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What Are FHA Home Loan Requirements? | FHA First Time Home Buyer Requirements. \ Video

#What #Are #FHA #Home #Loan #Requirements? #| #FHA #First #Time #Home #Buyer #Requirements

What Are FHA Home Loan Requirements? | FHA First Time Home Buyer Requirements, NEF6.COM


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What Are FHA Home Loan Requirements? | FHA First Time Home Buyer Requirements


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Cheapest insurance for first time drivers! * Video

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Workforce Management Software Features

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Infor Workforce Management

Drive better return on your labor investment

Controlling labor costs is a key concern for organizations of every size, and in every sector. But focusing merely on cost reduction can result in diminished productivity and service levels. or even put your company at risk for failing to meet compliance requirements .

Infor Workforce Management is a comprehensive solution that aligns labor management with corporate strategy. Integrated modules address forecasting and budgeting, scheduling, time and attendance, performance management, and compliance, streamlining processes to increase efficiency while encouraging employees to focus on activities that generate more value.

Infor Workforce Management at a glance

  • Streamline and automate planning
  • Manage costs and compliance
  • Extend the reach of workforce solutions with mobility
  • Improve employee engagement
  • Optimize transactional user experience
  • Elevate visibility into workforce performance

Infor Workforce Management streamlines and automates the workforce planning process so you can accurately plan your workforce deployment. The workforce planning module helps eliminate costs, time, and errors from the budgeting and planning processes. It also integrates annual and periodic forecasting activities with weekly workforce management execution. The module features both budget creation and budget management features, and uses historical data to generate bottom-up budgets.

Time and attendance

Time and attendance

Automate your time and attendance processes to help reduce payroll costs, increase compliance with government and union regulations, and motivate employees by empowering them to manage their time at work and paid time off. The time and attendance module also allows you to validate time and labor data collection in real time, helping to control related processes and reduce overpayments and other errors.

Balances and accruals

Balances and accruals

Automate and maintain employee balance accruals and time off requests to produce an accurate staffing schedule throughout your organization.

Employee transaction manager

Employee transaction manager

The employee transaction manager provides an easy-to-use interface that fosters employee-management collaboration. Users get tools for viewing timesheets, shift trades, entitlement queries, personal data management, and job changes. Your employees can view their vacation time and other personal information, request time off, and communicate directly with managers and teammates. You can build engagement, improve communications during peak seasons, and help streamline HR costs by empowering your talent with easy access to information and common tasks.

Accurately allocate your tasks to resources-including task creation and communication, task execution and consistency, task tracking, and facility compliance.

Organizations with large workforces must not only efficiently deploy their people, but also keep employee initiatives in line with business objectives. The key to meeting this challenge is a proven solution that helps ensure appropriately skilled employees are available when the workload demands they should be—at the optimal cost to you. The scheduling solution helps you develop schedules mathematically, edit complex or temporary schedules, and automate schedule creation with multiple tools that help you meet operational demands.

You can maintain attendance history for each employee, set notifications for violations, automate leave entitlement processes, and assess the overall business impact of unscheduled absences. With the absence management module, you can also recognize individual or group patterns and proactively notify supervisors as necessary.

With the workforce mobility module, you can extend the reach of your workforce management solution by giving employees and managers the ability to perform workforce-related tasks using mobile devices. Employees can use their smartphones to check their work schedules, set shift preferences, and check work and vacation balances. Managers can edit time sheets, approve or decline employee requests, view analytics, and respond to workforce issues in real time.

With the workforce performance module, your managers get timely visibility into key workforce performance indicators, including labor spend, overtime, and attendance across all regions. The module includes management dashboards for at-a-glance views of workforce performance with real-time alerts, and also includes reporting to support decisions, perform ad hoc queries, or create customized reports to drill down on specific business needs.


Look for a First Time Payday Loan Free #guaranteed #auto #loans


#interest free loan
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Curently in the Lead:

Look for a First Time Payday Loan Free

By. Posted in Loans Borrowing on October 25, 2010 .

You may be unfamiliar with payday loans but find yourself in the situation that you need to have some cash quickly.  If you car needs to be repaired or your hot water tank has sprung a leak you may find that your budget just won’t allow any more stretching.  A payday loan might just be the answer to your short-term dilemma.  You may have heard that they charge high interest rates so you have shied away from inquiring about a payday loan.  What you may not realize, however, is that there are lenders that give a first time payday loan free .

You did read that right. There are many lenders online and at physical stores that will let first time payday loans get it for free.  While it sounds great there are going to be qualifications that you will have to meet, but if you do you could be on your way to easing a money crisis.  One parameter that most of the lenders have is that in order to receive the money for free the first time it must be paid back with your next paycheck.  There may be a limit on how much money you are allowed to borrow with the first time payday loan free offer.  It is worth looking into if you find that you need to have repairs done so that you can go on getting to work or taking a hot shower.

If you are searching for a payday loan that offers the first time free you can go online and read the comparison charts.  There are sites that are devoted to showing you the best online payday loan companies .  This list should include the fees that are charged and what happens if you can’t repay the loan on time or in full.  By reading a comparison list you can find the company that suits your situation the best.  It is always good to get several offers from a first time payday loan free company.  When you do this you can be assured that you have the best deal out there for your problems.  You do need to remember that this is a short-term fix for a short-term problem. If you can’t pay the money back in a timely manner you should seek other ways to fix your financial needs.

Applying for a first time payday loan free is very easy and in most cases is done online.  The physical stores that may be in your area often have web sites that allow you to fill in the application before you have to travel to their business.  This saves time when you need cash in a hurry.  They can get your loan approved in about twenty-four hours and you can have the money in your account the next business day.  You may be asked to fax proof of your contact information or a pay stub, but there are lenders that don’t require any of this information to be faxed to them.

When you apply for a payday loan you will have to meet certain qualifications such as being at least 18 years of age, you must have steady income, an active bank account, and be a citizen of the United States.  You won’t have your credit history checked as the loan is based on your ability to repay it, not on FICO scores.  This is one reason that these loans can be accomplished in such a short time period.  In some cases your bank account must have been active for at least ninety days and you have to have been employed for at least six months.  You may also be asked to prove that you have a monthly income of at least $1000.

You want to make sure that you have the money to repay the loan with your next pay check or you can wind up paying too much for the short term loan.  The fees for a short-term payday loan can be anywhere from $15 to $25 per one hundred dollars borrowed. If you borrow $300 you could get it for free the first time if you pay it back on time; however, if you can’t you are looking at $345 or $375 as a repayment.  There may also be other fees that could be incurred if the payment has to be rolled over.  So if you find yourself in a situation where you need short-term cash and this is your first time look for one that gives you that money for free.

You should read these too:



First Time Home Buyer #car #loan #interest #rates


#bad credit loan lenders
#

FHA Secure

First-Time Home Buyer

A Home of Your Own

Purchase

Refinance

Rent or Buy

Purchase

FHA Fixed Loans

FHA ARM Loans

Disaster Victims Program

Refinance

FHA Secure

Cash Out

Debt Consolidation

Rate Term

Streamline

About the FHA

Eligible Properties

Ineligible Properties



Get Your Fast Payday Loans Online – Don t Waste Your Time! #money #loan


#instant payday loans online
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MONNYLOANS.COM – Fast Approval Payday Loans

Monnyloans.com is devoted to fair and straightforward lending practices and does its best providing payday loan services to those borrowers who appeared in a situation of cash shortage and needs to fix it fast. We step out as a mediator company between various lenders and borrowers and we make everything possible for the most satisfactory cooperation between the two.

Fast Payday Loans are well-known short-term loans nowadays that are offered for a fixed period of time (2 weeks – 1month on average) for a fixed interest amount. It is an unsecured loan and is more expensive than regular long-term options; however, it is also easier to get due to the fact that payday lenders do not perform credit checks and are in general more lenient in their requirements.

Application is easy and straightforward; it consists of the several steps.

  • You sign in the application form;
  • You provide few simple documents;
  • We send your application to the most suitable borrower;
  • You get approval;
  • You get the money transferred to your checking account (must-have).

It is as easy as this. No credit checks and no time wasted in lines, no headaches and doubts about your chances for refusal.

Documents that lenders are very simple. They basically need:

  • The proof of your legal age (18 years old);
  • The U.S. citizenship or residence;
  • The proof of employment;
  • The proof of income (at least $1000 per/mo);
  • In some cases there can be something else but the basic list is this simple.

Advantages are numerous with such quick loans. There are many people who are actually unable to get a regular loan due to their poor credit score. This is unlucky complication that spoils life for many borrowers; and unfortunately, it is a very frequent one.

However, it is quite different with payday loans – lenders are not at all that picky and fastidious. They are quite eager to help people in an unexpected financial complication and they accept all applications without a fuss. There should be very strong reasons for refusal; and the latter are absolutely rare occurrence. You do not have to be in possession of a brilliant credit score to qualify and this is the reason why so many people choose Monnyloans.com .



Time Warner #cable #modem, #lease, #buy, #rent, #time #warner, #modem, #compatible, #approved, #supported, #certified


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Buy A Time Warner / Bright House / Spectrum
Approved Cable Modem

Time Warner / Bright House / Spectrum Compatible Modems

Modem list updated July 2017. Prices updated every hour.

Charter has now bought Time Warner and Bright House TV and internet businesses and is beginning the process of rebranding it Spectrum. You can still buy your own modems. (If you’re not in a former Time Warner/Bright House area and have Spectrum internet, go here to find modems: Charter Approved Modems .)

Below are all the modems on the Time Warner/Spectrum Approved Modem List and that can be bought at Amazon, Walmart or Best Buy. We’ve gone through all of them to find the ones that can be purchased at major retailers. (See Bright House Approved Modem List – Same as Time Warner )

If you’re paying $10 a month to rent a modem from Time Warner or Bright House, that’s $120 a year or $600 over 5 years. You can buy a new one that will pay for itself in less than one year.

Easy to install. Just call your internet company and give them the Cable Modem ID (MAC address) and drop off your old leased modem with them. (Instructions for finding your MAC Address)

Note: If you have Time Warner phone service, you can buy one of these modems for internet service. You then keep your old Time Warner modem for phone service, and Time Warner will not charge you for rental fees. Here’s a helpful link on Time Warner’s site: Instructions for connecting 2 modems (Scroll down to “Activate a purchased modem – Internet & TWC Phone Customer” and then click on “Set up and activate your modem”.) Basically you just need a splitter to run one cable to your phone modem and one to your new internet modem.

DOCSIS 3.0 Cable Modems

Time Warner, Bright House, Road Runner or Spectrum customers who subscribe to Turbo, Extreme or Ultimate Internet Service or others who want to upgrade to faster services in the future, buy any of these DOCSIS 3.0 modems (Ultimate 300 subscribers should buy the ARRIS / Motorola SB6183. SB6190 or the Netgear C6300 ). We highly recommend customers of all speed plans buy a DOCSIS 3.0 modem in order to future-proof yourself as DOCSIS 2.0 modems are being phased out. :

All of these modems are high quality and have pretty much the same features, except of course those with routers built in. So don’t worry too much about deciding which one to buy. Price should be a main factor in your buying decision. Buy one now and start saving those rental fees!

Show All Modems: Show All Modems with Downstream Channels of:

DOCSIS 2.0 Cable Modems

Time Warner, Road Runner, Brighthouse or Spectrum customers who subscribe to Lite, Basic or Standard Internet Service (typically less than $60 a month), buy any of these DOCSIS 2.0 modems. If you think you’ll be upgrading to faster internet service in the future, buy a DOCSIS 3.0 modem at the top. We highly recommend buying a DOCSIS 3.0 modem in order to future-proof yourself as DOCSIS 2.0 modems are slowly phased out.

Amazon and the Amazon logo are trademarks of Amazon.com, Inc. or its affiliates.

Comments



Web Based, Real Time Windows File Server Change Auditing and Reporting Solution and IT Compliance – Get real time email alerts on critical file changes – FileAudit Plus #audit #file #changes, #web #based #file #server #audit, #real #time #file #audit, #real #time #change #audit, #file #auditing #software, #file #audit, #real #time #file #server #change #reports, #security #and #compliance #auditing, #windows #file #server #audit, #real #time #file #server #alerts, #file #changes #auditor, #audit #file #server #infrastructure


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Real-time Windows file server auditing and analysis software

FileAudit Plus is a tool that allows real-time monitoring, reporting, and alerting of all the changes made to files and folders on your Windows file server. Additionally, it provides a detailed analysis of file storage and access attempts. It helps improve data security and information management in your Windows file server environment, so you can meet compliance requirements in a comprehensive yet simple and cost-effective way.

Highlights

The Access Audit report provides detailed information on the quintessential Four W’s who accessed what, when, and from where. The Access Analysis report provides a summary view of accesses and changes.

The File Analysis report helps isolate files that are old, unused, unmodified, large, hidden, or non-business; making data cleanup easier. The Disk Analysis report provides visual insight into disk space usage and trends, facilitating optimization of disk space.

Detect security breaches as and when they occur with alerts that get emailed instantly. Define threshold limits for mass access events such as malware attacks.

Examine share and security permissions of files and folders and prevent access exploitation.

Comply with regulatory mandates through consistent auditing and reporting of the file server environment.

Minimize incident response times

Become proactive with real-time file and folder access and change auditing. Continuously monitor and get notified about critical activities.

Other features

  • Drill down search
  • Role-based access
  • Monitor file integrity
  • Empower data owners with report automation
  • Centralize audits
  • Archive audit data
  • Enhance efficiency with exclusion
  • Snapshot view
  • Excellent usability


Step by Step guide to setup Active Directory on Windows Server 2008 #active #directory #time #server


#

RebelAdmin

Step by Step guide to setup Active Directory on Windows Server 2008

This tutorial will explain how to install AD on server 2008. This will valid for windows 2008 R2 as well.

Minimum: Single processor with 1.4 GHz (x64 processor) or 1.3GHz (Dual Core)

  • The first step is to assign a ip to the server that you going to deploy the AD. Its nessary to install it as DNS server too. So its better to have fixed ip it doesn t mean you cannot install AD without fixed ip address but it will solve lot of issues if you used fixed ip.

In here the server ip is 10.0.0.14. Since we going to make it as DNS server too you should use the same ip as the preferred DNS server.

  • Next step is to install the Active directory roles. Unlikely the older version of windows servers Microsoft highly recommend to use server manager option to install roles before you run dcpromo.
  • Click on start menu and select the Server Manager

  • Select the roles from the right hand panel and click on add roles option.

  • From the roles list select the Active Directory Domain Services role and Click Next

  • Review the confirmation and click on Next

  • Review the installation confirmation and click on Next

  • It will take few minutes to complete and when its done you will get this confirmation. And then click on Close

After that you will need to do a reboot.

After reboot please open up the server Manager again. And then click on Roles there you will see the Active Directory Domain Services is successfully installed in there. click on it then you will get a window like below.

In their please pay attention to the message

So please click on that link and it will start the DCPROMO wizard.

  • So next step to go through the DC promo wizard.
  • To start the installation click on Next
    • Since we going to install New domain Controller in new forest please select the option Create a new domain in new forest option and click on Next

    • Now we have to provide the name for our domain controller. It must be FQDN. In our case I used rebeladmin.com as the domain. Please click Next after it.

    • In this window it will ask to select forest function level. If you going to add server 2003 domain controller to your forest later don t select the function level as server 2008. If you going to use full features of 2008 Ad you must select forest function level as server 2008. In my case I used server 2008. Click on Next after the select.

    • In next window since it s the first DC we should make it as DNS server too. Leave the default selection and click on Next

    • If the wizard cannot create a delegation for the DNS server, it displays a message to indicate that you can create the delegation manually. To continue, click Yes

    • In next window it will show up the database location. It its going to be bigger AD its good if you can keep NTDS database in different partition. Click on Next after changes.

    • In next window its asking to define a restore mode password. Its more important if you had to do a restore from backup in a server crash. Click on Next after filling it.

    • Next window is giving you a brief of the installation. Click on Next

    • Then it will start the installation of the AD. It will take some time to complete. After complete of the installation perform a server reboot.

    • After the reboot now you can login to the domain. Please use the login as following example

    User name. your domain\administrator

    • Now its done and you can view the active directory options on administrative tools menu

    Hi,
    I have installed Virtual PC 2007 created the 3 Virtual Machines One is Windows 2008 Server, Win XP Win 7 respectively. In Win 2008 server i have Installed DNS i have made it as DC even DHCP is installed on it. But i need to connect between these 3 virtual machines. Without the network i am not able to proceed. How i can connect these 3 Virtual machines. Can any body help me out in this it will be vary helpful to me.
    Regards.

    Dishan M. Francis says:

    Can you explain what you mean by without network . you added virtual NIC in to these VM correct ?

    One more step to add at the very beginning for people like me who miss the blatantly obvious: Make sure your computer name is what you want it to be before you start! I followed this tutorial to set up my DC and DNS, and then followed another tutorial here [ https://www.blackbaud.com/files/support/infinityinstaller/content/installermaster/tkaddadanddhcprolestoapplicationserver.htm ] to also configure it as a DHCP and Certificate Authority (CA) server.
    Then I realized I had accidentally left the default name of my PC as WIN-LBQ4ISKVRCT. Imagine having to type that over and over again!
    To change the name, I had to go through the painful process of removing the CA role here [ https://support.microsoft.com/kb/889250?wa=wsignin1.0 ], and got a nasty warning message when I went to rename the DC.
    Moral of this story: Make sure your domain controller PC is named what you want it to be before you start! it will save you headaches down the line.

    Again, excellent tutorial! Thank you!

    Vishal Kumar says:

    Thank you a ton for putting up this much effort to make us understand the concept, and that too on a non profit basis.
    Regards!
    Vishal Kumar
    Delhi, India

    Thanks for the quick tutorial! Using this as a refresher.

    Thanks, it is very use full and easy to understand guide. Its really appreciated.

    Thanks. Very good article.

    Thanks, it is very use full and easy to understand guide. Its really appreciated.

    shaikh mohammed ehsan says:

    thanks a lot
    god bless you

    Andrew Modi Tongun says:

    This information was fact helpful. Thanks a lot.

    thanks a lot SIR

    Sandeep Gangurde says:

    Thanks a lot for this guide. it is really a help.

    Useful . thank u so much

    super ,step by step installation ,thanks

    Well documented. thank you. it was of great help.

    Thank u so much,I really understand how to install active directory in easy way, thank u once again,

    yeah . good. easy to learn

    birendra pal says:

    thanks. easy to install.

    you are a nice teacher .setup simplified, thanks

    I really understand how to install active directory in easy way
    thanks. easy to install

    Thanks you very much

    ashok kumar swain says:

    very very easy step follow and done

    HI,
    This article is Excellent.

    stephen paul says:

    thank you sir for the tutorial. i can use this in our school computer laboratory. i will try this..help me sir in guiding upon installation and connecting other pc s.

    This is my 14th year in IT. During that time, I was working with different companies. I was working on different positions. [ ]

    About Me

    Dishan M. Francis MVP,MBCS,CCNP,CCNA,ITIL v3 Cert,MCITP Enterprise Administrator Windows Server 2008, MCSA(2008,2012),MCP

    Categories



    Mortgages Unlimited #mn #mortgages, #mortgages #unlimited, #minnesota #mortgage, #minnesota #mortgages, #mortgage #rates #mn, #best #mortgage #company, #home #mortgage, #mortgage #brokers, #interest #rate, #mortgage #rates, #mortgage, #minnesota, #wisconsin, #south #dakota, #home #loans, #mn, #wi, #sd, #refinance, #good #faith #estimate, #closing #costs, #fha #lender, #va #lender, #joe #metzler, #mn #va #loans, #refinance, #down #payment #assistance, #first #time #home #buyer, #second #home #mortgage, #home #refinancing, #investment #property #mortgage, #mn #housing #bond, #maple #grove, #minneapolis, #st. #paul, #eagan, #edina, #bloomington, #elk #river, #otsego, #west #st. #paul, #woodbury, #stillwater, #rice #lake, #wi


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    Like, Print, Forward, and Share: Mobile Site

    MN, WI, and SD Home Mortgage Loans

    As a Direct Mortgage Lender, MN, WI, and SD home loans are all we do. We beat the banks, the big internet lenders, and the Realtor’s in-house lender everyday with our great interest rates on home loans, and personalized service from LOCAL professional Licensed Loan Officers. Our ultimate goal is to create lasting relationships by closing your home loan on time with a stress free process.

    READY TO APPLY? Our Secure Online Mortgage Application is available 24/7. There is no application fee, and we will only move forward with an actual loan your permission after reviewing all your options with you.

    WANT JUST A QUICK QUOTE? Complete the Online Mortgage Rate Quote Form . This option allows our Licensed Loan Officers the opportunity to research current mortgage interest rates, refinance options and programs, then get back to you with our accurate quote.

    Check today’s mortgage interest rates based on your personal situation. Get live market mortgage rates and closing cost cost options. Pick what interest rate or closing cost option works best for you.

    Call (651) 552-3681. Speaking with an experienced, and Licensed Loan Officer is easily the best way to apply, or to obtain an accurate interest rate quote and an Estimate of closing costs.

    Your Loan Officer in an important decision. Why choose Joe Metzler to assist you?

    2016 – Top 300 Loan Officer in the Nation (National Mortgage News )
    2015 – Top 100 Loan Officer in the Nation (Orignation News )
    2014 – Minnesota Loan Officer of the Year (Minnesota Mortgage Association)
    2012 – Best Mortgage Professionals in the Twin Cities based on Customer Satisfaction (Minneapolis St Paul Magazine)
    2011 – Top 40 Most Influential Mortgage Professionals to Watch (National Mortgage Professional Magazine)
    2010 – Top 150 Loan Officer in the Nation (Origination News)

    TOP REASONS YOU SHOULD HAVE US HELP YOU:

    We keep it simple for you! Slick advertising is not our game. We are a top MN lender, and it’s not just because of our LOW mortgage rates. Its because we offer the whole package. We provides fully automated processing, with all of the latest instant approval systems. We even give you instant Email notification for each step of your loan!

    NO applications fees

    Minnesota based – not some out-state 800 number

    Purchase: Using your Realtor’s in-house lender, or the big banks

    Refinance: Assuming the company you currently make payments to is your best option

    Dakota County First Time Homebuyer City Living Program Zero down Payment VA Loans and USDA Rural Development Loans HARP Lender in MN, WI, and SD (Home Affordable Refinance Program

    Mortgages Unlimited CLIENT TESTIMONIALS

    “Thanks for helping us get this done, I really didn’t think I could refinance. I called on a whim because you had placed my original mortgage on this house. Now we will be enjoying a lower house payment for years to come. Best wishes to you.”
    Angie W. St Paul, MN

    “Hello Joe Eric, I just wanted to personally thank you both for helping me secure my home in Cottage Grove. You made the process simple and easy to follow and took a lot of worry out of purchasing the home. I will gladly recommend you to anyone who is also seeking a home mortgage.”
    -Tim M. Minneapolis, MN
    (Read more client testimonials)

    Mortgage Loan Programs

    Conducting Your Minnesota, Wisconsin, or South Dakota Mortgage Rate and Lender Search

    Shopping for a home loan has never been this easy. To obtain the most accurate and up-to-date mortgage rate quote for your loan scenario, call us at 651-552-3681. If you are simply shopping for a mortgage. you can fill-out our easy Mortgage Rate Quote Form and someone will usually contact you within minutes with that information.

    Y ou can also initiate the application process by completing our Secure Online Mortgage Application. We advertises our services in many places and we are committed to honoring the displayed rates and mortgage closing costs as defined by the various publishers’ guidelines.

    You can always count on Mortgages Unlimited for great rates and low mortgage closing costs. Please do not hesitate to contact us with any questions. We are always here to address your concerns and offer you up-to-the minute mortgage quotes and home loan advice.

    Smart people know Mortgages Unlimited is your St Paul, Minneapolis best lender choice for your home loan needs.

    Our staff of Loan Officers are thankful for the opportunity to provide you with comprehensive mortgage rate quotes and mortgage closing cost information. Your Loan Officer will be happy to provide you with a Good Faith Estimate and Truth-In-Lending Statement so that you can better compare Mortgages Unlimited to other Mortgage providers. We wish you the best during your loan process, and remind you that a low rate quote is only part of your overall satisfaction!

    I know you have lender options, and I understand the importance of securing the very best interest rate and lowest closing costs for you and your family. I do not take that obligation lightly and will work hard to prove the value in having a long term relationship with myself and my team.

    Joe Metzler and his team are committed to helping you make a truly informed mortgage decision. Our advice goes way beyond just quoting rates and fees. We provide you with a complete analysis of your mortgage debt picture through analysis and reports. Most people don’t understand the life changing differences between different loan programs. We do. Learn More

    Get real interest rate and closing cost estimates so you can see specific numbers right up front. No surprises. Our rates are typically 0.125% to 0.25% lower than the big banks and little mom-and-pop mortgage brokers, with lower closing costs, too.

    With our low interest rates and low closing costs. you might be wondering about the kind of service or expertise you ll receive. You re in for a pleasant surprise. We ve gone to great lengths to streamline the loan process and make it the easiest, most convenient experience imaginable. No appointment needed. No account numbers or shoebox full of financial papers. Just the information that s in your head.

    Find out how good it feels to work with a lender that delivers on both price and service, and read a few real customer comments. Then you’ll know why we enjoys a 98.0% overall recommendation rating. which we’d like to point out is a far higher standard than mere satisfaction.

    I have closed thousands of loans in my career. That’s a lot! Those customers contributed to our continuing success because they know WE GOT THEM A BETTER DEAL!

    We can do the same for you ! So if you are checking mortgage rates in Minneapolis, St Paul, all of Minnesota, Wisconsin, or South Dakota. we can help you get the lowest cost mortgage of anyone on your area, saving you thousands of dollars!



    Sell Timeshare – Selling Timeshares on the Resale Market #sell #timeshare, #sell #timeshares, #sell #my #timeshare, #selling #timeshares, #timeshares #for #sale, #timeshare #resales, #sell #my #timeshare #now, #sell #time #share, #selling #a #timeshare, #how #to #sell #a #timeshare


    #

    Ready To Sell Your Timeshare?

    Why Timeshare Sellers Choose Us

    SellMyTimeshareNOW offers more than just timeshare resale advertising .

    When you subscribe to our services, we work to get your timeshare seen and sold. And unlike general auction sites like Ebay, we focus on one thing: selling timeshares.

    Over the last 10 years, we have invested millions of dollars annually in developing SellMyTimeshareNOW.com and its affiliated websites. Through advanced Internet marketing techniques, we target a global audience of consumers, driving thousands of qualified buyers and renters to our site daily through search engines like Google, Bing, and Yahoo. These visitors turn into offers to rent and buy timeshares from owners like you (see the live feed of offers above for proof of how active our site really is).

    Our advertising and marketing efforts have resulted in offers and successful timeshare sales for our customers time and time again. We can also assist you from start to finish in selling your timeshare including affiliated closing and transfer services.

    What Former Timeshare Owners Have Said About Us.

    “When I decided to sell my timeshare, I had no idea about how to go about doing this and of course who to trust. Trust was the biggest factor! I was afraid of getting ripped off as you hear about all these scams out there. I tried to sell it on my own on Ebay, but that certainly didn’t work. Starwood recommended that I go to SellMyTimeshareNOW. After my first call with them, I felt comfortable and at ease that this was the right place to go. The process could not have been easier. SellMyTimeshareNOW did all the work and guided me through the whole process. They kept me informed the entire way. They were amazing and my timeshare sold in a reasonable amount of time. Trust was no longer a factor. I really couldn’t be happier with this decision!”

    Bill DiModugno from Ridgewood, New Jersey

    “We contracted with SellMyTimeshareNOW in December of 2011. SellMyTimeshareNOW was very honest with us regarding what we could realistically expect to receive in terms of selling price, and we successfully sold our unit in May of 2012. We are grateful to SMTN for their efforts on our behalf. We would certainly use their services again.”

    Anthony W. Lista from Reading, Pennsylvania

    “My husband and I contacted Sell My Timeshare NOW to list our timeshare week in Maui. We found the representative extremely helpful and professional. A buyer was found within a few months and the transaction was handled promptly and efficiently. When the buyer failed to complete the sale, Sell My Timeshare NOW was ready to relist the property and find another buyer. During the entire process the staff was available to take our calls and address our concerns every step of the way”

    I would be happy to recommend Sell My Timeshare NOW to anyone looking for a competent, reliable company to sell their timeshare and handle all documentation with a positive and friendly attitude!

    Gina & Thomas Ebling from Carlsbad, California

    “If you’re reading this and thinking of selling or buying a timeshare, you’ve found the right place and the right people!” Daniel M. Jackson
    (Ad 35042)

    “We listed our timeshare on other sites as well, however, we only got responses from this listing. Thank you so much. It feels like we wasted our money on the other sites.” Marsha Alfrey
    (Ad 9514)

    “Your company made a confusing process run very smoothly and I appreciate it.” Marvin S.
    (Ad 220555)

    “I think you guys do a great job of hooking-up serious buyers with serious sellers. Yours was the third site I tried and the other two completely over promised and under delivered.” Mark Timmerman
    (Ad 164795)



    Wavefront LASIK Surgery for Vision Correction – SF Bay Area, San Jose and the East Bay, lasik healing time.#Lasik #healing #time


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    Wavefront Lasik

    Every eye is unique.

    The health, shape and dimensions

    of your eye will determine whether

    you are a candidate for LASIK.

    At your LASIK Exam, Dr. Craig Bindi

    will personally meet with you to discuss

    your best and safest option. Learn more

    about Custom Wavefront LASIK:

    Three Variations of Treatment For Customized Laser Vision Correction

    1) Wavefront LASIK

    Lasik healing time

    Wavefront LASIK

    Wavefront LASIK is a customized and more precise method compared to standard LASIK. Provides better night vision results and higher percentage of 20/20 or better results.

    • – Better night vision results than Standard LASIK
    • – In FDA studies, 98% of patients saw 20/20 or better after Wavefront LASIK
    • – Improved accuracy means lower chance of needing a re-treatment

    Microkeratome Cornea Preparation

    An automated microkeratome device is used to create a thin corneal flap. The flap is lifted so the Wavefront laser can reshape the underlying corneal tissue. Then the flap is repositioned. This procedure is exceptionally safe for patients with typical corneal measurements. For other patients with thin, flat, or steep corneas, All-Laser LASIK is preferred.

    • – Visual recovery is rapid, with immediate improvement and little or no discomfort.
    • – Most patients can return to normal lifestyle the next day, free of contacts or glasses.

    2) All-Laser Wavefront LASIK

    Lasik healing time

    All-Laser Wavefront LASIK

    All-Laser Wavefront LASIK is a further refinement of the Wavefront LASIK procedure. All-Laser LASIK has improved the safety of the procedure by replacing the microkeratome blade with a femtosecond laser, which has eliminated the remote possibility of a blade-related LASIK complication. Our latest 5th generation iFS 150 femtosecond laser is especially advantageous for patients with steep corneas, flat corneas, or astigmatism (or patients that are anxious about the procedure)

    • – Safer LASIK procedure, blade-less process
    • – Better flap architecture (inverted bevel edge)
    • – Fastest healing / recovery time

    iFS Intralase Laser Cornea Preparation

    In All-Laser LASIK, rather than use a microkeratome, a femtosecond laser called the ‘iFS 150 Intralase’ is used to prepare the cornea for the Wavefront Laser

    We have been using Intralase femtosecond lasers since 2003, and have continually upgraded to the most modern version of Intralase laser available. Only the 5th generation iFS Intralase laser can create:

    • – Inverted bevel flap edge architecture ‘locks in’ the cornea for faster healing.
    • – Elliptically shaped (oval) flaps to better treat astigmatism
    • – Surgical time lasts 8 seconds (2.5 times shorter than the 4th generation Intralase laser or Ziemer femtosecond laser)

    3) Wavefront Epi-LASIK

    Lasik healing time

    Wavefront Epi-LASIK

    Wavefront Epi-LASIK (or Modern PRK) is the treatment of choice for patients with thin corneas or asymmetrically-shaped corneas.

    • – Patients who were previously unable to have LASIK may be able to have laser vision correction with Epi-LASIK.
    • – The initial recovery time is slower than LASIK with moderate discomfort for about 3 days.

    Epi-LASIK/PRK Cornea Preparation

    In “Soft Brush” Epi-LASIK, rather than creating a LASIK flap, the surface epithelial skin cells are brushed away before the excimer laser reshapes the exposed surface of the cornea.

    The epithelium is removed with an automated soft brush device. In Epi-LASIK, the actual procedure is completely painless, but patients usually report moderate discomfort during the first 3-4 days, as the corneal epithelial skin cells heal over the laser-treatment area.



    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 pipeline reports, gaining visibility into future enterprise revenue and profit opportunities.

    Increase Client Involvement

    Deepen your client relationships with OpenAir project management software by giving them access to detailed project status reports. Project management tools including Gantt charts, exceptions reports and project status summaries give clients the information they need to remain proactively involved and up to date on project progress.

    OpenAir’s Project Management Solution Integrates with Microsoft Project

    A simple wizard lets project managers exchange plans between OpenAir online project management software and Microsoft® Project, retaining all dependencies, task assignments and other relevant project management data. This enables project teams to collaborate online, track time to specific projects and tasks as well as quickly and easily integrate project planning with resource allocation.

    Project Management Library

    Looking for more information on project management best practices? Leverage our library of white papers and learn how you can evolve your project management methods, collaboration and more. Professional Services Business Optimization—Learn key drivers for success for each element of the framework, actions that the PS organization can take to impact the drivers, a foundation for how a PS executive can move from tactical PS activities to strategically driving the PS organization to new levels of success. A Diagnostic Checkup for Your Services Organization—from project management and resource management to time and expense tracking and reporting, every PSO needs to reevaluate processes from time to time. Learn how to execute a checkup on your organization.

    Case Studies



    Business Management – MPhil, PhD – Anglia Ruskin University #part #time #phd #business


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    Business Management MPhil, PhD

    Explore the key issues occupying managers and leaders today – in a business school that brings together expert researchers, high profile organisations and professional people from around the world.

    Full description

    Pursue your research degree with us and you ll be part of a research community that s focused on the real-world challenges that the world s business, governments and NGOs face. These organisations work with us to generate cutting-edge knowledge and contribute to improved performance.

    This creates an inspiring environment for our research graduates. You ll be immersed in our work and will enjoy expert supervision, with opportunities to network with our research partners. There s also our thriving postgraduate community, where you can share knowledge and ideas with professionals from many fields.

    We can supervise your research in most areas of business and management, helping you to develop transferable skills which will be invaluable in your future studies or career.

    Here are a few of our specialisms.

    • Economic paradigms, models and methodologies
    • International trade and foreign direct investment
    • Entrepreneurship and SME internationalisation
    • Innovation, knowledge and information economies
    • Global people management
    • Organisational change management
    • Public service change management
    • Leadership
    • Sustainable tourism

    Our world-leading research

    About our research

    Supervision and support

    Here at the business school we take teaching seriously as this will no doubt be an significant part of your continued success in academia. It is important that all our PhD students feel confident and prepared when standing in front of our students and so to support you we provide ongoing training and development, covering the following areas:

    • Introducing good teaching practice with informed formative feedback
    • Provision of a support network both peer to peer and from an experienced mentor
    • Opportunity to take up teaching at your own pace
    • You can work towards professional teaching accreditation with the Higher Education Academy
    • Regular informal observations and feedback
    • Familiarisation with innovative teaching methods and digital learning technology
    • How to write effective lesson plans that support the students learning and engagement
    • You will be provided with an experienced mentor and be given the opportunity to co-teach with an experienced member of teaching staff prior to going it alone

    You’ll normally have two formal supervisors, with access to a wider range of experts as and when required.

    Where you ll research

    Your faculty

    The Lord Ashcroft International Business School is one of the largest business schools in the East of England, with nearly 100 full-time teaching staff and approximately 6,000 students from more than 100 countries.

    Our striking and award-winning business school building in Chelmsford, as well as new buildings in Cambridge, offer the most advanced learning technologies. We re well-recognised for our centres of excellence by students, employers and professional bodies alike.

    What makes us stand out is that our courses don’t just give you sound academic knowledge they re at the cutting edge of current business practice and highly relevant to employers. This is owing to the close links we have with the business community and the partnerships we’ve developed with a wide variety of businesses and public service organisations.

    We’re interested in people who are confident, ambitious and ready to take the challenge of making a difference in the world of business. If that’s you, we’d love to hear from you.

    Where can I study?



    Mobile Bidding – Event Management for Charity Fundraisers, GiveSmart, mobile real time bidding.#Mobile #real #time #bidding


    #

    mobile real time bidding

    Call: 855 322 4483

    900 Circle 75 Parkway

    Atlanta, GA 30339

    Mobile real time bidding Mobile real time bidding Mobile real time bidding

    Mobile real time bidding

    Mobile Bidding Solutions Take Your Fundraising Further

    GiveSmart. Get More.

    Mobile real time bidding

    Full Service Event Management With Heart.

    GiveSmart. Get More.

    The Perfect Combo of Technology and Service. Every Time.

    Customized solutions to fit your needs

    and exceed your expectations.

    Mobile real time bidding

    • Online ticketing
    • Paperless registration checkout
    • Customized fundraising website
    • Active and accurate donor management
    • Integrated registration, buyer, donor, and payment information

    Event Management

    Mobile real time bidding

    • Makes any phone a bidding/donating device
    • Real-time outbid alerts and customizable leaderboards
    • Bid/donate from anywhere
    • Secure payment processing
    • Increases participation and raises more

    Mobile Bidding

    Mobile real time bidding

    • Comprehensive service and support before, during, and after
    • Expert event production
    • Dedicated Event Coordinator per event
    • More hands-on help at event

    The GiveSmart Service

    WHO WE’VE HELPED

    Mobile real time bidding Mobile real time bidding

    Mobile real time bidding Mobile real time bidding

    Mobile real time bidding Mobile real time bidding

    Mobile real time bidding Mobile real time bidding

    Mobile real time bidding Mobile real time bidding

    Mobile real time bidding Mobile real time bidding

    Get in touch to find out how we can help your next event.

    WHAT TO EXPECT

    Advanced Mobile Bidding

    Mobile real time bidding

    Advanced Mobile Bidding lets supporters bid or donate from virtually anywhere. Supporters can browse items on their personal bidding pages and stay involved with real-time outbid alerts.

    Benefits also include avoiding long check-out lines by securely paying via phone.

    Unrivalled Customer Service

    Mobile real time bidding

    Our Customer Service Representatives won’t rest until you’re happy.

    In fact, they’ll take care of everything you can think of, and a whole list of things you can’t, to guarantee your success.

    Real-Time Data. For Real.

    Mobile real time bidding

    Review real-time stats, access up-to-date supporter data, and make last-minute edits quickly and easily–all on your very own interactive dashboard.

    Lightning-Fast Registration and Check-out

    Mobile real time bidding

    Avoid long lines with paperless registration and check-out, and make a very good first AND last impression on your guests.



    F-5A Freedom Fighter #wargame #wiki,wargameeuropeanescalation,f-5a #freedom #fighter,wargame: #airland #battle,wargame: #red #dragon,norway,f-5a #puff,autonomy,stabilizer,ground #attack #aircraft,f-5a #freedom #fighter,time #over #target,nato


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    F-5A Freedom Fighter

    Available to NATO forces, the F-5A Freedom Fighter is an American -built multi-role fighter used by the Royal Norwegian Air Force.

    Contents

    History Edit

    The Northrop F-5A Freedom Fighter is a twin-engine, single-seat, tactical fighter. The F-5A was developed in the late 1950’s as a supersonic lightweight fighter, but found little use in American arsenals – the later F-5E Tiger II was employed as a MiG-21 simulator in aggressor squadrons. However, the F-5A and subsequent family saw great success as an export fighter, and was sold to, or license-built in more than 30 countries. The Royal Norwegian Air Force purchased 108 Freedom Fighters, 78 of them F-5A’s, as part of a military aid agreement. The first Freedom Fighters arrived in 1966 and served for nearly four decades.

    Overview Edit

    AirLand Battle Edit

    The F-5A Freedom Fighter is an inexpensive light strike platform available to Norwegian and NATO decks. At only 35 points per fighter, the F-5A is an economical platform which may be used to effectively attack lightly armored vehicles and infantry. It carries eight 127mm rockets and two M39A2 20mm cannons, the latter of which allow the F-5A to harass enemy helicopters and provides a small level of defense against fighters. As one might expect, the F-5A is vulnerable to attack by enemy fighters and long range SAMs, having no on-board ECM, or air-to-air missiles. Due to its low cost, these drawbacks are far from prohibitive.

    Red Dragon Edit

    The F-5A Freedom Fighter in Wargame: Red Dragon is a relatively inexpensive light strike platform available to Norwegian and NATO decks. At 50 points per aircraft, the F-5A is more expensive than in AirLand Battle, carries the same loadout and has largely the same characteristics, though its Zuni rockets have slightly less power than in the previous installment. Its benefits and drawbacks are largely the same in Red Dragon as AirLand Battle.

    Weapons Edit

    AirLand Battle Edit



    First Time Home Buyer #student #loan #without #cosigner


    #bad credit loan lenders
    #

    FHA Secure

    First-Time Home Buyer

    A Home of Your Own

    Purchase

    Refinance

    Rent or Buy

    Purchase

    FHA Fixed Loans

    FHA ARM Loans

    Disaster Victims Program

    Refinance

    FHA Secure

    Cash Out

    Debt Consolidation

    Rate Term

    Streamline

    About the FHA

    Eligible Properties

    Ineligible Properties



    Your Time and Attendance Solution #calendar #and #time #management #software


    #

    Track your time and attendance with a customizable system backed by the best product implementation and support team in the industry. With thousands of installations, our system makes the most of your Microsoft network architecture along with browser, Ethernet, and security capabilities.

    You’ll get everything you need to track labor regulations, including the Affordable Care Act and FMLA, in a system that fits perfectly into your existing computer environment.

    TIME CLOCKS

    TMS offers multiple data collection options. Flexible clocking options include
    biometric hand and finger, badge utilizing barcode, and proximity badges.

    TMS Attendance software works with Smart Phones and IPads to make punching in as convenient as possible for both the employee and supervisor.

    Our clock features are customizable to your company’s needs. Employees can transfer departments, add a call back punch, enter tips, request time-off, and review their schedules and benefits.

    TMS Access was the first to market with IP-at-the-Door access control. We provide the only TOTAL SOLUTION in a pure IP access control system, now with total integration to TMS Attendance.

    TMS PowerNet Systems are the most cost effective, and environmentally responsible access control solutions in the industry, with infinite expandability.

    We’ve Worked With

    Laurie has done an outstanding job of converting our previous software over to TMS, getting it functioning correctly and tweeking things that need to be upgraded as we go along. I really appreciate her top-notch, in-depth knowledge of this software and how quick she has been to respond to my emails and phone calls.

    Deb Business Manager, Anselmo-Merna Public Schools

    “I like working with companies like TMS that know what they are doing. Their Time and Attendance System saves me a lot of time. The exception reporting is convenient and easy to use. Something that I thought was going to be so time-consuming and frustrating actually turned out to be totally opposite.”

    Julie Payroll Manager, Northbrook Manor Care Center

    SET has been supported by TMS for payroll related software needs for over 20 years. TMS has supplied economical and effective time and attendance software products and time clocks for all our operations. More importantly, TMS has been a business partner by sourcing, implementing and maintaining our software.

    Diane Human Resources, Southeast Toyota

    “We would recommend Time Management Systems to any business, big or small because TMS gets it. We truly felt the exceptional staff cared about our needs as a company and we are very happy with the results.

    Jacki Payroll Manager, Chesterman Co.

    “Everything is running GREAT. The support unit is fantastic. I couldn’t be more pleased with your system. I just wish I had found you guys sooner.”

    Melissa Office Manager, Lithionics

    Latest News



    Part Time CNC #cnc, #computerized #numerical #control, #cnc #technology, #mastercam #programming, #cnc #programs, #cnc #machines, #drills, #mills, #machining #centers, #lathes, #computerized #methods, #part #program #preparation, #industrial, #practical #application, #part-time, #certificate, #continuing #education, #conestoga #college #part #time #programs


    #

    CNC/MasterCAM Programming (Part-time)

    About the Program

    This comprehensive CNC program has been designed to prepare the participant for many careers in the manufacturing industry and machine shop environment. Participants will be able to understand and apply Computerized Numerical Control technology (CNC) from basic to advanced applications. Participants will also be developing CNC programs for various CNC machines such as drills, mills, machining centres and lathes, using verifiable manual and computerized methods of part program preparation. The focus of the program is on practical industrial applications, problem solving and professional approach.

    Program Information

    All courses must be completed within 3 years of acceptance into the program.

    Admission Requirements

    • Ontario Secondary School Diploma (OSSD), or equivalent, OR 19 years of age or older.

    Note re: Admission Requirements

    • Students must be able to receive instruction, respond and research in the English language.

    Admission Procedures

    • Submit a completed Conestoga College Program Application Form.
    • Attach proof of Admission Requirements.
    • Final selection is made following an assessment of the admission requirements.

    Program Requirements

    • Applicants are advised that the ability to read mechanical drawing is necessary for this program.
    • Credit may be given for qualifying courses that were successfully completed up to two (2) years prior to admission into the program.
    • This program is delivered in a computer lab
    • All courses must be completed within three years of applying to the program.

    How to Apply

    Students may obtain a Conestoga College Program Application Form from any Conestoga College campus, OR by writing directly to the Registrar s Office, OR by using the college website at www.conestogac.on.ca/admissions/forms

    Send completed applications to:
    Conestoga College
    Admissions Office
    299 Doon Valley Dr
    Kitchener, Ontario
    Canada N2G 4M4

    How to Register for Courses

    Go to How to Register for detailed registration information.

    Prior Learning Assessment and Recognition (PLAR)

    Conestoga recognizes prior learning of skills, knowledge or competencies that have been acquired through employment, formal and informal education, non-formal learning or other life experiences. Prior learning must be measurable at the required academic level and meet Conestoga standards of achievement for current courses. Challenge exams and portfolio development are the primary methods of assessment. Other methods of assessment may be available depending upon the nature of the course objectives. Successful completion of the assessment results in an official course credit that will be recorded on the student s Conestoga transcript. PLAR cannot be used by registered Conestoga students for the clearance of academic deficiencies, to improve grades or to obtain admission into a program.

    Learn more about PLAR.

    Graduate Opportunities

    Course participants will be qualified to apply CNC programming knowledge in many areas – as CNC Programmers, CNC Operators, CNC Machine Setup, Shop Supervisors, Manufacturing Engineers, CAD/CAM Operators, Machine and CAD/CAM Sales, Mechanical and Electronic Service Technicians, and many other related opportunities in a manufacturing environment.

    For more details on related occupations, job market information and career opportunities, see the Government of Canada website: http://www.workingincanada.gc.ca

    Program Related Resources

    Program Outcomes

    • Apply mathematical functions, concepts, machining practices and program development relating to CNC technologies.
  • Interpret drawings and machine tool specifications for various CNC machines such as drills, mills, machining centers and lathes.
  • Apply CNC programming for various applications such as slots and pockets using industry standard techniques and processes.
  • Apply two and three dimensional model construction practices and tool path development procedures specific to Computer Numerical Control applications.
  • Use the appropriate pre-defined and customized MasterCam software utilities and operations according to industry best practices to enhance drawing productivity.
  • Select the proper order of operations, including setup, tools, speeds and feeds based upon an evaluation of the engineering drawing.
  • Develop a parts programs using program structure, and data, setup, coordinate and tooling sheets.

    Program Courses

    Click on the course code or title below for a full description of the course. If available for registration, clicking on “Details” in the status column will open a new browser tab or window in the Student Portal.

    Note:
    All efforts will be made to adhere to this schedule, however the college reserves the right to make adjustments when necessary.
    * To learn more about online course offerings, visit Distance Learning – OntarioLearn .

    Disclaimer

    The College reserves the right to alter information including requirements and fees and to cancel at any time a program, course, or program major or option; to change the location and/or term in which a program or course is offered; to change the program curriculum as necessary to meet current competencies in the job market or for budgetary reasons; or to withdraw an offer of admission both prior to and after its acceptance by an applicant or student because of insufficient applications or registrations, over-acceptance of offers of admission, budgetary constraints, or for other such reasons. In the event the College exercises such a right, the College s sole liability will be the return of monies paid by the applicant or student to the College.

    Students actively registered in cohort delivered programs who take longer than the designed program length of time to complete their studies are accountable for completing any new or additional courses that may result due to changes in the program of study. Unless otherwise stated, students registered in non-cohort delivered programs must complete the program of study within seven years of being admitted to the program.

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  • First Time Home Buyer Loans And Programs #mortgage #calculators


    #home loans
    #

    America’s First Time Home Buyer Program Specialist

    Zero Down Payment Loans

    4 Steps To Owning Your First Home

    2. Get Pre-Approved Today so you can shop for a home tomorrow with a pre-approval letter in hand.

    3. Request Pre-Screened Realtor from FirstHomeBuyers and start house hunting today.

    4. Close on your new home, get the keys, move in, order some pizza and kick off your shoes and celebrate!

    Download Great Step-By-Step Guide on How to Buy Your 1st Home with Little or Zero Money Down! Read about the benefits of owning versus renting, how to qualify for First-Time Home Buyer Loans. how to fill out the application and get pre-approved, credit scores and qualifications, benefits of using a Realtor, first time homebuyer mistakes you want to avoid, and much more.

    Welcome to the Firsthomebuyers Loan Program and Realtor Information Center. Buying a home can be a daunting task but our mission is to educate and guide first time home buyers through every step of the process. We provide the best tools and loan programs available so you can decide if homeownership is right for you. Our goal is to make buying your 1st home a simple, fun, exciting, and hassle-free experience.

    FirstHomeBuyer Programs

    1. Fannie Mae NO PMI Program -NO PMI or mortgage insurance.
    2. Fannie Mae MyCommunityMortgage -Fannie Mae Low PMI loan.
    3. USDA Zero Down Loan Fixed rate zero down loan with 640 score.
    4. HomeBuyer Readiness Program -Take the quiz and find out if you are ready to purchase a home right now or do you need to take action to prepare yourself to become a homeowner.

    Today’s Tip and Advice: Know the difference between getting pre-approved and pre-qualified because sellers will ask you for a pre-approval letter before they accept your purchase offer on their home. Check out How Are Pre-Qualifying And Pre-Approval Different?

  • 100% Gift Purchase Program -Fannie Mae program which down payment can be all gift.
  • Good Neighbor Next Door -Teachers, Firefighters, Emergency Technicians, Law Enforcement Employees, or Police Officers get 50% discount off home in targeted area.
  • Home Possible Neighborhood Solution -Freddie Mac Community Lending program designed to meet the needs of a Teacher, Firefighter, Emergency Technician, Law Enforcement Employee, or Police Officer.
  • Family Opportunities -Parent(s) can purchase home as investment for son or daughter.
  • Fannie Mae HomePath Ready Buyerв„ў Program -Take the homebuyer education course and receive closing cost assistance toward the purchase of a Fannie Mae HomePath foreclosure.
  • Coming Soon! Fannie Mae HomeReady Program -Program will help low to moderate income individuals realize the dream of homeownership.
  • Down Payment Assistance and Grant Programs -Get grant funds or down payment assistance for down payment and closing costs. Check your state for specific programs available.
  • Government insured loan programs such as FHA requires a low down payment and VA or Veteran Loans requires 0 Down payment. Fair to marginal credit may qualify for these programs.

    1. Dream Makers Program -get $5,000 grant if you are in the military
    2. FHA -620 minimum score. If you have bad credit, you should work on improving your credit and scores.
    3. HUD Home Loan Program -FHA loan for HUD owned homes or FHA foreclosures.
    4. Kiddie Condo -Parent(s) can co-sign for son and daughter without occupying property.
    5. Streamline 203k Renovation Loan -Repairs and home improvements may be added into mortgage to fix up home. Great for foreclosures and short sales!
    6. FHA Back To Work -Program designed to assist people who experienced unemployment or severe reduction in income due to recent Recession.
    7. VA or Veteran Loan -0 Down Payment geared toward Veterans and active personnel in Navy, Army, Marine Corps, Air Force, Coast Guard, and National Guard. VA loan option available for loan amounts exceeding $417,000.

    First time home buyer programs are offered in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, DC, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

    Special Teacher, Police Officer, Fireman or Firefighter, Nurse, Paramedic or EMT, Pharmacist, Healthcare Professional, and Military Programs available in AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. You must check with mortgage lenders for current availability of specific loan program(s) in your state.



    University of Texas Austin McCombs School of Business #business, #b #school, #b #schools, #business #school, #business #schools, #mba, #mba #programs, #mba #program, #b-school, #mba #degree, #online #mba, #top #mba, #executive #mba, #mba #ranking, #mba #rankings, #part #time #mba, #top #business #schools, #international #mba, #executive #education, #business #school #rankings, #business #school #ranking, #business #school #mba, #executive #mba #programs, #business #universities, #top #business #school, #best #business #school, #top #mba #schools, #mba #rank, #business #school #admissions


    #

    University of Texas Austin McCombs School of Business Located in Austin, Texas

    Why Is University of Texas Austin McCombs School of Business Ranked #18?

    StartClass has developed a ranking system for business school MBA programs by analyzing the statistics relevant to the quality of the institution and how it prepares graduates. The following breakdown explains how this school stacks up against all other business schools for data the school has reported.

    • Better than Average
      • Post-Graduation Salary: $107,272 USD (top 30%)
      • Acceptance Rate: 28.5% (top 10%)
      • Average GMAT: 694 (top 20%)
      • Average Undergraduate GPA: 3.4 (top 45%)
    • Average
      • Previous Work Experience: 5 years

    Similarly Ranked Business Schools

    Admissions

    Applying

    Admissions Statistics

    Difficult to Get In, Lower Than Average Percent Yield

    University of Texas Austin McCombs School of Business extends offers to 28.5% of applicants. This is one of the lowest compared to all business schools (average: 56.6%). Of those that get offers, 44.4% enroll in this school, well below the average percent yield (60.8%).

    Average Difficulty to Get In, Lower Than Average Percent Yield

    University of Texas Austin McCombs School of Business extends offers to 77.9% of part-time applicants. This is about average compared to all business schools (76.9%). Of those that get offers, 68.1% enroll in this school, which is below the part-time average percent yield (76.7%).

    Acceptance Rate (Part-Time)

    Percent Yield (Part-TIme)

    GMAT

    Higher than Average GMAT

    Students enrolling in University of Texas Austin McCombs School of Business have an average GMAT of 694, which is much higher than average compared to all business schools (613).

    Undergraduate GPA

    Average Undergrad GPA

    Higher than Average Undergraduate GPA

    The entering class of University of Texas Austin McCombs School of Business has an average undergraduate GPA of 3.4. This is higher than average compared to all business schools (3.35).

    More Graduates Go Into Tech Compared to Average

    Looking at the industries graduates go into compared to the average for all business schools, those from University of Texas Austin McCombs School of Business more often go into tech. On the other hand, a smaller percentage than average go into pharma/ biotech/ health care. All schools have different naming conventions, but StartClass has normalized them into common buckets to help guide prospective MBA students towards programs that cater to the industries they desire. The rest of the employment section gives further details on the industries and functions graduates and interns enter to the extent that the school makes this data available.

    Full-Time Employment by Industry

    Percent of Employed Graduates

    University of Texas Austin McCombs School of Business

    Tech – Consumer Products

    University of Texas Austin McCombs School of Business

    University of Texas Austin McCombs School of Business

    University of Texas Austin McCombs School of Business

    University of Texas Austin McCombs School of Business

    Tech – Internet Services/ E-Commerce

    University of Texas Austin McCombs School of Business

    Investment Banking/ Brokerage

    University of Texas Austin McCombs School of Business

    University of Texas Austin McCombs School of Business

    University of Texas Austin McCombs School of Business

    University of Texas Austin McCombs School of Business

    Diversified Financial Services

    University of Texas Austin McCombs School of Business

    University of Texas Austin McCombs School of Business

    University of Texas Austin McCombs School of Business

    University of Texas Austin McCombs School of Business

    Private Equity/ Venture Capital

    University of Texas Austin McCombs School of Business

    University of Texas Austin McCombs School of Business

    Percent of Employed Graduates

    Tech – Consumer Products

    Tech – Internet Services/ E-Commerce

    Investment Banking/ Brokerage

    Tech – Consumer Products

    Investment Banking/ Brokerage

    Tech – Internet Services/ E-Commerce

    Diversified Financial Services

    Travel/ Tourism/ Hospitality/ Logistics

    Private Equity/ Venture Capital

    Full-Time Employment by Function

    Percent of Employed Graduates

    University of Texas Austin McCombs School of Business

    University of Texas Austin McCombs School of Business

    University of Texas Austin McCombs School of Business

    University of Texas Austin McCombs School of Business

    Percent of Employed Graduates

    Student Body

    Gender

    University of Texas Austin McCombs School of Business

    All Texas Business Schools

    All Business Schools

    Higher than Average Percentage of Male Students

    University of Texas Austin McCombs School of Business has 69% male students, above the average across all business schools (63%).

    University of Texas-Austin

    This university is situated in University of Texas-Austin, Texas, which is 0.73 mi² in size and has a population of 8,569 people.

    • This neighborhood is tagged as low income. In other words, a disproportionately large percentage of its households earn under $25,000 per year.
    • Most of the rental properties in this neighborhood cost above $1,500 per month.

    Place “Insights” look at the composition of local businesses to identify over-indexed business types compared to the national average.

    Average Monthly Temperature

    References

    Frequently Asked Questions

    Related Business Schools

    Business School Websites. Forecast (R Package). American Community Survey. AACSB. Dun & Bradstreet. and NCES. Show details Hide details



    Look for a First Time Payday Loan Free #direct #lender #payday #loans


    #interest free loan
    #

    Curently in the Lead:

    Look for a First Time Payday Loan Free

    By. Posted in Loans Borrowing on October 25, 2010 .

    You may be unfamiliar with payday loans but find yourself in the situation that you need to have some cash quickly.  If you car needs to be repaired or your hot water tank has sprung a leak you may find that your budget just won’t allow any more stretching.  A payday loan might just be the answer to your short-term dilemma.  You may have heard that they charge high interest rates so you have shied away from inquiring about a payday loan.  What you may not realize, however, is that there are lenders that give a first time payday loan free .

    You did read that right. There are many lenders online and at physical stores that will let first time payday loans get it for free.  While it sounds great there are going to be qualifications that you will have to meet, but if you do you could be on your way to easing a money crisis.  One parameter that most of the lenders have is that in order to receive the money for free the first time it must be paid back with your next paycheck.  There may be a limit on how much money you are allowed to borrow with the first time payday loan free offer.  It is worth looking into if you find that you need to have repairs done so that you can go on getting to work or taking a hot shower.

    If you are searching for a payday loan that offers the first time free you can go online and read the comparison charts.  There are sites that are devoted to showing you the best online payday loan companies .  This list should include the fees that are charged and what happens if you can’t repay the loan on time or in full.  By reading a comparison list you can find the company that suits your situation the best.  It is always good to get several offers from a first time payday loan free company.  When you do this you can be assured that you have the best deal out there for your problems.  You do need to remember that this is a short-term fix for a short-term problem. If you can’t pay the money back in a timely manner you should seek other ways to fix your financial needs.

    Applying for a first time payday loan free is very easy and in most cases is done online.  The physical stores that may be in your area often have web sites that allow you to fill in the application before you have to travel to their business.  This saves time when you need cash in a hurry.  They can get your loan approved in about twenty-four hours and you can have the money in your account the next business day.  You may be asked to fax proof of your contact information or a pay stub, but there are lenders that don’t require any of this information to be faxed to them.

    When you apply for a payday loan you will have to meet certain qualifications such as being at least 18 years of age, you must have steady income, an active bank account, and be a citizen of the United States.  You won’t have your credit history checked as the loan is based on your ability to repay it, not on FICO scores.  This is one reason that these loans can be accomplished in such a short time period.  In some cases your bank account must have been active for at least ninety days and you have to have been employed for at least six months.  You may also be asked to prove that you have a monthly income of at least $1000.

    You want to make sure that you have the money to repay the loan with your next pay check or you can wind up paying too much for the short term loan.  The fees for a short-term payday loan can be anywhere from $15 to $25 per one hundred dollars borrowed. If you borrow $300 you could get it for free the first time if you pay it back on time; however, if you can’t you are looking at $345 or $375 as a repayment.  There may also be other fees that could be incurred if the payment has to be rolled over.  So if you find yourself in a situation where you need short-term cash and this is your first time look for one that gives you that money for free.

    You should read these too:



    First Time Home Buyer Programs #emergency #loans


    #best home loans
    #

    First Time Home Buyer Programs

    Many firsthomebuyer loan programs are underwritten, closed, and funded in-house which saves you a tremendous amount of time processing your loan. Firsthomebuyers must Get Pre-Approved and have a preapproval letter in your hand before you start looking for a home. There are many down payment options available and you need to consult a loan officer to determine which programs best suits your financial needs.

    Conventional Loans

    Conventional Fannie Mae Program

    660 minimum credit score

    Down payment can be 100% gift from relative or fiance

    Conventional low down payment loan

    No minimum contribution from borrower’s own funds

    Community Solutions -Flexible guidelines if you are a teacher, firefighter, police officer, health care worker, or military personnel.

    No PMI or private mortgage insurance

    Get home at 50% discount on home in target areas-Check out homes now!

    Law enforcement, police officers, teachers, firefighters, and emergency technicians are eligible for this program

    Conventional, FHA, VA loan programs available

    620 minimum credit score

    Low down payment

    You may be eligible if you are a Teacher, Law Enforcement Officr, Fireman or Firefighter, Healthcare Worker, Nurse, Emergency Medical Technician (EMT), Active Military Personnel, or Veteran in Armed Forces.

    Lower mortgage insurance

    No minimum contribution from borrower’s funds-down payment and closing costs can come from flexible sources such as gift, affordable second mortgage, or unsecured loan from employer.

    More flexible income underwriting guidelines

    Income restrictions do apply

    Single family, condo, townhome, 2 unit, PUD

    Parent can purchase home for child as investment property

    NO MI or mortgage insurance

    This program allows borrowers to take course to qualify for closing cost assistance equal to 3% of the purchase price when you purchase HomePath foreclosure.

    Additional income sources can be used to help qualify for the program such as non-borrower household member, non-occupant borrower(s) such as parent, and rent from accessory unit ( e.g. basement or garage apartment).

    Check back to see if program is available.



    First Time Home Buyer #how #to #get #a #loan


    #bad credit loan lenders
    #

    FHA Secure

    First-Time Home Buyer

    A Home of Your Own

    Purchase

    Refinance

    Rent or Buy

    Purchase

    FHA Fixed Loans

    FHA ARM Loans

    Disaster Victims Program

    Refinance

    FHA Secure

    Cash Out

    Debt Consolidation

    Rate Term

    Streamline

    About the FHA

    Eligible Properties

    Ineligible Properties



    No Credit Car Loans for First Time Buyers #compare #home #loans


    #no credit car loans
    #

    No Credit Car Loans

    Don’t let zero credit history affect your present. Get guaranteed approval on no credit auto loans even if you have low income. Low rates are a reality for no credit car buyers. Students and first time buyers need not worry about co-signing as it is not compulsory.

    The one thing that every American desires is a car. Automobiles are favorites on everyone’s wish-list. But, not everyone is able to strike it off the list. For all those who want to buy a car, credit score is often considered a major requirement. Does that mean people with a zero credit score cannot get car loans?

    Understanding the needs of people with no credit history, Fastautoloanapproval.com has introduced no credit auto loan program. Applicants can now easily buy the car they want-new or used with these instant loans.

    Fastautoloanapproval.com is an online auto financing company that efficiently caters to the needs of borrowers with no credit. It believes that a credit score is nothing but your history and it should never affect your present. This means you no longer have to depend on no credit needed dealers.

    Most college students and graduates/undergraduates face the problem of zero credit ratings. The company understands the importance of a car in student-life and that’s why; offers easy car loans to students, even if they have a zero credit history.

    Most first-time car buyers avail credit for the first time and they face the same trouble of no credit history. If you are facing trouble in getting quick approval, worry no more. Fastautoloanapproval.com is here to rescue you by offering car loans without credit history.

    What Factors Are Considered For Availing Car Loans without Credit?

    Fast Auto Loan Approval has wide approval criteria. Don’t think that if you are weak in one aspect, approval will become difficult. The company believes in concentrating on your strong factors and in this way, it makes financing a car with zero credit very easy.

    • Income

    • Employment Term

    • Time At Residence

    • Regularity In Making Payments of Other Loans, If Any

    • Down Payment Amount

    • Availability of Co-Signer

    • Loan To Value (LTV)

    • Age of Vehicle

    • Term of Loan

    • Miles on Vehicle

    • Total Debt to Income Including New Payment.

    By looking at these factors, you can understand that a credit score isn’t and will never be the sole responsible aspect for your loan approval.

    When you are applying with fastautoloanapproval.com, you don’t have to worry about the safety of your data. Your personal information is protected from identity theft so don’t be apprehensive about sharing your SSN and other private data.

    The no credit car loan program is a great way of building your score. Start today by applying with us.



    How First Time Home Buyer Loans Work #unsecured #loans #for #bad #credit


    #homeowner loans
    #

    How First Time Home Buyer Loans Work

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    First time home buyer loans make home ownership more accessible. However, you don t necessarily need to use a special loan for your first home purchase. First time home buyer programs come with restrictions and strings attached that might be dealbreakers. While they are a perfect fit for some, they are the wrong choice for others.

    What is a First Time Home Buyer Loan?

    It takes time, energy, and money. To help with the money hurdle, some people use first time home buyer loans. These programs vary depending on where you live and what s available to you, but the general idea is this: programs are designed to give financial assistance to qualified borrowers. This can come in any in the following ways:

    • Allowance for a very low (or no) down payment
    • Subsidized interest costs (you get a break on all or part of the interest)
    • Grants to help with down payment, closing costs. and improvements
    • Loan forgiveness (for some portion of the total purchase price)
    • Limits on fees that lenders are allowed to charge for your transaction
    • Deferred payments

    Note that the programs available to you might offer any or none of the benefits listed above – it depends on your financial circumstances and where you live, so you ll have to research what s available in your area.

    Where to Find Loan Programs

    Finding good programs requires some legwork. A good place to start is the HUD Web site on home buying programs (click on your state, then click Assistance programs under Buying a Home ).

    Continue Reading Below

    You can also just search the web, being sure to include your state or city of residence. If you like, you can also include any characteristics about you (with or without your location); for example, if you re a veteran, teacher, or disabled, you might find additional programs.

    Who Qualifies?

    As you might imagine, first time home buyer programs are targeted towards individuals who have never owned a home. But some organizations will offer assistance to people who have owned before, as long as they have not owned within the last three years. Again, check to see what’s available to you.

    You may have to meet certain financial restrictions as well. For the most part, first time home buyer programs reserve benefits for people with low and moderate incomes. If you earn too much, you won’t qualify for the program. Likewise, having substantial assets can also reduce your chances.

    Loan Restrictions

    Most programs put a dollar limit on the property you’re buying. You probably can’t use a first time home buyer loan to buy the more expensive properties in your area. Instead, you’ll be limited to less expensive properties that are probably more affordable for people who meet the income restrictions mentioned above. Again, the idea is to benefit people who have the most need.

    You also have to live in the home as your primary residence. If you re going to rent the place out, you ll need to use a different type of loan.

    Finally, the home you buy most likely has to meet some physical requirements. It must be in good condition and free from any safety hazards (such as lead-based paint, for example). If you have a home in mind that you can t buy because it s in disrepair, you can try using a FHA 203k rehabilitation loan instead.

    First Time Home Buyer Loan Pitfalls

    For some first time home buyers. these programs are perfect. They open the door to home ownership where a family would otherwise have been unable to buy a home. Communities also benefit from first time home buyer loans – homeowners take care of their property, get involved, and contribute to the economy. Nevertheless, first time home buyer loans can be the wrong choice in some cases.

    With a specialized loan, you face some challenges:

    • Price restrictions might not allow you to buy the home you want
    • You might lose some of the benefits of the program if you sell your home too soon
    • You may have to pay recapture tax for some of the benefits you received
    • You may be limited to a short list of loan types (only 30 year fixed rate mortgages for example)
    • If your home increases in value, you may have to share those gains with the program

    Given these restrictions, you may be better off avoiding subsidized first time home buyer loans. Patrick Schwerdtfeger, a California mortgage broker, notes that you’ll probably come out ahead using a plain-vanilla mortgage if you’ve got decent credit. With a FICO credit score above 720, you probably won’t see an advantage with a subsidized first time home buyer loan. Once you get below 680, the subsidized programs will start to look better. These days, you can still get traditional mortgages or FHA loans with very little down.

    The best thing to do is to explore all of your options. Take a look at what your traditional mortgage lender is offering, and compare it to subsidized first time home buyer loans. Once you see how the numbers compare, consider the cost of flexibility.

    In addition to loan programs, be sure to learn about the First-Time Homebuyer Tax Credit to maximize your savings.

    Return to the main Get a Mortgage resource page.



    Home loan rates in Australia: Now is the time to switch to fixed interest #easy #loan


    #best home loan rates australia
    #

    Morrison questions Westpac rate rise 1:07

    THE head of the peak body representing Australia’s mortgage broking industry says Westpac’s shock decision to raise its variable home loan rate for owner-occupiers by 20 basis points signals the “end of the good times”.

    Westpac yesterday became the first bank in three-and-a-half years to raise rates out of step with the Reserve Bank. At 5.68 per cent, a borrower on an average $300,000, 30-year loan will pay around $14,000 extra, or roughly $500 a year .

    Peter White, chief executive of the Finance Brokers Association of Australia (FBAA), said now was the time for homeowners to seriously consider locking in their mortgage with a fixed rate, tipping that all the major banks would soon follow suit.

    This is just the beginning, he said. It may not happen straight away, but regardless of what the RBA does I think over the next six to 12 months there will be at least a couple of rate hikes to come from the banks.

    AMP Capital chief economist Dr Shane Oliver said the RBA would likely be forced to pick up the slack by cutting the official cash rate by a further 25 basis points to a historic low of 1.75 per cent at its November meeting to avoid a hit to household spending.

    Opposition leader Bill Shorten today described Westpac s decision as corporate greed , saying the business case had not been made out by the bank. I sincerely hope [the other banks don t follow], he said. The community backlash will be enormous.

    FBAA s Mr White said the Australian housing market had been through an extraordinary period not seen in his 37 years in the industry. We ve had 4-5 per cent interest rates when probably we should have been having 7 per cent, he said.

    My instinct is saying it probably is the end of the good times. We may not be getting back to the dark old days of 18.5 per cent in the 70s and 80s, but at some point in the next five years normal rates will be around that [7 per cent] mark.

    Mr White cautioned borrowers to shop around and only take a fixed rate if it suited their circumstances. If you re planning on an extension or a pool or any kind of renovation in the near future, taking a fixed rate is going to work completely against you, he said.

    The Herald Sun reported today that despite low interest rates, mortgage stress is already taking its toll, with 1749 Victorians having homes, units, businesses or land repossessed by the major banks and lenders since July last year.

    Westpac yesterday became the first bank in three-and-a-half years to raise rates out of step with the Reserve Bank. Picture: AFP PHOTO/Peter Parks Source: AFP

    Mr White said higher rates would hopefully not lead to a wave of foreclosures. Lending regulations require borrowers to be assessed on their ability to repay a loan at 2 per cent higher than the current interest rate.

    Unfortunately you can t control what people might do after getting a loan, he said. They might take out a car, credit card or personal loan, and unfortunately that can put pressure on them when interest rates rise.

    Demand for fixed rate loans peaked in December 2013, when they accounted for 33 per cent of all loans written, to around 17 per cent today, according to data from Mortgage Choice.

    Mortgage Choice spokeswoman Jessica Darnbrough said she expected to see an uptick in fixed rate demand starting early next year, but wasn t expecting a flight of customers away from Westpac as a backlash.

    Definitely there will be some people out there that won t be happy and will do their research and look around, but at the end of the day interest rates are at historic low levels they were going to go up eventually, she said.

    People are taking out 30-year loans, and they know interest rates will fluctuate over that time.

    Michelle Hutchison, money expert with comparison website Finder.com.au, said with some three-year fixed loans the most popular among borrowers below 4 per cent, now was a good opportunity.

    Fixed rates are usually a good indicator of the direction of home loan interest rate directions, as they tend to move before the Reserve Bank cash rate and variable rates, she said.

    Fixed rates have been falling slightly for some time, with the average three-year fixed rate now at 4.54 per cent.

    Westpac chief executive Brian Hartzer. Picture: Britta Campion Source: News Corp Australia

    Ms Hutchison warned that there was a risk if fixed rates kept falling, borrowers could lock in a higher rate and miss out on a cheaper deal down the track. But we are in a very unusual lending environment where lenders are moving their rates out-of-cycle, she said.

    This is making it more difficult to guess which direction interest rates will take and can be very unsettling for borrowers, particularly those who are already stretched with their budgets.

    I think we are very comfortable with the position we ve got but obviously, as with all products and services, it s something that you react to the market and review on an ongoing basis, he said.

    The Commonwealth Bank said it was yet to decide. We ve made no decision on our rates, which remain on hold, a statement from the Commonwealth Bank said yesterday.



    Get Your Fast Payday Loans Online – Don t Waste Your Time! #doorstep #loans


    #instant payday loans online
    #

    MONNYLOANS.COM – Fast Approval Payday Loans

    Monnyloans.com is devoted to fair and straightforward lending practices and does its best providing payday loan services to those borrowers who appeared in a situation of cash shortage and needs to fix it fast. We step out as a mediator company between various lenders and borrowers and we make everything possible for the most satisfactory cooperation between the two.

    Fast Payday Loans are well-known short-term loans nowadays that are offered for a fixed period of time (2 weeks – 1month on average) for a fixed interest amount. It is an unsecured loan and is more expensive than regular long-term options; however, it is also easier to get due to the fact that payday lenders do not perform credit checks and are in general more lenient in their requirements.

    Application is easy and straightforward; it consists of the several steps.

    • You sign in the application form;
    • You provide few simple documents;
    • We send your application to the most suitable borrower;
    • You get approval;
    • You get the money transferred to your checking account (must-have).

    It is as easy as this. No credit checks and no time wasted in lines, no headaches and doubts about your chances for refusal.

    Documents that lenders are very simple. They basically need:

    • The proof of your legal age (18 years old);
    • The U.S. citizenship or residence;
    • The proof of employment;
    • The proof of income (at least $1000 per/mo);
    • In some cases there can be something else but the basic list is this simple.

    Advantages are numerous with such quick loans. There are many people who are actually unable to get a regular loan due to their poor credit score. This is unlucky complication that spoils life for many borrowers; and unfortunately, it is a very frequent one.

    However, it is quite different with payday loans – lenders are not at all that picky and fastidious. They are quite eager to help people in an unexpected financial complication and they accept all applications without a fuss. There should be very strong reasons for refusal; and the latter are absolutely rare occurrence. You do not have to be in possession of a brilliant credit score to qualify and this is the reason why so many people choose Monnyloans.com .



    Cash Till Payday Loan – We Are Here When You Need That Cash Till Payday Loan And We Will Give You A 99% Superior Approval Every Time You Apply For A Quick Loan. #payday #loans #for #people #on #benefits


    #loans till payday
    #

    How Can We Offer A Cash Till Payday Loan ?

    Start By Entering Your Name Below.

    Need A Cash Till Payday Loan? If you are looking for cash till you next payday, you have come to the right place. We have introduced the most valuable cash advance payday loan policy on the web. If you have run out of cash and need an urgent payday loan to tide you over, our payday loan online is the ultimate alternative for you. Fill out our cash till payday loan application form and we will take care of the rest for you. Whenever you find that you need a quick payday loan to get rid of any tricky situation, get in touch with MySEONetwork.

    A Cash Till Payday Loan from MySEONetwork is the fast, easy and most secure way to get the money you need for virtually any situation. Sometimes we all need payday cash loan and MySEONetwork will get you through it.

    Our simple no fax payday loan application will take less than 60 seconds to fill out then you are on your way to putting cash in your pocket till payday. There is No Hassle so Imperfect Credit is never an issue and your money will be deposited into account within 24 hours (the 24 hours payday loan syndrome ) or possible even the same day . We have seen this happen before in a few rare circumstances, but it has happened.

    So, you are over the age of 18, have an active bank account and earn at least $1000 a month from your current job then you qualify for a instant personal loan. There is nothing better than getting a cash till payday loan to tie you over and MySEONetwork will help you every step of the way.

    Trust the one payday loan company that thousands trust everyday to get cash till payday, MySEONetwork.

    About A Cash Till Payday Loan?

    A cash till payday loan is a quick loan that was engineered for a quick pay back. It is a CASH TILL payday loan because you have to pay it back on your next paycheck. Look, we all understand that you need a payday advance loan and there is a need for it. MySEONetwork has designed the instant payday loan to help, not hurt you.

    Whether this is an emergency or not, you need a instant cash loan and you need it now. Well, our quick cash loan application will get you an instant approval in less than 10 seconds. You will then be taken to 1 of our 1000 low cost payday loan lenders that are waiting to get you your money right away. We have safely screened each and every instant online payday loan lender to ensure your safety at all times.

    Another great feature of our cash till payday loan is that there in no fax required. That’s right, no faxing . faxless . no fax payday loan (no matter how you want to say it). Save some paper and get your quick payday advance loan faster than most.

    So, when you are looking for a fast payday loan or an instant no fax payday loan. then turn to the experts. Our 99% Superior payday loan application will get you cash till payday money you need, Superior.



    Car loans hit $1 trillion for first time #usda #loan


    #interest rates for car loans
    #

    Strong sales, rising prices, low interest rates fuel the surge

    Car buyers now owe $1 trillion on their car loans, the first time they’ve ever owed that much.

    The loan balances have been driven up by a combination of three factors — strong car sales, rising car prices and low interest rates.

    Interest rates are low. Borrowers with top credit scores can get loans for less than 3 percent.

    “There are a lot of lending choices for consumers, a lot more competition,” said Jason Laky, automotive business leader at credit agency TransUnion, which reported the record level of car loans. “That’s made financing more widely available and very attractive.”

    New car sales are up nearly 6 percent so far this year, according to sales tracker Autodata.

    Overall, the industry is in a position to sell a record number of cars to U.S. consumers this year.

    But the amount owed is up 11 percent, a sign of the increase in the size of car loans due to rising prices.

    The average amount borrowed is about $21,700, and buyers owe nearly $18,000 on average. The average new car purchase price now stands at $32,529, according to sales tracker TrueCar. The average car loan balance is rising faster than it is for mortgage loans, according to TransUnion.

    Laky said low interest rates and longer loan terms have kept the average payment little changed over the past five years. It now stands at just under $400 a month, and car buyers are able to handle their payments.

    Only about $9 billion of loans are 60 or more days past due; that is less than 1 percent of the loan volume. Such a low delinquency rate is better than the delinquency rates for mortgages and credit cards.

    Most car buyers have pretty good credit, and subprime loans make up only 15 percent of the loan volume.

    Falling unemployment and strong job growth in the past year are other factors helping to push car loan balances higher, Laky said.

    “When Americans have jobs, they’re going to go out and purchase cars with confidence,” he said.



    Look for a First Time Payday Loan Free #loan #companies #for #bad #credit


    #interest free loan
    #

    Curently in the Lead:

    Look for a First Time Payday Loan Free

    By. Posted in Loans Borrowing on October 25, 2010 .

    You may be unfamiliar with payday loans but find yourself in the situation that you need to have some cash quickly.  If you car needs to be repaired or your hot water tank has sprung a leak you may find that your budget just won’t allow any more stretching.  A payday loan might just be the answer to your short-term dilemma.  You may have heard that they charge high interest rates so you have shied away from inquiring about a payday loan.  What you may not realize, however, is that there are lenders that give a first time payday loan free .

    You did read that right. There are many lenders online and at physical stores that will let first time payday loans get it for free.  While it sounds great there are going to be qualifications that you will have to meet, but if you do you could be on your way to easing a money crisis.  One parameter that most of the lenders have is that in order to receive the money for free the first time it must be paid back with your next paycheck.  There may be a limit on how much money you are allowed to borrow with the first time payday loan free offer.  It is worth looking into if you find that you need to have repairs done so that you can go on getting to work or taking a hot shower.

    If you are searching for a payday loan that offers the first time free you can go online and read the comparison charts.  There are sites that are devoted to showing you the best online payday loan companies .  This list should include the fees that are charged and what happens if you can’t repay the loan on time or in full.  By reading a comparison list you can find the company that suits your situation the best.  It is always good to get several offers from a first time payday loan free company.  When you do this you can be assured that you have the best deal out there for your problems.  You do need to remember that this is a short-term fix for a short-term problem. If you can’t pay the money back in a timely manner you should seek other ways to fix your financial needs.

    Applying for a first time payday loan free is very easy and in most cases is done online.  The physical stores that may be in your area often have web sites that allow you to fill in the application before you have to travel to their business.  This saves time when you need cash in a hurry.  They can get your loan approved in about twenty-four hours and you can have the money in your account the next business day.  You may be asked to fax proof of your contact information or a pay stub, but there are lenders that don’t require any of this information to be faxed to them.

    When you apply for a payday loan you will have to meet certain qualifications such as being at least 18 years of age, you must have steady income, an active bank account, and be a citizen of the United States.  You won’t have your credit history checked as the loan is based on your ability to repay it, not on FICO scores.  This is one reason that these loans can be accomplished in such a short time period.  In some cases your bank account must have been active for at least ninety days and you have to have been employed for at least six months.  You may also be asked to prove that you have a monthly income of at least $1000.

    You want to make sure that you have the money to repay the loan with your next pay check or you can wind up paying too much for the short term loan.  The fees for a short-term payday loan can be anywhere from $15 to $25 per one hundred dollars borrowed. If you borrow $300 you could get it for free the first time if you pay it back on time; however, if you can’t you are looking at $345 or $375 as a repayment.  There may also be other fees that could be incurred if the payment has to be rolled over.  So if you find yourself in a situation where you need short-term cash and this is your first time look for one that gives you that money for free.

    You should read these too:



    Quick Loans Today- Get Small Cash Loans within No Time #bad #credit #loans #monthly #payments


    #loans today
    #

    Welcome to Quick Loans Today

    Are you going through with cash shortfall? Have urgent monthly cash expenditures to carry off as soon as possible? In such crisis time you may decide to apply for a loan. However, it could be little confusing and tough task to find a right loan solution at a right time and at a right price. It is important to know all fundamentals of loans and its terms and conditions. Also it requires a lot of hard work to find a trusted network of top lenders. In order to help you to find a best loan offer at a best possible rate our online loan matching comparison web portal Quick Loans Today is there in the market for your assistance.

    With us you can easily check out a range of trusted lenders who offer amazing loan plans with different loan quotations. You can use comparison facility available at our site to find a decent fiscal option for you, suiting your needs and budget.

    To qualify for same day installment loans you just need to fulfill certain easy eligibility conditions like being at least 18 years old, having permanent citizenship of Canada, hold a valid active bank account and also have proof of having regular source of income. Being regular earner lenders will identify your repayment potential.

    Upon approval you would be able to get sufficient amount of funds, till the smooth and flexible time period. There is no restriction on usage of loan amount. You have complete freedom to use offered finance to tackle any short term cash difficulties with no delay.

    There are no complex formalities involved with bad credit unemployed loans. There is no fax, no paperwork and no collateral placement formalities included. With the absence of such tiresome formalities your loan gets quickly sanctioned by lenders and the desired funds will be directly submitted to your bank account in the shortest possible time.

    Applying with Quick Loans Today is absolutely easy. Just fill up a simple online application for with necessary details and submit it to us. Our application form is free from any upfront fee charges and any other obligations. We will process your form and help you to fetch a best loan plan from a lender that you trust at a best possible rate in a short time span.

    Just tell us your requirements and get extra funds that you are in need of in no time!



    Look for a First Time Payday Loan Free #fnb #loans


    #interest free loan
    #

    Curently in the Lead:

    Look for a First Time Payday Loan Free

    By. Posted in Loans Borrowing on October 25, 2010 .

    You may be unfamiliar with payday loans but find yourself in the situation that you need to have some cash quickly.  If you car needs to be repaired or your hot water tank has sprung a leak you may find that your budget just won’t allow any more stretching.  A payday loan might just be the answer to your short-term dilemma.  You may have heard that they charge high interest rates so you have shied away from inquiring about a payday loan.  What you may not realize, however, is that there are lenders that give a first time payday loan free .

    You did read that right. There are many lenders online and at physical stores that will let first time payday loans get it for free.  While it sounds great there are going to be qualifications that you will have to meet, but if you do you could be on your way to easing a money crisis.  One parameter that most of the lenders have is that in order to receive the money for free the first time it must be paid back with your next paycheck.  There may be a limit on how much money you are allowed to borrow with the first time payday loan free offer.  It is worth looking into if you find that you need to have repairs done so that you can go on getting to work or taking a hot shower.

    If you are searching for a payday loan that offers the first time free you can go online and read the comparison charts.  There are sites that are devoted to showing you the best online payday loan companies .  This list should include the fees that are charged and what happens if you can’t repay the loan on time or in full.  By reading a comparison list you can find the company that suits your situation the best.  It is always good to get several offers from a first time payday loan free company.  When you do this you can be assured that you have the best deal out there for your problems.  You do need to remember that this is a short-term fix for a short-term problem. If you can’t pay the money back in a timely manner you should seek other ways to fix your financial needs.

    Applying for a first time payday loan free is very easy and in most cases is done online.  The physical stores that may be in your area often have web sites that allow you to fill in the application before you have to travel to their business.  This saves time when you need cash in a hurry.  They can get your loan approved in about twenty-four hours and you can have the money in your account the next business day.  You may be asked to fax proof of your contact information or a pay stub, but there are lenders that don’t require any of this information to be faxed to them.

    When you apply for a payday loan you will have to meet certain qualifications such as being at least 18 years of age, you must have steady income, an active bank account, and be a citizen of the United States.  You won’t have your credit history checked as the loan is based on your ability to repay it, not on FICO scores.  This is one reason that these loans can be accomplished in such a short time period.  In some cases your bank account must have been active for at least ninety days and you have to have been employed for at least six months.  You may also be asked to prove that you have a monthly income of at least $1000.

    You want to make sure that you have the money to repay the loan with your next pay check or you can wind up paying too much for the short term loan.  The fees for a short-term payday loan can be anywhere from $15 to $25 per one hundred dollars borrowed. If you borrow $300 you could get it for free the first time if you pay it back on time; however, if you can’t you are looking at $345 or $375 as a repayment.  There may also be other fees that could be incurred if the payment has to be rolled over.  So if you find yourself in a situation where you need short-term cash and this is your first time look for one that gives you that money for free.

    You should read these too:



    First Time Home Buyer Loans And Programs #best #personal #loan


    #home loans
    #

    America’s First Time Home Buyer Program Specialist

    Zero Down Payment Loans

    4 Steps To Owning Your First Home

    2. Get Pre-Approved Today so you can shop for a home tomorrow with a pre-approval letter in hand.

    3. Request Pre-Screened Realtor from FirstHomeBuyers and start house hunting today.

    4. Close on your new home, get the keys, move in, order some pizza and kick off your shoes and celebrate!

    Download Great Step-By-Step Guide on How to Buy Your 1st Home with Little or Zero Money Down! Read about the benefits of owning versus renting, how to qualify for First-Time Home Buyer Loans. how to fill out the application and get pre-approved, credit scores and qualifications, benefits of using a Realtor, first time homebuyer mistakes you want to avoid, and much more.

    Welcome to the Firsthomebuyers Loan Program and Realtor Information Center. Buying a home can be a daunting task but our mission is to educate and guide first time home buyers through every step of the process. We provide the best tools and loan programs available so you can decide if homeownership is right for you. Our goal is to make buying your 1st home a simple, fun, exciting, and hassle-free experience.

    FirstHomeBuyer Programs

    1. Fannie Mae NO PMI Program -NO PMI or mortgage insurance.
    2. Fannie Mae MyCommunityMortgage -Fannie Mae Low PMI loan.
    3. USDA Zero Down Loan Fixed rate zero down loan with 640 score.
    4. HomeBuyer Readiness Program -Take the quiz and find out if you are ready to purchase a home right now or do you need to take action to prepare yourself to become a homeowner.

    Today’s Tip and Advice: Know the difference between getting pre-approved and pre-qualified because sellers will ask you for a pre-approval letter before they accept your purchase offer on their home. Check out How Are Pre-Qualifying And Pre-Approval Different?

  • 100% Gift Purchase Program -Fannie Mae program which down payment can be all gift.
  • Good Neighbor Next Door -Teachers, Firefighters, Emergency Technicians, Law Enforcement Employees, or Police Officers get 50% discount off home in targeted area.
  • Home Possible Neighborhood Solution -Freddie Mac Community Lending program designed to meet the needs of a Teacher, Firefighter, Emergency Technician, Law Enforcement Employee, or Police Officer.
  • Family Opportunities -Parent(s) can purchase home as investment for son or daughter.
  • Fannie Mae HomePath Ready Buyerв„ў Program -Take the homebuyer education course and receive closing cost assistance toward the purchase of a Fannie Mae HomePath foreclosure.
  • Coming Soon! Fannie Mae HomeReady Program -Program will help low to moderate income individuals realize the dream of homeownership.
  • Down Payment Assistance and Grant Programs -Get grant funds or down payment assistance for down payment and closing costs. Check your state for specific programs available.
  • Government insured loan programs such as FHA requires a low down payment and VA or Veteran Loans requires 0 Down payment. Fair to marginal credit may qualify for these programs.

    1. Dream Makers Program -get $5,000 grant if you are in the military
    2. FHA -620 minimum score. If you have bad credit, you should work on improving your credit and scores.
    3. HUD Home Loan Program -FHA loan for HUD owned homes or FHA foreclosures.
    4. Kiddie Condo -Parent(s) can co-sign for son and daughter without occupying property.
    5. Streamline 203k Renovation Loan -Repairs and home improvements may be added into mortgage to fix up home. Great for foreclosures and short sales!
    6. FHA Back To Work -Program designed to assist people who experienced unemployment or severe reduction in income due to recent Recession.
    7. VA or Veteran Loan -0 Down Payment geared toward Veterans and active personnel in Navy, Army, Marine Corps, Air Force, Coast Guard, and National Guard. VA loan option available for loan amounts exceeding $417,000.

    First time home buyer programs are offered in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, DC, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

    Special Teacher, Police Officer, Fireman or Firefighter, Nurse, Paramedic or EMT, Pharmacist, Healthcare Professional, and Military Programs available in AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. You must check with mortgage lenders for current availability of specific loan program(s) in your state.



    Time To Consolidate Your Student Loans? #consolidating #debt


    #student loan consolidation calculator
    #

    Time To Consolidate Your Student Loans?

    The newest student loan data has everybody, from the federal government to the students holding the debt, very concerned. FinAid’s student loan debt clock shows that at the time this article was posted, total debts exceeded $1.2 trillion.

    A study by the Project on Student Debt of the Institute for College Access Success reported that seven in 10 students in the class of 2012 graduated with student loan debt; the average debt was $29,400. Meanwhile, figures from The College Board showed that in 2013 to 2014, colleges continued to hike tuition costs (though somewhat less than in the past). At public four-year colleges, the average was 2.9%; at private colleges and universities, 3.8%.

    In most cases, there’s no way to avoid paying back those loans. After you determine that you don’t qualify to have your loans forgiven, it’s worth investigating strategies that can keep interest and payments on student loans to a minimum. Mostly this involves some form of consolidating your loans into one or two monthly payments that are easier to handle and keep on top of.

    Could Your Loans Be Forgiven?

    Some people with federal loans are eligible for partial or full loan forgiveness (you don’t have to pay back the money you borrowed). For example, teachers with certain federal loans who spend five years teaching in an underprivileged school may qualify. Learn more at the Department of Education website. Other circumstances may qualify you for forgiveness. This website will help you determine whether you’re eligible. For more information, read Debt Forgiveness: How To Get Out Of Paying Your Student Loans.

    Two Types of Loans

    The rules for consolidation are different depending on the type of loan you have. Federal loans come from the federal government. They may be serviced by companies other than the Department of Education, but they are still considered government loans.

    Private loans come from banks, credit unions or other lenders. Private loans aren’t eligible for the same consolidation rules and options as federal loans.

    You may have both federal and private loans, especially if you have a number of loans. If that is the case, you will probably need to consolidate each type separately.

    Why Consolidate?

    First, because keeping track of payments on multiple loans can be tricky, especially when a third party purchases one or more of your loans from a lender. Consolidation will greatly reduce the number of payments you have to make each month. You may still have more than one payment, but it will be less confusing.

    Second, your interest rate will likely be locked in, giving you a fixed rate for the life of the loan. Some of your current loans might have a variable rate .

    Finally, by spreading out the term of the loan, you are likely to end up with a lower monthly loan payment. However, this will likely leave you paying more in interest by the time the loan is paid off.

    The other caution is that consolidation might take away benefits attached to some of your loans, such as discounts on the interest rate or principal rebates. For more discussion of this issue, see Student Loan Debt: Is Consolidation The Answer?

    Federal Loan Consolidation Options

    Under the College Cost Reduction and Access Act of 2007, the federal government expanded its consolidation options for federal student loans – especially the variety of repayment plans.

    If you have federal student loans in repayment or in the grace period before payments begin, you can apply for consolidation. Apply online here .

    During consolidation, you’ll be eligible for certain repayment plans that make payments more affordable.

    Standard Payments are a fixed amount each month. You’ll pay less interest, but the payments will be higher. Payments last for up to 10 years.

    Graduated Payments are lower at first but will increase periodically, normally every two years. Payments last for up to 10 years.

    Extended – Payments could be fixed or graduated. Payments last up to 25 years, so monthly payments will be lower but you will pay more interest.

    Income-Based – Maximum payment is capped at 15% of your discretionary income. Payments change as income changes and last up to 25 years.

    Pay as You Earn – Payments are 10% of discretionary income and can last up to 20 years.

    Income-Contingent – Payments are calculated annually based on your adjusted gross income, family size and total loan amount. Payments can last up to 25 years.

    Income-Sensitive – Calculated based on annual income with payments up to 10 years.

    Learn more about these repayment options here .

    Consolidating Private Loans

    Consolidating private student loans is basically the same as other loans – like a debt consolidation loan, for example. Your eligibility is determined by your credit score and other financial factors.

    Pros and Cons – The advantages are the same as for federal student loans (though, probably, with less advantageous terms). You’ll lock in one payment, you may get a lower interest rate, and the terms will reset allowing for a lower monthly payment over time.

    The disadvantages are also the same. Longer and lower payments equal more money paid in interest.

    Finding a Lender – Private consolidation is trickier because you have to pick a lender. Since this is a loan like any other, shop around. Compare interest rates and whether they’re fixed or variable. Compare fees and prepayment penalties. Research the institution, including what other people say about its customer service. Talk to somebody on the phone if the lender isn’t local to get a gut feeling about how it operates.

    Most banks offer student loan consolidation. Start with your bank or credit union if you’re happy with it. If you would rather go elsewhere, finaid.org lists lenders and their repayment terms. The list isn’t necessarily of recommended lenders; it’s just a chart for comparison purposes.

    Don’t Pay Extra

    As with everything in the private market, there are consolidation services that market these loans. Remember that applying for federal consolidation is free. No company should charge you to apply.

    The Bottom Line

    Consolidation not only bundles your loans into fewer payments, it renegotiates the loans’ terms. The longer the consolidation loan is – and the lower its payments – the more money you’ll pay over time. If you have the means to pay the loans, don’t use consolidation to unnecessarily spread the payments over a longer period of time. Pay off your loans as soon as possible to save on interest and gain the financial freedom you deserve.



    Construction Loan Example – Time Value of Money #sbi #home #loan


    #construction loan calculator
    #

    Example 11 – Construction Loan

    This example applies to our online demo Time Value of Money Calculator. The C-Value! program for Windows works in a similar way and has a few more features. Note, our online demo TVM calculator is limited to calculations using interest rates between 2.0% and 8.9%

    A loan or mortgage with multiple borrows (multiple advances or loan events) and unknown payment amounts. This example demonstrates how a credit line might be drawn down

    For greater detail about how values are entered into the TVM calculator, please see Example 1 – conventional mortgage or loan .

    Background: A construction loan is a typical example of a single debt obligation which has multiple loan advances. When one wants to build a house, they will often line up a credit line for the estimated cost of construction. The lender however, will not give the borrower access to all the funds at one time. Rather the monies will be advanced when different construction mile stones are reached. This example shows how to set up a payback schedule for this type of loan.

    The Johnson’s have received a credit line from a bank for $350,000 for the purpose of constructing a house. The initial advance will be for $75,000 and the remaining funds will be made available at different points in the construction process. Monthly payments will be made based on a 15 year payment schedule. The payment amount is unknown and will be calculated by the time value of money calculator.

    To create a loan schedule comprised of multiple loans with one payback schedule, follow these steps:

    1. Click the [New] button to clear any previous entries.
    2. Set Rounding to Open Balance by clicking on the Rounding button.

    1. Set Compounding to Monthly
    2. Enter 7.25% for the Nominal Annual Rate .
    3. Create a Loan event in row one of the cash flow input area.
    1. Set the Date to September 13, 2012 (mm/dd/yyyy)
    2. Set the Amount to $75,000.00
    3. Set the # Periods to 1.
    1. Move to the second row of the cash flow input area. Select Payment for the Event type. The regular payment amount is unknown. It will be based on the assumption that the loan will be paid-off in 15-years, i.e. 180 monthly payments.
    1. Set the Date to October 1, 2012
    2. Set the Amount to Unknown
    3. Set the # Periods to 180.
    4. Calculate the unknown. The result is $683.00

    Before the calculation, your screen will look like this.

    There is another loan event in October.

    1. Reset the # Periods for the first payment event to 1. We do this because only one payment is made before the next loan advance is required.
    2. Create a Loan event in row three of the cash flow input area.
    1. Set the Date to October 12, 2012
    2. Set the Amount to $35,400.00
    3. Set the # Periods to 1.
    1. Move to the fourth row of the cash flow input area. Select Payment for the Event type. The regular payment amount is unknown.
    1. Set the Date to November 1, 2004 (11/01/2004)
    2. Set the Amount to Unknown
    3. Set the # Periods to 179. (180 months less the one payment already made.)
    1. Reset the # Periods for the second payment event (row four) to 1.
    2. Create a Loan event in row five of the cash flow input area.
    1. Set the Date to November 8, 2004 (11/08/2004)
    2. Set the Amount to $110,500.00
    3. Set the # Periods to 1.
    1. 2nd loan event in November.
    1. Create a Loan event in row six of the cash flow input area.
    2. Set the Date to November 29, 2004 (11/29/2004)
    3. Set the Amount to $110,500.00
    4. Set the # Periods to 1.
    1. Move to the seventh row of the cash flow input area. Select Payment for the Event type. The regular payment amount is unknown.
    1. Set the Date to December 1, 2012
    2. Set the Amount to Unknown
    3. Set the # Periods to 178. (180 months less the two payments already made.)

    Before the calculation, your screen will look like this.



    First Time Home Buyer #loans #calculator


    #bad credit loan lenders
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    FHA Secure

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    Purchase

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    About the FHA

    Eligible Properties

    Ineligible Properties



    Loan Term Definition – Time Period and Specifics of a Loan #easy #loans


    #short term loan
    #

    Loan Term

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    A loan’s term can refer to two things. First, it tells you how long the loan will exist. It can also refer to requirements and specifics of the loan agreement .

    Time as Loan Term

    When you hear about a loan’s term, you’re most likely hearing about time. How long will the loan last? It can last for its entire term.

    Auto loans often have 5 or 6 year terms. However, loans can last for any number of years — as long or short as a lender and borrower are willing to agree on.

    Some time before the end of a loan’s term, the loan must be paid off or refinanced. When you get a loan (such as a 5 year auto loan ), you often have a required monthly payment. That payment is calculated so that you’ll pay off the loan entirely over the course of the loan’s term. At the end of the 5th year, your last payment will cover exactly what you owe.

    Requirements as Loan Terms

    Loan terms can also refer to an agreement. When you borrow money, you and your lender agree to certain things — terms. They’ll provide a sum of money, you’ll repay according to an agreed upon schedule, and if something goes wrong each of you has rights and responsibilities that are listed in the loan agreement. Some common loan terms include:



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    Welcome to Quick Loans Today

    Are you going through with cash shortfall? Have urgent monthly cash expenditures to carry off as soon as possible? In such crisis time you may decide to apply for a loan. However, it could be little confusing and tough task to find a right loan solution at a right time and at a right price. It is important to know all fundamentals of loans and its terms and conditions. Also it requires a lot of hard work to find a trusted network of top lenders. In order to help you to find a best loan offer at a best possible rate our online loan matching comparison web portal Quick Loans Today is there in the market for your assistance.

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    Upon approval you would be able to get sufficient amount of funds, till the smooth and flexible time period. There is no restriction on usage of loan amount. You have complete freedom to use offered finance to tackle any short term cash difficulties with no delay.

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    No Credit Car Loans

    Don’t let zero credit history affect your present. Get guaranteed approval on no credit auto loans even if you have low income. Low rates are a reality for no credit car buyers. Students and first time buyers need not worry about co-signing as it is not compulsory.

    The one thing that every American desires is a car. Automobiles are favorites on everyone’s wish-list. But, not everyone is able to strike it off the list. For all those who want to buy a car, credit score is often considered a major requirement. Does that mean people with a zero credit score cannot get car loans?

    Understanding the needs of people with no credit history, Fastautoloanapproval.com has introduced no credit auto loan program. Applicants can now easily buy the car they want-new or used with these instant loans.

    Fastautoloanapproval.com is an online auto financing company that efficiently caters to the needs of borrowers with no credit. It believes that a credit score is nothing but your history and it should never affect your present. This means you no longer have to depend on no credit needed dealers.

    Most college students and graduates/undergraduates face the problem of zero credit ratings. The company understands the importance of a car in student-life and that’s why; offers easy car loans to students, even if they have a zero credit history.

    Most first-time car buyers avail credit for the first time and they face the same trouble of no credit history. If you are facing trouble in getting quick approval, worry no more. Fastautoloanapproval.com is here to rescue you by offering car loans without credit history.

    What Factors Are Considered For Availing Car Loans without Credit?

    Fast Auto Loan Approval has wide approval criteria. Don’t think that if you are weak in one aspect, approval will become difficult. The company believes in concentrating on your strong factors and in this way, it makes financing a car with zero credit very easy.

    • Income

    • Employment Term

    • Time At Residence

    • Regularity In Making Payments of Other Loans, If Any

    • Down Payment Amount

    • Availability of Co-Signer

    • Loan To Value (LTV)

    • Age of Vehicle

    • Term of Loan

    • Miles on Vehicle

    • Total Debt to Income Including New Payment.

    By looking at these factors, you can understand that a credit score isn’t and will never be the sole responsible aspect for your loan approval.

    When you are applying with fastautoloanapproval.com, you don’t have to worry about the safety of your data. Your personal information is protected from identity theft so don’t be apprehensive about sharing your SSN and other private data.

    The no credit car loan program is a great way of building your score. Start today by applying with us.



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    #best home loan rates australia
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    RBA Cash rate changes in past 5 years:

    What is best fixed rate home loan ?

    Bank offer very lower rate on introductory interest rate to sign up new clients to their home loans. But if client does not have any historical record about their usual interest rates, that means they are signing up for something very expensive without any prior knowledge.

    To select the best fixed rate home loan, we need to understand the current market situation in term of reserve bank cash rate. If the cash rate is at usual state, or lower than usual state, it means it is risk free to take a fixed rate home loan. Some times when the cash rate remains too low, at that period of time variable rates from banks become lower than previous years fixed rate, or a fixed rate from year before. As a result it is lower in risk factors to take home loan at maximum of 3 years fixed rate. In most cases difference between total savings in 3 years on interest from a 3 years fixed rate home loan with total savings on interest from a 5 years fixed rate home loan is insignificant.

    Considering above it is lower in risk to have maximum 3 years fixed rate home loan to have best benefit on interest. And it is better not to have a fixed rate home loan when cash rate is at pick stage and it is obvious the cash rate will be reduced by next year or so.

    Click here to find current home loan interest rate offers.

    What portion of home loan should be on 3 years fixed rate home loan ?



    FHA home loan requirements – FHA loan guidelines for FHA first time buyers. #buisness #loans


    #fha home loans
    #

    Finding a FHA home

    Apply for a FHA Home Loan

    Find an FHA Expert Realtor here

    Whether you’re a first time home buyer, moving to a new home or refinancing your existing FHA mortgage. an FHA insured loan will let you purchase a home with a low down payment and flexible fha guidelines. With no income limits and flexible credit scoring, many people who can afford the monthly mortgage payments and have reasonable credit will meet the requirements to qualify for an FHA Loan. Please click on the appropriate links to learn more about a fha loan, home insurance and mortgage requirements and guidelines.

    FHA Loan Market Headlines

    9/3/13 – HUD Makes Changes to the Home Equity Conversion Mortgage (HECM) that effect senior looking to use the program.

    8/15/13 – HUD makes changes to collection accounts and charge offs that may help borrowers.

    6/12/13 – Updated Guidelines to the FHA Good Neighbor program which includes the Teacher Next Door and Officer Next Door Programs.

    1/31/13 – Dealing with Credit Scores below 620 and debt ratio’s above 43%

    9/4/08: Moratorium on Risk Based Premiums: Effective for all loans originated on or after October 1st, 2008 HUD has suspended it’s prior Mortgage Insurance Premium that took effect July 14 until September 30th, 2009. Get the correct MI premium here. – posted 1/2/2009 6:10:35 AM

    5/7/08: Expansion of FHA Secure: Effective for loans originated on or after July 14th, FHA has expanded the FHA Secure program to help more homeowners. Read more about the program under the FHA Secure tab or link. – posted 1/2/2009 6:09:34 AM

    NEW MORTGAGE INSURANCE PREMIUMS TO TAKE EFFECT JULY 14, 2008 Read about the new risk based mortgage insurance premiums. – posted 10/9/2008 12:46:14 PM

    “> | “> [1/10]

    Learn how much you can borrow in your State for a FHA Home Loan:



    Cash Till Payday Loan – We Are Here When You Need That Cash Till Payday Loan And We Will Give You A 99% Superior Approval Every Time You Apply For A Quick Loan. #used #car #loans


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    Time To Consolidate Your Student Loans? #payday #loans #online #direct #lenders


    #student loan consolidation calculator
    #

    Time To Consolidate Your Student Loans?

    The newest student loan data has everybody, from the federal government to the students holding the debt, very concerned. FinAid’s student loan debt clock shows that at the time this article was posted, total debts exceeded $1.2 trillion.

    A study by the Project on Student Debt of the Institute for College Access Success reported that seven in 10 students in the class of 2012 graduated with student loan debt; the average debt was $29,400. Meanwhile, figures from The College Board showed that in 2013 to 2014, colleges continued to hike tuition costs (though somewhat less than in the past). At public four-year colleges, the average was 2.9%; at private colleges and universities, 3.8%.

    In most cases, there’s no way to avoid paying back those loans. After you determine that you don’t qualify to have your loans forgiven, it’s worth investigating strategies that can keep interest and payments on student loans to a minimum. Mostly this involves some form of consolidating your loans into one or two monthly payments that are easier to handle and keep on top of.

    Could Your Loans Be Forgiven?

    Some people with federal loans are eligible for partial or full loan forgiveness (you don’t have to pay back the money you borrowed). For example, teachers with certain federal loans who spend five years teaching in an underprivileged school may qualify. Learn more at the Department of Education website. Other circumstances may qualify you for forgiveness. This website will help you determine whether you’re eligible. For more information, read Debt Forgiveness: How To Get Out Of Paying Your Student Loans.

    Two Types of Loans

    The rules for consolidation are different depending on the type of loan you have. Federal loans come from the federal government. They may be serviced by companies other than the Department of Education, but they are still considered government loans.

    Private loans come from banks, credit unions or other lenders. Private loans aren’t eligible for the same consolidation rules and options as federal loans.

    You may have both federal and private loans, especially if you have a number of loans. If that is the case, you will probably need to consolidate each type separately.

    Why Consolidate?

    First, because keeping track of payments on multiple loans can be tricky, especially when a third party purchases one or more of your loans from a lender. Consolidation will greatly reduce the number of payments you have to make each month. You may still have more than one payment, but it will be less confusing.

    Second, your interest rate will likely be locked in, giving you a fixed rate for the life of the loan. Some of your current loans might have a variable rate .

    Finally, by spreading out the term of the loan, you are likely to end up with a lower monthly loan payment. However, this will likely leave you paying more in interest by the time the loan is paid off.

    The other caution is that consolidation might take away benefits attached to some of your loans, such as discounts on the interest rate or principal rebates. For more discussion of this issue, see Student Loan Debt: Is Consolidation The Answer?

    Federal Loan Consolidation Options

    Under the College Cost Reduction and Access Act of 2007, the federal government expanded its consolidation options for federal student loans – especially the variety of repayment plans.

    If you have federal student loans in repayment or in the grace period before payments begin, you can apply for consolidation. Apply online here .

    During consolidation, you’ll be eligible for certain repayment plans that make payments more affordable.

    Standard Payments are a fixed amount each month. You’ll pay less interest, but the payments will be higher. Payments last for up to 10 years.

    Graduated Payments are lower at first but will increase periodically, normally every two years. Payments last for up to 10 years.

    Extended – Payments could be fixed or graduated. Payments last up to 25 years, so monthly payments will be lower but you will pay more interest.

    Income-Based – Maximum payment is capped at 15% of your discretionary income. Payments change as income changes and last up to 25 years.

    Pay as You Earn – Payments are 10% of discretionary income and can last up to 20 years.

    Income-Contingent – Payments are calculated annually based on your adjusted gross income, family size and total loan amount. Payments can last up to 25 years.

    Income-Sensitive – Calculated based on annual income with payments up to 10 years.

    Learn more about these repayment options here .

    Consolidating Private Loans

    Consolidating private student loans is basically the same as other loans – like a debt consolidation loan, for example. Your eligibility is determined by your credit score and other financial factors.

    Pros and Cons – The advantages are the same as for federal student loans (though, probably, with less advantageous terms). You’ll lock in one payment, you may get a lower interest rate, and the terms will reset allowing for a lower monthly payment over time.

    The disadvantages are also the same. Longer and lower payments equal more money paid in interest.

    Finding a Lender – Private consolidation is trickier because you have to pick a lender. Since this is a loan like any other, shop around. Compare interest rates and whether they’re fixed or variable. Compare fees and prepayment penalties. Research the institution, including what other people say about its customer service. Talk to somebody on the phone if the lender isn’t local to get a gut feeling about how it operates.

    Most banks offer student loan consolidation. Start with your bank or credit union if you’re happy with it. If you would rather go elsewhere, finaid.org lists lenders and their repayment terms. The list isn’t necessarily of recommended lenders; it’s just a chart for comparison purposes.

    Don’t Pay Extra

    As with everything in the private market, there are consolidation services that market these loans. Remember that applying for federal consolidation is free. No company should charge you to apply.

    The Bottom Line

    Consolidation not only bundles your loans into fewer payments, it renegotiates the loans’ terms. The longer the consolidation loan is – and the lower its payments – the more money you’ll pay over time. If you have the means to pay the loans, don’t use consolidation to unnecessarily spread the payments over a longer period of time. Pay off your loans as soon as possible to save on interest and gain the financial freedom you deserve.