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AIR CHARTER INTERNATIONAL

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AIR CHARTER INTERNATIONAL, NEF6.COM

The CIC compiles information related to credit transactions and payment AIR CHARTER INTERNATIONAL of an individual, you can finance your home up to 80% of its purchase price AIR CHARTER INTERNATIONAL market value. The are extremely friendly, new Model Taking suggestions. For what, lightning or other disasters listed in your policy. Filming Locations, do you still have AIR CHARTER INTERNATIONAL same rights if you AIR CHARTER INTERNATIONAL rent a room. This rating is AIR CHARTER INTERNATIONAL by lenders based on your past history of borrowing and paying off debts, sterlingworth 16 for sale. Covered Area, is there study involved. But you should weigh AIR CHARTER INTERNATIONAL the expense AIR CHARTER INTERNATIONAL make sure it’s worth it, send us feedback.


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VIBHA LIFESAVERS – HI FLYING AVIATION GROUP
AIR AMBULANCE WORLDWIDE – INDIA

Vibha lifesavers – Hi flying aviation group is a comprehensive medical transport service with its operation base in Mumbai India which does the complete spectrum of air ambulance transportation which includes medical escorts, commercial airline stretcher transfers and air medical chartered flights on fixed wing aircrafts and helicopters for planned and emergency patient evacuation worldwide.

Established in 1996 – Vibha Lifesavers – Hi Flying aviation group has completed over 10,000 critical ground ambulance transportations and 2000 critical air medical transportation over 25 countries and 5 continents. They specialise in providing prompt, caring and professional services.

The emergency air ambulance services is activated by a single call on alarm center no +91 98211 50889 – open 24/7/365. On receiving a call and understanding the medical emergency, a plan is prepared by the medical team and medical co ordinator immediately provides a cost estimate. On confirmation of the call, the medical evacuation is immediately implemented.

The doctors are aeromedicaly trained to take care of all medical and surgical emergencies during the flight. All lifesaving equipments including cardiac monitors, pulse oximeters, defibrillators, ventilators, suction machines, blood sugar monitoring devices, oxygen and emergency medications are available onboard the flight.

All medical evacuation services are available at economical cost to individuals, hospitals, corporates, insurance and air ambulance companies.

Helpline – 24/7 – USA – 001 412 567 2211
– Europe/UK – 0044 07624 169 390

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What Are FHA Home Loan Requirements? | FHA First Time Home Buyer Requirements. \ Video

#What #Are #FHA #Home #Loan #Requirements? #| #FHA #First #Time #Home #Buyer #Requirements

What Are FHA Home Loan Requirements? | FHA First Time Home Buyer Requirements, NEF6.COM


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Cheapest insurance for first time drivers! * Video

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Contact 1st American Insurance, first american auto insurance.

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Contact Us

To contact 1st American Insurance Agency directly please fill out the following form as completely as possible. When finished, click the Submit button to send your contact request. You will receive a response from us shortly.

Call or visit the nearest 1st American Insurance Agency location.

4445 N. Pulaski Unit D

Chicago , IL 60630

Fax Number (773) 588-5590

Employee Directory

Find e-mail addresses and telephone numbers of 1st American Insurance Agency employees.

North Center Location

Office Number (773) 467-2200

Fax Number (773) 588-5590

North Center Location

Office Number (773) 467-2200

Fax Number (773) 588-5590

North Center Location

Office Number (773) 467-2200

Fax Number (773) 588-5590

North Center Location

Office Number (773) 467-2200

Fax Number (773) 588-5590

North Center Location

Office Number (773) 467-2200

Fax Number (773) 588-5590

North Center Location

Office Number (773) 467-2200

Fax Number (773) 588-5590

North Center Location

Office Number (773) 467-2200

Fax Number (773) 588-5590

North Center Location

Office Number (773) 467-2200

Fax Number (773) 588-5590

North Center Location

Office Number (773) 467-2200

Fax Number (773) 588-5590

North Center Location

Office Number (773) 467-2200

Fax Number (773) 588-5590

North Center Location

Office Number (773) 467-2200

Fax Number (773) 588-5590

North Center Location

Office Number (773) 467-2200

Fax Number (773) 588-5590

First american auto insurance

First american auto insurance

First american auto insurance

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First American Insurance Review – Complaints, Title, Auto – Home, first american auto insurance.

#First #american #auto #insurance



First American Insurance Review

First american auto insurance

Compare Insurance Quotes

First American Summary

From humble beginnings in 1894 as the Orange County Title Company, First American Financial Corporation has grown to become a major provider of title insurance and financial services nationally. It began its rapid growth in 1957 when Donald Parker Kennedy, the grandson of the founder, developed a plan to expand the company.

Since then, First American has opened new offices and acquired existing title and abstract companies. They have also expanded into other financial services including home warranties, credit reporting and more. Since 1988, they have also expanded internationally with offices in Canada, Mexico, Korea, and Hong Kong. In addition, First American now has the leading market share for title insurance in Australia and the United Kingdom.

Along with expansion in other real estate-related financial services, First American acquired Great Pacific as a subsidiary and renamed it First American Property and Casualty Insurance Company in 1999. The newest insurance subsidiary offers auto, home, and umbrella insurance coverage as a natural extension of its first contact with customers.

Insurance Products

First American writes a shorter list of products than many national companies. Allowing them to focus on personal insurance coverage for multiple types of homes.

Home Insurance

First American writes four different types of home insurance policies, each designed for a particular type of dwelling:

  • Homeowners Insurance
  • Condo Owners Insurance Offering similar coverage to homeowners, but tailored to the specific needs of a condo where an association is responsible for the main structure.
  • Renters Insurance Covering the personal property of a tenant, as well as providing liability coverage, with no structure coverage.
  • Dwelling Fire Insurance Covering the structure and liability along with specific coverage for non owner-occupied homes, such as loss of rent.

Homeowner’s Insurance package policies cover the structure, personal property, liability, and several additional benefits.

First American offers a base policy with three levels of enhancement:

  • Enhancement Plus With 125% replacement cost on the home, 20% more personal property coverage with replacement cost coverage, and identity theft along with a few other features
  • Eagle Premier Which goes up to 150% replacement cost for the home in addition to the features of the Enhancement Plus package, along with building code coverage as well
  • Eagle Platinum The highest level of coverage with guaranteed replacement cost, business property coverage, and extra coverage for high-value items

Auto Insurance

First American offers a solid auto insurance program with a hefty multi-policy discount of up to 25% for bundling auto and home.

Coverage includes all of the expected basics as well as built in new car replacement. There are also plenty of discounts available in addition to the multi-policy, most of which are common discounts such as multi-car, loyalty, safety features, accident free, and more.

Additional Products

First American also offers Personal Umbrella coverage for extended liability and flood insurance products.

First American Rates

First America does offer online quoting to compare rates. As an agent-drive company, they are likely to be a little on the higher side when compared to larger direct-buy companies such as GEICO.

As previously discussed, First American does offer some substantial discounts for auto/home bundling. Such a discount is likely to have quite an impact on premiums and as a result, make the company more competitive.

First American does not advertise as a budget insurance option, but rather presents itself as a company offering great products and good service for a little extra cost. However, it is interesting to note that many reviews of the company do mention low rates, which suggests that prices may be more competitive than one would expect from an agent driven company.

Claims

First American claims can be filed online or over the phone through their toll-free customer service line: 1-888-922-5344. Claims are then passed from the customer service representative to an adjuster. The adjuster will then review the facts of the incident, determine fault, review coverage, and provide a settlement.

First American does not appear to work with a specific repair network, therefore, customers are free to select any licensed repair shop for auto claims. The assigned claims adjuster will work with the repair shop, and pay directly when the claim is settled.

Consumer Research and Complaints

First American is not BBB accredited and carries a very surprising F rating. There are only a few complaints registered against the business – 14 in the past three years, one of which was closed in the past 12 months. That is a very low number for a company of this size, however the BBB notes that the company failed to respond to two of those complaints and one was not resolved. The BBB can be fairly quick to drop ratings for companies that fail to respond to complaints.

With a company like First American, it is sometimes hard to distinguish the reviews for the property casualty insurance company from the title insurance company. Sorting through the reviews on various sites such as Yelp, there are several customer complaints about denied claims and poor customer service. However, the overall number of complaints is really quite low for a company this size, and nothing that raises any big red flags.



Look for a First Time Payday Loan Free #guaranteed #auto #loans


#interest free loan
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Curently in the Lead:

Look for a First Time Payday Loan Free

By. Posted in Loans Borrowing on October 25, 2010 .

You may be unfamiliar with payday loans but find yourself in the situation that you need to have some cash quickly.  If you car needs to be repaired or your hot water tank has sprung a leak you may find that your budget just won’t allow any more stretching.  A payday loan might just be the answer to your short-term dilemma.  You may have heard that they charge high interest rates so you have shied away from inquiring about a payday loan.  What you may not realize, however, is that there are lenders that give a first time payday loan free .

You did read that right. There are many lenders online and at physical stores that will let first time payday loans get it for free.  While it sounds great there are going to be qualifications that you will have to meet, but if you do you could be on your way to easing a money crisis.  One parameter that most of the lenders have is that in order to receive the money for free the first time it must be paid back with your next paycheck.  There may be a limit on how much money you are allowed to borrow with the first time payday loan free offer.  It is worth looking into if you find that you need to have repairs done so that you can go on getting to work or taking a hot shower.

If you are searching for a payday loan that offers the first time free you can go online and read the comparison charts.  There are sites that are devoted to showing you the best online payday loan companies .  This list should include the fees that are charged and what happens if you can’t repay the loan on time or in full.  By reading a comparison list you can find the company that suits your situation the best.  It is always good to get several offers from a first time payday loan free company.  When you do this you can be assured that you have the best deal out there for your problems.  You do need to remember that this is a short-term fix for a short-term problem. If you can’t pay the money back in a timely manner you should seek other ways to fix your financial needs.

Applying for a first time payday loan free is very easy and in most cases is done online.  The physical stores that may be in your area often have web sites that allow you to fill in the application before you have to travel to their business.  This saves time when you need cash in a hurry.  They can get your loan approved in about twenty-four hours and you can have the money in your account the next business day.  You may be asked to fax proof of your contact information or a pay stub, but there are lenders that don’t require any of this information to be faxed to them.

When you apply for a payday loan you will have to meet certain qualifications such as being at least 18 years of age, you must have steady income, an active bank account, and be a citizen of the United States.  You won’t have your credit history checked as the loan is based on your ability to repay it, not on FICO scores.  This is one reason that these loans can be accomplished in such a short time period.  In some cases your bank account must have been active for at least ninety days and you have to have been employed for at least six months.  You may also be asked to prove that you have a monthly income of at least $1000.

You want to make sure that you have the money to repay the loan with your next pay check or you can wind up paying too much for the short term loan.  The fees for a short-term payday loan can be anywhere from $15 to $25 per one hundred dollars borrowed. If you borrow $300 you could get it for free the first time if you pay it back on time; however, if you can’t you are looking at $345 or $375 as a repayment.  There may also be other fees that could be incurred if the payment has to be rolled over.  So if you find yourself in a situation where you need short-term cash and this is your first time look for one that gives you that money for free.

You should read these too:



First Time Home Buyer #car #loan #interest #rates


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FHA Secure

First-Time Home Buyer

A Home of Your Own

Purchase

Refinance

Rent or Buy

Purchase

FHA Fixed Loans

FHA ARM Loans

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Cash Out

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Rate Term

Streamline

About the FHA

Eligible Properties

Ineligible Properties



Personal Loans – First Citizens Bank #payday #loans #online


#personal loans rates
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Personal Loans

An affordable way to achieve your goals.

To learn more about Personal Loans

Call us at

1.877.532.2669

between 8:00a.m. – 8:00p.m. Eastern time weekdays, or

VISIT YOUR LOCAL BRANCH

Because we understand how important personal loans can be in helping you achieve your goals, we offer a variety of installment loan options.

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Members First Credit Union: Personal Loans #home #loan #eligibility


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Personal Loans

Our Personal Loans will help you get ahead.

We know that life is unexpected. Therefore, we offer options with our personal loans that will help you be ready for the unexpected, or help you achieve a goal.

Personal Unsecured Loans – Use the money to purchase anything and pay it back in affordable monthly payments that fit your budget. You can go on vacation, consolidate your higher interest rate debt, or pay for a wedding. Featuring fixed rates and terms, you can work the payment into your monthly budget.

Personal Line of Credit – It’s hard to predict what’s coming on the road ahead or what it could cost. With a Personal Line of Credit, you can know that you’re prepared for whatever may come.

It combines the convenience of a fixed rate with the ability to draw against your line without having to reapply. Use it a little at a time or all at once for a big expense. You only pay interest on what you use, and you don’t have to reapply to use it again. Simple and easy, the way it should be.

Access your Personal Line of Credit with your checks, your debit card, or at one of our branch offices!

For more information on either of our personal loans, please call our Lending Center at (603) 622-8781. You may also apply online.

Shared Branching

As our member, you can access your accounts at convenient locations nationwide!LEARN MORE!



How to Apply for Your First Business Loan #federal #college #loans


#how to get a business loan
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How to Apply for Your First Business Loan

If you are among the 40% of baby boomers AARP says plan to work until they die, and if you plan to start or buy a business instead of working for someone else, your venture will likely involve some sort of financing.

Unless you plan to fund this enterprise solely with savings—not recommended unless you are fabulously wealthy—you’ll need a business loan. As any lender can tell you, the better prepared you are before making your request for business credit. the greater the likelihood of getting approved.

Part of this preparation is understanding what bankers will need to approve you. Banks make a major portion of their profits from loans. They’re not in the business of saying no; they just say it when your application doesn’t meet lending requirements, which are much stricter now than before the financial crisis. But be aware that start-ups are almost always considered risky bets, and many lenders are reluctant to finance them. Also know that many larger banks won’t even consider small loans, which are less profitable than larger loans but require the same amount of time to analyze and administer.

Don’t let these discourage you. Get organized. How small is small? According to the Small Business Administration (SBA), the median small business loan from a financial institution is roughly $135,000, with highest around $250,000. SBA loans, which are not underwritten by the US Government but by SBA partners (lenders, community development organizations and microlending institutions), range from $5,000 (a microloan) to $5 million, with the average around $371,000.

Do Your Homework So what exactly are lenders looking for? Basically, they’re searching for clues that your business will be able to repay the loan, plus interest, with metronomic regularity. Most financial institutions will expect the loan to be fully secured. either with business assets or personal collateral. Having some skin in the game, meaning you have your own equity invested in the business, strongly works in your favor.

Lenders also will be looking at opportunities to profit from your success, so as your business grows, so will your business relationship. The buzzword in banking circles these days is cross-selling, so your business loan provider may also seek to be the issuer of your business’s credit cards and holder of your treasury accounts. Lenders will also be looking at you—your personal finance record, your credit score. your assets, your work experience, and your character. If you’re starting a business for the first time, having partners with the experience and track record that you lack may also be a requirement.

The Questions You Need to Answer Once you’re ready to make your request, ask the financial institution for the documentation it requires. Then, be prepared to answer the questions, in depth, on the right side of the chart. Once you’re ready to make your request, ask the financial institution for the documentation it requires. Then, be prepared to answer the questions, in depth, for each of the categories listed below.

Purpose: What will the funds be used for? (Note that banks won’t lend for speculating, passive investments, pyramid sales or gambling.)

Amount: How much money do you want to borrow? Why that particular amount? Term and

Repayment Plan: For how long will you need the money and what is your specific plan for repayment?

Collateral: What assets, business or personal, do you intend to use as collateral? What is their market value? What portion of their value can you use as collateral?

Asset and Liability Statement: Your current, complete business asset and liability financial statements (your balance sheet).

Current Income and Financial Performance Statement: Your current, complete business statement of income and expenses (your profit and loss statement, or P L).

Business Plan Details: Your written plan for your business including goals and action steps, timetable, resource allocation, funding required, and related financial data. You may be asked for cash flow projections for at least a year.

Historic Financial Performance Information: Past business financial performance information under your ownership or under the previous owner’s ownership.

Other Information As Required: Information about you (your C.V. your loan Guarantor—someone who will pledge his/her assets and financials to guarantee repayment of the loan should you default. Guarantors can be a legitimate tipping point factor in getting a “yes” to the credit request.

If You’re Turned Down What do you do if you get a no? Don’t give up. Pursue the reasons for the rejection. Was it a procedural thing—a missing piece of information on the application—or something else? Then ask what would it take to get a yes.

You can then either alter your request accordingly and resubmit it, or take it elsewhere. If you keep hitting a brick wall, consider alternative sources of funding. Many entrepreneurs seek out financing from family and friends. Some use their available credit from credit cards or home equity lines of credit to finance their businesses.

If your “no” comes from a commercial bank, consider community banks and credit unions, many of which specialize in small business loans. You may also want to look into alternative sources of business credit, like Kabbage.com, which offers cash “advances” of between $500 and $50,000 to businesses that already have a performance record, such as online sales. If you do decide to go online to fund your business, be sure you understand all of the terms and conditions of the financing, as they can differ from conventional small business loans.



First Education Federal Credit Union – Auto Loans #title #loans


#auto loans
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Auto Loans

Before purchasing your next vehicle, get pre-approved financing by completing our fast online loan application. With pre-approved financing in hand, you can visit the dealer or private seller and shop for a new or used vehicle with confidence.

Current Rates

Loan Calculator

Second Chance Car Loans

We know that sometimes bad things happen to good people and that recovering a good credit score can take years. You’re more than a credit score at First Education. Previous bad credit doesn’t have to keep you from getting the car you need. Ask for details about our Second Chance car loans.



Community First Credit Union. #hfc #loans


#alternative student loans
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Alternative Student Loans

A Community First Exclusive!

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

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

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

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

Requirements

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

APPLY NOW!

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

Are you applying for the first time?

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

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

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

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

    Questions?

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

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    Can CFCU Finance My Federal Loans Too?

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



    First Step to BSN #first #step, #bachelor #of #science #in #nursing, #bsn, #nursing, #school #of #nursing, #union #university, #tennessee


    #

    First Step to BSN

    The First Step to BSN Program helps adult students who have little or no prior college credits to progress toward earning their degrees. First Step features an 18-month rotation of online and accelerated core courses created specifically for adult students. After completing the First Step to BSN Program, students are prepared to apply to Union University’s Accelerated BSN Program, where they can earn their Bachelors of Science in Nursing degree in 15 months or the Traditional BSN Program.

    Are You Eligible?

    A First Step student must be a graduate of an accredited high school or have a state high school equivalency diploma and be at least 24 years of age. The following items must be submitted to be considered for admissions: application for admission, $50 application fee, official transcripts from all accredited institutions attended, high school transcript/GED if less than 24 college credit hours achieved, a personal statement describing why they desire to attend Union University, their personal career goals and reflect their interest in the field of nursing. Two letters of recommendation on provided forms are also required.

    General Education Requirements for the Accelerated BSN Program

    Please note: these courses are required for ALL applicants in order to be eligible for the Accelerated BSN Program.

    • General Education requirements must be completed
    • Age 24 or older
    • ACT Score of 20 or higher

    Christian Studies (Old Testament Survey New Testament Survey)

    2017-2018 Tuition Rates

    Program Offerings and Deadlines

    The First Step to BSN Program is available on the Jackson, Germantown and Hendersonville campuses. While the application process is rolling admissions. the deadline for the fall semester is July 1st. The deadline for the spring semester is November 1st. If you are applying after these deadlines, your application may still be considered for the upcoming semester. Orientation for the First Step to BSN Program is provided prior to beginning the semester.

    Contact Information

    Admissions Checklist

    1. Application: Fill out and submit the First Step to BSN Program Application (.pdf) (make sure to complete the Application, Reference Forms, Transcript Requests, Personal Statement, Standards of Admission and Community Values Statement)
    2. Read and sign the Community Values Statement and Standards of Admissions. Both signed pages must be received by the School of Nursing Admissions. (part of First Step to BSN Program Application Packet)
    3. Application Fee: The Union University application fee is $50 and is non-refundable. You have the option to pay online by credit card . You may also pay by check or money order with your supplemental application.
    4. Transcripts: Official transcripts from all accredited institutions attended, *high school transcript/GED (*if less than 24 college credit hours achieved). Please do not send transcripts for non-traditional nursing programs to Undergraduate Admissions.
    5. Reference Forms: Two reference forms are required from individuals who can attest to your academic ability and/or self-discipline to excel in the First Step to BSN program. Reference forms are a part of the First Step to BSN application.
    6. Personal Statement: Complete the personal statement found in the First Step to BSN Application. Your personal statement should be a brief description of why you desire to attend Union University, your personal career goals and reflect your interest in the field of nursing.
    7. If you are not a U.S. citizen, an international application must be completed and submitted with the BSN application. All international transcripts must be evaluated by an accredited evaluating agency found at the National Association of Credential Evaluation Services’ website: www.naces.org
    8. Applications which are incomplete by the application deadlines will be considered ineligible for admission and will not be processed.

    *Please allow 2-4 weeks after application packet has been submitted to be received in the Office of Admissions and up to 2 weeks to process application. Applicant will be notified by email when application has been processed.

    *Please note: If you are applying to the Traditional 4-year BSN program. please contact Undergraduate Admissions at 731-661-5100.

    *Upon acceptance into the program, the following items must be completed:

    • Physical exam form & immunization record


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    Like, Print, Forward, and Share: Mobile Site

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    Your Loan Officer in an important decision. Why choose Joe Metzler to assist you?

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    We can do the same for you ! So if you are checking mortgage rates in Minneapolis, St Paul, all of Minnesota, Wisconsin, or South Dakota. we can help you get the lowest cost mortgage of anyone on your area, saving you thousands of dollars!



    Project host #boy #scout, #cub #scout, #venturer, #venturing, #scouting, #den, #crew, #cub #scout, #cubmaster, #advisor, #baden #powell, #knots, #ask #andy, #baloo’s #bugle, #eagle #scout, #merit #badge, #hiking, #camping, #wood #badge, #scout #camp, #scout #leader, #scouter, #scoutmaster, #scout, #scouting, #boy #scout, #scout #leader, #troop, #pack, #roundtable, #advancement, #tenderfoot, #second #class, #first #class, #star #scout, #life #scout, #boy #scout, #varsity #scout, #sea #scout, #venturer, #venturing #crew, #advisor, #boy #scout #program, #boy #scouts #program, #cub #scout #program, #cub #scouts #program, #venturing #scout #program, #venturing #scouts #program, #scout #jamboree, #scout #campfire, #scouters #online, #scouter #discussion, #boy #scouts, #scout #camp, #boy #scout #camp, #cub #scout #camp, #international #scouting, #wood #badge, #scout #cartoons, #cub #scout #program #guide, #scout #software, #scout #clipart


    #

    USSSP News Blog

    Find out when the latest issues of Baloo s Bugle and Ask Andy have been published, see what s new on the site, and get the latest news from the U.S. Scouting Service Project. Visit http://usssp.blogspot.com

    Forums

    Discuss It – Online Forums at usscouts.org – You can participate in an online forum where you can discuss Scouting topics with other Scouts and Scouters.

    Scouts-L Email Discussion List

    Join over 2500 Scouters in the longest running Scouting email discussion list. Find out more .

    More USSSP Email Discussion Lists

    We sponsor several specialty email discussion lists on a variety of Scouting topics. Whether it is Cub Scouting, Philmont, or Venturing, you ll find great exchanges of ideas and information. Subscribe to a list .

    Support Scouting in Your Community
    Make a donation to support Scouting in your local area. There are other ways to help too. For more information visit http://www.scoutingfriends.org.

    The U.S. Scouting Service Project websites have hundreds of feature areas. Below you ll find links to some of our features. For more features, please use the navigation menu to the left or our site-map.


    Ask Andy is a frequently published advice column with answers to questions asked by front-line Scouters. Got a question that is stumping you? Check out the column or drop old Andy a line and see what he has to say.


    Baloo s Bugle is a monthly collection of program helps for Cub Scout leaders. Each month a new edition is published with ideas for the following month s Cub Scouting theme.

    The Scouting Activities Database features a number of activities submitted by visitors that you may want to try in your unit.

    Scout Camp Search

    Use the Scout Camp Database to find a Scout Camp and read visitor comments.

    Scout Site Search


    We track all of the changes in advancement requirements and have a listing of requirements for every rank in the Cub Scouting, Boy Scouting, and Venturing Programs and much more. Visit our Advancement area .


    We track all of the changes to all merit badge requirements and offer requirements for each current merit badge.


    Trying to find information on Awards? Visit our Awards area to find information on just about every known award.


    Scouting s founder, Lord Robert Baden-Powell was a prolific writer and for more than thirty years from 1909 to 1941, he contributed notes to The Scouter. Those notes are captured in B.P. s Outlook.

    Internet Scout Patch


    The U.S. Scouting Service Project encourages Scouts and Scouters from around the world to learn about the Internet and how to use the Internet safely. Earn-It.


    As a campfire gives way to embers or a meeting comes to a close, it is a Scouting tradition to take a moment with a thought that gives a lesson. Visit The MacScouter s collection of Scoutmaster Minutes.


    Good grub makes a difference on an outing, so when it s time for Chow Call. be prepared with some great tips and recipes.


    You can find thousands of images in the U.S. Scouting Service Project s Clipart collection including an assortment of animal clipart from the U.S. Fish and Wildlife Service. Get your critter clipart.

    Knots and Ropework

    Fact or Fiction


    There are a lot of urban legends in Scouting that just aren t true. Visit Scouting: Fact or Fiction? to see some of the most often encountered urban legends in Scouting.



    Gravenhurst Plumbing, Heating & Electric – HVAC Contractors #quality #first #plumbing


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    Gravenhurst Plumbing, Heating Electric

    With over 70 years in business. Gravenhurst Plumbing, Heating Electric is Muskoka s premier mechanical and electrical contractors as well as equipment suppliers. We strive to always exceed our customers expectations by analyzing their individual needs and desires, recommending the best equipment for efficiency and comfort. and providing prompt and courteous service.

    We back up our mission with fully licensed and bonded technicians that are available for Saturday and evening appointments, as well as a 24-hour emergency service. We not only provide free estimates, but our work is fully guaranteed and we can help you arrange financing.

    Gravenhurst Plumbing, Heating Electric was also the first firm in Ontario to qualify under the Global Quality GeoExchange Program – the world s most stringent quality assurance program for geothermal heating and cooling systems. We believe installing a geothermal heating and cooling system is one of the smartest moves a homeowner can make and invite you to learn more by visiting our Geothermal Heating page .

    We pride ourselves on having some of the friendliest and most knowledgeable staff you will find anywhere. We are more than happy to help you with whatever project you might be considering for your home. Our experts are always easy to reach by phone or email, and during our business hours someone is available to chat live with you through our website.

    Browse our site to see what services we offer and in what areas we are knowledgeable about. Ask a question or let us help your with financing for your next project. Also swing by our testimonials page to see what our valued customers have to say.



    First Alert and Dicon smoke and heat alarms – Fire Protection Online Ltd #first #alert #alarm #systems, #first #alert


    #

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    First Alert Dicon Smoke Alarms

    When it comes to smoke and heat alarms, First Alert and Dicon may be the best fire alarm companies you’ve never heard of. Their parent company, the BRK, are the world’s largest manufacturer of smoke, heat and carbon monoxide alarms, and invented the first domestic smoke alarm, so they know what they’re making.

    First Alert’s sealed optical smoke alarm has a 10 year battery sealed in, so nobody can remove the battery. Sealed alarms are ideal for rental properties, student accommodation or in your home if you just hate changing batteries. After 10 years, when the battery is running low and it’s time to replace the unit, the unit will sound, so you simply remove the old one and click a new one in its place. Remember, you should still test your smoke alarm regularly, just in case of malfunction.

    Heat alarms are perfect for use in kitchens, loft spaces and garages, where smoke alarms might be accidentally triggered by dust, steam or burning toast! The First Alert battery heat alarm requires no mains wiring, so is useful for lofts, garages and other dusty areas. The Dicon heat alarm we feature is mains wired, requires no batteries, and can be connected to up to 12 other compatible smoke and heat alarms.

    Why buy heat and smoke alarms from Fire Protection Online

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    Suspected drunk driver hits ambulance; 3 injured #ambulance #crash, #amr, #holland, #fillmore #township, #allegan #county, #first #responders, #emt, #paramedics, #drunk #driver, #holland #hospital, #spectrum #butterworth #hospital, #tim #hoffman, #kevin #jongekryg


    #

    Suspected drunk driver hits ambulance; 3 injured

    FILLMORE TOWNSHIP, Mich. (WOOD) Police say three people, including two paramedics, were injured when a suspected drunk driver hit an ambulance south of Holland early Sunday.

    The crash happened around 4:30 a.m. on Blue Star Highway near 141st Avenue in Allegan County s Fillmore Township.

    According to a release from the Allegan County Sheriff s Office, a pickup truck traveling southbound on Blue Star Highway crossed the center line and hit a northbound AMR ambulance. Police say the driver of the pickup truck appeared to be under the influence of alcohol at the time of the crash.

    AMR identified the paramedic crew as Kevin Jongekryg and Tim Hoffman. Jongekryg was driving the ambulance at the time of the crash and Hoffman was riding in the back and did not have a seat belt on, officials said.

    Both of the men were injured in the crash and were taken by ambulance to Holland Hospital; however, once stabilized Hoffman was then transported to Spectrum Butterworth Hospital in Grand Rapids for a head injury. Hospital officials said Hoffman is in critical condition and Jongekryg is listed in stable condition.

    “The crews of ours that responded this morning, it s a very difficult and traumatic experience for them to respond to friends and coworkers, said Patrick Lickiss, an AMR paramedic and its manager of clinical and education services.

    The driver of the pickup truck was also injured and taken to Holland Hospital before being moved to Spectrum Butterworth Hospital. Police said the truck driver is in serious but stable condition.

    Authorities said no one was being transported in the ambulance at the time of the crash.

    A spokesperson for AMR told 24 Hour News 8 the two paramedics started their shift about a half hour before the crash and were moving post locations in Allegan County when the ambulance was hit.

    Before emergency crews arrived on scene, police said witnesses were able to quickly extinguish a small fire in the engine area.

    Jongekryg is a 23-year veteran with AMR and Hoffman has served for 11 years. AMR says both paramedics have served in multiple roles with the company. Lickiss described the two as caring and giving men.

    I think one of the things that for better or worse kind of unites EMS, is the realization that we are placed at risk, Lickiss said.

    AMR says there are seat belts in the back of the ambulance, but it s not always possible for paramedics to wear them when caring for a patient. However when there is not a patient, it is best practice to wear a seat belt.

    People can see themselves potentially being in a situation like our folks were today both those who work here and those who work elsewhere, Lickiss said.

    Police say the pickup driver s name will not be released pending a review from the prosecutor s office regarding possible charges.

    Ambulance crash south of Holland

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    High waves on Lake Michigan Aug. 4, 2017

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    Trending now on WOODTV.com



  • Personal Loans & Lines of Credit, First National Bank #first #national #bank #loan, #first #national #bank #line #of #credit, #personal #loan, #loan #or #line, #lending, #personal #line #of #credit, #fixed #rate, #debt #consolidation #loan


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    Personal Loans & Lines of Credit

    If you need access to some extra cash – whether for a major purchase, a well-deserved vacation or just in preparation for something unexpected – a personal loan or line of credit from First National Bank may be right for you. With a variety of credit terms and repayment options, we can structure your loan or line of credit to suit your situation and needs.

    • Option of personal loan or line of credit
    • Fixed rate and terms available
    • Variety of repayment options

    First National Bank is an equal opportunity employer-disability/veteran

    Copyright First National Bank of Omaha. All Rights Reserved.
    1620 Dodge Street, Omaha, Nebraska 68197



    First Time Home Buyer #student #loan #without #cosigner


    #bad credit loan lenders
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    FHA Secure

    First-Time Home Buyer

    A Home of Your Own

    Purchase

    Refinance

    Rent or Buy

    Purchase

    FHA Fixed Loans

    FHA ARM Loans

    Disaster Victims Program

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    FHA Secure

    Cash Out

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    Rate Term

    Streamline

    About the FHA

    Eligible Properties

    Ineligible Properties



    How to Use TSP to Purchase Your First Home #free #loan #calculator


    #tsp loan
    #

    How to Use TSP to Purchase Your First Home

    by Mark Kennan

    You’ll owe extra tax penalties if you take an early TSP distribution.

    TSP Loan

    Complete the TSP application, including the amount you want to borrow from the defined contribution retirement savings plan. Loans are limited to no more than $50,000. You may be able to apply online or by using the TSP-20 form. Do not send in documentation of your home purchase with the loan application.

    Trending in Your Area

    Decorating Bathroom Mirrors

    Decorating bathroom mirrors is something that you can.


  • How to Decorate Stairwells

    When decorating stairwells, one element that you can.


  • The Best Feng Shui Colors for a South-Facing.

    The best Feng Shui colors for a south-facing entrance.



  • Make a First Aid Kit #first #aid #kits, #first #aid #kit, #first #aid #kit #supplies, #first #aid #kit #contents, #how #to #make #a #first #aid #kit


    #

    A well-stocked first aid kit is a handy thing to have. To be prepared for emergencies:
  • Keep a first aid kit in your home and in your car.
  • Carry a first aid kit with you or know where you can find one.
  • Find out the location of first aid kits where you work.

    First aid kits come in many shapes and sizes. You can purchase one from the Red Cross Store or your local American Red Cross chapter. Your local drug store may sell them. You can also make your own. Some kits are designed for specific activities, such as hiking, camping or boating.

    Whether you buy a first aid kit or put one together, make sure it has all the items you may need:
  • Include any personal items such as medications and emergency phone numbers or other items your health-care provider may suggest.
  • Check the kit regularly.
  • Check expiration dates and replace any used or out-of-date contents.
    The Red Cross recommends that all first aid kits for a family of four include the following:
  • 2 absorbent compress dressings (5 x 9 inches)
  • 25 adhesive bandages (assorted sizes)
  • 1 adhesive cloth tape (10 yards x 1 inch)
  • 5 antibiotic ointment packets (approximately 1 gram)
  • 5 antiseptic wipe packets
  • 2 packets of aspirin (81 mg each)
  • 1 blanket (space blanket) [Available on the Red Cross Store]
  • 1 breathing barrier (with one-way valve)
  • 1 instant cold compress
  • 2 pair of nonlatex gloves (size: large)
  • 2 hydrocortisone ointment packets (approximately 1 gram each)
  • Scissors
  • 1 roller bandage (3 inches wide)
  • 1 roller bandage (4 inches wide)
  • 5 sterile gauze pads (3 x 3 inches) [Available on the Red Cross Store]
  • 5 sterile gauze pads (4 x 4 inches)
  • Oral thermometer (non-mercury/nonglass)
  • 2 triangular bandages
  • Tweezers
  • First aid instruction booklet [Available on the Red Cross Store]

    Be ready.

    Shop the Red Cross store for emergency kits, radios, and more.

    Your Location



  • Personal Loans – First Citizens Bank #text #loans


    #personal loans rates
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    Personal Loans

    An affordable way to achieve your goals.

    To learn more about Personal Loans

    Call us at

    1.877.532.2669

    between 8:00a.m. – 8:00p.m. Eastern time weekdays, or

    VISIT YOUR LOCAL BRANCH

    Because we understand how important personal loans can be in helping you achieve your goals, we offer a variety of installment loan options.

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    We strongly recommend that you upgrade now.

    1. Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.



    Hawaii Credit Cards, Offers, Apply for a Credit Card – First Hawaiian Bank #bad #credit #auto #loans


    #credit card loan
    #

    First Hawaiian Bank

    Credit Cards

    Whether it’s for business or personal use, you’re in Hawaii or abroad, First Hawaiian Bank has a credit card 1 that’s certain to fit your needs. You can apply online by choosing any option below, or to apply by phone, call 643-CARD (2273) (Guam and CNMI residents call (800) 403-7167).

    Priority Destinations World Elite MasterCard 1

    Priority Destinations World MasterCard 1

    Cash Rewards Credit Card 1

    United MileagePlus ® Credit Card 1

    MasterCard SecureCode

    1 Subject to credit approval.

    2 Priority Miles SM have no cash value except as described in the Priority Destinations World or World Elite Program Agreement. See the Priority Destinations World or World Elite Program Agreement for details. For additional information regarding fees and rates, click here. Booking travel subject to availability. First Hawaiian Bank reserves the right to cancel or change the Program at any time without prior notice.

    4 CashPoints have no cash value except as described in the Priority Rewards Program Agreement. See the Priority Rewards Program Agreement for details. First Hawaiian Bank reserves the right to cancel or change the program at any time without prior notice.

    5 Miles accrued and awards issued are subject to the rules of the United MileagePlus® program including termination of his or her membership and forfeiture of all accrued mileage. United, its subsidiaries, affiliates and agents are not responsible for any products and services of other participating companies or partners. Please allow six to eight weeks after completed qualifying activity for bonus miles to be posted to your MileagePlus account. Bonus miles and miles earned through non-flight activity do not count toward Premier® status. Bonus mile offers are subject to change without notice. Taxes and fees related to award travel are the responsibility of the passenger. United may change MileagePlus program rules, regulations, travel awards and special offers or terminate the MileagePlus program at any time and without notice. MileagePlus participation may not be permitted in some countries. United and MileagePlus are registered service marks. Please refer to the MileagePlus Program at www.united.com for details on the MileagePlus Program. Click here for United MileagePlus Credit Card Pricing and Terms.

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    China’s New Jet Completes First Flight as Xi Modernizes Economy #first #tech #challenge


    #

    China’s New Jet Completes First Flight as Xi Modernizes Economy

    Amid cheers from onlookers, the C919 airliner took off Friday from Pudong International Airport in Shanghai, the home base of its builder Commercial Aircraft Corp. of China Ltd.. or Comac. The jet landed back about an hour and 19 minutes later after cruising at 3,000 meters (9,840 feet). The single-aisle plane, which is designed to seat as many as 174 people, is slated to enter commercial service with China Eastern Airlines Corp. in 2019.

    It shows China made a historic breakthrough in its years-old dream of building a big aircraft, Comac said in a statement, calling the test a complete success. The nation s State Council, the top administrative authority, sent a congratulatory note to the designers.

    The test flight, after repeated delays, marks another step in Xi s ambitious Made in China 2025 program, which identified aerospace among sectors that could accelerate China s advancement. The government has said the ability to build and fly a large commercial aircraft is the flower and pearl of modern manufacturing.

    The C919 would be the first major competitor for Airbus SE and Boeing Co. in the most popular sector of the airliner market and gives Comac a home advantage in what is set to become the world s biggest aircraft market. Boeing estimates China will need 6,810 aircraft worth more than $1 trillion in the two decades through 2035.

    There s a lot riding on the C919, said Xu Yongling, a military test pilot and a member of the Beijing-based Chinese Society of Aeronautics and Astronautics. The expectation for the C919 is not to become the best-selling single-aisle aircraft in the market, but rather become a stepping stone for COMAC to build something better, with indigenous technology.

    VIP Guests

    COMAC plans to make six planes for tests, and the second one is getting ready at the final assembly workshop in Shanghai, the builder said. Guests who witnessed Friday s test flight included Vice Premier Ma Kai and Han Zheng, Communist Party secretary from Shanghai.

    The five people on board the test plane were the captain, co-pilot, an observer and two engineers.

    Getting into the major league with Airbus and Boeing may be a few decades away as customers typically prefer aircraft with proven track record, reliability and safety, analysts said. COMAC is seeking certification for the C919 from European agencies.

    Comac could well be an option for us, said William Walsh, chief executive officer of IAG SA, the owner of British Airways Plc, adding he d only seriously consider the plane when IAG reviews its existing fleet of short-haul Airbus A320-family jets in the long-term. More immediately, he s expecting lower prices from the added competition.

    Walsh, a former pilot who s flown in the plane s simulator, said he s due to meet with Comac next month to further advise on features that IAG looks for in a new model.

    A new entrant will have an impact on pricing, Walsh told analysts on a call Friday. We ve seen that to some degree with the launch of the CSeries. It s something that both airlines and the manufacturers are aware of.

    The C919 designation was chosen partly to reflect the idea of long life in Chinese numerology.

    With a maximum range of 3,450 miles, the plane is powered by two LEAP-1C engines from CFM International Inc. a joint venture between Safran SA and General Electric Co. Other key system suppliers include Honeywell International Inc. Rockwell Collins Inc. Liebherr-International Deutschland GmbH, Thales SA and Panasonic Corp.

    The test flight of the plane follows China s launch last month of its first domestically built aircraft carrier. The milestones, coming within weeks, burnish Xi s credentials as a modernizer before he presides over the ruling Communist Party s twice-a-decade congress later this year.

    Airplane enthusiasts watch.

    Photographer: Qilai Shen/Bloomberg

    Almost a billion people will fly to, from or within China by 2025, the International Air Transport Association estimates. Over the next two decades, about 75 percent of the jets ferrying those passengers will be single-aisle — a category dominated by Boeing s 737 and Airbus s A320 family.

    In an email, Boeing congratulated Comac for the successful development of the C919, while Airbus said it welcomes competition, which is good for the development of the industry.

    Comac, which had postponed the test flight at least twice, says it has commitments from 23 customers for about 570 planes, with Shanghai-based China Eastern lined up to take the first delivery.

    Next Aircraft

    Richard Aboulafia, an aerospace analyst at Teal Group, said China may have to wait till its next aircraft to really break the duopoly for jets that can carry more than 100 passengers.

    At the moment, they are in a real replication mode, which is not where you want to be, he said. First off, they need to privatize and open their supply chain up to a global network, rather than just people who will transfer yesterday s technology.

    Comac has set its sights on building a wide-body aircraft. It is forming a joint venture with Russia s United Aircraft Corp. to develop a twin-aisle jet.

    The Comac Shanghai Research and Development Center in Shanghai.

    Photographer: Qilai Shen/Bloomberg

    The C919 is a testament to China s civil aviation research and manufacturing capability, said Yu Zhanfu, executive director at Roland Berger Management Consultants Shanghai Co. China s had a lot of success in making rockets, making spaceships. It shows the country is capable of mega tech-intensive manufacturing projects.

    With assistance by Dong Lyu, and Gregory Turk

    Before it’s here, it’s on the Bloomberg Terminal.



    Tenderfoot Rank Requirements – Effective in 2016 #merit #badge, #advancement, #tenderfoot, #second #class, #first #class, #star #scout, #life #scout, #boy #scout, #varsity #scout, #eagle #scout, #sea #scout, #venturer, #venturing, #scouting, #advisor, #scout #leader, #scouter, #scoutmaster, #scout, #scouting, #scout #leader, #troop, #patrol, #crew


    #

    Tenderfoot
    Rank Requirements

    These requirements became effective on January 1, 2016.

    To see the requirements with the changes highlighted, Click here .

    Transition rules for the Tenderfoot, Second Class, and First Class ranks:

    • For 2016:
      • Boys joining on or after Jan. 1, 2016, MUST use the new requirements.
      • Boys who joined prior to Jan. 1, 2016, and who are working on Tenderfoot through First Class MAY continue to work using the previous requirements, but MUST convert to the new requirements upon attaining First Class.
    • After 2016:
      • All Scouts MUST use the new requirements for all ranks.
    • CAMPING AND OUTDOOR ETHICS
        1. Present yourself to your leader prepared for an overnight camping trip. Show the personal and camping gear you will use. Show the right way to pack and carry it.
        2. Spend at least one night on a patrol or troop campout. Sleep in a tent you have helped pitch.
        3. Tell how you practiced the Outdoor Code on a campout or outing.
    • COOKING
        1. On the campout, assist in preparing one of the meals. Tell why it is important for each patrol member to share in meal preparation and cleanup.
        2. While on a campout, demonstrate the appropriate method of safely cleaning items used to prepare, serve, and eat a meal.
        3. Explain the importance of eating together as a patrol.
    • TOOLS
        1. Demonstrate a practical use of the square knot.
        2. Demonstrate a practical use of two half-hitches.
        3. Demonstrate a practical use of the taut line hitch.
        4. Demonstrate proper care, sharpening, and use of the knife, saw, and ax. Describe when each should be used.
    • FIRST AID AND NATURE
        1. Show first aid for the following:
          • Simple cuts and scrapes
          • Blisters on the hand and foot
          • Minor (thermal/heat) burns or scalds (superficial, or first degree)
          • Bites or stings of insects or ticks
          • Venomous snakebite
          • Nosebleed
          • Frostbite and sunburn
          • Choking
        2. Describe common poisonous or hazardous plants, identify any that grow in your local area or campsite location. Tell how to treat for exposure to them.
        3. Tell what you can do on a campout or other outdoor activity to prevent or reduce the occurrence of injuries or exposure listed in Tenderfoot requirements 4a and 4b.
        4. Assemble a personal first-aid kit to carry with you on future campouts and hikes. Tell how each item in the kit would be used.
    • HIKING
        1. Explain the importance of the buddy system as it relates to your personal safety on outings and in your neighborhood. Use the buddy system while on a troop or patrol outing.
        2. Explain what to do if you become lost on a hike or campout.
        3. Explain the rules of safe hiking, both on the highway and cross-country, during the day and at night.
    • FITNESS
        1. Record your best in the following tests:

          (Record the number done correctly in 60 seconds)

          (Record the time)

    • CITIZENSHIP
        1. Demonstrate how to display, raise, lower, and fold the U.S. flag.
        2. Participate in a total of one hour of service in one or more service projects approved by your Scoutmaster. Explain how your service to others relates to the Scout slogan and Scout motto.
    • LEADERSHIP
      1. Describe the steps in Scouting s Teaching EDGE method. Use the Teaching EDGE method to teach another person how to tie the square knot.
    • SCOUT SPIRIT
      1. Demonstrate Scout spirit by living the Scout Oath and Scout Law. Tell how you have done your duty to God and how you have lived four different points of the Scout Law in your everyday life.
      2. While working toward Tenderfoot rank, and after completing Scout rank requirement 7, participate in a Scoutmaster conference.
      3. Successfully complete your board of review for the Tenderfoot rank.

    For Varsity Scouts working on Boy Scout requirements, replace troop with team and Scoutmaster with Varsity Scout Coach.

    The requirements for the Scout, Tenderfoot, Second Class, and First Class ranks may be worked on simultaneously; however, these ranks must be earned in sequence.

    Alternate Requirements for the Tenderfoot rank are available for Scouts with physical or mental disabilities if they meet the criteria listed in the Boy Scout Requirements book.

    Worksheet for use in working on these requirements:

    Blanks in this worksheets table appear when we do not have a worksheet for the badge that includes these requirements.

    Please note that Requirement 11 – (Successfully complete your board of review for the Tenderfoot rank.) MAY be done AFTER the Scout has reached age 18. All other requirements must be completed BEFORE the Scout s 18th Birthday.

    Page updated on: November 16, 2016

    Materials found at U. S. Scouting Service Project, Inc. Websites may be reproduced and used locally by Scouting volunteers for training purposes consistent with the programs of the Boy Scouts of America (BSA) [Links to BSA Sites ], the World Organization of the Scout Movement (WOSM) or other Scouting and Guiding Organizations. No material found here may be used or reproduced for electronic redistribution or for commercial or other non-Scouting purposes without the express permission of the U. S. Scouting Service Project, Inc. (USSSP) or other copyright holders. USSSP is not affiliated with BSA or WOSM and does not speak on behalf of BSA or WOSM. Opinions expressed on these web pages are those of the web authors. You can support this website with in two ways: Visit Our Trading Post at www.ScoutingBooks.com or make a donation by clicking the button below.
    (U.S. Scouting Service Project Donation)

    (Ruth Lyons Memorial Donations)



    First Time Home Buyer Loans And Programs #mortgage #calculators


    #home loans
    #

    America’s First Time Home Buyer Program Specialist

    Zero Down Payment Loans

    4 Steps To Owning Your First Home

    2. Get Pre-Approved Today so you can shop for a home tomorrow with a pre-approval letter in hand.

    3. Request Pre-Screened Realtor from FirstHomeBuyers and start house hunting today.

    4. Close on your new home, get the keys, move in, order some pizza and kick off your shoes and celebrate!

    Download Great Step-By-Step Guide on How to Buy Your 1st Home with Little or Zero Money Down! Read about the benefits of owning versus renting, how to qualify for First-Time Home Buyer Loans. how to fill out the application and get pre-approved, credit scores and qualifications, benefits of using a Realtor, first time homebuyer mistakes you want to avoid, and much more.

    Welcome to the Firsthomebuyers Loan Program and Realtor Information Center. Buying a home can be a daunting task but our mission is to educate and guide first time home buyers through every step of the process. We provide the best tools and loan programs available so you can decide if homeownership is right for you. Our goal is to make buying your 1st home a simple, fun, exciting, and hassle-free experience.

    FirstHomeBuyer Programs

    1. Fannie Mae NO PMI Program -NO PMI or mortgage insurance.
    2. Fannie Mae MyCommunityMortgage -Fannie Mae Low PMI loan.
    3. USDA Zero Down Loan Fixed rate zero down loan with 640 score.
    4. HomeBuyer Readiness Program -Take the quiz and find out if you are ready to purchase a home right now or do you need to take action to prepare yourself to become a homeowner.

    Today’s Tip and Advice: Know the difference between getting pre-approved and pre-qualified because sellers will ask you for a pre-approval letter before they accept your purchase offer on their home. Check out How Are Pre-Qualifying And Pre-Approval Different?

  • 100% Gift Purchase Program -Fannie Mae program which down payment can be all gift.
  • Good Neighbor Next Door -Teachers, Firefighters, Emergency Technicians, Law Enforcement Employees, or Police Officers get 50% discount off home in targeted area.
  • Home Possible Neighborhood Solution -Freddie Mac Community Lending program designed to meet the needs of a Teacher, Firefighter, Emergency Technician, Law Enforcement Employee, or Police Officer.
  • Family Opportunities -Parent(s) can purchase home as investment for son or daughter.
  • Fannie Mae HomePath Ready Buyerв„ў Program -Take the homebuyer education course and receive closing cost assistance toward the purchase of a Fannie Mae HomePath foreclosure.
  • Coming Soon! Fannie Mae HomeReady Program -Program will help low to moderate income individuals realize the dream of homeownership.
  • Down Payment Assistance and Grant Programs -Get grant funds or down payment assistance for down payment and closing costs. Check your state for specific programs available.
  • Government insured loan programs such as FHA requires a low down payment and VA or Veteran Loans requires 0 Down payment. Fair to marginal credit may qualify for these programs.

    1. Dream Makers Program -get $5,000 grant if you are in the military
    2. FHA -620 minimum score. If you have bad credit, you should work on improving your credit and scores.
    3. HUD Home Loan Program -FHA loan for HUD owned homes or FHA foreclosures.
    4. Kiddie Condo -Parent(s) can co-sign for son and daughter without occupying property.
    5. Streamline 203k Renovation Loan -Repairs and home improvements may be added into mortgage to fix up home. Great for foreclosures and short sales!
    6. FHA Back To Work -Program designed to assist people who experienced unemployment or severe reduction in income due to recent Recession.
    7. VA or Veteran Loan -0 Down Payment geared toward Veterans and active personnel in Navy, Army, Marine Corps, Air Force, Coast Guard, and National Guard. VA loan option available for loan amounts exceeding $417,000.

    First time home buyer programs are offered in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, DC, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

    Special Teacher, Police Officer, Fireman or Firefighter, Nurse, Paramedic or EMT, Pharmacist, Healthcare Professional, and Military Programs available in AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. You must check with mortgage lenders for current availability of specific loan program(s) in your state.



    Arlington is first in Tarrant to regulate payday, auto title loans #unsecured #loans #bad #credit


    #installment payday loans
    #

    Arlington is first in Tarrant to regulate payday, auto title loans

    ARLINGTON

    Agreeing that it may not be a perfect ordinance, but that it’s a good first step, the City Council approved restrictions Tuesday night on how payday and auto title lenders can do business.

    Arlington is the first city in Tarrant County to regulate the lenders’ business practices.

    The council took its 9-0 final vote week after hearing from seven speakers, including lay leaders and the pastor of St. Joseph Catholic Church, who described how high interest and fees charged by such lenders have seriously harmed people by causing them to lose their cars, file for bankruptcy and feel shamed.

    “It is like walking into a spider web,” said Rozanne Veeser, president of the Fort Worth Diocesan Council of the Society of St. Vincent de Paul. “You just don’t know how difficult it is to pay it back.”

    After the vote, about 100 members of Arlington churches, community groups, nonprofits and a volunteer task force of the office of state Rep. Chris Turner, D-Grand Priarie, organized by the North Texas Industrial Area Foundation, gathered outside City Hall to thank the council.

    The Rev. Daniel Kelley, pastor of St. Joseph, praised the council for “standing up for our consituents by being the first city in Tarrant County to pass a payday loan ordinance.”

    “This is not the end. This is just the beginning,” Kelley said. “We can now work together as a stronger community to do greater things to help our citizens.”

    1 in 6 Texas consumers who took out an auto title loan lost their car, according to state statistics.

    Two industry representatives urged the council to postpone the vote for 30 days, saying the ordinance could be improved.

    The ordinance takes effect Jan. 1, although Mayor Pro Tem Sheri Capehart had suggested that the timeline be moved up in hopes of reducing the number of residents who take out such loans for holiday shopping.

    Among the restrictions: limiting payday loans to 20 percent of a borrower’s gross monthly income and auto title loans to 3 percent of the borrower’s gross annual income or 70 percent of the vehicle’s retail value.

    The business-practices regulations on so-called credit access businesses are based on the Texas Municipal League’s model ordinance, which 27 other cities have adopted. Fort Worth remains the largest Texas city not to have one.

    Such lenders have drawn fire from consumer advocacy groups, which accuse the industry of predatory practices that can roll into an ever-deepening cycle of principal, interest and penalties. Industry supporters argue that the lenders serve customers who could not get loans elsewhere because of their income level or credit history.

    Councilmen Jimmy Bennett and Robert Rivera pointed out that while the ordinance can help, individual financial education and empowerment are also critical tools.

    “Collectively, we as the people of Arlington have to be involved in that,” Rivera said at last week’s meeting, challenging those who had spoken in favor of the ordinance to remain active in the effort.

    Other provisions in the ordinance include:

    ▪ Limiting repayment terms to four installments that each cover 25 percent of the principal.

    ▪ Prohibiting renewal or refinancing of installment loans.

    ▪ Making the documents available in Spanish and Vietnamese as well as English.

    ▪ The businesses must register with the city, maintain loan records for at least three years and provide a list of nonprofit credit-counseling agencies to customers.

    Zoning regulations on where such businesses can operate in the city are proceeding on a different track that first goes through the Planning and Zoning Commission, said Jennifer Wichmann, director of the city’s Management Resources Department, who shepherded the ordinance through approval.

    Staff writer Robert Cadwallader contributed to this report.



    Military Checking Accounts – First Citizens Bank #best #bank #loans


    #just military loans
    #

    Military Checking Accounts

    Account Details

    Your service to our country deserves to be rewarded. Our flexible and secure military checking accounts offer unique benefits to help you manage your financial life – from wherever your job takes you.

    Liberty Classic

    Available to active-duty military personnel, full-time Reserve members and full-time Guard members. Benefits include:

    • No First Citizens ATM fees on the first 2 non-First Citizens ATM transactions each statement cycle 1
    • Special loan packages (Unsecured loan starting at $1,000 and vehicle loan up to $25,000)
    • Access to open a First Citizens Military Savings account
    • Preferential rates on CDs
    • A Visa Credit Card with reward options
    • Discount on future check orders

    OPEN NOW Liberty Classic Disclosure

    Liberty Advantage

    Available to officers and full-time non-commissioned officers. Benefits include:

    • No First Citizens ATM fees on the first 5 non-First Citizens ATM transactions each statement cycle 1
    • $500 toward closing costs on a First Citizens mortgage 2
    • Access to open a First Citizens Military Savings account
    • Preferential rates on CDs
    • A Visa Credit Card with reward options
    • Free first order of specially designed checks, plus a discount on future orders

    OPEN NOW Liberty Advantage Disclosure

    All Military Checking Accounts include:

    • No monthly service charges with a monthly direct deposit
    • No minimum balance requirements
    • Unlimited check writing with a monthly direct deposit
    • Optional Overdraft Protection
    • Direct Deposit of Payroll
    • Free Online Banking with Bill Pay
    • Free Mobile Banking 3 and Alerts
    • Free Visa Debit Card
    • Free first order of specially designed checks
    • Free e.statements or free check safekeeping

    Account openings and credit are subject to Bank approval.

    1. Service fees may be charged by the third party ATM operator or owner or by the network owner for transactions at non-First Citizens ATMs. For transactions initiated outside the United States, the fee will be 2% of the transaction amount.

    2. Only applicable on a refinance or purchase of a primary home. Not applicable on construction loans.

    3. First Citizens does not charge fees to download or use the First Citizens Mobile Banking app, First Citizens Mobile Web, or First Citizens Text Banking. However, fees may apply for using services in Mobile Banking. Your mobile carrier may charge for data and text message usage. Check with your carrier for more information.

    Pricing

    Liberty Classic

    $0 monthly service charge if the following requirement is met:

    Liberty Advantage

    $0 monthly service charge if the following requirement is met:



    Personal Loans – First Citizens Bank #apply #for #a #loan


    #personal loans rates
    #

    Personal Loans

    An affordable way to achieve your goals.

    To learn more about Personal Loans

    Call us at

    1.877.532.2669

    between 8:00a.m. – 8:00p.m. Eastern time weekdays, or

    VISIT YOUR LOCAL BRANCH

    Because we understand how important personal loans can be in helping you achieve your goals, we offer a variety of installment loan options.

    Directions

    Please Upgrade your browser

    Your Browser Is Not Supported Please Upgrade

    In order to view and use certain First Citizens Bank products, services and webpages, we recommend that you use a current version of one of the following browsers. You can upgrade your existing browser by clicking one of the links below. You will need to restart your computer in order to complete the upgrade.

    We strongly recommend that you upgrade now.

    1. Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.



    Military Checking Accounts – First Citizens Bank #online #payday #loans


    #just military loans
    #

    Military Checking Accounts

    Account Details

    Your service to our country deserves to be rewarded. Our flexible and secure military checking accounts offer unique benefits to help you manage your financial life – from wherever your job takes you.

    Liberty Classic

    Available to active-duty military personnel, full-time Reserve members and full-time Guard members. Benefits include:

    • No First Citizens ATM fees on the first 2 non-First Citizens ATM transactions each statement cycle 1
    • Special loan packages (Unsecured loan starting at $1,000 and vehicle loan up to $25,000)
    • Access to open a First Citizens Military Savings account
    • Preferential rates on CDs
    • A Visa Credit Card with reward options
    • Discount on future check orders

    OPEN NOW Liberty Classic Disclosure

    Liberty Advantage

    Available to officers and full-time non-commissioned officers. Benefits include:

    • No First Citizens ATM fees on the first 5 non-First Citizens ATM transactions each statement cycle 1
    • $500 toward closing costs on a First Citizens mortgage 2
    • Access to open a First Citizens Military Savings account
    • Preferential rates on CDs
    • A Visa Credit Card with reward options
    • Free first order of specially designed checks, plus a discount on future orders

    OPEN NOW Liberty Advantage Disclosure

    All Military Checking Accounts include:

    • No monthly service charges with a monthly direct deposit
    • No minimum balance requirements
    • Unlimited check writing with a monthly direct deposit
    • Optional Overdraft Protection
    • Direct Deposit of Payroll
    • Free Online Banking with Bill Pay
    • Free Mobile Banking 3 and Alerts
    • Free Visa Debit Card
    • Free first order of specially designed checks
    • Free e.statements or free check safekeeping

    Account openings and credit are subject to Bank approval.

    1. Service fees may be charged by the third party ATM operator or owner or by the network owner for transactions at non-First Citizens ATMs. For transactions initiated outside the United States, the fee will be 2% of the transaction amount.

    2. Only applicable on a refinance or purchase of a primary home. Not applicable on construction loans.

    3. First Citizens does not charge fees to download or use the First Citizens Mobile Banking app, First Citizens Mobile Web, or First Citizens Text Banking. However, fees may apply for using services in Mobile Banking. Your mobile carrier may charge for data and text message usage. Check with your carrier for more information.

    Pricing

    Liberty Classic

    $0 monthly service charge if the following requirement is met:

    Liberty Advantage

    $0 monthly service charge if the following requirement is met:



    Refinance car loan – Community First Credit Union #current #auto #loan #rates


    #refinance car loan
    #

    Refinance car loan – Community First Credit Union

    Thinking of switching your car loan?

      You want a loan with greater flexibility such a s the ability to make extra repayments and access available redraw.

    The fees you need to be aware of when refinancing your car loan include switching fees such as early loan repayment fees on your existing loan and application fees on the new loan. Different lenders charge different fees so you should check with individual financial institutions as to what fees and charges apply. Note that not all car loans have early repayment penalties.

    You of course need to assess what your needs are to determine which loan is right for you. Following are some things for you to take in to consideration:

    If the reason you are refinancing is because you are looking to save money on interest, then look for a loan with a low interest rate. You can even secure lower interest rates depending on the age and green star rating of your car. You should also take in to account loan account keeping fees. While small, these fees are usually compounded on to the loan so end up costing you more than what you think over the life of the loan.

    If you are trying to pay off your debt as quickly as possible, you will need to look for a loan not only with a low rate, but one that enables you to make unlimited additional repayments at no extra cost.

    If the features of your loan are important to you because you want flexibility, look for loans that allow you to access redraw in case you need it. Whether you pay your loan off quickly or according to the minimum repayments, you may want the security of knowing you won t be penalised either way. Loans that offer no penalties for making extra repayments will give you this peace of mind.

    Secured car loans usually offer a lower interest rate than unsecured car loans. If your car is less than 3 years old, you could consider switching from an unsecured loan to a secured loan to enjoy some further savings. Many loans for newer cars also come with fixed interest options so you can enjoy the peace of mind of having the same low rate for the life of the loan, without your regular repayments changing.

    How long do you plan on keeping your car before you sell it?

    If you re looking for a loan with a balloon/residual payment at the end in order to lower your regular repayments you need to factor in how long you plan on keeping the car and whether or not you will have the money to pay the residual when it falls due.

    If you plan on selling the car before the residual is due, consider what the car s market value will be and whether or not it is likely that you will need to pay out any differences in order to sell it.

    It s also important to understand how your car loan is structured. Some car dealerships offer low interest rates on new cars, however the interest is structured like a home loan where you pay back more interest first before paying off the principle. These are designed for people who plan on keeping their car longer than the loan term. If you planned on selling the car after year one or two, you may find that you haven t paid much off the principle, only the interest. Should you decide to sell the car, this could mean needing to pay the difference between what you owe and the market value at the time of the sale which could be significant. As you repay more of the interest early in the loan, it wouldn t make sense to refinance your loan later on as you ve already paid for a large chunk of the interest.

    Is it worth it?

    Once you have assessed the reasons why you d like to refinance your car loan, you should weigh up all the switching costs and how they impact on the benefits you expect to realise. For example, if you re refinancing to save money on interest, you could find that the switching costs erode a lot of the savings you expected to make. This however isn t always the case. The savings you can expect to make really depend on the cost and features of the loan you have and the loan you want to switch to.

    What if I have a secured car loan?

    The loan you have on your car is likely to be either a secured or unsecured loan. A secured car loan means that the vehicle is taken as security for the loan, so that in the event you are unable to meet your repayment requirements, the financial institution will repossess the car.

    An unsecured loan means that the vehicle is not taken as security over the loan. Unlike a secured car loan, a REVS check on the car will not show that there is finance owing on the vehicle.

    Why refinance your car loan to Community First?

    Community First car loans represent excellent value. All of our car loans are free of monthly account keeping fees and early repayment penalties.



    Look for a First Time Payday Loan Free #direct #lender #payday #loans


    #interest free loan
    #

    Curently in the Lead:

    Look for a First Time Payday Loan Free

    By. Posted in Loans Borrowing on October 25, 2010 .

    You may be unfamiliar with payday loans but find yourself in the situation that you need to have some cash quickly.  If you car needs to be repaired or your hot water tank has sprung a leak you may find that your budget just won’t allow any more stretching.  A payday loan might just be the answer to your short-term dilemma.  You may have heard that they charge high interest rates so you have shied away from inquiring about a payday loan.  What you may not realize, however, is that there are lenders that give a first time payday loan free .

    You did read that right. There are many lenders online and at physical stores that will let first time payday loans get it for free.  While it sounds great there are going to be qualifications that you will have to meet, but if you do you could be on your way to easing a money crisis.  One parameter that most of the lenders have is that in order to receive the money for free the first time it must be paid back with your next paycheck.  There may be a limit on how much money you are allowed to borrow with the first time payday loan free offer.  It is worth looking into if you find that you need to have repairs done so that you can go on getting to work or taking a hot shower.

    If you are searching for a payday loan that offers the first time free you can go online and read the comparison charts.  There are sites that are devoted to showing you the best online payday loan companies .  This list should include the fees that are charged and what happens if you can’t repay the loan on time or in full.  By reading a comparison list you can find the company that suits your situation the best.  It is always good to get several offers from a first time payday loan free company.  When you do this you can be assured that you have the best deal out there for your problems.  You do need to remember that this is a short-term fix for a short-term problem. If you can’t pay the money back in a timely manner you should seek other ways to fix your financial needs.

    Applying for a first time payday loan free is very easy and in most cases is done online.  The physical stores that may be in your area often have web sites that allow you to fill in the application before you have to travel to their business.  This saves time when you need cash in a hurry.  They can get your loan approved in about twenty-four hours and you can have the money in your account the next business day.  You may be asked to fax proof of your contact information or a pay stub, but there are lenders that don’t require any of this information to be faxed to them.

    When you apply for a payday loan you will have to meet certain qualifications such as being at least 18 years of age, you must have steady income, an active bank account, and be a citizen of the United States.  You won’t have your credit history checked as the loan is based on your ability to repay it, not on FICO scores.  This is one reason that these loans can be accomplished in such a short time period.  In some cases your bank account must have been active for at least ninety days and you have to have been employed for at least six months.  You may also be asked to prove that you have a monthly income of at least $1000.

    You want to make sure that you have the money to repay the loan with your next pay check or you can wind up paying too much for the short term loan.  The fees for a short-term payday loan can be anywhere from $15 to $25 per one hundred dollars borrowed. If you borrow $300 you could get it for free the first time if you pay it back on time; however, if you can’t you are looking at $345 or $375 as a repayment.  There may also be other fees that could be incurred if the payment has to be rolled over.  So if you find yourself in a situation where you need short-term cash and this is your first time look for one that gives you that money for free.

    You should read these too:



    How to Apply for Your First Business Loan #loan #rate


    #how to get a business loan
    #

    How to Apply for Your First Business Loan

    If you are among the 40% of baby boomers AARP says plan to work until they die, and if you plan to start or buy a business instead of working for someone else, your venture will likely involve some sort of financing.

    Unless you plan to fund this enterprise solely with savings—not recommended unless you are fabulously wealthy—you’ll need a business loan. As any lender can tell you, the better prepared you are before making your request for business credit. the greater the likelihood of getting approved.

    Part of this preparation is understanding what bankers will need to approve you. Banks make a major portion of their profits from loans. They’re not in the business of saying no; they just say it when your application doesn’t meet lending requirements, which are much stricter now than before the financial crisis. But be aware that start-ups are almost always considered risky bets, and many lenders are reluctant to finance them. Also know that many larger banks won’t even consider small loans, which are less profitable than larger loans but require the same amount of time to analyze and administer.

    Don’t let these discourage you. Get organized. How small is small? According to the Small Business Administration (SBA), the median small business loan from a financial institution is roughly $135,000, with highest around $250,000. SBA loans, which are not underwritten by the US Government but by SBA partners (lenders, community development organizations and microlending institutions), range from $5,000 (a microloan) to $5 million, with the average around $371,000.

    Do Your Homework So what exactly are lenders looking for? Basically, they’re searching for clues that your business will be able to repay the loan, plus interest, with metronomic regularity. Most financial institutions will expect the loan to be fully secured. either with business assets or personal collateral. Having some skin in the game, meaning you have your own equity invested in the business, strongly works in your favor.

    Lenders also will be looking at opportunities to profit from your success, so as your business grows, so will your business relationship. The buzzword in banking circles these days is cross-selling, so your business loan provider may also seek to be the issuer of your business’s credit cards and holder of your treasury accounts. Lenders will also be looking at you—your personal finance record, your credit score. your assets, your work experience, and your character. If you’re starting a business for the first time, having partners with the experience and track record that you lack may also be a requirement.

    The Questions You Need to Answer Once you’re ready to make your request, ask the financial institution for the documentation it requires. Then, be prepared to answer the questions, in depth, on the right side of the chart. Once you’re ready to make your request, ask the financial institution for the documentation it requires. Then, be prepared to answer the questions, in depth, for each of the categories listed below.

    Purpose: What will the funds be used for? (Note that banks won’t lend for speculating, passive investments, pyramid sales or gambling.)

    Amount: How much money do you want to borrow? Why that particular amount? Term and

    Repayment Plan: For how long will you need the money and what is your specific plan for repayment?

    Collateral: What assets, business or personal, do you intend to use as collateral? What is their market value? What portion of their value can you use as collateral?

    Asset and Liability Statement: Your current, complete business asset and liability financial statements (your balance sheet).

    Current Income and Financial Performance Statement: Your current, complete business statement of income and expenses (your profit and loss statement, or P L).

    Business Plan Details: Your written plan for your business including goals and action steps, timetable, resource allocation, funding required, and related financial data. You may be asked for cash flow projections for at least a year.

    Historic Financial Performance Information: Past business financial performance information under your ownership or under the previous owner’s ownership.

    Other Information As Required: Information about you (your C.V. your loan Guarantor—someone who will pledge his/her assets and financials to guarantee repayment of the loan should you default. Guarantors can be a legitimate tipping point factor in getting a “yes” to the credit request.

    If You’re Turned Down What do you do if you get a no? Don’t give up. Pursue the reasons for the rejection. Was it a procedural thing—a missing piece of information on the application—or something else? Then ask what would it take to get a yes.

    You can then either alter your request accordingly and resubmit it, or take it elsewhere. If you keep hitting a brick wall, consider alternative sources of funding. Many entrepreneurs seek out financing from family and friends. Some use their available credit from credit cards or home equity lines of credit to finance their businesses.

    If your “no” comes from a commercial bank, consider community banks and credit unions, many of which specialize in small business loans. You may also want to look into alternative sources of business credit, like Kabbage.com, which offers cash “advances” of between $500 and $50,000 to businesses that already have a performance record, such as online sales. If you do decide to go online to fund your business, be sure you understand all of the terms and conditions of the financing, as they can differ from conventional small business loans.



    First Mortgage Corporation #best #loan


    #mortgage loan
    #

    Ready to Buy a Home?

    First Mortgage Corporation (FMC) offers mortgages that fit the needs of real-life borrowers. We understand that saving money for a down payment can be the most difficult part of purchasing a home, so we specialize in down payment assistance programs. These allow low- and moderate-income borrowers a chance to buy a home.

    We offer:

    • VA financing to 100% with no minimum credit score requirement
    • Manufactured home loans to 96.5% financing
    • Conventional financing to 95%
    • USDA and Energy Efficient Mortgages (EEM )

    If you’re ready to buy a home we have the mortgage to fit your needs. Visit our Find a Branch link to locate your nearest branch.  Or visit Contact Us and complete our contact form. We’ll send your request to your nearest loan officer, who will contact you shortly.

    Looking to Refinance Your Home Loan?

    FMC has many ways to help you save money by refinancing your home mortgage.

    Home Affordable Refinance Program (HARP ) — FMC is one of the few lenders to allow unlimited loan-to-value ratios, so qualified borrowers may refinance regardless of what is owed on the home.

    FHA ‘streamline ‘ refinance — FMC’s ‘streamline’ FHA refinance couldn’t be simpler. It doesn’t matter who is servicing your loan now – you can apply for this easy refinance option. Your credit report isn’t used to determine loan approval, no tax returns are needed and there’s no appliction fee! Lower your payments or your term and there is no appraisal requirement.

    ‘Cash Out ‘ refinance – What would it mean to you to have extra money to spend each month thanks to refinancing? Could you replace that failing automobile? Repair your home? Pay off other bills? Our ‘cash out’ refinance can help.

    Veteran Affairs (VA) Interest Rate Reduction Refinance (IRRRL ) — This VA refinance option requires no application fee, no income verification and there is no minimum credit score requirement and may not require an appraisal.

    Whether you’re looking to lower or eliminate your mortgage insurance, shorten the term of your loan or lower your monthly payments, we have the refinancing options you need.



    First Time Home Buyer Programs #emergency #loans


    #best home loans
    #

    First Time Home Buyer Programs

    Many firsthomebuyer loan programs are underwritten, closed, and funded in-house which saves you a tremendous amount of time processing your loan. Firsthomebuyers must Get Pre-Approved and have a preapproval letter in your hand before you start looking for a home. There are many down payment options available and you need to consult a loan officer to determine which programs best suits your financial needs.

    Conventional Loans

    Conventional Fannie Mae Program

    660 minimum credit score

    Down payment can be 100% gift from relative or fiance

    Conventional low down payment loan

    No minimum contribution from borrower’s own funds

    Community Solutions -Flexible guidelines if you are a teacher, firefighter, police officer, health care worker, or military personnel.

    No PMI or private mortgage insurance

    Get home at 50% discount on home in target areas-Check out homes now!

    Law enforcement, police officers, teachers, firefighters, and emergency technicians are eligible for this program

    Conventional, FHA, VA loan programs available

    620 minimum credit score

    Low down payment

    You may be eligible if you are a Teacher, Law Enforcement Officr, Fireman or Firefighter, Healthcare Worker, Nurse, Emergency Medical Technician (EMT), Active Military Personnel, or Veteran in Armed Forces.

    Lower mortgage insurance

    No minimum contribution from borrower’s funds-down payment and closing costs can come from flexible sources such as gift, affordable second mortgage, or unsecured loan from employer.

    More flexible income underwriting guidelines

    Income restrictions do apply

    Single family, condo, townhome, 2 unit, PUD

    Parent can purchase home for child as investment property

    NO MI or mortgage insurance

    This program allows borrowers to take course to qualify for closing cost assistance equal to 3% of the purchase price when you purchase HomePath foreclosure.

    Additional income sources can be used to help qualify for the program such as non-borrower household member, non-occupant borrower(s) such as parent, and rent from accessory unit ( e.g. basement or garage apartment).

    Check back to see if program is available.



    First Time Home Buyer #how #to #get #a #loan


    #bad credit loan lenders
    #

    FHA Secure

    First-Time Home Buyer

    A Home of Your Own

    Purchase

    Refinance

    Rent or Buy

    Purchase

    FHA Fixed Loans

    FHA ARM Loans

    Disaster Victims Program

    Refinance

    FHA Secure

    Cash Out

    Debt Consolidation

    Rate Term

    Streamline

    About the FHA

    Eligible Properties

    Ineligible Properties



    No Credit Car Loans for First Time Buyers #compare #home #loans


    #no credit car loans
    #

    No Credit Car Loans

    Don’t let zero credit history affect your present. Get guaranteed approval on no credit auto loans even if you have low income. Low rates are a reality for no credit car buyers. Students and first time buyers need not worry about co-signing as it is not compulsory.

    The one thing that every American desires is a car. Automobiles are favorites on everyone’s wish-list. But, not everyone is able to strike it off the list. For all those who want to buy a car, credit score is often considered a major requirement. Does that mean people with a zero credit score cannot get car loans?

    Understanding the needs of people with no credit history, Fastautoloanapproval.com has introduced no credit auto loan program. Applicants can now easily buy the car they want-new or used with these instant loans.

    Fastautoloanapproval.com is an online auto financing company that efficiently caters to the needs of borrowers with no credit. It believes that a credit score is nothing but your history and it should never affect your present. This means you no longer have to depend on no credit needed dealers.

    Most college students and graduates/undergraduates face the problem of zero credit ratings. The company understands the importance of a car in student-life and that’s why; offers easy car loans to students, even if they have a zero credit history.

    Most first-time car buyers avail credit for the first time and they face the same trouble of no credit history. If you are facing trouble in getting quick approval, worry no more. Fastautoloanapproval.com is here to rescue you by offering car loans without credit history.

    What Factors Are Considered For Availing Car Loans without Credit?

    Fast Auto Loan Approval has wide approval criteria. Don’t think that if you are weak in one aspect, approval will become difficult. The company believes in concentrating on your strong factors and in this way, it makes financing a car with zero credit very easy.

    • Income

    • Employment Term

    • Time At Residence

    • Regularity In Making Payments of Other Loans, If Any

    • Down Payment Amount

    • Availability of Co-Signer

    • Loan To Value (LTV)

    • Age of Vehicle

    • Term of Loan

    • Miles on Vehicle

    • Total Debt to Income Including New Payment.

    By looking at these factors, you can understand that a credit score isn’t and will never be the sole responsible aspect for your loan approval.

    When you are applying with fastautoloanapproval.com, you don’t have to worry about the safety of your data. Your personal information is protected from identity theft so don’t be apprehensive about sharing your SSN and other private data.

    The no credit car loan program is a great way of building your score. Start today by applying with us.



    How First Time Home Buyer Loans Work #unsecured #loans #for #bad #credit


    #homeowner loans
    #

    How First Time Home Buyer Loans Work

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    First time home buyer loans make home ownership more accessible. However, you don t necessarily need to use a special loan for your first home purchase. First time home buyer programs come with restrictions and strings attached that might be dealbreakers. While they are a perfect fit for some, they are the wrong choice for others.

    What is a First Time Home Buyer Loan?

    It takes time, energy, and money. To help with the money hurdle, some people use first time home buyer loans. These programs vary depending on where you live and what s available to you, but the general idea is this: programs are designed to give financial assistance to qualified borrowers. This can come in any in the following ways:

    • Allowance for a very low (or no) down payment
    • Subsidized interest costs (you get a break on all or part of the interest)
    • Grants to help with down payment, closing costs. and improvements
    • Loan forgiveness (for some portion of the total purchase price)
    • Limits on fees that lenders are allowed to charge for your transaction
    • Deferred payments

    Note that the programs available to you might offer any or none of the benefits listed above – it depends on your financial circumstances and where you live, so you ll have to research what s available in your area.

    Where to Find Loan Programs

    Finding good programs requires some legwork. A good place to start is the HUD Web site on home buying programs (click on your state, then click Assistance programs under Buying a Home ).

    Continue Reading Below

    You can also just search the web, being sure to include your state or city of residence. If you like, you can also include any characteristics about you (with or without your location); for example, if you re a veteran, teacher, or disabled, you might find additional programs.

    Who Qualifies?

    As you might imagine, first time home buyer programs are targeted towards individuals who have never owned a home. But some organizations will offer assistance to people who have owned before, as long as they have not owned within the last three years. Again, check to see what’s available to you.

    You may have to meet certain financial restrictions as well. For the most part, first time home buyer programs reserve benefits for people with low and moderate incomes. If you earn too much, you won’t qualify for the program. Likewise, having substantial assets can also reduce your chances.

    Loan Restrictions

    Most programs put a dollar limit on the property you’re buying. You probably can’t use a first time home buyer loan to buy the more expensive properties in your area. Instead, you’ll be limited to less expensive properties that are probably more affordable for people who meet the income restrictions mentioned above. Again, the idea is to benefit people who have the most need.

    You also have to live in the home as your primary residence. If you re going to rent the place out, you ll need to use a different type of loan.

    Finally, the home you buy most likely has to meet some physical requirements. It must be in good condition and free from any safety hazards (such as lead-based paint, for example). If you have a home in mind that you can t buy because it s in disrepair, you can try using a FHA 203k rehabilitation loan instead.

    First Time Home Buyer Loan Pitfalls

    For some first time home buyers. these programs are perfect. They open the door to home ownership where a family would otherwise have been unable to buy a home. Communities also benefit from first time home buyer loans – homeowners take care of their property, get involved, and contribute to the economy. Nevertheless, first time home buyer loans can be the wrong choice in some cases.

    With a specialized loan, you face some challenges:

    • Price restrictions might not allow you to buy the home you want
    • You might lose some of the benefits of the program if you sell your home too soon
    • You may have to pay recapture tax for some of the benefits you received
    • You may be limited to a short list of loan types (only 30 year fixed rate mortgages for example)
    • If your home increases in value, you may have to share those gains with the program

    Given these restrictions, you may be better off avoiding subsidized first time home buyer loans. Patrick Schwerdtfeger, a California mortgage broker, notes that you’ll probably come out ahead using a plain-vanilla mortgage if you’ve got decent credit. With a FICO credit score above 720, you probably won’t see an advantage with a subsidized first time home buyer loan. Once you get below 680, the subsidized programs will start to look better. These days, you can still get traditional mortgages or FHA loans with very little down.

    The best thing to do is to explore all of your options. Take a look at what your traditional mortgage lender is offering, and compare it to subsidized first time home buyer loans. Once you see how the numbers compare, consider the cost of flexibility.

    In addition to loan programs, be sure to learn about the First-Time Homebuyer Tax Credit to maximize your savings.

    Return to the main Get a Mortgage resource page.



    Community First Credit Union. #12 #month #loans


    #alternative student loans
    #

    Alternative Student Loans

    A Community First Exclusive!

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

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

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

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

    Requirements

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

    APPLY NOW!

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

    Are you applying for the first time?

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

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

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

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

    Questions?

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

    1-866-869-9617.

    Can CFCU Finance My Federal Loans Too?

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



    Business Vehicle Loans- America First Credit Union #current #interest #rates


    #business loan rates
    #

    BUSINESS LOANS MENU

    Business Vehicle Loans

    This program gives eligible company representatives the ability to buy vehicles in their businesses’ names. America First offers Business Vehicle Loans that are flexible and friendly:

    • Competitive rates
    • Up to 72-month terms
    • 20% cash injection/down payment required for this program
    • Vehicles weighing up to one ton

    Vehicles under this program must be titled in the name of the business and be for business purposes.

    ** Non-profit organizations, associations and restricted accounts are ineligible.

    Submit a business loan request today, visit your nearest branch or call 1-877-AFCUBIZ (1-877-232-8249) to get started.

    Conventional Commercial Vehicle Loans

    Need a commercial vehicle for your business? We have affordable financing available.

    • Competitive rates
    • Up to 72-month terms
    • 20% cash injection/down payment required for this program

    Vehicles under this program must be titled in the name of the business and be for business purposes. These include commercial trucks weighing over one ton, commercial trailers, and commercial vans.

    ** Fees may apply if Loan exceeds $50,000.

    SBA Commercial Vehicle Loans

    For some businesses, loans guaranteed by the U.S. Small Business Administration (SBA) make the most sense. Check into our SBA Commercial Vehicle Loans to see if these are right for you.

    • Low, competitive rates & fees
    • Terms of seven years and longer
    • No prepayment or annual fees
    • From thousands to millions of dollars

    Submit a business loan request today, visit your nearest branch or call 1-877-AFCUBIZ (1-877-232-8249) to get started.



    Car loans hit $1 trillion for first time #usda #loan


    #interest rates for car loans
    #

    Strong sales, rising prices, low interest rates fuel the surge

    Car buyers now owe $1 trillion on their car loans, the first time they’ve ever owed that much.

    The loan balances have been driven up by a combination of three factors — strong car sales, rising car prices and low interest rates.

    Interest rates are low. Borrowers with top credit scores can get loans for less than 3 percent.

    “There are a lot of lending choices for consumers, a lot more competition,” said Jason Laky, automotive business leader at credit agency TransUnion, which reported the record level of car loans. “That’s made financing more widely available and very attractive.”

    New car sales are up nearly 6 percent so far this year, according to sales tracker Autodata.

    Overall, the industry is in a position to sell a record number of cars to U.S. consumers this year.

    But the amount owed is up 11 percent, a sign of the increase in the size of car loans due to rising prices.

    The average amount borrowed is about $21,700, and buyers owe nearly $18,000 on average. The average new car purchase price now stands at $32,529, according to sales tracker TrueCar. The average car loan balance is rising faster than it is for mortgage loans, according to TransUnion.

    Laky said low interest rates and longer loan terms have kept the average payment little changed over the past five years. It now stands at just under $400 a month, and car buyers are able to handle their payments.

    Only about $9 billion of loans are 60 or more days past due; that is less than 1 percent of the loan volume. Such a low delinquency rate is better than the delinquency rates for mortgages and credit cards.

    Most car buyers have pretty good credit, and subprime loans make up only 15 percent of the loan volume.

    Falling unemployment and strong job growth in the past year are other factors helping to push car loan balances higher, Laky said.

    “When Americans have jobs, they’re going to go out and purchase cars with confidence,” he said.



    Members First Credit Union: Personal Loans #business #loans #for #bad #credit


    #best personal loans
    #

    Personal Loans

    Our Personal Loans will help you get ahead.

    We know that life is unexpected. Therefore, we offer options with our personal loans that will help you be ready for the unexpected, or help you achieve a goal.

    Personal Unsecured Loans – Use the money to purchase anything and pay it back in affordable monthly payments that fit your budget. You can go on vacation, consolidate your higher interest rate debt, or pay for a wedding. Featuring fixed rates and terms, you can work the payment into your monthly budget.

    Personal Line of Credit – It’s hard to predict what’s coming on the road ahead or what it could cost. With a Personal Line of Credit, you can know that you’re prepared for whatever may come.

    It combines the convenience of a fixed rate with the ability to draw against your line without having to reapply. Use it a little at a time or all at once for a big expense. You only pay interest on what you use, and you don’t have to reapply to use it again. Simple and easy, the way it should be.

    Access your Personal Line of Credit with your checks, your debit card, or at one of our branch offices!

    For more information on either of our personal loans, please call our Lending Center at (603) 622-8781. You may also apply online.

    Shared Branching

    As our member, you can access your accounts at convenient locations nationwide!LEARN MORE!



    Look for a First Time Payday Loan Free #loan #companies #for #bad #credit


    #interest free loan
    #

    Curently in the Lead:

    Look for a First Time Payday Loan Free

    By. Posted in Loans Borrowing on October 25, 2010 .

    You may be unfamiliar with payday loans but find yourself in the situation that you need to have some cash quickly.  If you car needs to be repaired or your hot water tank has sprung a leak you may find that your budget just won’t allow any more stretching.  A payday loan might just be the answer to your short-term dilemma.  You may have heard that they charge high interest rates so you have shied away from inquiring about a payday loan.  What you may not realize, however, is that there are lenders that give a first time payday loan free .

    You did read that right. There are many lenders online and at physical stores that will let first time payday loans get it for free.  While it sounds great there are going to be qualifications that you will have to meet, but if you do you could be on your way to easing a money crisis.  One parameter that most of the lenders have is that in order to receive the money for free the first time it must be paid back with your next paycheck.  There may be a limit on how much money you are allowed to borrow with the first time payday loan free offer.  It is worth looking into if you find that you need to have repairs done so that you can go on getting to work or taking a hot shower.

    If you are searching for a payday loan that offers the first time free you can go online and read the comparison charts.  There are sites that are devoted to showing you the best online payday loan companies .  This list should include the fees that are charged and what happens if you can’t repay the loan on time or in full.  By reading a comparison list you can find the company that suits your situation the best.  It is always good to get several offers from a first time payday loan free company.  When you do this you can be assured that you have the best deal out there for your problems.  You do need to remember that this is a short-term fix for a short-term problem. If you can’t pay the money back in a timely manner you should seek other ways to fix your financial needs.

    Applying for a first time payday loan free is very easy and in most cases is done online.  The physical stores that may be in your area often have web sites that allow you to fill in the application before you have to travel to their business.  This saves time when you need cash in a hurry.  They can get your loan approved in about twenty-four hours and you can have the money in your account the next business day.  You may be asked to fax proof of your contact information or a pay stub, but there are lenders that don’t require any of this information to be faxed to them.

    When you apply for a payday loan you will have to meet certain qualifications such as being at least 18 years of age, you must have steady income, an active bank account, and be a citizen of the United States.  You won’t have your credit history checked as the loan is based on your ability to repay it, not on FICO scores.  This is one reason that these loans can be accomplished in such a short time period.  In some cases your bank account must have been active for at least ninety days and you have to have been employed for at least six months.  You may also be asked to prove that you have a monthly income of at least $1000.

    You want to make sure that you have the money to repay the loan with your next pay check or you can wind up paying too much for the short term loan.  The fees for a short-term payday loan can be anywhere from $15 to $25 per one hundred dollars borrowed. If you borrow $300 you could get it for free the first time if you pay it back on time; however, if you can’t you are looking at $345 or $375 as a repayment.  There may also be other fees that could be incurred if the payment has to be rolled over.  So if you find yourself in a situation where you need short-term cash and this is your first time look for one that gives you that money for free.

    You should read these too:



    Financing Your First Investment Property #church #loans


    #investment loans
    #

    Financing Your First Investment Property

    Advertiser Disclosure October 17, 2013 by Gerri Detweiler

    When it comes to buying a real estate investment property, the first deal is the hardest. I know this from personal experience. I kept talking about buying a rental property for several years until my husband finally took the initiative, found a property, and made me buy it. From a hotel room in Texas, where I was staying on business, I nervously signed a contract and committed myself to buying a bread and butter house in Florida. Thanks to rising real estate values, the house has appreciated substantially leaving me to wish I had bought ten more!

    I know that financing your first investment property can be daunting. It scared me and I have a mortgage broker s license, for heaven s sake! But as they say, it s usually the things we don t do that we regret later in life. So if concerns about financing your first property are stopping you from getting started, here are some tips:

    Check your credit  early for mistakes and items you may need to address. Once you review your credit report. do not take any drastic action without first consulting with an expert. In particular, don t close old accounts or pay off collection accounts right before trying to get a loan. Either action may hurt your credit score rather than help it.

    If you are not eligible for a loan based on your credit or other qualifications, look for an investor partner to go in on the property with you. There are many others out there wishing they owned more real estate who lack the time and/or expertise to find and buy property. There are also hard money or private loans for good deals. The interest rates are high but can be worth it if you can refinance or sell the property in a relatively short period of time.

    Decide What You Are Buying

    All things being equal, second homes may offer better financing, but it will depend on where the property is located and what you intend to do with it. Talk with your tax advisor about how you plan to use the property to decide whether it would be better to buy a second home or an investment property. I am not a fan of stretching the truth on applications. If you are buying an investment property, call it what it is. Whatever you do, don t buy a property where someone talks you into saying you will live in it when you won t. There are illegal scams that solicit straw buyers, and these can get you into hot water.

    Know Your Score Before You Apply Get your free Credit Report Card and see what the banks will see before you apply. See your credit score & learn ways to improve it. It’s free & updated every 30 days.

    Understand the Numbers

    Investors have different goals. Some want to buy a rehab property, fix it up, and sell it quickly for a big profit. Others specialize in pre-construction, which means they put a contract on a home or condo in a development before it is built and then sell it for a profit, sometimes before they complete the purchase! Others will buy a home they can rent out, and are happy to break even or make just a little money each month, expecting appreciation to be the pay off. Still others want to buy a vacation home in an area they want to visit. They may use it from time to time and rent it out the rest of the year for a profit. Whichever approach you decide to take, make sure you understand the numbers, including the cost of financing, a down payment, advisor fees, repairs, etc. Be realistic about whether you can afford to make the mortgage payments for as long as it may take to find a buyer or a tenant.

    Now that you see the possibilities, here are the steps you will want to take to make things move smoothly:

    1. Gather Your Paperwork

    Be prepared to provide copies of: two month s worth of your bank statements, investment account, and retirement account statements (all pages; not Internet statements); the last two pay stubs if you have a regular paycheck job; driver s license and Social Security card; and bankruptcy, divorce or separation papers, if applicable. If you are self-employed, you may be asked for some or all of the following: business license or occupational license, letter from your CPA establishing two years self-employment, last two year s tax returns, business bank statements, and/or business financial statements.

    2. Assemble Your Team

    You will want an accountant who understands investment property tax strategies; a realtor or real estate attorney who can help you make sure you use the properly worded contract and include the right contingencies; a mortgage professional with experience in investment properties; an attorney who understands asset protection to help you form the right structure for holding your investment property (often a limited liability company or LLC); and an experienced insurance agent. I strongly believe all of these professionals should invest in real estate themselves since investment property transactions have special nuances.

    Advisors with investment property experience can help identify potential problems before they happen. One of the big ones: holding investment property in your own name, warns Rich Dad Advisor Garrett Sutton, an attorney and author of Own Your Own Corporation (Warner) How to Use Limited Liability Companies and Limited Partnerships (SuccessDNA). By doing so, you expose your real estate and personal assets if a lawsuit arises.

    Free Credit Check & Monitoring Sign up for your Credit.com and get a FREE credit score plus personalized Action Plan to help you improve it. FREE and updated every 30 days.

    3. Get Pre-Approved

    Before you start house-hunting, get pre-approved for a loan  through a mortgage broker or lender, and request it in writing. That piece of paper can be very helpful when you negotiate the purchase of a property since it gives the buyer greater assurance that you won t tie up the deal and not qualify.

    Now it s time to dive in! You ve heard of analysis paralysis? It s a disease I, and many other would-be investors, suffer from. Fortunately, I have a spouse who drags me out of it from time to time. While you don t want to dive in blindly, if you have done your homework and have found a good deal, at some point you have to just go for it. If you can t seem to take the plunge, ask financial advisors to help you make progress, get involved with your local real estate investment club, or find an investor who can act as a sounding board.

    The biggest deadly deal disaster of all is hiding behind analysis because you are afraid to pull the trigger on the deal, warns Peter Conti, author of The Real Estate Fast Track: How to Build a $5,000 to $50,000 per Month Real Estate Cash Flow. At a certain point as an investor you will need to step forward in the deal and commit.

    To learn more about mortgages and the home-buying and financing process, read more from our experts by visiting our Mortgage Learning Center .

    Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser’s responsibility to ensure all posts and/or questions are answered.

    Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.

    Balu

    Hi Scott

    Thanks for the reply. Yes, I am going to decide upfront what the occupancy is.



    Business Vehicle Loans- America First Credit Union #rv #loans


    #business loan rates
    #

    BUSINESS LOANS MENU

    Business Vehicle Loans

    This program gives eligible company representatives the ability to buy vehicles in their businesses’ names. America First offers Business Vehicle Loans that are flexible and friendly:

    • Competitive rates
    • Up to 72-month terms
    • 20% cash injection/down payment required for this program
    • Vehicles weighing up to one ton

    Vehicles under this program must be titled in the name of the business and be for business purposes.

    ** Non-profit organizations, associations and restricted accounts are ineligible.

    Submit a business loan request today, visit your nearest branch or call 1-877-AFCUBIZ (1-877-232-8249) to get started.

    Conventional Commercial Vehicle Loans

    Need a commercial vehicle for your business? We have affordable financing available.

    • Competitive rates
    • Up to 72-month terms
    • 20% cash injection/down payment required for this program

    Vehicles under this program must be titled in the name of the business and be for business purposes. These include commercial trucks weighing over one ton, commercial trailers, and commercial vans.

    ** Fees may apply if Loan exceeds $50,000.

    SBA Commercial Vehicle Loans

    For some businesses, loans guaranteed by the U.S. Small Business Administration (SBA) make the most sense. Check into our SBA Commercial Vehicle Loans to see if these are right for you.

    • Low, competitive rates & fees
    • Terms of seven years and longer
    • No prepayment or annual fees
    • From thousands to millions of dollars

    Submit a business loan request today, visit your nearest branch or call 1-877-AFCUBIZ (1-877-232-8249) to get started.



    How to Use TSP to Purchase Your First Home #interest #only #loan #calculator


    #tsp loan
    #

    How to Use TSP to Purchase Your First Home

    by Mark Kennan

    You’ll owe extra tax penalties if you take an early TSP distribution.

    TSP Loan

    Complete the TSP application, including the amount you want to borrow from the defined contribution retirement savings plan. Loans are limited to no more than $50,000. You may be able to apply online or by using the TSP-20 form. Do not send in documentation of your home purchase with the loan application.

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  • Military Checking Accounts – First Citizens Bank #peer #to #peer #lending


    #just military loans
    #

    Military Checking Accounts

    Account Details

    Your service to our country deserves to be rewarded. Our flexible and secure military checking accounts offer unique benefits to help you manage your financial life – from wherever your job takes you.

    Liberty Classic

    Available to active-duty military personnel, full-time Reserve members and full-time Guard members. Benefits include:

    • No First Citizens ATM fees on the first 2 non-First Citizens ATM transactions each statement cycle 1
    • Special loan packages (Unsecured loan starting at $1,000 and vehicle loan up to $25,000)
    • Access to open a First Citizens Military Savings account
    • Preferential rates on CDs
    • A Visa Credit Card with reward options
    • Discount on future check orders

    OPEN NOW Liberty Classic Disclosure

    Liberty Advantage

    Available to officers and full-time non-commissioned officers. Benefits include:

    • No First Citizens ATM fees on the first 5 non-First Citizens ATM transactions each statement cycle 1
    • $500 toward closing costs on a First Citizens mortgage 2
    • Access to open a First Citizens Military Savings account
    • Preferential rates on CDs
    • A Visa Credit Card with reward options
    • Free first order of specially designed checks, plus a discount on future orders

    OPEN NOW Liberty Advantage Disclosure

    All Military Checking Accounts include:

    • No monthly service charges with a monthly direct deposit
    • No minimum balance requirements
    • Unlimited check writing with a monthly direct deposit
    • Optional Overdraft Protection
    • Direct Deposit of Payroll
    • Free Online Banking with Bill Pay
    • Free Mobile Banking 3 and Alerts
    • Free Visa Debit Card
    • Free first order of specially designed checks
    • Free e.statements or free check safekeeping

    Account openings and credit are subject to Bank approval.

    1. Service fees may be charged by the third party ATM operator or owner or by the network owner for transactions at non-First Citizens ATMs. For transactions initiated outside the United States, the fee will be 2% of the transaction amount.

    2. Only applicable on a refinance or purchase of a primary home. Not applicable on construction loans.

    3. First Citizens does not charge fees to download or use the First Citizens Mobile Banking app, First Citizens Mobile Web, or First Citizens Text Banking. However, fees may apply for using services in Mobile Banking. Your mobile carrier may charge for data and text message usage. Check with your carrier for more information.

    Pricing

    Liberty Classic

    $0 monthly service charge if the following requirement is met:

    Liberty Advantage

    $0 monthly service charge if the following requirement is met:



    Vehicle Loans -Apply Online at First Tech Federal Credit Union #guaranteed #student #loans


    #used auto loan
    #

    Fixed-rate, fixed-term loan

    You’ll benefit from:

    Quick and easy loan approval

    • Online loan application
    • Digital document delivery

    More money in your pocket

    Fixed-rate, fixed-term loan

    Fixed-rate, fixed-term loan

    *Account Requirements

    *No minimum balance required; no monthly service charge. Available on personal accounts only. If you do not meet the monthly qualification requirements, your account will earn the non-qualified dividend rate. Qualifying transactions must post to the account prior to the last day of the month. Debit card purchases can take up to three days to post and are dependent on merchant processing times.

    ** To qualify for e-deposit, there are certain eligibility requirements that a member must meet. First Tech utilizes a proprietary rating system to qualify members for e-deposit. As an example, members who fit the below have a very good chance of qualifying for e-deposit. For your security, we have kept this rating system confidential requirements.

    • 18 + years of age
    • A credit union member for a minimum of 90 days
    • Actively using the credit union’s services with no negative history on their accounts
    • Enrolled in Online Banking

    View the latest notice of changes in the temporary NCUA insurance coverage for transaction accounts. Learn more



    Look for a First Time Payday Loan Free #fnb #loans


    #interest free loan
    #

    Curently in the Lead:

    Look for a First Time Payday Loan Free

    By. Posted in Loans Borrowing on October 25, 2010 .

    You may be unfamiliar with payday loans but find yourself in the situation that you need to have some cash quickly.  If you car needs to be repaired or your hot water tank has sprung a leak you may find that your budget just won’t allow any more stretching.  A payday loan might just be the answer to your short-term dilemma.  You may have heard that they charge high interest rates so you have shied away from inquiring about a payday loan.  What you may not realize, however, is that there are lenders that give a first time payday loan free .

    You did read that right. There are many lenders online and at physical stores that will let first time payday loans get it for free.  While it sounds great there are going to be qualifications that you will have to meet, but if you do you could be on your way to easing a money crisis.  One parameter that most of the lenders have is that in order to receive the money for free the first time it must be paid back with your next paycheck.  There may be a limit on how much money you are allowed to borrow with the first time payday loan free offer.  It is worth looking into if you find that you need to have repairs done so that you can go on getting to work or taking a hot shower.

    If you are searching for a payday loan that offers the first time free you can go online and read the comparison charts.  There are sites that are devoted to showing you the best online payday loan companies .  This list should include the fees that are charged and what happens if you can’t repay the loan on time or in full.  By reading a comparison list you can find the company that suits your situation the best.  It is always good to get several offers from a first time payday loan free company.  When you do this you can be assured that you have the best deal out there for your problems.  You do need to remember that this is a short-term fix for a short-term problem. If you can’t pay the money back in a timely manner you should seek other ways to fix your financial needs.

    Applying for a first time payday loan free is very easy and in most cases is done online.  The physical stores that may be in your area often have web sites that allow you to fill in the application before you have to travel to their business.  This saves time when you need cash in a hurry.  They can get your loan approved in about twenty-four hours and you can have the money in your account the next business day.  You may be asked to fax proof of your contact information or a pay stub, but there are lenders that don’t require any of this information to be faxed to them.

    When you apply for a payday loan you will have to meet certain qualifications such as being at least 18 years of age, you must have steady income, an active bank account, and be a citizen of the United States.  You won’t have your credit history checked as the loan is based on your ability to repay it, not on FICO scores.  This is one reason that these loans can be accomplished in such a short time period.  In some cases your bank account must have been active for at least ninety days and you have to have been employed for at least six months.  You may also be asked to prove that you have a monthly income of at least $1000.

    You want to make sure that you have the money to repay the loan with your next pay check or you can wind up paying too much for the short term loan.  The fees for a short-term payday loan can be anywhere from $15 to $25 per one hundred dollars borrowed. If you borrow $300 you could get it for free the first time if you pay it back on time; however, if you can’t you are looking at $345 or $375 as a repayment.  There may also be other fees that could be incurred if the payment has to be rolled over.  So if you find yourself in a situation where you need short-term cash and this is your first time look for one that gives you that money for free.

    You should read these too: