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Mar 21 2019

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Mar 16 2019

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Mar 5 2019

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Feb 16 2019

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#professional #plumbing #sarasota # Your access to this site has been limited Your access to this service has been temporarily limited. Please try again in a few minutes. (HTTP response code 503) Reason: Access from your area has been temporarily limited for security reasons. Important note for site admins: If you are the administrator of this website note that your access has been limited because you broke one of the Wordfence advanced blocking rules. The reason your access was limited is: “Access from your area has been temporarily limited for security reasons.”. If this is a false positive, meaning that …

Dec 22 2017

Career Development Loan – Career Development Loans – Professional And Career Development Loan – Careers I #bad #credit #personal #loan

#career development loan # Need Career Development Loan Study Help? StudyUp can help improve your grades by enabling you to store all of your notes online, and network with other students – all for FREE! Tonya Said: Can a career development loan be included in a debt relief order? We Answered: yes Lester Said: Can anyone tell me the best place to get a career development loan ? We Answered: I do not know where you will get one but would just comment that with a recession hovering just around the corner it is not exactly the best of times …

Nov 23 2017

Stafford Loans for Graduate – Professional Students #loan #comparison #sites

#graduate school loans # Federal Stafford Loans for Graduate and Professional Students Share this page The Federal Stafford loan is a low-cost, fixed-rate federal student loan available to graduate and professional school students, not just undergraduate students. Federal Stafford loans are the most common and among the lowest-cost ways to pay for graduate and professional school. Federal Stafford Loan Benefits for Graduate and Professional School Students Low fixed interest rate of 5.84% (unsubsidized) for the 2015-2016 academic year Borrow up to $20,500 per year No payments while enrolled in school Acceptance not based on credit Federal Stafford Loan Interest Rates …

Nov 20 2017

Professional Career Development Loans #loans #direct

#career development loan # Professional and Career Development Loans A Professional and Career Development Loan (PCDL) could help you pay for learning that enhances your job skills or career prospects. It’s a commercial bank loan, so you will have to pay it back once you have left your course. However, you don’t pay interest for the period when you’re learning – the government pays this, and for one more month after you complete the course. You may be able to borrow between £300 and £10,000. Are you eligible? To qualify for a PCDL you must: be aged 18 or over …

Nov 4 2017

Texas Medical License Lawyer, Attorney, Professional License Defense #texas #medical #license #lawyer, #attorney, #tx, #texas, #medical #license, #professional, #license, #defense, #healthcare, #austin, #leichter, #medical #board, #corporate #law, #administrative #law, #law #firm

# High dismissal rate for TMB and state board complaints Former TMB Attorneys & State Prosecutors AV-RATED and Peer Reviewed Attorneys by Martindale Hubbell Firm Attorneys include Board Certified Specialists in Administrative Law, Labor and Employment Law, and Criminal Law Approved in-network counsel for major Texas insurance carriers Call for a FREE consultation Texas Medical License Lawyers The Texas medical license lawyers of the Leichter Law Firm PC are devoted to the legal representation of physicians, medical professionals (i.e. nurses, pharmacists, and dentists) in administrative licensing and healthcare matters in both state and federal disputes, regulatory inquiries and investigations, criminal …

Oct 14 2017

Earn Graduate Credit: PBS TeacherLine #professional #development, #teachers, #academic, #pbs, #public #broadcasting, #online, #interactive, #graduate, #credits, #college, #master, #coaching, #mentor, #school, #district, #administrator, #educator, #math, #science, #reading, #language, #arts, #technology, #classroom, #class, #education, #standards, #nclb

# Earn Graduate Credit Many PBS TeacherLine courses offer learners the opportunity to earn graduate credits. Depending on the course you choose, you may have the opportunity to earn graduate credit from one of our national graduate credit providers or from a local college or university. To learn more about graduate credit and CEUs for national courses, please refer to these frequently asked questions . To find which opportunities are available for your course, locate your exact course section in the course catalog and click the “View Details / Enroll” link. The PBS TeacherLine course hours determines how many graduate …

Oct 13 2017

3CX IP Phone System for Windows – VoIP Supply #3cx, #3cx #ip #pbx, #3cx #windows, #3cx #phone #system, #3cx #phone #system #professional, #3cx #phone #system #pro

# About 3CX Gear up your communications with 3CX software PBX – an IP phone system that completely replaces your proprietary PBX, supports a wide range of popular SIP phones, VoIP services/SIP trunks, and traditional PSTN phone lines. 3CX is a software-based IP PBX which allows you to enjoy Windows on premise-based IP PBX Services without having to buy an expensive, proprietary PBX appliance. 3CX can also be hosted on Linux on your own servers or in a data center. The biggest advantage of hosting 3CX on Linux is that it allows you to leverage the many data center providers …

Oct 13 2017

Penn State Online #master #of #professional #accounting, #penn #state #online #master #s #degree #programs, #penn #state #world #campus

# Master of Professional Accounting Prepare to Become a CPA with a Master of Professional Accounting Degree Increasingly complex business methods, growing sophistication in auditing approaches, new tax laws, and demand for highly technical services require that you have an expanded knowledge base to become an effective, efficient accounting professional. Becoming a Certified Public Accountant (CPA) opens doors to opportunities not only in accounting firms, but also across the business landscape. The Penn State World Campus online accounting master’s program helps you acquire the skills to successfully prepare for the CPA exam, and provides you with academic credentials to prepare …

Oct 10 2017

Hire Essay Writer Online • Custom Paper Writing Service #essay #writer, #essay #writers, #online #essay #writer, #professional #essay #writers, #essay #writer #service

# WELCOME TO YOUR ONLINE ESSAY WRITER It is just incredible how many assignments typical student has to write at school, college, university. It is very sad. Very few people appreciate existence of automated services doing scrupulous researching, writing, editing for you. Such academic companies cooperate with best professional English language essay writers for hire, selecting them with great caution. They take care of your tasks correctly, giving an opportunity of doing enjoyable things. Outsourcing homework, getting a proper sample paper from an education service that has an essay writer, does not cost much, although it takes a load off …

Oct 10 2017

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Oct 1 2017

Project Management Software, Manage Resources Globally With Online Project Management Tools from NetSuite OpenAir #professional #services #automation, #psa, #service #resource #planning, #srp, #revenue #recognition, #project #management, #resource #management, #knowledge #management, #project #accounting, #practice #management, #service #process #optimization, #spo, #pso, #esa, #time #sheet, #time #sheets, #timesheet, #timesheets, #time #tracking, #invoicing #software, #expense #tracking, #invoice

# Project Management Project Management NetSuite OpenAir project management software enables project managers and team members to collaborate on projects and maintain current and accurate project status at all times, allowing managers to proactively identify and resolve potential threats to the success of each and every engagement. The result is a significantly improved project completion record, more satisfied clients, and reduced non-billable work. Deliver Projects on Time and Within Budget Create revenue and cost estimates for engagements, and use “what if” project planning scenarios to optimize price, margin, billing rates, and staffing. OpenAir project management software enables you to view …

Oct 1 2017

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Sep 29 2017

ISACA Certified Information Systems Auditor (CISA) #information #systems, #auditor, #professional, #it, #study, #learn, #cisa

# Business and Office Career Courses ISACA Certified Information Systems Auditor (CISA) The Certified Information Systems Auditor (CISA) Certification training course from Study IT Online provides students with knowledge and skills IT Security professionals and auditors need to prepare for the CISA certification exam, including: the Information Systems Audit Process, Information Technology Governance, Systems and Infrastructure Life Cycle Management, IT Service Delivery and Support, Protection of Information Assets and Business Continuity and Disaster Recovery. The Certified Information Systems Auditor (CISA) program, sponsored by ISACA�, has been the globally accepted standard of achievement among information systems (IS) audit, control and security …

Sep 26 2017

Real Estate Professional Liability Insurance #professional #liability #insurance #for #engineers

# Main Navigation Real Estate Professionals Liability As real estate professionals, while you may be committed to your clients, they may not always return the favor. No matter the size of your business you face potential exposures as client expectations are increasing and lawsuits are becoming more common. Travelers Knows Real Estate Professional Liability Coverage is specifically designed to offer protection to real estate professionals for the array of emerging exposures you face and can help protect your firm against losses resulting from negligence, errors, and omissions in the performance of professional services. This errors and omissions policy can be …

Sep 26 2017

33 complete Virginia Tech leadership programs #division #of #administrative #services,employee #top #news,campus #and #community,top #news,blacksburg, #va.,university #organizational #and #professional #development,honors #and #awards

# 33 complete Virginia Tech leadership programs The goal of the leadership development programs is to prepare employees for leadership roles at Virginia Tech. Twelve employees have recently completed the Executive Development Institute and 21 have completed the Management Academy. Thirty-three Virginia Tech employees are being recognized for completing two of the university’s advanced leadership programs. For more than a year the group has explored core leadership competencies through interactive workshops, 360-feedback assessments, and individualized coaching. Of the 33 employees, a dozen completed the Executive Development Institute and 21 completed the Management Academy. Completion of the programs positions these employees …

Sep 26 2017

Insurance Claim Advocacy #insurance #claim #advocacy, #insurance #claim #consultants, #professional #insurance #consultants

# Specialists in Claims Mediation and Resolution for commercial & business clients Necessary and essential to a business, insurance is all too often purchased on price and or without a detailed understanding of the cover provided, rather than as a valued and thought through requirement, inevitably leading to conflict when a claim is disputed or when insurance is declined. Against this backdrop Flaxmans negotiate and settle business insurance claims, and act as expert witnesses to the judiciary and courts on matters of insurance and broker practice. In addition the company designs and implements bespoke insurance packages for businesses and organisations …

Sep 25 2017

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# Welcome to Adixsoft A digital marketing company with passion towards serving clients with inexpensive web development and web design services! Adixsoft adorns a brilliant team of passionate website development and designing professionals, who have immense experience in handling complex development and designing projects with perfection. With our dedication and commitment towards our services, we ensure to deliver our valuable patrons with high quality services that not only help in developing their online presence but also give them a base to establish their brand amidst this cutthroat marketplace. So, if you are looking for affordable website development and designing solutions …

Sep 23 2017

Professional Degree vs #professional #degree #vs #doctoral #degree

# Professional Degree vs. Academic Graduate Degree The following was obtained from the New York State education website. It makes a distinction between “graduate academic degrees and “professional degrees.” I believe this information is helpful for those people who do not know the difference. Academic degrees. Graduate academic degree programs consist of advanced studies in an academic discipline. They must have as their purpose contributions to knowledge of the subject matter, rather than specific applications of knowledge to professional practices. Master’s degree programs of this type may be terminal in nature or may also provide an introduction to research and …

Sep 22 2017

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# New York Cosmos The Cosmos want all of our supporters to enjoy their visit to a game at MCU Park. To make sure you have a safe, comfortable and enjoyable experience, we have set forth the following guidelines and supplied this information to all patrons. We encourage every one of our guests to arrive at MCU Park and enter the stadium as early as possible to avoid delays. If you haven t visited MCU Park for a Cosmos game previously, please give yourself extra travel time. Fan Promise and Expectations: Watch the match in a safe, comfortable, clean and …

Sep 21 2017

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# Professional Chinese to English / English to Chinese translation services Chinese translation to English Each project is handled through our three-step translation – editing – proofreading (T-E-P) process to assure the highest quality of delivered product, with final editing and polishing by a professional native speaker of English editor to assure that the final product reads like a document originally written in English, and not like a translation. China news monitoring and reporting If you want to know what is being said about your company, your competitors, your products or your industry in the Chinese-language press, on Chinese blogs …

Sep 21 2017

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# Residential Addiction Treatment Addiction Recovery Treatment GreeneStone Muskoka employs the best principles and practices currently available in the treatment of those with addiction. To ensure the most comprehensive and effective treatment for our clients, we treat underlying or co-occurring disorders in tandem with the treatment of addiction. Listen to Dr. William R. Jacyk – Medical Director speak about the program here at GreeneStone Muskoka Our Values Our approach is client-centered, embracing diversity and honouring the need for autonomy, independence and privacy. We have a respectful and non-judgmental attitude to people and to addictions. The treatment is in accord with …

Sep 18 2017

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# The Modesto, CA Plumbers You Need Our Modesto, CA plumbers are here for you when your plumbing system needs attention. At Rooter Pro Plumbing, we make serving our customers with quality repairs that last a priority. We can find the causes of your plumbing issues and help you get them fixed. Whether you need leak detection, hydro-jetting, drain cleaning, or any of our other full line of plumbing services, we’re ready to help with the right equipment, training, and experience to take care of your Modesto plumbing needs. Emergency Plumbing Services Finding a good plumber in Modesto can be …

Sep 7 2017

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Sep 5 2017

Executive Mba Program – Georgia State University – Downtown – Colleges – Universities #colleges # # #universities, #state #government, #miscellaneous #government, #colleges, #universities, #and #professional #schools, #government #offices #state, #colleges, #universities, # # #professional #schools, #government #offices, #school #colleges # # #universities

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Sep 4 2017

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# PMP Certification PMP Certification is the preeminent credential for Project Managers. Project Management Professional (PMP) certification demonstrates the knowledge and experience to successfully bring business and IT projects to completion. PMP certified professionals have the project management expertise and managerial skills to complete projects on time, within scope and under budget. The Project Management Institute (PMI) sets forth strict eligibility requirements before you can take the PMP exam – see the current PMP eligibility requirements below. Beyond the required education and experience, Project Management Professionals pledge adherence to a code of professional conduct, and periodically satisfy continuing education requirements …

Aug 31 2017

TIA-942 Data Center Certification #tia # #data #center #standard, #tia-942 #certified #data #center #tia-942 #certified #professional #tia-942 #certified #consultant #tia-942 #certified #designer #tia-942 #certified #auditor #tia-942 #certified #internal #auditor #tia-942 #certified #external #auditor #tia-942 #compliant #data #center #tia-942 #professional #tia-942 #consultant #tia-942 #designer #tia-942 #auditor #tia-942 #internal #auditor #tia-942 #external #auditor #data #center #certification #data #center #designer #data #center #auditor #

# A Data Centre has the option to have its compliance certification validated by TIA-942.org. A compliance certification can be issued by anyone or any company, whether qualified or not. TIA-942.org offers the service to validate the auditor’s report on compliance to verify the correctness of the audit. The validated status and what it means: Not validated – means that proof of compliance has not been submitted to www.tia-942.org for verification Validated – means that audit report has been submitted to www.tia-942.org and has been reviewed and approved for its correctness. The site will then receive the ANSI/TIA-942 compliance certificate …

Aug 30 2017

Carpet and Rug Cleaning NYC, Carpet Cleaning NYC, Rug Cleaning NYC, Westchester, Greenwich, The Hamptons #carpet #and #rug #cleaning #nyc, #carpet #cleaning #nyc, #nyc #carpet #cleaning, #carpet #cleaning #services #nyc, #professional #rug #cleaners, #oriental #rug #cleaning #nyc, #wool #rug #cleaning #nyc, #area #rug #cleaning #nyc, #new #york #city, #new #york, #long #island, #upholstery #cleaning, #drapery #cleaners, #wall #fabric, #fiber-shield #fabric #stain #protectant, #cleaning, #residential

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Aug 30 2017

Penn State Online #business #analytics #in #data #analytics #master #of #professional #studies, #penn #state #online #master #s #degree #programs, #penn #state #world #campus

# Master of Professional Studies in Data Analytics – Business Analytics Option Online Business Analytics Degree Learn how to make informed, data-driven business decisions with Penn State’s 30-credit online Master of Professional Studies in Data Analytics with an option in Business Analytics. As a student in this data analytics degree program, you can acquire the business intelligence training needed to work in positions such as business analyst, analytic system designer, or data scientist. Learn how to apply big data analytics, data mining techniques, and predictive analytics to meet your organization’s business objectives and leverage competitive advantage. The Penn State Difference …

Aug 23 2017

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# Disk Cleanup Utility To keep a PC running smoothly, regular maintenance is critical. Many users shy away from maintenance tasks, thinking it is a long, drawn out manual affair, but the Disk Cleanup Utility can easily determine which files on a hard drive may no longer be needed and delete those files. In addition to freeing up potentially significant amounts of hard drive space, using Disk Cleanup on a regular basis can significantly improve system performance. Starting Disk Cleanup Disk Cleanup is available on both Home and Professional versions of XP. The utility can be accessed using the methods …

Aug 22 2017

Professional Home Loan Modification Lawyer Get Help, Advice – Assistance #loans #for #bad #credit #people

#home loan modification # What is a home loan modification? A loan modification is a reduction of your payment by your lender. This new payment is supposed to be affordable for the homeowner and in exhange for this lower payment your bank is now saved the cost and hassle of a foreclosure sale of your home. The payment is reduced to 31 percent of the home owner s income to loan ratio, and so the program is therefore only really of any use to those home owners who have home loan payments that exceed 31 percent of their monthly income. …

Aug 22 2017

John Cole #professional #liability #insurance #law #enforcement

# John D. Cole John has more than 20 years experience as a senior insurance industry executive, serving as both chief claims officer and general counsel. He specializes in claims and legal issue management, regulatory and compliance issues, complex insurance, and mass tort litigation and serves as a certified reinsurance arbitrator. Representative Experience Advises clients on complex litigation strategy and resolution, claims management best practices, and insurance/reinsurance issues. Provides expert consultation on claims practices and mass tort exposures, including bad faith and insurance coverage disputes. Provides strategic advice on litigation exposure and management, claim best practices, and regulatory compliance. Professional …

Aug 21 2017

Professional Movers Dallas #professional #movers #dallas

# Professional Movers Dallas Professional Movers in Dallas Need An Exceptional Service Response From Professional Movers In Dallas – We Are Here. Relocation and moving from one place to other may not be avoidable for a person. And when it comes about relocation, the very first thing that catches attention is the shifting of household items and your prized pieces at home. While any transportation may be long or short, require adequate caution regarding transportation of the items safely, we as one of the most processional moving companies Dallas TX can offer you an immaculate solution with our exceptional customer …

Aug 15 2017

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# Get a Quote Don’t worry about your insurance. That’s our job. McIntire Associates in Cleveland, Tennessee, is a professional organization dedicated to providing the best insurance protection at the most reasonable price to as many people as possible. Our goal is to deliver to our policyholders the highest quality service and products available in the insurance industry. We will pursue the highest ethical standards in all our business activities. We will associate our agency only with insurance providers proven to share these same lofty standards. We will resist the temptation of low price at the expense of true value …

Aug 14 2017

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Aug 12 2017

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# Windows Server Backup Software GRBackPro Windows Server Backup Software GRBackPro is a Professional Windows Server backup software designed to easily back up your important data reliably and quickly. This top ranked business network Server backup software easily makes cost-effective Windows Server backup. This Windows backup software can run as a Service while no users are logged on making it perfect for a Windows Server installation. The integrated scheduler will runs your server backups with or without some specified conditions. It uses industry standard zip compression to save valuable disk space allowing you to use any zip compatible archiver to …

Aug 11 2017

AC, Heating, Plumbing – Electrical Services Contractor Albuquerque, NM #professional #plumbing #services

# Albuquerque AC, Heating, Plumbing Electrical Services If your furnace stops working in the middle of winter, you’re in for a cold home. That’s why Wagner Mechanical offers 24/7 emergency furnace repair, as well as heating system maintenance and new unit installation. No matter what your heating needs are, we have you covered. Our fully trained technicians are ready to help you, and we guarantee your complete satisfaction. Give us a call to get started, whether you need furnace repair, maintenance, or installation. $49 Furnace Checkup *Monday through Friday Only. Normal business hours. One coupon per household. Coupon must be …

Aug 11 2017

Contractors Professional Liability – R #contractors #professional #liability #insurance

# Contractors Professional Liability According to the International Risk Management Institute, contractors, project owners, and project professionals are increasingly interested in the niche market of contractors professional liability insurance (CPLI), according to a recent survey of insurers writing the business. Yet, less than half of all contractors in need of the coverage are buying it. Why is that? It might be that contractors don’t fully understand what the coverage is designed to do. It is important to understand that Contractors have a professional liability exposure when they perform or subcontract design, modify plans, change a manufacturer’s specifications, or provide professional …

Aug 10 2017

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# Atlanta Georgia Local Answering Service An answering service allows you to build up and maintain your loyal client base as your company grows and expands. Whenever you’re away from the office, you can feel confident knowing a trained telephone operator is handling your call with confidence. Many of today’s telephone support providers offer text, fax and email notification. These features are especially important for professionals who handle emergency calls or deal with high-end clients that require special attention. It’s always a good idea to look for a business answering service that offers customization for your company. When someone calls …

Aug 9 2017

Hosted Microsoft Exchange Email #microsoft, #hosted, #exchange, #2013, #business, #email, #uk, #data, #centre, #professional

# Hosted Microsoft Exchange Introduction Business email from £1 a month Hosted Microsoft Exchange from £3.33 a month Our Hosted Microsoft Exchange replaces the uncertainty and hassle of running an in-house business email server with the reliability of world class UK infrastructure. We accommodate everyone from sole traders, SMEs, charities and arts organisations through to major companies that require a dedicated Managed Exchange infrastructure. By choosing SMS you benefit from over 10 years expertise of email hosting and Microsoft Exchange. Plus, with every mailbox you get access to our free 24x7x365 in-house team to support you with set-up or any …

Aug 7 2017

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# Medical Coder Free Sample Resumes Free resume example for an experienced medical records coder with 10+ years of medical coding. Currently a medical coder for a hospital district handling medical coding and quality assurance for several medical centers. This candidate is a Certified Professional Coder, CPC, and this sample medical coding resume highlights a progression from a medical clerk through medical billing to her current medical coder work. Chronological resume format, and a useful medical coder resume template. Resume sample for a medical records clerk with a background that includes medical coding. This candidate has a varied background in …

Jul 31 2017

Stafford Loans for Graduate – Professional Students #car #loan

#graduate school loans # Federal Stafford Loans for Graduate and Professional Students Share this page The Federal Stafford loan is a low-cost, fixed-rate federal student loan available to graduate and professional school students, not just undergraduate students. Federal Stafford loans are the most common and among the lowest-cost ways to pay for graduate and professional school. Federal Stafford Loan Benefits for Graduate and Professional School Students Low fixed interest rate of 5.84% (unsubsidized) for the 2015-2016 academic year Borrow up to $20,500 per year No payments while enrolled in school Acceptance not based on credit Federal Stafford Loan Interest Rates …

Jun 25 2017

Professional and Career Development Loan #no #credit #check #loans

#career development loan # Professional and Career Development Loan Compare Loan Deals for Career Development A Professional and Career Development loan can help you with the extra cash you need to improve your skills, education or even to change career path. Professional and Career Development Loans can be used to fund a variety of vocational and educational courses, like NVQs and masters degrees, and can be taken out whether you are employed or unemployed. Features of Professional and Career Development Loans include: You can borrow between £300 and £10,000 The Learning Skills Council pays the interest on your loan while …

Apr 10 2017

Stafford Loans for Graduate – Professional Students #college #grants

#graduate school loans # Federal Stafford Loans for Graduate and Professional Students Share this page The Federal Stafford loan is a low-cost, fixed-rate federal student loan available to graduate and professional school students, not just undergraduate students. Federal Stafford loans are the most common and among the lowest-cost ways to pay for graduate and professional school. Federal Stafford Loan Benefits for Graduate and Professional School Students Low fixed interest rate of 5.84% (unsubsidized) for the 2015-2016 academic year Borrow up to $20,500 per year No payments while enrolled in school Acceptance not based on credit Federal Stafford Loan Interest Rates …

Apr 8 2017

Professional & Career Development Loan #peer #to #peer #lending

#career development loan # Professional and Career Development Loan To be eligible for the Career Development Loan, you must: Be aged 18 or over Be ordinarily resident in the UK for at least 3 years Have unlimited right to remain in the UK Intend to work in the European Union (EU), Iceland, Norway or Liechtenstein once you’ve finished your course Not have reasonable or adequate access to funds to pay for the course yourself Be studying full or part-time in an approved vocational course You should apply for your loan up to three months before your course starts as we …

Apr 3 2017

Instant cash loans no documents South Africa, professional services #secured #loans

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Jan 10 2017

Professional Career Development Loans #loan #modification

#career development loan # Professional and Career Development Loans A Professional and Career Development Loan (PCDL) could help you pay for learning that enhances your job skills or career prospects. It’s a commercial bank loan, so you will have to pay it back once you have left your course. However, you don’t pay interest for the period when you’re learning – the government pays this, and for one more month after you complete the course. You may be able to borrow between £300 and £10,000. Are you eligible? To qualify for a PCDL you must: be aged 18 or over …

Jan 10 2017

Professional Home Loan Modification Lawyer Get Help, Advice – Assistance #cash #now #loans

#home loan modification # What is a home loan modification? A loan modification is a reduction of your payment by your lender. This new payment is supposed to be affordable for the homeowner and in exhange for this lower payment your bank is now saved the cost and hassle of a foreclosure sale of your home. The payment is reduced to 31 percent of the home owner s income to loan ratio, and so the program is therefore only really of any use to those home owners who have home loan payments that exceed 31 percent of their monthly income. …