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Home Network Router Security Secrets > Turn off UPnP #setting #up #a #dmz


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Home Network Router Security Secrets

Most people who install a home network never delve inside the netherworld of security settings on their router. Who can blame them it s about as frightening as putting your hand in a shoebox full of rabid gerbils. Nevertheless, it s worth the effort if you know what you re doing.

That said, here are 10 router settings you can use to make your network more secure. For the purposes of this article, I used a popular router, the DLink DI-524, to show you how to engage the features, because this router doesn t bite usually.

To use these features, you need to get inside your router and access its control panel. To do this, type the router s internal IP address into your web browser on a computer on your network like this address for DLink routers: http://192.168.0.1. For Linksys routers, it s http://192.168.1.1. and http://192.168.2.1 for several other brands. Check your router s manual if none of these work for you, or look for the Default Gateway IP address when you use the ipconfig /all command (mentioned in tip #5).

1. Turn off UPnP.

UPnP, or universal plug and play. is a handy feature that lets devices on your network self-configure on a network, but it s also a security hazard. A Trojan horse or virus on a computer inside your network could use UPnP to open a hole in your router s firewall to let outsiders in. So it s a good idea to turn off UPnP when not in use. To do that, click the Tools tab then the Misc button, and click Disabled next to the UPNP listing. Be sure to click Apply to update the router with this new setting. See Figure 1 .

Figure 1 Turn off UPnP in your router to stop malware on an infected computer from opening holes in the router s firewall.

2. Change your admin password | Next Section


How to Form a LLC in Wisconsin #setting #up #an #llc #in #wisconsin


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How to Form a LLC in Wisconsin

The appropriate documents must be filed with the Wisconsin Secretary of State to form a limited liability company (LLC) in Wisconsin. In addition, an LLC in Wisconsin must register with the IRS as a condition of formation. A single person, or an unlimited number of members, may form an LLC in Wisconsin. As explained on the IRS website, a corporation, partnership, individual, foreign entity or another LLC may act as a member of a Wisconsin LLC.

Create an available business name. To form an LLC in Wisconsin, you must select a business name that isn’t in use or held in reserve by another Wisconsin business entity. As explained on the American Incorporators website, the business name of an LLC in Wisconsin must contain the words “limited liability company” or the appropriate abbreviation. Conduct a business name availability search on the Wisconsin Department of Financial Institutions website.

Prepare articles of organization. The state of Wisconsin provides LLCs with a fill-in-the-blank articles-of-organization form. To form an LLC in Wisconsin, articles of organization must be obtained from the Wisconsin Department of Financial Institutions website, in person or by mail. Provide information such as the company name and address. Indicate the name and address of an adult or business that will accept legal documents for the Wisconsin LLC. The adult or business must maintain a physical residence in the state of Wisconsin.

File articles of organization with the Wisconsin Department of Financial Institutions. An LLC in Wisconsin may form by filing articles of organization on the Wisconsin Department of Financial Institutions website. Otherwise, a Wisconsin LLC may file articles of organization by mail or in person. As of 2010, an LLC in Wisconsin must pay $130 to file articles of organization on the Wisconsin Department of Financial Institutions website. It costs an LLC in Wisconsin $170 to file articles of organization in person or by mail.

Create an operating agreement. An LLC in Wisconsin must keep a copy of its written operating agreement on the business premises as opposed to filing it with the state. As explained on the Sun Document Filings website, the operating agreement of an LLC in Wisconsin may contain information such as ownership interests and capital contributions of its members. The operating agreement may also indicate company rules such as the manner in which credit will be obtained as well as how the company will enter into contracts.

Request a federal tax ID number from the IRS. An LLC in Wisconsin may get a federal tax ID number from the IRS via phone, fax, online or by mail. Log on to the IRS website or call (800) 829-4933 to receive a federal tax ID number for immediate business use. Form SS-4 may be downloaded and printed using the IRS website. An LLC in Wisconsin that applies by fax will receive a federal tax ID number within 4 business days. It may take the IRS up to 4 weeks to process mailed applications.


Return of the liar loans: UK firms setting up in Eastern Europe offer high-risk mortgages that do not require borrowers to prove what they earn #refinance #home #loan


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Return of the liar loans: UK firms setting up in Eastern Europe offer high-risk mortgages that do not require borrowers to prove what they earn

Published: 00:06, 18 November 2015 | Updated: 08:34, 18 November 2015

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Lenders are exploiting a legal loophole by offering high-risk mortgages that allow homebuyers to get a loan without having to prove what they earn.

Money Mail can reveal how British businesses are setting up in Eastern European nations such as Estonia as a way of skirting around tough UK laws on lending money.

From January, Selfcert.co.uk, which has been founded by a British businessman in an unnamed Eastern European country, will offer self-certification mortgages to UK borrowers.

These types of deals, where the homebuyer’s income is not checked by a bank, were dubbed ‘liar loans’ following the banking crisis because borrowers fibbed about how much they earned in order to get a bigger mortgage.

High risk: Deal in which homebuyer’s income is not checked by a bank, were dubbed ‘liar loans’ following the banking crisis because borrowers fibbed about how much they earned in order to get a bigger mortgage

Today, these deals are effectively banned in the UK by the City watchdog, the Financial Conduct Authority (FCA), but 36-year-old Graeme Wingate, who owns Selfcert.co.uk, says EU rules allow financial institutions in other nations to offer their products to consumers in the UK without applying for permission from the British regulator.

The only condition is that the company must pass the lending rules of the country in which it has based itself. It is also not allowed to have a property or a branch in the UK.

Selfcert.co.uk will not be the first firm to get around the rules this way. Some peer-to-peer lending firms, which act as middle men between savers and companies that want to borrow money, are already based in Estonia but offer deals here.


FHA Mortgages – FHA Mortgage Rates: Setting The Record Straight #same #day #loan


#fha loan requirements
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Click To See Today’s Rates

Posted August 11, 2015

As Seen On

FHA Mortgages FHA Mortgage Rates: Setting The Record Straight

FHA Mortgage Rates Lower Than Conventional

For today’s home buyers who don’t have — or don’t want — to make a 20% down payment, there are a multitude of home loan options.

Low- and no-downpayment mortgages are readily available from U.S. lenders, and most will be approved with even marginal credit scores on behalf of a borrower.

One such low-downpayment option is the FHA loan .

For years, the FHA advertised its products as loans for consumers “on the margins” of homeownership; those with less-than-perfect credit scores, elevated debt-to-income ratios, or a lack of credit history.

The FHA program has evolved since its 1934 inception, though, and today, FHA loans are among the most flexible and rewarding products available to buyers and homeowners looking to make a refinance .

There are 6 common misconceptions about the FHA mortgage and you’ll want to keep these false beliefs from standing between you and a home loan approval.

Plus, with effective FHA mortgage rates  near their lowest levels of all-time, getting an FHA loan is cheaper and easier than its been in more than a decade.

Myth 1. The FHA Is A Mortgage Lender

Fact. The FHA is not a mortgage lender. It’s a mortgage insurer.

The acronym “FHA” stands for Federal Housing Administration, a government agency within the U.S. Department of Housing and Urban Development.

The FHA doesn’t make mortgage loans to home buyers or refinancing households. Rather, the FHA provide mortgage insurance to banks, credit unions, and other lenders which make loans meeting FHA insurance standards.

The FHA reimburses lenders for a portion of incurred losses in the event that their FHA-insured loans default, or go to short sale or foreclosure.

Myth 2. FHA Loans Are For First-Time Buyers Only

Fact :  FHA loans are not for first-time buyers only. FHA loans can be used by first-time buyers and repeat buyers alike.

The FHA loan is often marketed as a product for “first-time buyers” because of its low downpayment requirements. However, last decade, many U.S. homeowners have lost home equity in the housing market downturn.

These repeat buyers may have little money for downpayment — even after the sale of their former home.

The FHA will insure mortgages for any primary residence. There is no requirement that you be a first-time buyer.

Myth 3. FHA Loans Require 20 Percent Downpayment

Fact. FHA loans do not require a 20 percent downpayment.

For home buyers, FHA mortgages require a 3.5 percent downpayment with the fewest “strings” attached. This makes the FHA mortgage one of the most lenient mortgage types available nationwide.

There are very few credit restrictions with the FHA loan and the agency allows your 3.5% downpayment to comes as a gift from a family member, employer, charitable organization or government home-buyer program.

Other low-downpayment mortgage programs have eligibility requirements. The VA loan, for example, allows for 100% financing but you must be an eligible military borrower to use it.

The USDA Rural Development loan also allows 100% financing but the USDA program requires that your home be in a less-developed census tract; and that your household income is within certain limits.

Fannie Mae’s 3% downpayment program — the Conventional 97 — limits loan sizes to $417,000 and can be used for single-family residences only. FHA loans are available for loans of up to $729,750 for streamlined refinance.

Myth 4. FHA Loans Require High Credit Scores

Fact . Lenders can approve FHA loans with no credit score whatsoever.

FHA loans feature some of the flexible and forgiving credit standards of any available loan type. With an FHA-backed loan, perfect credit is not required, and mortgage lenders are expressly instructed to consider a borrower’s complete credit history —  not just isolated instances of late payments here and there.

You can get an FHA loan if you’ve recently experienced a short sale, foreclosure or bankruptcy via the FHA Back to Work program. Sometimes, a waiting period is required, but not always. Depending on your personal circumstances, you may be eligible to purchase another home using FHA financing right away.

Since 2011, FHA mortgage rates have been lower than comparable conventional products.

Note that not everyone will qualify for an FHA home loan. Borrowers with a “banged-up” history, though, have a much better chance of getting loan approval via the FHA than other government agencies.

Even if you’ve been turned down for other types of credit, such as an auto loan, credit card or other home loan programs, an FHA-backed loan may open the door to homeownership for you.

Myth 5. FHA Loans Are Expensive

Fact. FHA loans can be more expensive, or less expensive, than other loan types. The long-term cost of an FHA loan depends on your loan size, your downpayment, and your location.

The biggest cost of an FHA home loan is usually not its mortgage rate — FHA mortgage rates are often less than comparable conventional mortgage rates via Fannie Mae and Freddie Mac. The biggest cost is FHA mortgage insurance.

FHA mortgage insurance premiums (MIP) are payments made to the FHA to insure your loan against default. MIP is how the FHA collects “dues” to keep its program available to U.S homeowners at no cost to taxpayers.

MIP is paid in two parts. The first part is paid at closing and is known as Upfront MIP. Upfront MIP is automatically added to your loan balance by the FHA so no payment is required at settlement. Upfront MIP is equal to 1.75% of your loan size.

By contrast, annual mortgage insurance premiums are paid monthly, in twelve equal installments annually.

In early-2015, a new FHA MIP was released which reduces loan costs for FHA borrowers.

Annual MIP can range as high as 1.10% in high-cost areas such as Orange County, California; Potomac, Maryland; and, New York City, New York. For most borrowers, though, MIP is between 0.45% and 0.85% annually.

As compared to conventional loans with less than 20% downpayment, FHA MIP is sometimes more costly, and sometimes less so.

Myth 6. All FHA Loans Are The Same

Fact . All FHA loans are not the same. There are many “types” of FHA loans, and mortgage rates vary by lender.

As an agency, the FHA publishes and maintains minimum eligibility requirements all of the loans it insures. However, FHA lenders enforce additional requirements on FHA loans, known as “investor overlays.”

A sample of investor overlays includes raising the minimum FHA mortgage score requirement; or, requiring additional time since a bankruptcy, short sale, or foreclosure; or requiring employment verification for an FHA Streamline Refinance transaction.

Because of overlays, when you’ve been turned down for an FHA mortgage by Lender A, you should always try to apply with Lender B which may approve your FHA loan request. Plus, mortgage rates can be very different from bank-to-bank.

In addition, the FHA offers special refinance loans, home construction loans. and various benefits to eligible applicants.

What Are Today’s FHA Mortgage Rates

The FHA insures home loans in all 50 states, in the District of Columbia, and in many U.S. territories including Puerto Rico, Guam and the U.S. Virgin Islands. Whether you’re a first-time buyer or an experienced one, an FHA-insured mortgage may be your best home financing option.

Get today’s FHA mortgage rates now. Rates are available with no social security number required to get started, and with instant access to your “mortgage credit scores”.

The information contained on The Mortgage Reports website is for informational purposes only and is not an advertisement for products offered by Full Beaker. The views and opinions expressed herein are those of the author and do not reflect the policy or position of Full Beaker, its officers, parent, or affiliates.


FHA Mortgages – FHA Mortgage Rates: Setting The Record Straight


#fha loan requirements
#

Click To See Today’s Rates

Posted August 11, 2015

As Seen On

FHA Mortgages FHA Mortgage Rates: Setting The Record Straight

FHA Mortgage Rates Lower Than Conventional

For today’s home buyers who don’t have — or don’t want — to make a 20% down payment, there are a multitude of home loan options.

Low- and no-downpayment mortgages are readily available from U.S. lenders, and most will be approved with even marginal credit scores on behalf of a borrower.

One such low-downpayment option is the FHA loan .

For years, the FHA advertised its products as loans for consumers “on the margins” of homeownership; those with less-than-perfect credit scores, elevated debt-to-income ratios, or a lack of credit history.

The FHA program has evolved since its 1934 inception, though, and today, FHA loans are among the most flexible and rewarding products available to buyers and homeowners looking to make a refinance .

There are 6 common misconceptions about the FHA mortgage and you’ll want to keep these false beliefs from standing between you and a home loan approval.

Plus, with effective FHA mortgage rates  near their lowest levels of all-time, getting an FHA loan is cheaper and easier than its been in more than a decade.

Myth 1. The FHA Is A Mortgage Lender

Fact. The FHA is not a mortgage lender. It’s a mortgage insurer.

The acronym “FHA” stands for Federal Housing Administration, a government agency within the U.S. Department of Housing and Urban Development.

The FHA doesn’t make mortgage loans to home buyers or refinancing households. Rather, the FHA provide mortgage insurance to banks, credit unions, and other lenders which make loans meeting FHA insurance standards.

The FHA reimburses lenders for a portion of incurred losses in the event that their FHA-insured loans default, or go to short sale or foreclosure.

Myth 2. FHA Loans Are For First-Time Buyers Only

Fact :  FHA loans are not for first-time buyers only. FHA loans can be used by first-time buyers and repeat buyers alike.

The FHA loan is often marketed as a product for “first-time buyers” because of its low downpayment requirements. However, last decade, many U.S. homeowners have lost home equity in the housing market downturn.

These repeat buyers may have little money for downpayment — even after the sale of their former home.

The FHA will insure mortgages for any primary residence. There is no requirement that you be a first-time buyer.

Myth 3. FHA Loans Require 20 Percent Downpayment

Fact. FHA loans do not require a 20 percent downpayment.

For home buyers, FHA mortgages require a 3.5 percent downpayment with the fewest “strings” attached. This makes the FHA mortgage one of the most lenient mortgage types available nationwide.

There are very few credit restrictions with the FHA loan and the agency allows your 3.5% downpayment to comes as a gift from a family member, employer, charitable organization or government home-buyer program.

Other low-downpayment mortgage programs have eligibility requirements. The VA loan, for example, allows for 100% financing but you must be an eligible military borrower to use it.

The USDA Rural Development loan also allows 100% financing but the USDA program requires that your home be in a less-developed census tract; and that your household income is within certain limits.

Fannie Mae’s 3% downpayment program — the Conventional 97 — limits loan sizes to $417,000 and can be used for single-family residences only. FHA loans are available for loans of up to $729,750 for streamlined refinance.

Myth 4. FHA Loans Require High Credit Scores

Fact . Lenders can approve FHA loans with no credit score whatsoever.

FHA loans feature some of the flexible and forgiving credit standards of any available loan type. With an FHA-backed loan, perfect credit is not required, and mortgage lenders are expressly instructed to consider a borrower’s complete credit history —  not just isolated instances of late payments here and there.

You can get an FHA loan if you’ve recently experienced a short sale, foreclosure or bankruptcy via the FHA Back to Work program. Sometimes, a waiting period is required, but not always. Depending on your personal circumstances, you may be eligible to purchase another home using FHA financing right away.

Since 2011, FHA mortgage rates have been lower than comparable conventional products.

Note that not everyone will qualify for an FHA home loan. Borrowers with a “banged-up” history, though, have a much better chance of getting loan approval via the FHA than other government agencies.

Even if you’ve been turned down for other types of credit, such as an auto loan, credit card or other home loan programs, an FHA-backed loan may open the door to homeownership for you.

Myth 5. FHA Loans Are Expensive

Fact. FHA loans can be more expensive, or less expensive, than other loan types. The long-term cost of an FHA loan depends on your loan size, your downpayment, and your location.

The biggest cost of an FHA home loan is usually not its mortgage rate — FHA mortgage rates are often less than comparable conventional mortgage rates via Fannie Mae and Freddie Mac. The biggest cost is FHA mortgage insurance.

FHA mortgage insurance premiums (MIP) are payments made to the FHA to insure your loan against default. MIP is how the FHA collects “dues” to keep its program available to U.S homeowners at no cost to taxpayers.

MIP is paid in two parts. The first part is paid at closing and is known as Upfront MIP. Upfront MIP is automatically added to your loan balance by the FHA so no payment is required at settlement. Upfront MIP is equal to 1.75% of your loan size.

By contrast, annual mortgage insurance premiums are paid monthly, in twelve equal installments annually.

In early-2015, a new FHA MIP was released which reduces loan costs for FHA borrowers.

Annual MIP can range as high as 1.10% in high-cost areas such as Orange County, California; Potomac, Maryland; and, New York City, New York. For most borrowers, though, MIP is between 0.45% and 0.85% annually.

As compared to conventional loans with less than 20% downpayment, FHA MIP is sometimes more costly, and sometimes less so.

Myth 6. All FHA Loans Are The Same

Fact . All FHA loans are not the same. There are many “types” of FHA loans, and mortgage rates vary by lender.

As an agency, the FHA publishes and maintains minimum eligibility requirements all of the loans it insures. However, FHA lenders enforce additional requirements on FHA loans, known as “investor overlays.”

A sample of investor overlays includes raising the minimum FHA mortgage score requirement; or, requiring additional time since a bankruptcy, short sale, or foreclosure; or requiring employment verification for an FHA Streamline Refinance transaction.

Because of overlays, when you’ve been turned down for an FHA mortgage by Lender A, you should always try to apply with Lender B which may approve your FHA loan request. Plus, mortgage rates can be very different from bank-to-bank.

In addition, the FHA offers special refinance loans, home construction loans. and various benefits to eligible applicants.

What Are Today’s FHA Mortgage Rates

The FHA insures home loans in all 50 states, in the District of Columbia, and in many U.S. territories including Puerto Rico, Guam and the U.S. Virgin Islands. Whether you’re a first-time buyer or an experienced one, an FHA-insured mortgage may be your best home financing option.

Get today’s FHA mortgage rates now. Rates are available with no social security number required to get started, and with instant access to your “mortgage credit scores”.

The information contained on The Mortgage Reports website is for informational purposes only and is not an advertisement for products offered by Full Beaker. The views and opinions expressed herein are those of the author and do not reflect the policy or position of Full Beaker, its officers, parent, or affiliates.