owe the irs.#How #to #find #out #how #much #you #owe #the #irs


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    Where to Find IRS Form 1040 and Instructions

    Are you aware that there are a few different kinds of IRS form 1040 and instructions? It’s best to know which income tax form suits with your specific circumstance and lets you declare the earnings, deductions, credits, etc. that relate to you.

    Table of Contents

    The Most Common 1040 Forms and Instructions:

    • IRS Tax Form 1040 (Individual Income Tax Return in the U.S.)
    • The Long Form or Form 1040 (Individual Income Tax Return in the U.S.)
    • The Short Form or Form 1040A (Individual Income Tax Return in the U.S.)
    • Form 1040EZ (Income Tax Return for Unmarried and Combined Filers Who Have No Dependents)
    • Form 1040NR (U.S. Nonresident Alien Income Tax Return)
    • Form 1040NR-EZ (U.S. Income Tax Return for Certain Non-resident Aliens Who Have No Dependents)

    There are various methods to get tax form 1040 instructions. The quickest and most effective choice is to download the tax form to your computer. In addition, almost all post offices and neighborhood libraries have tax forms and instructions available throughout tax season, and forms are also available from a tax center or an IRS office.

    Additionally, you could ask for a tax form to be delivered to you from the IRS by U.S. Mail.

    IRS 2016 Form 1040 is Known as the Long FormHow to find out how much you owe the irs

    Form 1040 is the usual federal income tax form widely used to record an individual’s gross earnings (e.g., income, products, real estate, and services). It is usually referred to as “the long form” since it is more in depth compared to the shorter 1040A and 1040EZ income tax forms.

    Also in contrast to the various other tax forms, IRS form 1040 permits taxpayers to claim several expenditures and tax incentives, list deductions, and modify income. Although the 1040 usually takes more time to fill out, it rewards taxpayers by offering them extra possibilities to reduce their income tax bills.

    The 2016 1040 Form is usually due by April 15th 2017, except if you request an automatic tax extension. Should you not submit by this date, you are usually subject to fines and/or overdue charges. It is possible to ask for a tax extension by sending in IRS Tax Form 4868 by the initial submitting due date (April 15).

    When Getting Ready to Fill out Your Tax Forms

    Even before you start doing your 1040 tax forms, you need to have the following material ready:

    • Valid identification
    • Submitting status and Residency status
    • Social Security Numbers for yourself (and also your partner and any dependents)
    • Birth dates for yourself (along with your partner, plus any dependents)
    • A duplicate of your previous income tax return
    • Documents of salary received (e.g., W-2 , W-2G, 1099-R, etc.)
    • Statements of interest/dividends from finance institutions, brokerages, etc.
    • Evidence of any tax credits, tax deductions, or tax exemption
    • Your checking account number and routing number (for Direct Deposit)

    Keep in mind that IRS Tax Form 1040, with payment amount, is owed by April 15th. A 6-month tax continuance may be allowed (with IRS Tax Form 4868) for overdue submitting, however payments still have to be made by April 15th. You can file Form 1040 by paper mail, via IRS e-file, or by way of a certified tax preparer.

    1040 Tax Form Video by TurboTax

    Get Your Refund Faster by Filing Online

    Filing income taxes online is usually safer, quicker, and simpler ― and you can get your tax refund a lot faster should you opt for the Direct Deposit method. While there are a few income tax forms to pick from when preparing your federal income taxes, a reliable option is to use IRS Form 1040 when you are not sure if you will be eligible for the 1040A or 1040EZ.

    • The standard guideline is: If uncertain, submit Tax Form 1040.
    • You have to submit Form 1040 once any of the following apply:
    • You have taxable earnings of $100,000 or higher
    • You have self-employment earnings of $400 and up
    • You had income tax being taken from paychecks
    • You made anticipated income tax payments, or have overpayment that is applicable to the current tax year
    • You have listed deductions (e.g., mortgage, interest fees, or charitable donation)
    • You generate revenue from a company, S-corporation, partnership, trust, rental, or farm
    • You have sold real estate, stocks, bonds, or mutual funds
    • You are claiming revenue alterations (for tuition, educator fees, relocating costs, or health savings accounts)
    • You got an advance payment for Earned Income Tax Credit (EITC) from a company
    • You have a W-2 that indicates uncollected tax (from tips or group term life insurance coverage), or a W-2 that demonstrates a code Z (earnings from a 409A non-qualified deferred payment program)
    • You owe excise tax on insider stock payment (from an expatriated enterprise)
    • You are a person in debt in a Chapter 11 personal bankruptcy case (submitted after October 16, 2005)
    • You make foreign income, paid foreign income taxes, or are claiming tax treaty benefits
    • You are obligated to repay any further special taxes (e.g., recapture taxes, household employment tax, alternative minimum tax, etc.)

    Help at Tax Time

    How to find out how much you owe the irsWhen you file your taxes online it will be like an interview. They will ask easy to answer questions while filling in the correct tax forms for you behind the scenes.

    The answers you provide will enable them to see which deductions and credits you qualify for. In the event that you are unsure how to answer a question there are tax experts readily available to help you.

    Online tax filing insures that you get the largest refund possible. There s even a free tax refund calculator available that allows you to know the amount of money that you will be getting back.



    Kenya Garner – State Farm Insurance Agent in Marion, IL, find insurance agent.#Find #insurance #agent


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    Kenya Garner

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    Kenya Garner

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    • Illinois Wesleyan Univ, BA – Business Administration
    • 4 1/2 Years Prior State Farm Claims Experience
    • Associate in Claims
    • National Association of Insurance & Financial Advisors

    Disclosures

    State Farm Bank, F.S.B., Bloomington, Illinois ( Bank ), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type of credit or service offered by visiting statefarm.com or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

    Find insurance agent

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    Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

    Before investing, consider the funds’ investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp., (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. AP2014/12/2170

    State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

    Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.



    VA Loan VS Conventional Loan – Find Conventional Home Loans #1 #month #loan


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    VA Loans vs. Conventional Loans: Understand the Advantages

    The home buying process can be confusing, but.

    A VAMortgage.com Agent can help determine your best options and explain what comes next. Call us at 1-888-775-1585 or Contact us online!

    Discover the distinct advantages that may be available to you by learning more about VA loans vs  conventional loans .

    To begin, you may be eligible to secure a VA home loan  with low, fixed rates as well as no (or regulated) closing costs and no monthly mortgage insurance. Down payments aren t required except in cases where the mortgage amount exceeds the VA limit for your county. In such cases, the down payment is 25% of the amount above the county VA limit. In addition, if you have a low credit score, you are likely to qualify for better rates with VA loans than with conventional home loans.

    If you want to speak with a personal representative who can guide you through the process of finding the loan that’s right for you, then get in touch with us today. You can give us a call at 888-775-1585  or click here to fill out our online contact form .

    Keep reading to find out more about a VA loan vs a conventional loan and what you need to know!



    Loan Sharks South Africa, Payday Loans, Find Loan Sharks #text #loans


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    Loan Sharks

    Directory of Loan Sharks in South Africa

    Menu

    Loan Sharks – Guide for Borrowers

    The reality is that the loan sharks of South Africa are no better than the predators which they are named after. These are unscrupulous lenders that charge extremely high interest rate and use other tricks to squeeze money out of their customers, who are usually people in a very difficult financial situation. Find out more about them and their practices so that you can avoid getting into their trap.

    What They Are

    The loan sharks in South Africa offer loans at super high interest, which exceeds the limit set by the National Credit Regulator (NCR). They typically charge high fees as well. They charge interest per day rather than per week or per month no matter how long the term of the loan is. They use a whole range of illegal practises which aim to make the cost of the loan huge.

    These lenders try to trick their customers into believing that they have made a good deal. They typically do not provide a copy of the agreement to the borrowers. Sometimes, there isn’t an agreement at all. These lenders use false advertising and even promote their products directly to individuals that may have financial difficulties like unemployed workers, pensioners and blacklisted people.

    Loan sharks can go much further in their illegal practices. In some cases, they require borrowers to pass them the ownership deeds of vehicles and property that they own to serve as surety that they will repay their debt. There are also cases in which the lenders take the IDs of their clients. It is not uncommon for them to threaten borrowers who are unable to repay their debt.

    How to Recognize Them

    It is easy to recognize these lenders. They are illegal. They are not licensed by the NCR. Whenever you plan to deal with a lender, just ask for their license document or check with the NCR. The high interest rates and the fact that they have no requirements for loan applicants also give these illegal lenders away.

    You can find plenty of top quality loans which are not offered by loan sharks South Africa. Just be watchful.

    Directory of Loan Sharks



    Online loan sharks find tribal lands are an easy way to skirt the law #unsecured #personal #loans #bad #credit


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    PORTLAND, Ore. – Online loan sharks are exploiting a gaping loophole to get their hands on your money – and local lawmakers are fighting back hard.

    What are these loan sharks doing that’s so wrong?

    They’re setting up shop on Native American reservations so they can avoid state and federal laws that protect consumers. It’s one of the worst cases of online crime the KATU On Your Side Investigators have ever come across.

    Oregon Democratic Senator Jeff Merkley told KATU he has been fighting for years to stop it.

    What they’re doing is morally wrong, Merkley said. It breaks state law. It destroys families and we have to stop it.

    We ve been talking to a Salem woman hard working but behind on her bills like a lot of us who is in over her head with a payday loan company way, way over her head.

    Elena Peralta, 20, took out $150 to pay her car insurance but in a matter of weeks, she was on the hook for $4,500 and teetering on the brink of bankruptcy. The business she got the loan from is called US Fast Cash, which operates on the Ottawa tribe’s reservation in Oklahoma.

    The loan company, Peralta found out, had the right to raid her bank account at will. And when that money ran out, she started getting phone calls from collection agents every day and night, and even at work, threatening her with legal action and harassing her.

    And the payments Peralta did manage to make never touched the principal just the outrageous triple-digit interest rates the loan company was charging her.

    It affected my family, she said. Not just myself, my whole family.

    Everything about this loan sounds illegal under Oregon law. Regulators agree – so much so that the state has already red-flagged these online lenders in this consumer alert .

    But here’s what we found out when we started looking into this – nothing can be done to stop them, or bring the worst of these cyber loan sharks to justice. Not yet at least.

    This woman s case and thousands like it is now at the center of a legal battle at the highest levels of the U.S. Government a story that s taken us from Portland, to the halls of Congress, to a dusty town in Oklahoma – and deep into the pages of one of the murkiest chapters in America s history. Millions of dollars hangs in the balance as the rights of you, the consumer, are pitted against the rights of all Native Americans.

    Their treaties with the United States are century-old binding contracts upheld by numerous court decisions. But the issue of tribal sovereignty is taking center stage in the fight to stop online loan sharks.

    Merkley saw the writing on the wall in 2007, when as Oregon Speaker of the House, he authored and ushered through a new law putting strict limits on the amount of interest and fees lenders could charge. We knew that people would try to bi-pass the state laws over the Internet, so we passed a law saying that any loan done over the Internet is un-collectable, he said.

    But Oregon lawmakers did not foresee the loan operations moving to tribal lands.

    It may now take an act of Congress to stop the online loan sharks and Peralta may become the poster child for that effort.

    Merkley is now trying to push a bill that he authored through the U.S. Senate. It would stop the lending from tribal lands in its tracks.

    It simply says that you can’t operate out of a tribal reservation or overseas, or anywhere else, and violate the state laws, Merkley said.

    If the bill becomes law, the Consumer Fraud Protection Bureau will also have the power to stop the loan sharks at the source, making it impossible for them to dip their electronic fingers into the bank accounts of anyone.

    Merkley expects a fight. He says lenders and their lobbyists will line up to stop the bill s passage.

    With her eyes filled with tears Elena told Thom, That’s something that I don’t want other people to go through. It’s bad.

    With that, she said she hopes she does become the poster child for Merkley s bill, because it will most likely take that type of action to finally close this tribal loophole in lending laws.

    What can you do if you’re in a sticky situation with one of these lenders?

    Stop the drain on your finances by closing the account tied to the loan and opening a new one. That gives you time to contest the loan conditions.

    The Oregon Division of Finance tells us that because these extra costs are technically illegal, you may not have to pay them at all. Use the links below to file a complaint.

    What’s the best way to get a short-term loan?

    If you really do need a short-term loan to make ends meet, state regulators recommend you go to a brick and mortar business – storefronts approved by the state and bound by Oregon and Washington laws, and bound by limits on interest and fees.



    Online Teaching Jobs – Search Online Teaching Job Listings #online #teaching #jobs, #online #teaching #job #opportunities, #online #teaching #job #openings, #online #teaching #work, #online #teaching #employment, #jobs #in #online #teaching, #search #jobs, #find #jobs


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    Online Teaching Jobs

    Overview of Online Teaching

    With online programs, stay-at-home parents can prepare for future careers, new students can work to earn money to pay for their tuition and those who lack mobility can receive an education with minimal discomfort. Online teachers make these things possible.

    There are different levels of Online Teaching jobs. Many companies employ online tutors to help students from grade school to college understand their school assignments and study for their tests. Tutors are responsible for finding strategies to help improve student understanding, maintaining a regular schedule and communicating with families and administrators. Both colleges and high schools employ online instructors as well. Online high school teachers and professors are tasked with learning or designing curriculum, developing lesson plans, accommodating students with varied learning abilities, tracking and improving student attendance and progress, administering and grading exams, providing academic advice and communicating with students, parents and administrators. Another quickly growing teaching position is the role of a Tes Teacher .

    Online Teaching Jobs Education and Requirements

    An online tutor must possess at least a bachelor’s degree. Tutors are also often asked to pass certain exams to show that they are competent in the subjects they are assigned to tutor. Online high school teachers must have at least a bachelor’s degree and a valid teaching credential. Most schools prefer applicants to possess a master’s degree. Online professors are typically required to possess a doctorate degree; however, some colleges will hire adjunct professors with master’s degrees. Most tutors and teachers must be willing to provide references and submit to a background check.

    Online Teaching Job Outlook and Salaries

    Most reports do not make a distinction between online and offline teachers in employment outlook and salary data; however, the median annual salary for high school teachers is just over $55,000. Statistics indicate that the growth of these positions is slower than average at just 6 percent. The median salary for post-secondary instructors is almost $69,000 a year. Growth is faster for these positions at 19 percent.



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    Electrician Jobs

    Electrician Job Overview

    More than 519,000 people across the country work as electricians. The duties of this important job include working with wiring and electrical systems to make sure they are working safely and properly. The job also includes working on public projects, such as installing and repairing streetlights, fixing industrial intercom systems and working on commercial buildings to make sure the electrical work is done according to local and national safety codes.

    Electricians can specialize in a specific area, such as working with motion picture or television studios to provide the lighting, or working in industrial settings. Those with experience in management can also work as electrical contractors, who oversee electricians on the construction job site. Electrical engineers design electrical layouts for buildings.

    Electrician Job Education Requirements

    An electrician at journeyman status must complete a program that lasts about four years. This program will include detailed safety information about working with live wires, along with training on how to correctly wire a variety of different fixtures and equipment. The programs usually require at least a high school diploma, and entrants must be at least 18 years old. Technical schools may also offer electrician programs, although these don’t include an apprenticeship, so they won’t provide as much hands-on training.

    Electrician Job Market

    According to statistics from the Bureau of Labor Statistics, electrician jobs will grow by almost 20 percent by 2022, which will add more than 224,000 openings. Since there are many buildings around the country that have outdated electrical systems and wiring, these will need rewiring services to meet new codes. As energy sources continue to transition, electricians play a vital role in transferring the energy to a switch and plug that people can use in their homes and businesses. Electricians may also want to go into more specialized and related roles like cable supervisor .

    Electrician Job Salary Information

    The median wage for electricians in the United States was $49,480 in 2012. Those in the highest range of pay made around $80,000 per year, while the lower end was closer to $30,000. Those who earn the most income usually work for motion picture studios and natural gas plants, where the work requires more physical labor and longer hours. Electricians working in bigger cities earn higher wages, as well those working in remote areas, such as cities in Alaska.

    Those who specialize in a specific area of electrical work can usually earn more money as well. Electrician apprentices usually earn about 30-50 percent less than a fully trained electrician.



    Find IP Address – Lookup and locate an ip address #ip #address, #find,ip, #findip, #ipaddress,69.195.193.136,miami,united #states,information, #details, #location,whois, #locate, #lookup


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    Find IP lookup information for 69.195.193.136

    Lookup results of the search for IP address 69.195.193.136. We locate the IP address in United States.
    The organisation associated with the IP address 69.195.193.136 is Terrenap Data Centers.

    You find more detailed lookup information of the IP address 69.195.193.136 below.
    For severall attributes we can provide a confidence factor. A value from 0-100 representing our confidence of the attribute is correct.

    Technical details

    IP address 69.195.193.136
    Hostname 69.195.193.136
    Type Public
    CIDR 69.195.193.136/24

    Location of IP address 69.195.193.136

    Lookup information about the location associated with the IP address 69.195.193.136.

    City Miami (57% confidence)
    Metrocode 528 (Florida, Miami-Ft. Lauderdale FL)
    Subdivision Florida (FL) (96% confidence)
    Country United States (US) (98% confidence)
    Continent North America (NA)
    Time zone America/New_York

    ASN and ISP for IP address 69.195.193.136

    General traits like organisation, autonomous system number (ASN) and ISP associated with the IP address 69.195.193.136.

    ISP Terrenap Data Centers
    Organization Terrenap Data Centers
    User type business
    Autonomous system number (ASN) 23148
    Autonomous system organization TERRENAP DATA CENTERS, INC.

    Anonymous proxy? No
    Satellite provider? No

    Registered and represented country

    Details about the country in which the ISP has registered the IP address 69.195.193.136. Furthermore, if available, the represented country. For instance, the country represented by an overseas military base or embassy.

    Registered country United States (US)
    Represented country Not Provided

    Location on the map for IP address 69.195.193.136

    The latitude and longitude of the location associated with the IP address 69.195.193.136. In addition, the map is loaded with the circle of accuracy arround the pointer of the location for IP 69.195.193.136.

    Latitude 25.774300
    Longitude -80.193703
    Radius 10 km
    The radius in kilometers around the specified location where the IP address is likely to be.

    Up-to-date? Yes, IP Address information is less than 3 months old.

    Reverse DNS

    DNS records are used to determine witch IP address is associated with a hostname. A reverse DNS is to resolve a IP address to lookup what associated hostname for it.

    Dig The answer of a reply with the dig command

    Host The result of the host command

    Host 136.193.195.69.in-addr.arpa. not found: 3(NXDOMAIN)

    NS lookup Find reverse DNS For IP 69.195.193.136 with nslookup

    Server: 173.230.145.5
    Address: 173.230.145.5#53

    ** server can t find 136.193.195.69.in-addr.arpa: NXDOMAIN

    Dig Full (-x) Retrieve the full output of the command: “dig 69.195.193.136”

    ; DiG 9.10.3-P4-Ubuntu -x 69.195.193.136
    ;; global options: +cmd
    ;; Got answer:
    ;; – HEADER – opcode: QUERY, status: NXDOMAIN, id: 6608
    ;; flags: qr rd ra; QUERY: 1, ANSWER: 0, AUTHORITY: 1, ADDITIONAL: 1

    ;; OPT PSEUDOSECTION:
    ; EDNS: version: 0, flags:; udp: 4096
    ;; QUESTION SECTION:
    ;136.193.195.69.in-addr.arpa. IN PTR

    ;; Query time: 0 msec
    ;; SERVER: 173.230.145.5#53(173.230.145.5)
    ;; WHEN: Mon Jul 24 10:30:24 UTC 2017
    ;; MSG SIZE rcvd: 132

    Tools

    Last found IP address



    ECU Future Students #apply #for #a #course, #course #applications, #undergraduate #applications, #postgraduate #applications, #research #degree #applications, #apply #online, #graduate #diploma #of #education #applications, #international #student #applications, #waapa #applications, #wa #screen #academy #applications, #screen #studies #application, #important #dates, #application #cut-off #dates, #application #closing #dates, #university #dates, #cross-university #applications, #cross-institutional #applications, #non-award #students, #ecu #authorised #agents, #find #agents, #find #ecu #agents, #application #status #check, #edith #cowan #university, #ecu


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    ECU offers innovative and practical courses across a variety of disciplines and we have a vibrant research culture. ECU is a leader in developing alternative entry pathways to higher education.

    We have three campuses in Western Australia. Joondalup and Mount Lawley in the Perth metropolitan area and our South West campus in Bunbury, 200km south of the Perth CBD.

    ECU provides a variety of services and facilities that go beyond the classroom, with opportunities for personal development and social interaction for students and staff.

    Future Students

    Applicants with an ATAR

    • If you want to start a course in Semester 1, apply through the Tertiary Institutions Service Centre .
    • If you want to start a course in Semester 2 (mid-year), you can apply direct to us .

    Note: Applying is different to enrolling. If your application for a course is successful and you accept our offer of a place, you then enrol by selecting your course units.

    Applicants with a VET qualification

    • If you’ve completed a Certificate IV during or right after year 12, you can apply direct to us for undergraduate or University Preparation courses .
    • If you’re currently in Year 12, we expect you to achieve WACE by the end of the year.
    • If you’re not currently in Year 12, and don’t yet meet English competency, please apply to us with your Certificate IV and we will evaluate your application individually.
    • If your Diploma or Advanced Diploma is in the same subject area as the course you wish to study at ECU, you may be eligible for credit, or advanced standing. You can apply for this after you accept your offer into the course.

    Note: Applying is different to enrolling. If your application for a course is successful and you accept our offer of a place, you then enrol by selecting your course units.

    All other applicants

    • You can apply direct to us. Before you start your application, make sure you’ve made scanned copies of school or other study results and the components of your portfolio if you’re using our Portfolio Pathway .
    • Please ensure the University Preparation course is listed as a preference in your application.
    • If you’ve been an ECU student and are using an ATAR from previous years, or sat the STAT or the ISIT at ECU, we don’t need documents because we can check your score electronically.

    Note: Applying is different to enrolling. If your application for a course is successful and you accept our offer of a place, you then enrol by selecting your course units.

    Research degrees

    Some research degrees have recommended submission dates for applications.

    Our Doctor of Philosophy (course code L61) accepts applications all year long.

    To apply for a research degree, please supply the following with your application:

    • a 300-word research abstract and a 2-page research proposal
    • facts about your work and academic history
    • references from any publications or conference papers you’ve co-authored
    • your previous academic qualifications

    Note: If you’re a citizen of India, Pakistan, Nepal or Bangladesh, we may require you to apply via an ECU Authorised Agent .

    Check the progress of your application

    If you’ve applied for a course – either directly or through an ECU Authorised Agent – you can easily track its progress through our application status check .

    What happens after you’ve applied?

    After your application is processed and if you’re successful:

    1. We send you an Offer Letter for a place at ECU. This will be an Offer or a Conditional Offer (you must meet the conditions of your offer), and includes course details, fees to pay and more.
    2. You complete the online acceptance and pay the ‘Fees payable now’. This includes your first semester course fees and Overseas Student Health Cover. You can accept and pay by going to the Respond to your offer page.
    3. Once you’ve successfully accepted your offer to study at ECU, and we’ve confirmed receipt of the required fees, we’ll issue a Confirmation of Enrolment. If required, this document allows you to apply for a student visa to study in Australia.
    4. Once the above steps are complete, we welcome you as an official ECU student. You should then review our pre-departure information. attend orientation and enrol in your study units.


    Kia Dealer Seattle WA New & Used Cars for Sale near Kirkland WA – Chuck Olson Kia #locksmith #seattle #wa, #chuck #olson #kia #seattle #washington #new #used #car #dealer #wa #near #kirkland #everett #renton #ballard #where #is #best #preowned #vehicles #me #auto #repair #service #maintenance #parts #find #car #truck #suv #van #finance #lease #specials #reviews #preapproved #tires #battery #brakes #oil #change #coupon


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    • Sales Department
    • Monday 8:30 am – 8:30 pm
    • Tuesday 8:30 am – 8:30 pm
    • Wednesday 8:30 am – 8:30 pm
    • Thursday 8:30 am – 8:30 pm
    • Friday 8:30 am – 8:30 pm
    • Saturday 9:00 am – 8:30 pm
    • Sunday 10:00 am – 7:00 pm
    • Service Department
    • Monday 7:30 am – 6:00 pm
    • Tuesday 7:30 am – 6:00 pm
    • Wednesday 7:30 am – 6:00 pm
    • Thursday 7:30 am – 6:00 pm
    • Friday 7:30 am – 6:00 pm
    • Saturday 7:30 am – 3:00 pm
    • Sunday Closed
    • Parts Department
    • Monday 7:30 am – 6:00 pm
    • Tuesday 7:30 am – 6:00 pm
    • Wednesday 7:30 am – 6:00 pm
    • Thursday 7:30 am – 6:00 pm
    • Friday 7:30 am – 6:00 pm
    • Saturday 7:30 am – 3:00 pm
    • Sunday Closed

    Chuck Olson Kia located in Seattle, WA, near Kirkland, WA.

    Visit Chuck Olson Kia in Seattle, WA for the 2017 or 2018 Kia.

    Chuck Olson Kia carries the following new Kia models:

    We Are Your Seattle, WA New and Certified Pre-owned Kia Dealership near Kirkland, Everett, Renton, Ballard, Bellevue, Bothell, Lynnwood, Mountlake Terrace, Redmond, Woodinville, Mill Creek, Marysville, Issaquah.

    Are you wondering, where is Chuck Olson Kia or what is the closest Kia dealer near me? Chuck Olson Kia is located at 17001 Aurora Ave. N, Seattle, WA 98133. You can call our Sales Department at 888-236-4364, Service Department at 888-885-2902, or our Parts Department at 888-885-4697. Although Chuck Olson Kia in Seattle, Washington is not open 24 hours a day, seven days a week – our website is always open. On our website, you can research and view photos of the new Kia models such as the Cadenza, Forte, Forte5, K900, Niro, Optima, Optima Hybrid, Optima Plug-In Hybrid, Rio, Rio 5-Door, Rio5, Rondo, Sedona, Sorento, Soul, Soul EV or Sportage that you would like to purchase or lease. You can also search our entire inventory of new and used vehicles, value your trade-in, and visit our Meet the Staff page to familiarize yourself with our staff who are committed to making your visit to Chuck Olson Kia a great experience every time.

    New Kia Models for Sale at Chuck Olson Kia

    Looking for a new 2017 or 2018 Kia? Look no further than Chuck Olson Kia in Seattle, Washington. We offer a full lineup of new Kia vehicles. Our knowledgeable Chuck Olson Kia new car dealer staff is dedicated and will work with you to put you behind the wheel of the Kia vehicle you want, at an affordable price. Feel free to browse our online inventory, request more information about our vehicles, or set up a test drive with a sales associate.

    Used Cars, Trucks, and SUVs for Sale at Chuck Olson Kia

    As a leading Kia dealer near Kirkland, Chuck Olson Kia also has a wide variety of pre-owned cars, trucks, and SUVs for you to choose from. Each of our used vehicles has undergone a rigorous inspection to ensure the highest quality used cars, trucks, and SUVs in Washington. Stop by Chuck Olson Kia or search our online inventory to find the used car, truck, or SUV that is right for you. We have used cars, trucks, and SUVs for every need and budget. Our expert staff will work to get you in the vehicle you want for an affordable price.

    Auto Finance, Loans, Leasing, and Pre-approvals

    Visit our Chuck Olson Kia finance page to get pre-approved today! The staff within our Finance Department is dedicated to putting you in the car you want, at a price you can afford. We also offer competitive auto leasing options for our customers who are not looking to purchase or finance a vehicle. Whether you are looking to finance or lease your new Kia car, truck, or SUV, our finance experts will work to arrange affordable payments for our customers.

    Auto Body Repair, Service, Parts, and Accessories

    Our state-of-the-art Service Department here at Chuck Olson Kia will keep your new Kia vehicle or used car in excellent condition. The diagnostic equipment operated by our expert mechanics will detect any issues that may be occurring in your vehicle so that our Kia trained service technicians can fix the problem right the first time. We offer all the auto services, maintenance, and parts you need to keep your vehicle running like new, even if all you need is an oil change. Visit our Service Department page to schedule a service appointment, or our Parts Department page to order parts for your new Kia, or for more information about any of the services offered by Chuck Olson Kia.

    2017 Chuck Olson Kia. All Rights Reserved.



    Mortgage Broker – Find Local Brokers and Mortgage Lenders in Your Area #pay #advance #loans


    #loan broker
    #

    Mortgage Broker

    Most people choose to invest in real estate because it has the potential to be extremely profitable. However, due to the real estate industry’s competitive nature, it can often be difficult to choose the right type of home loans and mortgage lenders for your financing needs when you’re in the market for a mortgage refinance. a new house purchase or to obtain a home equity loan. Therefore, because there are numerous options available to you, it can really help to work with professionals, such as mortgage brokers and mortgage lenders in order to get the best possible deal on your mortgage loan.

    Types of Mortgage Brokers

    When it comes to choosing mortgage brokers and home loan companies to work with, you should know that there are many different types competing for your business. They include financial institutions such as:

    • Traditional banks
    • Credit unions
    • Online mortgage companies
    • Bad credit mortgage lenders

    There are both advantages and disadvantages to each of the mortgage lenders mentioned above. However as a general rule of thumb, you may find that your local bank is usually unable to offer you the best interest rate for mortgage loans. While credit unions are often known to offer borrowers with more competitive rates, the greatest way to ultimately secure the best mortgage rates is to search for lenders and financial institutions that specifically cater to mortgage products and services.

    Online mortgage loans are another option you may want to consider for your financing needs. There are several mortgage lending companies that have online presence in the form of different Web sites and forums that you can refer to. There are also specialty mortgage lenders for borrowers with bad credit or for those who have gone through other types of financial hardship, such as bankruptcy. Although banks and credit unions generally do not offer bad credit loans, there are other types of mortgage lending companies that can help you if your credit score is less than perfect.

    Working with Mortgage Brokers

    Enlisting the services of a qualified mortgage broker can prove to be very beneficial when you are trying to find the right mortgage or home loan for your financial situation. A mortgage broker typically works as an intermediary or “middleman” between a borrower and a mortgage lender. Working with mortgage brokers allows you to effectively comparison shop for mortgages while someone else handles all of the “legwork” for you.

    While the convenience that is involved with using mortgage brokers is definitely a huge asset, you need to bear in mind that it too comes at a price. This is why it’s important to take the time to shop around for mortgage brokers and understand the different fees you may be charged for utilizing their services. A typical mortgage broker works on a commission basis. In some cases, you pay the commission and in others, the lender pays the mortgage broker a commission fee. It’s also possible for both you and the lender to have to pay the broker fees.

    The bottom line is that most mortgage brokers have invaluable connections in the real estate industry, which means that they are better able to help you get a good deal on mortgage loans. A mortgage broker can also work with you by assessing your individual situation and providing you with customized home loan options to choose from. So if you’re someone who is looking for the right type of home loan to finance your mortgage, remember that using a mortgage broker can truly work to your advantage!



    Low Interest Car Loans – Find the best interest rate #loans #for #school


    #low interest car loans
    #

    Compare low interest rate car loans

    Information verified correct on November 18th, 2015

    Keep your repayments down with a cheap, low interest car loan.

    Compare loans from a range of banks, credit unions and building societies all offer car loans. Get the lowest interest rate possible for you. You’ll also find plenty of boutique lenders that specialise in just car loans and personal loans. However, instead of just accepting the loan your own bank offers you, it’s very possible you can find a better deal if you take a bit of time to shop around a bit.

    Besides, there are plenty of other things to consider than just the interest rate you’re paying.

    Low Interest Car Loan Offer

    Apply for Beyond Bank Car Loan and enjoy a great low fixed interest rate with no ongoing fees. You’ll also get access to a limited time ‘Special Offer’ rate on your loan.

    • Interest Rate From: 6.74% p.a.
    • Comparison Rate: 6.98% p.a.
    • Interest Rate Type: Fixed
    • Application Fee: $150
    • Minimum Loan Term: 1 year
    • Maximum Loan Term: 7 year
    • Minimum Loan Amount: $25,000


    Car Dealership in Grand Blanc, MI #return #car #to #dealer, #al #serra #auto #grand #blanc #michigan #new #used #car #dealer #mi #near #flint #burton #grand #blanc #ortonville #where #is #best #preowned #vehicles #me #auto #repair #service #maintenance #parts #find #car #truck #suv #van #finance #lease #specials #reviews #preapproved #tires #battery #brakes #oil #change #coupon


    #

    • Chevrolet Sales Department
    • Monday 8:00 am – 8:00 pm
    • Tuesday 8:00 am – 8:00 pm
    • Wednesday 8:00 am – 8:00 pm
    • Thursday 8:00 am – 8:00 pm
    • Friday 8:00 am – 7:00 pm
    • Saturday 8:00 am – 4:00 pm
    • Sunday Closed
    • Buick-GMC Sales Department
    • Monday 8:00 am – 8:00 pm
    • Tuesday 8:00 am – 8:00 pm
    • Wednesday 8:00 am – 8:00 pm
    • Thursday 8:00 am – 8:00 pm
    • Friday 8:00 am – 7:00 pm
    • Saturday 8:00 am – 4:00 pm
    • Sunday Closed
    • Cadillac Sales Department
    • Monday 8:00 am – 8:00 pm
    • Tuesday 8:00 am – 8:00 pm
    • Wednesday 8:00 am – 8:00 pm
    • Thursday 8:00 am – 8:00 pm
    • Friday 8:00 am – 7:00 pm
    • Saturday 8:00 am – 4:00 pm
    • Sunday Closed
    • CDJR Sales Department
    • Monday 8:00 am – 8:00 pm
    • Tuesday 8:00 am – 8:00 pm
    • Wednesday 8:00 am – 8:00 pm
    • Thursday 8:00 am – 8:00 pm
    • Friday 8:00 am – 7:00 pm
    • Saturday 8:00 am – 4:00 pm
    • Sunday Closed
    • Honda Sales Department
    • Monday 8:00 am – 8:00 pm
    • Tuesday 8:00 am – 8:00 pm
    • Wednesday 8:00 am – 8:00 pm
    • Thursday 8:00 am – 8:00 pm
    • Friday 8:00 am – 7:00 pm
    • Saturday 8:00 am – 4:00 pm
    • Sunday Closed
    • Sales Department
    • Monday 8:00 am – 8:00 pm
    • Tuesday 8:00 am – 8:00 pm
    • Wednesday 8:00 am – 8:00 pm
    • Thursday 8:00 am – 8:00 pm
    • Friday 8:00 am – 8:00 pm
    • Saturday 8:00 am – 4:00 pm
    • Sunday Closed
    • Volkswagen Sales Department
    • Monday 8:00 am – 8:00 pm
    • Tuesday 8:00 am – 8:00 pm
    • Wednesday 8:00 am – 8:00 pm
    • Thursday 8:00 am – 8:00 pm
    • Friday 8:00 am – 7:00 pm
    • Saturday 8:00 am – 4:00 pm
    • Sunday Closed
    • Subaru Sales Department
    • Monday 8:00 am – 8:00 pm
    • Tuesday 8:00 am – 8:00 pm
    • Wednesday 8:00 am – 8:00 pm
    • Thursday 8:00 am – 8:00 pm
    • Friday 8:00 am – 7:00 pm
    • Saturday 8:00 am – 4:00 pm
    • Sunday Closed
    • Service Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Service Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Service Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Service Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Service Department
    • Monday 7:00 am – 8:00 pm
    • Tuesday 7:00 am – 6:00 pm
    • Wednesday 7:00 am – 6:00 pm
    • Thursday 7:00 am – 6:00 pm
    • Friday 7:00 am – 6:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Service Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Service Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Service Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Parts Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Parts Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Parts Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Parts Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Parts Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 6:00 pm
    • Wednesday 7:00 am – 6:00 pm
    • Thursday 7:00 am – 6:00 pm
    • Friday 7:00 am – 6:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Parts Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Parts Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed
    • Parts Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 7:00 pm
    • Saturday 7:00 am – 3:00 pm
    • Sunday Closed

    Welcome to Al Serra Auto Plaza in Grand Blanc, MI

    If you’re a Michigan driver looking for unmatched variety, transparent pricing and a reputation for treating customers the right way, Al Serra Auto Plaza is right for you. Our dealership in Grand Blanc, MI, specializes in providing our customers with an incredible selection of new and used cars, and we sell more brands under one roof than anyone else in the area. Add in our expert service team, convenient body shop, expansive parts department and friendly finance staff, and it’s clear that Al Serra Auto Plaza is the right choice for you.

    In the market for a new car? You’ll be stunned by the variety available to you at our dealership near Flint. Buy a new Honda, Chrysler, Buick or Volkswagen if you’re looking to upgrade your daily commutes. Need a truck to tackle tough jobs? We sell new Ram and GMC models that are sure to please. Hop behind the wheel of a new Jeep, Subaru or Kia SUV. Or if you want to truly own the road, check out a new Cadillac, Dodge or Chevy. We sell many of the most popular models on the road today at Al Serra Auto Plaza, and offer an incredible selection of pre-owned cars, too. Speak with our friendly finance team to buy or lease the new, CPO or used car that’s right for you!

    Our relationship doesn’t end once you drive off the lot; we’re also committed to keeping your car, truck, van or SUV running in top shape. We offer an expert staff of technicians who can tackle routine service, substantial repairs and major bodywork alike. Schedule a service appointment, take advantage of our protection plans and visit our body shop if you want your car looking as good as new. Al Serra Auto Plaza offers an extensive selection of parts and accessories, too, and we’ll be sure to order exactly what you need.

    Conveniently located at 6167 S. Saginaw Rd. in Grand Blanc, Al Serra Auto Plaza is easy to get to from Davison, Fenton, Auburn Hills and all over central Michigan. Make us your first and last stop the next time you need auto sales or service, and see how you’ll benefit from One Destination with So Many More Choices!

    2017 Al Serra Auto. All Rights Reserved.



    How to Find Low Interest Rate Personal Loans Online #guaranteed #bad #credit #loans


    #low interest rate loans
    #

    Things You’ll Need

    Consider Peer-to-Peer lending – The primary reason why banks are forced to charge such high interest rates on personal loans is the amount of risk they are assuming. When borrowing $2,500 from a bank, there is only one entity that will be damaged if you default on your loan. With peer-to-peer lending, also known as social lending, hundreds of investors pool their money together and lend it out in various packages.

    Instead of borrowing the entire amount from one entity, you can borrow $25 from 100 different people. Since the amount that each person is investing in you is smaller, the perceived risk is also smaller, thus resulting in being able to obtain low interest personal loans.

    Develop Your Story – If you should decide to borrow money from one of these lending networks, you must fully develop your story. Consider things as:

    • Why do you need this personal loan?

    • What are you going to do with the money?

    • How do you intend to repay this debt?

    Gather Appropriate Information – Along with you personal story, you must also provide some relevant personal information. Gather such information as your current credit score and the number of delinquencies that you have had in the past 24 months.

    You should also develop a personal profit loss statement for the past 12 months showing how much money you earn versus how much your monthly expenses total. Low interest personal loans can be easier to obtain online than at your current bank. Always seek the opinion of a qualified financial adviser before applying for any loan online.



    Home Affordability Calculator – Find A Price Range #cheapest #car #loans


    #home loan eligibility calculator
    #

    Determine Mortgage Eligibility With Our Home Affordability Calculator

    How much home can I afford?

    Additional Information

    How Do You Find Suitable Homes in Your Price Range?

    When you make the decision to buy a home, it’s as if blinders are lifting. As you drive to work, or the store or the gym, you notice all the realtor and FSBO (“For Sale by Owner”) signs that are all over town. The prices, the options, the floor plans and everything else can make you dizzy, so refine your wants and needs and what you can live without before you actually start looking. And this is NOT Valentine’s Day, so don’t fall in love with a particular house.

    Be especially careful if you are working with a realtor, as they have a tendency to “up-sell” you into a house that you may love but can’t really afford. There’s nothing for them to lose by this endeavor, because the higher the house price, the more they make in commissions. Just remember–you will be the one paying the mortgage and the associated bills.

    How Much House Can You Afford?

    The idea of buying your first home can be intoxicating and intimidating at the same time. You are embarking on a journey down an unfamiliar road, so the first consideration is what you can afford to spend on a house.

    Consider this from a couple of different angles:

    • How much of a monthly payment can I afford?
    • What savings do I have available for a down payment?
    • How do I plan to cover other expenses such as the earnest money deposit and closing costs?

    Click here for full article

    Setting Up House

    The financial future of most people is dictated by the way they start out as independent adults. If you are going to set up house on your own or with a partner (or know someone who is), then you may find some good advice here.

    Establish good financial habits early. They can save you lots of grief and money down the road. More couples break up over financial issues than for any other reason. Good financial habits will go a long way toward providing peace and harmony in your home. The key to developing good financial habits is a sound lifestyle financial plan that will help you achieve your lifestyle goals. Over time, your goals will change–that’s okay. A good financial plan will allow you to change your goals as you go along. But remember, they’re your goals. Many persons become discontented because they try to achieve someone else’s goals. You’ve heard the expression “keeping up with the Joneses.” This refers to trying to achieve someone else’s goals. Even if you succeed, you most likely won’t be happy. You will only be happy if you achieve your own goals.

    Definitions

    Current combined annual income

    The gross annual income of you and your spouse (if applicable).

    Monthly child support payments

    The monthly amount paid for child support.

    Monthly auto payments

    The total monthly amount paid for automobile loans.

    Monthly credit card payments

    The total monthly amount paid toward credit cards.

    Monthly association fees

    The total monthly amount for association fees.

    Other monthly obligations br em (not including current mortgage payment) /em

    Any other monthly obigations.

    Annual interest rate on new mortgage

    Term of new mortgage

    The number of years you wish to finance this home mortgage loan.

    Funds available for a down payment

    The amount of cash you have available to use as a down payment.

    Estimated annual property taxes

    The annual amount you expect to pay for property taxes.

    Estimated annual homeowner’s insurance

    The annual amount you expect to pay for hazard/homeowner’s insurance.

    Also known as the debt ratio, lenders use this ratio along with the front-end ratio to determine the maximum loan amount. Debt ratio equals your combined monthly mortgage payment plus any other monthly debt obligations such as credit cards and alimony divided by your gross monthly income. Use a front-end ratio of 33% for conservative results and as high as 42% for aggressive results (usually requires a excellent credit and a higher down payment).



    Find the Perfect Loan for your financial needs. #school #loan #consolidation


    #online payday loan lenders
    #

    Compare and review the top payday lenders:

    • Save on Interest
    • Maximize Approval Rate
    • Avoid Questionable Lenders

    Rank. 1

    APR. 391% Average

    Max Loan Amount. $1,000

    Highlights.

    APR. 200 – 2,290%

    Max Loan Amount. $2,500

    Highlights.



    Find Quick Payday Loans Online – Get Approved Fast #guaranteed #loans #for #bad #credit


    #quick payday loan
    #

    Quick Payday Loans Provide Assistance When It Is Most Needed

    If you need to apply for a loan, chances are you need it quickly, most likely for an unexpected bill that suddenly occurred. Emergency bills are expenses that cannot be predicted and can upset the financial applecart. If you are in need of quick cash and are not certain where to obtain it, quick payday loans may be able to help you.

    An unexpected bill usually requires prompt payment, but it may come at a time when you do not have adequate funds to handle it. If you have just been paid and your paycheck has been depleted, you cannot wait until you get paid again. Your emergency bill will not disappear, so you need to rely on a way of getting quick cash in order to take care of this financial dilemma. Quick payday loans can provide you with the money you need within one day of being approved.

    There are requirements that have to be met in order to get this type of loan, whether you are using an online lender or going to a cash advance store.

    • Your age must be at least 18.
    • You must be a resident of the U.S.
    • You will need to provide a home and work phone number and have a valid email address.
    • You will also need to have a steady source of income of at least $1,000 a month after taxes have been withdrawn.

    A store will require you to also produce photo ID. An online lender will require you to have a valid checking account so that your funds can be electronically deposited. This will provide you with faster service. If you do not have a checking account but do have a savings account, ascertain whether the lender will accept it, as some lenders do use savings accounts in the place of checking.

    Quick payday loans can be a blessing for those with poor credit, as a credit score is not necessary. Since this is an unsecured loan, collateral will also not be required. The loan is meant to be for a short period of time, usually paid back when the next paycheck has been received unless an extension has been requested from the lender.

    Payday lenders may issue loans in amounts ranging from $50 to $1,000. Sometimes, a higher amount can be obtained. Loan periods can range from ten days to thirty-one days, though there are lenders who will issue loans for a period of 100 days, giving borrowers ample time to get adequate funds together for a repayment.

    Through online lenders, quick payday loans can provide borrowers with the following benefits.

    • It is a convenient way of getting quick cash without having to use a bank or a credit card.
    • Online lenders can provide funds through a computer transaction, allowing individuals to receive the money they need very promptly. Both deposit and repayment of the loan can be handled electronically. With automatic repayment, borrowers will not have to worry about forgetting to pay back the loan, thus incurring additional fees.
    • The application process for online lenders is simple and fast, taking about five minutes in total time. After the application has been submitted, approval can come about almost immediately.
    • Online lenders can also provide secure sites with encryption of personal information, allowing borrowers to transmit their sensitive and private data safely.

    When those times occur where a bill needs to be paid and the money is not available, you will want to consider quick payday loans to help you out of a tough financial situation.



    Banks Loan – How To Find Banks Willing To Lend You Money #loans #today


    #bank loans
    #

    Banks Loan How To Find Banks Willing To Lend You Money

    With the difficulty of today s financial situation,the majority of the population need the help of bank loans to assist them through bad credit, educational purposes, mortgages and car loans. The process of holding money, transferring money and lending money is done mainly by banks and its industry.

    When it comes to financial needs and situations, the banking industry is probably the primary organization that is trusted by individuals. One main task these banks offer these individuals are banks loan achieving the status of helping other people who need money and don t have it. Each bank has their own policies but all cater to offering bank loans, whatever type the individual may need.

    A loan is one basic variable in the business world equation. All big companies pass through banks loan to start and keep up their businesses. So whether it is a large company or an ordinary professional, a banks loan are helpful in any financial status you might be in or you may need for in any financial nature.

    A loan is a certain amount of money that is borrowed that is required to be paid back. In terms and conditions that are agreed upon between the borrower and the lender. Banks loan first started in Genoa, Italy in the year 1400 s.

    Ever since banks have been taking care of people s money by investing it and keeping it safe. A banks loan is one of the ways they provide the help and care people expect from them. And since then, banks have upgraded certain features in their banking procedures not just loans in general but all kinds of services they can offer. With the boom of technology over the years, banks have taken the ride with this boom and have done online banking as an added service for individuals who prefer these kinds of transactions.

    How do banks loan work and how do bank gain money from loans? The only thing that banks earn from is the interest that will be added to the principal amount. Since as loans have a contracted amount to be repaid in certain terms normally every month, this money amount intended for installment payments already includes interest.

    Of course every bank has different rules and regulations and certain bank loan conditions. So depending on these conditions then will determine how much interest you should pay, meaning how much the bank has earned as well.

    Bans have different kinds of loans, each type of banks loan has a different set of conditions that go with it. Like for example, a secure loan needs collateral. Meaning the borrower needs to offer or barter something he owns for the loan. Mortgage loans are for purchasing houses. A credit card is an unsecured loan, meaning though there is no collateral, interest rates applied are very high. If the credit is not paid on time, then it will be unsafe and might end up giving you problems.

    At the end of the day a banks loan like any other is something borrowed and needs to be returned. Irregardless of what kind of banks loan you may have, this is something that you need to think over and discuss thoroughly if you can afford to repay it on time avoiding any hassles to you and your creditor in the future.

    Get Your Personalized Interest Rate. Choose Your Loan Type And Enter Your Zip Code:



    Unsecured Loans – Find an Unsecured Personal Loan Now #signature #loan


    #unsecured loan
    #

    Unsecured loans

    A personal loan and an unsecured loan are the same thing, but providers use different names to describe the same product.

    A personal loan is sometimes described as an unsecured loan because it allows you to borrow money without having to provide security against it, such as your home or car.

    Compare unsecured loans

    Compare a wide range of unsecured loans and find the right rate for you.

    Instead, an unsecured (or personal) loans provider will base their decision on granting you a personal loan by using your personal credit history. This is verified by a credit check to determine your credit rating.

    How does a credit check work?

    The lender will use an approved credit reference agency to make a search on your name and address, and any previous addresses, which you give in your personal loan application.

    This credit check involves calculating your credit rating, which shows how risky it will be to give you a personal loan.

    Each time a credit check search is requested by a lender, it will be noted on your credit rating by the credit reference agency and detailed in any future credit checks.

    If you have had no previous credit issues, a credit check should be very straightforward and you should be eligible for the majority of personal loans. You can see your credit report for yourself with services like Credit Expert from Experian.

    Will using uSwitch s loans comparison service affect my credit rating?

    No. Any information we gather from you is used solely to make an accurate comparison of unsecured personal loans. A loan provider will only ask for an actual credit check when you complete and submit a personal loan application.

    The lender should always inform you if a credit reference check is being carried out. And you should also be told if credit account information will be stored with a credit reference agency.

    I have a bad credit rating. What can I do?

    Be honest and tell us when you make your comparison. There are some unsecured loans available if you have bad credit. If we cannot find a suitable unsecured loan, we will provide you with details of how you can still borrow the money you require.

    It is always a good idea to check your credit report before you apply for an unsecured loan that way you can see what a potential lender will see before you apply.

    Unsecured loans made safe and easy

    Now you know that an unsecured loan is just another name for a personal loan, and have understood how lenders rate those applying for them, it’s time to take the next step. To find a great personal loan for you go to our personal loans calculator .



    Personal loans UK – Find a Personal Loan Now #interest #payment #calculator


    #uk loans
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    Personal loans UK

    Searching for personal loans can be a complicated process. This guide will help you find a personal loan to suit your needs.

    There are over 70 types of lenders offering personal loans in the UK, from traditional banks and building societies to online banks and post office loans.

    Compare personal loans

    Personal loan providers in the UK

    Here are just a few of the places you can get a personal loan in the UK.

    High street banks and building societies

    This traditional way of taking out a personal loan in the UK is still a good idea if you like to go for familiar brands. Or you might want to be able to drop in and chat to your lender, as they usually have branches in every town. But a bank on the high street will usually charge a little more interest than an online bank.

    Supermarkets, shops and post offices

    There are now supermarket, shop and post office loans. All of which are increasingly starting to offer their own financial products. This can be really handy as you can include shopping for a personal loan along with other types of purchases.

    Online banks

    With online banking you benefit from the fact that the lenders have lower overheads, so they usually charge less for personal loans. In fact, most of the lowest loan rates around are from online banks.

    As well as banking online, you ll also be able to phone the loan company if you have problems or need to speak to someone about your loan. Another advantage is that you do not have to be in the UK to manage your loan.

    Borrowing and lending exchanges

    Borrowing and lending exchanges work rather like a co-operative in that they offer lower cost personal loans. They are able to do this because they cut out the sorts of middlemen and extra costs that make high street bank loans so expensive. So people lend and borrow from one another directly.

    Their lenders and borrowers enter into a legally binding contract with their respective borrowers and lenders. The exchange manages the collection of monthly repayments and if any of that money is not paid on time, it uses exactly the same sort of recovery processes that the high street banks use.

    Then to reduce any risk further, amounts that are borrowed or loaned are spread between at least 50 borrowers and lenders.

    Let us shop the UK  loans market for you

    Let us take the hard work out of finding the right UK personal loan for you. All you have to do it tell us a few details and we’ll do the rest.

    Our personal loans comparison service is completely impartial we show you the most accurate listings of loan products that are available now.



    Loan Sharks – Find Bad Credit Loans. Not Predators #housing #loan #eligibility #calculator


    #personal loan lenders
    #

    Consolidation

    Learn More About Loan Sharks

    Consumers with bad credit histories are often times unfortunate victims of financial scams as well as relentless loan sharks. So what is a loan shark. It s a person or company that loans money to an individual at extremely high interest rates sometimes regulated by the government but often times not. In many cases the term is subjective in nature.

    Whilst a bad credit lenders such as payday loan companies may be acting in complete compliance under government regulation and policies, their lending practices are often times frowned upon by financially educated consumers and financial activist groups. However still, many will argue that such loans provide a much needed service to individuals in financial distress. The problem in many cases is that such individuals are charged such extreme amounts of interest that it then becomes difficult to pay the loan off thus compounding the debt, and in many cases causing the borrower to apply for yet another high interest, high risk loan. To better understand legalities and ethics, here s an overview of loan sharks and how their product/service is utilized in the marketplace. Because of the high interest rates these lenders charge, many will agree that the term loan shark is sufficient.

    Legal and Regulated Lenders

    Payday Loan Companies Many people will often agree that payday loan companies are in the same category as legal loan sharks because of the high interest rates charged. How does a payday loan work? It works like this. Borrowers must write a personal check to the cash advance lender for the amount they wish to borrow PLUS the fee charged by the lender. The personal check is post dated and deposited into the lenders account on the borrowers next payday in most cases. New payday lenders have sprouted up that allow longer repayment periods in excess of 100 days.

    Although this doesn t necessarily mean its a better option. Payday lending is legal in 37 states within the United States. For a complete list of states where payday lending is legal, click here [will be updated in the future]. In the United Kingdom (UK), lenders are required to state the APR (Annual Percentage Rate), yet there currently is no interest ceiling that lenders must abide by. In other words, cash advance lenders in the UK can get away with charging astronomical interest rates. In the United States, according to the federal Truth in Lending Act. lenders are required to tell you the cost of the loan. This includes any and all finance fees, the APR, and the complete terms and conditions before you sign the loan.

    Bottom line? Such loans are legal for the most part as long as the company is compliant with all governing laws. However, should you be in a desperate financial situation it s recommended that you use these services as a last result.

    First, speak with someone at your local credit union. For a complete list of alternatives, you can read this article [to be updated in the future]. Additionally, if you know of a payday loan establishment operating in an illegal fashion or you or someone you know has been scammed by a payday loan company then report them here.

    Auto Title Lenders It s just as it sounds. A borrower provides their car title as collateral for a loan.



    How to Find a Payday Loan With No Credit Check #credit #card #consolidation #loan


    #online payday loans no credit check
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    How to Find a Payday Loan With No Credit Check

    Payday loans are among the most expensive loans available. In 2011 the Federal Trade Commission pointed to an example of a typical payday loan with a whopping 391 percent interest rate. Payday loans typically do not require a credit check because of the exorbitant interest rates. People willing to pay the huge interest rates usually have poor credit scores and are not eligible for standard loans from banks and credit unions. Payday loans, although controversial, are widely available.

    Other People Are Reading

    Find payday loans that do not require a credit check by visiting stand-alone check cashing stores. The stores are usually located in strip malls. They also advertise on radio or TV. Enter the check cashing store and ask about payday loans without a credit check.

    Check with banks and credit unions. Some may offer so-called “checking account advances” to established customers with active checking accounts and regular direct deposits. The checking account advances are somewhat similar to an overdraft, with repayment of the loan made through the next direct deposit of a paycheck or some other regular deposit.

    Investigate any online service. Make sure that you check the business out with the local Better Business Bureau or look for complaints online or lodged with your state’s department of consumer affairs.

    Contact a credit counselor certified by the U.S. Department of Housing and Urban Development. The counselors specialize in housing related issues as well as credit problems unrelated to housing. Counselors likely will try talking you out of a payday loan and may suggest alternatives to your financial problems. However, the Federal Trade Commission acknowledges that some people are forced into payday loans because of their situation and that if you do take a payday loan you should borrow only as much as you can afford to pay back on your next payday. Tell the counselor that is your plan as you ask for help finding a payday loan locally that does not require a credit check. Find a government-approved credit counselor in your area by checking the HUD website.



    Home Loan Interest Rates In Malaysia – Find The Best Housing Loan #payday


    #home loan interest rate
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    Choosing The Best Home Loan Interest Rates In Malaysia How?

    Share this!

    Written by Ching

    Interest is a fee charged by banks for lending you money. Essentially, interest is like “rent on money”.

    In Malaysia, housing loan interest rates are usually quoted as a percentage above or below the Base Lending Rate (BLR). For example, if the current lending rate is 6.6%, the interest rate on a “BLR 2.1%” loan would be 4.5%.

    What is Base Lending Rate?

    The BLR is the rate that banks refer to internally, before they decide how much to charge for the various products or loans they offer. The rate takes into account banks’ cost of operations, and is typically similar among the major banks. The rate is heavily influenced by the Overnight Policy Rate (OPR) set by Bank Negara.

    Find out more about the Base Lending Rate (BLR) and the new Base Rate  to take effect from January 2, 2015 onwards.

    Different types of rate: Fixed versus variable rate

    A housing loan with variable (or floating) rate is a type of loan where the interest rate could change at some point in the future.

    In contrast, a housing loan with fixed rate will not experience any changes to its rate throughout the entire loan period.

    Most housing loans in Malaysia today have variable rates (all banks that quote their housing loan rates as “BLR XX%” are variable rate loans).

    How is interest on a housing loan calculated?

    Banks charge interest on the unpaid loan amount of your home loan (also known as the loan principal or outstanding loan balance). Typically, home loan rates are calculated and charged on a monthly basis.

    As an example, let’s assume you borrow a RM500,000 home loan from a bank at BLR – 2.1%. Let’s further assume that the BLR is 6.6%.

    In your first month:

    Depending on how much your monthly instalment is, your interest charges may be less in subsequent months.

    Assuming your monthly repayment is RM3,000.

    In your second month:

    Previous month’s interest charges = RM1,875 (see above)

    Amount allocated to reducing outstanding loan = RM3,000 (previous month’s repayment) – RM1,875 (first month’s interest) = RM1,125

    Outstanding balance in Month 2:

    RM500,000 (initial loan amount) – RM1,125 (amount used to reduce outstanding loan in month 1) = RM498,875

    The total amount of interest charged by the bank in Month 2:

    RM498,875 x (6.6% 2.1%) / 12 = RM1,871.

    Daily rest versus monthly rest

    Depending on the loan agreement, interest may be calculated either on a “daily rest” or “monthly rest” basis. The diagram below provides an illustration of the difference between “daily rest” and “monthly rest” interest calculation.

    A home loan with daily rest calculation is almost always better than one with monthly rest calculation. The obvious advantage is that you can save some interest charges if you make a large repayment towards your home loan mid-way through the month (before your loan repayment is due).

    Like this article? Ready to take out a home loan? Check out iMoney s home loan comparison table for the cheapest home loan in Malaysia.



    Home Equity Loan Massachusetts: Find Home Equity Loan Rates in MA #installment #loans #online


    #best home loan rates
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    Home Equity Loan in Massachusetts

    Apply for a Massachusetts home equity line of credit or loan

    Whether you make your home near the sandy beaches of Cape Cod, in the wooded mountains of the Berkshires or in the cultural center of Boston, Massachusetts has something for everyone. These wonderful locations and many more throughout the state make Massachusetts a great place to live. You can improve your home even more with a home equity loan in Massachusetts.

    You can access the equity in your house with a competitive home equity loan rate in MA brought to you by Citizens Bank. With the funds you get from this loan, you can pay for major expenses and meet other financial obligations:

    • Pay for large medical or tuition bills with a Massachusetts home equity line of credit.
    • Use a Massachusetts home equity loan to replace your driveway, remodel the master suite or replace the roof.

    As a Boston bank, our home equity loan rates are attractive and can help you finance some of the bigger expenses in life. If you need to renovate your Boston brownstone, buy a new car for your weekend drives through Cambridge, or finance your child’s education, you can do that with a Massachusetts home equity loan.

    Start your home equity loan application in Massachusetts

    When you’re ready to apply, start the home equity loan application process online by answering a few questions about your borrowing needs, and we’ll contact you by the end of the next business day to complete your application and walk you through the next steps in the process. You can also learn more about our home equity products.

    Check out our other Massachusetts products:



    Find the cheapest secured loans with #credit #card #for #bad #credit


    #secured loans calculator
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    Cheap secured loans in the UK

    If you re looking for the cheapest secured loan read on and find out all you need to know about the secured loans market in the UK.

    Before searching for the best secured loans in the UK, it might be useful to brush up on the facts and get to know the market a bit better.

    Compare secured loans

    Compare a whole range of homeowner loans for borrowing between £3,000 and £80,000.

    What is a secured loan?

    By taking out a secured loan, you are borrowing money that is secured against your assets, usually your property.

    It’s wise to consider very carefully before going down this route, as you could lose your home if you cannot keep up the repayments.

    Always make sure that the cheapest secured loan you find in the UK does not become a very expensive one.

    Why choose a secured loan?

    Secured loans are a tricky market, where many lenders are only willing to work through brokers.

    To ensure you have a good chance of finding the best secured loan rates available to you in the UK we work with a loan broker to widen the secured loan possibilities available to you.

    This loan broker has been carefully selected to ensure you receive the highest level of service.

    Secured loans comparison how to find the best secured loans

    The UK secured loans market is full of pitfalls for the novice or the unwary, as it’s full of lenders who run the whole gamut from highly reputable merchant banks to those who are little more than loan sharks.

    Once you’ve identified a cheap secured loan by using our secured loans calculator we will then refer you to a loan broker that we have vetted.

    Is the cheapest secured loan always the best secured loan?

    Before searching for the cheap secured loans, you need to be honest about your loan requirements. For instance:

    • Will you take a secured loan from a lender you have not heard of?
    • How much can you afford to borrow and pay back?
    • What happens if you want to pay back your loan early?

    Once you’ve understood and assessed your circumstances against these pointers and you are prepared for some questions about your assets, you’re ready to go on to next stage.

    Apply now for your cheap secured loan

    Just go to our secured loans comparison service and when you find your cheapest loan in our results, click on Apply to start your loan application.



    Find Quick Payday Loans Online – Get Approved Fast #law #school #loans


    #quick payday loan
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    Quick Payday Loans Provide Assistance When It Is Most Needed

    If you need to apply for a loan, chances are you need it quickly, most likely for an unexpected bill that suddenly occurred. Emergency bills are expenses that cannot be predicted and can upset the financial applecart. If you are in need of quick cash and are not certain where to obtain it, quick payday loans may be able to help you.

    An unexpected bill usually requires prompt payment, but it may come at a time when you do not have adequate funds to handle it. If you have just been paid and your paycheck has been depleted, you cannot wait until you get paid again. Your emergency bill will not disappear, so you need to rely on a way of getting quick cash in order to take care of this financial dilemma. Quick payday loans can provide you with the money you need within one day of being approved.

    There are requirements that have to be met in order to get this type of loan, whether you are using an online lender or going to a cash advance store.

    • Your age must be at least 18.
    • You must be a resident of the U.S.
    • You will need to provide a home and work phone number and have a valid email address.
    • You will also need to have a steady source of income of at least $1,000 a month after taxes have been withdrawn.

    A store will require you to also produce photo ID. An online lender will require you to have a valid checking account so that your funds can be electronically deposited. This will provide you with faster service. If you do not have a checking account but do have a savings account, ascertain whether the lender will accept it, as some lenders do use savings accounts in the place of checking.

    Quick payday loans can be a blessing for those with poor credit, as a credit score is not necessary. Since this is an unsecured loan, collateral will also not be required. The loan is meant to be for a short period of time, usually paid back when the next paycheck has been received unless an extension has been requested from the lender.

    Payday lenders may issue loans in amounts ranging from $50 to $1,000. Sometimes, a higher amount can be obtained. Loan periods can range from ten days to thirty-one days, though there are lenders who will issue loans for a period of 100 days, giving borrowers ample time to get adequate funds together for a repayment.

    Through online lenders, quick payday loans can provide borrowers with the following benefits.

    • It is a convenient way of getting quick cash without having to use a bank or a credit card.
    • Online lenders can provide funds through a computer transaction, allowing individuals to receive the money they need very promptly. Both deposit and repayment of the loan can be handled electronically. With automatic repayment, borrowers will not have to worry about forgetting to pay back the loan, thus incurring additional fees.
    • The application process for online lenders is simple and fast, taking about five minutes in total time. After the application has been submitted, approval can come about almost immediately.
    • Online lenders can also provide secure sites with encryption of personal information, allowing borrowers to transmit their sensitive and private data safely.

    When those times occur where a bill needs to be paid and the money is not available, you will want to consider quick payday loans to help you out of a tough financial situation.



    Find a Private Lender #bank #of #baroda #home #loan


    #private loan lenders
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    Private Lenders

    Private lenders are generally comprised of experienced individuals, or groups of individuals willing to make private mortgages for higher interest rates.

    Finding the right private lender is like looking for a needle in a haystack. The reason you have to dig is because they often serve very specific niches such as non-owner occupied rehab loans. multi-family lending, or commercial lending. These lenders also tend to be smaller companies and work mainly on referral and word of mouth.

    The main reason PrivateMoneyLendingGuide.com was created was to help you find a lender as well as educate you about the hard money lending industry as a whole.

    Here are five steps to help you best locate a private or hard money lender that will serve your needs:

    Step 1: BROWSE THE PRIVATE MONEY LENDING GUIDE SITE

    Just do it! There s a lot of information on our site and it s all for you. We suggest reading a few articles before contacting private lending companies in order to bring yourself up to speed with what you should expect and the due diligence you need to perform the deal you wish to present.

    Step 2: SEARCH THE PRIVATE LENDER DIRECTORY

    After you ve read a few articles, search the private lender directory to find a specific lender that you feel will be a good match to fund your private mortgage.

    Step 3: CONTACTING A PRIVATE LENDER

    An easy way to introduce yourself is: Hi, my name is Sally Smith and I found your information on the Private Money Lending Guide directory. I have a project that I m working on that I would like to discuss with you. Do you have a few minutes?

    More often than not, you will be speaking with the principal owner or manager of the firm who will be very knowledgeable and helpful about is possible regarding your loan. Remember to discuss all aspects of your scenario and find out exactly what the hard money lendeR s loan requirements are.

    Step 4: SELECT A PRIVATE LENDING COMPANY

    Once you have interview a few private lenders and found someone with whom you feel comfortable, make sure to discuss the next steps with the lender, including a visit to the property and completing a loan application to determine if they can fund your loan.

    Step 5: CONTACT YOUR FRIENDLY PMLG TEAM



    Find a Private Loan #student #loans #for #college


    #private loan
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    Find a Private Loan

    For more than 30 years, Nelnet has helped students finance their education

    That’s why we’ve partnered with several reputable lenders to offer private student loans. These loans are for students needing to fill the gaps not met by federal financial aid, or who may be looking to refinance their student debt.

    Lender

    Private undergraduate, graduate, and refinance loans offer a variety of benefits, including:

    • No loan origination, disbursement, or pre-payment fees
    • Low variable and fixed interest rate options
    • Interest rate reduction incentives
    • Available to U.S. citizens and permanent residents, as well as non-residents with eligible U.S. citizen or permanent resident co-signer
    • Co-signer release options for creditworthy borrowers
    • Loans serviced by private companies like Nelnet, a leading servicer for the U.S. Department of Education’s federal student loan program

    U-fi is a service mark of Nelnet, Inc. for products and services provided by Nelnet Consumer Finance, Inc. You should exhaust lower-cost federal borrowing options before turning to non-federal loans. You are, of course, not limited to seeking loans or other products from U-fi.com, and are free to obtain information and loans from all other providers of student loans and related products.

    To use Nelnet’s lender locator, first choose your loan type. If Private Loan is selected, begin typing the name of the school you currently attend or plan to attend in the field provided. Click the correct school name to view possible lenders. Once a lender’s name pops up, click Apply Now to get started.