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10 questions on joint home loans answered! #consolidate #debt


#joint loans
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aking a home loan with your spouse? Or any other family member, for that matter?

Here are the 10 most frequently asked questions regarding this issue.

1. Must the co-owners be co-applicants?

Yes. All home loan companies insist that all co-owners be co-applicants.

But the reverse is not necessarily true. All co-applicants need not necessarily be co-owners.

2. If the apartment is in my wife’s name, can I take the loan?

You and your wife will have to be co-applicants for the loan.

If you are neither the owner nor the co-owner of the apartment, you will not be eligible for any tax benefits on the loan repayments.

10 home loan terms you must know

3. If my wife and I have bought a home, can we register it on any one individual’s name or must it be registered on both our names?

If the flat is jointly owned, it is better that it be registered jointly.

4. My spouse and I own a house with ownership being 50:50. But I am repaying the entire loan. Can I claim the entire tax benefit?

You will get the tax benefit in the proportion to your share in the loan. Here is an example:

Cost of the apartment: Rs 500

How it is paid for: 50% of your own contribution and 50% by a loan


Frequently Asked Questions – MaxCash Title LoansMaxCash Title Loans #what #is #a #student #loan


#loan max
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Frequently Asked Questions

DISCLAIMER: As our policy to make sure you know what we do and what are our limitations, we offer you these disclaimers. We are NOT A LENDER. We do not broker loans to lenders and we do not short term cash loans or credit decisions. The company who lends you money, if any, is the one to do that. Since we do not lend money directly, we cannot offer you a solicitation for a loan. What we WILL do is submit the information you provide to a lender.

Just because you give us information on this web site, in no way do we guarantee you will be approved for a car title loan or any other type of loan. We are not an agent, representative or broker of any lender we do not charge you for any service or product. Not all lenders can provide loan amounts you may see on this web site because loan amounts by me limited by state law or the lender itself may limit the loan amount on your vehicle and your ability to repay the loan. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Web Site may change from time to time and without notice.

Car Title Loans are expensive and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a loan. Rejections for loans are not disclosed to our firm and you may want to contact the lender directly.

Car Title Loan lenders are usually licensed by the State in which you reside. You should consult directly with these regulatory agencies to make sure your lender is licensed and in compliance. These agencies are there to protect you and we advise making sure any lender you receive money from is fully licensed.


Loan Agreement – Questions about Loan Agreement on JustAnswer #guaranteed #loan


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Loan Agreement

Loan agreements are legal binding documents that form a contract between a lender and a borrower. The loan agreement specifies the terms of the loan, how payments will be made, and responsibilities of both the lender and the borrower. Most loan agreements are put in writing; however, oral agreements are common. Below are some loan agreement questions that have been answered by Experts.

If you purchase a loan agreement from the individual, do you as the new loan holder have the right to negotiate new terms of the loan?

When you purchase a loan agreement, you are bound by the original terms and conditions in the agreement. However, there are laws which allow for contract modification. If you want to modify a contract, any changes made must first pass the specifications required in a legal contract. The modification must contain and offer, acceptance, and consideration.

The offer occurs when the party who wants to negotiate new terms with the loan presents the offer to change a portion of the agreement. The acceptance occurs when the other party accepts the changes or the two parties will continue to negotiate until they can agree upon a mutual agreement. Consideration occurs when one of the parties in a contract wishes to add additional changes that provide him/her with rights that were not offered in the original agreement. In order to make this work, the party who wants the additional rights must offer the other person something in return. For example, if a person has a flower shop and wanted to sell their own items in the shop, but they can’t based on the current contract, the person could offer the other party an extension on the payment terms in the contract for allowing the other party to sell their items in the store. Interest cannot be added to a loan unless the borrower agrees to the increase. If the borrower agrees to the interest increase, the other party will have to offer something in exchange for the buyer agreeing. Both parties are not required to have equal exchanges during the consideration. The law states that during the consideration, both parties must only agree on the modifications to the loan agreement.

Can a person be charged with theft by swindle if they draft a loan agreement after they have already borrowed money from an elderly couple?

The person who loaned the money would have the burden of proof that they had been tricked or conned into loaning the money. As long as the borrower is making consistent payments toward the loan, it would appear that this is in fact a loan and not a swindle job. However, if the borrower wasn’t making payments toward the loan or actually used unethical measures to acquire the loan, it may be possible that charges could be filed. As far as the agreement being drawn up after the loan, there is nothing illegal about this if the lender and borrower both agreed to and signed the arrangement. You can use bank statements to verify that you have been making the loan payments.

I am in default of a loan agreement that has a chattel agreement securing the loan with my tools. The note has an accelerated clause and the attorney is requesting the tools to be delivered. Can I file with the court to delay this action?

The only way you can remove the tools from the lien would be to file for bankruptcy. If the lender wants the tools, you will have to release them. If you try to avoid releasing the tools, the lender will take you to court. It is very likely that a judge would make you turn the tools over to the lender because you put the tools up as collateral for the loan. If you default on the loan agreement, you lose the collateral. If you know the lender is going to attempt to recover the tools, you may want to speak with a bankruptcy attorney and discuss your options. When a person files bankruptcy, all collections are stopped until the bankruptcy hearing. A bankruptcy attorney will be able to give you an idea about stripping the lien from the tools or at least having the loan modified so you can afford to make payments on the note.

Is it legal for a lender to hold a deposit that was made on a loan agreement? The lender has backed out of a loan and says it will be 30 days before they will return the deposit.

The lender cannot force you to wait 30 days for the return of the deposit. The lender is required by law to return the deposit within a reasonable time frame (7 business days) if the lender chooses to change its mind about the loan.

Loan agreements are binding contracts between lenders and borrowers that dictate the management of a loan. Many people are unfamiliar with the loan process and need answers to questions regarding loan agreements. If you have questions and are looking for answers, you should ask an Expert for answers that offer solutions to your individual situation.


Frequently Asked Questions #fast #loans


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Frequently Asked Questions

How Our Process Works:

How much can I borrow with a cash advance?

As a first-time applicant you can borrow between $200 and $600. After you pay off your first loan, you can borrow up to $700. With each successful payoff your renewal amount increases by $100, allowing you to potentially borrow up to $1,000.

How soon can I get my payday loan cash?

If your application is approved by 3:00 p.m. EST, you will receive the payday loan funds the following business day. Please verify that you have submitted the correct bank routing number and checking account number. This will enable us to get the payday loan funds to you as quickly as possible.

What if I have poor credit or have filed bankruptcy?

If you have poor credit, it will not affect the approval of your loan. However, if you have filed for bankruptcy within the past year or if you have filed multiple times, we will not be able to extend an advance to you.

How much does a payday loan cost?

The fee for advancing a payday loan is $30 per every $100 borrowed. For example, if you borrowed $300 the fees would total $90.

What is the period of time the short term, payday loan is designed for?

Payday loans are intended to be used for quick cash in the case of a financial emergency. The loan period is most often 14 days long, but may be shorter depending on when your next payday is.

How long does it take to get approved?

Depending on what time of day you apply and how quickly you complete the application process, you can be approved within minutes. However, keep in mind that we are open from 9:00 a.m. to 6:00 p.m. EST Monday through Friday. Please take these hours into consideration when awaiting a response.

What happens when my loan is due?

You will be required to submit a payment request online no later than 3:00 p.m. EST on the business day prior to your due date. Please see the “Payments” section of our FAQ page for more information regarding payment requests.

How does getting a payday loan work?

Applicants will begin the process by filling out and digitally signing our online application. Once submitted, we review your application and notify you either by phone or email regarding your status. If your payday loan is approved, you will receive the funds the next business day (as long as you are approved by 3:00 p.m. EST, Monday through Friday). All applicants will receive their status via email. Please pay close attention to all emails that you receive from us.

Do you perform a credit check?

We do not perform credit checks, but we do verify your check writing/loan history with national databases.

What is a payday loan?

A payday loan is a cash advance extended to you in between paydays, to help you with unexpected expenses. It is designed to be used for emergency financial situations. Mypaydayloan.com strives to be the #1 source for our customers’ short-term financial needs. We encourage you to use our services as a short-term solution to a financial emergency, not as a long-term debt solution.

Will I be approved for a payday loan?

Most people who meet our basic requirements are approved for a payday loan. Please see our “Requirements” page for more information.

When will my cash advance be due?

The due date for a payday loan is determined by your pay date. Payments are due every 10 to 14 days, depending on your next payday and regardless of how often you are paid. Even if you are paid once a month, your payments will still be due every two weeks with a payday loan.

How can I change my due date?

In order to change your due date you will need to contact us by phone or email.

What is a payment request and how does it pertain to my payday loan cash advance?

Every customer is required to submit a payment request online. You must agree to this before you can be approved for a payday loan. All requests must be submitted no later than 3:00 p.m. EST on the business day prior to your due date. A payment request is an electronically submitted form that notifies us how much you wish to pay when your due date arrives.

Why does my new contract have $0.00 for the amounts?

If you submit a payment request to pay your loan in full, then the contract generated will have $0.00 for the amounts. Basically, this means that on your next due date your amount due will be $0.00 because you are paying the loan off on the current due date.

What is the minimum amount I can pay towards my loan on my due date?

The minimum amount is simply the fees associated with your current principal balance. For example, if you have borrowed $300, your amount due is $390. Assuming you submit a payment request on time, the minimum amount you would be required to pay on your due date would be $90.

How many times am I allowed to extend my payday loan advance?

You are allowed to extend your payday loan as many times as necessary; however, keep in mind that a payday loan is a short-term loan that should be paid back quickly.

When will my payment hit my bank account?

The request to withdraw your payment from your account will arrive at your bank at 12:00 a.m. EST on the morning of your due date. If you do not have direct deposit, please keep this in mind when scheduling your due date.

What are my repayment options?

You have 3 payment options to choose from:

1) Elect to pay the total amount due (fees will be waived if you are a Free Loan customer) 2) Elect to pay the minimum amount and extend the loan with a NEW CONTRACT* 3) Elect to pay more than the minimum amount and extend the loan with a NEW CONTRACT* (payment will initially be applied to the fees and the remainder of the payment will be applied to the principal)

*A NEW CONTRACT means you are entering into a new loan period, which obligates you to pay the finance charge associated with your new principal balance at the end of the next pay period.

What happens after I submit a payment request?

The amount you have selected to pay will be deducted from your checking account on your due date and your account will remain in good standing with Mypaydayloan.com .

What happens if I do not make a payment request on time?

If you fail to submit a payment request by the deadline, as a courtesy, we may debit the minimum due only. However, please be aware that this is a courtesy we extend at our discretion. Per the Check Advance Agreement, you are required to submit a payment request prior to each due date to ensure that the payment amount you desire will be debited from your account.

What happens if there are insufficient funds when my loan payment hits my account?

If your payment is returned due to NSF (or Account Frozen or Account Closed), our collections department will contact you to arrange a second attempt to debit the payment. A return item fee of $25 and a late fee of $50 will also be collected with the next debit.

Will you contact my references?

We will verify all references before approving your loan; however, we will not disclose the name of our company. Please provide us with valid phone numbers and know that your personal information will be kept confidential.

Do I need access to a fax machine and printer in order to complete the loan process?

We do suggest that you print a copy of the Check Advance Agreement for your records; however, there is usually no faxing required in order to get approved.

How do I find out the status of my payday loan application?

All applicants will receive their status via email. In some cases, if more information is needed, we will contact you by phone to request the materials. Please pay close attention to all emails that we send you.

If I pay my loan in full, how long must I wait until I can apply for a renewal?

If you recently paid off your payday loan, please be aware that there is a waiting period of 5-6 business days before you can apply for a renewal. We must verify that we have successfully received your payment.

What is required to receive a renewal?

In order to get a renewal, simply submit an application under the renewal section and provide us with your electronic signature. The process is quick and easy.


4 key questions to ask when considering a cash advance #installment #loan #calculator


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4 key questions to ask when considering a cash advance

By Lisa Bertagnoli

A credit card cash advance is like grocery shopping at a convenience store: handy but expensive. It’s not surprising, then, that recession-bitten consumers are turning away from cash advances.

That’s a good thing, financial experts say. Except in the most dire of emergencies, cash advances are a bad financial idea.

That’s your highest-risk money, when someone’s using their credit card as an ATM, says Mark Berg, president of Timothy Financial Counsel, a Wheaton, Ill.-based financial planning firm.

Advances, essentially loans from your credit card issuer, are easily available in two ways: via an ATM or by cashing a convenience check. But you pay for that convenience with high fees and compounded interest rates that soar into the double digits. While some offers come with low introductory, or teaser rates, they can seduce consumers into a false sense of security, adds Heidi Albert, president of School2Life.com, a Chicago-based company that teaches money-management skills to young adults.

They say, ‘They wouldn’t have given me the money if they thought I couldn’t pay it back,’ she says.

Becoming much less popular

Given these lean economic times, it’s not surprising that cash advances have fallen out of favor. Usage dropped 35.6 percent during the first quarter of 2010 over that same period in 2009, according to payment industry newsletter Nilson Report. The decline marks the latest plunge in a downward trend, says Nilson Report publisher David Robertson.

There are plenty of possible reasons for the decline. First, they’re very expensive. According to David Jones, president of Association of Independent Credit Card Counseling Agencies, a nonprofit credit counselor accrediting group based in Fairfax, Va.

  • Interest rates on cash advances average from 1 percent to 7 percent higher than a card’s standard purchase interest rate. That means if your card’s standard APR is 15 percent, you could pay up to 22 percent for cash advances.
  • The average cash advance fee is $10 to $20. That’s on top of any interest rate charged.

Worse, consumers who take out cash advances usually give up their grace period — the period during which, on ordinary purchases, consumers can use their credit cards without incurring any interest charges, as long as they don’t carry balances. With a typical cash advance, interest is charged from the moment the cash is withdrawn.

Jones says those cash advance interest rates top 40 percent, depending on the cardholder’s creditworthiness. That’s going to drive away consumers, who since 2008 have been less willing to take on credit card debt. even if it comes with reasonable terms. Even people who are creditworthy, who have jobs, aren’t borrowing money, Robertson says.

Another reason: Given the recession, credit card issuers are skittish about high-risk customers — and most cash-advance customers fit that description, Robertson says. They’re falling — from creditworthy into something else, he says.

He adds that terms of the Credit CARD Act. the majority of which took effect in February of 2010, make it more difficult for card companies to penalize consumers who default on their loans. In other words, cash advances — a key revenue stream for credit card issuers — are becoming less profitable.

Yet he doesn’t think the decline signals the death of cash advances. It’s a cycle, Robertson says. Americans are working their way through deleveraging, and credit card issuers are figuring out how to work through the CARD Act.

Not always a bad choice

As unwise as cash advances are, financial advisers say there are times when they might be an acceptable financial choice.

One is when you’re looking for a very short-term loan.

J. David Lewis, a financial planner who lives in Knoxville, Tenn. plans to use a cash advance from his MasterCard to buy a used video camera for his 26-year-old son, a professional photographer who doesn’t have a credit card.

His son plans to buy the camera from an individual, not a store, and needs to use cash. Without his own credit card, the son has few options. The market doesn’t have a lender for that, and if it does, you wouldn’t want to cross their door, Lewis says. His son will write the monthly checks to the credit card issuer to repay the loan, a strategy Lewis hopes will introduce his son to the habit of borrowing money and repaying it in a timely fashion.

Lewis has done the math: Using a promotional deal on his MasterCard, the $2,000 cash advance will cost $2,114.74. That’s the amount of the advance, an $80 fee and a month’s worth of interest at 4.99 percent. He says the interest and fee will be reasonable — that is, if his son pays the loan back within a month. Lewis is keeping his fingers crossed. Cash advances work if you have the discipline to pay it off. If you don’t, the penalties are pretty high, he says.

A dire emergency — say your car has broken down, the mechanic will only take cash and you don’t have your ATM card in your wallet — can also make a cash advance an acceptable alternative.

Even then, think twice, says the AICCA’s Jones. It ought to be a last resort. Berg, with the Timothy Financial Counsel, agrees, saying he’d rather see clients who need money sell a few belongings than get a cash advance.

What to consider before getting an advance

With that caution in mind, Jones suggests four questions to ask before getting a cash advance:

Can I pay the money back in a month? That’s the only way to minimize sky-high interest rates, Jones says, adding that there’s really no way around the fee card issuers charge for cash advances.

Is there any other way to deal with this financial situation? Consider all options — even borrowing money from a family member, Jones advises. The only worse place is a payday loan company, he says.

Indeed, too many dips into the cash-advance waters should spark a drastic lifestyle change, says Berg. Think of what you can’t live without, wait a month and see if you’re still alive, he says. Cash advances go against the core philosophy of living within your means.

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Reverse the Future

What is a Reverse Mortgage?

A Reverse Mortgage is a type of home loan that lets you convert a portion of the equity in your home without having to sell the home, give up title or take on a new monthly mortgage payment. It is also known as a HECM. The money you receive can be used for any purpose you choose. The program has been around for 27 years and is insured by the Federal Housing Administration.

Based on the final totals in the 2015 calendar year, 945,287 Senior Citizens have benefited from the FHA insured Reverse Mortgage since the program began in 1989. Although the program has been in existence for twenty seven ears, almost one third of the loans been done in just the past five years. That total is 293,058 Reverse Mortgages. These numbers show how popular the program has become for many senior citizens in the recent past.

To learn more about how Reverse Mortgages work, please click here .

Reverse Mortgages Resources

The Seniors Home Reverse Mortgage Blog

There are many reasons to celebrate our modern day healthcare. We are living longer our quality of life is better today than at anytime in the history of the world. Doctors are performing medical procedures today that didn t exist only a decade ago! New prescription medicine is saving hundreds of thousands of lives today in the United States. On average Americans can expect to live well in to their 80s. This is a great time to be alive!

There is a downside to this wonderful news.

Latest News


Frequently Asked Questions. #loan #lenders


#90 day loans
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Frequently Asked Questions

How it works

Consumers looking for an emergency loan of $100 – $1,000 without the hassles of a credit check or mounds of paperwork, turn to payday lenders who are willing to take the risk on a short term loan. Typically these loans are for a period of four to ninety days.

Payday lenders agree to deposit the $100 – $1,000 loan into the borrower s checking or savings account, usually the same or the next day following loan approval. The borrower agrees to let the lender debit his/her account on specific future dates (almost always the date the borrower receives their income) for a specific minimum amount (usually just the fee). Borrower gets the emergency funds when he/she needs them without hassles, and lenders receive their fee (typically $10 – $30 per $100 borrowed each 14 days ) for giving the short term loan.

These loans should be paid off as quickly as possible. When stretched out over several pay-periods or more, the fees can really add up.

A borrower applies for a payday loan by providing very basic information to the loan source. Typically the list looks like this: (i) The borrower s name, address, phone numbers, and email address; (ii) some yes/no questions like: do you receive at least $500 per month income? Do you have a checking or savings account?; and (iii) information to confirm the borrower s identity (to comply with the USA PATRIOT Act) such as date of birth and social security number. Lastly, the loan source will need the bank routing number and the account number for the account into which the money should be deposited. This is also the account the lender will use to debit the money from later.

How much is the cost or fee?

90dayloans.com does not charge a fee to consumers for using our services. There is no fee charged to apply by the loan source either. Only in the event that you actually receive a loan from a lender will you incur a fee or interest charge. That amount should be disclosed to you by your lender prior to obligating yourself to a loan, so you will know your fee structure/APR before you obligate yourself to a loan.

For Example: These examples are based on a minimum 14 day loan term, regardless of early loan payoff. We estimate that the finance charges offered through the loan sources displayed on this website range from $10 per $100 borrowed each 14 days (two weeks) up to $30 per $100 borrowed each 14 days (two weeks). The corresponding Annual Percentage Rate range for this estimated range would be between 260.71% and 782.14%.

How much is the minimum payment?

You will know your minimum payment before you accept your loan terms.

Our site will match you up with several potential loan source choices. You then may choose to review them and select which one(s) you wish to apply with.

Your actual minimum number of payments, and other repayment terms should be disclosed to you by your lender prior to obligating yourself to a loan.

Generally these minimum payments coincide with your pay dates and allow you to pay more than the minimum without a penalty. How long it takes to pay the loan off is largely up to you and whether you choose to make the minimum payments, or pay more than the minimum.

Nearly all of the loan sources advertised on this website will allow payment terms of up to at least 90 days. We suggest you pay your loan off sooner than 90 days if this is possible.

For Example: These examples are based on a minimum 14 day loan term, regardless of early loan payoff. We estimate that the finance charges offered through the loan sources displayed on this website range from $10 per $100 borrowed each 14 days (two weeks) up to $30 per $100 borrowed each 14 days (two weeks). The corresponding Annual Percentage Rate range for this estimated range would be between 260.71% and 782.14% .

Paying the loan back – When do I have to pay it back?

You will typically have up to 90 days to pay off your loan. Typically payments will start on your next pay date that is at least four days away from when you apply. Specific dates can be obtained by reviewing the terms of your loan provided by your loan source.

Contact us by phone or Applying by Telephone – We’re here to help.

Our Customer Service Department is available 9:00 AM to 4:00 PM EST to answer any questions you may have by phone at (800) 719-7141. For a secure process, please complete the process online. Our online process allows you to securely and correctly enter your personal information. Providing information by phone leaves a margin of error for your information to be entered incorrectly. Get Matches Now

That said, We do have an application by telephone available 24 hours a day, seven days a week. This number is only for applying for a loan and starts with an automated process which is then continued by a live person.

This number is (866) 209-4841

Receiving another loan

You may qualify for up to $1,000 from a single lender. We will match you with up to three different loan sources. We suggest that if you do not get approved for all of the funds that you need from a single loan source, that you accept what you are approved for, and apply with another loan source that we matched you with to obtain the balance of funds that you need. Get Matches Now

How long does approval take?

Most approvals are instant, some approvals may take up to an hour. It depends on the programs of the loan source(s) that you select and qualify for. Get Matches Now

How fast will I receive my funds?

Depending on the program and loan source(s) that you select and qualify for, you could receive your funds in as-soon-as a few minutes from now, or it may take a full 24 hours. Many borrowers receive their funds within hours of applying.

What if I don’t have an email address?

Signing up for free email is very simple and will only take a matter of minutes. We are sure you will find many other occasions to use an Internet email account, such as communicating with friends, family, and classmates.


Ohio Indemnity Company Interview Questions #ohio #indemnity #company, #ohio #indemnity #company #interview #questions #and #answers


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List of Ohio Indemnity Company Interview Questions

  1. Tell me about your post-secondary experience and how it prepared you for a career with Ohio Indemnity Company?
  2. Do you consider yourself a creative thinker in the workplace or do you prefer to follow a predetermined set of rules?
  3. Have you obtained any Insurance related certifications or licenses?
  4. When it comes to Insurance, would you rather work face to face with clients, or in the background in a research and analysis based role?
  5. At Ohio Indemnity Company we prefer to hire individuals with longevity in mind. Where do you see your career 5 years from now?
  6. Do you prefer to work with clients on their business/commercial insurance needs, or health/life insurance needs? Why?
  7. The Insurance industry boasts new trends and developments quite frequently. How do you stay on top of these changes?
  8. How do you feel globalization has affected the Insurance industry?
  9. Since beginning your career in Insurance, what do you feel has been the most significant industry change?
  10. In your most recent position, what was the size of your client portfolio? Was that manageable for you?
  11. Insurance contracts can be detailed and lengthy. How do you help your clients to understand their Insurance contract?
  12. Within Ohio Indemnity Company many of our positions require a Bachelors or Masters Degree. Have you considered furthering your education in order to advance your career?
  13. How do you like to be recognized for your accomplishments?
  14. Tell me about a contribution you made to the last team you worked on.
  15. When have you had to think quickly in response to sudden change?
  16. When planning, how often do you create alternative scenarios to help you adjust to changing situations?
  17. Rate your communication skills from 1-10 with proper examples backing your given rating.
  18. Tell me about an error or mistake you made because of a breakdown in communication from you or one of your team members.
  19. What do you know about the culture at Ohio Indemnity Company?
  20. How would you describe your relationship with your customers or clients?
  21. What leadership qualities do you possess?
  22. How do you respond to feedback?
  23. What causes you to feel dissatisfied on the job?
  24. Do you think honesty is always the best policy?
  25. When have you shown great integrity at work?
  26. What are your salary expectations?
  27. Do you feel performance should be rewarded over experience?
  28. How often do you take work home with you?

Professional answers by:

Rachelle Enns
Recruiter
rachelle_enns ?>

39 MongoDB Interview Questions And Answers #mongodb, #interview, #questions, #answers, #interviewee, #interviewer, #mongodb, #web #tutorials, #javascript, #jobs, #sql, #seo, #css, #articles


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MongoDB Interview Preparation Guide

MongoDB frequently Asked Questions by expert members with experience in MongoDB. These questions and answers will help you strengthen your technical skills, prepare for the new job test and quickly revise the concepts

39 MongoDB Questions and Answers:

MongoDB is a cross-platform document-oriented database. Classified as a NoSQL database, MongoDB eschews the traditional table-based relational database structure in favor of JSON-like documents with dynamic schemas, making the integration of data in certain types of applications easier and faster. Released under a combination of the GNU Affero General Public License and the Apache License, MongoDB is free and open-source software.

Is This Answer Correct? 69 Yes 0 No

Examples: MongoDB, Cassandra, CouchDB, Hypertable, Redis, Riak, Neo4j, HBASE, Couchbase, MemcacheDB, RevenDB and Voldemort are the examples of NoSQL databases. Read in detail.

Is This Answer Correct? 40 Yes 0 No

MySQL and MongoDB are both free and open source databases. MySQL and MongoDB have a lot of basic differences in terms of data representation, querying, relationships, transactions, schema design and definition, normalization, speed and performance. By comparing MySQL with MongoDB, we are comparing Relational and non-relational databases.

Is This Answer Correct? 39 Yes 0 No

MongoDB and CouchDB are both document-oriented databases. MongoDB and CouchDB are the best examples of open source NoSQL database. Aside from both storing documents though, it turns out that they don’t share much in common. There are a lot of difference between MongoDB and CouchDB in terms of implementation of their data-model, interface, object storage, replication methods etc.

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Following features of MongoDB make it best NoSQL database:

Document-oriented
High performance
High availability
Easy scalability
Rich query language

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There is extra memory mapped file activity with journaling. This will further constrain the limited db size of 32 bit builds. Thus, for now journaling by default is disabled on 32 bit systems.

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Each journal (group) write is consistent and won’t be replayed during recovery unless it is complete.

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MongoDB includes a database profiler which shows performance characteristics of each operation against the database. Using the profiler you can find queries (and write operations) which are slower than they should be; use this information, for example, to determine when an index is needed.

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MongoDB stores BSON objects in collections. The concatenation of the database name and the collection name (with a period in between) is called a namespace.

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5 Things You Should Bring to a Divorce Consultation – Law and Daily Life #questions #to #ask #a #divorce #attorney #at #consultation


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5 Things You Should Bring to a Divorce Consultation

What should you bring to your divorce consultation?

Before you hire a divorce attorney, you ll likely have a consultation during which the attorney can size up your case and answer your questions. But you shouldn t arrive to your divorce consultation empty-handed, otherwise your potential attorney may have little to say about your case.

Come prepared to your divorce consultation with at least these five things:

1. A List of Questions.

You ll want to get some good information about the attorney you may hire to handle your divorce, so don t be afraid to have a list of questions you d like to ask .

Whether it s a hard copy or digitally available on your smart phone, you ll probably want to ask about your attorney s experience, the potential cost of your divorce matter, and how long the whole thing may take.

Your attorney will eventually ask you for things like pay stubs to determine how much money you and your spouse are bringing in. Most people seeking a divorce aren t looking to waste time, so cut to the chase: Try to bring at least three months worth of paystubs from you and your spouse to the divorce consultation. These can go a long way in making an initial estimate on alimony .

Perhaps even more useful than pay stubs, tax returns can give a more comprehensive look at you and your spouse s financial situations. This is especially true if you didn t always file a joint tax return each year .

4. Prenups, Birth Certificates, and Other Legal Documents.

You may have amassed a ton of legal paperwork that relates to your marriage, but you should probably bring:

  • Any prenuptial agreements ,
  • Children s birth certificates,
  • Documents from any prior legal proceedings involving your spouse or children,
  • Any separation agreements. and
  • You and your children s identifying information (Social Security cards and/or passports).

These documents will help your attorney get a better feel for your story during your divorce consultation, and can help him or her make a better estimate on your divorce timeline.

5. Any Incriminating Evidence.

If there are incriminating videos, photos, social media postings. or notes that relate to the divorce (e.g. cheating, abuse, etc.), you ll want to bring that evidence to the consultation as well. Keep in mind, however, that most divorce cases today are no fault divorces ; that means things like adultery may not necessarily affect the outcome of your case.

In addition to bringing these five things, you ll also want to bring an open mind to your divorce consultation. You may have some idea of what you want out of your divorce, but you need to be open to the expert advice of your prospective divorce attorney.

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