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What is a Reverse Mortgage? Understanding the pros and cons of HECM! * Video

What is a Reverse Mortgage?  Understanding the pros and cons of HECM, NEF2.COM


#What #is #a #Reverse #Mortgage? # #Understanding #the #pros #and #cons #of #HECM

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What is a Reverse Mortgage? Understanding the pros and cons of HECM


What is a Reverse Mortgage?  Understanding the pros and cons of HECM, REMMONT.COM


What is a Reverse Mortgage? Understanding the pros and cons of HECM

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How to check the status of tax refund status online in tax filing website? ~ Video

How to check the status of  tax refund status online in tax filing website, NEF6.COM


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How to check the status of tax refund status online in tax filing website


How to check the status of  tax refund status online in tax filing website, NEF6.COM


How to check the status of tax refund status online in tax filing website

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Models of Health and Health Promotion. & Video

Models of Health and Health Promotion, NEF6.COM


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Models of Health and Health Promotion


Models of Health and Health Promotion, NEF6.COM


Models of Health and Health Promotion

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Is Renting Always A Waste Of Money?? # Video

Is Renting Always A Waste Of Money?, NEF6.COM


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Is Renting Always A Waste Of Money?


Is Renting Always A Waste Of Money?, REMMONT.COM


Is Renting Always A Waste Of Money?

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Stages of a Personal Injury Case

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Stages of a Personal Injury Case, NEF6.COM

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Stages of a Personal Injury Case

Accident and injury lawsuits can take many forms, but the basic stages of a personal injury case usually remain constant. FindLaw’s Stages of a Personal Injury Case section provides a basic overview of the different stages of a typical personal injury case, and some information about each stage. In this section, you can also find articles explaining what to expect when meeting with an attorney, what initial court filings are involved, what happens in a personal injury trial, and how to collect on a judgment.

In every lawsuit there is a phase before the trial called the discovery phase. Discovery is the process that allows each side to obtain relevant facts from the opposing side. This process reduces the possibility of surprises during trial and allows each side to prepare fully for the case. The basic methods of the discovery process include written discovery, document production, and depositions.

Written discovery generally consists of interrogatories and requests for admission. Interrogatories are questions that require your version of the facts and your claims in the case. They can be in a pre-printed form interrogatories, or special interrogatories, which are questions specific to your case. The other type of written discovery is a request for admission. Requests for admission simply ask a person to admit or deny certain facts regarding the case. Generally speaking, there are limits to how many interrogatories and requests for admission each side can ask.

Document production is just as it sounds – each side asks the other side to produce documents that are relevant to the case. The documents requested will vary depending on the type of case, but can include anything from business records to medical records. With the advancement of technology, courts have also increasingly allowed computer files as a part of document discovery.

Depositions are another useful discovery tool. In a deposition, a person (who is under oath) answers an attorney’s questions and a court reporter makes a transcript of everything said during the deposition. There are several reasons to depose someone and each attorney has his or her own strategy for depositions. The common reasons for depositions are to lock a person into his or her story, see what the other side has to say, and to see how a witness will appear and conduct him or herself in a trial.

Personal Injury Trial

In a trial, a jury or judge examines the evidence to decide whether the defendant should be held legally responsible for the injuries suffered by the plaintiff. The trial provides the plaintiff the opportunity to present his or her case in the hopes of obtaining a judgment against the defendant. The trial also gives the defendant a chance to refute the plaintiff’s case. A full personal injury trial consists of the following phases:

  • Selecting a jury
  • Opening statements by each side
  • Witness testimony and cross-examination
  • Closing arguments by each side
  • The judge giving jury instructions
  • Jury deliberation and the verdict

It’s important to note that a majority of personal injury disputes are resolved before trial through informal settlement negotiations, alternative dispute resolution, or dismissal of the case.

Hiring a Personal Injury Lawyer

If you’ve been injured and you believe that someone else is responsible for your injuries, you might want to contact a local personal injury attorney to discuss your legal options. In order to make sure you don’t exceed the time limit for filing a personal injury lawsuit, it’s important to contact an attorney soon after being injured.

Learn About Stages of a Personal Injury Case

Learn what will likely happen when you meet with a lawyer — including information the attorney will want to know and details on how things proceed should he or she take your case.

Your attorney should explain each step, but here you can learn basics on Complaints, Answers, and other motions involved at the beginning of a lawsuit.

Find out about “discovery” — the process by which opponents in a lawsuit get information from each other to establish facts in the case.

Many cases get resolved by Motions to Dismiss and other motions which ask the court to cut the case off before trial.

Far more injury lawsuits settle than go to trial. Learn the basics of settlements, as well as factors you should consider.

Trials are not like those shown on TV. Find out what really happens — from jury selection, to opening arguments, witness testimony, closing arguments, and all the way to a jury’s verdict.

Winning at trial is not final victory. Collecting on a judgment often requires work. Find out what you should keep in mind when looking to collect.

Learn how appeals work — including the differences between trials and appeals, what gets into the “record on appeal” and what happens afterward.


Accredited Online DNP Program in Executive Leadership

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Accredited Online DNP Program in Executive Leadership, NEF2.COM

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Online Doctor of Nursing Practice (DNP) Program in Executive Leadership

Our ACEN-accredited online Doctor of Nursing Practice (DNP) program with a specialization in executive leadership prepares master’s-educated nurses to immediately step into healthcare leadership roles. With an emphasis on relevant curriculum, students examine legislative policy issues and economics, improve their critical thinking skills and develop into more marketable leaders. Our online DNP program is ideal for executives and managers who currently hold or intend to pursue executive leadership positions in healthcare organizations during their careers. Students also benefit from interactions with nursing leaders from top U.S. healthcare organizations around the country such as Mayo Clinic, Johns Hopkins, Cleveland Clinic, UCLA Medical Center, Geisinger Health System and Spectrum Health System.

Flexible and Fast Program

  • Program is only 28 months long with rolling admission
  • Year one: four day residency, we pay for your stay; year two: two-day virtual residency
  • Schooling is 100% online except for one short, four-day residency in Aurora, CO

Affordable Tuition So You Can Earn Your DNP, Debt-Free

Relevant Curriculum

  • Our DNP leadership program in executive leadership program develops five key competencies: Leadership, Business Intelligence, Finance, Health Policy, Health Services Research
  • The curriculum is kept up-to-date so students are prepared to deal with current issues in healthcare. Our program is fully accredited by ACEN, an accreditation valued by leading healthcare organizations.

DNP Executive Leadership Course Highlights

Our rigorous curriculum covers a breadth of issues in nursing and health care, giving nurses the foundation and skills to lead their organizations. Here are a few of the courses for the online DNP program:

  • Leadership: Setting the Example (N700PE): Focuses on executive leadership in a dynamic health care environment. Students explore leadership theory and take into account organizational culture and governmental complexities.
  • Healthcare Finance (N720PE): Covers economic ideas and models in the health care realm, and provides students a working knowledge of the analytical tools used in contemporary health care.
  • Health Services Research (N725PE): Students learn about a variety of health services research types and review studies to learn about quality research design.
  • Strategic Planning (N760PE): Focuses on the organizational and institutional processes of defining an overarching strategy or direction for the organization, including decisional support for allocation of resources. Topics include tools to determine directions, strategies and courses of action. This course includes 75 hours of practice experience activities.
  • Capstone Project (N740PE, N765PE and N770PE): This three-part capstone of the online doctorate nursing program begins with the identification of a problem statement and purpose statement, moves into the development of a research proposal and culminates with the implementation and analysis of the project. Students defend their final project to a committee, members of nursing leadership, and the public.

DNP Executive Leadership Program Takeways

What You’ll Get

  • Real-world solutions for your organization’s challenges
  • Connections to peers at leading organizations around the country
  • A deeper understanding of leading the next generation of nurses
  • A professional headshot

What You ll Learn

  • Appraise the needs of complex organizations as they go through strategic decision making and change implementation.
  • Critique roles of leaders and collaborators in planning, providing, and evaluating healthcare.
  • Generate strategic plans for organizational change by utilizing theoretical knowledge, meaningful data, and evidence-based practice while being culturally and ethnically sensitive.
  • Summarize meaningful data that informs leadership using information technology.
  • Design health policy that considers environmental social justice, consumer and other issues.
  • Create new models to explain, predict, and improve the performance of organizations.
  • Explain the role of healthcare finance in the health of an organization.

Program s Mission

The mission of the DNP program is to prepare highly qualified nurse leaders and nurse educators to serve in competitive health care and higher education settings.

Practice Experiences: A More Active Way to Learn

The online DNP program at American Sentinel University contain practice experiences. This is done to meet the accreditor requirement that RN to BSN, RN to MSN, MSN or DNP programs include practice experiences in the curricula to enable students to achieve the required educational competencies (AACN White Paper, Oct. 2012; DNP Essentials for Doctoral Education for Advanced Nursing Practice, 2006; ACEN 2013 Standards). These practice experiences have specific objectives, expected outcomes and competencies.

Practice experiences are not like the clinical experiences you completed to obtain your degree as a registered nurse. Practice experiences do not involve hands-on patient care. They are designed to provide you with the opportunity to apply the concepts and knowledge you learn in the nursing courses. Practice experiences are an opportunity to get away from traditional reading and writing assignments; instead these assignments are replaced with more active assignments.

Why Choose American Sentinel Over Other Schools?

Flexibility

  • DNP leadership classes are online and designed for working professionals, giving you the convenience and control to participate in classes around your busy schedule.
  • Classes are only eight weeks in length.

Personal Support

  • MySentinel® Student Support is our distinctive personal approach to helping students succeed. As a DNP student, you will work exclusively with our fantastic student success advisors, Adam and Jessica, who will help guide you through graduation.

Affordability

  • Our competitive tuition rates, various payment options and DNP Travel Assistance Program allow most of our students to graduate debt-free

A Track Record of Proven Student Success

  • We have educated students at some of the top healthcare organizations in the country: Mayo Clinic, Cleveland Clinic, Geisinger Health System, Johns Hopkins University, Kindred Healthcare, and the list goes on. These students along with thousands more have achieved personal goals, and new positions with their DNP, executive leadership specialization from American Sentinel University.

In-person Residency

  • Meet faculty and peers that will become your support team through graduation and beyond. We invite you to learn more about the DNP Residency .

Are You Eligible?

The program is open to nursing managers who hold a master’s degree, a BSN and an unencumbered RN license and have a minimum of one year full-time work experience in a nursing executive or management/ leadership role within the last five years. Nurses in this specialization are not required to have/earn an MSN, so we offer three options:

  1. Nurses that have an MSN (direct enrollment in the DNP program)
  2. Nurses that have a master’s in another discipline (e.g. MBA, MHA, MPH, or MEd) and want to earn an MSN and DNP
  3. Nurses that have a master’s in another discipline but do not want to earn an MSN, just a DNP
    • Applicants with a non-nursing master’s complete three bridge courses and 400 total hours of practice experience, and then complete the DNP program. An MSN is not earned in this program. (We highly recommend that if the student wants to teach, they choose the MSN option.)
    • Please visit the Bridge-Course and Practicum Workshop page for course details.


Making a Business Card Holder out of Wood! ~ Video

Making a Business Card Holder out of Wood, NEF6.COM


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Making a Business Card Holder out of Wood


Making a Business Card Holder out of Wood, REMMONT.COM


Making a Business Card Holder out of Wood

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About mesothelioma

#mesothelioma #of #the #pleura


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About mesothelioma

Find out about who gets mesothelioma, where it starts and how common it is.

What it is

Mesothelioma is a cancer that most commonly starts in the layers of tissue that cover each lung (the pleura). More rarely it starts in the layer of tissue in the abdomen that surrounds the digestive system organs (the peritoneum).

How common it is

In the UK more than 2,600 people are diagnosed with mesothelioma each year. It is quite a rare cancer, but it is becoming more common.

Mesothelioma in the chest (pleural mesothelioma) is much more common than mesothelioma in the abdomen (peritoneal mesothelioma).

Who gets it

About 5 times more men than women get mesothelioma. This is probably because it is often caused by exposure to asbestos at work.

In the UK, on average each year half (50%) of cases were diagnosed in people aged 75 and over.

Where it starts

Mesothelioma starts in the types of cells that cover the outer surface of most of our internal body organs (mesothelial cells). These cells form a lining called the mesothelium.

About three quarters (75%) of mesotheliomas are in the chest. This is called pleural mesothelioma.

About a quarter (25%) of mesotheliomas are in the tummy (abdomen). This is called peritoneal mesothelioma.

The lungs and pleura

Pleural mesothelioma starts in the two sheets of tissue that cover your lungs (called pleura or pleural membranes). The gap between the pleura is called the pleural space.

These sheets help to protect your lungs. They also make a fluid that helps them slide over each other when your lungs expand and deflate as you breathe. The gap between these sheets is called the pleural space.

The sheet of tissue covering the heart (the pericardium) is very close to the pleura. So in some people pleural mesothelioma may also spread into the pericardium. The diagram below shows the pleura thickening due to mesothelioma.

The abdomen and peritoneum

The sheet of tissue covering the organs of your tummy (abdomen) is called the peritoneum. It helps to protect the contents of your tummy and keep them in place. It also makes a lubricating fluid that helps the organs inside move smoothly against each other as you move around.

Mesothelioma of the tissues lining your abdominal cavity is called peritoneal mesothelioma. It does not usually spread to other parts of the body.

Benign mesothelioma

Very rarely, a non cancerous (benign) type of mesothelioma can develop in the lining of your lungs or the lining of your reproductive organs. This can happen in men and women. These tumours are so rare that we don’t cover them here.

Information and help

Cancer research information


Cost of LASIK Eye Surgery – Can You Afford It?

#cost #of #lasik #eye #surgery #in #pa


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Cost of LASIK Eye Surgery? You Can Afford It!

The LASIK Vision Institute® makes LASIK eye surgery affordable.

If you are considering a LASIK procedure, you may be wondering, What is the cost of LASIK surgery? Will I be able to afford a LASIK treatment? The cost of LASIK surgery will vary depending on the procedure that is right for your vision correction.

The LASIK Vision Institute strives to offer some of the most competitive rates and transparent pricing to make your cost of LASIK surgery clear-cut and up front. There are many options that help make LASIK eye surgery more affordable for you.

The LASIK Vision Institute® offers:

Clear LASIK Pricing – We provide a clear, predictable LASIK price that is relative to your eye prescription and laser eye surgery needs. This price is reviewed at your FREE LASIK Evaluation/Pre-operative exam*. With our up front pricing, you will not be left wondering what you will pay, nor will you be taken by surprise by an inflated bill following a procedure!.

Financing – At The LASIK Vision Institute, we have a variety of options that fit most budgets. We will work with you to help you choose the best financing option for your needs. It takes minutes to see if you qualify for financing, and over 90% of our patients qualify for our affordable financing options. We offer low monthly payment options that fit seamlessly into your budget. Additionally, some programs feature no money down!

Combine our affordable financing with your resources.

In addition to your financing options through The LASIK Vision Institute, there are other options you can explore to help reduce the cost of LASIK surgery. Consider whether any of the following options may apply to you:

Flexible Spending Accounts (FSA) – Do you have a flexible spending account through your employer? Many patients use these tax-free funds and apply them to the cost of LASIK eye surgery. Once you complete your Free LASIK Evaluation /Pre-operative exam*, you can decide how much you would like to contribute from your flex spending or saving program.

Health Savings Account (HSA) – Do you have money set aside for health care expenses? Health saving accounts can be used to pay for medical expenses without the funds being subject to income tax. After your Free LASIK Evaluation /Pre-operative exam*, you can decide how much you would like to contribute from your HSA toward your LASIK surgery.

Insurance Coverage Discounts – Many patients are eligible for a discount on LASIK procedures from their companies vision or health plans. The LASIK Vision Institute also offers an insurance matching discount! LVI s insurance match program will match the insurance discount benefits up to 20% of the cost of the procedure. (Cannot be combined with other offers) Check with your company s Human Resources department or with your insurance provider to see if your plan provides a discount for LASIK surgery. Learn more details from our LASIK Specialists at your Free Evaluation.

Tax Refunds – many patients put aside money they are getting back to invest in improved vision. This is a great way to offset the cost of LASIK surgery with unfound money.

The LASIK Vision Institute provides Better Vision at a Better Value.

At The LASIK Vision Institut e, our LASIK vision correction is safe, easy, and affordable. You too can see why hundreds of thousands of patients have chosen The LASIK Vision Institute for better vision at a better value. There is no reason to wait. Schedule a Free Evaluation today and ask our LASIK Specialists for more information on the cost of LASIK.

*Prices based on prescription: up to -1.00 $299, -1.25 to -2.0 $1099, -2.25 and up as well as all hyperopic and/or greater than -0.50 diopter of astigmatism $1799. Individual results will vary. Candidacy determined by an independent doctor located within or adjacent to the LASIK Vision Institute’s (LVI) facility. All procedures performed by an independent surgeon. Punctal plugs, assurance plans and other technologies available at additional cost. This offer may not be combined with other offers. Other conditions may apply. This offer depicts a model who is not an actual patient of LVI. LASIK is a medical procedure. Talk to your eye doctor and consider both the risks and benefits before having your procedure.

Florida Residents: The patient and any other person responsible for payment have a right to refuse to pay, cancel payment, or be reimbursed for payment for any other services, examination or treatment which is performed as a result of and within 72 hours of responding to the advertisement for the free discounted fee or reduced fee service, examination or treatment. Pennsylvania Residents: Please refer to www.lasikvisioninstitute.com for information concerning Pennsylvania’s Credit Services Act.

If you are a resident of Canada and received an email from us, please be advised that this email was sent to you in error. LVI does not have offices or provide services in Canada. We apologize for any inconvenience.


Penn State Online

#master #of #project #management #courses, #penn #state #online #master #s #degree #programs, #penn #state #world #campus


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Courses – Master of Project Management

Based on the Needs of Multinational Corporations

The online master of project management degree is an interdisciplinary, 30-credit graduate program that uses problem-based learning to provide a thorough understanding of all aspects of project management theory and practice. It is designed to meet the needs of companies that are heavily engaged in large-scale projects. Penn State’s team of faculty, headed by Dr. Jeffrey K. Pinto, an internationally recognized scholar in the field of project management, has joined forces with distinguished, multinational firm Rolls-Royce and the University of Manchester to develop a world-class curriculum for companies that require the highest level of expertise in the management of projects.

The master’s degree curriculum allows you to tailor your course work to align with your personal career goals. You can choose 6 credits of electives in a relevant topical area, or complete a research project based on a current project management issue in your organization. The program is structured so that you interact with high-caliber classmates who work in a variety of industries, enabling you to learn from each other and keep those relationships after graduation.

Because the 12-credit Graduate Certificate in Project Management consists of the first four courses of the master’s program, you are able to add a quality credential to your résumé even before you complete the full degree. All students must begin with MANGT 510.

To view sample course syllabi and sample course lessons, view the Course Schedule page and click the schedule number for each course.

See course start and end periods, registration deadlines, and semesters offered. Course Schedule

Course List – Master of Project Management

Master of Project Management Core Courses (24 credits)

A problem-based, interdisciplinary course in project management skills and techniques needed to manage projects in a modern business environment.

Prerequisite: graduate standing

Cost and Value Management

A problem-based course that emphasizes project cost control and teaches students to apply techniques to control projects in business.

Prerequisite or concurrent: MANGT 510

Planning and Resource Management

A problem-based course that addresses techniques for planning the project development process, including securing resources and resource management.

Prerequisite or concurrent: MANGT 510

Commercial Law and Project Procurement

A problem-based course that addresses elements of commercial law and procurement practices and their implications for project management.

Prerequisite or concurrent: MANGT 510


Procurement – Department of Procurement – Contracts – Mississippi State University

#welcome, #homepage, #msu, #mississippi #state #university, #department #of #procurement # # #contracts


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Welcome

The Procurement Contracts Department of Mississippi State University is the purchasing agency of the University. Greater efficiency, both in terms of economy to the Univerisity and service to the departments, is achieved through specialization of purchasing. The purpose of Procurement and Contracts, therefore, is to procure quality supplies and equipment as economically and conveniently as possible.

In the interest of serving the University, its alumni, and the community, Procurement Contracts, in conducting business and discharging its responsibilities, is guided by three primary objectives:

  1. Purchases are to be made in consideration of the objectives and policies of the University, as well as the particular requirements and objectives of the departments.
  2. Maximum, ultimate value for each dollar of the expenditure must be obtained.
  3. Qualified, competitive bidders must be given equal consideration and opportunity to bid on the University’s requirements.

Please use the links below to access more detailed information on the following topics.

Official Policy Statement

Procurement and Contracts has the sole authority to order supplies, materials, and equipment, and to obligate the University for contractual services with the exception of books purchased by the Library. The University will assume only those obligations evidenced by a previously issued and duly authorized purchase order or a purchase properly made using a duly authorized Procurement Card.

Contact Information


Inventory Management, Inventory Control

#usage #of #an #item,inventory #management #inventory #control,stock #also #safety #stock,safety #stock #also #safety,stock #that #is #maintained,demand #of #an #item,item #during #the #replenishment,stock #of #an #item,analysis #abc #analysis,inventory #systems #inventory,apply #for #jobs,supply #chain #inventory,inventory #classification #inventory,inventory #management #inventory,management #inventory #control,analysis #of #inventory,inventory #management,abc #analysis,inventory #control,xyz #analysis,safety #stock,management #inventory,mrp #system,chain #inventory,inventory,management,stock,analysis,control,demand,item,abc


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Inventory management is one important aspect of the total management of an enterprise. It is ultimately the responsibility of the top management to achieve trade offs among marketing, finance, production and other functions so as to obtain, as far as possible, an optimized and relatively balanced trade off so as to maximize the overall performance of the enterprise.

This has to be not only in the short-run but also keeping the long run interests

of the Company in view.

Inventory Management refers to maintaining. for a given financial investment, an adequate supply of something to meet an expected demand pattern.

It thus deals with determination of optimal

policies and procedures for procurement. In business management, inventory consists of a list of goods and materials held or available in stock.

Management of inventory or Inventory management is all about handling functions related to the tracking and management of material. Inventory management is very important in the case of Production Oriented Enterprises. However, it is also relevant for the Service Sector. In India, the emphasis in the early years was on production and on acquiring the skills and capability to manufacture a host of items required to meet the vast need of the country which had just achieved independence and had embarked on a program of industrialization. Therefore, attention got focused on marketing and on profitability.

However, now there is a gradual appreciation of the need to keep our enterprises profitable. R D, Corporate Planning, Productivity, etc. are tightly getting their due importance.

In simple terms, productivity is the positive relationship of output viz-a-viz inputs. Inventory management can be considered an important facet of output input management.
This includes the monitoring of material moved into and out of stockroom locations and reconciling


How Much Does a DUI Cost?

#cost #of #a #dui #in #california


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Cost of a DUI

Remember that these fees are the least you would pay. They don t include hospital care for the person your teen hurt, the emotional and physical costs, the inability to get a job because of the DUI record, or the award from any lawsuit resulting from a death. All together, those costs could total millions of dollars.

The time spent dealing with the consequences resulting from a DUI is time lost in a teen s life, keeping your teen from reaching his or her goals. Here s the time breakdown.

Time spent dealing with the consequences resulting from a DUI

Average time of license suspension

3 months for adults, 12 months for teens

Average time in jail

Plus, can you imagine your teen being handicapped or maimed? Suffering a lifetime of guilt and pain because of harming or killing someone? Having trouble getting a good job or getting into college because of a DUI conviction?

In a nutshell, your teen s drinking and driving could cause you to:

  • Pay fines and fees of more than $55,000;
  • Pay huge increases in insurance premiums;
  • Pay for a costly and time-consuming alcohol abuse program for your teen; and
  • Have a teen with a criminal record for a DUI .

DUI penalties for those 21 years and older also can be severe. They include:

  • Mandatory jail time;
  • Substantial fines and fees;
  • Suspension or revocation of driver s license;
  • Restrictions on when and for what purposes one may drive;
  • Being assigned to an alcohol or drug treatment program;
  • Installation of an ignition interlock devise on a car; and
  • Impoundment of a car.

A first DUI offense requires an adult offender to be:

  • Jailed for at least 48 hours;
  • Fined substantially;
  • Restricted to driving only to and from work or an alcohol treatment program;
  • Ordered to attend a three-month or six-month alcohol treatment program;
  • Required to file proof of insurance with the Department of Motor Vehicles; and
  • Required to have an ignition interlock device (IID) installed on one s vehicle. The person must blow into the IID to check his or her BAC each time the car is started. Maintenance costs for the IID are paid by the offender.

2017 Administrative Office of the Courts


National Poison Data System

#history #of #data #centers


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National Poison Data System

NPDS has more than 62 million exposure case records and product-specific data about more than 420,000 products going back to 1983. NPDS can track poison exposure outbreaks across the country and in many situations can initially detect them by automatically applying analysis algorithms or by using a methodological manual search paradigm in analyzing exposure call volume and clinical effect trends. These methods can be utilized for all common poisonings and toxic environmental concerns, as well as a wide variety of non-common occurrences ranging from food or drug contamination to biological warfare agents. The intent of these ongoing toxicosurveillance activities is to isolate and focus on events of public health significance.

Case data are continually uploaded to NPDS from all AAPCC member poison centers currently every eight minutes, providing a near real-time snapshot of poisoning conditions nationwide.

All AAPCC member poison centers use electronic health record collection systems with mandatory common data elements and reporting requirements. During normal AAPCC member poison center operations, data are entered by staff in real-time as cases are being managed.

Poison Data

Press Releases

Find Your Local Poison Center

Poison centers offer free, private, confidential medical advice 24 hours a day, 7 days a week. You can reach your local poison center by calling 1-800-222-1222.


ALLOWABLE SETTLEMENT FOR DIFFERENT STRUCTURES

#foundation,geotechnical #engineering,settlement #of #foundation


ALLOWABLE SETTLEMENT FOR DIFFERENT STRUCTURES

Allowable Settlement for different structures:

The allowable settlement is defined as the acceptable amount of settlement of the structure and it usually includes a factor of safety. The allowable settlement depends on many factors, including the following:

The Type of Construction For example, wood-frame buildings with wood siding would be much more tolerant than unreinforced brick buildings.

The Use of the Structure Even small cracks in a house might be considered unacceptable, whereas much larger cracks in an industrial building might not even be noticed.

The Presence of Sensitive Finishes Tile or other sensitive finishes are much less tolerant of movements.

The Rigidity of the Structure If a footing beneath part of a very rigid structure settles more than the others, the structure will transfer some of the load away from the footing. However, footings beneath flexible structures must settle much more before any significant load transfer occurs. Therefore, a rigid structure will have less differential settlement than a flexible one.

Aesthetic and Serviceability Requirements The allowable settlement for most structures, especially buildings, will be governed by aesthetic and serviceability requirements, not structural requirements. Unsightly cracks, jamming doors and windows, and other similar problems will develop long before the integrity of the structure is in danger.

Table below shows the allowable foundation displacement into three categories: total settlement, tilting, and differential settlement. It indicates that those structures that are more flexible (such as simple steel frame buildings) or have more rigid foundations (such as mat foundations) can sustain larger values of total settlement and differential movement.

Type of Settlement


Online MBA Human Resource Management Concentration

#masters #of #human #resource #management, #online #mba #human #resource #management


Human Resource Management Concentration

Gain the skills and experiences to become a successful HR manager with the School of Business’ online M.B.A. with a concentration in human resource management.

Emerge with an understanding of business, functional operations and decision processes as they relate to the management of human resource.

Human resource management concentration courses explore:

-Concepts, processes and issues associated with training and development

-Administrative and personnel law

-Recruitment and staffing models, policies and legal compliance, as well as practices related to attraction, selection, development, retention and employment decision-making

-Direct and indirect compensation design, development, implementation, administration and evaluation

-You will also achieve a broad background in business through general M.B.A. courses including those that address:

  • Core business management functions
  • Oral and written business communication
  • Effective team membership and leadership in work partnerships and cross-functional collaborative efforts
  • Ethical, economically responsible business decisions in the context of a diverse set of stakeholders
  • Business implications of the new economy and applying widely used technologies to management issues

    In addition to the analytical tools and technologies necessary to solve complex management problems, our M.B.A. program emphasizes leadership skills within Saint Leo University’s core values and traditions.

    Our online M.B.A. is accredited by the Accreditation Council for Business Schools Programs (ACBSP) and the International Assembly for Collegiate Business Education (IACBE), professional accreditors for business programs in student-centered colleges and universities throughout the world.

    Degree Requirements

    M.B.A. students take up to two courses per eight-week term. Students can complete the 36 credits required for graduation in as little as one year, or may extend their studies for as long as five years. You may start the Saint Leo M.B.A. program at any of the six terms each year, and—with director approval—can pursue up to two M.B.A. concentrations concurrently.

    Business Core (21 credits)

    MBA 525 Professional Development 3

    This course is designed to give MBA students a tangible head start in acquiring and honing numerous core skills essential for success in the MBA program and the business world. The emphasis will be on the development of professional skills and perspectives, such as business writing, coaching and counseling, conflict resolution, effective business protocol, interviewing, intercultural awareness and sensitivity, negotiating agreement, and public speaking.

    MBA 530 Organizational Behavior 3

    This course is an advanced introduction to the major theories and issues in the study of human behavior in work organizations. Included are the topics of perception, motivation, leadership, job satisfaction, group dynamics, stress, organizational climate, and communication processes. Organization theory and design concepts are also incorporated to give the student a more complex framework for managerial decision making.

    MBA 540 Managerial Economics 3

    This course explores the concepts of economic optimization, the estimation of demand, and cost and pricing analysis. An introduction to economic forecasting and decision making under conditions of risk and uncertainty is also included.

    Prerequisites: Undergraduate course in economics strongly recommended.

    MBA 560 Financial and Managerial Accounting 3

    This course focuses on the study of accounting concepts and standards applicable to presentation of financial information to interested users, structure, uses and limitations of financial statements, and measurement systems related to income determination and asset valuation. The course also considers the discussion of internal and external influences on accounting decisions.

    Prerequisites: Undergraduate course in financial accounting and managerial accounting is strongly recommended.

    MBA 575 Global Business Management 3

    The student will develop an understanding of international/multinational management by examining the challenges and opportunities of operating globally. Emphasis will be on developing an understanding of the complexities of dealing with diverse social, cultural, economic, and legal systems. The role of business in this dynamic world environment will be analyzed.

    Prerequisites: MBA 525, MBA 533

    MBA 565 Marketing 3

    This course considers the operational and strategic planning issues confronting managers in marketing. Topics include buyer behavior, market segmentation, product selection and development, pricing, distribution, promotion, market research, and international and multicultural marketing. Additional fee applies for marketing computer simulation.

    Prerequisites: MBA 525

    MBA 599 Strategic Management 3

    This capstone course integrates knowledge gained in previous graduate business courses. It centers on the theme that organizations achieve sustained success when their managers have astute, timely strategic game plans and they implement these plans with proficiency. Strategic management theory is used in the analysis of case studies of companies operating in the domestic and global marketplace. This course is to be taken in the student’s last term, unless otherwise approved by the Director of the MBA Program.

    Prerequisites: MBA 525, MBA 533, MBA 540, MBA 560 or ACC 504, MBA 565, MBA 570, MBA 575

    Human Resource Management Concentration (15 credits)

    HRA 539 HR Strategic Training and Development 3

    Organizations today are turning to training and development as an option to meet today’s workplace challenges because of complex technologies, a more diverse workforce, industry globalization, and a tight labor market. This course will provide advanced education into the concepts, processes, and issues associated with training and development. Myriad training and development content will be emphasized such as planning, designing, implementing, and evaluating training programs. Attention will also be devoted to broader issues such as employee development and training for specific needs.

    HRA 545 Administrative and Personnel Law 3

    This course is intended to provide an overview of the basic laws governing the employment relationship. The goals of the course are twofold: first, to familiarize students with the many issues and problems confronting employees, employers, supervisors, and human resources professionals; second, to help students in identifying the legal implications of personnel situations that may arise in the business and corporate environment.

    HRA 549 Recruitment, Selection, and Placement 3

    Focuses on processes and conceptual issues related to staffing organizations. Topics include recruitment and staffing models, policies, and legal compliance as well as practices related to attraction, selection, development, retention, and employment decision making for the most effective use of human resources.

    Prerequisites: HRA 545

    HRA 562 Total Compensation 3

    This course is designed to enhance the student’s knowledge of a strategically oriented comprehensive compensation system that would explore both direct and indirect compensation strategic design, development, implementation, administration, and evaluation. This will also include the effects of compensation system design on other HR functional areas, including but not limited to internal and external equity, pay for performance, and benefit administration.

    Prerequisites: MBA 530

    HRA 596 Strategic Issues in Human Resources 3

    This course is designed, as the M.B.A. HR concentration capstone course, to integrate previous HR core best practices into a business partnership by analyzing real-world strategic issues in a cohesive framework that leads to the achievement of organizational effectiveness through enlightened HR management and leadership.

    Prerequisites: HRA 545, HRA 539 or HRA 562

    Elective

    MBA 625 Internship 3

    This is an elective credit course (added on top of the basic MBA courses). MBA students, along with their designated faculty members, arrange for full- or part-time jobs in fields related to their MBA curriculum. Under the guidance of a designated faculty member, students work to enrich their University experience through a paid internship in order to practice Master’s level business skills. Specific competency requirements (and the associated activities) are outlined by the designated faculty member and agreed upon with the internship site representative. The internship must last the entire term for which the student is registered (specific work hours to be agreed upon with the employer and faculty member). At least two site contacts will be completed by the faculty member to ensure that the outlined competency requirements are completed.

    Prerequisites: MBA 525, MBA 550


  • Doctoral Programs

    #harvard #university, #graduate #school #of #education, #education, #innovation, #teaching, #learning


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    Doctoral Programs

    Join a world-class community of scholars and education leaders exploring new frontiers in learning and teaching.

    Doctoral study at Harvard means full immersion in one of the world’s most dynamic and influential intellectual communities. At the Harvard Graduate School of Education, two distinct doctoral programs leverage the extraordinary interdisciplinary strengths of the entire University. The Doctor of Education Leadership (Ed.L.D.) prepares experienced educators for system-level leadership roles in school districts, nonprofit organizations, government agencies, and beyond; and the Doctor of Philosophy in Education (Ph.D.) empowers cutting-edge interdisciplinary research informed by the cognitive sciences, economics, medicine, the humanities, and more.

    Doctor of Education Leadership (Ed.L.D.)

    The Doctor of Education Leadership (Ed.L.D) is a three-year, practice-based program designed to produce system-level leaders in American pre-K-12 education. The Ed.L.D. curriculum mines the vast intellectual and professional resources of HGSE, the Harvard Business School. and the Harvard Kennedy School. and includes a 10-month residency in the third year.

    Doctor of Philosophy in Education (Ph.D.)

    The Doctor of Philosophy in Education (Ph.D.). offered jointly with the Graduate School of Arts and Sciences. provides unrestricted access to faculty and resources at all Harvard graduate and professional schools. This five-year Ph.D. is ideal for conducting groundbreaking interdisciplinary research that directly informs and impacts education practice and policy.

    Doctor of Education (Ed.D.)

    Please note: The Doctor of Education (Ed.D.) enrolled its final cohort in Fall 2013 but continues to equip graduates with the knowledge and skills to have a broad impact in the worlds of policy and practice.

    The Doctor of Education (Ed.D.) degree prepares education scholars and leaders for the 21st century. The program provides rigorous research training that equips graduates with the knowledge and skills to have broad impact in the worlds of policy and practice. Working with premier faculty in the field, students conduct cutting-edge research that addresses the most pressing problems in education. Graduates often assume roles as university faculty, senior-level educational leaders, policymakers, and researchers.

    Research-Based Doctoral Degrees at the Harvard Graduate School of Education

    In the fall of 2014, HGSE transitioned from conferring a Doctor of Education (Ed.D.) to conferring a Doctor of Philosophy (Ph.D.) in Education. The Ph.D. in Education, a joint degree offered in collaboration with Harvard’s Graduate School of Arts and Sciences, replaced the Ed.D. degree to better signal the research emphasis that has characterized the program since its inception in 1921, and to strengthen ties with academic departments across Harvard University.

    Graduates of the Ed.D. and Ph.D. in Education programs receive equally rigorous scholarly training. The requirements for both degrees include coursework that develops both knowledge that reflects the interdisciplinary nature of education and expertise in the range of quantitative and qualitative methods needed to conduct high-quality research. Guided by the goal of having a transformative impact on education research, policy, and practice, our graduates focus their independent research in various domains, including human development, learning and teaching, policy analysis and evaluation, institutions and society, and instructional practice. Graduates of both programs have and will assume roles as university faculty, researchers, senior-level education leaders, and policymakers.


    Doctor of psychology

    #Doctor #of #psychology


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    Doctor of Psychology

    Doctor of Philosophy in Human Services

    Doctor of Psychology

    Master of Arts in Counseling

    Master of Arts in Human Development

    Master of Arts in International Leadership

    Master of Arts in Psychology

    Doctor of psychology

    Location:

    This program is not intended to lead to certification or licensure.^

    See deeper. Achieve the pinnacle of academic achievement with your Doctor of Psychology (PsyD) from University of the Rockies.

    Degree Objective

    In this ultimate curriculum, you will discover how to further the emotional and mental health of your fellow human beings whether you’re in a clinical setting or a modern workplace. Begin by building a knowledge base in the history and systems of psychology. Then you will pursue more advanced courses with research, statistics, and measurement. Finally, demonstrate your expertise by writing your Applied Doctoral Project or Dissertation.

    Specializations

    Click on one of the links to the left to go deeper and specialize in one of psychology’s many specific applications.

    Graduation Requirements

    To fulfill the requirements for the Doctor of Psychology,** you must successfully:

    • Complete program coursework of 62 credits;
    • Earn a minimum cumulative GPA of 3.00;
    • Complete three non-credit In-Residence Workshops*** (online students); and
    • Complete Applied Doctoral Project or Dissertation requirements.****

    Note: The date of degree conferral recorded on the student’s transcript and diploma will reflect the date the student completes all degree requirements. However, release of transcripts, diplomas, and verifications for degrees awarded are contingent upon submission of an electronic version of the Applied Doctoral Project or Dissertation for binding, the Petition to Graduate form, payment of the graduation fee, and payment of any outstanding balances with the University.

    ** There are unique degree requirements for the Doctor of Psychology, Clinical Specialization. Please visit the PsyD, Clinical Specialization page to read its specific requirements.

    ***For the PsyD programs, you are required to attend three In-Residence weekend workshops in Denver, CO. Please refer to these Frequently Asked Questions to learn more about the In-Residence Workshop requirement.

    **** As a requirement for graduation from University of the Rockies with a degree of Doctor of Psychology (PsyD), each student must complete and successfully defend an Applied Doctoral Project (ADP) or Dissertation. The ADP is intended to extend or apply research by examining an issue within a real-world setting for a practical situation, leading to many different forms of studies that are different than the traditional dissertation. An ADP may look a lot like a dissertation study, or it can be a meta-analysis, a program design, program evaluation, a theoretical work, an action research, or a case study. The purpose of the Dissertation is to ensure that the student has mastered the ability to pursue a systematic investigation, which examines significant issues or problems in applied psychology. The Dissertation requirement is also designed to contribute to the student’s knowledge, skills, and research expertise in psychology. Students choose a topic that addresses carefully chosen research questions that the student then investigates with quantitative or qualitative research, with a meta-analysis, or with a program design or program evaluation. Prerequisites, timelines for completion, and attendance requirements for an Applied Doctoral Project and Dissertation, as well as a detailed explanation of each step in the process, are described in the Applied Doctoral Handbook and the Dissertation Handbook.

    Online Schedule

    Your course schedule is flexible. Take online courses one at a time. Online courses are offered in an accelerated six-week format and can be accessed 24 hours a day, seven days a week. Applied Doctoral Project and Dissertation courses and the Doctoral Capstone Seminar are nine weeks in length.

    Faculty

    Your faculty members all have earned doctorates and have recent experience practicing what they teach. At University of the Rockies, both the theory and its practical application are taught. Your instructors will enliven your discussions and enhance your feedback with real-world lessons from their workplace experience.

    ^Licensure Information

    This program of study does not meet, nor is intended to meet, the requirements for professional licensure in the State of Colorado. The Doctor of Psychology program is not a licensure program.

    The Doctor of Psychology program is not a licensure program. University of the Rockies cannot confirm whether its courses or programs meet requirements for professional licensure in your state. For information regarding professional licensure requirements in your state, you should contact the applicable licensing board or agency in your state and determine whether the program meets requirements for licensure in the state where you reside.

    Additional information will be provided to you when you contact the school and during your first term in your program of study. Visit the link below for more information.

    For more information about the educational debt, earnings, and completion rates of students who attended this program, and other important information, please visit http://www.rockies.edu/programdisclosures/index.php?p=opsyds.

    Doctor of psychology

    Doctor of psychology


    PC Study Bible Version 5 Complete Reference Library by Biblesoft

    #theological #wordbook #of #the #old #testament #online


    #

    Pc Study Bible Version 5 Complete Reference Library


    Powerful and easy-to-use features that are perfect for busy pastors, teachers and Bible study leaders

    A collection of more than 300 reference volumes including Bible translations, commentaries, dictionaries, encyclopedias, Greek/Hebrew and other word study references, sermon starters, illustrations and a brand new preaching collection.

    With an emphasis on English as well as Greek and Hebrew resources, the Complete Reference Library is perfect for pastors, Christian education professionals, Sunday School teachers and Bible study leaders. It s packed with more than $3,500 worth of the best content for those who study the Bible primarily with English resources, but want basic original-language tools to enhance their understanding. This Library now includes 23 Bibles seven of which are completely new to Biblesoft libraries.

    I use my copy of the PC Study Bible virtually every working day in my study. I have used Logos and BibleWorks in the past, but now the only one I am using is PC Study Bible . I find it the most helpful, and certainly the most user friendly. It is a pleasure and blessing to use the program. Thank you.

    R. Larry Overstreet
    Professor Emeritus
    Northwest Baptist Seminary
    Tacoma, WA

    “Hey! I love the new software, very easy to use. I’ve had Biblesoft for years and it has never let me down. Love the Greek add-ons and looking forward to you adding more to an already great software. Thanks very much!”

    Nathaniel H.
    Duncanville, Texas

    “I have used PC Study Bible for many years – Versions 2, 3 and 4 – and have just upgraded to Version 5. It’s absolutely the best in any type of Bible study program. Thank you so much for allowing me the privilege of using PC Study Bible .”

    “Very nice and neat and you don’t have to look around for 10-15 minutes to find what you want. Good work, thank you.”

    “I have tested other Bible programs and find that PC Study Bible is the most straightforward and helpful program I have ever seen. I can’t say enough about it!”

    “I’ve used this system for several years, now that I have purchased Version 5 Professional I almost feel its the only program I need. It’s great. I think it will take quite a while to go through all this material.”

    “I just loaded my update tonight and finished a lesson in my Kay Arthur Precepts class — and I am so impressed with the new features of this version! I have not yet even begun to find all the conveniences embedded in this new update, but am surely looking forward to just that. It is such a joy and blessing to use this program for my Bible study. Thanks for all the work this program represents.”

    “I just want to praise the Lord for Biblesoft. Thank you so much for Version 5. It is awesome. Being a Pentecostal Minister, I just ordered the Pentecostal Library. Thank you so much for having this add-onGod bless you and Thanks a bunch.”

    “Just a thank you for the Version 5 format. I didn’t really like the 4.2 and almost went to another program. I took a chance with Version 5 and I LOVE IT – KEEP UP THE GOOD WORK. “

    Ron S.
    Currently living in England

    “Just a word to praise your efforts on the new version 5. It is a tremendous improvement over previous versions, especially in regard to language use. I have three other bible software programs which I use, yours is head and shoulders above the others. Thank you. Thank you. Thank you!”

    “I love Biblesoft, and can’t imagine doing my computer work as a Seminary professor and Pastor without it. Recently, I found my first Biblsoft 5-1/4 floppy disks cleaning a storage room. The box was dated 1988 – I guess we’ve been working together a long time. I have recently updated to the version 4.2B Advanced Reference Library, and find it wonderful (my sixth major upgrade, I think.). For sixteen years I have been singing your praises to parishioners and students. Thank you for producing and improving PC Study Bible. Your work makes my work for God’s Kingdom much, much easier. I just want to offer an overdue thanks. May God continue to richly bless you!”

    Dr. Brad Strait
    Senior Pastor, South Fellowship Church, Adjunct Professor of Leadership, Denver Seminary,
    Chaplain of the House, Colorado House of Representatives

    “I have been using PC Study Bible since version 2 for preparing my Adult Sunday School class lessons. Before PC Study Bible . I had a stack of books 3 feet high. It took more time looking things up than it did to actually prepare the lesson! With PC Study Bible I spend less time on the mechanics and more time on the content.”

    “I listen to Bible studies on tape from my church in America and the PCSB has been a great enhancement! With just a click of the mouse I have, not only Bibles and commentaries and maps, but also the Hebrew/Greek which has been wonderful for searching words back to their root, and so simply done I don’t even have to pause the tape! And with the new SAVE option, it just keeps getting better!”

    PC Study Bible is easy to master, yet in-depth enough to present scholarly material. I am very pleased with this program and can truly say that this is the best investment in software I have ever made.”

    “I cannot imagine any Bible student, teacher or preacher being without [ PC Study Bible ]. It is user friendly, complete, and a wonderful aid to personal study or help in teaching others.”

    “With PC Study Bible . at the click of a mouse I am able to compare many different translations, see the original Hebrew or Greek as it was written, pull up the definition to any word I might find compelling, and see all the different ways it has been translated in the Bible. all at the same time. just like you said I would be able to do! And all of this capability is at my fingertips so that I can complete my study in a fraction of the time it used to take me to look things up manually.”

    PC Study Bible has proven to be invaluable in research and ease of use. Of the Bible research and study programs I have used, PC Study Bible is the one I prefer above all others.”

    See Contents of This Version in Comparison Chart Below

    At Biblesoft, we’re committed to providing you the very best time-tested, conservative, Bible-based reference material and that’s exactly what you’ll find in each of our PC Study Bible libraries. Browse through the chart below to find the PC Study Bible library that fits your specific needs.


    Whole life insurance, whole of life insurance quote.

    #Whole #of #life #insurance #quote


    Whole life insurance: Financial security for life, and all its uncertainties.

    Whole life insurance is a way to invest in your life, with guaranteed protection for your loved ones. It also builds guaranteed cash value,*which you can borrow against (like a loan), often tax free, to help pay for college, retire a mortgage, cover unforeseen emergencies, or even fund your retirement.** And with four different policies to choose from, it should be easy to find one that meets your needs: high value, low premiums, maximum flexibility—whatever is best for you and your family.

    Guaranteed Protection and Growth

    Standard Whole Life policies protect your loved ones and help you save for your future, too.

    A Customized Pay Schedule

    With Custom Whole Life, you can pay premiums for a set period of time and still have coverage for life.

    Insurance on Two People’s Lives

    Survivorship policies pay out after two people have died, and can be more cost-effective in certain cases.

    Some insurance policies give you a whole lot more.

    It starts with guaranteed protection.

    Whole Life Insurance from New York Life offers permanent coverage, with premiums that never go up.

    Locking in your premium now guarantees protection* for the rest of your life as long as your premium is paid when it’s due, so you can rest assured your family or business is protected—no matter what, no matter when.

    The policy’s proceeds can be used in many different ways, to fund:

    • Your loved ones’ regular expenses
    • The mortgage on your home
    • Gifts to your loved ones
    • Charitable giving
    • Business needs

    Yet, what sounds like the end of the story is really just the beginning of what this policy can achieve.

    It grows guaranteed cash value.

    As long as you keep premiums up-to-date, your Whole Life policy will build cash value. Over time, you can tap into this value to help pay for things like college or a down payment on a home. ** For many, the policy’s cash value is especially useful after children have grown, when there may be less need for the death benefit. At this point, whole life can become part of your retirement plan, supplementing your income as you gradually draw down your cash value.

    IT QUALIFIES YOU FOR YEARLY DIVIDENDS.

    There’s another way your policy can grow in value: through dividends. A dividend is a share of New York Life’s divisible surplus. And since New York Life doesn’t answer to Wall Street shareholders, a portion of our surplus is distributed directly to our participating policy owners. Dividends are not guaranteed, but, thanks to our financial strength, New York Life has paid dividends every single year since 1854, including the economic downturn of 2008 and throughout the Great Depression.

    It diversifies your tax situation.

    The cash value of a whole life policy grows on a tax-deferred basis—which can help it grow considerably. And when you borrow from that value, it won’t be taxed. ** In the event of an untimely death, beneficiaries also generally receive the value of your policy tax-free.

    It can help protect your business.

    Whole Life can be used to protect against the loss of key employees, fund buy-sell agreements, ensure the continuation of your business into its next generation, or even reward your top employees.

    Let us customize whole life to your life.

    We can customize your policy to pay premiums only for a set period of time, or increase your insurance benefits and grow your cash value more quickly. Other optional riders (some at additional cost), let you increase your coverage level or boost your coverage for a limited period of time with a term life rider, as well as guarantee your premium payments are taken care of should the insured ever become disabled, and more.

    How could whole life work for you? Contact an expert and find out.


    Colleges in Cleveland, Ohio (OH) – Universities, Trade

    #cleveland, #ohio, #colleges, #universitites, #trade #schools, #degrees, #academy #of #court #reporting, #devry #university’s #keller #graduate #school #of #management, #kaplan #career #institute, #remington #college, #sanford-brown #college, #techskills, #techskills, #medical, #the #ohio/illinois #centers #for #broadcasting, #cuyahoga #community #college, #cleveland #state #university, #case #western #reserve #university, #john #carroll #university, #notre #dame #college, #ohio #technical #college, #bryant #and #stratton #college-cleveland, #chancellor #university, #cleveland #institute #of #art, #cleveland #institute #of #music, #huron #school #of #nursing, #cleveland #institute #of #dental-medical #assistants


    #

    Cleveland Colleges, Universities, Trade and Vocational Schools

    Cleveland Colleges and Schools

    Colleges in Cleveland, Ohio

    There are at least 20 colleges in Cleveland, listed and described below. These schools represent 57,719 or more students (full-time and part-time), a combined student body equivalent to 43,642 full-time students, and a reported 6,994 dorm rooms.

    The largest schools here include Cuyahoga Community College District, Cleveland State University, Case Western Reserve University and John Carroll University.

    We also provide an extensive list of Ohio Colleges .

    Of Note For College Students

    • There are a lot of studio and one-bedroom apartments in Cleveland.

    Featured Colleges in the Cleveland Area (QuickSchools )

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    As a student at South University, you will have the opportunity to learn from accomplished faculty members who have real-world experience in the subjects that they teach. Our small class sizes allow you to receive personalized attention from instructors, and the encouragement to recognize your goals for the future and the means to achieve them.

    • Program Categories: Health, Healthcare and Nursing
    • Degrees: Bachelor, Master

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    Colleges in Cleveland with Selective Admissions

    These schools do not admit all qualified applicants.
    Based on 2008-2009 information.

    • Programs: Many programs. Most popular include: law, various nursing, social work, medicine, biomedical engineering, banking, psychology, business administration
    • Degrees/Certificates: Certificates. Bachelor’s. Master’s. Doctor’s. First-professional degree.
    • Student Body: 9,844 students, 7,122 full-time equivalent.
    • Dorms: 3,484 student capacity.
    • SAT 25-75th percentile: Verbal: 590-690. Math: 620-720. Writing: 580-680.
    • Flexibility: AP credits.
    • Notable: Career counseling. Placement assistance. Study abroad option. Member of a national athletic association.
    • Programs: licensed practical nurse
    • Degrees/Certificates: Certificates.
    • Student Body: 79 students, 171 full-time equivalent.
    • SAT: not generally required.
    • Flexibility: AP credits.
    • Notable: Career counseling.
    • Programs: Many programs. Most popular include: business management, criminal justice and administration, accounting, legal assistant, human resources, liberal arts and humanities, computer support, marketing studies
    • Degrees/Certificates: Certificates. Associate’s. Bachelor’s. Master’s.
    • Student Body: 570 students, 355 full-time equivalent.
    • SAT: not generally required.
    • Flexibility: Distance learning. Weekend classes available. Credit for experience. AP credits. Some high school credits accepted.
    • Notable: Career counseling. Placement assistance. Remedial services.
    • Programs: Several programs. Most popular include: multimedia, painting, drawing, interior design, textile arts, medical illustrator, sculpture, illustration
    • Degrees/Certificates: Bachelor’s.
    • Student Body: 485 students, 498 full-time equivalent.
    • Dorms: 105 student capacity.
    • SAT 25-75th percentile: Verbal: 470-580. Math: 470-540.
    • Flexibility: AP credits.
    • Notable: Career counseling. Placement assistance. Remedial services. Study abroad option.
    • Programs: music performance, music theory and composition, various music studies
    • Degrees/Certificates: Certificates. Bachelor’s. Master’s. Doctor’s.
    • Student Body: 453 students, 474 full-time equivalent.
    • Dorms: 100 student capacity.
    • SAT: not generally required.
    • Flexibility: Distance learning. AP credits. Some high school credits accepted.
    • Notable: Career counseling. Placement assistance. Remedial services. Study abroad option.
    • Programs: Many programs. Most popular include: business management, curriculum and instruction, law, psychology, social work, communication studies, finance, accounting
    • Degrees/Certificates: Certificates. Bachelor’s. Master’s. Doctor’s. First-professional degree.
    • Student Body: 15,038 students, 12,087 full-time equivalent.
    • Dorms: 842 student capacity.
    • SAT 25-75th percentile: Verbal: 410-540. Math: 400-570.
    • Flexibility: Distance learning. Weekend classes available. Credit for experience. AP credits. Some high school credits accepted.
    • Notable: Career counseling. Placement assistance. On-campus daycare. Remedial services. Study abroad option. Member of a national athletic association.
    • Programs: registered nursing
    • Degrees/Certificates: Certificates.
    • Student Body: 289 students, 208 full-time equivalent.
    • SAT: not generally required.
    • Flexibility: Weekend classes available. Some high school credits accepted.
    • Notable: Career counseling. Placement assistance. Remedial services.
    • Programs: Many programs. Most popular include: business management, psychology, communication studies, marketing, biology, English, accounting, early childhood education
    • Degrees/Certificates: Certificates. Bachelor’s. Master’s.
    • Student Body: 3,766 students, 3,535 full-time equivalent.
    • Dorms: 1,962 student capacity.
    • SAT 25-75th percentile: Verbal: 490-590. Math: 490-600. Writing: 480-590.
    • Flexibility: Distance learning. AP credits. Some high school credits accepted.
    • Notable: Career counseling. Placement assistance. Study abroad option. Member of a national athletic association.
    • Programs: Many programs. Most popular include: business management, accounting, education of learning disabled, psychology, reading teaching, business and related services, marketing, early childhood education
    • Degrees/Certificates: Certificates. Associate’s. Bachelor’s. Master’s.
    • Student Body: 1,490 students, 1,373 full-time equivalent.
    • Dorms: 501 student capacity.
    • SAT 25-75th percentile: Verbal: 410-520. Math: 420-550.
    • Flexibility: Distance learning. Weekend classes available. Credit for experience. AP credits. Some high school credits accepted.
    • Notable: Career counseling. Placement assistance. Remedial services. Member of a national athletic association.

    Cleveland Colleges with Open Admissions

    Schools open to most or all qualified applicants (qualifications vary).
    Based on 2008-2009 information.

    • Programs: medical assistant, dental assistant, medical records admin, pharmacy tech
    • Degrees/Certificates: Certificates.
    • Student Body: 126 students, 364 full-time equivalent.
    • Notable: Placement assistance.
    • Programs: carpentry, welding, child care provider, electrician, office data entry, machinist
    • Degrees/Certificates: Certificates.
    • Student Body: 97 students, 124 full-time equivalent.
    • Notable: Career counseling. Placement assistance. Remedial services.
    • Programs: Many programs. Most popular include: liberal arts and sciences, registered nursing, early childhood education, business management, licensed practical nurse, legal assistant, administrative assistant, criminal justice and police
    • Degrees/Certificates: Certificates. Associate’s.
    • Student Body: 24,563 students, 16,019 full-time equivalent.
    • Flexibility: Distance learning. Credit for experience. AP credits. Some high school credits accepted.
    • Notable: Career counseling. Placement assistance. On-campus daycare. Remedial services. Member of a national athletic association.
    • Programs: automobile mechanics, motorcycle mechanic, autobody repair, vehicle maintenance, mechanic and repair, diesel mechanics, truck and bus driver, electrical installation and repair
    • Degrees/Certificates: Certificates. Associate’s.
    • Student Body: 919 students, 1,312 full-time equivalent.
    • Flexibility: Weekend classes available. Credit for experience.
    • Notable: Career counseling. Placement assistance.

    Physical Therapist Assistant

    #education #of #a #physical #therapist


    #

    Physical Therapist Assistant

    Physical therapist assistant (PTA) programs in Tennessee’s state community college system are accredited two-year associate degree programs that prepare graduates to perform selected components of patient treatment and assessment under the direction and supervision of the physical therapist in an ethical, legal, safe, and effective manner. These PTA programs combine general education courses, physical therapy lecture and laboratory courses, and clinical education to produce competent, caring, quality oriented physical therapist assistants who are prepared for taking the National Physical Therapy Examination (NPTE) and for entering the field of physical therapy with the required knowledge, skills, and behaviors of an entry-level PTA. The Volunteer State Community College program meets the guidelines for accredited curricula and is accredited by:

    Commission on Accreditation in Physical Therapy Education

    111 North Fairfax Street

    Alexandria, VA 22314

    Telephone: (703) 706 – 3245

    Potential applicants are required to attend an information session where the PTA Program, class schedules, application procedures, and acceptance policies are discussed in detail. Information sessions are held twice a month: no reservation is necessary to attend.

    Information Sessions

    PTA Information Sessions will be held the first and third Wednesday of each month at the East Campus, 100 Building, Room 108 -sessions begin sharply at 1:00 pm on the following dates:

    If you are interested in the Physical Therapist Assistant Program, please read the PTA Information packet and Frequently Asked Questions .

    If you have further questions after reading both the Information packet and the FAQ’s then you should attend a PTA information session which is held on the dates above. Information Sessions begins at 1:00 pm at the East Campus, 100 Building, Room 108. Advising is required before entering the program.

    Enrollment Requirements Admission to the program is limited to 32 students. The application process begins in January each year. The application deadline is March 17, 2017. Class selection is completed in May from applicants who complete all prerequisites by the end of the Spring Semester. In order to be eligible for admission into the PTA program, students must successfully complete, with a grade of C or better, all of the required general education courses and BIOL 2010, BIOL 2020, AHC 115, AHC 101, and PTA 110. Once students are admitted into the second year of the PTA program, three semesters of continuous full-time intensive study are required for completion. The program begins with the summer session. The PTA program classes frequently do not follow the regular College calendar. Student Background Check Effective September 1, 2005, students seeking enrollment in designated Health Sciences programs requiring participation in clinical training in area hospitals and related clinics/agencies must provide evidence of a passing score on a background check prior to official acceptance/enrollment into the respective program. Either the failure to provide the required background check results by the due date established or the receipt of anything other than a passing score on the background check will make a student ineligible for enrollment in the respective program. Background checks are performed at the student s expense. Find more detailed information about Student Background Checks. Degree Advancement Program Agreement with MTSU

    MTSU and Volunteer State Community College have developed an AAS-to-BS program to allow students who earn an Associate of Applied Science in Physical Therapist Assistant at Volunteer State Community to transfer the majority of those credits to MTSU toward the completion of a Bachelor of Science in Professional Studies with a concentration in Organizational Leadership. This degree is offered through MTSU s University College in cooperation with the Tennessee Board of Regents.

    What to Do Next

    • Complete an Application Form located on the left side of this page
    • Visit the links on the left side of this page

    1480 Nashville Pike
    Gallatin, TN 37066

    (615) 452 – 8600
    (888) 335 – 8722

    Subscribe
    General Information
    Connect With VolState

    Copyright 2004 2015 Volunteer State Community College. All Rights Reserved. Volunteer State Community College, a Tennessee Board of Regents institution.

    The privacy. confidence, and trust of individuals who visit any Tennessee Board of Regent (TBR) web site are important to us. No personal information is collected at this site unless it is provided voluntarily by an individual while participating in an activity that asks for the information.

    Volunteer State Community College does not discriminate against students, employees or applicants for admission or employment on the basis of race, color, religion, creed, national origin, sex, sexual orientation, gender identity/expression, disability, age, status as a protected veteran,
    genetic information, or any other legally protected class. Full Non-Discrimination Policy .


    Car Insurance Calculator, cost of car insurance. #Cost #of #car #insurance


    Car Insurance Calculator

    By Kevin Pratt on Tuesday 09 January 2018

    In this Article

    Ever wondered why everyone pays a different premium for their car insurance? It’s because the amount you are charged for cover is based on a statistical assessment of how much of a risk you pose.

    The higher the risk of having your vehicle stolen or being involved in an accident, then the more likely it is your insurer will have to pay out for a claim. Someone with a very expensive or powerful car, for example, will generally pay more than somebody with a cheaper or less powerful car.

    Similarly, someone with 20 years of driving experience will tend to pay less than someone who’s just removed their L plates because, statistically, an experienced driver poses a lower risk.

    But then these are only rules of thumb, and insurers take several other factors into consideration when setting your motor insurance premiums. So here at MoneySuperMarket, we regularly crunch the numbers behind millions of car insurance quotes to analyse market trends and help you get a solid estimate on your premiums.

    What is the cost of car insurance?

    According to MoneySuperMarket data (September 2017), the average cost of an annual fully comprehensive car insurance policy is £579. This is an increase of 7% in a year, meaning you will now pay £40 more than a year ago. When you compare this to two years ago, the change is even more significant: the average cost in September 2015 was just £501 and prices have jumped 15.6% (£76) since then.

    MoneySuperMarket’s car insurance data monitor analyses the impact of age, gender and location on car insurance premiums to find out how much of a risk different groups are considered to be in an insurer’s viewpoint.

    Why are age and location important when calculating car insurance?

    Age and location tend to be among the most influential factors when it comes to calculating car insurance quotes.

    Age is a big factor for motor insurance premiums, as older drivers are seen by insurers to be less likely to be involved in accident. Generally speaking, this is because older drivers tend to have more experience behind the wheel, whereas younger drivers tend to have less experience. In fact, younger drivers (17-24) make up 25% of claims involving accidents.

    Those living in areas with higher crime rates also tend to pay more for cover. If your postcode is in a high-crime area, insurers will inflate your premiums to account for the added risk of your vehicle being vandalised, damaged or stolen.

    How to bring down the cost of car insurance

    Bear in mind that our car insurance calculator only gives you the average price you can expect to pay. In reality, your premiums could be higher or lower. If they are higher, there are some steps you can take to help bring the cost down.

    1. Opting for a lower level of cover is not often the best way: Since many young drivers opt for third party only cover, the premiums for this type have increased significantly. Therefore, it may be cheaper and definitely more cost effective to buy fully comprehensive cover. Read more about car insurance policy types.

    2. Pay a higher voluntary excess: Doing so typically earns you a lower premium as the insurer will be left with a smaller bill. However, you must not set your excess at a higher level than you can actually afford, because you will have to pay it in the event of a claim.

    3. Improve your car’s security: Keeping your car parked in a well-lit area or in a driveway overnight and installing insurer-approved security equipment – such as immobilisers or steering wheel locks – reduces the chances of it falling prey to thieves, and insurers should reflect this in their car insurance quotes.

    4. Build your no claims discount: For every year you drive without making a claim you can build up a discount when it comes to renewing your car insurance policy. The range of discounts offered are shown in the table below.


    Compare Cheap Car Insurance Quotes, cost of car insurance. #Cost #of #car #insurance


    Car Insurance

    Save up to £273 on your car insurance*

    *51% of customers could save up to £273.83 Consumer Intelligence, November 2017

    Cost of car insurance

    Insure your car with Admiral and get £30 cashback

    If you take out car insurance with Admiral through MoneySuperMarket between 14 January and 4 February 2018, you’ll be eligible to receive £30 cashback.

    The offer will be paid on new policies only and is not available on renewals if you already have car insurance with Admiral Group, which includes the Diamond, Elephant and Bell brands.

    You have to hold the policy for a minimum 14 days, and the cashback will be sent to you within 90 days of your policy’s start date. For more information and full T Cs click here

    COMPARE CAR INSURANCE

    How to get a car insurance quote

    To get an accurate quote you will need to provide certain details about your car, including:

    • Registration number
    • Make and model
    • Age and value
    • Any modifications made

    This information allows us to understand which insurance group your car belongs to, in order to complete the insurance quote. You can find out which group your car belongs to using this tool.

    Information about you

    You will also need to include information about your job, age, and where you live, along with details of your driving history (including any convictions and claims).

    Named drivers

    The names and licence details of anyone who will be driving your car need to be provided.

    No Claims Discount (NCD) history

    Details of your no claims discount will help lower the price you are quoted. You can find out here how many years’ no claims discount your insurer will honour.

    Cost of car insurance

    Cost of car insurance

    How to reduce the cost of car insurance

    MoneySuperMarket data shows the average quoted premium for an annual fully comprehensive car insurance policy is £579 (September 2017), up 7.5% on the previous year. This increase in premiums makes it more important than ever to compare the best car insurance prices.

    Here are our top tips on how to reduce your premiums:

    Don’t auto-renew: UK motorists lose around £2.37bn by rolling over their policies with the same insurer every year.

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    Car insurance groups

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    Learner driver insurance

    Will you need to pay for learner driver insurance on top of tuition fees

    Fully comprehensive cover

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    Excess insurance

    Insuring against high excess costs could save you money if you ever have to claim.

    Gap insurance

    If you re buying a new car, it s well worth considering gap insurance.

    Named driver insurance

    How adding a named driver can lower the cost of car insurance.

    MOTORING NEWS

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    Bank of Baroda – Form Download, bank of baroda home loan.#Bank #of #baroda #home #loan


    Bank of Baroda – India’s International Bank. UK Operations

    Form Download and T & C

    • General Terms Conditions (390kb)
    • Individual Deposit Accounts (128Kb)
      • Annexure Form – For additional applicants (Individual Accounts) (98Kb)
      • Fixed Deposit Instruction Form (108Kb)
      • Certification Guidance (190kb)
      • FSCS Information Sheet (46kb)
      • FSCS Exclusion List (107kb)
      • BOB-Tax-status-declaration-for individual (80kb)
    • Business / Company Accounts (235Kb)
      • Terms Conditions (390kb)
      • Certification Guidance (190kb)
      • BOB-Tax-status-declaration-form-entity-guidance-notes (420kb)
    • Unincorporated Society,Club, Association,Trust A/c Opening (166Kb)
      • Terms Conditions (390kb)
      • Certification Guidance (190kb)
    • FSCS Information Sheet (69.47Kb)
    • FSCS Exclusion List (104.50Kb)
    • Remittances (254Kb)
    • Click Funds2India-Registration Form (101Kb)
    • Click Funds2India-Telecommunication Mandate (23Kb)
    • Debit Card with Terms Conditions (2.44Mb)
    • Personal Loan (862Kb)
    • Transaction Based Internet Banking forms
      • Application form for Internet Banking (for Individuals) (491Kb)
      • Application form for Internet banking (for Corporate) (1,656Kb)
      • Company resolution (1,202kb)
      • Internet Banking form for Mobile No and Email ID Updation (104Kb)
      • Request for generation of new password (227kb)
      • Terms and conditions Retail (227kb)
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    • SMS Alerts Facility
      • SMS Alerts Subscription Form (153Kb)
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    • mPassbook Mobile Application
      • mPassbook Terms & Conditions (369Kb)
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    Authorised and regulated by PRA & FCA in the United Kingdom | A member of Financial Services Compensation Scheme | Government of India is major shareholder in the Bank.



    PLUS Student Loan Consolidation Information, department of education loan consolidation.#Department #of #education #loan #consolidation


    Consolidate Your PLUS Loans

    In loan consolidation, your existing student loans are paid off and replaced by a new, large loan combining all those amounts. You only have to track one monthly payment, and that payment may be lower if your repayment term is lengthened (the maximum in the Direct Consolidation Loan, discussed below, is 30 years). Since this is a new loan, it will come with new terms and you will be able to make some choices regarding your repayment plan.

    However, you should be aware that lengthening the term of your loan will mean paying more interest over the life of the loan and making more total payments, both of which increase the cost of the loan. If you had any special benefits like a principal rebate attached to your original loan, you will lose those when you consolidate.

    Consolidation is final: you can t reverse your decision at a later time, so consider your circumstances carefully before deciding. You re usually eligible for a consolidation loan if you stop attending school for any reason or if your enrollment drops below half-time.

    Department of education loan consolidation

    Federal Direct Consolidation Loan Program

    Both old PLUS loans made under the now-defunct Federal Family Education Loan (FFEL) program and new Direct PLUS loans made either to graduate and professional students or to parents of dependent undergraduates are eligible for inclusion in a federal Direct Consolidation Loan. But the Direct Consolidation Loan isn t limited to PLUS loans.

    You may also consolidate the following types of loans:

    • Direct Subsidized and Unsubsidized Loans
    • Subsidized and Unsubsidized Federal Stafford Loans
    • Supplemental Loans for Students
    • Federal Perkins and Nursing Loans
    • Health Education Assistance Loans, and
    • even some types of existing consolidation loans, but not private loans.

    Fixed And Capped Interest Rate

    The Direct Consolidation Loan rate is fixed by the government based on the interest rates of your existing loans. The calculation rounds up the weighted average of those rates to the nearest one-eighth of a percent, but sets the maximum rate at 8.25%. Note: the weighted average means both the individual interest rates and the amounts of each loan will be included in the averaging process. If you have one $100 loan and one $1,000 loan, the weighted average will be closer to the rate on the $1,000 loan.

    About Repayment

    After the loan is disbursed, you will have, at most, 60 days to begin repayment. The company chosen by the U.S. Department of Education (your lender) to service your loan, called the loan servicer, will let you know when payment is expected. Repayment terms vary from 10 to 30 years in length, depending on how much you owe and which repayment plan you choose.

    There are two repayment plans available for Direct Consolidation Loans, depending on whether or not the consolidation included a PLUS loan made to parents. They are called Income-Based Repayment and Income-Contingent Repayment.

    The Income-Based Repayment Plan

    The Income-Based Repayment Plan (IBR) is structured to lower your monthly payment amount in order to keep your loan out of default. It has one unique requirement for eligibility: your financial situation must qualify as a partial financial hardship, meaning your monthly repayment amount as calculated under the Standard Repayment Plan, using a loan term of ten years, is higher than your monthly repayment amount as calculated under the IBR.

    In IBR, your monthly payment changes depending on your income and family size (defined as number of dependents plus spouse). You only need to reach partial financial hardship status once in order to qualify for a switch to IBR, so if your financial situation improves that will increase your payment amount but not render you ineligible for IBR. Your Direct Consolidation Loan will be eligible for IBR if it does not include any PLUS loans made to parents.

    The Income-Contingent Repayment Plan

    The Income-Contingent Repayment Plan (ICR) is for Direct Consolidation Loan borrowers who do not qualify for IBR. The maximum loan term is 25 years, and your payment amount is based on income, family size, and Direct Loan indebtedness, plus a third amount.

    That amount is either the monthly payment you would make if you repaid the loan in 12 years, multiplied by an income percentage that varies with your income, or 20% of your discretionary income, whichever is less. Fortunately, the pages linked above for IBR and ICR have calculators, so you do not have to perform the computations on your own.



    Student Loans – Types, Eligibility, and More, The Art of Manliness, types of loans.#Types #of #loans


    What Every Young Man Should Know About Student Loans

    Types of loans

    Back-to-school time is once again right around the corner. Millions of recent high school graduates will be heading off to colleges and universities to fill their minds with knowledge and their bellies with ramen. New students are thinking about a lot of things what friends they’ll make, what classes they’ll take, and what it’ll be like being away from home for the first time.

    What they’re probably not thinking about, unfortunately, are the loans they’ve likely taken out to pay for the education and experience that awaits them. This aversion is understandable the world of student loans is confusing, overwhelming, and seems disconnected from the present. It’s something you can worry about in 4-6 years, right?

    Wrong. Taking the time right now to understand how student loans work will save you money and headaches down the road. So if you’re a young gent (or the parent of one) who’s heading off to college this year or next, we offer this accessible primer on the basics you should know about student loans.

    If this info comes too late for you, as you’ve already graduated and are struggling with your student debt, later this week we’ll offer tips for paying it down.

    Reduce the Amount You Need to Borrow

    Before you consider taking out student loans, it’s financially prudent to find as many ways as possible to reduce the amount you need to borrow in the first place. The less debt you take on now, the less you have to pay back after college. It’s hard to overestimate how much you’ll appreciate even a small reduction in your total debt later on, but trust me, someday you will.

    Know that about 2/3 of all college students graduate with student debt, and the average debt is about $30,000. It’s hard for a young man to put that into perspective, but when you’re repaying that loan, the average bill per month is about $320. When combined with other bills and debts, and especially when you get married, it will be a large chunk of your monthly budget. In fact, only about 60% of all student loans are being actively repaid at any given time; this means that just under half of all borrowers can’t afford that monthly payment (and failing to pay has dire consequences which we ll discuss next time). These are just numbers, of course, but are sobering nonetheless, and hopefully give some credence to the reality of student loans and the necessity of reducing them as much as you can.

    Save for college. Sure, you’re probably not going to be able to save enough money from your high school job to pay for the entirety of your college education, but every little bit helps. So get out there and get a job. Use some of that money for fun, but be sure to set aside a chunk for school.

    If you’re a parent with young children, start thinking ahead by opening up a 529 account with your state to save money for your kid’s future education. Contribute a little bit each month. The money you contribute is taxable, but it grows interest-free. Also consider asking family members to contribute as Christmas and birthday gifts, especially early on when Junior won’t know the difference anyway.

    Apply for scholarships. I wish I sought out more scholarships when I was applying for my undergraduate degree. I think I applied for like five, and I ended up getting one for a few hundred dollars. But I had only scratched the surface there are literally thousands of opportunities out there. Don’t just apply for the scholarships that your school offers a lot of organizations have scholarship funds available, and in many cases that money doesn’t even get dispersed because no one ever applies for it. Thanks to the internet, hunting for scholarships is a breeze. Search these sites for scholarship opportunities:

    Once you put together a big list of scholarships, dedicate a few hours each weekend to submitting the applications. Sure, it’s tedious and boring, but if you can score a few thousand dollars to go towards your tuition, it’s completely worth it.

    “Moneyball” your way through college. Last year AoM guest contributor Jay Cross published an article on how to use CLEP exams to reduce the amount you pay in college tuition. The tests cost just $80 each, but if you pass, you don’t have to take that class in college, saving yourself hundreds or thousands of dollars.

    Coupling CLEP exams with taking AP classes (and passing the exam) in high school is another effective way to save big-time money and months of your time. Using a combination of AP exam credit and CLEP exams, I was able to shave off a whole year of college. It was awesome!

    Go to a community college the first two years. If you can’t CLEP out of some of your general ed requirements, consider attending a local community college for the first two years of your schooling. Sure, you’re not getting the “full college experience,” but you’ll save a lot of money.

    Live at home. My first semester of college I lived in the dorms at OU. It was a blast, but my grades suffered, and it cost me several thousand dollars. At the end of the semester, I decided to transfer to a college in my hometown and move back in with my folks. The tuition was much cheaper, plus I saved a ton of money on living expenses. And as a bonus, I had a 4.0 my second semester.

    If it’s an option, consider living with your folks while you’re in college. Sure, they’ll cramp your style some, but you’ll be amazed at how much money you’ll save and how much more productive you’ll be.

    Don’t take the full amount of student loans offered you. Before school starts, you’ll get a letter telling you how much in student loans you’ve been approved for. You don’t have to accept the full amount. Take a look at your whole financial situation and decide how much you need to make it through the college year. Many students take the full amount and use what’s left over after tuition and books as spending money. But if you work while you’re going to school, you won’t need to do that. Which brings me to my next point…

    Work your way through college. Yes, school should be your top priority. But with efficient use of your time, you can make room for a part-time job. I waited tables and made smoothies throughout college. And most schools offer on-campus jobs that are pretty easy to get, and of course flexible with your class schedule.

    Because I had money to pay for my living expenses, I didn’t have to take the full loan amount I was offered each semester. I typically just took enough to cover my tuition and books, and I saved thousands of dollars because of that.

    Understand the Two Types of Student Loans

    So you’ve done all you can to reduce the amount you need to borrow, but you still have to take on some loans.

    Student loans will come in two broad categories: federal student loans and private loans. With federal student loans, the U.S. government is your lender. Thanks to various laws, money lent by the government comes with provisions to help you manage your student debt, such as fixed, relatively low-interest rates, grace periods, and flexible repayment plans.

    With private loans, a bank or some other institution is your lender. The company you borrow the money from sets the rules on repayment and they’re not as generous as Uncle Sam.

    To help you navigate the various types of student loans out there, we’ve created this handy-dandy chart:

    Determining Your Eligibility for Federal Student Loans

    To be eligible for any federal student loan, you must meet a few baseline requirements. Most are what you’d expect: graduate high school, be enrolled or accepted to an accredited college, have a valid Social Security Card.

    The one eligibility requirement that I didn’t know about and that is unique to men is that you have to be registered with the Selective Service if you’re between the ages of 18 and 25. Uncle Sam won’t give you any loans unless you’re willing to be drafted into World War III.

    If you meet the above requirements, then you just need to fill out and submit a Free Application for Federal Student Aid (FAFSA). You can submit applications for the fall semester after January 1. The earlier you submit your FAFSA application, the better. It takes awhile to fill out, so look to set aside about an hour if you’re a first-time applicant.

    When Do You Have to Start Paying Back Your Student Loans?

    With both federal subsidized and unsubsidized student loans, you’re a given a six-month grace period before you’re required to start paying back your loan. The grace period starts after you gradate, leave school, or drop below half-time enrollment. Just remember, with unsubsidized student loans, you’ll be accruing interest during your grace period and the interest will be added to your total principal. With subsidized loans, the grace period is interest-free.

    When it comes to student loans, a little knowledge goes a long way. Do what you can to reduce the amount you borrow, understand the nature of the loans you’re taking, and start thinking now about how you’ll pay them back after you get your sheepskin.

    If you’ve already graduated and are having trouble making your loan payment, on Thursday we’ll offer you some tips on paying back that debt.



    Types of Federal Student Loans, types of loans.#Types #of #loans


    Types of Federal Student Loans

    The first step to managing your student loan debt is understanding what types of loans you have. Many repayment options and other programs are available for only certain types of loans, so you need to know which type you have. This article covers the most common types of federal loans.

    (If you are struggling with student loan debt, after you figure out what types of loans you have, see our Student Loan Debt area. You can get information on loan cancellation, deferment, and more.)

    What Are Guaranteed Loans?

    In the past, most student loans were provided by private lenders and guaranteed by a guarantee agency and then by the federal government these are called Federal Family Education Loans (FFELs). The guarantee means that the government will reimburse your lender if you default, and can then go after you to collect on the loan.

    In 1993, the federal government began providing loans directly to students called Direct loans. As of July 2010, FFELs are no longer available to students. However, if you (like many Americans), took out a student loan prior to July 2010, you very well may have a FFEL. Through these and other programs, the federal government provides about 70% of all student aid.

    Student Loan Terminology

    Guaranty agency. A guaranty agency is a state or private nonprofit company that insured your loans and pays the holder if you default.

    Loan holder. The holder owns your loan or was hired by the owner to service it (that is, collect and process payments). Your loan holder may be your lender or a company that has purchased your loan from the lender. If you re in default, the holder will be a guaranty agency, the Department of Education, or a collection agency working for the Department.

    Sometimes finding out who holds your student loan is tricky. To learn how to do this, see Who Is My Student Loan Holder?

    Lender. The lender is the institution from which you obtained your loan. This may be a bank, a savings and loan, a credit union, your school, or the federal government.

    Types of Federal Student Loans

    Here are the details of FFELs, Direct loans, and other common federal loans.

    Federal Family Education Loans (FFELs)

    FFELs may be one of the following:

    • Stafford loans, (previously called Guaranteed Student Loans or GSLs or Federal Insured Student Loans (FISLs))
    • PLUS loans (loans to parents or to graduate students)
    • SLS loans, or
    • consolidation loans (to learn more, see Student Loan Consolidation).

    Stafford loans are the most common; they help pay for college or graduate school education. These loans have been around in one form or another since the 1960s. If a student qualifies for a subsidized Stafford, the student does not have to pay any interest on the loan for the time the student is in school or after leaving school, in the grace period.

    As of July 2010, FFEL loans are no longer available. So, if you got your loans after June 30, 2010, they are not FFEL loans.

    Direct Loans

    Direct loans were first made available in about 1993. These loans are made directly by the federal government, rather than by a bank or other lender. Direct loans may be a:

    Direct loans have had a more favorable repayment option then FFELs for students who do not have sufficient income to pay the standard payments. But as of July 2009, both types of loans will have similar flexible repayment plans available.

    Most existing federal loans are either FFELs or Direct loans. (As mentioned above, loans made after June 30, 2010 cannot be FFELs.)

    Perkins Loans

    A Perkins loan is a low-interest loan for under-graduate or graduate students with very low incomes. These loans were previously known as National Direct Student Loans, and before that, National Defense Student Loans. The federal government guarantees repayment of Perkins loans but, unlike other loans, Perkins loans are made by the school with a combination of federal and school funds. This means that the school, not a bank or the government, is the lender.

    PLUS Loans

    These loans are available to creditworthy parents and graduate and professional students. These loans are either federally guaranteed or direct federal loans.



    Axis Bank Home Loan – Interest Rates November 2017, EMI Eligibility Calculator, bank of baroda home loan.#Bank #of #baroda #home #loan


    Bank of baroda home loanAxis Bank Home Loan

    Axis Bank home loan available at interest rates of 8.35%. Borrowers will check Documents, Eligibility, EMI per lakh, Repayment options, loan amount, prepayment charges online at deal4loans.com. Axis Bank offers affordable & flexible Housing/Home Loans online which are available with Nil prepayment charges, Low Interest rates, Quick processing & Flexible repayment which makes your owning experience of dream home sweet & stress-free.

    Key Highlights of Axis Bank Home Loan

    ✓ Flexible Interest Rates – You have option to choose Floating or fixed rate

    ✓ Special Balance Transfer Schemes Available

    ✓ Doorstep Service which makes your loan process Easy and convenient

    ✓ Nil Pre Payment charges means you can pre pay loan at any time without Penalty. (valid only in floating rate option)

    ✓ Longer Repayment Period of 30 Years.

    ✓ eDGE Loyalty Points on Home Loans.

    Axis Bank Home Loan Interest Rates 2017: Updated on 19 May 2017

    Marginal Cost Based Lending Rate (MCLR) – 8.15%

    1) For BT, Upto 3 Cr, MCLR without any markup

    2) Top up loan upto 100% is being offered at MCLR without any markup

    3) No PF on BT and for upto 30% top up. 4) LAP PSL loan @10%

    5) No EM Charges on pre-qualified BT loans.

    Super Saver Home Loans

    Super Saver gives the customer an option to park additional funds which will reduce the interest obligation on the home loan to the extent of the funds parked, with the flexibility to withdraw the funds anytime. In order to provide the customers with the flexibility to redraw excess funds parked by him, Super Saver account comes with an ATM card, cheque book, internet and phone banking facility.

    List of Home Loan documents required

    Axis Bank Home Loan Eligibility Criteria

    • Individuals in permanent service in the Government or reputed companies
    • Applicants should be above 24 years and between 60 years at the time maturity
    • Professionals (ie, doctors, engineers, dentists, architects, chartered accountants, cost accountants, company secretary, and management consultants only) can apply.
    • Applicants above 24 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity meet our housing loan criteria.

    C) – Self Employed Individuals

    • Any individual filing income tax returns can apply
    • Applicants should be above 24 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity

    check your loan eligibility by using Deal4loans Home Loan Eligibility Calculator

    What criteria will AXIS Bank look at to decide my eligibility for a Home Loan?

    ✓ Income of all applicants.

    ✓ Age of the primary applicant.

    ✓ Number of dependents that the applicants have to support.

    ✓ Assets and liabilities of the applicants.

    ✓ Stability and continuity of the primary applicant’s occupation.

    Axis bank home loan procedure?

    Once bank receive a completed application form along with the necessary supporting documents two things happen:

    Axis Bank will convey its decision within 30 working days from the date of receipt of the application provided the application is complete in all respects. The computation of 30 days shall starts from the day on which all documents required for a proper appraisal of the application are provided by the Customer to bank.

    Legal and Technical verification: Lawyers and property valuers empanelled by the Bank will verify your title documents conduct a technical evaluation of the property.

    Once both these are complete, the Bank will process the disbursement of your Home Loan.

    Axis Bank Home Loan Centre Address all over the India



    Types of Loan Programs: Conforming, Jumbo Loans, FRM, ARM, Balloon Mortgage, types of loans.#Types #of #loans


    types of loans

    Types of loans

    Types of loans

    Types of loans

    Types of loans

    Types of Mortgage Loans

    Conventional and Government Loans

    Any mortgage loan other than an FHA, VA or an RHS loan is conventional one.

    The Federal Housing Administration (FHA), which is part of the U.S. Dept. of Housing and Urban Development (HUD), administers various mortgage loan programs. FHA loans have lower down payment requirements and are easier to qualify than conventional loans. FHA loans cannot exceed the statutory limit. Go to FHA Programs page to get more information.

    If you are looking for an FHA home loan right now, please feel free to request personalized rate quotes from HUD-approved mortgage lenders via our website.

    VA loans are guaranteed by U.S. Dept. of Veterans Affairs. The guaranty allows veterans and service persons to obtain home loans with favorable loan terms, usually without a down payment. In addition, it is easier to qualify for a VA loan than a conventional loan. Lenders generally limit the maximum VA loan to $203,000. The U.S. Department of Veterans Affairs does not make loans, it guarantees loans made by lenders. VA determines your eligibility and, if you are qualified, VA will issue you a certificate of eligibility to be used in applying for a VA loan.

    VA-guaranteed loans are obtained by making application to private lending institutions. If you are interesting in obtaining a VA-guaranteed loan you can try our VA loan request form.

    Please see also pamphlets published by VA.

    RHS Loan Programs

    The Rural Housing Service (RHS) of the U.S. Dept. of Agriculture guarantees loans for rural residents with minimal closing costs and no downpayment. Visit our page RHS programs for details.

    Ginnie Mae which is part of HUD guarantees securities backed by pools of mortgage loans insured by these three federal agencies – FHA, or VA, or RHS. Securities are sold through financial institutions that trade government securities.

    State and Local Housing Programs

    Many states, counties and cities provide low to moderate housing finance programs, down payment assistance programs, or programs tailored specifically for a first time buyer. These programs are typically more lenient on the qualification guidelines and often designed with lower upfront fees. Also, there are often loan assistance programs offered at the local or state level such as MCC (Mortgage Credit Certificate) which allows you a tax credit for part of your interest payment. Most of these programs are fixed rate mortgages and have interest rates lower than the current market.

    Conventional loans may be conforming and non-conforming. Conforming loans have terms and conditions that follow the guidelines set forth by Fannie Mae and Freddie Mac. These two stockholder-owned corporations purchase mortgage loans complying with the guidelines from mortgage lending institutions, packages the mortgages into securities and sell the securities to investors. By doing so, Fannie Mae and Freddie Mac, like Ginnie Mae, provide a continuous flow of affordable funds for home financing that results in the availability of mortgage credit for Americans.

    Fannie Mae and Freddie Mac guidelines establish the maximum loan amount, borrower credit and income requirements, down payment, and suitable properties. Fannie Mae and Freddie Mac announces new loan limits every year.

    The national conforming loan limit for mortgages that finance single-family one-unit properties increased from $33,000 in the early 1970s to $417,000 for 2006-2008, with limits 50 percent higher for four statutorily-designated high cost areas: Alaska, Hawaii, Guam, and the U.S. Virgin Islands. Since early 2008, a series of legislative acts have temporarily increased the one-unit limit to up to $729,750 in certain high-cost areas in the contiguous United States. Permanent limits, which apply to the Enterprises’ acquisitions of certain mortgages originated prior to July 1, 2007, are set under the terms of the Housing and Economic Recovery Act of 2008 (HERA).

    For every county and county-equivalent in the country, maximum loan limits for mortgages can be found at: http://www.fhfa.gov/Default.aspx?Page=185

    The 2013 conforming loan limits for first mortgages remain at the limits set in 2006, 2007, 2008, 2010 and 2011:



    Bank of India Home Loan Interest Rates 2017 – EMI Calculator online – Deal4loans, bank of baroda home loan.#Bank #of #baroda #home #loan


    Bank of India Home Loan Interest Rates 2017 EMI Calculator online

    Bank of India Home Loan: BOI Home Loans, Eligibility, Processing Fee, Interest rates 2017, Documents Required Bank of India Housing loan. Current Interest Rates starts from 8.40%.

    Bank of India Home Loan Details

    The Salient features Benefits Why to choose Bank of India Home Loan Schemes:

    ✓ To purchase/construct house/flat/renovate/extend/repair existing house/flat.

    ✓ Maximum loan amount is Rs.3 crores and repayment ranges upto 30 years, with reasonable processing charges. No commitment /administrative charges.

    ✓ Attractive home loan interest rates according to Available in Industry.

    ✓ Option for different EMI amounts for different periods during tenure of loan to suit customers repayment capacity.

    ✓ No prepayment charges under floating rate option

    ✓ Interest is calculated on daily balance basis which is of great advantage to customer as it results in lower interest amount.

    ✓ Simplified application form/procedures for convenience of customers, and speedy approvals.

    ✓ Life Insurance Cover to borrowers for Loan Protection(optional)

    ✓ Free Personal Accident Insurance cover (Renewed at banks discretion)

    Eligibility Criteria for Bank of India Home Loan

    Salaried employees, Professionals, Self-employed persons. Requests are also considered from NRIs, PIOs, HUF, and Prop. Firm, Partnership firms and corporate

    Latest Interest Rates of Bank of India Home Loans 2017

    STAR HOME LOAN SCHEME – Interest Rates are 8.55% for women, 8.60% for others

    STAR DIAMOND HOME LOAN Interest Rates are 8.55% for women, 8.60% for others

    STAR SMART HOME LOAN Interest Rates are 8.55% for women, 8.60% for others

    PRADHAN MANTRI AWAS YOJANA Interest Rates are 8.40% for women others.

    Bank of India Home Loan EMI Calculator

    Enter your required loan amount, Interest Rates No. of repayment years and click calculate answer in front of you within seconds.

    Other Attractive Features

    ✓ Interest on Daily Reducing Balance Basis

    ✓ No Pre-Payment Charges on Floating Rate Loans

    ✓ Facility for step up/ step down EMIs

    ✓ Inclusion of notional rental income in case of 2nd House and also Employees staying in Staff Quarters;

    ✓ Inclusion of Income of Close relatives for enhanced loan

    ✓ Tax Benefit on Interest and Installments repaid in Home Loans

    ✓ Facility for 100% loan irrespective of stage of construction OR Bridge Loan subject to conditions:

    Available Products of Bank of India:



    Student Loans – Types, Eligibility, and More, The Art of Manliness, types of loans.#Types #of #loans


    What Every Young Man Should Know About Student Loans

    Types of loans

    Back-to-school time is once again right around the corner. Millions of recent high school graduates will be heading off to colleges and universities to fill their minds with knowledge and their bellies with ramen. New students are thinking about a lot of things what friends they’ll make, what classes they’ll take, and what it’ll be like being away from home for the first time.

    What they’re probably not thinking about, unfortunately, are the loans they’ve likely taken out to pay for the education and experience that awaits them. This aversion is understandable the world of student loans is confusing, overwhelming, and seems disconnected from the present. It’s something you can worry about in 4-6 years, right?

    Wrong. Taking the time right now to understand how student loans work will save you money and headaches down the road. So if you’re a young gent (or the parent of one) who’s heading off to college this year or next, we offer this accessible primer on the basics you should know about student loans.

    If this info comes too late for you, as you’ve already graduated and are struggling with your student debt, later this week we’ll offer tips for paying it down.

    Reduce the Amount You Need to Borrow

    Before you consider taking out student loans, it’s financially prudent to find as many ways as possible to reduce the amount you need to borrow in the first place. The less debt you take on now, the less you have to pay back after college. It’s hard to overestimate how much you’ll appreciate even a small reduction in your total debt later on, but trust me, someday you will.

    Know that about 2/3 of all college students graduate with student debt, and the average debt is about $30,000. It’s hard for a young man to put that into perspective, but when you’re repaying that loan, the average bill per month is about $320. When combined with other bills and debts, and especially when you get married, it will be a large chunk of your monthly budget. In fact, only about 60% of all student loans are being actively repaid at any given time; this means that just under half of all borrowers can’t afford that monthly payment (and failing to pay has dire consequences which we ll discuss next time). These are just numbers, of course, but are sobering nonetheless, and hopefully give some credence to the reality of student loans and the necessity of reducing them as much as you can.

    Save for college. Sure, you’re probably not going to be able to save enough money from your high school job to pay for the entirety of your college education, but every little bit helps. So get out there and get a job. Use some of that money for fun, but be sure to set aside a chunk for school.

    If you’re a parent with young children, start thinking ahead by opening up a 529 account with your state to save money for your kid’s future education. Contribute a little bit each month. The money you contribute is taxable, but it grows interest-free. Also consider asking family members to contribute as Christmas and birthday gifts, especially early on when Junior won’t know the difference anyway.

    Apply for scholarships. I wish I sought out more scholarships when I was applying for my undergraduate degree. I think I applied for like five, and I ended up getting one for a few hundred dollars. But I had only scratched the surface there are literally thousands of opportunities out there. Don’t just apply for the scholarships that your school offers a lot of organizations have scholarship funds available, and in many cases that money doesn’t even get dispersed because no one ever applies for it. Thanks to the internet, hunting for scholarships is a breeze. Search these sites for scholarship opportunities:

    Once you put together a big list of scholarships, dedicate a few hours each weekend to submitting the applications. Sure, it’s tedious and boring, but if you can score a few thousand dollars to go towards your tuition, it’s completely worth it.

    “Moneyball” your way through college. Last year AoM guest contributor Jay Cross published an article on how to use CLEP exams to reduce the amount you pay in college tuition. The tests cost just $80 each, but if you pass, you don’t have to take that class in college, saving yourself hundreds or thousands of dollars.

    Coupling CLEP exams with taking AP classes (and passing the exam) in high school is another effective way to save big-time money and months of your time. Using a combination of AP exam credit and CLEP exams, I was able to shave off a whole year of college. It was awesome!

    Go to a community college the first two years. If you can’t CLEP out of some of your general ed requirements, consider attending a local community college for the first two years of your schooling. Sure, you’re not getting the “full college experience,” but you’ll save a lot of money.

    Live at home. My first semester of college I lived in the dorms at OU. It was a blast, but my grades suffered, and it cost me several thousand dollars. At the end of the semester, I decided to transfer to a college in my hometown and move back in with my folks. The tuition was much cheaper, plus I saved a ton of money on living expenses. And as a bonus, I had a 4.0 my second semester.

    If it’s an option, consider living with your folks while you’re in college. Sure, they’ll cramp your style some, but you’ll be amazed at how much money you’ll save and how much more productive you’ll be.

    Don’t take the full amount of student loans offered you. Before school starts, you’ll get a letter telling you how much in student loans you’ve been approved for. You don’t have to accept the full amount. Take a look at your whole financial situation and decide how much you need to make it through the college year. Many students take the full amount and use what’s left over after tuition and books as spending money. But if you work while you’re going to school, you won’t need to do that. Which brings me to my next point…

    Work your way through college. Yes, school should be your top priority. But with efficient use of your time, you can make room for a part-time job. I waited tables and made smoothies throughout college. And most schools offer on-campus jobs that are pretty easy to get, and of course flexible with your class schedule.

    Because I had money to pay for my living expenses, I didn’t have to take the full loan amount I was offered each semester. I typically just took enough to cover my tuition and books, and I saved thousands of dollars because of that.

    Understand the Two Types of Student Loans

    So you’ve done all you can to reduce the amount you need to borrow, but you still have to take on some loans.

    Student loans will come in two broad categories: federal student loans and private loans. With federal student loans, the U.S. government is your lender. Thanks to various laws, money lent by the government comes with provisions to help you manage your student debt, such as fixed, relatively low-interest rates, grace periods, and flexible repayment plans.

    With private loans, a bank or some other institution is your lender. The company you borrow the money from sets the rules on repayment and they’re not as generous as Uncle Sam.

    To help you navigate the various types of student loans out there, we’ve created this handy-dandy chart:

    Determining Your Eligibility for Federal Student Loans

    To be eligible for any federal student loan, you must meet a few baseline requirements. Most are what you’d expect: graduate high school, be enrolled or accepted to an accredited college, have a valid Social Security Card.

    The one eligibility requirement that I didn’t know about and that is unique to men is that you have to be registered with the Selective Service if you’re between the ages of 18 and 25. Uncle Sam won’t give you any loans unless you’re willing to be drafted into World War III.

    If you meet the above requirements, then you just need to fill out and submit a Free Application for Federal Student Aid (FAFSA). You can submit applications for the fall semester after January 1. The earlier you submit your FAFSA application, the better. It takes awhile to fill out, so look to set aside about an hour if you’re a first-time applicant.

    When Do You Have to Start Paying Back Your Student Loans?

    With both federal subsidized and unsubsidized student loans, you’re a given a six-month grace period before you’re required to start paying back your loan. The grace period starts after you gradate, leave school, or drop below half-time enrollment. Just remember, with unsubsidized student loans, you’ll be accruing interest during your grace period and the interest will be added to your total principal. With subsidized loans, the grace period is interest-free.

    When it comes to student loans, a little knowledge goes a long way. Do what you can to reduce the amount you borrow, understand the nature of the loans you’re taking, and start thinking now about how you’ll pay them back after you get your sheepskin.

    If you’ve already graduated and are having trouble making your loan payment, on Thursday we’ll offer you some tips on paying back that debt.



    Bank of India Home Loan Interest Rates 2017 – EMI Calculator online – Deal4loans, bank of baroda home loan.#Bank #of #baroda #home #loan


    Bank of India Home Loan Interest Rates 2017 EMI Calculator online

    Bank of India Home Loan: BOI Home Loans, Eligibility, Processing Fee, Interest rates 2017, Documents Required Bank of India Housing loan. Current Interest Rates starts from 8.40%.

    Bank of India Home Loan Details

    The Salient features Benefits Why to choose Bank of India Home Loan Schemes:

    ✓ To purchase/construct house/flat/renovate/extend/repair existing house/flat.

    ✓ Maximum loan amount is Rs.3 crores and repayment ranges upto 30 years, with reasonable processing charges. No commitment /administrative charges.

    ✓ Attractive home loan interest rates according to Available in Industry.

    ✓ Option for different EMI amounts for different periods during tenure of loan to suit customers repayment capacity.

    ✓ No prepayment charges under floating rate option

    ✓ Interest is calculated on daily balance basis which is of great advantage to customer as it results in lower interest amount.

    ✓ Simplified application form/procedures for convenience of customers, and speedy approvals.

    ✓ Life Insurance Cover to borrowers for Loan Protection(optional)

    ✓ Free Personal Accident Insurance cover (Renewed at banks discretion)

    Eligibility Criteria for Bank of India Home Loan

    Salaried employees, Professionals, Self-employed persons. Requests are also considered from NRIs, PIOs, HUF, and Prop. Firm, Partnership firms and corporate

    Latest Interest Rates of Bank of India Home Loans 2017

    STAR HOME LOAN SCHEME – Interest Rates are 8.55% for women, 8.60% for others

    STAR DIAMOND HOME LOAN Interest Rates are 8.55% for women, 8.60% for others

    STAR SMART HOME LOAN Interest Rates are 8.55% for women, 8.60% for others

    PRADHAN MANTRI AWAS YOJANA Interest Rates are 8.40% for women others.

    Bank of India Home Loan EMI Calculator

    Enter your required loan amount, Interest Rates No. of repayment years and click calculate answer in front of you within seconds.

    Other Attractive Features

    ✓ Interest on Daily Reducing Balance Basis

    ✓ No Pre-Payment Charges on Floating Rate Loans

    ✓ Facility for step up/ step down EMIs

    ✓ Inclusion of notional rental income in case of 2nd House and also Employees staying in Staff Quarters;

    ✓ Inclusion of Income of Close relatives for enhanced loan

    ✓ Tax Benefit on Interest and Installments repaid in Home Loans

    ✓ Facility for 100% loan irrespective of stage of construction OR Bridge Loan subject to conditions:

    Available Products of Bank of India:



    The Different Types of Loans: A Primer, types of loans.#Types #of #loans


    The Different Types of Loans: A Primer

    The other day a friend of mine asked me about different loan types, as she was on her way to the bank to consolidate some high-interest credit card debt. I was surprised at the seemingly elementary questions she was asking she is an intelligent well-established gal who is pretty good with numbers (the credit card debt is another story).

    It made me realize that maybe she is not alone. Although you may know what the various debt vehicles and loan types are, do you know all their inherent characteristics? If you re not sure, here is a loan primer to refresh your knowledge.

    Secured vs. Unsecured

    All loans, no matter what they are, are either secured or unsecured.

    Secured Loans

    These are secured (or borrowed) against an asset you own, such as your home, which is offered up as collateral. Ultimately if you default on the loan, the bank will get their money back by way of foreclosing your house (or otherwise seizing the collateral).

    The interest rate should be very low (and often negotiable), hovering close to prime rate. The better your credit rating is, the more bargaining power you have with the terms, including loan amount and repayment period.

    Payment terms are flexible, and can even be structured as interest-only.

    If the loan is secured against the equity in your home, the application process usually involves a drive by appraisal of your home and some legal fees, that together amount to a few hundred (up to a thousand) dollars. As such, it s usually best to apply for a higher loan qualification amount than you think you need (as long as you know yourself well enough not to get into more debt unnecessarily). This way if you wish to borrow more money later on, new appraisals and legal fees can be avoided.

    Examples of secured loans:

    • Car loans
    • Boat (and other recreational vehicle) loans
    • Mortgages
    • Home equity loans
    • Home equity lines of credit

    Unsecured Loans

    These are (as they sound) not secured against any assets. The bank can only utilize collectors (and freeze your accounts) if you default.

    The loan amount granted is largely attributable to your credit history and income/assets/debts at the time of application. There is a considerably higher assumption of risk on the bank s part with an unsecured loan. Thus, the interest rate is much higher.

    Examples of Unsecured Loans:

    • Personal loans
    • Personal lines of credit
    • Student loans
    • Credit cards/department store cards

    Loan Types

    There are a few different ways the bank can lend you money.

    Line of Credit

    Similar to a credit card,you are given a maximum allowable balance, and each month you can borrow as much as you wish from the line of credit up to the maximum.

    Monthly minimum payments vary from a percentage (e.g. 3%) of the outstanding balance (as for most unsecured lines of credit), to as little as interest only (as for some secured lines of credit).

    You can pay as much as you wish above the minimum payment amount, whenever you wish.

    Some lines of credit come with checks, or can be linked to your bank card for debit transactions.

    Can be secured or unsecured.

    Conventional Loans

    Conventions loans include personal loans, home equity loans, car loans, etc.

    The repayment terms and amortization is pre-determined and consistent. For example, a $5,000 loan payable over 3 years in equal payments at 8% interest.

    You cannot add to this loan without applying for a new loan entirely.

    You can usually pay off the loan faster than schedule without penalty.

    Monthly minimum payments will often be higher than they would with a Line of Credit, due to the shorter amortization (period of time to pay it back).

    Can be secured or unsecured.

    Mortgage

    Mortgages are always secured loans, with the collateral usually being real estate. They are for large amounts of money, and are payable over long periods of time.

    Maximum amortizations (repayment periods) for a mortgage range from 25 to 30 years, depending on where you live.

    You can borrow up to a certain percentage of the appraised value of the property, subject to some restrictions and insurance provisions.

    Interest terms can be either fixed or variable. Fixed interest locks your rate in for a fixed period, typically five years. Variable interest rates will fluctuate with the prime rate, and have little to no lock-in period.

    The penalty to break a fixed rate mortgage mid-term can be outrageous. So if the interest rates go down dramatically, you are stuck with the rate you have until the term (e.g. five years) is up. On the flip side, if the interest rates go up dramatically, your interest rate is protected for the duration of the term.

    All the interest is paid up front. In the first few years of having a mortgage, almost all of your payments are comprised of interest, with only a few dollars reducing the principal. It is not until the later years of a mortgage that the reduction of your principal loan amount picks up momentum.

    Althoughp you can t always repay as much as you wish, you can usually make additional payments which directly reduce your principal loan amount.

    Credit Cards

    Known in some circles as the antithesis of all things good and pure, credit cards tend to get a bad rap. Depending on how they are used and abused, they can admittedly be bad news.

    You are allocated a maximum balance, with freedom to charge as much or little to it within the limit.

    Standard credit cards are always unsecured, so the interest rate is high: usually 9-19% (with the average being closer to 18%)

    The minimum payment is usually quite small expressed sometimes as a percentage of the outstanding balance, but in some cases it is little more than just the interest.

    Ifyou pay off the balance in full before the due date, you are not usually charged any interest (this depends on the credit card).

    Each type of debt serves a specific purpose, although they can be interchanged depending on your situation. The most important thing in managing your debt is to be realistic about what you can handle. Underestimate the amount of money you have to pay towards your debt each month to be safe, in order to avoid getting in too deep.

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    Types of loans



    Loan for Pensioners, Finance in India, Types of bank loan #1 #hour #loans


    #loans for pensioners
    #

    Loan for Pensioners

    Loans are worthwhile when someone is in immediate need of financial assistance. In earlier days senior citizens were usually deprived of regular loans because of their inability to show proof of a regular income. But the scenario has been changed now and banks are taking care of economical independence of retired individuals by offering a unique pension loan.

    Pension loans are of two types. Pensioners loan and Mortgage loan for senior citizen. Through Pensioners loan, a senior citizen can take a loan against their Pension, fixed deposits, National Savings Certificates, Kisan Vikas Patras, Life Insurance Polices and RBI Relief Bonds etc where mortgage loan demands collateral in the form of an asset such as a home or land. The maximum age limit of a pensioner to apply for a loan is 70.

    The main advantage of this loan is its low interest rate. The maximum amount of loan avail may varies from bank to bank and depends upon individuals repayment capacity. This loan shall be disbursed through Savings Bank A/c other than the account in which your pension is credited every month. Loan prepayment charges and processing fees are free. These loans can be prepaid any time without any penalty.

    Documents required for Pension Loans are:

    Proof of Identity ie; Passport Copy or Voters ID Card or Driving License etc.

  • Address Proof ie; Ration card, Telephone or Electricity Bill or Passport Copy etc.
  • Last 6 months Bank Statement or Bank Passbook.
  • Proof of Retirement and the organization last worked for, including the Pension Slip.



  • List of Private Student Loan Companies – 2014 – Private, Consolidation, Direct, Short Term Loans #best #home #loan


    #loan consolidation companies
    #

    List of Private Student Loan Companies 2014

    Be careful when selecting a bank for student loans. They are not all created equal and some are dishonest. Get several loans in writing to compare. This could be the largest purchases you will make in your life.

    Credit Unions offering student loans

    – Advanced Financial FCU

    – Credit Union of New Jersey

    – First Jersey Credit Union

    – Liberty Savings FCU

    – NJ Gateway Federal Credit Union

    – NIH Federal Credit Union

    – Raritan Bay FCU

    – Seaport Federal Credit Union

    – Tri-Co Federal Credit Union

    – United Poles FCU

    Before taking out a loan for college it is important to understand student debt and how it will affect you after graduation. Learn more at Student Debt News.

    Keep in mind all banks use credit scores to determine who is eligible and interest rates. If you or you re parents have a low credit score learn how to repair your credit legally There are companies and attorneys that are specialist in this matter. Or you can do it yourself.

    Some of the largest student loan companies include Sallie Mae and Citi Student Loans (now owned by Discover.)



    State Employees Credit Union – Home equity line of credit #loan #comparison


    #equity loan calculator
    #

    Home Equity Line of Credit

    The Credit Union offers a Home Equity Line of Credit product for primary residences and second homes for members who reside in and for properties located in North Carolina, South Carolina, Virginia, and Georgia.

    A Home Equity Line of Credit is a secured open-end loan that unlocks the value of your home allowing you to borrow against the equity. Advances up to the maximum loan amount may be made repeatedly throughout the 15-year draw period 1. subject to the terms of the account agreement. Once the loan is set up, there is no need to reapply or record a new deed of trust. Advances may be made online in Member Access, through ASK SECU, at your local branch, or by contacting the Contact Center.

    Most interest paid on mortgage loans (first and second mortgages) is deductible on itemized tax returns. The Home Equity Line of Credit is a second mortgage; therefore, you may realize substantial savings by borrowing against your home as opposed to other methods of credit. Check with your tax advisor for specific benefits that may apply to you.

    Obtain a Loan Advance from an Existing Loan 2

    Request a New Home Equity Line of Credit 2



    Instant Cash Advance Online Seems a Preferred Method of Borrowing, says CEO of One of the Lending Companies #student #loan #interest #rate


    #instant cash loan
    #

    Instant online cash advance from http://instantcashadvanceglubos.com/ proves to be a good option for people who need cash in a hurry as they celebrate their first anniversary with great success.

    (PRWEB) August 09, 2012

    No one wants to incur long-term debt, but another option for borrowing money for emergencies is the instant approval cash advance online. This is a short-term loan for up to $1,000, depending upon the borrower s ability to repay.

    The first step in getting instant cash advance loans is to fill out the payday representative s loan application and return it via e-mail. The representative then finds a lender that fits the borrower s needs and forwards the borrower s loan application to them. Approval takes just seconds and no credit check is done.

    After the representative receives cash advance instant approval, the potential borrower is requested to submit his or her banking information. Then the money is transferred into the borrower s checking account.

    A borrower can use the online instant cash advance for anything he or she chooses, whether it is for the deposit on an apartment, the down payment on a car, for medical expenses or for a much needed get-away with the family. Instant cash advance payday loans makes it possible.

    After two weeks have elapsed, the instant cash advance no credit check lender then deducts the amount of the payday loan, plus the loan fees from the borrower s checking account. The loan fee on a payday loan is usually $15 for every $100 borrowed. If this seems a little bit high, it must be remembered that there is no credit report run on a cash advance instant payday loan. It takes seconds for approval and the loan funds are deposited into the borrower s bank account within a day. A person researching various loans and loan terms would never find the traditional lending market to be so user friendly and fast.

    The requirements for getting a payday loan are few. The borrower must be at least 18 and be a U.S. citizen with a regular job for at least six months, earning at least $1,000 a month in gross income. The borrower may also be on a fixed income, such as Social Security or Workers Compensation, and receiving at least $800 per month in order to qualify for a payday loan. Once a borrower has paid off a payday loan, more loans can be taken out from the same lender in increasing dollar amounts.

    Now people who need cash for an emergency or an unexpectedly high bill have a viable option for their borrowing needs with a cash advance payday loan .

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    Guarantor financial definition of Guarantor #loan #for #business


    #guarantor loans
    #

    Guarantor

    Guarantor

    A party who will guarantee repayment or performance of a covenant .

    Guarantor

    A third party who promises to provide payment on a bond. loan. or other liability in the event of default. While many guarantees apply to debt instruments. they may also be used for day-to-day expenses. For example, a parent may be a guarantor for an adult child and promise to pay rent to a rental agency if the adult child does not do it. Banks often serve as guarantors on behalf of certain clients, but, just as often, private parties serve as guarantors and promise payment on private loans. Guarantors reduce the risk to loans and liabilities, and usually improve the credit agency ratings of bonds.

    Guarantor.

    If lenders are concerned about your income, your credit history, or other risk factors when you apply for a loan, they may require a guarantor, or cosigner.

    The guarantor signs the loan with you and agrees to pay your debt if you default. For example, lenders may fear that your income may not be high enough to meet your payments if you encounter any unexpected financial setbacks.

    Laws governing who may serve as a guarantor vary from state to state. Some states require that your guarantor be a resident of the state where you’re obtaining the loan, while others will accept guarantors from out of state as well.



    Florida Office of Financial Regulation #interest #loan #calculator


    #payday advance loans
    #

    Payday Lenders (Deferred Presentment Providers)

    A payday lender provides a short-term loan in exchange for a person’s check and a fee. The lender agrees to hold the check for a period of time before depositing it.

    In Florida, the Florida Office of Financial Regulation’s Division of Consumer Finance regulates payday lenders. You can verify a license or file a complaint on the OFR website or call (850) Its Your Money (850-487-9687), if you have additional questions.

    Consumers who take out a payday loan from a licensed lender are entitled to the following protections under Florida law:

    • A borrower may borrow up to $500 per loan.
    • A borrower may only have one outstanding loan at any time. This is tracked through a statewide database of all loans taken out.
    • The maximum fee is 10 percent of the amount borrowed plus a $5.00 verification fee.
    • The loan term cannot exceed 31 days or be less than 7 days.
    • Certain contract terms that limit a borrower’s rights are prohibited.
    • A borrower must pay a previous loan in full and wait 24 hours before entering into another loan. This period is designed to prevent loans from being rolled over into new loans and to give consumers the opportunity to consider other financial alternatives.
    • If at the end of the loan term, the borrower is unable to pay the loan in full, the loan provider must provide a 60-day grace period without additional charge. The grace period is dependent upon the borrower making an appointment with a Consumer Credit Counseling Service within 7 days and completing the counseling within the 60-day grace period.

    Remember, Before You Take Out a Payday Loan:

    • Consider alternative solutions
      • Ask about delaying or making payment arrangements on your non-interest bills such as telephone and utility bills.
      • Talk to a friend or family member about borrowing money.
      • Ask your employer for an advance on your paycheck.
      • Set aside savings each month for future emergencies.
    • Verify a license on the OFR website or by calling (850) Its Your Money (850-487-9687), option 1.
    • Especially be careful to check the license if the payday lender is doing business online. Dealing with unlicensed Internet companies makes it difficult to resolve potential problems, and these companies may be located outside the United States.
    • Be wary of other short-term products that mimic payday loans, such as installment loans, open-ended lines of credit and auto title loans, which may use automated clearing houses or electronic transfer every two weeks.
    • Comparison shop for the lowest fees and penalties.
    • Borrow only what you can afford to pay back.
    • Know when your payment is due and be sure to repay the loan on time and in full.
    • Take advantage of local non-profit organizations across Florida that are available to help you with your financial situation. Many of these organizations offer help with budgeting, credit repair, debt repayment and more. Contact your local consumer credit counseling service, asset building coalition or United Way.
    • Set up a budget. Plan for the future by making a realistic budget to help avoid the need to borrow for emergencies and unforeseen expenses. Free budgeting worksheets are available on www.mymoney.gov.


    Four Types of Debt Consolidation Loans #loans #for #people #with #poor #credit


    #debt consolidation loans
    #

    Types of Debt Consolidation Loans

    There are a few different types of loans you can use to consolidate your debt.

    Home Equity Loans

    A home equity loan is a loan that s taken out using the equity in your home as collateral. You typically must have a fair amount of equity in your home and good credit to qualify for a home equity loan. While the interest rates are typically lower than other types of loans, the drawback is that your home is now on the line for your credit card debt. If the payments become unaffordable, you face foreclosure on your home.

    Because of that it s generally not a good idea to use a home equity loan as a debt consolidation loan.

    Credit Card Balance Transfers

    A low interest rate balance transfer involves transferring all your credit card balances onto a single credit card. Low balance transfer interest rates are typically promotional rates that expire after a certain period of time. If you choose this option, make sure you know when the low rate will expire and the interest rate that will go into effect. If you want to use a credit card balance transfer as a debt consolidation loan, you ll need a credit card with a large enough credit limit to hold all your credit card debt.

    Continue Reading Below

    There could be a downside to consolidating debt with a balance transfer – a hit to your credit score. Putting too much debt on one credit card could have a negative impact on your credit score as your credit utilization goes up.

    Personal Loan

    Personal loans can be used as debt consolidation loans. A personal loan is an unsecured loan that has fixed payments over a fixed period of time. Once you re approved for a personal loan, you can use it to consolidate your debts. Depending on your credit rating, you could have trouble getting approved for a personal loan. If you have bad credit you may be approved but at a higher interest rate, or you may not be approved at all.

    Debt Consolidation Loans

    Debt consolidation loans are offered by banks and credit unions for the sole purpose of combining your debts. Debt consolidation loans vary, so it s important that you choose wisely. Debt consolidation loans ideally have a lower interest rate than the rates you re currently paying. They allow you to lower your monthly debt payments by increasing the repayment period.

    Choosing a Debt Consolidation Loan Type

    Know that with a debt consolidation loan, you re not really getting rid of your debt. Instead, you re simply shuffling it around so that it becomes easier to pay. You ll feel like you have less debt and may be tempted to borrow more. Practice discipline and avoid borrowing until after your debt consolidation loan has been completely repaid. Even then, it s important that use good judgment in taking on additional debt.



    Student Loans – UW Credit Union (UWCU, University of Wisconsin Credit Union) #grad #school #loans


    #private student loan consolidation
    #

    Refinance Your Loans

    If you’re done with school, consolidate your student loans into one easy, convenient payment, or refinance to a lower rate. Consolidate up to $60,000 in outstanding private or federal student loans, and take up to 15 years to repay. Choose the low rate that best fits your needs Variable Rate as low as 2.83%. Fixed Rate as low as 6.74%. 1

    *Variable Rate: 2.73% annual percentage rate (APR). The APR assumes that you will be in school for 4 years and have a 6-month grace period before repayment begins. Borrowing $10,000 at 2.83% accrues $1,273.32 in interest during 4 years in school and the 6-month grace period, resulting in 2.73% APR. Rate is variable and can change quarterly. For further information on rates and costs for the Variable Rate Private Student Loan, see the Application Truth in Lending Disclosure. Fixed Rate: 6.37% annual percentage rate (APR). The APR assumes that you will be in school for 4 years and have a 6-month grace period before repayment begins. Borrowing $10,000 at 6.74% accrues $3,000.48 in interest during 4 years in school and the 6-month grace period, resulting in 6.37% APR. For further information on rates and costs for the Fixed Rate Private Student Loan, see the Application Truth in Lending Disclosure. You will be required to review the Application Truth in Lending Disclosure prior to submitting an application. For both Private Student Loans, the APR can differ from the interest rate as it considers fees paid to obtain the loan, your interest rate, if payments are deferred and reflects the cost of the loan as a yearly rate. You are not required to make payments on your loan while in school, although you may make principal and interest payments any time. Making payments while attending school will lower your APR. The minimum loan amount is $1,000. Your interest rate will be determined by your credit score or your cosigner’s, whichever is greater.



    Division of Pensions and Benefits #consolidation #loans


    #pensioner loans
    #

    INTEREST RATE AND ADMINISTRATIVE FEE

    Loan Applications Received During Calendar Year 2015

    Interest is charged on a loan at a commercially reasonable rate set annually by the New Jersey State Treasurer.

    • For eligible borrowers, the interest rate for loan applications received in 2015 is 5.25% per annum on the declining balance of the loan.

    An administrative processing fee also applies to all pension loans.

    • The administrative processing fee is $8.00 per loan.

    The interest rate for 2015 is determined using the Prime Rate as of December 1, 2014 plus two percent. The administrative processing fee is set annually and is based on the actual costs associated with administering the pension loan program.

    The loan interest rate is fixed annually, so if you borrow in 2015 you will have the same interest rate for the life of your loan unless you borrow again after the 2015 calendar year has ended. Every time a member borrows against their available loan balance, the entire outstanding balance is re-certified for the current year’s interest rate.

    For complete information about pension loans see Fact Sheet #81. Pension Loans Adobe PDF (33K)

    APPLICATION INSTRUCTIONS

    PAPER LOAN APPLICATIONS ARE NO LONGER ACCEPTED

    PERS, TPAF, PFRS, or SPRS members must submit loan requests using the Loan Application programs of the Member Benefits Online System (MBOS) or the Automated Information System at (609) 292-7524.

    When using MBOS or the Automated Information System you can determine your eligibility to borrow, the maximum amount you may borrow, and calculate various repayment options. Upon application you will receive confirmation that your Loan Application is received along with the date your loan check will be mailed.

      Registered Users, Log on to MBOS and Apply Now . or Register for MBOS !

    AUTOMATED INFORMATION SYSTEM

    Now with Interactive Voice Response Technology – available 24 hours-a-day! 7 days-a-week!

    • Call the Automated Information System at (609) 292-7524 from your touch-tone phone. Please have your Pension Membership Number or Social Security number available when you call.

    ALL LOANS MUST BE REPAID WITHIN 5 YEARS

    Internal Revenue Service regulations require that all loans taken after January 1, 2004, have a maximum repayment schedule of five years.

    If you have an outstanding pension loan balance and plan take another loan, you must repay the combined balance of the original loan and all subsequent loans within five years of the issuance date of the FIRST LOAN. Find out more about multiple loans.

    For complete information about pension loans see Fact Sheet #81. Pension Loans Adobe PDF (33K)

    LOAN ELIGIBILITY

    WHEN CAN I BORROW

    You Must Have at Least Three Years of Service Credit and Contributions Posted to Your Pension Account. Pension credit is posted to your account on a quarterly basis. It normally takes 45 days after the end of a quarter for your membership credit to be posted to your account.

    You Must Be an Actively Contributing Member. Only members who are actively working and making pension contributions may take a loan. If you have recently returned to work after a leave of absence without pay or have changed employers within the last six months, your employer must certify the bottom portion of the loan application that you have returned to employment.

    HOW MUCH YOU CAN BORROW

    The minimum amount you may borrow is $50. Loans then increase in multiples of $10. You may borrow up to one-half of your posted pension contributions to a maximum of $50,000, when added to the highest balance due (without interest) during the prior twelve month period for all loans from employer provided retirement plans other than PERS, TPAF, SPRS, and JRS. This includes retirement plans that an employee may have an interest in due to his or her employment relationship with New Jersey and/or any other governmental plans sponsored or administered by a public sector employer in New Jersey. Amounts received in excess of the maximum permitted by the IRS shall be declared a deemed distribution and subject to additional tax. You must indicate if you have any additional loans when taking a loan.

    NUMBER OF LOANS PER YEAR

    You may borrow twice in any calendar year. This is determined by the date of the loan check, not the date of the request. For example, if you make a request for a loan on December 28, 2012 and the check is dated January 2, 2013, the loan is considered your first for the year 2013.

    For complete information about pension loans see Fact Sheet #81. Pension Loans Adobe PDF (33K)

    LOAN REPAYMENT INFORMATION

    REPAYMENT AMOUNT

    The minimum deduction toward repayment of any new loan is equal to the normal pension contribution rate of your salary at the time you apply for the loan. In most instances, your minimum loan repayment amount will be the same whether you borrow $500 or $5,000; however, the repayment of a larger loan will continue for a longer period of time than for a smaller loan.

    Note: Chapter 78, P.L. 2011, the Pension and Health Benefit Reform Law, increased the pension contribution rates for retirement system members find out more here .

    The maximum deduction toward the repayment of your loan is 25% of your base salary.

    LOANS MUST BE REPAID WITHIN FIVE YEARS!

    IRS regulations require that all loans taken after January 1, 2004, have a maximum repayment schedule of five years.

    MULTIPLE LOANS

    Members who take multiple loans must repay the outstanding balance of the original loan and all subsequent loans taken before the original loan is completely paid off within five years of the issuance of the first loan.

    If you have an outstanding loan balance and wish to take another loan before your current balance is paid off, you may still apply for a loan using any of the available methods, but the repayment amount may be substantially higher, to ensure full repayment of the total loan balance within five years of the issuance of the original loan. Furthermore, the new loan amount may be reduced, or the loan request may be rejected, if the payroll deductions required to repay the loan within this five-year period would exceed the 25% of pay restriction in State law.

    For more information see the poster,

    Have You Taken a Pension Loan Since January 1, 2004 Adobe PDF (50K)

    CANCELING A LOAN

    If you are not satisfied with the loan amount or the repayment schedule when you receive your check, you may cancel the loan by returning the original unmarked and uncashed loan check.

    Note: By cashing the loan check you are agreeing to the loan amount and the terms and conditions of the repayment schedule.

    When a loan check is returned, the funds are deposited back into your pension account and any remaining loan balance will be recertified using the current interest rate. The returned funds may again become available to borrow after the next quarter is posted.

    TIMELY REPAYMENT

    IRS regulations require members to make timely payments toward outstanding loan balances. If you take a leave of absence without pay for more than three months, you will be notified of non-payment toward the balance of your outstanding loan and offered the choice of making a lump-sum payment for the balance and interest; or repayment of the loan through monthly installments through personal billing.

    The number of loan payments and the amount of interest is dependent upon continuous repayment. If you are off payroll for any reason and your loan deductions are not remitted as scheduled, your loan balance will accrue additional interest. It is important that you notify the Division of Pensions and Benefits immediately upon your return to payroll so your loan plus additional accrued interest can be recertified. Failure to notify the Division in a timely manner will cause additional interest to accrue.

    FAILURE TO REPAY

    Failure to repay a loan as scheduled may result in the unpaid loan balance being declared a taxable distribution. If the loan is determined to be in default, the loan will be considered a distribution from your pension account and reported to the IRS. For the tax year in which the default occurs, the Division of Pensions and Benefits will send you a Form 1099-R for tax filing purposes in January of the following year.

    For Additional Loan Regulations and Information see Fact Sheet #81. Pension Loans Adobe PDF (33K)



    Definition of Guarantor Loans #compare #home #loans


    #guarantor loans
    #

    Other People Are Reading

    Basics

    Like guarantors, co-borrowers or cosigners hold similar roles by minimizing a lender’s risk of extending credit. For instance, if a student received a Federal Stafford Loan and defaulted (did not pay in full), then the federal government will compensate the lender. Some federal student loans represent a type of guarantor loan as the federal government guarantees that lenders will be paid. Private student loans–those not guaranteed by the government–might require a cosigner before approving a loan. Hence, the student and the cosigner are responsible for paying the loan.

    Significance

    Friends and family members can serve as guarantors. Their credit ratings, assets, expenses and references often are evaluated to determine if they qualify. The advantage is that the applicant will receive financing when the guarantor is approved. However, if the applicant defaults or fails to pay the loan, then the guarantor can become liable for the debt.

    Effects

    When faced with mounting debts, some people file bankruptcy in lieu of paying their loans. Certain loans will not be discharged through bankruptcy, such as federal student loans. Another obstacle involves business loans, such as those made by a sole proprietorship. If a business owned by a single individual takes out a guarantor loan, then the owner might be personally liable for business debts. For instance, instead of turning to the guarantor, the business might forfeit personal assets, like real estate or cars, to satisfy the debt.

    Features

    Guarantor loans affect debt-to-income ratios for both applicants and guarantors. Thus, a guarantor might not be able to get another loan if a lender considers the total debt-to-income ratio (including guarantor loans) as too high or risky.

    Considerations

    Lenders have some discretion when deciding interest rates for guarantor loans. Interest rates generally correlate to the lender’s risk assessment. If a person is considered low-risk, then the best interest rates can be available. The interest rates used on guarantor loans will be affected by the guarantor’s credit. For instance, an applicant with poor credit might qualify for a lower interest rate based on the guarantor’s credit rating and income.



    Dangers of Fast Personal Loans #payday #lenders


    #fast personal loans
    #

    Share with friends

    With anything in life, rushing through often brings severe consequences. Obtaining fast personal loans to make a purchase is no different. Even when time is short, you can take certain steps to prevent falling prey to scam artists or unscrupulous business practices.

    Why fast loans tempt borrowers

    Fast personal loans are attractive to consumers because of the right now society in which we live. A lending officer might tempt you into submitting your application with the promise of getting to leave with extra cash in your pocket. A short underwriting turnaround can also mean less time for someone checking your credit to notice the blemishes that usually lead to credit decline.

    Why fast loans cause problems

    In many cases, the lender offers you a legitimate loan product with an expedited processing period. These loans are fine, but offering fast personal loans is a way for predatory lenders to lure you deeper into debt. Instead of performing your due diligence on the loan s terms and conditions, the siren s song of quick cash distracts you from the facts. The lender knows this.

    The top sign of a questionable personal loan is a loan officer who s unwilling to discuss the specific details. Rather than providing appropriate disclosure of terms and fees, he focuses on the speed of approval. When you need money to cover your expenses, the turnaround time is important, but not the only factor in accepting the loan offer.

    Another questionable practice is targeting individuals with low credit scores for high interest loans. Yes, loans for bad credit do feature high interest rates to compensate the company for taking additional risk, but the rates and fees are not typically unreasonable in nature. Businesses that employ predatory lending practices for fast personal loans, hope you ll apply and accept the loan before you investigate the company or the terms. Because individuals with low credit scores have trouble obtaining financing through conventional methods, they may apply out of the sheer relief that they finally received a loan offer. It s only after months of paying exorbitant interest rates that they realize the mistake.

    Avoiding personal loan scams

    Always consider the logic behind any credit offer before you accept fast personal loans. If the deal sounds a little too perfect to be real, there s an excellent chance something else is going on that you don t see. Protect your finances by investigating every loan offer you receive to determine whether it s a valid option.



    Cost of a Payday Loan – Consumer Information and Prices Paid. #car #note #calculator


    #cheap payday loans
    #

    How Much Does a Payday Loan Cost?

    Annual Percentage Rate: 300%-500%+

    Also called a paycheck advance, a payday loan lets an employed person borrow a relatively small amount of cash for a short period of time (typically two weeks), to cover expenses until the next payday. The Federal Trade Commission has issued a consumer alert[1 ] calling payday loans “very costly cash” and suggesting alternatives.

    Typical costs:

    • Amounts borrowed vary from $100-$1,500, but most payday loans are for $100-$500. Fees are typically $15-$30 per $100 borrowed (or 15%-30%, if the payday loan company charges interest rather than flat fees).
    • For example, to borrow $300 with a fee of $15 per $100, the borrower writes a personal check for $345 (the amount of the loan plus the fee) and receives $300 in cash. The payday lender holds the check until an agreed-upon date, typically up to two weeks. On that date either the borrower gives the lender $345 in cash and gets the personal check back, or the lender deposits the check its checking account and the money is taken out of the borrower’s checking account. In some cases the money is transferred electronically by the lender, rather than depositing a paper check. Whichever way it’s done, the loan and fee are paid in full.
    • However, a borrower who isn’t able to repay the entire amount of loan and fee can choose to pay another $45 fee to “roll over” the personal check for an additional two weeks. If it’s difficult to pay off the entire loan, fees for extending the loan every two weeks add up quickly.
    • Because state laws vary, payday lending fees are different in each state. For example, Check Into Cash charges $10 per $100 borrowed in Oregon; $17.50 per $100 in California and Alabama; $20 in Colorado; $24 in Nevada; and $30 per $100 in Delaware.

    What should be included:

    • Payday loans are fast (typically approved in one or a few hours, and almost all go through within 24 hours) and relatively easy to obtain. No credit check or collateral is required, and the loan amounts are usually far smaller than those typically available through banks, credit unions or other lenders. Usually the borrower needs to show a photo ID and proof of employment or income (pay stubs and/or bank statements), and must have a personal checking account. Payday lenders rarely turn down an applicant who a job, ID and checking account.
    • Many payday lenders offer loans online, 24 hours a day, with supporting documents faxed to the lending company. The loan amount is transferred by a direct deposit into the borrower’s checking account and on the due date the loan and fee amount are withdrawn electronically.
    • Payday loans are for such short periods of time that many borrowers are not able to repay the debt and must roll it forward. Annual percentage rates on these loans work out to 300%-500% or more, and payday loans can be a short-term solution to what may be long-term financial problems, Consumer advocates allege that a few payday loan companies have used unscrupulous, unethical and even illegal means to collect unpaid loan amounts.
    • The Center for Responsible Lending charges that payday loans lock borrowers into a debt trap[2 ]. The center provides an example[3 ] of a consumer who borrows $300 with a $50 fee and rolls the loan forward nine times (the average per year per borrower), paying $450 in fees while still owing the original $300 loan amount. However, the Community Financial Services Association, a trade organization that represents the interests of the payday lending companies, asserts that such charges are myths.
    • Payday loans or paycheck advances are illegal in some states, and other states limit the maximum loan amount. Credit.com summarizes payday loan regulations[4 ] by state.

    Related Costs: Line of Credit. Credit Card. Credit Report

    Additional costs:

    • If a borrower doesn’t have enough money in his or her checking account when the lender deposits the personal check, the borrower will be charged bounced check fees (typically $20-$40 per check) by the bank and by the payday lending company.

    Shopping for a payday loan:

    • Payday loan and paycheck advance companies advertise heavily in all media — radio, television and online. If a payday loan appears to be the best way to cope with unexpected expenses, Community Financial Services Association of America[5 ]. the payday lending organization, suggests choosing a lender who follows its code of best lending practices[6 ] .
    • The Consumer Federation of America offers consumer help[7 ]. suggesting ways to cope with a cash-flow gap[8 ] without borrowing.

    What People Are Paying – Recent Comments

    Subject: * Amount Spent: * Lending Company: Comments: Purchased (Month): Purchased (Year): City: * State: * Information about you:

    Email: * Email addresses are not displayed. Name: This is the name we’ll display with your post. Remember me *=required field.



    The Downsides of Loan Consolidation #calculator #mortgage


    #consolidating student loans
    #

    The Downsides of Loan Consolidation

    Some of the advantages were covered on other pages, but there are a few possible downsides to student loan consolidation that we need to mention, too. For example, extending payment time or restructuring a loan can mean more money paid over the long-term or accruing fewer benefits from paying through traditional channels.

    Here are a few things to consider before consolidating student loans:

    • You lose any grace period built into a loan structure if you consolidate too early. Let’s say you decide to lump all your loans together the month after leaving college. The interest rate drops a tiny bit, but before your resume even reaches prospective employers, you have to begin paying your loans. Remember, consolidation rests the loan clock — sometimes for the better and sometimes for the worse.
    • Certain loans, like the Perkins loan. have interest benefits within a tax structure. When you consolidate a Perkins loan, you lose those benefits, as well as the grace period, if consolidation occurs early.
    • You may adversely affect your extended repayment options.
    • You can only consolidate student loans a limited number of times — usually only once.

    Loan consolidation is never cut and dried. It’s a financial tool that comes with risk, and you have to determine how that tool is properly used to use it to your benefit. In addition to the above considerations, there are other smaller yet still significant concerns as well.

    Many lenders offer interest reductions and discounts for using electronic debiting, timely payment and other incentives for keeping up with payments. These benefits often evaporate under consolidation. Sometimes the way interest is accrued will change as well.

    Finally, because of changes in lending, many lenders and loan servicers offer the same benefits of consolidated loans, like extended payment plans, without consolidation.

    The best way to understand the advantages and disadvantages is to talk to a financial professional, or someone who understands the ins and outs of student loans. The sources listed on the next page will serve to point a parent and a student in the right direction, but it will take a little time and effort to learn how the system really works and how it can work specifically for you.

    The best advice is to understand what you will be paying before you even consider student loan consolidation. As they said in high school, Don’t forget to do your homework. In this case, it just may get you on your way to a better financial future.

    For more information about loan consolidation and other related topics, follow the links on the next page.



    The Dangers of No Credit Check Equity Loans #easy #loans #for #bad #credit


    #no credit check loans
    #

    The Dangers of No Credit Check Equity Loans

    Beware if you encounter a lender who offers no credit check equity loans. Anytime a borrower applies for a line of credit or loan, the lender is under law obligated to check the credit history of the borrower. Since large sums of money are involved in equity lending, it presents potential risk to both borrower and lender. The lender may lose if the borrower fails to meet payment obligations and borrower will lose his/her home if payments are missed.

    Once the borrower steps into the snare, he/she soon learns that debts are increasing instead of reducing. Furthermore, some of the lenders of home equity loans present a similar trap, luring the clients in to a web of debt. Once the client agrees to the contract hidden, fees are added to the monthly installments and the client soon learns he cannot meet his monthly obligations. Therefore, when considering home equity loans be sure to do a thorough background check on the lender and company offering the loan. Read the terms and conditions, including any fine print the company has included on the contract if you want to avoid uncontrollable debt. Remember, your home is at risk, so precede with extreme caution if you do not want to haphazardly venture in financial ruin.



    Bridging Loans Calculator: Get Payday Loans Of Up To $ Overnight #www.loans.com


    #bridging loan calculator
    #

    bridging loans calculator

    Bridging loans calculator First, you must meet the requirements: Proof of work to show you as it is used for more than three months is essential. bridging loans calculator Registration information is usually displayed on the footer section of the site.

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