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Tiny House, house room interior design.

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This little house is where Jessica and her family lived for four years, while planning for and building their house. It sits on a five-acre property on Sauvie Island, an agricultural island on the Columbia River 15 minutes north of Portland. The house is an interesting experiment in reduction and reuse not only because it is only 540 square feet or because it was remodeled using nearly exclusively reclaimed materials, but because the building itself is now being recycled for the fourth time. It was first built in the early 1940s as part of Vanport Village; a quickly erected development built to house shipyard workers. When Vanport Village flooded in 1948 this particular little house was floated down the river to Sauvie Island, where it became the goose-check station for Sauvie Island hunters. Years later it was remodeled to become a rental house.

When Jessica and Yianni bought the property they decided to remodel it without adding to the existing footprint. Their first step was to redesign the interior for maximum space efficiency. A ‘great room’ houses the kitchen, dining room and living room with large, comfortable, built in sofas that double as twin beds for guests. The ceiling was opened up in the main space, but the bathroom and bedroom have lower ceilings to accommodate the parent’s sleeping loft above, accessible by a walnut ladder.

2012 Annual NW Design Award Finalist: Whole House Less than $400K


Compare Home Insurance Companies and Policies – South Africa, house insurance south africa. #House #insurance #south #africa


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It is important to protect valuable assets such as your home. Properly protecting your building and possessions does not have to be expensive. Home insurance can give you peace of mind that should the unexpected happen your property is properly covered against any unforeseen circumstances like theft or damage from fire or flood. Having the right level of insurance will help you get back on track. Listed below is a range of home insurance providers in South Africa. To find the right policy for you it is necessary to compare different providers and the different benefits and added features of each policy. Make sure you know what you want from your home insurance to ensure you have the right cover. Please read the terms and conditions carefully.

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Protect your most valuable asset with the right home insurance. You will be able to find policies that suit a variety of budgets.

Why get Home Insurance?

Your home is probably the most expensive thing that you own. It is the place you sleep, eat, perhaps raise children and it generally holds all your belongings. As it is so important it is not worth taking any chances with.

Insurance is a way of protecting such investments. It makes sense to insure the structure of your property and the contents inside it against a number of risks. The right home insurance means that should anything happen to your home, you are financially protected.

Without home insurance you could face financial ruin trying to pay to repairs and replacements. In a worst case scenario if your house burnt down and you didn’t have the insurance or the money to pay for repairs what would you do? Home insurance will provide financial security and peace of mind that should the worst happen you are covered.

What does Home Insurance cover?

You will be able to find insurance that covers any physical damage to the structure of your home caused by events such as fire, subsidence, weather, natural disasters, flooding, explosions and burglary. You can get cover for not only your home but also any outbuildings, gardens, swimming-pools, tennis courts and fences.

You can also get cover for all of the things in your home such as furniture, clothing, electrical equipment and bikes. If you have particular valuables that you want extra protection for such as jewellery, art or anything that is of a particularly high value you should make sure that they are covered by any policy that you are considering.

How much does a Home Insurance policy cost?

The exact cost of a home insurance policy will depend on a variety of aspects. Firstly it will depend on the type of cover you purchases and which insurer you choose. Also where you live and the size or type of home you live in will affect how much you will pay.

The level of cover you take out will affect how much your policy will cost. Additional features on the insurance will increase premiums. To keep premiums down make sure you are only covered for the things you want and for nothing that you don’t need. However, remember that the cheapest insurance is not necessarily the best because it is likely to offer the least amount of cover. The aim is to find a comprehensive policy that covers your entire needs at the most competitive price.

Keep policies down by improving your home security. Install locks on your windows and doors, alarm systems and outside lighting. Also fitting smoke alarms and investing in insulation which will help prevent pipes freezing will also help.

Finding the right policy

Home insurance can come in number of different forms and the type of policy which is purchased will depend on your specific needs. You should choose a reliable insurance company that you can be sure will offer you a tailor made policy to suit you and provide help and support should you need to make a claim.

You can get a home insurance quote from many companies easily online or by phone. Most insurers offer an online application form that is straightforward and can be completed in a matter of minutes. To ensure you choose the best insurance policy at the most affordable price, be sure to compare policies from many different providers.

Use the table above to compare different home insurance policies.


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*The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.

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Can t Pay Your Student Loans? The Government May Come After Your House: NPR Ed: NPR, house loans.#House #loans


Can’t Pay Your Student Loans? The Government May Come After Your House

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On Adriene McNally’s 49th birthday in January, she heard a knock on the door of her modest row-home in Northeast Philadelphia.

She was being served.

“They actually paid someone to come out and serve me papers on a Saturday afternoon,” she says.

The papers were from a government lawsuit that represents something more than just an unwelcome birthday gift — it’s an example of a program the federal government has brought to 19 cities around the country including Brooklyn, Detroit, Miami and Philadelphia: suing to recover unpaid student loans, like the ones McNally owes.

Every day, 3,000 people default on their federal student loans — and those lack of payments amount to an unpaid bill of $137 billion for the federal government. For decades, the government has tried to get borrowers to pay up by hiring debt collection agencies to call and send letters. But now the government is trying this new lawsuit strategy.

McNally filed for bankruptcy in 2006 and cleared out all her creditors — except for student loans, which are nearly impossible to get rid of in bankruptcy. As she and many others have found out, it’s not easy escaping federal student loan debt.

“Your whole body heats up with frustration,” McNally says. “I’m so frustrated over all this. It’s been so many years that they’ve been sending me mail and threatening me on the phone.”

In the last two years, more than 3,300 student loan borrowers have been sued after defaulting, according to the Department of Justice. In nearly every one of those suits, the borrower loses and the government wins.

What does the government win? A lien on the borrower’s assets — meaning that the debt is now attached to his or her most valuable belongings, like a home.

Jennifer Schultz, an attorney with Community Legal Services of Philadelphia, says that a lien traps a person, like house-handcuffs.

“I describe a lien as a kind of marker on the house,” Schultz says. “Any time a person tries to do a transaction involving their house — a new mortgage, a refinance, or if they try to sell it — they’re going to be expected to clear up any debt that’s attached to that house.”

The government has long been able to garnish wages, take income tax returns and divert Social Security and disability benefits. But targeting property is a way of applying even more pressure to get former students to pay up.

“It’s to try to awaken the avoider from their slumber,” says Drew Salaman, a debt-collection attorney in Philadelphia.

Salaman doesn’t work with student loans, but he’s familiar with debt avoidance. He says some of the borrowers are playing “catch me if you can.” These lawsuits ensure that people take responsibility for their debts.

“After all,” he says, “if we don’t have systems in place to recover debts, how can credit be extended?”

The end result of these suits — the liens — can be seriously threatening to borrowers. For many it’s a matter of housing preservation, says Joanna Darcus, an attorney on the student loan team at the National Consumer Law Center.

“For folks already living on the margins financially, the fear of losing that house can be palatable,” Darcus says.

Once a lien is in place, the government can force the sale of a former student’s home. That’s “exceedingly rare,” officials say, but it does sometimes happen.

The federal lawsuit program is expected to keep expanding, and with more than 8 million people currently behind on their federal student loans, it doesn’t look like the private firms will run out of work any time soon.



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Bridge Loans and Home Purchase Bridge Loans, The Truth About, house loan.#House #loan


Bridge Loans

A bridge loan is basically a short term loan taken out by a borrower against their current property to finance the purchase of a new property.

Also known as a swing loan, gap financing, or interim financing, a bridge loan is typically good for a six month period, but can extend up to 12 months. Most bridge loans carry an interest rate roughly 2% above the average fixed-rate product and come with equally high closing costs.

Bridge loans are generally taken out when a borrower is looking to upgrade to a bigger home, and haven’t yet sold their current home. A bridge loan essentially “bridges the gap” between the time the old property is sold and the new property is purchased.

Home Buying Contingencies

Many purchase contracts have contingencies that allow the buyer to agree to the terms only if certain actions occur. For example, a buyer may not have to go through with the purchase of the new home they are in contract for unless they re able to sell their old home first. This gives the buyer protection in the event no one buys their home, or if nobody is willing to buy the property at the terms they desire.

When a seller won’t accept the buyer’s contingency, a bridge loan might be the next best way to finance the new home.

A bridge loan can be structured so it completely pays off the existing liens on the current property, or as a second loan on top of the existing liens. In the first case, the bridge loan pays off all existing liens, and uses the excess as down payment for the new home. In the latter example, the bridge loan is opened as a second or third mortgage, and is used solely as the down payment for the new property.

If you choose the first option, you likely won’t make monthly payments on your bridge loan, but instead you’ll make mortgage payments on your new home. And once your old house sells, you’ll use the proceeds to pay off the bridge loan, including the associated interest and remaining balance.

If you choose the second option, you’ll still need to make payments on your old mortgage(s) and the new mortgage attached to your new property, which can stretch even the most well-off homeowner’s budget. So make sure you’re able to take on such payments for up to a year if necessary.

Most consumers don’t use bridge loans because they aren’t necessary during housing booms and hot markets. For example, if your home goes on the market and sells within a month, it’s typically not necessary to take out a bridge loan. But now that things have cooled off, they may become a bit more common as sellers experience more difficulty in unloading their homes.

Bridge Loans Can Be Risky

Many critics find bridge loans to be risky, as the borrower essentially takes on a new loan with a higher interest rate and no guarantee the old property will sell within the allotted life of the bridge loan. However, borrowers usually doesn’t need to pay interest in remaining months if their home is sold before the term of the bridge loan is complete. But watch out for prepayment penalties that hit you if you pay the loan off too early!

Make sure you do plenty of research before selling your home to see what asking prices are and how long homes are generally listed before they re ultimately sold. The market may be strong enough so that you don’t need a bridge loan. But if you do need one, be aware that a home could go unsold for six months, or longer, so negotiate terms that allow for an extension to the bridge loan if necessary.

If you think a bridge loan is right for you, try to work out a deal with a single lender that provides both your bridge loan and long-term mortgage. Usually they’ll give you a better deal, and a safety net as opposed to going with two different banks or lenders.

Also keep in mind that there are other alternatives to a bridge loan such as financing down payments with your 401k, stocks, and other assets. Remember to compare each scenario before signing anything!



Department of Economics, University of Pittsburgh, house loans.#House #loans


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Faculty and graduate students from Pitt and other institutions worldwide conduct research at our Pittsburgh Experimental Economics Laboratory (PEEL).

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The Economics Department is part of Pitt’s Dietrich School of Arts and Sciences. Our faculty’s research interests span a wide range of economics fields. We are committed to excellent research, teaching, and mentoring. Learn More

Pittsburgh Experimental Economics Laboratory

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Internationally recognized for experimental research. PEEL uses controlled methods to understand economic decision-making by individuals in different economic environments.

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The Department of Economics hosts six main seminar series: Applied Micro, Econometrics, Experimental, International, Macro, and Theory.



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If you are searching for a personal loan, with no collateral required, then an unsecured loan through our lender network may be just what you need. Unsecured personal loans, also known as signature loans, are heavily approved based on an individual’s credit history and ability to pay back the loan. Different than a secured personal loan, that requires a borrower to put up collateral for approval, unsecured loans rely solely on the borrower’s promise to pay back the loan. Because no collateral is required, the application process is quick, and money is normally available for use in a short period of time.

Even though credit is a major factor when it comes to obtaining an unsecured loan approval, there are some financing solutions for individuals with less than perfect credit. Unsecured loans come in all sizes, ranging from a few thousand dollars to tens of thousands of dollars. Standard terms on an unsecured installment loan vary, but are generally offered between twelve and sixty months.

If you are interested in obtaining a personal loan with no collateral required, Life House Financial can help match you with providers interested in competing for your business today. Our networks of banks, credit unions and other loan providers welcome individuals with all credit situations. More importantly, our loan and lender matching service is absolutely free. So don’t hesitate. Come see why others have trusted us over the years with their needs by getting started today.

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Whether you are interested in debt consolidation, a home improvement loan, or just need money to pay off regular bills, obtaining an unsecured loan can be tricky. Unsecured personal loans are heavily approved based on credit and your ability to pay back the loan. This means your current credit situation and DTI (debt to income ratio) will play a major role in the amount of money you receive, and at what interest rate.

In general, the better your credit score, the better your interest rate.

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  • Your job will be to review your option(s) and select the solution you feel most comfortable pursuing. As always, there is never any obligations to proceed if you are not satisfied with the outcome.

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Can t Pay Your Student Loans? The Government May Come After Your House: NPR Ed: NPR, house loans.#House #loans


Can’t Pay Your Student Loans? The Government May Come After Your House

House loans

On Adriene McNally’s 49th birthday in January, she heard a knock on the door of her modest row-home in Northeast Philadelphia.

She was being served.

“They actually paid someone to come out and serve me papers on a Saturday afternoon,” she says.

The papers were from a government lawsuit that represents something more than just an unwelcome birthday gift — it’s an example of a program the federal government has brought to 19 cities around the country including Brooklyn, Detroit, Miami and Philadelphia: suing to recover unpaid student loans, like the ones McNally owes.

Every day, 3,000 people default on their federal student loans — and those lack of payments amount to an unpaid bill of $137 billion for the federal government. For decades, the government has tried to get borrowers to pay up by hiring debt collection agencies to call and send letters. But now the government is trying this new lawsuit strategy.

McNally filed for bankruptcy in 2006 and cleared out all her creditors — except for student loans, which are nearly impossible to get rid of in bankruptcy. As she and many others have found out, it’s not easy escaping federal student loan debt.

“Your whole body heats up with frustration,” McNally says. “I’m so frustrated over all this. It’s been so many years that they’ve been sending me mail and threatening me on the phone.”

In the last two years, more than 3,300 student loan borrowers have been sued after defaulting, according to the Department of Justice. In nearly every one of those suits, the borrower loses and the government wins.

What does the government win? A lien on the borrower’s assets — meaning that the debt is now attached to his or her most valuable belongings, like a home.

Jennifer Schultz, an attorney with Community Legal Services of Philadelphia, says that a lien traps a person, like house-handcuffs.

“I describe a lien as a kind of marker on the house,” Schultz says. “Any time a person tries to do a transaction involving their house — a new mortgage, a refinance, or if they try to sell it — they’re going to be expected to clear up any debt that’s attached to that house.”

The government has long been able to garnish wages, take income tax returns and divert Social Security and disability benefits. But targeting property is a way of applying even more pressure to get former students to pay up.

“It’s to try to awaken the avoider from their slumber,” says Drew Salaman, a debt-collection attorney in Philadelphia.

Salaman doesn’t work with student loans, but he’s familiar with debt avoidance. He says some of the borrowers are playing “catch me if you can.” These lawsuits ensure that people take responsibility for their debts.

“After all,” he says, “if we don’t have systems in place to recover debts, how can credit be extended?”

The end result of these suits — the liens — can be seriously threatening to borrowers. For many it’s a matter of housing preservation, says Joanna Darcus, an attorney on the student loan team at the National Consumer Law Center.

“For folks already living on the margins financially, the fear of losing that house can be palatable,” Darcus says.

Once a lien is in place, the government can force the sale of a former student’s home. That’s “exceedingly rare,” officials say, but it does sometimes happen.

The federal lawsuit program is expected to keep expanding, and with more than 8 million people currently behind on their federal student loans, it doesn’t look like the private firms will run out of work any time soon.



Can t Pay Your Student Loans? The Government May Come After Your House: NPR Ed: NPR, house loans.#House #loans


Can’t Pay Your Student Loans? The Government May Come After Your House

House loans

On Adriene McNally’s 49th birthday in January, she heard a knock on the door of her modest row-home in Northeast Philadelphia.

She was being served.

“They actually paid someone to come out and serve me papers on a Saturday afternoon,” she says.

The papers were from a government lawsuit that represents something more than just an unwelcome birthday gift — it’s an example of a program the federal government has brought to 19 cities around the country including Brooklyn, Detroit, Miami and Philadelphia: suing to recover unpaid student loans, like the ones McNally owes.

Every day, 3,000 people default on their federal student loans — and those lack of payments amount to an unpaid bill of $137 billion for the federal government. For decades, the government has tried to get borrowers to pay up by hiring debt collection agencies to call and send letters. But now the government is trying this new lawsuit strategy.

McNally filed for bankruptcy in 2006 and cleared out all her creditors — except for student loans, which are nearly impossible to get rid of in bankruptcy. As she and many others have found out, it’s not easy escaping federal student loan debt.

“Your whole body heats up with frustration,” McNally says. “I’m so frustrated over all this. It’s been so many years that they’ve been sending me mail and threatening me on the phone.”

In the last two years, more than 3,300 student loan borrowers have been sued after defaulting, according to the Department of Justice. In nearly every one of those suits, the borrower loses and the government wins.

What does the government win? A lien on the borrower’s assets — meaning that the debt is now attached to his or her most valuable belongings, like a home.

Jennifer Schultz, an attorney with Community Legal Services of Philadelphia, says that a lien traps a person, like house-handcuffs.

“I describe a lien as a kind of marker on the house,” Schultz says. “Any time a person tries to do a transaction involving their house — a new mortgage, a refinance, or if they try to sell it — they’re going to be expected to clear up any debt that’s attached to that house.”

The government has long been able to garnish wages, take income tax returns and divert Social Security and disability benefits. But targeting property is a way of applying even more pressure to get former students to pay up.

“It’s to try to awaken the avoider from their slumber,” says Drew Salaman, a debt-collection attorney in Philadelphia.

Salaman doesn’t work with student loans, but he’s familiar with debt avoidance. He says some of the borrowers are playing “catch me if you can.” These lawsuits ensure that people take responsibility for their debts.

“After all,” he says, “if we don’t have systems in place to recover debts, how can credit be extended?”

The end result of these suits — the liens — can be seriously threatening to borrowers. For many it’s a matter of housing preservation, says Joanna Darcus, an attorney on the student loan team at the National Consumer Law Center.

“For folks already living on the margins financially, the fear of losing that house can be palatable,” Darcus says.

Once a lien is in place, the government can force the sale of a former student’s home. That’s “exceedingly rare,” officials say, but it does sometimes happen.

The federal lawsuit program is expected to keep expanding, and with more than 8 million people currently behind on their federal student loans, it doesn’t look like the private firms will run out of work any time soon.



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How to Buy a House When You Have Student Loan Debt, Student Loan Hero, house loan.#House #loan


Buying a House With Student Loan Debt: Here s How to Do It

House loan

Miranda Marquit

House loan

For many consumers, buying a house is a major financial and life milestone. However, student loan debt is preventing some millennials from making home purchases.

According to a Student Loan Hero survey, 41 percent of college-educated Americans with student loans have postponed buying a home because of their debt.

Having student loans won’t keep you from buying a house, although you should be comfortable with the idea of taking on a large amount of debt while still dealing with your student loans. Carefully consider your options, and decide what makes sense for your own financial situation.

Here’s what you need to do when buying a house with student loan debt:

1. Improve your credit score and check your credit report

The most important factor lenders consider when deciding whether or not to lend you money is your credit score. You can maintain a good credit score even if you have student loan debt.

In fact, your student loan debt probably won’t drag down your credit score unless you’ve been missing payments. Here’s how to boost your score ahead of applying for a mortgage:

This is the most important factor in your credit score. Pay on time and in full, and you can build a solid financial reputation.

  • Manage your credit utilization.

    The ratio of your credit balances to your total available credit lines is your credit utilization. For example, if you have credit lines totaling $3,000 and your credit balances total $1,000, your credit utilization is 30 percent.

    Ideally, you want to manage your credit utilization so you aren’t using more than 30 percent of your available credit.

  • Don’t close old accounts.

    You might think that closing a credit card account is the way to go when trying to fix your credit score, but this often isn’t the case.

    An old account, especially if it is in good standing, can help your credit. The longer your credit history and the older the average age of your accounts, the better your credit score.

  • Use different types of credit.

    If you have a “thin file,” there isn’t much for lenders to make judgments about. A mix of revolving credit (like credit cards) and installment loans (like car payments or student loans) show that you can handle different types of debt.

  • You may have to pay for your credit score, but some credit card companies have started offering free access to a version of your credit score so you can get an idea of where you stand.

    It’s also important to check your credit report before buying a home. (Request a free annual credit report here.) Make sure your report is accurate and up-to-date.

    If you have suspicious transactions listed on your credit report, you can ask the credit bureau to remove the information. Learn how to dispute a credit report error here.

    2. Decrease your debt-to-income (DTI) ratio

    As with student loan refinancing, a mortgage lender will calculate your debt-to-income ratio to determine your ability to make monthly payments on the new mortgage.

    When buying a house with student loan debt, you need to be aware of the impact your loans have. Many lenders follow what is called the 28/36 qualifying ratio to determine if you’re eligible for the best rates.

    This means that you should spend no more than 28 percent of your gross monthly income on total housing expenses, and no more than 36 percent on total debt service (including the new mortgage payment).

    You can still buy a home if you don’t meet the 28/36 rule, as many lenders will still loan you money if your DTI is high. But you have to decide if you’re really comfortable taking on a loan when you have a high DTI.

    Reduce your DTI by paying down some of your debt or by increasing your income. Take a second job, get a side gig, or ask for a raise. Depending on your student loan situation, you might be able to refinance or consolidate your student loans to obtain a lower monthly payment.

    Alternatively, you could enroll federal student loans into an income-based repayment program which can lower your monthly student loan payments. This improves your cash flow and can make your home a little more affordable on a monthly basis.

    While refinancing or finding a new repayment plan may improve your DTI, it really depends on the type of mortgage you re applying for.

    Some mortgage underwriters base decisions on the percentage of your total student loan balance rather than using your monthly payment amounts under an income-driven repayment plan. If that s the case, you might need to shop around for a lender if you want to ensure that you are approved for a loan.

    3. Pre-approval and your homebuying power

    A pre-approval from a lender can help you see what the costs and down payment requirements are. To determine what you qualify for, a lender considers your two-year employment history, credit history, income, and assets.

    Here are some important things to keep in mind as you apply for pre-approval when buying a house with student loan debt:

    • A lender must look at most aspects of your financial history, at least in the short term. All funds need to be sourced and explained. Any large deposits outside of normal payroll will be closely scrutinized, and any major loans will be considered as well.
    • Gifts from family are not unusual for first-time homebuyers. These, too need to be sourced and accompanied by a lender’s gift letter.

    Lenders aren’t supposed to accept loans as down payments, so if a relative is lending you the money for a down payment it’s not going to work. The down payment needs to be a gift, and it should be from someone with whom you have a close relationship.

  • Check with the lender to ensure that you’re giving all documents needed for a comprehensive decision on your pre-approval.

    Some of the documents you need to submit are two years of W-2s, two years of federal tax returns, 30 days’ worth of pay stubs, and two months of asset statements (including bank and retirement account statements).

  • If you are self-employed, you might need additional paperwork to verify your income. You could be required to go through an income audit, where an accountant reviews your records and verifies your income.
  • More documents may be needed once the loan is underwritten. A lender usually requires tax returns and bank statements.
  • Once you have your pre-approval, you can use it to help gauge which homes you can afford. Additionally, sellers are likely to take you more seriously once you have a pre-approval in place because they know the bank has already committed to providing you with financing.

    4. Consider down payment assistance programs

    There are a number of down payment assistance programs that are acceptable to lenders. Many states and cities offer down payment assistance programs, and there are local programs that allow you to use sweat equity if you want to build a new home.

    It’s also possible to take advantage of federal loan programs, even if you have student loans. You may qualify for an FHA loan, which would mean a down payment of as little as 3.5%.

    If you choose to buy in a more rural area, you might qualify for a USDA loan, which requires no down payment. Don’t forget about VA loans if you have served in the military.

    Research your options and speak with a knowledgeable mortgage broker to find out what programs you qualify for at a federal, state, and local level.

    Is buying a house with student loan debt right for you?

    Before you jump in, make sure you’re actually ready to buy a home. Figure out how comfortable you are with carrying two large debts over long periods of time. Do you feel confident about your income? Is it large enough to comfortably afford a mortgage payment on top of your student loan payments?

    Review your priorities. Will buying a home on top of having student loans require you to cut back on your retirement contributions? Will you have to dial back in other areas of your life? Consider what matters most to you, and plan accordingly.

    If you have a plan for buying a home, there’s nothing wrong with taking the leap even though you have student loan debt.



    INTEREST ON HOUSE LOAN SELF OCCUPIED HOUSE 150000 or 30000, SIMPLE TAX INDIA, house loan.#House #loan


    INTEREST ON HOUSE LOAN SELF OCCUPIED HOUSE 150000 or 30000?

    Interest on borrowed capital for self occupied property

    In the above context the following further aspects have to be kept in view:

    Rs. 1,50,000 maximum deduction will not be available in the following situations:

    1. if capital is borrowed before April 1, 1999 for purchase,construction, reconstruction, repairs or renewals of a house property;
    2. if capital is borrowed on or after April 1, 1999 for reconstruction, repairs or renewals of a house property; and
    3. if capital is borrowed on or after April 1, 1999 but construction is not completed within 3 years from the end of the year in which capital was borrowed. In the above situations only deduction upto Rs. 30,000 can be claimed.

    24(b) where the property has been acquired, constructed, repaired, renewed or reconstructed with borrowed capital, the amount of any interest payable on such capital: Provided that in respect of property referred to in sub-section (2) of section 23, the amount of deduction shall not exceed thirty thousand rupees : Provided further that where the property referred to in the first proviso is acquired or constructed with capital borrowed on or after the 1st day of April, 1999 and such acquisition or construction is completed 24[within three years from the end of the financial year in which capital was borrowed], the amount of deduction under this clause shall not exceed one lakh fifty thousand rupees. Explanation.Where the property has been acquired or constructed with borrowed capital, the interest, if any, payable on such capital borrowed for the period prior to the previous year in which the property has been acquired or constructed, as reduced by any part thereof allowed as deduction under any other provision of this Act, shall be deducted under this clause in equal instalments for the said previous year and for each of the four immediately succeeding previous years:] Provided also that no deduction shall be made under the second proviso unless the assessee furnishes a certificate, from the person to whom any interest is payable on the capital borrowed, specifying the amount of interest payable by the assessee for the purpose of such acquisition or construction of the property, or, conversion of the whole or any part of the capital borrowed which remains to be repaid as a new loan. Explanation.For the purposes of this proviso, the expression new loan means the whole or any part of a loan taken by the assessee subsequent to the capital borrowed, for the purpose of repayment of such capital.

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    Can t Pay Your Student Loans? The Government May Come After Your House: NPR Ed: NPR, house loans.#House #loans


    Can’t Pay Your Student Loans? The Government May Come After Your House

    House loans

    On Adriene McNally’s 49th birthday in January, she heard a knock on the door of her modest row-home in Northeast Philadelphia.

    She was being served.

    “They actually paid someone to come out and serve me papers on a Saturday afternoon,” she says.

    The papers were from a government lawsuit that represents something more than just an unwelcome birthday gift — it’s an example of a program the federal government has brought to 19 cities around the country including Brooklyn, Detroit, Miami and Philadelphia: suing to recover unpaid student loans, like the ones McNally owes.

    Every day, 3,000 people default on their federal student loans — and those lack of payments amount to an unpaid bill of $137 billion for the federal government. For decades, the government has tried to get borrowers to pay up by hiring debt collection agencies to call and send letters. But now the government is trying this new lawsuit strategy.

    McNally filed for bankruptcy in 2006 and cleared out all her creditors — except for student loans, which are nearly impossible to get rid of in bankruptcy. As she and many others have found out, it’s not easy escaping federal student loan debt.

    “Your whole body heats up with frustration,” McNally says. “I’m so frustrated over all this. It’s been so many years that they’ve been sending me mail and threatening me on the phone.”

    In the last two years, more than 3,300 student loan borrowers have been sued after defaulting, according to the Department of Justice. In nearly every one of those suits, the borrower loses and the government wins.

    What does the government win? A lien on the borrower’s assets — meaning that the debt is now attached to his or her most valuable belongings, like a home.

    Jennifer Schultz, an attorney with Community Legal Services of Philadelphia, says that a lien traps a person, like house-handcuffs.

    “I describe a lien as a kind of marker on the house,” Schultz says. “Any time a person tries to do a transaction involving their house — a new mortgage, a refinance, or if they try to sell it — they’re going to be expected to clear up any debt that’s attached to that house.”

    The government has long been able to garnish wages, take income tax returns and divert Social Security and disability benefits. But targeting property is a way of applying even more pressure to get former students to pay up.

    “It’s to try to awaken the avoider from their slumber,” says Drew Salaman, a debt-collection attorney in Philadelphia.

    Salaman doesn’t work with student loans, but he’s familiar with debt avoidance. He says some of the borrowers are playing “catch me if you can.” These lawsuits ensure that people take responsibility for their debts.

    “After all,” he says, “if we don’t have systems in place to recover debts, how can credit be extended?”

    The end result of these suits — the liens — can be seriously threatening to borrowers. For many it’s a matter of housing preservation, says Joanna Darcus, an attorney on the student loan team at the National Consumer Law Center.

    “For folks already living on the margins financially, the fear of losing that house can be palatable,” Darcus says.

    Once a lien is in place, the government can force the sale of a former student’s home. That’s “exceedingly rare,” officials say, but it does sometimes happen.

    The federal lawsuit program is expected to keep expanding, and with more than 8 million people currently behind on their federal student loans, it doesn’t look like the private firms will run out of work any time soon.



    Finance – Department of Finance, Insurance and Business Law, house loans.#House #loans


    house loans

    House loans

    Department of Finance, Insurance and Business Law

    Department Overview

    Welcome to Virginia Tech’s Department of Finance, Insurance and Business Law. Whether you are a student, parent, alumnus, employer, faculty member or potential research partner, we encourage you to spend time on our website and learn more about our department and what we have to offer.

    We are the largest department in Virginia Tech’s Pamplin College of Business, with over 20 full-time faculty members serving over 900 undergraduate students. In a typical year, our department awards more than 300 Bachelor’s degrees (including double majors). We also have an active Ph.D. program and support the university’s various MBA programs in Northern Virginia, Richmond and Roanoke.

    Our faculty strive for excellence in teaching, research, and service to our students, community and alumni.Virginia Tech’s finance faculty are experts in their fields. They are actively involved in research in a number of areas, including corporate finance, investments and business law. As part of their research mission, they have published in the top journals within their fields. They are also frequently consulted for their expertise by businesses and other entities. In addition, a number of our faculty members have significant private sector experience and contacts that they frequently leverage in their teaching and advising roles, as well as in helping students navigate the placement process for internships and full-time jobs.

    Our undergraduate program is highly rigorous and produces graduates who can succeed in a wide variety of finance careers. Our students are highly recruited by a large number of employers, with over 100 companies coming to campus in a typical year. Despite our department’s large size, the vast majority of our graduating seniors (over 80% in 2014) either receive job offers or continue on to graduate school. The median starting salary (excluding signing bonuses) for our Bachelor’s degree recipients was $56,700 in 2014, with the middle 50 percent ranging from $47,000 to $60,000. Within our undergraduate curriculum, we offer a number of tracks for students who want specialize in various areas of finance. We also offer preparatory coursework for students who want to take the Certified Financial Analyst (CFA) and Certified Financial Planner (CFP) professional exams. For students interested the markets and asset management, we offer hands-on learning through BASIS and SEED, two student-run investment funds, which each manage approximately $5 million of the university’s endowment funds.

    At the graduate level, we provide a variety of finance courses as part of the university’s three MBA programs, which are located in Northern Virginia, Richmond and Roanoke. These courses are structured for students with work experience who are pursuing their MBA degrees on a part-time basis at night and on weekends while continuing to hold full-time jobs.

    In Blacksburg, we also have an active, rigorous Ph.D. program that produces graduates who can conduct the innovative research required in both academia and the financial services industry. Our Ph.D. students work with our faculty in a variety of research areas, particularly the areas of Investments and Corporate Finance. We have placed our Ph.D. students at a numerous universities around the US and overseas, as well as into the private sector.

    If you have any questions or need any additional information, feel free to contact us at [email protected] or (540) 231-5904.

    • Pamplin’s Department of Finance is ranked #5 in the nation by Collegechoice.net’s Best Bachelor’s In Finance Degree Programs, 2016.
    • The Department of Finance congratulates John Pinkerton’s award of emeritus status!
    • Tracy Castle-Newman has been listed as one of 100 most powerful people in Finance!
    • Finance alumni won all awards announced by the Pamplin Society at the Pamplin Advisory Council dinner! They are:
      • Rising Alumni Award: Bobby Bal, 2010 FIN
      • Rising Alumni Award: Christina Todd, 2009 FIN, Member of the Finance Advisory Board
      • Rising Alumni Award: Ashton Wilson, 2007 FIN
      • Mentoring Award: Nick Cullen, 1991 FIN, Member of the Finance Advisory Board
      • Ut Prosim Service Award: TJ Loeffler, 2011 FIN.
    • We would like to congratulate Jin Xu for her promotion!
    • The Department of Finance congratulates Dr. Hiller on the appointment of Director of Pamplin Integrated Security!
    • Zach Tekamp is one of 12 students chosen to receive a $5,000 scholarship as part of the 2017 TD Ameritrade NextGen RIA Scholarships Grants program
    • Bank of Fincastle Reports, George Morgan in the Media

    Faculty Journal Acceptances:

    Dr. Sattar Mansi – Journal of Corporate Finance – 2017

    • “Do Long-Term Investors Improve Corporate Decision Making?”, with Ambrus and Jarrad Harford

    Dr. Jin Xu – Journal of Financial and Quantitative Analysis – 2017

    • “Taxes, Capital Structure Choices, and Equity Value”, with Mara Faccio

    Dr. Brad Paye – 2017

    • “Micro(structure) before macro? The predictive power of aggregate illiquidity for stock returns and economic activity,” with Yong Chen, and Greg Eaton

    Dr. Vijay Singal- Journal of Fimacial Economics – 2016

    • “Comovement Revisited,” with Honghui Chen, and Robert Whitelaw.

    Dr. Gregory Kadlec – Journal of Financial Economics – 2015

    • “Institutional investors and asset pricing anomalies,” with Ozzie Ince, and Roger Edelen.

    Dr. Jin Xu- Journal of Financial Economics – 2015

    • “Golden hellos: Signing bonuses for new top executives,” with Jun Yang.

    Dr. Pengfei Ye – Journal of Financial Economics – 2015

    • “Relative peer quality and firm performance” with Bill B. Francis, Iftekar Hasan and Sureshbabu Mani.

    Course Request for Spring 2018 begins October 17-24, 2017



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    Long Island Lighthouses – The Scoop on LI – s Most Beloved Landmarks #long #island #lighthouse, #long #island #lighthouses, #lighthouses, #lighthouse, #long #island #sound #lighthouse, #montauk #lighthouse, #orient #point #light #house, #iconic #light #house, #hamptons #light #house, #light #house, #north #shore #lighthouse, #south #shore #lighthouse


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    Long Island Lighthouses

    When picturing Long Island, it is hard having anything other than a lighthouse being the first image that comes to mind. These iconic buildings are the quintessential landmark that locals and tourists alike associate with our Island. To many, this beacon symbolizes more than just the beaches and calm waters – but reminds us of the comforts of home, and where we came from. For others, it evokes fond memories of family vacations out east, or trips to some of the local Long Island beaches on a warm summer’s day. No matter what Long Island Lighthouses evoke in your mind. Read More When picturing Long Island, it is hard having anything other than a lighthouse being the first image that comes to mind. These iconic buildings are the quintessential landmark that locals and tourists alike associate with our Island. To many, this beacon symbolizes more than just the beaches and calm waters – but reminds us of the comforts of home, and where we came from. For others, it evokes fond memories of family vacations out east, or trips to some of the local Long Island beaches on a warm summer’s day. No matter what Long Island Lighthouses evoke in your mind, it is undeniable that they are an important part of the history of Long Island. Make sure to visit a Long Island Lighthouse if you’re visiting, or even if you’re a local just looking to experience Long Island heritage, Lighthouses are a unique piece of our history you won’t want to miss. Show Less

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    Refinancing house loan #refinancing #house #loan


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    Refinance

    What is ‘Refinance’

    A refinance occurs when a business or person revises a payment schedule for repaying debt. Mechanically, the old loan is paid off and replaced with a new loan offering different terms. When a company refinances, it typically extends the maturity date. Companies or individuals refinancing loans may have to pay a penalty or fee.

    BREAKING DOWN ‘Refinance’

    The most common forms of consumer debt are mortgages, car loans and student loans. The borrower agrees to make certain payments based on a rate of interest. Companies operate the same way. The most common types of corporate loans are term loans. bonds and lines of credit. The company agrees to the terms of each loan type, and the bank lends it money. Terms provide the details of the loan and specify the interest rate, payment amount and payment date(s).

    When the terms of the loan are revised in a way that changes the payments associated with the loan, the loan has been refinanced. In a refinanced loan, the old loan is paid off with the new loan, and the old terms are replaced with new terms. Some loan terms come with fees associated with prepaying, which makes refinancing less rewarding. The most common changes in loan terms are maturity date and interest rate.

    Why Refinance

    Borrowers refinance for myriad reasons. A common goal is to pay less interest over the life of the loan. Borrowers may also want to change the duration of the loan or switch from a fixed-rate to an adjustable-rate mortgage. or vice versa. The reasons and motivations behind refinancing a loan are as varied as the loan types offered.

    Refinance Loan Types

    There are several different types of refinancing options. The type of loan a borrower decides on is dependent on the needs of the borrower. The most common type of refinancing is called the rate-and-term. This occurs when the original loan is paid and replaced with a new loan. Another type of refinancing is the cash-out. Cash-outs are common when the underlying asset collateralizing the loan increases in value. The transaction involves withdrawing the value or equity in the asset in exchange for a higher amount. In other words, when an asset increases in value on paper, you can gain access to that value with a loan rather than selling it. This option increases the total loan amount but gives the borrower access to cash immediately while still maintaining ownership of the asset. Another refinancing option is referred to as the cash-in. The cash-in refinance allows the borrower to pay down the loan for a lower loan-to-value ratio or smaller loan payments.



    Money Girl: 6 Tips to Sell a House Fast in Any Market #sell #my #house #fast #phoenix


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    6 Tips to Sell a House Fast in Any Market

    If you ve ever been in a situation where you need to sell a house fast, you know how frustrating it can be. Day after day, you hope the perfect buyer will come along and make a great offer.

    Fortunately, there are ways to speed up the sale of your home. without sacrificing profit. In this episode, I ll give you 6 tips to sell your home as quickly as possible, in any real estate market.

    How to Sell a House Fast in Any Market

    I m sure you know that real estate markets vary drastically depending on where you live. I relocated from central Florida to the San Francisco Bay Area in 2013, and am still experiencing real estate sticker shock!

    For instance, according to Zillow.com. the median home value in the San Francisco metro area is $688,600. The median for the Orlando metro area is just $161,600. Spending $500,000 on a home in central Florida buys you a mansion on a lake, while you d be hard-pressed to find something habitable for that price on the San Francisco peninsula.

    In most of the U.S. real estate values have generally rebounded from the lows we saw in 2011. Plus, rising rents and cheap mortgage rates are pushing more renters to consider becoming homeowners in many markets.

    So, if you re considering selling your home, it may be a good time. But before you put out the for sale sign, follow these 6 tips to make sure you sell as quickly as possible–and for the best price:

    Selling Tip #1: Improve Your Curb Appeal

    Nothing is more important than a first impression. So consider what a potential home buyer may think as he or she drives up to your property for the very first time.

    Walk out into your street and look–and I mean really look–at your home to see its shortcomings. Is it attractive, clean, and well-kept, or does it need maintenance that you ve been putting off?

    After you ve been in a home for a while, it can be difficult to see it objectively. So take suggestions from a real estate professional, friends, or prospective buyers about how to make it show better.

    When your home is on the market, it s critical that your landscaping is well-groomed and your lawn is mowed 24/7. Plus, your driveway, exterior porches, and exterior walls must be clean, too.

    If you put money into cleaning up the outside of your home, I can guarantee that buyers will be more likely to take a tour of the inside. Curb appeal is what draws buyers in, helps maintain their interest, and sets your home apart from the competition.

    Remember that unless you re willing to discount a home s price well below market value, prospective homebuyers generally won t want to buy a house that needs a lot of work.

    Pages



    Insurance for Landlords #house #rental #insurance #quotes


    #

    Insurance for Landlords

    What types of insurance for landlords do you offer?

    We have 2 types of policies: Landlord’s Rental Dwelling Insurance and Landlord’s Rental Condo insurance. Whether you’re a landlord with multiple rentals, or if you’re just leasing your home or condo, we’ve got a policy to suit your needs.

    What does insurance for landlords cover?

    • The following benefits are available with any policy you choose:
    • Property coverage, which covers your rental property if you own rentals built for one to four families, as well as other private structures on your property (like a garage or shed), and personal property, like tools, appliances or furniture that’s stored on the property or used by your tenants. This coverage even includes items that are out for repair or servicing.
    • Loss of rental income protects you if something happens and you’re unable to rent your property out. We’d pay for your loss of rental income during the repair or rebuilding period.
    • Liability coverage helps cover you for one of the biggest risks landlords face: responsibility for injuries that occur on their rental property. This coverage includes personal liability, which will provide $100,000 of coverage (or more if you choose) if someone gets hurt or property damage occurs and you’re found responsible. This also covers all your defense costs. It also includes medical payments to others, so that if someone is hurt on your property, we’ll pay up to $1,000 (or more, depending on your policy) for medical costs.
    • Personal injury coverage will protect you as a landlord from lawsuits alleging wrongful entry, wrongful eviction, and invasion of the right of private occupancy.

    What other features and benefits do the insurance for landlord policies offer?

    In addition to our basic policy, we offer two different options to protect you from out of pocket costs, if you ever have to repair or rebuild your investment property:

    Extended limits coverage will safeguard you against unexpected increases in building and repair costs, protecting you if the dwelling’s replacement cost exceeds the policy’s Coverage A limit. If the amount of insurance selected for the dwelling prior to the loss turns out to not have been enough, Extended Limits Coverage provides 25 percent more insurance to cover the extra need.

    Coverage A Plus SM provides maximum protection to cover the cost to rebuild or repair your property if it were destroyed, even if that cost were more than the amount shown for Coverage A on your policy. There is no limit to the amount over the policy amount (except in a few states, such as FL). Your deductible applies.

    We can help you find solutions to meet your unique needs. Just fill out the form—there’s no obligation.

    Contact MetLife: All fields are required

    By clicking submit, you agree that we* may contact you at the number you’ve provided, possibly using automated technology or a prerecorded voice, to talk about our products and services. If you don’t want to give this permission, you can still get a quote or make a purchase by calling us directly at 1-800-638-5433.

    *A MetLife company or third party acting on MetLife’s behalf.

    Thank you for contacting us.

    Someone from MetLife will be reaching shortly to provide you help.

    1 See policy for restrictions.

    2 Identity Protection Services are available in NC homeowner policies with the optional “Identity Theft Expense and Resolution Plus” endorsement for an additional premium.

    3 Up to the available coverage limit of 25 percent of the dwelling’s Coverage A amount.

    Landlord’s Rental Dwelling Insurance is not available in all states.

    MetLife Auto Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify.

    This information, although a reasonable description of the coverage provided, does not constitute part of the policy or binder of insurance and shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this information, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details.

    © 2016 MetLife Auto Home

    About MetLife



    The Military – s Cybersecurity Budget in 4 Charts – Defense One #white #house, #mark #welsh, #cyber #attack, #cyberwar, #cyber #workforce, #cyber #threats, #army #cyber #command, #cyber #budget


    #

    THIS WEEK. Opening the missile defense discussion; Canada throws shade, and more.

  • Everything That’s Wrong With That McMaster Op-Ed

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  • What Xi Jinping Wants

  • The Military s Cybersecurity Budget in 4 Charts

    The White House is pitching $5.5 billion in cyber spending for FY 16. Here s what that money looks like.

    This story was updated March 19.

    U.S. Cyber Command spending will take a 7 percent hit this year, even as it tries to get mission troops up and rolling in 2016, according to Defense Department budget figures.

    Last year, the force was funded at $546 million, while 2015 estimates project a $509 million purse. Pentagon spokeswoman Lt. Col. Valerie Henderson on Wednesday night said the 2014 number included money for one-time purchases “to fit-out and lease facilities” for the cyber troops.

    Money for the command — tasked with orchestrating network defense maneuvers and offensive cyberattacks — will stabilize over the next five years, totaling out at $2 billion.

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    About $500 million in 2016 would go toward compensating computer security whizzes departmentwide, according to budget materials provided to Nextgov. Earlier this month, Defense received the green light to fast-track the hiring of 3,000 civilian cyber pros. in part, to staff the half-full Cyber Command.

    **The Cyber Command line item is not inclusive of all Cyber Command spending. Some of U.S. Cyber Command’s funding is also included in the cyberspace operations and cybersecurity initiative categories. Total U.S. Cyber Command funding for fiscal 2014, 2015 and 2016 is below:

    • Total Cyber Command funding FY 2014: $546 million
    • Total Cyber Command funding FY 2015: $509 million
    • Total Cyber Command funding FY 2016: $463 million

    The criticality of the command’s troops was underscored Friday, when Defense Secretary Ash Carter chose them as his first stateside military audience .

    “That should tell you something about how vital the mission is that you all have taken on, how important it is for the security of our country and, for that matter, the security of our economy and our people in their individual lives, because cyber touches all aspects of their lives,” Carter said at command headquarters in Fort Meade, Maryland.

    Defensewide, cyber funding would reach $5.5 billion under the White House’s 2016 budget, with more than half of that sum going toward operations and maintenance.

    But a significant amount would also be devoted to innovation. The “research, development, test and evaluation” request totals $1 billion. That’s more than double the amount slotted for procuring new tools.

    The Air Force’s $1.4 billion piece of the 2016 cyber pie is significantly higher than the Army’s $1 billion portion. Air Force officials in recent weeks have voiced concerns that across the board spending cuts could hurt the branch’s technical supremacy, according to CNN.

    “The option of not modernizing isn’t an option at all,” Gen. Mark Welsh, the Air Force’s chief of staff, told Senate lawmakers last month. “Air forces that fall behind the technology curve fail … And joint forces without the full breadth of air space and cyber capabilities that modern air power brings will lose.”

    There has been some discussion of transitioning Cyber Command to its own military branch. But it won’t be in the immediate future.

    Defense does not want “to take too many jumps, organizationally, at once,” Carter said last week. “We have given some thought to that. And for right now, we’re walking before we run,” but “that’s one of the futures that cyber might have.”

    Currently, the goal is to prop up 133 mission forces teams, “with the majority achieving at least initial operational capability by the end of fiscal 2016,” Cyber Command chief Adm. Mike Rogers told House lawmakers earlier this month. “I have been working with the services to accelerate the work we are doing to keep on schedule, but I can promise you that will not be easy,” he said.

    Any potential Cyber Command branch would be dwarfed by even the smallest of the armed services, like, for example, the $24 billion Marine Corps.

    Correction: Defense budget documents initially provided to Nextgov reported U.S. Cyber Command funding was set to increase from $190 million to $364 million — a 92 percent increase. However total Cyber Command funding is also provided through additional funding line items, according to U.S. Army spokeswoman Valerie Henderson. When all program elements are added up, total Cyber Command spending between 2014 and 2015 is actually set to decline from $546 million to $509 million — a 7 percent decrease.

    • Aliya Sternstein reports on cybersecurity and homeland security systems. She’s covered technology for more than a decade at such publications as National Journal s Technology Daily, Federal Computer Week and Forbes. Before joining Government Executive, Sternstein covered agriculture and. Full bio
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  • What Xi Jinping Wants



  • How to get a loan to buy a site and build a house #debt #consolidation #loans


    #getting a loan
    #

    How to get a loan to buy a site and build a house

    Tags:

    Most banks offer loans to people who wish to buy a piece of plot to construct their dream home. Available to salaried and self-employed people and also to NRIs, land loans enable you to purchase a residential plot of land.

    WHAT TYPE OF LAND CAN BE PURCHASED?

    IS IT SUITABLE TO YOU?

    There are a few factors that influence an individual’s decision to construct his house himself. The price situation is one. Investing in a plot and building a house yourself can at times be less expensive. Also, you can pace the construction to suit your finances and economic constraints. Building an independent home enables the owner to implement his creative ideas in design and colour schemes. Further, you have the flexibility to postpone major expenses, improvements and expansion to a later date.

    HOW DIFFERENT IS IT FROM HOME LOAN?

    The rate of interest charged on a land loan is on a par with the rate charged on a home loan. Unlike home loans, you cannot claim income tax deductions on interest paid on land purchase loans. When you take a loan for construction on the site, you become eligible for tax break. Here you can claim tax benefits on both loan for land purchase and loan for house construction. Tax deductions will be applicable only in the year in which the construction is completed after submission of completion certificate from authorities concerned.

    DOWN PAYMENT

    People who seek a loan to buy a plot have to pay a larger down payment. The loan-to-value (LTV) ratio is often as high as 70%. Usually, a person seeking a home loan has to make arrangements for only 20% of the cost of property.

    DOCUMENTS NEEDED

    It is prudent to hire the services of a lawyer to verify legal documents associated with the plot of land. Verify the layout drawing of the site as approved by the town planning authority, and no encumbrance certificate of the land. Other property documents include original documents pertaining to ownership of land, revenue receipts, land records and tax receipts.

    SOME DOCUMENTS YOU NEED WHILE APPLYING FOR A LAND LOAN:

    Original site ownership documents, tax receipts for taxes paid by the owner, layout drawing, revenue receipts. no objection certificate from society for sale and transfer of land, and no encumbrance certificate for the land.



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    Freedom House Recovery Center, Family Counseling Center, Chapel Hill, NC – The Care Centers #freedom #house #recovery #center


    #

    Freedom House Recovery Center, Family Counseling Center

    Freedom House Recovery Center, Family Counseling Center in Chapel Hill, NC provides Mix of Mental Health and Substance Abuse.

    The staff at Freedom House Recovery Center, Family Counseling Center provide personalized services designed to meet the needs of every patient. The dedicated health professionals offer the assistance you need while respecting your independence.

    The North Carolina Division of Health Service Regulation provides a list of registered care providers in North Carolina.

    This facility offers:

    • Mix of Mental Health and Substance Abuse

    Is this your business? Claim your page!

    Nearby Substance Rehab Centers

    Facility Features

    Primary Focus
    • Mix of Mental Health and Substance Abuse
    Care Types
    • Mental health treatment
    Emergency Mental Health Services
    • Crisis intervention team
    • Psychiatric emergency walk-in services
    Special Programs Groups offered
    • Persons with Alzheimer s or dementia
    • Clients referred from the court/judicial system (other than DUI/DWI)
    • Persons with co-occurring mental and substance abuse disorders
    • Lesbian, gay, bisexual, or transgender (LGBT) clients
    • Persons with HIV or AIDS
    • Persons with eating disorders
    • Persons with post-traumatic stress disorder (PTSD)
    • Seniors or older adults
    • Children with serious emotional disturbance (SED)
    • Persons with serious mental illness (SMI)
    • Transitional age young adults
    • Persons with traumatic brain injury (TBI)
    Treatment Approaches
    • Behavior modification
    • Cognitive/behavior therapy
    • Couple/family therapy
    • Dialectical behavior therapy
    • Group therapy
    • Individual psychotherapy
    • Psychotropic medication
    • Telemedicine therapy
    • Trauma therapy
    Ancillary Services
    • Court-ordered outpatient treatment
    • Integrated primary care service
    • Suicide prevention services
    • Screening for tobacco use
    Age Groups
    • Adults
    • Children/adolescents
    • Seniors (65 or older)
    • Young adults
    Service Setting
    • Outpatient mental health facility
    • Outpatient
    • Partial hospitalization/day treatment
    Languages
    • Services for the hearing-impaired
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    Smoking Policy
    • Smoking allowed in designated area


    Mortgage protection insurance can save a house – and more #construction #loan


    #loan protection insurance
    #

    Mortgage protection insurance can save a house — and more

    Last Updated: September 25th, 2015

    Taking out a mortgage can be a scary prospect. Now imagine if one of the household’s breadwinners dies. How will you make the payments?

    Mortgage protection insurance covers this potential financial disaster. You can purchase a policy when you first buy your home. Often you must buy it within a certain time period after closing escrow, generally up to 13 or 24 months. However, some companies may allow up to as much as five years.

    The idea behind mortgage protection insurance is straightforward: You pay a premium, which remains the same for the duration of the policy. If you die during that time, the insurance pays out your death benefit.

    “Mortgage protection insurance is a life insurance program that gives you special benefits because you have a mortgage,” says Andy Albright, president and CEO of National Agents Alliance, the largest mortgage insurance broker in the nation.

    The type of “death benefit” you receive depends on the type of policy you purchase. Mortgage protection insurance has evolved, Albright says. In the old days, your death benefit would be the outstanding balance on your mortgage. But today, most mortgage insurance policies are designed to pay out the full amount of your original mortgage, no matter how much you owe. For example, let’s say your mortgage was $100,000 at the time you purchased your 30-year policy. If you die 10 years later, your insurer will still cut your beneficiary a check for $100,000 even if you now owe $67,000 on the home.

    The beneficiary can use the money for anything to pay off the mortgage in one lump sum, make car payments or put the money in the bank.

    If you pay off your mortgage early, you keep the coverage until the term of your policy expires. Some insurers will allow you to turn that mortgage insurance into a life insurance policy, Albright says.

    How mortgage insurance is priced

    Insurance companies consider things like your age, if you smoke and the principal amount of the mortgage (many insurers do not count smoking cigars or dipping tobacco). Also, you may not need to take a physical exam to buy mortgage protection insurance, depending on the insurer.

    “It opens the window to get life insurance without having to jump through all the hoops,” Albright says.

    The national average for a mortgage amount is $120,000, Albright says. Assuming that’s your mortgage, you would pay roughly $50 a month for a bare minimum policy. If you want to add riders (such as “return of premium” or living benefits), you may pay around $150 a month. Out of roughly 70 million homeowners in America, only about 2 percent have mortgage insurance, Albright says.

    Some insurance companies may require your policy be reissued if you refinance your mortgage, but it’s not the norm, Albright says. That would probably be the case if you bought a policy that pays out only the balance left on your mortgage.

    You may also purchase mortgage protection insurance that provides joint coverage for both you and your spouse. This means the death benefit will be paid when either of you dies. The premium for such joint coverage may be lower than what you’d pay for two individual term life insurance policies.

    Alternatives to mortgage protection insurance

    Term life or permanent life insurance are alternatives to mortgage insurance. While most mortgage protection insurance policies today are similar to term life policies because the death benefit could be used to pay the mortgage, funeral expenses, education costs or anything else, you can purchase larger amounts of life insurance. With mortgage insurance protection, your death benefit will likely be capped at your initial mortgage amount. (You may be able to purchase more, up to 20 percent of your mortgage amount.)

    The advantage to purchasing mortgage protection insurance is that it may be cheaper than life insurance and you may not be required to undergo a medical exam.

    Don’t confuse mortgage insurance with PMI

    If you’ve purchased a home with less than 20 percent down, your lender probably required you to purchase “private mortgage insurance,” or PMI.

    While mortgage protection insurance will pay off your loan when you die, PMI is intended to cover a portion of your loan if you default and the benefit is paid to your lender, not your family. PMI is designed to reduce the risk faced by lenders. PMI might make it easier for you to get a mortgage, but you need another form of life insurance to guarantee your loan can be paid off should you die.



    Is there an ideal credit score for buying a house? Trulia Voices #home #mortgage #rates


    #ideal home loans
    #

    Answers

    Your Credit May Not Be As Bad As You Think,

    By Stephen Webber Retired After 34 Years of Real Estate For First Time Home Buyers

    Most importantly don’t do anything until your loan officer looks it over with you. So many times people do what would seem like a good idea; pay off a past due or pay off a credit card and close the account to later discover they actually lowered their rating.

    Loan officers work with credit continually and many times can suggest a notification or two and presto the rating is up. Maybe there is a late pay that didn’t happen or maybe should have fallen of the report months earlier.

    They have a very strong incentive. They can’t make a loan unless the credit is acceptable so the experienced loan officers know their stuff.

    An article that will serve you well is #13 Consultation Interviewing Loan Officers at Your Road Home.com. Also article #5 Your Credit and Financing Your Home.

    Choose your loan officer before you allow anyone to fix or monitor your credit. Your loan type will dictate the required rating. Once you know exactly what needs to happen you can direct the requirements, establish a time line and plan your next step.

    The shortest path to owning your home.

    Most importantly;

    Don’t let anything or anyone deter you from your goal of owning your home.

    Best of Luck, Stephen Webber Retired After 34 Years of Real Estate For First Time Home Buyers



    Moving Checklist – Things to Remember When You Move #buying #a #home,moving #checklist,packing,new #house,real #esate,packing #boxes,moving


    #

    9 Smart Things to Do Before You Move

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    You’ve just signed the paperwork on a new home (congrats!). But soon the excitement of getting settled at your new place will wear off, and the panic of packing up boxes will set it. We’ve rounded up expert-approved tips to keep you sane and totally prepared during the move.

    1. Manage packing smartly.
    “For my recent move, I gave myself a daily box quota to prevent a draining weekend of non-stop packing,” says Amy Azzarito, design writer and author of Past Present . Avoid boxing up your old place in one fell swoop, if you have the time. Remember, you’lll need some energy left to unpack, too.

    25 Ways to Get Rid of Clutter

    9 Clever Ways to Make a New House Feel Like Home

    How to Move Without Going Bankrupt

    3 Top Tips if You’re Planning a Move

    Moving Day Made Easy

    2. Skip the cardboard boxes.
    Target Home Style expert and blogger Emily Henderson used California-based company rentagreenbox.com for her most recent move. “A week before I moved, they dropped off sturdy boxes with attachable lids and came back to collect them once I unpacked,” she says. “No cardboard boxes, taping, or bubble wrap. Plus, its eco-friendly and can be cheaper than buying pricy moving boxes.” If you’re not in Los Angeles, companies with similar business models are popping up around the country and are just a Google search away.

    3. Don’t pack your closet.
    “If you use professional movers, ask them to bring several wardrobe boxes on the day of the move,” suggests Emily Schuman, author of the blog Cupcakes and Cashmere. “The movers take clothing right on the hangers and, woosh. your clothes will be in and out.” Bonus: You can skip a full day of ironing once you’re settled.

    Advertisement – Continue Reading Below

    4. Switch your utilities.
    This one may seem like a no-brainer, but Brendon DeSimone, author of Next Generation Real Estate . says the timing is key: “As soon as you have a closing date, call the utility companies and set up a service switch.” This is especially important if you’re moving into a home that is newly built or previously vacant: Arranging a maintenance call to reestablish service might be necessary.

    5. Make saying goodbye easier.
    Moving from a home with sentimental value (your kids’ growth-mark notches in the doorframe!) can be gut wrenching. To ease the pain, Azzarito suggests creating a Pinterest board with things you’re excited to do in the new home, like dream decorating or new things to do in that part of town. If you have young kids, personal organizing guru Barbara Reich suggests taking a video of each child talking about their favorite part of the house to preserve the memories.

    6. Haul the basics before the moving truck comes.
    If your new place is within driving distance of your current home, plan to take basic supplies over the day before, says Reich. “Unpacking the bathrooms in advance and having pajamas and clothes for the next two days set aside will bring some normalcy to the chaos of the boxes,” she says.

    7. Visualize life in your new home.
    “Confession: I’ve been known to hang pictures while the movers have been unrolling rugs,” says interior designer Nate Berkus. While Berkus attributes his hyper-organization to his Virgo star sign, we think he has a pretty good point: “The sooner you get unpacked and organized, the sooner it feels like home.” If you move at a slower pace than Nate, plan out spots for your favoriate pieces of art and d cor in advance. You’ll feel more accomplished and settled if you do.

    8. Meet your neighbors the fun way .
    Sure, baked goods and a friendly hello will do the trick, but if you’re going to be painting the interior walls, Henderson has a fun party idea: “It’s called a graffiti party and guests are given paint samples or markers to scribble games and notes on the wall.” Don’t be shy about hosting a gig sans furniture; this relaxed party theme is built around pizza and folding chairs.

    9. Discover the local resources.
    Take a walk around your new neighborhood and be sure to introduce yourself to people you pass by. DeSimone says this is the best way to get a recommendation for a handy man, neighborhood favorite babysitter and get to know the lay of the land. If your life was an ABC Sunday night drama, these meet-and-greets would be peppered with salacious gossip on the community’s comings and goings (ha!).

    TELL US: What made your last move easier?



    Throwing Snow In Neighbors Yard? Illegal? LONG! #yard, #snow, #driveway, #house, #snowblower, #side, #nice, #small, #butts, #week, #throw, #tree, #home, #property, #problem, #blow, #windows, #front, #neighbors, #flowers, #branches, #alot, #trees, #homes, #fence, #throwing, #line, #feet, #back, #white, #blowing, #rock, #complained, #year, #freshly, #shoveled, #blows, #growing, #cigarette, #throws, #backyard, #trimmed, #things, #$1700, #city, #area, #grassy, #country, #long, #live


    #

    Thread: Throwing Snow In Neighbors Yard? Illegal? LONG!!

    Throwing Snow In Neighbors Yard? Illegal? LONG.

    I am new here and am looking for some help or information please.
    Unfortunately, I do not live in the country, but I wish I did, I hate
    the city. If I could afford it, I would move to the country and away
    from all the hustle-bustle, traffic, and people.

    I found this group when I was doing a search at Google for problem
    neighbors so I guess I will post my problem here. I live in a old
    residential part of the city where the homes in the neighborhood are all
    right next to one another. The homes are probably about 30 feet from one
    another. Well as you guessed it, my problem is with one of my neighbors.

    My neighbor who lives to the right of me is the problem. His driveway is
    on the right side of my home where the grassy area is ( my driveway is
    on the the left side of my house ). His driveway is about 12 feet wide,
    then he has 2 feet of ( grass ) property line, and the rest of the yard
    to my house is my property.

    On my grassy area, I have some flowers, rose bushes, 2 small dwarf
    Alberta trees, a small pine tree and another small decorative tree. One
    of the things that really angers me is that I take alot of pride and do
    alot of hard work to keep my yard clean and looking nice, and he knows
    this because he is always watching me all the time, because he is always
    home, 24 hours a day, because he is collecting disability income from
    the government because of is bad back .

    Anyway one of the things he does is he stands out on his small back
    porch about every ten minutes and smokes his white Marlboro Lights, and
    when he gets done, he throws his cigarette butts over into my yard. I
    will go to bed at nightime, and wake up the next morning and go outside
    to water my plants and flowers and there will be like 7 white smoke
    butts on my lawn. WHY can’t he throw them in his backyard. WHY can’t he
    put them in a jar or a bucket. NO, he throws them in my yard. I usually
    pick up the stupid cig. butts and throw them away but what I did a few
    weeks ago was start counting how many cig. butts he is throwing into my
    yard. I started picking them up on Monday all the way to Sunday. One
    week there was 63 in my yard. The next week there were 57, and another
    week there were 65. So basically he is throwing about 60 cig. butts a
    week into MY yard, not to mention his cigarette wrappers as well.

    Now I doubt that there is anykind of law to prevent him from doing this,
    but hopefully there is for my next question. In the winter he uses his
    snowblower and blows all the snow from his driveway into my yard. He
    runs the snowblower so high that snow hits the side of my house and my
    windows. If we have a big snowstorm, all the snow in my yard, plus his
    from his driveway, will bury my basement windows, my flowers, and my two
    small dwarf Alberta Spruce trees. I can’t understand WHY he has to throw
    the snow over into my yard. WHY can’t he blow the snow down his
    driveway and into his backyard??

    He aims the snowblower toward my home and blows the snow into my yard,
    onto my freshly shoveled front stairs, and my freshly shoveled front
    sidewalk, where if someone were to fall down in front of my home, I
    would be sued because of HIS SNOW.

    Last year he was blowing the snow over into my yard, and a rock from his
    driveway shot out from his snowblower and hit the side of my house!!
    Now, I have TRIED to be NICE and have talked to him about this. In the
    summer, he complained to me that the branches on my pine tree and my
    flowering pear tree were growing toward his driveway, and that didn’t
    want them to scratch his mini-van and pickup truck. So I decided to be
    nice and I trimmed the branches growing toward his driveway nice and
    short so that they were out of his way and there were no more problems.

    So the other day when we got 4 inches of snow, he was out there bright
    and early blowing the snow into my yard. So I went out there and NICELY
    asked him WHY he has to blow the snow into my yard and against my house,
    and he said because he wants to clear his driveway, and doesn’t want to
    walk in the snow . So then I told him that I don’t want him to blow the
    snow into my yard and against my house because last year a rock came
    flying out from his snowblower and hit the side of my house, and I don’t
    want to get any broken windows or holes in my new vinyl siding. So then
    he said its only snow, it’ll melt, what are you gonna do about it? So
    instead of losing my temper and doing something that I would regret, I
    walked away.

    So, it was okay when he complained about my trees branches, I was the
    nice person and trimmed them right up for him, but when I aksed him to
    NOT throw snow into my yard, he was a total JERK about it.

    So does anyone know if there are any laws what-so-ever about snowblowing
    snow into someone elses yard??

    Thanks for reading all this and listening to me vent out my frustration,
    and for any info. you might be able to give me.

    P.S.
    Alot of you are probably thinking why I don’t just put up a fence. I
    already got a few estimates LAST SPRING and because the property line is
    long on the sides of our homes it will be $1700 dollars to install a 6
    foot wooden stockade fence right down the property line and
    unfortunately I don’t have an extra $1700 for a fence right now, but
    when I do get it, you can bet there will be one going up. But for now,
    WHAT can I do??



    Edward Hopper: Paintings, Biography, Quotes of Edward Hopper #hopper #house


    #

    Edward Hopper and his paintings

    Edward Hopper is widely acknoledged as the most important realist painter of twentieth-century America. But his vision of reality was a selective one, reflecting his own temperament in the empty cityscapes, landscapes, and isolated figures he chose to paint. His work demonstrates that realism is not merely a literal or photographic copying of what we see, but an interpretive rendering.

    Edward Hopper was born in 1882, in NY, into a middle class family. From 1900 to 1906 he studied at the NY School of Art, and while in school, shifted from illustration to works of fine art. Upon completing his schooling, he worked as an illustrator for a short period of time; once this career path ended, he made three international trips, which had a great influence on the future of his work, and the type of art he would engage in during the course of his career. He made three trips to Europe between 1906 and 1910. In retrospect, Europe meant France, and more specifically, Paris, for Edward Hopper. This city. its architecture, light, and art tradition, decisively affected his development.

    When he arrived in 1906, Paris was the artistic center of the Western world; no other city was as important for the development of modern art. The move toward abstract painting was already underway; Cubism had begun. There, in 1907, Picasso painted his legendary Les Demoiselles d’Avignon. Hopper, however, later maintained that when he was in Paris he never heard of Picasso, who was to become so important for the development of modern literature. For Hopper, the encounter with Impressionism was decisive. The light in these paintings and the thematic treatment of architecture and nature particularly attracted him and were to influence all of his work. His reaction to the Impressionists is directly reflected in his own art. He forgot the dark, Old Master-like interiors of his New York student days, when he was influenced mainly by the great European artists – Francisco Goya. Caravaggio. El Greco. and Diego Velazquez. The influence of Impressionists, such as Edouard Manet. Paul Cezanne. and Edgar Degas is directly reflected in his own art. His palette lit up and he began to paint with light and quick strokes. Even in 1962, he could say, “I think I’m still an Impressionist.”

    In 1910 Hopper returned to the United States, never to leave North America again. During the 1910s, Edward Hopper struggled quite a bit to gain any recognition for the works he had created. During this period a number of his works were distributed through various shows and exhibits in New York, but very little, if any attention, was given to his pieces. Oil painting was a focal point of the work he had done, but a majority of the sales he made during this period, was for works he had created doing etching work and murals.

    At the age of 37, Edward Hopper received his first open invitation to do a one person exhibit, featuring some of this finest pieces of art. 16 pieces of his work were shown at the Whitney Club, and although none of the pieces were sold at this exhibit, it did point his career in a new direction, it got his art work out to the general public, and he became a more notable name in the type of work and the art forms which he most wanted to focus his career on, for the future works he would create.

    A few years later, Edward Hopper found his career had taken a turn for the better, and he was doing well in sales, and financially with the works he had created. He was invited to do a second one person exhibit, to feature new works, and to create a buzz about the work he had created in recent years. The Frank KM Rehn Gallery in NYC. was where this second exhibit took place, and it received far more attention and a much larger crowd, due to the location where the exhibit was taking place, and also because of the fact that more people were now aware of the works Edward Hopper had created.

    House by the Railroad. was a famous painting created by the artist, which was the first work to be acquired for the Museum of Modern Art. which had only recently been opened for general viewing. Strongly defined lighting, clearly defined lines, and cropped viewpoints, were some of the features which this art work captured; and, this embodied the style in which Edward Hopper would use later on in his career, and with the future works that he would produce during the course of his career as an artist.

    In 1923, Edward Hopper married a fellow student who attended the NY Academy where he got his education, Josephine Nivision. Not only did she pose for nearly half of the female figure pieces which he created during his career, she also encouraged and pushed him to engage in different art forms during his career as well. She pushed him to work with water colors, and she kept records of all the pieces he designed, the exhibits he was to be a part of, and all of the sales of the pieces which were made, during these exhibits in which his work was presented.

    In 1933, Edward Hopper received further praises for the works he had done, and for a piece that was on exhibit at the Museum of Modern Art. His highly identifiable style, and mature painting styles, were some things he had become known for during this period. The gorgeous landscapes, the quiet rooms and empty rooms he designed, and the transitory effect which many of his works posed, created a sense of contemporary life and a new style, which many in the art world recognized, and many praised him for this distinct style he had created in his art forms.

    In Edward Hopper’s most famous piece, Nighthawks. there are four customers and a waiter, who are in a brightly lit diner at night. It was a piece created during a wartime; and many believe that their disconnect with the waiter, and with the external world, represent the feelings of many Americans during this period, because of the war. The piece was set up in 1942, in the Art Institute of Chicago. and was seen by many people while it was on exhibit for a show.

    Between the 1930s and 1950s, Edward Hopper and his wife spent quite a bit of time, and most of their summers, visiting Cape Cod, Massachusetts. In many of the works that Hopper created during this period, many of the scenes, the common locations, and nearby attractions which they visited, were often seen in the art forms that he created during his career. He also started to travel further out, and visited regions from Vermont out to Charleston, in order to add more new points of interest to his collection, and to broaden the works and the locations which he would include in many of the images that he created over the course of his career.

    Later in his career, many of his works were displayed in various exhibits, namely at the Whitney Museum. which was located in New York City. Later in his career, during the 1940s, was a period in which he found the most commercial success. But, soon after, and even during this time period, he began losing critical favors. This was namely due to the new forms of art, and the fact that abstract pieces were beginning to enter the art world, which took over the work he did, as well as the work of many famous artists prior to him.

    The themes of the tensions between individuals and the conflict between tradition and progress in both rural and urban settings, are subjects that Edward Hopper always returns to, as artists have always returned to their beloved themes – Van Gogh his Sun Flowers. and Monet his Water Lilies. His choices of subject matter – particularly the places he painted – seem to have been somewhat unpredictable, since they were part of his constant battle with the chronic boredom that often stifled his urge to paint. This is what kept Hopper on the move – his search for inspiration, least painfully found in the stimulation of new surroundings.

    His choices of subject matter – particularly the places he painted – seem to have been somewhat unpredictable, since they were part of his constant battle with the chronic boredom that often stifled his urge to paint. This is what kept Hopper on the move – his search for inspiration, least painfully found in the stimulation of new surroundings.

    Great art is the outward expression of an inner life of the artist, and this innerlife will result in his personal vision of the world. – Edward Hopper

    In the 1940s and 1950s, Hopper found himself losing critical favor in the wake of Abstract Expressionism. Among the new vanguard art movement emerged in the early 1940s, artists such as Willem de Kooning. Jackson Pollock and Mark Rothko advanced audacious formal inventions in a search for significant content. By breaking away from accepted conventions in both technique and subject matter, those artists made monumentally scaled works that stood as reflections of their individual psyches, and attempted to tap into universal inner sources. But Hopper continues on to paint the feeling familiar to most humans – the triste embedded in existence, in our intimate knowledge of the solitude of the self. Although the 20th century was the heyday of Sigmund Freud and Freudian Psychoanalysis. if ever Hopper felt his psyche was distorted, he did not want it corrected, for art came from who the artist was in every way. He did not wish to tamper with his subconscious nor his personal vision of the world. Hopper never lacked popular appeal, however, and by the time of his death in 1967, Hopper had been reclaimed as a major influence by a new generation of American realist artists.

    MOST POPULAR PAINTINGS



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    Whether you’re looking for buildings insurance or contents cover, it’s our business to make sure that you get the most for your money. Getting a home insurance quote with Chill Insurance is quick and simple. Once you’ve selected the right cover for you, you can put your feet up and relax. We’ll do the rest.

    Whether you’re looking for building insurance or contents cover, it’s our business to make sure that you get the most for your money. Getting a home insurance quote with Chill Insurance is quick and simple. Once you’ve selected the right cover for you, you can put your feet up and relax. We’ll do the rest.

  • Chill Money takes the hassle out of getting a loan. Apply online in minutes, get approved and have your money the next day. Simple.

    We compare different insurance companies to get your business the best deal on its insurance premium.

    If you’re a business owner, you’ve no doubt got a million and one things on your to-do list. We can help you tick getting ‘business insurance’ off your list by searching the biggest providers of business insurance in Ireland for you. Our team of experts are here to help get you the best price available.

    If you’re a business owner, you’ve no doubt got a million and one things on your to-do list. We can help you tick getting ‘business insurance’ off your list by searching the biggest providers of business insurance in Ireland for you. Our team of experts are here to help get you the best price available.

    Find cheap cover for your commercial vehicle by comparing lots of insurance providers in just a few clicks.

    Searching for a cheap policy for your commercial vehicle doesn’t have to be a hassle or take time. In just a few clicks, we can help you look for the most competitive van quote on the market. No matter what level of cover you need, Chill Insurance can get you a quote from the leading van insurers in Ireland.

    Searching for a cheap policy for your commercial vehicle doesn’t have to be a hassle or take time. In just a few clicks, we can help you look for the most competitive van quote on the market. No matter what level of cover you need, Chill Insurance can get you a quote from the leading van insurers in Ireland.

    Up to 10% off on certain mortgage protection policies. Choose from insurers with excellent benefits.

    Choosing the right life insurance policy can be a difficult decision. Whether you’re looking for mortgage protection, specified illness or personal life cover we can provide you information from some of the most trusted insurers on the market to help find you the best policy to suit you and your loved ones.

    Choosing the right life insurance policy can be a difficult decision. Whether you’re looking for mortgage protection, specified illness or personal life cover we can provide you information from some of the most trusted insurers on the market to help find you the best policy to suit you and your loved ones.

    Insurance News

    Your Home Your Choice

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    Tips For Start-up Businesses

    If you are a start-up company owner you may have ambitions to become a well established brand or organisation. Our blog provides tips that may help get your company off the ground.

    Car Maintenance Tips

    As we begin planning for the summer, it’s important not to forget that your car also needs preparation. We take a look at some car maintenance tips to help get your car ready for summer.



  • House Payment Chart #citifinancial #loans


    #home payment calculator
    #

    House Payment Chart | House Payment Calculator | Home

    House Payment Calculator

    Welcome to the house payment calculator here at housepaymentchart.com. This calculator is very simple to use. It will figure out the monthly payment on your house or it will figure out any payment due on any common mortgage or loan. Yes, it can definitely be used to figure out the payment on a car loan as well.

    The monthly house payment calculator below will calculate the amount that will be due each month for your principal and interest due for that particular month. Of course, most monthly payments due on a mortgage will include an escrow amount the bank will withhold monthly so they can pay your property taxes and homeowners insurance.

    A fairly common amount to withhold is about $300 monthly. So, to be 100% accurate about what your monthly payment on a given mortgage would be, you will have to find out how much the bank will withhold monthly to go toward your homeowners insurance and your city or town’s property tax. If you don’t know what this number is, simply add 300 to the number calculated in the box marked Monthly House Payment.

    Alternately, you could find out how much taxes you will be paying per year on your home and how much homeowners insurance you will be paying per year and add these numbers together. Then you can divide this number by 12 and you will know how much money to add onto the number that will be calculated below in the Monthly House Payment box.

    There is one more calculation that is made by the House Payment Calculator. This number is shown in the box below the Monthly House Payment box. This shows the total amount that you will have paid if you have paid off your mortgage in full for the full term of the mortgage.

    In other words, if you take out a 30 year mortgage, the number shown in this box will show you how much all your monthly payments together add up to. Basically, this number shows how much money you’ve actually wasted in paying interest due. It will show you the importance of getting the lowest interest rate you can.

    The reason it will show you this is because you will quickly see that the difference between paying 7% on a mortgage and 5% on a mortgage could be hundred thousand dollars or so. Try it out; you may be very surprised!

    As we have stated before, this calculator is simple to use but there is one thing you must look out for. This is the number of payments box. Remember to put the number of payments you have left on your mortgage in this box. If you are gathering together information to see how much you will be paying monthly on a 30 year mortgage, remember to put 360 in this box instead of 30.

    Of course, a 15 year mortgage would be 180 payments and the number you would enter in this box for 20 year mortgage will be 240. The reason the calculator has been designed this way is so that anyone can figure out what the monthly payment is on the mortgage that is already started.

    For instance, if you’ve been paying your mortgage for 5 1/2 years you will have already paid 66 payments. Therefore, if this is a 30 year mortgage you will enter 294 in this box. This is because 294+66 equals 360.

    Amount of the mortgage

    (Please don’t include commas) $

    Yearly interest rate %

    Number of payments

    (For example; 360 = 30 years,

    240 = 20 years, 180 = 15 years.)



    How to get a loan to buy a site and build a house #best #home #loan


    #getting a loan
    #

    How to get a loan to buy a site and build a house

    Tags:

    Most banks offer loans to people who wish to buy a piece of plot to construct their dream home. Available to salaried and self-employed people and also to NRIs, land loans enable you to purchase a residential plot of land.

    WHAT TYPE OF LAND CAN BE PURCHASED?

    IS IT SUITABLE TO YOU?

    There are a few factors that influence an individual’s decision to construct his house himself. The price situation is one. Investing in a plot and building a house yourself can at times be less expensive. Also, you can pace the construction to suit your finances and economic constraints. Building an independent home enables the owner to implement his creative ideas in design and colour schemes. Further, you have the flexibility to postpone major expenses, improvements and expansion to a later date.

    HOW DIFFERENT IS IT FROM HOME LOAN?

    The rate of interest charged on a land loan is on a par with the rate charged on a home loan. Unlike home loans, you cannot claim income tax deductions on interest paid on land purchase loans. When you take a loan for construction on the site, you become eligible for tax break. Here you can claim tax benefits on both loan for land purchase and loan for house construction. Tax deductions will be applicable only in the year in which the construction is completed after submission of completion certificate from authorities concerned.

    DOWN PAYMENT

    People who seek a loan to buy a plot have to pay a larger down payment. The loan-to-value (LTV) ratio is often as high as 70%. Usually, a person seeking a home loan has to make arrangements for only 20% of the cost of property.

    DOCUMENTS NEEDED

    It is prudent to hire the services of a lawyer to verify legal documents associated with the plot of land. Verify the layout drawing of the site as approved by the town planning authority, and no encumbrance certificate of the land. Other property documents include original documents pertaining to ownership of land, revenue receipts, land records and tax receipts.

    SOME DOCUMENTS YOU NEED WHILE APPLYING FOR A LAND LOAN:

    Original site ownership documents, tax receipts for taxes paid by the owner, layout drawing, revenue receipts. no objection certificate from society for sale and transfer of land, and no encumbrance certificate for the land.



    Home Loan EMI Calculator, House Loan EMI Calculator, EMI Calculator Home Loan #student #loan #rates


    #home loan calculators
    #

    You are here

    Retail Prime Lending Rate (RPLR) is 16.30% w.e.f. 6th October, 2015

    The Board of Directors at its meeting held on April 29, 2015 recommended a dividend of Rs. 13 per equity share of Rs. 2 each, subject to the approval of the shareholders at the 38th AGM to be held on Tuesday, July 28, 2015 at Birla Matushri Sabhagar, 19, New Marine Lines, Mumbai 400 020 at 3.00 P M.

    The Register of Members and the Share Transfer Books of the Corporation will remain closed from July 17, 2015 to July 28, 2015 (both days inclusive) for the purpose of payment of dividend for the financial year 2014-15.

    Shareholders who have not claimed their dividend for the F.Y. 2007-08, are requested to do so, on or before August 22, 2015, failing which it will be transferred to the IEPF and no further claim shall lie against the Corporation or the IEPF pursuant to Section 205C of the Companies Act, 1956.

  • RE-LOCATION OF INVESTOR SERVICES DEPARTMENT(ISD)

    All Investors are requested to take note that ISD will be re-located from Tel Rasayan Bhavan, Ground floor, Opp. BEST Workshop, Gate No. 4, Tilak Road Extn, Dadar T.T. Mumbai 400014 to the registered office of the Corporation located at 5th Floor, Ramon House, H. T. Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai – 400020 with effect from September 1, 2014. Contact details of ISD will remain unchanged.

    We request you to send all correspondence pertaining to the securities of the Corporation held by you to the said new address.

    QUICK LOAN FACILITY AGAINST DEPOSITS



  • Mortgage Prequalification Calculator: How Much House Can You Buy? #i #need #a #loan #now


    #mortgage loan calculator
    #

    Introduction

    What the calculator does.

    This calculator will calculate whether or not you would qualify for a home loan, and if so, how much of a home loan you might be qualifying for.

    The calculator also includes built-in mini-calculators for totaling up your gross income, monthly debt payments, and estimated homeowner’s insurance premiums.

    Finally, the calculated results includes one button to create a printer friendly report of the calculations, and another button to open an amortization schedule in a printer friendly window.

    If you would like to see how much house you can afford, versus what size mortgage you can qualify for, please visit the House Affordability Calculator. which includes a forecast of all home ownership costs.

    With that I invite you to use the Mortgage Prequalification Calculator to calculate whether or not you qualify for a home loan, and if so, just how large of a mortgage the lending institutions think you can afford.

    Instructions

    Enter your gross annual household income. Clicking the “i” icon will open a screen that contains a calculator for annualizing and totaling up to 5 income sources at once.



    Figuring the monthly payment on a house #20000 #loan


    #home loan payment calculator
    #

    Figuring the monthly payment on a mortgage

    Y our monthly payment includes more than just the repayment on the loan! It also includes property taxes and insurance, and if your down payment was less than 20%, then it also includes private mortgage insurance. Many mortgage calculators don’t include these amounts, which makes them kind of useless. My calculator (at right) gives you a more realistic picture of your real total monthly obligation.

    For the down payment , enter the largest that you’re able to afford.

    To show how much the interest rate and the down payment affect the monthly payment, here are some examples of monthly payments on a $180,000 home with a 30-year mortgage:

    1. 4% interest, 20% down: $987/month
  • 4% interest, 5% down: $1230/month
  • 8% interest, 20% down: $1357/month
  • 8% interest, 5% down: $1669/month

    Taxes, Insurance, and Maintenance

    When you own a house, you have three new expenses that you didn’t have when renting :

    1. Property Tax (collected by your local government).
    2. Fire/Hazard Insurance (with insurance premiums payable to your insurance agent).
    3. Maintenance on your home.

    To make it easier to pay for the first two, your lender provides a service called escrow . Your monthly mortgage payment includes amounts for taxes and insurance, which the bank holds for you, and then once a year they send the taxes to the tax assessor, and the insurance premium to your insurance agent. This service is free. It’s convenient because it spreads the big annual cost over twelve monthly payments, and because the bank takes care of the transactions for you.

    But you don’t have to use the escrow service if you don’t want to. If you prefer to pay your taxes and insurance separately from your mortgage payment, you’re certainly welcome to do so. Just let your bank know that’s what you want to do.

    Property taxes

    Property tax rates vary widely from county to county It’s worth finding the actual amount on the home you want to buy, so you can better estimate your total monthly payments. Most local governments let you see the tax amount for a given property on their website, and here’s a county-by-county list of U.S. property tax rates. If you can’t find the tax for the house yourself, your lender or real estate agent can look it up for you.

    Property taxes are generally paid at the end of the year, for the previous year. So in Dec. 2013 or Jan. 2014 you’ll pay taxes for 2013.

    Property taxes are a little tricky at closing, and we’ll cover that when you get to the closing costs lesson. You can wait until then to learn about that.

    Insurance

    If you’ve never purchased insurance before, it’s not hard. Get quotes from two or three agents and compare. If you already have insurance for a car, one of your quotes should come from the same agent, since you usually get a discount by having both car and homeowners insurance with the same company. To find other agents, just do an web search for “homeowners insurance”.

    Thankfully, states have mandated that insurance policies be standardized because there’s so much fine print you could never compare them easily otherwise. The main variables you’ll choose are:

    1. The amount of coverage. Typically, this should be the amount it would cost to replace your house if it burned to the ground. This amount is often less than you paid for your home, because you also bought the land the home is on. Naturally, you typically don’t insure the land, since it can’t burn down.

    Insurance Deductible vs. Premium



  • Getting a Loan for a Small House #mortgage #loan #calculator


    #small loan
    #

    Getting a Loan for a Small House

    Guest Post by Jonah Trenton

    FHA Loans

    FHA loan limits will vary by location, but in some cases loan amounts are available well under $100,000. For instance, the minimum loan amount for FHA loans in Florida is $40,000 with up to 98.75% LTV if the loan amount is under $50,000. Each location will have its own minimum loan amounts and maximum LTV thresholds based on property values in the area. So it is important to take time to research FHA guidelines in your area or to work with a mortgage broker familiar with FHA loans.

    25 Comments Getting a Loan for a Small House

      anotherkindofdrew August 13, 2012 at 10:03 am

    I think the larger issue is not so much for a home loan as it is a land loan. While most banks and loan programs will still lend for a home the parameters seem to shut out most new construction and most land purchases. I don t think a true, affordable option is in the near future unless we see packages that include a small plot of land, a small home (or build to suit), etc.

    Bryan August 13, 2012 at 10:49 am

    Banking is for capital investment not shelter. If you want to start a widget factory, Get a loan.

      Matt August 13, 2012 at 2:14 pm

    I would rather be in prison than in debt.

    most people today feel that their debt is imprisoning them. Regardless, you are correct.

    Unfortunately, what people want and what people need is not conducive to the financial and government sectors.

      Sharon August 19, 2012 at 8:52 am

    We all have to live somewhere, though, and renting when you have the skills to build your own house, but can t afford to make the transition is like slavery to me. I think I would rather be in a prison, at least my sentence would end some day and I could get out by paying off the prison. Right now I just pay for someone else s security and retirement. Sigh.

    JZ August 13, 2012 at 1:27 pm

    Also don t forget VA loans for veterans and active duty military. I m a retired vet and will be looking for a VA loan on a small (900 sq ft) in rural Illinois, Colorado or the East coast ( PA, VA, NC).

    Ben Funk August 13, 2012 at 6:43 pm

    I would imagine it would also be a good long-term idea to buy land first and then build your house after you pay off the land. I know this means you need to come up with cash first to buy the land or at least make a big down payment on it, but then you can use the equity in the land to have cash on hand to buy materials and hire workers (if needed) to build your home. My brother in law bought 2.5 acres in northern Wisconsin for cheap and built a cabin over the course of 2 years going up there on weekends. He keeps going back to add solar lights and other things, and will be adding a pump well to get some water too. I like this idea but it means that you need to be really selective with how you spend your money.

    I have looked into California land and land/construction loans. They all require 30% down are usually ARM: fixed for 5 yrs then adjustable APR. This is considered predatory unless you can pay it in 5 yrs. If you want a conventional loan: buy a fixer upper on a nice piece of land and use the house for storage or as a rental. Buying land is pointless because you never own it. You just have first rights for land use. Your property taxes are rent to the government.



    How Do I Manually Calculate House Payments? #loans #for #bad #credit #people


    #calculate loan payment
    #

    How Do I Manually Calculate House Payments?

    Write down the total amount of the mortgage as the variable “A.” For example, if the mortgage is $600,000, then write “A = 600,000.”

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  • How to get a loan to buy a site and build a house #student #car #loans


    #getting a loan
    #

    How to get a loan to buy a site and build a house

    Tags:

    Most banks offer loans to people who wish to buy a piece of plot to construct their dream home. Available to salaried and self-employed people and also to NRIs, land loans enable you to purchase a residential plot of land.

    WHAT TYPE OF LAND CAN BE PURCHASED?

    IS IT SUITABLE TO YOU?

    There are a few factors that influence an individual’s decision to construct his house himself. The price situation is one. Investing in a plot and building a house yourself can at times be less expensive. Also, you can pace the construction to suit your finances and economic constraints. Building an independent home enables the owner to implement his creative ideas in design and colour schemes. Further, you have the flexibility to postpone major expenses, improvements and expansion to a later date.

    HOW DIFFERENT IS IT FROM HOME LOAN?

    The rate of interest charged on a land loan is on a par with the rate charged on a home loan. Unlike home loans, you cannot claim income tax deductions on interest paid on land purchase loans. When you take a loan for construction on the site, you become eligible for tax break. Here you can claim tax benefits on both loan for land purchase and loan for house construction. Tax deductions will be applicable only in the year in which the construction is completed after submission of completion certificate from authorities concerned.

    DOWN PAYMENT

    People who seek a loan to buy a plot have to pay a larger down payment. The loan-to-value (LTV) ratio is often as high as 70%. Usually, a person seeking a home loan has to make arrangements for only 20% of the cost of property.

    DOCUMENTS NEEDED

    It is prudent to hire the services of a lawyer to verify legal documents associated with the plot of land. Verify the layout drawing of the site as approved by the town planning authority, and no encumbrance certificate of the land. Other property documents include original documents pertaining to ownership of land, revenue receipts, land records and tax receipts.

    SOME DOCUMENTS YOU NEED WHILE APPLYING FOR A LAND LOAN:

    Original site ownership documents, tax receipts for taxes paid by the owner, layout drawing, revenue receipts. no objection certificate from society for sale and transfer of land, and no encumbrance certificate for the land.



    Figuring the monthly payment on a house #best #mortgage #rates


    #home loan payment calculator
    #

    Figuring the monthly payment on a mortgage

    Y our monthly payment includes more than just the repayment on the loan! It also includes property taxes and insurance, and if your down payment was less than 20%, then it also includes private mortgage insurance. Many mortgage calculators don’t include these amounts, which makes them kind of useless. My calculator (at right) gives you a more realistic picture of your real total monthly obligation.

    For the down payment , enter the largest that you’re able to afford.

    To show how much the interest rate and the down payment affect the monthly payment, here are some examples of monthly payments on a $180,000 home with a 30-year mortgage:

    1. 4% interest, 20% down: $987/month
  • 4% interest, 5% down: $1230/month
  • 8% interest, 20% down: $1357/month
  • 8% interest, 5% down: $1669/month

    Taxes, Insurance, and Maintenance

    When you own a house, you have three new expenses that you didn’t have when renting :

    1. Property Tax (collected by your local government).
    2. Fire/Hazard Insurance (with insurance premiums payable to your insurance agent).
    3. Maintenance on your home.

    To make it easier to pay for the first two, your lender provides a service called escrow . Your monthly mortgage payment includes amounts for taxes and insurance, which the bank holds for you, and then once a year they send the taxes to the tax assessor, and the insurance premium to your insurance agent. This service is free. It’s convenient because it spreads the big annual cost over twelve monthly payments, and because the bank takes care of the transactions for you.

    But you don’t have to use the escrow service if you don’t want to. If you prefer to pay your taxes and insurance separately from your mortgage payment, you’re certainly welcome to do so. Just let your bank know that’s what you want to do.

    Property taxes

    Property tax rates vary widely from county to county It’s worth finding the actual amount on the home you want to buy, so you can better estimate your total monthly payments. Most local governments let you see the tax amount for a given property on their website, and here’s a county-by-county list of U.S. property tax rates. If you can’t find the tax for the house yourself, your lender or real estate agent can look it up for you.

    Property taxes are generally paid at the end of the year, for the previous year. So in Dec. 2013 or Jan. 2014 you’ll pay taxes for 2013.

    Property taxes are a little tricky at closing, and we’ll cover that when you get to the closing costs lesson. You can wait until then to learn about that.

    Insurance

    If you’ve never purchased insurance before, it’s not hard. Get quotes from two or three agents and compare. If you already have insurance for a car, one of your quotes should come from the same agent, since you usually get a discount by having both car and homeowners insurance with the same company. To find other agents, just do an web search for “homeowners insurance”.

    Thankfully, states have mandated that insurance policies be standardized because there’s so much fine print you could never compare them easily otherwise. The main variables you’ll choose are:

    1. The amount of coverage. Typically, this should be the amount it would cost to replace your house if it burned to the ground. This amount is often less than you paid for your home, because you also bought the land the home is on. Naturally, you typically don’t insure the land, since it can’t burn down.

    Insurance Deductible vs. Premium



  • House Payment Chart #fha #home #loans


    #home payment calculator
    #

    House Payment Chart | House Payment Calculator | Home

    House Payment Calculator

    Welcome to the house payment calculator here at housepaymentchart.com. This calculator is very simple to use. It will figure out the monthly payment on your house or it will figure out any payment due on any common mortgage or loan. Yes, it can definitely be used to figure out the payment on a car loan as well.

    The monthly house payment calculator below will calculate the amount that will be due each month for your principal and interest due for that particular month. Of course, most monthly payments due on a mortgage will include an escrow amount the bank will withhold monthly so they can pay your property taxes and homeowners insurance.

    A fairly common amount to withhold is about $300 monthly. So, to be 100% accurate about what your monthly payment on a given mortgage would be, you will have to find out how much the bank will withhold monthly to go toward your homeowners insurance and your city or town’s property tax. If you don’t know what this number is, simply add 300 to the number calculated in the box marked Monthly House Payment.

    Alternately, you could find out how much taxes you will be paying per year on your home and how much homeowners insurance you will be paying per year and add these numbers together. Then you can divide this number by 12 and you will know how much money to add onto the number that will be calculated below in the Monthly House Payment box.

    There is one more calculation that is made by the House Payment Calculator. This number is shown in the box below the Monthly House Payment box. This shows the total amount that you will have paid if you have paid off your mortgage in full for the full term of the mortgage.

    In other words, if you take out a 30 year mortgage, the number shown in this box will show you how much all your monthly payments together add up to. Basically, this number shows how much money you’ve actually wasted in paying interest due. It will show you the importance of getting the lowest interest rate you can.

    The reason it will show you this is because you will quickly see that the difference between paying 7% on a mortgage and 5% on a mortgage could be hundred thousand dollars or so. Try it out; you may be very surprised!

    As we have stated before, this calculator is simple to use but there is one thing you must look out for. This is the number of payments box. Remember to put the number of payments you have left on your mortgage in this box. If you are gathering together information to see how much you will be paying monthly on a 30 year mortgage, remember to put 360 in this box instead of 30.

    Of course, a 15 year mortgage would be 180 payments and the number you would enter in this box for 20 year mortgage will be 240. The reason the calculator has been designed this way is so that anyone can figure out what the monthly payment is on the mortgage that is already started.

    For instance, if you’ve been paying your mortgage for 5 1/2 years you will have already paid 66 payments. Therefore, if this is a 30 year mortgage you will enter 294 in this box. This is because 294+66 equals 360.

    Amount of the mortgage

    (Please don’t include commas) $

    Yearly interest rate %

    Number of payments

    (For example; 360 = 30 years,

    240 = 20 years, 180 = 15 years.)



    How to get a loan to buy a site and build a house #legal #loans


    #getting a loan
    #

    How to get a loan to buy a site and build a house

    Tags:

    Most banks offer loans to people who wish to buy a piece of plot to construct their dream home. Available to salaried and self-employed people and also to NRIs, land loans enable you to purchase a residential plot of land.

    WHAT TYPE OF LAND CAN BE PURCHASED?

    IS IT SUITABLE TO YOU?

    There are a few factors that influence an individual’s decision to construct his house himself. The price situation is one. Investing in a plot and building a house yourself can at times be less expensive. Also, you can pace the construction to suit your finances and economic constraints. Building an independent home enables the owner to implement his creative ideas in design and colour schemes. Further, you have the flexibility to postpone major expenses, improvements and expansion to a later date.

    HOW DIFFERENT IS IT FROM HOME LOAN?

    The rate of interest charged on a land loan is on a par with the rate charged on a home loan. Unlike home loans, you cannot claim income tax deductions on interest paid on land purchase loans. When you take a loan for construction on the site, you become eligible for tax break. Here you can claim tax benefits on both loan for land purchase and loan for house construction. Tax deductions will be applicable only in the year in which the construction is completed after submission of completion certificate from authorities concerned.

    DOWN PAYMENT

    People who seek a loan to buy a plot have to pay a larger down payment. The loan-to-value (LTV) ratio is often as high as 70%. Usually, a person seeking a home loan has to make arrangements for only 20% of the cost of property.

    DOCUMENTS NEEDED

    It is prudent to hire the services of a lawyer to verify legal documents associated with the plot of land. Verify the layout drawing of the site as approved by the town planning authority, and no encumbrance certificate of the land. Other property documents include original documents pertaining to ownership of land, revenue receipts, land records and tax receipts.

    SOME DOCUMENTS YOU NEED WHILE APPLYING FOR A LAND LOAN:

    Original site ownership documents, tax receipts for taxes paid by the owner, layout drawing, revenue receipts. no objection certificate from society for sale and transfer of land, and no encumbrance certificate for the land.



    100% USDA Home Loans For Buying A House With Bad Credit With No Money Down #business #financing


    #usda home loans
    #

    100% USDA Home Loans For Buying A House With Bad Credit With No Money Down

    Posted on 07/22/2010 10:22:45 AM PDT by Lorianne

    Rural Home Loans For People With Bad Credit And Single Mothers __ The USDA Farm Home Loans program provides low interest fixed monthly mortgage payment terms to help low and moderate income households afford a house of their own to keep the family together. In such difficult economic conditions, such rural home loans from the United States Department of Agriculture, Rural Development Branch, can offer better credit flexibility compared to traditional lenders in the troubled and sluggish housing and lending market.

    Do not be too put off by the rural home loans name of this program since many semi-rural properties just outside city limits also fall within the USDA farm home loans eligibility and will not seriously affect your transport options and commuting time to work or schools in the city and business district.

    Farm Home Loans – Buying A Rural House With Bad Credit

    That is a small price to pay in return for 100% mortgage financing and no down payment home loan financing under this USDA rural development farm home loan program. Lack of funds for down payment towards buying a house is the biggest problem faced by many low and middle income families in the country.

    USDA Rural Residential 100% Financing

    With the new Housing Rescue Bill passed in 2009, seller funded down payment assistance and zero down FHA mortgage lending are banned, leaving many bad credit home buyers that cannot meet the minimum 620 FICO score guidelines and down payment limits without any options.

    However, many do not realize that it is still possible to buy a house with no money down via USDA farm loans. You can now avoid home ownership problems by borrowing up to 100% of the latest appraised value of the house you have in mind that falls within the USDA rural housing districts.

    USDA Rural Farm and Housing Loan Qualifications The USDA Guaranteed Home Loan has a fairly easy and prompt approval process, and the available federal funds for this rural housing service program are not facing any shortages so far. Compared to FHA house mortgage loans, there are no monthly PMI private mortgage insurance necessary and only a 2% upfront fee is charged which can be financed by the loan as well.

    You get a 30 year low interest fixed rate rural mortgage with zero early prepayment penalty. The government underwrites and guarantees all USDA rural home loans made by the private lenders such that they will be reimbursed in the event that any borrower defaults on the repayment. As with the usual FHA arrangement, house buyers work with approved USDA home loan lenders directly while the government plays the role of the guarantor and underwriter. Monthly mortgage repayments are thus made directly to the lender and not the USDA.

    How Can I Apply For A USDA Home Loan With Bad Credit And No Down Payment? This USDA housing loans assistance program has quite lenient loan requirements compared to private and even the latest FHA mortgage guidelines. Although you need to demonstrate a stable employment record for the past two years and your income must meet the relevant limit guidelines on the area where you intend to buy a house with USDA farm loans, there is no minimum FICO credit score requirements to be concerned with.

    The given USDA rural development loans can be used on buying new houses, existing homes, new construction and home improvement projects. Although the USDA rural development loan rates are very low, note that all repairs, renovations or new constructions must be done by a licensed contractor if you intend to do 100% USDA home loan financing.

    Finally, all the upfront fees and USDA closing costs can be financed by the seller, with 100% gifting arranged allowed such that borrowers do not need to come up with any minimum cash contributions. If you are a first time home buyer or have not owned a home over the past three years, the USDA home loans also allow you to use the Housing Rescue Plan HR3221 bill to buy a new home with no money down and still get up to $7500 of tax rebates. This tax credit must be paid back over a 15yr period at $500 a month interest free starting the following year.

    USDA Rural Home Loan Rates Based on current USDA rural home loan rates and the median rental costs in the same sub-rural residential area, you can buy a home with appraised value of $175,000 that costs just as much as if you were to pay for rentals. Many families have to use a large portion of their income for rental property and never get to fully own a house of their own due to problems coming up with the down payment.

    With 100% USDA home farm loans, these low income families can now truly buy a home with no down payment and on low mortgage interest rates. The exact USDA home loan rates offered is determined on a case by case basis depending on the total income of the borrower and financial status of the household.

    For example, a single mother with 3 dependent children can expect as low as 1% USDA home loans rates under the government subsidized mortgage program. For families with higher income or two working parents, the rates are still very competitive compared to private mortgage loan rates.

    Note that applying for farm loans does not mean you will be living like a farmer, giving up on convenient amenities in the city and quiting your office job to start growing apples. Most sub-rural properties that meet the USDA loan eligibility locations are not more than 30 minutes drive from the nearest major cities.

    You get to enjoy living in less densely populated areas and the USDA rural development loan will also finance land up to five acres. Before you buy a new manufactured home and land package, their staff will also help you inspect the property in detail for to make sure it is built according to safety specification codes.

    Buy A House With No Money Down With 100% USDA Home Financing Farm Equipment Loans

    If you have been denied from other government assisted mortgage loan programs due to poor FICO credit score or lack of funds for the down payment, upfront fees, mortgage closing fees etc, you should seriously consider applying for USDA rural development loans instead of continuing to pay money on rentals as tenants. Many households have already benefited from being able to buy a house with no money down using 100% USDA home loans financing and more families are starting to join the program.

    Shirley Sherrod: Department of Agriculture has more money for low-income housing loans than ever

    http://freerepublic.com/focus/f-bloggers/2556897/posts

    Georgia gets another $30M for home loans http://www.effinghamherald.net/news/article/11046/

    http://www.freerepublic.com/focus/f-news/2555580/posts

    USDA Rural Development s direct loan program has many positive features including 100 percent financing and low-interest rates. House payments are based on household income. The program also has built in provisions, for example, so that down the line, if someone loses their job, mortgage payments can be deferred and rolled into the end of the loan. This provision is only available to Rural Development borrowers after the loan has closed and isn t available to families that have homes from other lenders.



    How Can You Refinance Your House and Your Car Payment in the Same Closing? #unsecured #personal #loans


    #refinancing car loan
    #

    How Can You Refinance Your House and Your Car Payment in the Same Closing?

    by David Rouse

    Ensure you have sufficent equity in your home when combining your home and car loans into one loan.

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  • House Affordability Calculators #home #loan #interest #calculator


    #house loan calculator
    #

    House Affordability Calculators

    How much house can I afford. That is questions that arise when people is planning to buy a new house. When people is looking for a house to buy, there two things regarding financial issues that they usually considered. The first one is the front payment which consist of down payment and closing cost, and the second one is the monthly mortgage payment. They consider these things because they have to see their personal financial situation either they have enough money to pay both payments.

    Usually they consult with their financial advisors or they just go the bank or financial institution to find out whether they can afford to buy a house based on their financial situation. This house affordability calculator will help you to get a rough figure about your affordability on buying a house. But, you have to remember that this is just a tool not a real reference.

    This spreadsheet consist of two worksheets. The first worksheet is a simple house affordability calculator that will calculate house price quickly based on your expected monthly payment. Just fill your targeted interest rate, loan payment period and expected monthly payment and the house price will be revealed with a help of excel built-in function.

    The second worksheet is a more detailed house affordability calculator, as you can see in the first picture, where you have to fill some detail information regarding your financial condition and your budget, your mortgage plan and your bank or financial institution qualification. And based on your inputs, this calculator will calculate the optimum house price based on the closest conditions you can achieve.

    Short description regarding each cells in this worksheet are as follows :

    Income and Debt Expenses

    Gross Monthly Income. Your gross income per month

    Monthly Debt Repayment. Your debt obligation that you have to pay monthly, for example your credit card loan, student loan, car loan etc.

    Down Payment and Closing Cost. I think you know what down payment means. And closing costs are any costs that arise in house transaction, like legal fee, administration fee, taxes etc

    Monthly Payment. This is your expected monthly mortgage payment

    Monthly Housing Costs. These are other housing costs in addition of your mortgage, like insurance, that you have to pay monthly along with paying your mortgage payment

    Mortgage Plan

    Interest Rate. This is your expected interest rate based on bank or financial institution interest rate

    Payment Period. This is the period  (in year) that you plan to payoff your mortgage

    Qualification

    Closing Costs. Check your bank or financial institution qualification for minimum closing costs. I put 5% from house price.

    Minimum Down Payment Required. Check your bank or financial institution qualification for minimum down payment needed.

    Maximum Debt Repayment Allowed. Check your bank or financial institution qualification for maximum percentage of debt repayment allowed from your gross income. The total of your debt repayment + house payment cannot exceed this number.

    Maximum Housing Expense Allowed (%). This number will limit the amount of your monthly expenses that has been budgeted for paying your monthly mortgage.

    After you finished filling the left part of this worksheet, you can see your affordable house price including the detail of down payment and closing cost needed along with allowable monthly payment.

    Use this tool as your rough reference only. You can adjust any numbers inside the worksheet to suit your budget, but always consult with your bank to get more clear information and calculation regarding your house financial issues.

    You can download the file here .



    Lead Management, Landing Pages, Open House Flyers, Marketing, Loan Proposals, Loan Comparisons #payday #lenders


    #www.loan.com
    #

    Lead management software

    Loan Proposals is a web-based lead management, loan proposal and marketing software solution. Check out our features and learn more.

    With dozens of features, there s a lot to love!

    Lead Managment

    Loan Proposals is the perfect tool to manage your pipeline. Track the progress of leads. Distribute leads to a specific user, branch or queue. Create loan proposals and side by side loan comparisons.

    Landing Pages

    Create websites for your loan officers, branches, referral partners and product promotions. Capture leads with secure online applications. Use the same branding as your corporate site.

    Open House Flyers

    Create professional open house flyers complete with up to 4 financing scenarios and 5 subject property images. Fixed and adjustable rate APR calculations automatically performed.

    Marketing Library

    Create a marketing library using your organizations approved marketing pieces. Users can retrieve personalized branded marketing material easily and quickly from one central location.

    Compliance and Security

    LoanProposals.com delivers accurate, effective and compliant solutions. Our software meets all regulatory compliance requirements. In addition, your compliance officer can even set custom disclosures throughout our software.

    The security of your data is extremely important to us. All web server communication is transmitted using 256 bit SSL encryption. In addition, we have both hardware and software protection in place and maintain strict security policies.