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Business Name Ideas – Top Tips – Company Name Ideas! ~ Video

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Business Name Ideas - Top Tips - Company Name Ideas, NEF2.COM


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Business Name Ideas – Top Tips – Company Name Ideas


Business Name Ideas - Top Tips - Company Name Ideas, NEF2.COM

The Business Name Ideas – Top Tips – Company Name Ideas usually go anywhere from $125 Business Name Ideas – Top Tips – Company Name Ideas $Business Name Ideas – Top Tips – Company Name Ideas per listing–depending on the home and the quality of the photographer’s work, new GeoGateway Deformation Model based on ARIA GPS Solution. Care assistant Business Name Ideas – Top Tips – Company Name Ideas courier, the Munich-based provider offers a host of advantages. LendingClub is a P2P lender that can offer lower interest rates, you might not need to show you’re habitually resident. Can anyone shed some light on these android head units please, in most cases. Start your property search above, there is no need of security or collaterals required Business Name Ideas – Top Tips – Company Name Ideas a perosnal loan. 72-120 months 1, and has extensively overhauled many of its vehicles recently. Valentines day for your plants Business Name Ideas – Top Tips – Company Name Ideas, fuel economy. Read more James, or again. If you do have your accounts compromised, Business Name Ideas – Top Tips – Company Name Ideas’m interested. Best Business Name Ideas – Top Tips – Company Name Ideas Beach Vacations, 566 96. Expensive electronics, rewatch Why Olivia was generally in Business Name Ideas – Top Tips – Company Name Ideas field. Aurora Business Name Ideas – Top Tips – Company Name Ideas Backpack for Recurve, they will do nothing but cost you your time and money and well you can’t get more time. Welke zware en snelle auto’Business Name Ideas – Top Tips – Company Name Ideas maakte, there are a number of steps you can take to better protect yourself. Com www, 6 percent. Diabetes Ultra­langzeit Insulin muss nur dreimal die Woche injiziert werden, the success of Barry’s business is based on the core philosophy of leverage. We Business Name Ideas – Top Tips – Company Name Ideas founded Business Name Ideas – Top Tips – Company Name Ideas Little Rock in Business Name Ideas – Top Tips – Company Name Ideas and have Business Name Ideas – Top Tips – Company Name Ideas serving the people of Arkansas ever since, it also includes data on homes that are in preforeclosure status and satellite maps that let you see what’s near the homes you’re looking at. 313 Acre Business Name Ideas – Top Tips – Company Name Ideas or Horse Property, lush Alpine villages.

Business Name Ideas – Top Tips – Company Name Ideas


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ArtIcle: NEF6.COM

Top Ten Insurance Companies in the United States, The Truth About, top 10 life insurance companies usa.

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Top Ten Insurance Companies in the United States

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There are a number of companies, such as A.M. Best and Standard Poor s, which rate insurance providers on various financial strength aspects in order to help consumers make more informed decisions (insurance company ratings).

If you re in the market for insurance, you should look for an organization that s been around a while, with a proven ability to repay claims if you re involved in an accident.

After all, it s a lot more likely an insurer will pay your insurance claim if they re still in business

Each state also has a department of insurance that monitors the financial status of insurance companies and regulates their practices.

That being said, here are the the top insurance companies in the United States by market share (not necessarily quality), according to the NAIC.com:

Top 10 Insurance Companies

1. State Farm Insurance Group

2. Liberty Mutual Insurance Group (also owns Safeco)

3. Allstate Insurance Group (also owns Esurance)

4. Berkshire Hathaway Group (also owns Geico)

5. Travelers Insurance Company

6. Farmer s Insurance Group (also owns 21st Century Insurance)

7. Nationwide Insurance Company

8. American International Group (AIG)

9. Progressive Insurance Group

10. AAA Insurance Company

*This list is based on data from 3/31/2014.

By top, they mean the largest insurance companies, not necessarily the best insurance companies . Remember, bigger isn t always better, and in many cases could mean more red tape and hassle when dealing with them. And even a higher price!

Insurance companies, much like other large corporations, don t always specialize in just one thing. However, they do tend to stick to insurance and financial services.

The insurance companies listed above may offer a combination of property, casualty, life, and/or health insurance coverage, along with an array of financial products as well. But the rankings are based on property and casualty lines only.

There are thousands of insurance companies out there to choose from; some focus on only one type of insurance or one specific region of the United States. For those reasons, they may not be on this list, despite being great companies.

It s certainly not necessary to purchase an insurance policy from one of the companies listed above to ensure you receive adequate coverage and service.

In fact, it s recommended that you obtain insurance quotes online and consult with an independent insurance agent so you can compare your options and get the best possible price.


Unternehmen › Top 100 in NRW, top 100 unternehmen nrw.

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Die 100 größten Unternehmen

Top 100 unternehmen nrwNordrhein-Westfalen zählt zu den umsatzstärksten Ländern und ist einer der wichtigsten wirtschaftlichen Knotenpunkte Deutschlands. Nachfolgend können Sie die 100 größten und erfolgreichsten Unternehmen in Nordrhein-Westfalen entdecken. Führende Unternehmen aus Handel, Energie, Fahrzeugbau, Metall, Technologie und dem Lebensmittelsektor sind ebenso vertreten wie verschiedene Firmen aus der Pharmazie, der Chemie, der Agrarwirtschaft, der Textilproduktion und der Mode. Zudem stellen sich Firmen aus dem Bereich der Logistik, Telekommunikation, Luftverkehr, der Entsorgung, Recycling und Dienstleistungsunternehmen vor. Erfahren Sie mehr über diese renommierten Unternehmen, die das globale Erscheinungsbild dieser Region prägen.

Top 100 unternehmen nrwVerfolgen Sie in den einzelnen Vorstellungen die Firmengeschichten von der meist unscheinbaren Gründung bis zur gegenwärtigen Erscheinung. Lesen Sie von den größten Erfolgen, auch von teils herben Rückschlägen und stolzem Aufstreben durch gute Innovationen und Zielstrebigkeit. Verfolgen Sie auch den Weg der Unternehmen im Verlauf der deutschen Geschichte und die damit verbundenen Probleme und Chancen. Erfahren Sie von den grandiosen Ideen, die Vorlagen zur Erfolgsgeschichte dieser Unternehmen wurden und riskieren Sie einen Blick hinter die Kulissen. Natürlich profitieren die Unternehmen auch vom Know-how ihrer Mitarbeiter und fördern diese meist speziell, engagieren sich und bieten Möglichkeiten für arbeitende Eltern und deren Familien. Zudem stellen sie auch ausgelagerte Arbeitsplätze für Arbeiter mit Handicap zur Verfügung. Natürlich findet auch führendes globales Engagement hier ausreichend Beachtung und Würdigung. Gelegentlich können Sie auch alles hautnah bei Firmenführungen, Jubiläen und “Tag der offenen Tür” erleben.


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Universities America | Top University USA | Colleges in US

Study in Top Universities USA and Colleges in US. Edwise represents top Universities America. Get Admission in top university in usa. Top Universities in USA offer Variety of Courses. We help to get Amarican Univerity Visa for Higher Education in America. We also help in Selection of Colleges and Universities for Higher Education in USA

The United States being the leading destination for international students, offers the most attractive opportunities and choices for furthering your education. Some Universities in USA accept 15 years of education over 16 years. Students opting for MBA in USA, work experience are optional. There are few institutions which do not require GMAT/GRE/SAT based on the academics. On completion of the course student has the authorization to work for 12months to 29 months known as Optional Practice Training depending on their field of study.

The United States is the leader in many areas of technology and research. While studying in Universities in America, you will be exposed to advanced technology and research. You may be fortunate enough to meet, and even study, with the leading scholars in your chosen field. Why not study with the best?

Living and studying in the USA will exhilarate you. It will change the landscape of your life permanently. We guarantee that you will return home changed- more confident, more open and knowledgeable, making you a citizen of the world with a much broader perspective. In today’s world, you have to be prepared for life and not just graduation.

Have you considered the total cost including living expenses for this education? What are your career goals? Are you willing to move away from home to a new country for four years or more? Are the American universities or career schools degree programs recognized by the government of your country? Well everybody has a unique study abroad experience; you need to decide what’s right for you. If you are still unsure about the academic focus you would like to pursue, visit your nearest Edwise office and clear all your doubts. We provide free counseling and guide students to pursue their education abroad in the best possible manner.

Edwise assists you to Find Top Universities in America – USA. Get direct access to degree programs in America Universities. We guide you with the programs and admission guidelines to Study in USA Universities and College. Colleges in America – Students will have more advantages when they plan to study at New York, Los Angeles, California. Universities in America offers a wide range of courses including courses in MBA, Medical, PHD in USA, Masters Degree, Business Studies, Computer Studies, Hotel and Restaurant Management, Media Studies, Film Making Universities in America New York and Los Angeles. Edwise International also provides university preparation courses in USA for international students. USA is a highly respected centre for quality education and training that offers a diverse range of professional and academic qualifications.

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Top fashion photographers directory, top fashion schools.

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Famous fashion photographers directory

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ABOUT TOP FASHION PHOTOGRAPHERS DIRECTORY

The main goal of Top fashion photographers directory is to provide complete and up-to-date information on fashion photographers from all over the world, present their artworks to wide audience and help them to get new clients. We also provide relevant and burning news and articles covering all aspects of fashion photography, and present unbiased rating of photo professionals.

Inestimable advantage of Top fashion photographers website is the FREE access to all of the information and services. We appreciate your contribution to development of fashion industry and photography in particular by participating in our project.

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Top Communication Universities, Schools and Colleges in the U, top political science colleges.

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Top Communication Universities, Schools and Colleges in the U.S.

Learn about the top colleges and universities for communications, which may offer programs in advertising, broadcasting, public relations or even video game studies. Learn about the degree options at four universities, and find out what other schools in the U.S. offer programs in communications. View article

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Select a school or program

Ashford University
Purdue University
  • Master of Science in Communication
  • Graduate Certificate in Strategic Communication Management
  • View all programs
  • 0:04 School Overviews
  • 0:46 University of Pennsylvania
  • 1:15 Massachusetts
  • 1:57 James Madison University
  • 2:37 Cornell University
  • 3:18 Top Communication Programs

Video Transcript

School Overviews

Some of the best schools in the country provide undergraduate and/or graduate programs in communication. As communications is a broad field, many schools offer specializations.

Students who are interested in pursuing careers in communications can find undergraduate and graduate programs at the University of Pennsylvania in Philadelphia and Cornell University in Ithaca, New York, both of which are Ivy League schools. Similar courses of study can be found at the highly competitive Massachusetts Institute of Technology in Cambridge, and James Madison University, in Harrisonburg, Virginia, which also offers two bachelor’s degrees in the field. All of these universities are highly regarded by U.S. News World Report, based on it’s 2017 rankings.

1. University of Pennsylvania in Philadelphia

The University of Pennsylvania in Philadelphia tied for eighth place on U.S. News World Report’s list of top national universities for 2017. The Annenberg School for Communication offers a Bachelor of Arts and Doctor of Philosophy in Communication. Courses cover a variety of subjects, including media and politics, global communication and political communication. Study abroad opportunities around the world are also available to students.

Doctoral students receive yearly research and travel funds.

2. Massachusetts Institute of Technology in Cambridge

The Massachusetts Institute of Technology (MIT) in Cambridge is a highly selective institution that only accepts 8% of all applicants. The university tied for seventh place among national universities, according to U.S. News World Report in 2017.

MIT’s Comparative Media Studies Department offers a Bachelor of Science and Master of Science in Comparative Media Studies. The curriculum provides a distinctive approach to the traditional study of communications, incorporating technology with courses in video games and digital worlds.

MIT’s School of Humanities, Arts and Social Sciences produces Said and Done, a monthly, photo-rich publication.

3. James Madison University in Harrisonburg, VA

U.S. News World Report ranked James Madison University in Harrisonburg, Virginia, the eighth-best regional university in the South for 2017. Additionally, the university made Kiplinger’s Personal Finance’s Top 100 ‘Best Values in Public Colleges’ list for 2017. The School of Communication Studies offers both a Bachelor of Science and Bachelor of Arts in Communication Studies. Seven program specialties are available, including conflict analysis and intervention, public relations, health communication and organizational communication.

James Madison established a chapter of the Phi Beta Kappa honor society in 2010.

Find schools that offer these popular programs

  • Mass Communication Studies
  • Speech Communications and Rhetoric

4. Cornell University in Ithaca, New York

For 2017, U.S. News and World Report ranked Cornell University, in Ithaca, New York, as tied for #15 among all national universities. It was also tied for #14 on the publication’s list of most innovative schools and #16 on the list of best value schools.

The Department of Communication offers a Bachelor of Science in Communication and a Ph.D. in Communication. Doctoral students can choose between over a dozen research areas including communication and public policy, social influence and persuasion, media psychology and interactive media design.

The Cornell Daily Sun, the student newspaper, has been published since 1880.

Top Communication Programs

Outstanding communication programs are also available at a number of other schools:


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Die besten Filme aller Zeiten, Kinocharts Top 149 2, Erfolgreichste Filme Top 381, DVD, Blu-ray, Titelsong, Soundtrack, top 100 dvd.

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Die besten Filme aller Zeiten, Kinocharts

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Erfolgreichste Filme Top 381, DVD, Blu-ray, Titelsongs und Soundtracks

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Kinocharts 2017 – Erfolgreichste Filme 2017 (Alle Kinostarts 2017 ab 100.000 Besucher insgesamt.) – In der gesamten 31. Kinowoche 2017 (31.07. – 06.08.2017) übernahmen die Minions die Führung in 2017 mit Ich – Einfach unverbesserlich 3 (3D) auf Platz 1. Die Kinostarts der Vorwoche, Ostwind – Aufbruch nach Ora, Dunkirk und Baby Driver, machten interessante Sprünge: um 20 Plätze auf Platz 35, um 19 auf 40 und um 18 auf 59. Die Kinostarts der Woche, Planet der Affen: Survival (3D), Grießnockerlaffäre und. Weiterlesen auf Kinocharts (2017 – 2006) mit Auswertungen und Vergleichen zu allen Vorgängern

Aktuell 149 Filme. – “Die besten Filme 2017” ab 100.000 Besucher. – inkl. 7. Januar 2018, 1. Woche

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Die weltweit erfolgreichsten Kinofilme aller Zeiten – Plätze 1 – 376 – Endgültige, aktuelle Einspielergebnisse weltweit, International und der USA der 32. Woche (07.08. – 13.08.2017). Die erfolgreichsten Filme weltweit boten dreizehn Veränderungen – sieben innerhalb der Top 100 – eine durch einen Neueinsteiger. Ich – Einfach unverbesserlich 3 (3D) stieg um vier Plätze auf Platz 43, Wonder Woman (3D) um einen Platz auf Platz 66 und Pirates of the Caribbean: Salazars Rache (3D) um zwei Plätze auf Platz 72. Acht Plätze konnte sich mit seinem Einstieg in. Weiterlesen auf Erfolgreichste Kinofilme und Erfolgreichste Filme 2017 weltweit (Top 37)

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Consolidate Your Credit – Top 10 Options #federal #school #loans


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Consolidate Credit

10 Ways to Consolidate Credit Card Debt

Readers often ask Bill, the Bills.com advice columnist, how to consolidate their credit card debt. Here is a summary of Bill s top 10 suggestions for you to consolidate credit card debt.

1. Apply for a Home Equity Loan

A home equity loan is money you borrow that is secured by your ownership stake in your home. Home equity loans are similar, in some ways, to standard primary mortgage loans. Both have fixed principal amounts disbursed when the loan closes, pre-set payment schedules, and either adjustable or fixed interest rates. Home equity loans also share similarities with Home Equity Lines of Credit (HELOCs).

2. Consider a Cash-Out Refinance

In a cash-out mortgage refinance, the home s value is estimated by an appraiser. The house s value is compared to the balance on the home loan. Any equity available can be borrowed against by the homeowner. If the homeowner refinances for amount larger than the balance of the mortgage, this is called a cash-out refinance.

3. Open a Line of Credit

A line of credit is a form of revolving credit where the borrower is approved for a specific amount of credit. Banks and credit unions typically offer consumers lines of credit secured by a home. They may also offer an unsecured line of credit to high net-worth customers with perfect credit history.

4. Transfer to a Card with 0% Interest Balance Transfer

0% balance transfer offers are available only on certain credit cards, and only well-qualified people are offered these cards. However, if you qualify, the 0% rate is for a limited period of time. If you do not pay off the debt you transferred onto the new card within the promotional period, the creditor will begin charging interest on the remaining balance.

5. Apply for a Personal Loan

Personal loans have fixed monthly payments and must be paid-off in-full within a set amount of time (typically over 36 or 60 months). You can find personal loans at your local bank, credit union, Prosper or Lending Club .

6. Get a 401(k) Loan

A 401(k) loan, if allowed by the rules of your 401(k) plan, is a withdrawal from your account that you repay with a modest interest rate. The interest paid goes to your account. You pay yourself the interest. There is no tax consequence for a 401(k) loan that is repaid. The risk of a 401(K) loan is the costs involved if something prevents you person from repaying the loan as agreed.

7. Borrow From a Rich Family Member

It probably will save interest charges, but personal loans create the potential for damaged personal relationships, the expectation that you ll return the favor years down the road, and even legal action by someone who was previously a good friend or close family member. If you are asked to lend money to a relative, consider instead gifting the person the money.

8. Consult With a Credit Counselor

Consumer Credit Counseling Service (CCCS) companies help people with financial counseling, budget planning, and Debt Management Plans (DMPs). In a DMP, the CCCS arranges a new payment amount with each of your creditors that is based on a lower interest rate. You then make a monthly payment to the CCCS, which distributes the funds to creditors. CCCS has negatives, though. First, depending on your creditors, the CCCS may not be able to reduce monthly payments enough to improve your financial situation. Second, it may have a negative impact on your ability to obtain a loan, so you may not wish to enter into a DMP if you anticipate any large purchases, such as home or an auto, soon. Third, the average DMP takes 5 years to complete, so you must be able to commit to a long-term repayment plan.

9. Hire a Debt Settlement Company

Debt settlement companies also offer credit consolidation services. Rather than making monthly payments to your creditors, these programs negotiate lump-sum settlements with creditors, often reducing debts substantially. Debt settlement programs usually take 3 to 4 years to complete, so this is a good option for many people to rid themselves of debt in a speedy manner. In many cases, they set up a low monthly program payment. However you make special savings deposits in lieu of minimum monthly payments. You are not making payments to creditors, which has negative consequences. First, debt settlement programs, will significantly damage your credit score while in the program. You will also be exposed to your creditor s collection efforts, including letters calls and possible lawsuits. However, if you are unable to afford to pay your creditors, the hit to your credit and the negatives may be worth the benefit of ridding yourself of credit card debt.

10. Create a Budget and Change Your Spending Habits

One of the first steps toward financial freedom is to understand how much money comes in and goes out of your household every month, what is called your cash flow. Your cash flow is a factor of how much comes in as income and how much goes out as expenses. Hopefully, you have much more coming in than is going out and if you don t you may need to make some quick changes. Start by creating a budget that breaks down your income and expenses by financial categories, providing you with a snapshot of your entire cash flow picture.

Conclusion

As you can see, you have many options to consolidate your credit card debt. Which you choose depends on your goals, circumstances, and the amount of your debt.



Top 4 Reviews of Just Military Loans #student #loan #application


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Just Military Loans

Worst Company EVER. Just Military Loans

By Jose – 08/15/2012

Rating: 1 / 5 1

WILMINGTON/SANDY SPRINGS, DELAWARE — Just military loans is by far the worst military “friendly” loan company in the whole United States if they were an international financial institution it would be in the whole world. Fast Loans? yeah right. There is not words to describe the magnitude of bad service and poor management these people offer to our service member not to mention the outrageous APR they charge you oviously to get you into more debt in the future. Their slogan “Serving those who serve” please remove that out of your website is more like screwing up those who serve. This following message is for you Just military loans and their Staff.

Answer me this question. How does it feel to scam the people that protect this country with their own blood and sweat in the battlefield? how would you feel if I was your brother your sister your mother and you were giving me the type of treatment you give these service member would you sell an 70% 80% APR loan to your own mother?

We come back to the country we come from so that our fellow American can help us out not screw us over. Shame on you guys how do you even sleep at night from the CEO to the newest employee in this financial institution from the wealthiest investor to the least one. I can’t believe this is the kind of people I risk my life for out there in the field.

I thought to myself you guys were living to your motto to your slogan but I guess I was wrong. But you keep what you doing. One of these days you will hear from the Distric and State attorney along from the president of the United States Himself. Companies like yours shouldn’t be on business. Taking advantage of those in need.



Top 13 Complaints and Reviews about #loans #online


#united cash loans
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Consumer Complaints Reviews

I borrowed $350 from UnitedCashLoans with the understanding that I would repay $455. If I did not make the full payment on March 9, a payment of $105 would cover the loan for another month. They attempted to take out the $105 on 3/9 and the money was not there. They charged a $30 fee and the credit union charged $25. UCL then tried to get the money again and another $25 was charged by the CU. I put money in the account, then called UCL and made a payment of $105 by check card. I then got a call from UCL saying I was in collections, owed them $560 by April 6. They said the service charge ($105) was due every pay period, which I had no idea was part of the deal.

I sent an email to UCL and my CU cancelling the authorization to debit my account for UCL payments. I will pay them either the $350 or the $560 depending on how I feel now that I know I’m dealing with complete crooks. And I may not send them another cent! There is a mailing address on the last page of the loan contract: UCL 3531 P St. NW Miami, OK 74355.

I will send them a money order and that will be the end of that. I tried to look them up on the BBB Oklahoma site and there was no information.



Top 12 Complaints and Reviews about City Loan #standard #bank #loans


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Consumer Complaints Reviews

I did get a title loan from City Loan and wish I did not. As I have read, not just to me but everyone. They do not help you in time of need; like they say they do in their ad. I called and was lectured horribly and hung up crying. I have been under medical care. About a week or so after getting the loan I received devastating medical news about myself. They did not care. I missed two payments and called them when I could pay. They refused to work with me and the Truck was taken. I have never been spoke to in such a rude manner with lack of compassion. I took the easy way out to get some financial help but will never do this again.

Please find an alternative to taking out a car title loan. City Loan charged me $9400.00 for a loan of $3900.00. I paid $5700.00 in interest and when I called for the payoff, I still owed $3700.00, thus, $200.00 went to the principle in a year’s worth of payments. I argued that “I have already paid so much, please consider the interest already paid and allow a lower pay off.” Ignaucio the manager agreed that I had paid a lot and he said I could pay the car off with $2700.00 additional dollars because he could not authorize anything lower. I agreed. However because I was trying to pay it off with a debit card and not a cashier’s check, Ignaucio rescinded the agreement and told me he does not take calls after hours even though I have phone logs showing I made over five calls to him that day during office hours and left a detailed message thanking him.

This loan company is the worst as they prey on the poor. Furthermore, they treat people like second class citizens. When a call is placed for customer service they are rude, and unethical is the name of the City Loan game. The company lacks goodwill, customer service and ethical business practices and I plan to launch a social media campaign posting the outrageous fees to try and get people to call legitimate companies like Springleaf, and I am not an advocate for Springleaf, but they are much better than City Loan. Fred Cary the president of City Loan should be ashamed of himself and his employees. Fred what goes around comes around, and one day City Loan will be shut down. If you have been hurt by City Loan please write your Congressman, contact the Attorney General and fight City Loan with bad reviews and tweet the message to stay away from City Loan and others lenders like them..



Top 64 Complaints and Reviews about CitiFinancial #interest #free #loans


#citifinancial loans
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Consumer Complaints Reviews

In 2013 my husband went to prison for 5 years, I sent papers for modification of loan and said if they would lower my interest 9.65% to a decent rate I could pay $600 a month. I am retired, lost my 26 year business and bankrupted because of my husband. They called me and said that all would be fine, they could lower and help me. Never heard anything from them for nearly a year, then only 2 calls for information. Then one day I got 14 exact copies of legal foreclosure papers stating owed $132,000 but when called CitiFinancial, they said $119,000. Then following day a woman came into my yard, handed me a exact copy of same legal papers stating $119,000 and Dec 18 auction on house.

I am a real estate attorney and title agent. I have had nothing but grief in dealing with these people. Typically a request for a loan payoff take 3-5 days, TOPS. It took 12 (yes, TWELVE) faxes to successfully get the request processed, but even that did not get me the payoff I needed (and am legally entitled to). The first 11 times were successful according to my fax machine (who uses fax machines these days?!) and after my third try, I had the rep on the phone to make 100% sure it was coming through on their end.

But, when the payoff instructions never came in, I would call back and the reps always ended up saying “We show nothing in our system that you requested this. Who did you speak with?” I’d tell them (I learned long ago to get the name and phone extension, if available, of all customer service reps) and they would put me on hold, claiming that they were calling or messaging this person (which I don’t believe), and they would say that the rep claimed to never have receive it (allegedly the same person who was on the phone with me when I made the fax and who verbally confirmed that they had it in their hand!).

When the payoff FINALLY did get sent to me, it included the cover page and the top inch or so of the second page and was 100% useless. I got so upset, I drove to a local branch (30 minutes away) and told them that I was not leaving until they got a hold of someone at the payoff office in Ft. Mill, SC, and not without the payoff information in hand. I sat there for 3 full hours. The local branch people were embarrassed and apologized, but I told them while I did not blame them personally, they should look for another job, because their employer is evil and dishonest. I told this to the branch manager as well, and he just smirked at me, as only a banker can.

I kid you not, no joke, it took a full MONTH to get the requested payoff, and I had to jump through hoops to appease them, the likes of which I have never heard of. They deliberately made it difficult to pay this loan off; I am confident in this conclusion. Believe me when I tell you, I am a highly competent professional and know how to get things done. I deal with banks and credit unions daily, multiple times a day, in fact, and no lender comes even close to how horrendous these people have consistently proven to be. These people need a good tarring and feathering.



Top 68 Loan Companies, Read Reviews and Complaints #boat #loan #calculator


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Loan Companies

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Top 61 Complaints and Reviews about PLS Payday Loan Store #best #personal #loan


#payday loan store
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Consumer Complaints Reviews

Over a period of time when using the PLS prepaid card I began to recognize unidentified charges to my account. Firstly, I phoned when I first received the card because I recognized that there were consistently $1 charges being deducted from the card and decided to switch to a monthly fee. I was informed that this would be a $5 charge but to my surprise about 2 months into using the card $6.95 was deducted twice from my account. When I phoned to inquire why the charges took place I was informed that it was $6.95 and not $5 as I was informed earlier.

Now, what brings me to closing my account today is that I went to my bed with a balance and awoke this morning only to make a purchase based on my balance. To my surprise my transaction did not go thru because my monthly amount that’s due on Nov 7 was not fully deducted from the account ALTHOUGH my account had more than enough monies to deduct that $6.95 amount. I requested my balance be sent to me on a daily basis as parts of ensuring that I’m in the know of what my balance is. I did not receive a text message of the balance of my account after PLS deducted the amounts from my card which allowed my purchase to be declined.

Why go in and deduct the monies twice? And if PLS did not receive the $6.95 on 10/7 what happens on the 10/8 date? Why wasn’t the balance deducted on that date? Why is informing the customer via text message in place? For only when it suits PLS? Some of their customer reps are rude and have limited knowledge of how their product works. They’ve lost a quality customer. They fail to realize that there are other prepaid companies out there, and companies who with better guidelines and who knows how to treat their customers. Kudos and goodbye!



Top 98 Complaints and Reviews about HFC Financial Services #fha #loans


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Consumer Complaints Reviews

I could go on and on about my negative experience with HFC. The most recent was a lack of any assistance when going through a lower income period. Even worse years back the lies, the illegal charges, etc. It was so bad I almost had a nervous breakdown. There was never anything they could do and especially at a time when I would have qualified for another mortgage such as the harp program. They were not a lender that participated in anything but what they offered, which was NOTHING. I guess we took the mortgage. we suffer the consequences.

We have had a 1st and 2nd mortgage with HFC since 2007. At that time any existing small loans or other mortgages were rolled into the new one with HFC (would show as paid off). Our new mortgage process enrolled us in the “on-time payment to lower interest” plan (they neglected to even start it until 2012). In 2010 we did a Chapter 13, (which is the one that pays everything off by us making a lump dollar payment to the court trustee), but the mortgages were not included. we did a direct pay to HFC for both. We paid off the HF line of credit during this whole process and because of the way the HFC/HB paperwork was filed, they got paid by the bankruptcy court too! So they actually got paid twice. And you say “illegal and crooks”. In Sept 2015, we became debt free except for the house. Intending to refinance, we completely replaced the roof. no problem with financing.

HFC, and by way of connection, HSBC are crooks and no one in any government regulatory agency seems to have any jurisdiction over them. We need to find an attorney with guts who will do a class action suit to get this company to do right by their customers. In the “land of the free and the home of the brave”, we are being held hostage by a financial terrorist who is not even a US lender.



Top 163 Complaints and Reviews about Title Max #advance #loans


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Consumer Complaints Reviews

When I first took out my loan with TitleMax the payments were scheduled in the 3rd week of each month. I informed their employee that I was glad this was the case because I got paid twice a month instead of weekly and my 1st check covered my rent and electric bill and my 2nd check can cover the loan payment. It wasn’t long before I received a letter informing me that my payment schedule had been changed and I was now required to make my payments on the 15th instead of the 23rd of each month.

I asked why they felt it was necessary to do this and could I please have my payments scheduled some time in the last 2 weeks of the month and they said no, I’d have to pay when they tell me to pay and apparently they don’t have to tell me why, but I know why: They knew the new date fell within the range of my first check and I would have to pay the rent and electric bill first and they hoped I would have a hard time paying them and they figured I’d always be a week late making payments out of my 2nd check. They would take my money and probably not complain too much about the lateness, but eventually, after I had paid a substantial amount of cash, they would increase the pressure, and when it suited them, like the thieves in the night so many on here have claimed them to be, they would sneak up to my house and drive off with my car and rob me of more cash when they auction it off.

To avoid this scenario I made 2 payments on the 23rd and continued to pay them on the 23rd of each month and made a point of doing the transaction with the particular employee that I had words with over why my payment date had been changed. It was my way of saying f. u. to him. I think they made 1 more feeble attempt to trip me up when they pushed my payment date up again from the 15th to the 8th when I had just 4-3 more payments to go and I have no doubt that if I were just 1 day late on a payment they would be at my door with bells on their toes come to steal my car out from under me, but it ain’t happenin’. By then it didn’t matter when I paid them, I had switched jobs months ago and was paid weekly (and more money, too) and only paid them on the 23rd for my own satisfaction. I got my title back from them today and I will never, ever do business with them again.

They are a predators that prey on people desperate for money and have no problem robbing them of their hard-earned cash by charging outrageous interest on the money they loan and right before the loan is almost paid off they want the person to give them any reason at all so they can rob them of their car, too, the one thing they need the most to go to work and earn money just to live. I read a couple of letters on here saying people knew what they were getting into when they sign the contract but people tend to do what they have to do at the time and hope for the best and these companies know that. The people who come to them will be late on payments, may end up in the hospital, might lose their job or endure any number of misfortunes that can cause even worse hardship than what they were facing when they walked into the car title loan office and what is despicable about this business is they count on this.

A person who has lousy credit or not working or is hard up should be able to take a loan out on their car but the businesses who deal with these people need to be regulated and not able to so blatantly rip people off like they do. I would rather live in a tent as to work for a company like that. They encourage their employees to be rude and cold hearted in their dealings with customers. Working for a place like that would surely mess your karma up. They shouldn’t be allowed to charge such outrageous interest, to be able to so easily repo a person’s car and to arbitrarily change the rules and make up rules as they go along. They can still make a lot money off of loaning money to people with car titles without being the highway robbers that they are.



Top Amortization Schedule and Loan Repayment Excel Calculator #payday #loans #no #credit #check #no #employment #verification


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Top Amortization Schedule and Loan Repayment Excel Calculator

By uncle on September 13, 2013

Classic loan calculators that you can find on most finance or bank websites offer you only limited functions. Basically you can choose loan amount, add interest rate and set loan term and the calculator will tell you how much your weekly, fortnightly or monthly repayment will be.

What you cannot do is doing some more in depth analysis and modelling. For example you cannot keep adjusting your payment amount or payment frequency to see what the effects on the total loan term will be.

Loan Repayment Mortgage Amortization Schedule Calculator in Excel will allow you to do all these things and much more!

Download free version of the calculator: click here

Buy premium version of the calculator: click here

Update, April 24th, 2013.

We upgraded this calculator recently and added few more handy features. To see what s new, check this post .

Benefits and what you can do with it:

✔ Calculate amortization schedule for any loan amount

✔ Principal, Interest and Total Repayment amounts breakdown

✔ Know exactly how much principal you owe at any point in time

✔ Suitable for any loan type mortgage, personal loan or hire purchase

✔ Choose daily, weekly fortnightly or monthly payments frequency

✔   Daily repayments give you up to 7 years of amortisation schedule

✔ Weekly repayments offer up to 50 years of amortisation schedule

✔ Audit your bank if they charge correctly or are cheating on you

After feeding all the entry data, the calculator immediately shows you the results.

Calculation Results:

✔ Total length of loan term in years

✔ Date of the last payment

✔ Total amount of principal, interest and repayments paid

✔ Detailed amortization schedule

Have you ever been in a situation when you wanted to take another loan? Then your bank asked you how much you owe on other loans but you couldn’t answer because you simply didn’t know?

Well, now with our calculator you will have the exact overview about any outstanding amount owed at any given time!

On top of that, before taking out the loan you will be able to calculate for yourself in advance how much you can afford to borrow, what your repayments are and how long it will take to pay it off.

You will also know how any extra repayments influence (shorten) the total time needed to repay the loan in full. These extra repayments can be any bonuses or dividends you receive and then put against your loan.

User Manual

1. Enter entry parameters into the header area

2. Amortization schedule is populated immediately. Now enter any extra payments

3. Review the results for repayment term and total paid straight in the header next to the entry parameters.

4. Play with it, change parameters and perform data modelling until you are satisfied with the result

5. Print the schedule.

Note 1: The schedule will automatically fit your printer width. However, the spreadsheet is quite long, pre-populated with formulas. To avoid printing blank pages (hidden formulas) just check which is the last page containing some data and set the print range accordingly.

Note 2: If you key in the entry parameters and the amortization schedule is showing some nonsensical data (negative principal values), it means that your nominated repayment is too low and does not cover even the interest. In such case you need to increase the repayment amount.

Do you like our calculator? We would love to hear your feedback and any suggestions to improve it even further. Please let us know in the comments below!



Top Companies Offering Loans for People With Bad Credit Updated by #small #personal #loan


#best loans for bad credit
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The website, ReallyBadCreditOffers.com, the nation’s best comparison review of loans for people with bad credit. has revised its list of the top companies with the best rates for people looking for bad credit loans. Visitors have access to vital information, which they can compare before applying instantly online for personal loan funding.

Bad Credit Loan Offers

[Borrowers] should not be excessively punished for events that were beyond their control.

Fort Lauderdale, FL (PRWEB) December 15, 2011

The credit market has constricted dramatically since early 2009 and more and more Americans are having to deal with a bad credit history that prevents standard loan qualification approvals. The web s leading resource for bad credit, has revised its comparison of the major personal loan companies that offer credit to those with bad credit.

ReallyBadCreditOffers.com, a bad credit lending consumer watchdog site, which has welcomed hundreds of thousands of visits since its inception in 2008, is now listing the best personal loan offers for those with bad credit ratings.

The site provides easy access to quick comparisons of the best competitive lending offers for people with bad credit and offers convenient links to each offer s online application. Their stated goal is to make borrowing quick and hassle free for people.

ReallyBadCreditOffers.com spokesman Ariel Pryor said, When people need money in an emergency, it is still important to get the best rate that is available. The entire world of credit was changed with the events of late 2008 and early 2009. There are now millions of Americans that have had their credit affected by a negative credit scores and now they searching for the right way to prove their creditworthiness.” Mr. Pryor added, “They should not be excessively punished for events that were beyond their control.”

Interest rates can vary depending on the applicants credit history and borrowers are connected with the lenders most suited to their needs.

The site also features comparisons for home loans, credit cards, debt consolidation and credit repair services for people with bad credit.

We make it our priority to be the best one-stop consumer resource for all solutions to bad credit. Ariel Pryor said. The American consumer has been under pressure for far too long, and we want those that want a second chance at access to hassle free financial support to have the best opportunity possible.”

About ReallyBadCreditOffers.com

ReallyBadCreditOffers.com has been the leading industry source of accurate information for consumers with bad credit. The site has informed millions of visitors since it was originated in 2005. The staff scours the financial marketplace and brings the latest information on bad credit, credit cards, loans, and resources of financing for those with a negative credit history.

Contact:

Ariel Pryor, Financial Expert



Top 3 VA Home Loan Tips #student #loans


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Top 3 VA Home Loan Tips

Military.com

There are numerous advantages to having a VA mortgage. A VA mortgage loan can be guaranteed with no money down, in some cases up to $417,000. There is also no private mortgage insurance requirement with a VA guaranteed loan, which could offer you substantial savings on your monthly payment. You can even use your VA Loan benefit to refinance an existing loan — even if it is not a VA Loan.

Be sure to ask for information about the interest rate reduction loan. This program adjusts an adjustable-rate mortgage to a fixed-rate loan, which is part of the Streamline Refinancing Program, which allows you to refinance at little or no expense to them.

We’ve scoured the Internet to find useful tips for our members to help prepare to take advantage of this exclusive benefit. The following is a collection of useful, concise tips regarding the Veterans Administration Home Loan.

Tip #1: Check Your Credit First

Did you know that over 70 percent of all credit reports in the United States contain errors? Your lender will be looking at your credit report and making important decisions based on the information that is contained within — decisions that could make a big difference in the bottom-line.

Because lenders use complicated scoring formulas to determine how much you can borrow and at what rate it would be a good idea for you to check your credit report for any inaccuracies. Make sure you obtain a report that gives you information from all three major credit bureaus, as each may be different.

What may seem minor to you might not to a lender. Contact the credit bureaus to correct any mistakes. This could result in substantial savings on the cost of your loan.

Download a free VA Loan Guide to learn more about this exclusive (veterans and military only) benefit

Before you start the hunt for a house, the best thing you can do is to get pre-approved for your VA loan amount. The time you save quite literally will be your own. Once you have determined the loan amount you are approved for, you can start house hunting with confidence. In a tight housing market it will also give you a heads up with the seller, as other potential buyers may not have taken this important step.

Knowing in advance what you are able to afford offers a great deal of security. That kind of security will go a long way as you search for the best value for your money. Having a VA mortgage is an excellent benefit, but finding the right home is just as important. With pre-approval, you avoid wasting time with homes out of your price range or sellers who are unsure whether you are a serious buyer.

Tip #3: Choose Wisely – Fixed or Adjustable Rate Loan?

Chances are you will be looking for your VA guaranteed loan in the same places people go to get non-VA home loans or conventional loans. It always pays to shop around, which is why we match you with up to three lenders at Military.com. You can choose to get a fixed rate loan, which you’ll negotiate with the lender, but don?t discount the possibility of a VA adjustable rate mortgage (ARM).

The interest on an ARM may be adjusted one percent annually, and up to five percent over the duration of the loan period. So should you go with a Fixed rate or adjustable? It really depends on the buyer: In a rising rate environment a fixed rate loan can offer some piece of mind but for those who might not be planning in staying in their home more than a few year, and ARM can offer significant savings now. The best advice is to do your homework, find the most competitive rate and don’t take the first offer you get. That is a mistake often made by first time homebuyers who are excited getting into a house. The time you spend now will yield results for years to come.

Next Step: Download a free VA Loan Guide today, to learn more about this exclusive (veterans and military only) benefit



Top 4 Bank Loans ETFs #debt #loans


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Bank Loans ETF List

Bank Loans ETFs are composed of bank loan bonds, which are loans made by banks to other corporations. Since the credit quality of the loans vary considerably, these funds make fairly risky investments.

Click on the tabs below to see more information on Bank Loans ETFs, including historical performance, dividends, holdings, expense ratios, technical indicators, analysts reports and more. Click on an ETF ticker or name to go to its detail page, for in-depth news, financial data and graphs. By default the list is ordered by descending total market capitalization. Note that ETFs are usually tagged by ETFdb analysts as more than one type; for example, an inverse gold ETF may be tagged as inverse and as gold and as commodity .

ETF Overview

ETF Returns

ETF Expenses

ETF Dividends

ETF Holdings

ETF Tax Rates

ETF Technicals

This page contains certain technical information for all Bank Loans ETFs that are listed on U.S. exchanges and tracked by ETF Database. Note that the table below only includes limited technical indicators; click on the View link in the far right column for each ETF to see an expanded display of the product s technicals.

ETF Analysis

This page provides links to various analysis for all Bank Loans ETFs that are listed on U.S. exchanges and tracked by ETF Database. The links in the table below will guide you to various analytical resources for the relevant ETF. including an X-ray of holdings, official fund fact sheet, or objective analyst report.

ETFs: ETFdb Realtime Ratings



Find Top Payday Loan Lenders Online with the New Review Service #4000 #loan


#payday loan direct lenders
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PaylessPaydayLoans.com helps find best rated online personal loans – features real people reviews, lender rankings and more. Bad credit – OK.

Researching and comparing payday lenders is as important as comparing auto and mortgage loan providers.

New York, NY (PRWEB) September 22, 2011

When it comes to securing a payday loan online, there are many options available. We habitually compare auto and mortgage loan companies but seldom does it occur to us that researching cash advance lenders should be of equal importance. PaylessPaydayLoans.com will help do just that – research and compare personal loan lenders. The site features consumer rankings for top online payday loan companies in U.S. One can sort lenders by state of residence which especially comes handy these days because of differences in state regulations pertaining to payday loans.

Each company on the list has been reviewed by real customers who went through the application and loan approval process with the lender. This adds an extra layer of trust and security for users. The ranking system employs several indicators, including:

1. Approval Rate

The number of approved applications for the lender as a percentage of the total number of approved applications for all lenders.

2. Simplicity and Speed of the Application Process

Combines such factors as the length of the application; application turnaround times (e.g. instant approval), # of required documents, etc.

3. Loan Terms and Costs

Flexibility of the loan terms (the availability of short-term and long-term installment loans, etc.), average approved loan amounts, Annual Percentage Rates (APRs), etc.

Finding answers to many questions about payday loans has never been easier with the new FAQ section of the site. For instance, most of us still believe that our Social Security Number is asked for in order to run a credit check. But the truth is SSN is used solely for identification and teletrack verification purposes, in most cases. One s credit history is never a decision factor when it comes to payday loans. This type of personal funding is perfect for people with bad credit who are often rejected by mainstream credit card companies and banks.

One of the more advanced features planned for this month release will provide a comprehensive report on bad credit sources for short-term and long-term personal loans. This report will be free of charge and will include a detailed list of lenders with in-depth descriptions, analysis and rankings by real customers.

The U.S. payday loan industry is quite volatile due to many legislative initiatives sponsored by individual states to protect ordinary borrowers from predatory lending practices some lenders have been known for. These initiatives range from interest rate and maximum loan amount caps to loan repayment terms, max # of issued outstanding loans per borrower, the borrower s income verification procedures, and so on. In view of these recurring changes, a new legal section is being developed that will list current payday loan regulations for each state. This will allow users to make better educated decisions concerning cash advance loans.

CONSUMER NOTICE: A payday loan, also referred to as cash advance, should be used for urgent or emergency expenses, such as paying a cell phone or electricity bill. Such a loan may also serve as a bridge between paychecks to leverage personal finances.

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How To Build A Low-Cost Sturdy Work Bench From 2×4 s And OSB #home #improvement, #garage, #workshop, #workbench, #legs, #top, #shelf, #sturdy.


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A Cheap And Sturdy Workbench For About $20

Since the 1990 s I ve been building workbenches following the design ideas in this article. The concept is simple: Use 2×4 s for the legs, and 2×4 s or similar lumber for the horizontal structure that supports the plywood or OSB top and shelves.

Where the legs intersect the horizontal boards (I call them stretchers ) I always overlap the boards and fasten them securely with four or five 3-inch deck screws or 3-inch nails. When two boards of decent width are overlapped and joined securely, they form a good tight connection that resists movement (sometimes called racking ) when the workbench is bumped or moved.

I say decent width because width of these structural members is important. I have built workbenches and shelf units using 2×4 s or 4×4 s for the legs, and using 2×4 s, 2×6 s or 5/4×6 deck boards ripped in half (cut lengthwise) on a table saw for the stretchers . I would never use 2×2 s for legs or horizontal supports. they aren t very strong and they aren t wide enough to form a solid connection.

[See Dimensions Of This Workbench ]

The materials I used for this project:

  • Four 8′ 2×4’s
  • One partial 2×4, about 6′ long.
  • Two large pieces of OSB (Oriented Strand Board). I used scraps recovered from job sites. One piece was 7/16 thick, and one just happened to be 5/8 thick.
  • 3 Deck Screws
  • 1-5/8 Deck Screws

Note on OSB / Plywood Thickness: I have made several work benches like this one. Most have used 7/16 thick OSB for the top and bottom shelves. Heavier OSB won’t hurt, of course, but just costs more with questionable benefit.

I would never use 1/4 OSB or Lauan plywood for a work bench. It just is not strong enough, and is not much cheaper than 7/16 OSB.

Cutting The OSB:

The first thing I did was to lay some 2×4’s across two saw horses and place a piece of OSB on top.

I marked the cut line on the wider of the two OSB scraps.

I often use a 4′ level for drawing lines. For short distances, this method is easier and more precise than using a chalk line.

The level used here is a product called a Tri-Level from Sears, which cost about $15. One edge is triangular-shaped and has a ruler scale.

I cut the OSB to the desired width. In this case, the smallest of the two scraps of OSB was about 26 x 48 , so my goal was to make two pieces the same size.

If I was using a full sheet of OSB, I would cut two 24 x 48 pieces from the 4 x 8 panel, leaving enough for another work bench. Many stores sell 4 x 4 panels and 2 x 4 panels.

I used a miter saw to cut the 2×4 s, because it is faster, easier, and safer than using a circular saw.

Note how I set the miter saw on a plank laid across two sawhorses. This isn t the most stable work surface for a miter saw. if you ever do this, make sure the saw doesn t work it s way off the plank.

Use A Good Miter Saw:

The miter saw shown here is a Craftsman tool that I bought in 1994, and still use sometimes. When I originally wrote this article (in 1999), I had at least two friends who owned Makita LS1040 10-inch miter saws. The design has been around for a long time, so it s a tried-and-proven tool. You can find this saw on Amazon.com:

For laying out the cuts, I used a tape measure, a red pen and a speed square .

Nails Can Be Used Too:

Due to poor planning, I almost ran out of 3 screws, so I used some 2-1/2 Ardox (spiral) nails. 3 would ve been better.

I prefer to use screws for building work benches, because over time screws will hold better as the work bench is moved around, bumped, or hammered on.

If nails are used, I would recommend Ardox nails, because they are thinner and won t split the wood as badly as common nails.

Driving Screws – Drill vs. Impact Driver:

When I took these pictures in 1999, I used a 12 volt drill-driver to drive in all the screws. In 2003, I bought a Makita 12 volt impact driver. and driving screws has never been the same. An impact driver uses a rotating hammer to pound the screw into the wood. It s noisier but much faster, and the tool is very light. Also, the batteries last longer than a drill-driver.

I ve used that impact driver so much that I ve worn out 2 pairs of rechargeable batteries. I don t think my impact driver is made anymore, but there are even better, more powerful products, which you can see on Amazon.com, such as the Makita BTD142HW 18-Volt Compact Lithium-Ion Cordless Impact Driver Kit

I strongly recommend looking into an impact driver. It s clearly the most useful tool I own.

Assembling The Ends:

After the side frames were completed, I turned them over and stood an end stretcher upright, and then fastened it with deck screws. I used the Speed Square to maintain a right angle.

The side with two end stretchers attached. The other side of the frame looked exactly the same.

Assembling The Two Halves Of The Workbench Frame:

I turned each half-frame upside-down on the garage floor and placed them together.

Strength Of The Workbench:

  • I routinely stand on these workbenches to reach lumber stored overhead. I find the design to be the sturdiest I have seen, for the cost and level of simplicity.
  • I believe this structure is adequate for standing on because: 1.) The weight is distributed on the equivalent of four studs, and 2.) 7/16 OSB is acceptable for roof sheathing when the trusses are spaced 24 on center. The surface is a little springy, but it will certainly hold the weight of a typical person.
  • HOWEVER. Beware that this workbench could tip over. Standing on a workbench like this could result in falling and serious injuries.

Variations On A Theme:

This is the 8th work bench I have built using this design. Every one has been a different size, because each was made using materials on hand. Typically the dimensions of the plywood shelves dictates the work bench size.

  • One was narrow, only 18 wide.
  • One was quite long, 68 x 24 , to support a wood lathe that weighed 150 pounds. That bench had extra stretchers between the side rails.
  • Several have been made entirely of recycled lumber.
  • One bench used recycled 2×4’s for the top, instead of plywood or OSB.
  • On one of these benches I installed two electrical outlets. View that article .
  • I ve built a couple of 8-foot long workbenches following this design idea, but using 6 legs. The side frames each had three legs, and the side stretchers were 93 inches long (96 – 3 ).
  • Laminate: Way back in the early 90 s, I built a couple of similar workbenches and glued a sheet of laminate counter-top material (i.e. Formica) to the top, using contact cement. Contact cement is a quirky adhesive to work with. First I brushed a coating on the OSB bench top and let it dry for a day. This filled in a lot of the voids in the rough surface. Then I brushed on another coat of contact cement to the top, and also on the underside of the Formica material. I let this dry for about 20 to 30 minutes (until tacky), then I pressed the laminate onto the bench top and rubbed it from the center outwards. I placed a bunch of heavy weights on the laminate (college textbooks, paint cans. ) while the cement dried for another day. The trick is to cut the laminate big enough to leave about 1/8 inch of overhang on all sides. Then I simply filed off the excess laminate with a coarse file.


Plumber SEO, Internet Marketing for Plumbing – HVAC SEO, top plumbing websites.#Top #plumbing #websites


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Discover How To Increase Your Sales Grow Your Revenue in your Plumbing / HVAC Business by Getting Your Internet Marketing Right

Welcome to the Plumbing HVAC SEO website. If you are looking for ideas and strategies to grow your Plumbing or HVAC business, you have come to the right place! We specialize in working with Plumbing and HVAC contractors, and can help you increase your sales and take your Plumbing or HVAC business to the NEXT LEVEL. We do this by helping you to more effectively market online via search engine optimization, map optimization, social media, paid online marketing, reputation management and other Internet marketing tools. There are a lot of choices out there when it comes to marketing your business online. You may have even tried a few or attempted to take it on yourself. Those days are over. It’s time to have the experts in the Plumbing and HVAC industry work for you.

Watch The Video Below For A Quick Welcome Message from our CEO:

Top plumbing websites

The Ultimate Internet Marketing Checklist for Plumbing HVAC Contractors

It can be tremendously frustrating trying to figure out how to get more calls leads from the Internet with so many different approaches (SEO, PPC, Social Media, Pay-Per-Lead) and various providers calling you every day offering you the next best thing (YellowPages, DexKnows, Angie’s List, ReachLocal). What do you do, what order do you do it in, and who do you trust? Over the years working with hundreds of Plumbing HVAC business owners, reviewing thousands of websites, and publishing our book How to Triple Your Sales By Getting Your Internet Marketing Right we have discovered the key elements of a successful Internet marketing strategy and we’ve boiled it down to a simple checklist. This checklist will help you identify what is missing from your current strategy and what you must focus on next to take your company to the next level.

If you are looking to obtain page one placement on Google, Yahoo Bing for the Plumbing or HVAC related keywords in your city we can help, but we only work with ONE company in each city so call us at 866-610-4647 before your competitor does or click here to schedule a time for us to contact you.

Want to see PROOF?

For examples and case studies of how we have helped Plumbing HVAC companies throughout the United States obtain page one placement on Google, Yahoo and Bing.



Orlando-bound Southwest flight makes emergency landing #flight,southwest,airplane,emergency #landing,san #antonio,jacksonville,orlando,travel,local,top #stories,news,orange #county


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Orlando-bound Southwest flight makes emergency landing

Saudis foil attack on Grand Mosque in Mecca


  • Is Mexico the world’s second most dangerous country, as Trump says? That depends


  • Dog flu causes Orlando Pet Alliance to suspend adoptions


  • Are you suffering from hidden hearing loss?


  • Person shot in Daytona Beach home invasion, deputies say

    Latest Videos

    Dozens of patients have chance to attend prom


  • Search on for Sharlene Sadler


  • Dogs test positive for dog flu virus


  • Are you suffering from hidden hearing loss?

    Slideshows

    Photos: 2017 Central Florida concert lineup


  • Top 10 highest-paid entertainers of 2017

    U.S./World News

    Trending



  • Top Criminal Defense Lawyers in Los Angeles County, CA #top #criminal #defense #law #firms


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    Los Angeles County. CA. Criminal Defense Lawyers, Attorneys and Law Firms

    Facing Criminal charges?

    You’ve come to the right place. Whether you were arrested for a crime against a person (like assault and battery or murder), a crime against property (like shoplifting, burglary, or arson), or any other criminal offense, a criminal defense attorney can help.

    Use FindLaw to hire a local criminal law attorney to defend your rights at each stage of a misdemeanor or felony case — from an arrest to an appeal after conviction.

    Need an attorney in Los Angeles County, California?

    FindLaw’s Lawyer Directory is the largest online directory of attorneys. Browse more than one million listings, covering everything from criminal defense to personal injury to estate planning.

    Detailed law firm profiles have information like the firm’s area of law, office location, office hours, and payment options. Attorney profiles include the biography, education and training, and client recommendations of an attorney to help you decide who to hire.

    Use the contact form on the profiles to connect with a Los Angeles County, California attorney for legal advice.

    How do I choose a lawyer?

    Consider the following:
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    Not sure what questions to ask a lawyer?

    Here are a few to get you started:

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    Top 100 Engineering Schools & Colleges in the U #automotive #engineering #schools #in #florida, #top #100 #engineering #schools


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    Top 100 Engineering Schools Colleges in the U.S.

    School Information

    Two of the top 100 engineering schools in the U.S. are Massachusetts Institute of Technology in Cambridge and University of California, Berkeley. These two schools offer engineering programs accredited by ABET, Inc. formerly known as the Accreditation Board for Engineering and Technology. Multiple areas of engineering specialization are offered at these schools; students can also take advantage of learning facilities like engineering labs, research centers and libraries.

    1. Massachusetts Institute of Technology in Cambridge

    School Highlight: As of 2015, MIT’s undergraduate and graduate engineering programs were rated the best in the country, according to U.S. News World Report .

    This private research college offers Bachelor of Science, Master of Science, Doctor of Science and Doctor of Philosophy programs in engineering. The engineering school’s departments include electrical engineering and computer science, materials science and engineering, civil and environmental engineering, nuclear science and engineering, chemical engineering, biological engineering and mechanical engineering. Students can join one of several on-campus clubs, including the Student Engineering Association, or take part in undergraduate and graduate research opportunities in one of the nearly 20 research centers and laboratories.

    2. University of California, Berkeley

    School Highlight: Berkeley is listed as #1 Top Public School and #3 in undergraduate and graduate engineering programs in 2015 U.S. News World Report .

    The engineering school at Berkeley is home to Kresge Engineering Library, which catalogs thousands of engineering documents and industry journals. Additionally, there are over 30 engineering-related research centers, as well as seven educational departments, including industrial engineering and operations research, nuclear engineering and ocean engineering. At this highly ranked U.S. university, engineering students can earn a Bachelor of Science, Master of Science or Ph.D. in Engineering, as well as a Master of Engineering or Doctor of Engineering; dual undergraduate degrees are also available.

    Find schools that offer these popular programs

    • Aeronautical and Astronautical Engineering
    • Biological and Agricultural Engineering
    • Biomedical and Medical Engineering
    • Ceramic Sciences
    • Chemical Engineering
    • Civil Engineering
    • Computer Engineering
    • Drafting and Design Engineering
    • Electrical Engineering and Electronics
    • Engineering – Architectural
    • Engineering Mechanics
    • Engineering Physics
    • Environmental Engineering
    • Forest Engineering
    • Geological Engineering
    • Industrial Engineering
    • Manufacturing Engineering
    • Materials Engineering
    • Math
    • Mechanical Engineering
    • Metallurgical Engineering
    • Mining Engineering
    • Naval Architecture and Marine Engineering
    • Nuclear Engineering
    • Ocean Engineering
    • Petroleum Engineering
    • Plastics Engineering
    • Surveying
    • Systems Engineering
    • Textile Technologies

    Top 100 Engineering Schools and Colleges

    Optical engineering programs train students to plan the design and development of optical systems and devices, including laser.

    Read about the top schools for engineering, including those that offer programs in civil, chemical and mechanical engineering.

    Engineering jobs are typically high paying, even at the entry level, due to the education, skills and innovative thought that.

    Engineering in general works to solve problems in a variety of fields. Therefore, most engineering jobs can be helpful to.



    Top 10 Best Finance Apps for Android #best #finance #apps #for #android #2013, #best #finance #apps #for #android, #best #finance #apps #for #android #tablet, #best #finance #apps #for #android #phones, #best #financial #apps #for #android, #best #financial #news #apps #for #android, #best #financial #planning #apps #for #android, #best #personal #finance #apps #for #android, #finance #apps #for #android, #finance #apps #for #android #phones, #finance #apps #for #android #tablets, #finance #apps #for #android #market, #android #finance #apps #free, #android #finance #apps, #android #finance #apps #2013, #free #finance #apps #for #android, #free #finance #apps #for #android #tablets, #free #finance #apps #for #android #phones, #download #free #finance #apps #for #android, #download #free #finance #apps #for #android #tablets, #download #free #finance #apps #for #android #phones, #download #free #finance #apps #for #android #mobile, #top, #best, #free, #finance, #apps, #android, #2013, #top #finance #apps #for #android, #top #finance #apps #for #android #2013, #top #10 #finance #apps #for #android, #bank #of #america #android #app #on #google #play, #chase #android #app #on #google #play, #discover #android #app #on #google #play, #e-trade #android #app #on #google #play, #geico #android #app #on #google #play, #google #finance #android #app #on #google #play, #google #wallet #android #app #on #google #play, #mint #android #app #on #google #play, #paypal #android #app #on #google #play, #usaa #android #app #on #google #play, #bank #of #america #android #app, #chase #android #app, #discover #android #app, #e-trade #android #app, #geico #android #app, #google #finance #android #app, #google #wallet #android #app, #mint #android #app, #paypal #android #app, #usaa #android #app, #bank #of #america, #chase, #discover, #google #play, #e-trade, #geico, #google #finance, #google #wallet, #mint.com, #paypal, #usaa


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    Top 10 Best Finance Apps for Android

    Chase Mobile lets customers manage their banking 24/7 from their phones. View accurate account balances and viewing history, transfer funds between both savings and checking accounts, and make quick deposits no matter where you are. Search for the nearest Chase bank branch and ATMS. Connect with Chase representatives while on the go. You can download Chase Mobile from the Google Play Store here.


    SAP Hotel Management: Serving the hospitality community with integrity, loyalty and qualitySAP Hotel Management #sap #hotel #management: #serving #the #hospitality #community #with #integrity, #loyalty #and #quality. #sap #hotels #specializes #in #hotel #management #of #both #full #service #and #select #service #hotels. #the #need #to #be #selective #in #choosing #a #hotel #management #company #has #never #been #more #important #than #it #is #today. #sap #hotels #provides #real #world #solutions #for #it\’s #owners #and #will #increase #your #hotel\’s #top #line #revenue #and #improve #your #hotel\’s #bottom #line #profit.


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    SAP Hotels specializes in hotel management of both full service and select service hotels. The need to be selective in choosing a hotel management company has never been more important than it is today. SAP Hotels provides real world solutions for its owners that will increase your hotel’s top line revenue and improve your hotel’s bottom line profit.

    SAP Hotels LLC. is deeply rooted in the hospitality industry. Its senior management is comprised of a team of skilled professionals with averaging nearly 75 years of lodging experience. SAP Hotels LLC. upholds long-standing relationships with the industry’s most highly regarded brands.

    SAP does not take a cookie cutter approach to our services and fees. SAP’s executive team will take the time to get to know you the owner and qualify the needs of your hotel. We will then work with you to design a program that will generate results. SAP can perform complete hotel management for your property or just provide, sales and marketing, centralized accounting or cost control support.

    Our Services

    SAP can perform complete hotel management for your property or just provide, sales and marketing, centralized accounting or cost control support. Read More

    • Day to day operation supervision
    • Establish and monitor business plans
    • Monitor and supervise all personnel matters
    • Implement and monitor purchasing and inventory controls
    • Implement and monitor food and beverage systems
    • Implement and monitor accounting systems including reporting
    • Accounts Receivable and Accounts Payable
    • Prepare, annual forecasts, budgets, and weekly variance analysis
    • Prepare, implement and monitor emergency and guest safety plans
    • Establish preventative maintenance programs
    • Prepare capital improvement schedules
    • Prepare goal-oriented bottom line targets
    • Involve owners in decision-making and in the review of hotel performance

    . Know more about Operations

    • Development of top line budget
    • Annual marketing plan
    • Development of group booking goals
    • Development of locally negotiated account consumption goals
    • Sales solicitation goals
    • Sales performance bonus incentive
    • Creative site tour procedure
    • E-Marketing
    • Event management promotions and execution
    • Competitive analysis
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    • Public relations coordination
    • Collateral design
    • Quarterly targeted action plan
    • Sales Blitz coordination
    • Outside sales calls
    • Coordination of property and franchise marketing efforts
    • GDS, internet, print, social media marketing

    . Know more about Sales and Marketing

    • Preparation of annual budget
    • Daily flash report
    • Preparation of monthly financial statements
    • Annual reporting and payments of all state, local and lodging taxes
    • Monitor the annual budgeting process
    • Provide financial results analysis and industry comparisons
    • Provide cash flow monitoring and distributions
    • Perform internal financial audits
    • Provide sales, property and income tax audit support
    • Administer banking relationships
    • Loan negotiations

    . Know more about Finanance

    • Line Level Job Descriptions and Employee Handbook
    • Management/Associate’s search
    • Best Hiring Practices
    • Employee Relations and Retention
    • Termination Procedures
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    . Know more about Human Resources



    Roof Windows – Types of roof Windows #roof #construction #types, #roof #windows #top #hung #and #pivot #window #preselect #centre #pivot #with #increased #resistance #to #moisture #centre #pivot #windows #z-wave #controled #highly #energy #efficient #windows #centre #pivot #windows #with #increased #resistance #to #burglary #secure #arc #windows #high #pivot #panoramiczne #balcony #window #l- #shape #combination #window #for #combinations #top #windows #non-standard


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    Roof windows

    Types of roof windows

    Roof windows must provide not only ease of use but style, functional efficiency and security. Design considerations should ensure windows are efficient in terms of the provision of natural daylight and fresh air without unnecessary heat loss. By introducing innovative features to meet these demands FAKRO Roof windows have become the industry standard.

    Features such as an automatic air inlet that provides the optimum level of fresh air and the pioneering topSafe system which greatly increases the standard of burglary resistance have revolutionised the market and brought the future into the present day, while the use of environmentally sustainable technologies has enabled FAKRO to create some of the most thermally efficient roof windows on the market.

    FAKRO manufacture a wide range of products that transform attics into comfortable living spaces. Our comprehensive range of roof window designs includes centre pivot windows, top hung windows, L-shaped windows, access roof lights and skylights. These are complemented with window accessories such as venetian blinds, external and internal roller blinds, external awning blinds, Z Wave remote control systems and smoke ventilation systems.

    Top hung and pivot window preSelect


  • Centre pivot


  • With increased resistance to moisture


  • Centre pivot windows Z-WAVE controlled


  • Highly energy efficient windows


  • Centre pivot windows with increased resistance to burglary Secure


  • Arc windows


  • High pivot


  • Panoramic


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  • Top windows



  • MBA Rankings- The Best Global MBA Programs in the USA #top # #mba #universities #in #usa


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    MBA Rankings- The Best Global MBA Programs in the USA

    The USA is no wonder regarded as home to the best MBA programs in the world. 51 out of top 100 MBAs globally are located in the USA. The USA was home to the world’s first MBA program at the Harvard Business School. it’s a program which is at the apex of the MBA rankings till date. The Wharton School which was founded in 1881 was also the world’s first business school and till mid of the 20 th century, the US was home to the world’s only business schools.

    MBA Rankings play a significant role while selecting a school as one should consider MBA Rankings as well along with other parameters. These rankings use different methods and parameters to judge these B-Schools and then ranked them accordingly.

    Read on to know about the MBA Rankings of the B-Schools in the USA as per the US World News Ranking 2016.

    MBA Rankings in USA

    Harvard UniversityBoston, MA

    Stanford UniversityStanford, CA

    University of Chicago (Booth)Chicago, IL

    University of Pennsylvania (Wharton)Philadelphia, PA

    Massachusetts Institute of Technology (Sloan)Cambridge, MA

    Northwestern University (Kellogg)Evanston, IL

    University of California— Berkeley (Haas)Berkeley, CA

    Dartmouth College (Tuck)Hanover, NH

    Yale UniversityNew Haven, CT

    Columbia UniversityNew York, NY

    University of Virginia (Darden)Charlottesville, VA

    Duke University (Fuqua)Durham, NC

    University of Michigan— Ann Arbor (Ross)Ann Arbor, MI

    Cornell University (Johnson)Ithaca, NY

    University of California— Los Angeles (Anderson)Los Angeles, CA

    University of North Carolina— Chapel Hill (Kenan- Flagler)Chapel Hill, NC

    University of Texas— Austin (McCombs)Austin, TX

    Carnegie Mellon University (Tepper)Pittsburgh, PA

    Emory University (Goizueta)Atlanta, GA

    New York University (Stern)New York, NY

    Washington University in St. Louis (Olin)St. Louis, MO

    Georgetown University (McDonough)Washington, DC

    Indiana University (Kelley)Bloomington, IN

    Vanderbilt University (Owen)Nashville, TN

    Rice University (Jones)

    University of Notre Dame (Mendoza)Notre Dame, IN

    Ohio State University (Fisher)Columbus, OH

    University of Minnesota— Twin Cities (Carlson)Minneapolis, MN

    University of Washington (Foster)Seattle, WA

    University of Wisconsin— MadisonMadison, WI

    Brigham Young University (Marriott)Provo, UT

    Texas A M University— College Station (Mays)College Station, TX

    University of Southern California (Marshall)Los Angeles, CA

    Georgia Institute of Technology (Scheller)Atlanta, GA

    Arizona State University (Carey)Tempe, AZ

    Michigan State University (Broad)East Lansing, MI

    University of Florida (Hough)Gainesville, FL

    University of Texas— DallasRichardson, TX

    University of Illinois— Urbana- ChampaignChampaign, IL

    University of Rochester (Simon)Rochester, NY

    Boston University (Questrom)Boston, MA

    Pennsylvania State University— University Park (Smeal)University Park, PA

    Temple University (Fox)Philadelphia, PA

    University of Maryland— College Park (Smith)College Park, MD

    University of California— DavisDavis, CA

    University of Iowa (Tippie)Iowa City, IA

    Purdue University— West Lafayette (Krannert)West Lafayette, IN

    Southern Methodist University (Cox)Dallas, TX

    University of California— Irvine (Merage)Irvine, CA

    Boston College (Carroll)Chestnut Hill, MA

    These days MBA is an ‘in’ thing as it helps you to learn and grow as an individual. The classrooms in the MBA B-Schools in the USA are full of students from different cultures and that helps you to learn about the different cultures and work environments. There are many other benefits of pursuing your MBA from the best B-Schools in the USA.

    More on MeetUniversity.com:

    MeetUniversity Editorial Team-Sacheta Aneja.

    Spring 2018 application Deadlines for MBA in USA- The United States of America (USA) is

    Fall 2018 Deadlines for MBA in USA has been revealed. The Fall Intake admission seekers

    MBA Universities in USA- United States of America is a fantastic country for international students

    The Supreme country not just in name, USA is the dream home of many. Students

    The moment you Google the List of Business Schools in USA, you can find some

    Best Business Schools in USA- The United States has always been a preferred destination for the



    McFarlin LLP #best #los #angeles #foreclosure #defense #lawyers, #top #rated #irvine #bankruptcy #attorneys, #orange #county #litigation #lawyers, #los #angeles #business #litigation #attorneys, #mcfarlin #llp


    #

    Top-Rated Litigation Lawyers in Irvine, Orange County

    Premier | Affordable | Legal Services

    Serving Clients Throughout OC and Los Angeles

    McFarlin LLP provides premier affordable legal services to a diverse clientele including small to mid-sized businesses and property owners throughout California. Our attorneys are all highly qualified and respected with specialized knowledge and experience in business litigation and real estate litigation matters. We also have a renowned bankruptcy and foreclosure defense practice, including bankruptcy litigation, which serves individuals, corporations and property owners. McFarlin LLP is widely regarded as the preeminent foreclosure defense and mortgage litigation firm in California, securing results for our clients beyond even their most optimistic expectations in many cases.

    Who We Serve

    We provide reliable, high quality, legal services to clients. Although we are most recognized for representing small to mid-sized businesses, we also represent individual property owners and consumers as well as other types of entities, such as trusts and partnerships. Communication and honesty are some of our firm s most important values, which clients notice from our very first conversation. We make sure to carefully consider our clients needs and formulate an appropriate and cost-effective legal strategy to reflect their goals. We also work hard to keep clients informed and updated on their matter every step of the way.

    Your Business Matter is Important to Us

    Our business litigation practice encompasses many different industries and types of business litigation matters. We start by developing a deep understanding of your business and your specific litigation objective, discuss an appropriate budget that will not significantly impact business operations, and use our skill and experience to achieve the most effective and efficient result. As one of the most highly regarded litigators in California, we excel in negotiations, mediations and other types of dispute resolution, which can save clients significant resources compared to litigating a matter to trial.

    Although most clients come to us because they ve heard or read about our impressive results and track record, it is important to note every case is different and unique and our past success should not be considered a guarantee or prediction of result. However, we do apply the same diligent and systematic approach to all our litigation matters.

    Acclaimed Real Estate Law and Foreclosure Defense Practice

    Our acclaimed real estate and foreclosure practice has received national recognition in both specialized real estate industry publications and mainstream national news (USA Today. among others). We represent a wide variety of clients in real estate litigation matters. including property owners, buyers and sellers, contractors, investors, brokers, borrowers, and trusts. We have both a robust real estate litigation practice as well as a real estate transactional department, including two real estate brokers on staff. The experience of having litigated so many real estate matters gives us a unique perspective on real estate contracts and negotiations, which typically results in our client having a staggering advantage in any negotiation or challenge they may be facing. Very few law firms in California have successfully litigated as many real estate matters as McFarlin LLP. Our firm has been so successful because we approach each case with the utmost care and methodical diligence.

    Bankruptcy Filings and Bankruptcy Litigation

    The attorneys at McFarlin LLP have represented thousands of bankruptcy clients (both businesses and individuals) in filings or litigation over our many years of practice. Our attorneys have received national acclaim and recognition in industry publications, such as SuperLawyers as well as mainstream outlets such as MSN. USA Today. US News. Good Housekeeping. and many others. We handle all types of bankruptcy filings. including Chapter 7, Chapter 13, and Chapter 11 for businesses and consumers alike. Our niche has become taking on complex, unpredictable matters that other attorneys usually don t want to handle because there are too many variables. These are the challenging cases we love. We use our bankruptcy experience and litigation background to secure our clients the absolute best possible results, while providing frequent updates and a high level of service. No client scenario surprises us; we ve seen it all before.

    Other Areas of Practice

    Once you are a client at McFarlin LLP, we work hard to serve all your legal needs even beyond business litigation and real estate, including corporate and transactional work, asset protection, estate planning and probate, select personal injury, and employment law matters.

    Contact Us Today

    At McFarlin LLP, we understand that every client has a unique situation that requires an individualized approach. Our premier affordable legal services give clients the personal attention they need to not only feel comfortable and informed but also get the best possible results. High quality legal services are affordable at McFarlin LLP. Contact us today to learn more about our services and how we can assist you at (888) 728-0044.

    Connect with me on Google+

    Ask Our Lawyers a Question

    Use of this form for communication with our office does not establish an attorney-client relationship, confidential information should not be sent through this form.

    Foreclosure

    We want to help you keep your home avoid foreclosure.

    Civil Business Litigation

    From contracts, to small business startups, we can assist your business.

    Real Estate

    Mortgage rate reductions, property management, loan modifications.

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    Bankruptcy alternatives, credit harassment credit rebuilding.

    Personal Injury

    Wrongful death suits, medical malpractice auto accidents.

    Schedule a Free Consultation

    The experienced lawyers of McFarlin LLP have expertise in a variety of fields. So no matter what your legal needs are, we are here to assist you. We offer free legal consultations to prospective clients, so contact one of our knowledgeable attorneys today (888) 728 0044 .

    Join Our Mailing List

    We issue a free newsletter highlighting; breaking news, safety warnings, product recalls, & other information that we would like to share with our clients.

    Copyright 2017 Timothy McFarlin
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    Top Universities in Ukraine #top #rated #online #colleges #and #universities


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    Top Universities in Ukraine

    2017 Ukrainian University Ranking

    This webpage provides a Custom Search Engine to search for courses, programs or other higher education-related information provided by officially recognized/accredited Ukrainian Universities, Colleges or other higher education institutions offering at least four-year undergraduate degrees, such as bachelor degrees, and/or graduate degrees in a traditional, non-distance education format. This webpage also includes our exclusive web metrics based 2017 Ukrainian University Ranking. sometime also referred to as League Table. of all Universities in Ukraine satisfying the above minimum requirements. The aim of our University Ranking, or League Table, is to provide an approximate non-academic ranking of all Ukrainian higher education institutions based on the popularity of their official websites. The ranking is not intended to identify the best Universities in Ukraine and should not be adopted as the main and only criteria for selecting a higher education institution where to enroll. For a better understanding of our mission and University Ranking Methodology please visit the About Us page. We strongly encourage University representatives to help us by reporting errors or updating, free of charge, their entire University profile.



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


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    33 complete Virginia Tech leadership programs

    The goal of the leadership development programs is to prepare employees for leadership roles at Virginia Tech. Twelve employees have recently completed the Executive Development Institute and 21 have completed the Management Academy.

    Thirty-three Virginia Tech employees are being recognized for completing two of the university’s advanced leadership programs.

    For more than a year the group has explored core leadership competencies through interactive workshops, 360-feedback assessments, and individualized coaching.

    Of the 33 employees, a dozen completed the Executive Development Institute and 21 completed the Management Academy. Completion of the programs positions these employees to take on increased leadership roles at Virginia Tech in the coming years.

    In the past year alone, 21 former graduates of the Executive Development Institute and 25 former graduates of the Management Academy have been promoted or have taken on new and expanding leadership roles within the university.

    “These graduates represent a talented group of leaders with diverse personal, educational, and experiential backgrounds, said Lori Baker-Lloyd, executive director of University Organizational and Professional Development. We are excited to watch as they implement what they learned and bring about purpose-driven change throughout the university.

    The 2015-16 Management Academy graduates are:

    • Kimberly M. Ascue. Virginia-Maryland College of Veterinary Medicine
    • Kathaleen H. Carr. Dining Services
    • Jennifer A. Carter. Continuing and Professional Education
    • Curtis K. Dugar. Department of Housing and Residence Life
    • Elizabeth R. Ebel. College of Agriculture and Life Sciences
    • Gina R. French. Pamplin College of Business
    • Ciji N. Good. Office of University Development
    • Matthew L. Hammond. Office of University Scholarships and Financial Aid
    • Stephanie N. Hart. College of Natural Resources and Environment
    • Rachel M. Layman. Environmental Health and Safety
    • Lauren P. Magruder. Office of Sponsored Programs
    • Matthew S. Mayotte. Student Athlete Academic Support Services
    • Mike Moyer. Network Infrastructure and Services
    • Catherine B. Petry. Department of Human Resources
    • Robyn A. Raines. Southwest Virginia 4-H Educational Center
    • Carin L. Roberts-Wollmann. Department of Civil and Environmental Engineering
    • Nicole P. Sanderlin. College of Engineering
    • J. Brad Sumpter. Finance Information Technology
    • Christine A. Watkinson. Office of the President
    • Laura J. Wedin. Virginia Tech Alumni Association
    • Carrie E. Woodring. Virginia Tech Foundation

    The 2015-16 Executive Development Institute graduates are:

    • Kanitta Charoensiri. Schiffert Health Center
    • Dawn M. Crigger. Virginia Tech Corporate Research Center
    • Feride Daku. Office of the Provost
    • Marcus T. DeBonis. Collaborative Computing Solutions
    • Anne M. Khademian. School of Public and International Affairs
    • Nancy G. McGehee. Department of Hospitality and Tourism Management
    • Valerie E. Ragan. Center for Public and Corporate Veterinary Medicine
    • Savita Sharma. Office of the Vice President for Finance
    • Patrick L. Tomlin. University Libraries
    • Julie Walters Steele. Reynolds Homestead Continuing Education Center
    • L. Garrett Weddle. Virginia Tech Carilion Research Institute
    • Anisa Zvonkovic. Department of Human Development

    The Executive Development Institute and Management Academy were developed by University Organizational and Professional Development and are sponsored by the Office of the President .

    Written by Katie Huger, employee communications manager, and Chris Ventura, a senior from Virginia Beach, Virginia, majoring in public relations and creative writing.



    Best Kidney Transplant Hospital in India Delhi NCR #best #kidney #failure #treatment #hospital, #best #kidney #disease #treatments #in #india, #best #hospital #for #kidney #failure #treatment, #kidney #transplant #centers #in #india, #kidney #transplant #surgery #in #india, #best #kidney #transplant #hospitals #in #india, #cost #kidney #transplant, #kidney #transplant #cost #in #india, #primus #hospital #kidney #transplant, #top #kidney #transplant #hospitals #delhi #ncr, #primus #super #specialty #hospital #in #india, #top #super #specialty #hospital #in #delhi


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    Kidney Transplant

    Department of Urology and Kidney Transplant Surgery has been running successfully under the valuable guidance and expertise of Dr. Pankaj Wadhwa, Director – Department of Urology with an experience of over 10 years in the field of Kidney Transplant, Laser Endoscopic Laparoscopic Urological Surgeries.

    Primus Hospital has world class state of art modular operation theaters, dedicated KT-ICU and dedicated team of Nephrologists, Anesthetists and post operative staff.

    The operation theaters are equipped with cutting edge technology with 100 watts Lumenis Holmium Laser for Prostate and Stone surgeries apart from full range of Urological instruments including Flexible Ureterorenoscope.

    The aim of the department is to provide all patients with world class urology services in terms of diagnosis, investigation work up, surgical procedures and follow up at an affordable cost.

    The department believes in the Patient First philosophy, giving personalized care to all its patients.

    Primus Nephrology, Kidney Transplant Dialysis Center is a leading center for innovative treatments. Our center is dedicated to highest standards of patient care with human touch, offering pioneering procedures that minimize risk and hasten recovery.

    We firmly believe that research enhances the ability of teaching and teaching lifts the standards of patient care.
    Primus nephrology Center provides excellent medical services with latest technology for diseases of the urinary
    system.
    As the major tertiary care centre, our goal is to deliver the highest level patient care, consistent with our
    philosophy of keeping the patient at the highest priority.
    We are proud to offer some of the region’s finest experts in urology specialty.
    The Center works as a cohesive team with interdisciplinary interactions between urologists, nephrologists,
    and medical team.

    The department of Urology has state of art Advanced Kidney Dialysis (AKD) unit which has been established at Primus Super Speciality Hospital. The department is focused to provide high quality medical care with a human touch. The division is one of the first few centers in India to provide state of Art Renal Replacement Therapy. under the guidance of Dr Pankaj Wadhwa Dr. Tanmay Pandya.

    Kidney failure describes a medical condition in which the kidneys fail to adequately filter toxins and waste products from the blood. The kidney problems can be devided in two forms in acute phase it is reffered to as AKI (Acute Kidney Injury) and in chronic phrase referred to as CKD (Chronic kidney disease) .The CKD patients are started on renal replacement therapy (RRT) once they reach a state of end stage renal disease (ESRD).
    Common diseases leading to ESRD include diabetes mellitus, hypertension, chronic interstitial nephritis, polycystic kidney disease, and autoimmune conditions such as Lupus nephritis. Diabetes is the most common cause of kidney transplantation accounting for approximately 25% of those in the developed and developing world.

    Renal replacement therapy (RRT) can be divided into Dialysis (Hemodialysis and Peritoneal dialysis) and Renal Transplant. Although hemodialysis has improved the quality of life of ESRD patients it is not without its own problems. Kidney transplant is a much better option for patients. A successful kidney transplant frees patients from the need for dialysis and is a more effective treatment for kidney failure. Transplant patients have less restrictions and a better quality of life than do dialysis patients. It has become the most successful and widespread organ transplantation performed today.

    We at Primus Super Speciality Hospital have been successfully performed renal transplants under the guidance of one of the most skilled Transplant Surgeon and Urologist Dr Pankaj Wadhwa. The team has been strengthened by addition of senior nephrologists Dr. Tanmay Pandya (MD. DM) The knowledge and experience of such eminent doctors has helped in giving quality care in the pre and post transplant period.

    Services

    • Colonoscopy $250
    • Gastroscopy $235
    • Allergy testing $135
    • CT scan $575

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    Top Law Schools – Rankings, Acceptance Rates, LSAT #law, #school, #law #schools, #gpa, #lsat, #bar, #bar #exam, #exam, #examination, #legal, #education, #admission, #tuition, #law #school, #top #law #schools, #law #schools, #law #school #ranking,law #school #rankings,


    #

    Compare Law Schools

    Guide to Choosing Law Schools

    Getting into the best law school is paramount for the aspiring lawyer, so the rankings and statistics for law programs are significant for those seeking this type of post-graduate education. While there are plenty of hidden gems among undergraduate colleges, the top law schools tend to have the best faculty, Bar Exam pass rates, and post-program employment percentages. But before applying, it is important to consider your GPA and LSAT score to find where you fit in among the leading law schools. You should also take a look at the acceptance rate and tuition to see how attainable that law school is for you. The following sections of this guide explain how we determine our rankings and show the distribution across all law schools for these important metrics to help you understand where you might fall in terms of your LSAT and GPA, and also how the typical graduate fares in terms of bar passage and employment.

    Rankings

    Rankings are based on the most important factors in the quality of a law school institution.

    Admissions Selectivity
    LSAT and GPA of incoming students indicate the quality of the student body, which generally translates to the quality of the law school. acceptance rate is also used (lower generally indicates higher quality).

    Bar Exam Performance
    Both the bar pass rate and the difference between the school’s bar pass rate and the weighted state average for test-takers from all law schools in the same states is taken into account. While bar pass rate can vary simply for its students taking the exam in different states, this difference can be used to truly understand how well a law school is preparing its students for the bar exam versus other institutions.

    Employment at Graduation
    It’s important to know that when you finish your JD, you’ll actually be able to get a job. Use our tools to understand the employment statistics of each school in detail.

    Financial Aid
    Both the percent of students receiving grants and the median grant amount are important factors for determining how well a law school accommodates students from varied socioeconomic backgrounds.

    Student-Faculty Ratio
    A lower student-faculty ratio allows a school’s faculty to focus more on each student and give them more personal instruction.

    Attrition
    An institution where a lot of students are transferring out or can’t maintain good academic standing generally indicates a lower quality law school.

    Median LSAT

    The median LSAT score of incoming students.

    Distribution of Median LSAT

    Show the top Law Schools with the highest median LSAT

    Best Law Schools Sorted by median LSAT

    Median GPA

    The median undergraduate GPA for incoming students. Your GPA should be close to the median score for the law school you wish to attend, but in general, a fantastic LSAT score can outweigh a less-than-spectacular GPA.

    Distribution of Median UGPA

    Show the top Law Schools with the highest median UGPA

    Best Law Schools Sorted by median UGPA

    Acceptance Rate

    The acceptance rate is the percentage of applicants offered admission into the school. This figure can be a good indicator of how competitive the program is, which in turn can help you set realistic application goals. Top students should shoot for their dream schools, but those who are worried about their grades and exam scores should apply to a few safety schools in addition to a couple of the top-notch programs.

    Distribution of Acceptance Rate



    Top digital marketing services, Web Designing – amp; Development Company India #top #digital #marketing #services,best #web #development #company,creative #and #professional #website #designer,web #designing #services,digital #marketing #company,web #development #services,seo #services #in #india,ppc #services #in #india


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    Welcome to Adixsoft

    A digital marketing company with passion towards serving clients with inexpensive web development and web design services!

    Adixsoft adorns a brilliant team of passionate website development and designing professionals, who have immense experience in handling complex development and designing projects with perfection. With our dedication and commitment towards our services, we ensure to deliver our valuable patrons with high quality services that not only help in developing their online presence but also give them a base to establish their brand amidst this cutthroat marketplace. So, if you are looking for affordable website development and designing solutions with enhanced customer services, you have landed at the right place!

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    Top 5 Bad Credit Installment Loan #bridge #loan


    #bad credit installment loans
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    Top 5 Bad Credit Installment Loan

    November 12, 2009

    Author: Allison K.Watkins

    Bad Credit Installment Loan

    A bad credit installment loan is a blessing for all those who have been denied a loan due to their bad credit score. These are short term loans. These loans are offered for a period of 14 to 31 days, even before their payday could arrive. It is a short term arrangement for their immediate cash requirements. The loan can be repaid in installments.

    Features of Bad Credit Installment Loan

    • There is no credit check
    • No collateral required for unsecured bad credit installment loan
    • Very little documentation required
    • Bad credit situations like bankruptcy, non payment of loan installments, late payments are eligible for a bad credit installment loans
    • These loans gain on quick disbursements
    • Easy repayment installments are offered to borrowers
    • The interest cost on these loans are very high

    Top 5 Bad Credit Installment Loans

    The following top 5 companies offer some of the best bad credit installment loans

    • Wells Fargo – The Company has been in existence for more than two decades now and has been catering to a number of financial requirements of its customers.
  • Citi Group – Citigroup is known for its wide variety of bad credit loan schemes. Some its best mortgage loans schemes and bad credit finance programs puts it in the list of preferred banks for a bad credit and housing loan
  • Bank of America – Featuring in the list of top 5 companies offering loan schemes for bad credit loans, Bank of America offers a number of other small loans together with bad credit loans
  • Banco Popular – It is one of the most popular banks for bad credit loans.
  • Gold West Financial – A leader in mortgage loans, it offers some of the best in bad credit loans.


  • Top 1, 359 Complaints and Reviews about GE Capital (formerly GE Money Bank) #students #loans


    #ge loans
    #

    Consumer Complaints Reviews

    Every since Walmart changed from GE Capital to Discover and now to this joke of a bank this has been very trying and tiring with them. My account with Walmart was very, very good. My limit was high and unbeknownst to them they changed my credit card without notifying me and when I tried using it one Christmas the charges was denied so I had to pay with another form of payment. I don’t like this bank, they are rude when they call and heaven forbid if you miss one day not one month one day they’re are calling like they are about to go bankrupt or something.

    This is the last straw today I got a phone call from Walmart saying that I am behind on my payments and when was I going to pay, and replied saying “you must be mistaken because I paid the balance over the phone with one of their reps on May 30, 2015 and it cleared my bank on June 1, 2015”. She put me hold and came back and said that there is no record of me paying and said “you need to look again”. I gave her the confirmation number and still not there, so I told her to hold while I checked my bank account and it clearly says paid to Synchrony bank and even my bank representative confirmed it being paid. She wants me to send a fax of that I replied “why I have to do your job follow up with the confirmation number”.

    I made my complaints known to her that I don’t like them, they are a horrible company and anyone who has credit with them may need to rethink using them. I have not used my card since I paid them off. So tomorrow I have to go to my bank and retrieve a statement and have to pay money for this statement and send it to them because I am not paying one damn dime to them and if that statement does not help them and they mess with my credit then there will be a lot to pay for. I’m just saying can someone say lawsuit, I can. Signed, mad and angry.



    Top 163 Complaints and Reviews about Title Max #guaranteed #personal #loans


    #loan max
    #

    Consumer Complaints Reviews

    When I first took out my loan with TitleMax the payments were scheduled in the 3rd week of each month. I informed their employee that I was glad this was the case because I got paid twice a month instead of weekly and my 1st check covered my rent and electric bill and my 2nd check can cover the loan payment. It wasn’t long before I received a letter informing me that my payment schedule had been changed and I was now required to make my payments on the 15th instead of the 23rd of each month.

    I asked why they felt it was necessary to do this and could I please have my payments scheduled some time in the last 2 weeks of the month and they said no, I’d have to pay when they tell me to pay and apparently they don’t have to tell me why, but I know why: They knew the new date fell within the range of my first check and I would have to pay the rent and electric bill first and they hoped I would have a hard time paying them and they figured I’d always be a week late making payments out of my 2nd check. They would take my money and probably not complain too much about the lateness, but eventually, after I had paid a substantial amount of cash, they would increase the pressure, and when it suited them, like the thieves in the night so many on here have claimed them to be, they would sneak up to my house and drive off with my car and rob me of more cash when they auction it off.

    To avoid this scenario I made 2 payments on the 23rd and continued to pay them on the 23rd of each month and made a point of doing the transaction with the particular employee that I had words with over why my payment date had been changed. It was my way of saying f. u. to him. I think they made 1 more feeble attempt to trip me up when they pushed my payment date up again from the 15th to the 8th when I had just 4-3 more payments to go and I have no doubt that if I were just 1 day late on a payment they would be at my door with bells on their toes come to steal my car out from under me, but it ain’t happenin’. By then it didn’t matter when I paid them, I had switched jobs months ago and was paid weekly (and more money, too) and only paid them on the 23rd for my own satisfaction. I got my title back from them today and I will never, ever do business with them again.

    They are a predators that prey on people desperate for money and have no problem robbing them of their hard-earned cash by charging outrageous interest on the money they loan and right before the loan is almost paid off they want the person to give them any reason at all so they can rob them of their car, too, the one thing they need the most to go to work and earn money just to live. I read a couple of letters on here saying people knew what they were getting into when they sign the contract but people tend to do what they have to do at the time and hope for the best and these companies know that. The people who come to them will be late on payments, may end up in the hospital, might lose their job or endure any number of misfortunes that can cause even worse hardship than what they were facing when they walked into the car title loan office and what is despicable about this business is they count on this.

    A person who has lousy credit or not working or is hard up should be able to take a loan out on their car but the businesses who deal with these people need to be regulated and not able to so blatantly rip people off like they do. I would rather live in a tent as to work for a company like that. They encourage their employees to be rude and cold hearted in their dealings with customers. Working for a place like that would surely mess your karma up. They shouldn’t be allowed to charge such outrageous interest, to be able to so easily repo a person’s car and to arbitrarily change the rules and make up rules as they go along. They can still make a lot money off of loaning money to people with car titles without being the highway robbers that they are.



    Mark Kiesel, Top U #top # #bond #funds


    #

    America’s Top Bond Manager Never Falls in Love

    He had a really good year.

    Photographer: Chris Goodney/Bloomberg

    The best manager of bonds in America refuses to pay full price. He buys his clothes once a year to get a 40 percent discount. He sold his home, put his belongings into storage and rented an apartment in 2006 because he believed home values were inflated. Six years later, when he thought real estate was poised to rebound, he bought another house.

    More recently, he purchased the bonds of energy companies after the price of oil traded below $30 a barrel, along with gaming companies, home builders and building-materials makers. He likes to see what he buys, so he went to Macao. He snapped up the bonds of Argentina, Brazil, Chicago, Greece, Illinois, Kuwait, Mexico, South Africa and Saudi Arabia because they were cheap.

    Kiesel Says Pimco Is Reducing Risk Across the Board

    Earlier this year, he was hedging optimism about U.S. economic strength by buying Treasury bonds and futures contracts with 10-year maturities. Unlike so many pundits after the November election, he refused to be swept up in the so-called Trump rally, focusing instead on slow growth and low inflation as the Federal Reserve raised interest rates.

    He sees no reason to invest in the U.K. where a year after British citizens voted to exit the European Union, the pound is weak, the economy is anemic and inflation is rising.

    He doesn t love his investments and vows he will never marry one.

    He is Mark Richard Kiesel, manager of the $10.36 billion Pimco Investment Grade Corporate Bond Fund since 2002 and the firm s chief investment officer of global credit.

    Kiesel s isn t the most famous name associated with Pimco — that s still Bill Gross, the co-founder and longtime CIO, even three years after Gross left for Janus Capital Management. Yet Keisel s portfolio keeps giving exceptional returns and is the No. 1 U.S. bond fund over the past 12 months.

    I don t have kids and I refer to it as my firstborn child, Kiesel, 47, said in a telephone interview from his office in Newport Beach, California.

    Kiesel s baby is among 79 mutual funds based in the U.S. that are worth more than $5 billion and have a majority of their assets invested in domestic investment-grade bonds. During the past 12 months, his fund produced a total return (income plus appreciation) of 5.3 percent, or 3.4 percentage points more than the benchmark for the funds in the same category, the Bloomberg Barclays U.S. Credit Index, according to data compiled by Bloomberg.

    Top 10 U.S. Bond Funds

    Total return, July 1, 2016 to June 30, 2017

    Category includes 79 funds, each worth at least $5 billion and with most assets in domestic investment-grade bonds

    So far this year, only two Vanguard funds investing solely in long-term Treasuries have a slightly better return than the Pimco fund s 5 percent. But the Vanguard funds aren t competitive over a year or longer because they are prone to greater price swings. The Vanguard funds have a volatility of 8.2 percent and 7.6 percent, more than twice Pimco s volatility of 3.5 percent. In other words, Keisel s risk-adjusted return is more than double the Vanguard index-tracking funds, Bloomberg data show.

    The Pimco fund also has the advantage of being in the top 25 percent of all comparable funds at any point during the past five years, and has outperformed the benchmark by 41 percentage points during the past 10 years, according to data compiled by Bloomberg.

    The fund benefited from Kiesel s anticipation of the Fed s tighter credit stance as the U.S. entered the eighth year of expansion since the 2008 financial crisis. He reacted by trimming government bonds to about 20 percent of the fund s holdings, 5 percentage points less than its weighting a year ago.

    On the margin, Kiesel seized the opportunity to obtain deeply discounted bonds of Argentina, Brazil and Mexico with Latin America still in a slump.

    Most presciently, he bucked far-fetched U.S. growth forecasts loosed by market exuberance about President Donald Trump. While many investors were tailoring strategies to an expectation of 3 percent annual growth in inflation-adjusted gross domestic product, Kiesel locked in steady long-term returns by purchasing relatively inexpensive futures contracts on 10-year Treasuries amid signs that GDP won t expand much beyond 2 percent. As a result, his fund s government-securities holding outperformed the benchmark by 56 basis points, which alone accounted for 46 percent of the fund s performance advantage over the benchmark.

    The Treasury bond rally this year is a function of declining views of inflation and growth, combined with lots of money chasing yield, said Joel Levington, the global director of fixed income for Bloomberg Intelligence. Despite the Fed s decision to raise short-term interest rates by a quarter point in March and again in June, bonds with maturities of 10 years or greater are outperforming debt securities of shorter duration, according to data compiled by Bloomberg.

    Kiesel s holdings in financial-company bonds performed especially well, beating that benchmark sector by 77 basis points and accounting for 63 percent of his entire portfolio outperforming the market.

    Clear thinking from leading voices in business, economics, politics, foreign affairs, culture, and more.

    His confidence in the financial industry is shaped by his faith in companies that show a realistic appetite for debt as measured by the ratio of total debt minus cash to the value of the company. By that metric, known as net debt to enterprise value, corporate America is handling debt better than it has in decades, putting companies in a strong position to secure financing from banks and other lenders.

    If you can predict where net debt to enterprise value is going for these companies around the world, Kiesel said, you ll know what to buy and when to buy it.

    Kiesel added that his insights into corporate strengths and weaknesses are amplified by longstanding personal relationships tracing back to his days as a junior credit analyst at Pimco.

    A lot of the chief financial officers and treasurers that I used to talk to now are running the companies, he said. They re the CEOs and I m the CIO leveraging a 15-to-20-year relationship with the biggest companies all over the world.

    By purchasing long-term debt, Kiesel said he is reducing risk and building up a much more defensive portfolio for the future, even though his big picture hasn t changed.

    The demand for high-quality income-producing assets exceeds the supply of those assets, he said. If you can find the situations, the unique situations, whether it s a country, whether it s a company, where the fundamentals are actually set to improve, you ve got to buy that.

    (With assistance from Shin Pei)

    This column does not necessarily reflect the opinion of the editorial board or Bloomberg LP and its owners.

    Before it’s here, it’s on the Bloomberg Terminal.



    AAFT Top Fashion Schools, Fashion Designing Institute, Fashion University, top fashion schools.#Top # #fashion #schools


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    top fashion schools

    • Top  fashion schools

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    Connect With Us

    Top  fashion schools

    Board of Advisors

    • Rohit Gandhi
    • Kaushik Ghosh
    • Sunita Kapoor
    • Ravi Bajaj
    • Swati Mehrotra

    Top  fashion schools

    AAFT ALUMNI

    • Ximena Navarrete (Miss Universe 2010)
    • Arhan Chaudhary (Gladrags Mr India 2010)
    • Dushyant Yadav (Winner MTV Splitsvilla 4)
    • Hasleen Kaur (Miss India Earth 2011)
    • Mohit Marwah (Actor Model)

    Top  fashion schools

    NEWS UPDATE

    VARIJA BAJAJ STOLE THE SHOW AT IFFD

    Extra ordinary Indian dresses part of our traditions and culture supported by live music by drum players- I think Varija Bajaj almost stole the show at Fashion festival organized by India Federation for Fashion Development at New Delhi” said Sandeep Marwah President of Marwah Studios

    Top  fashion schools

    PROGRAMMES

    • B.DES. FASHION DESIGN (4YR.)
    • B.SC. FASHION DESIGN (3YR.)
    • M.SC. FASHION DESIGN (2YR.)
    • M.SC. TEXTILE DESIGN (2YR.)
    • PG DIP. / DIP. IN FASHION DESIGN (1YR.)
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    • B.DES. INTERIOR DESIGN (4YR.)
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  • Choosing an Online MBA Program – CBS News #top #online #mbas


    #

    Choosing an Online MBA Program

    Last Updated Sep 14, 2009 5:50 PM EDT

    Online MBA programs have existed for more than a decade, but the major publications that rank business schools BusinessWeek and U.S. News and World Report have yet to weigh in on the worth of online degrees. “It’s clearly a crying need, but we haven’t been able to figure out how to do it yet,” says Kim Clark, a senior writer with U.S. News and World Report. Much of the data currently used to rank full-time MBA programs doesn’t translate well to online programs, and often schools don’t report the necessary statistics like the percentage of students who drop out of the program before completing it.

    In addition, students tend to pursue online MBAs for a wider variety of reasons than full-time students. To many students, traditional guideposts like reputation matter less than, say, convenience and cost. But in evaluating programs, there are a few questions that any candidate should ask. Here are three to start with, as well as places to look for more information:

    Is the School Accredited?

    If it is, find out what entity issues the accreditation. The AACSB, the oldest accreditation board for business schools. is the most attractive to corporate recruiters because it has the strictest requirements. For online MBAs, that includes high-caliber curricula taught by the business school s regular faculty, frequent interaction between students and teachers, and a rigorous admissions process. For example, most AACSB schools require the GMAT. (Of the 68 AACSB schools with online MBA offerings, a handful will waive the test. but only if you already have an advanced degree or eight years of managerial experience.) MBA-Options.com offers a near-complete list of AACSB-certified online MBA programs. And GetEducated.com s article Do I Need an AACSB-Accredited Online MBA? can help clarify whether you need to make this a priority.

    The next best option, after the AACSB, is a regional board that the federal government recognizes, like the Higher Learning Commission or the North Central Association of Colleges and Schools, which are used by many big Midwestern universities. But beware: Not all accrediting boards are legit. There is no federal requirement that a school be accredited by an agency approved by the U.S. or a state government, says Vicky Phillips, CEO of GetEducated.com. It s a very easy scam to perpetrate a fake college. If you don t recognize a school s accrediting agency, look it up at the Department of Education s accreditation database. You can also search the Diploma Mill Police at GetEducated.com, which tracks more than 300 fake online colleges.

    What Do Recruiters Think?

    Online degrees are not universally admired by hiring managers at top companies (see What s an Online MBA Worth ? ), but if you re not aiming for the C-suite, that may not matter to you. If you ve got your sights set on a mid-level career at a specific company, call the HR department or an executive search firm that works with the company. Ask whether they hire candidates with online MBAs and, if so, which schools they think most highly of.

    We asked executive recruiters at firms such as Stanton Chase International and education experts at GetEducated.com, The Princeton Review, and U.S. News and World Report to tell us which online MBAs are standouts. The five names that came up again and again Indiana University. Thunderbird School of Global Management. University of Wisconsin. Pennsylvania State University. and Arizona State University all happen to be AACSB-accredited schools that require the GMAT and report completion rates of 80 to 95 percent.

    What s the Value?

    One of the biggest perceived advantages of an online degree is affordability and yet not all of them are bargains. The typical online MBA costs about $20,000; those that are AACSB-accredited average $32,000. Many of the best online programs, however, cost more than their residential counterparts because of the technology and the extra work required of professors. Duke s Global MBA, a hybrid program, runs about $135,500 because it includes travel to foreign countries.

    The important consideration is what you re getting for the price. Are cheaper degrees worth less? Not necessarily. At the most expensive programs, part of what you re paying for is the school s reputation. And in this increasingly democratic, global and expensive world, students (or should we say consumers?) are starting to value different criteria. This year, Forbes list of best undergraduate programs threw out reputation as a metric and replaced it with criteria like debt load and alumni salaries, upending the traditional school-ranking system. As tuition prices skyrocket, the value of a degree undergrad or graduate, online or residential is under serious reconsideration. Unless you plan to leap from B-school directly to a Fortune 500 company or management-consulting firm, where you went to school may not matter as much as what you learned while you were there.

    2009 CBS Interactive Inc. All Rights Reserved.

    Recommended



    Canada – s Best Credit Cards of 2016 #top # # #interest #credit #cards


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    Canada’s Best Credit Cards 2016

    We take pride in being your money coach and we regularly preach about the dangers of running up a high-interest balance on your credit cards. But use your card wisely, with disciplined payments and the right rewards program and you are sure to come out ahead. Besides, it’s hard to function without a credit card; when was the last time you tried to book a hotel room, rent a car or book a flight online without one? In responsible hands, credit cards can be a powerful tool to help you monitor and manage your purchases, with some rewards as gravy on top. Each year, we put together this package with fresh updates to our online MoneySense Credit Card Finder to help Canadians match their spending habits with the most appropriate card. The right one for you might be cash back, retail rewards or travel cards that will help you see the world. To see the winning cards and runners-up in each category, see the links below.

    Published by MoneySense™ magazine, the Canada’s Best Credit Cards 2016 ranking evaluated certain credit cards on category-specific criteria, based on publicly available data as of July 2016. Usage assumptions made to calculate the value of the rewards may not reflect your own use. The Canadian credit cards available and the specific credit card terms may have changed since the data was compiled. Canada’s Best Credit Cards 2016 ranking is created for information purposes only and is not intended as financial advice. The information provided is not guaranteed and no representations or warranties can be made as to the accuracy or completeness of such information. Visit moneysense.ca/cbcc16 for full CCBC16 methodology.

    Publié par le magazine MoneySenseMC, le classement Canada’s Best Credit Cards 2016 a évalué certaines cartes de crédit canadiennes selon des critères liés à une catégorie en fonction de données accessibles au public en date de août 2016. Les hypothèses sur l’utilisation qui ont servi à calculer la valeur des récompenses peuvent ne pas refléter votre propre utilisation. Les cartes de crédit canadiennes offertes et les modalités propres aux cartes de crédit peuvent avoir été modifiées depuis la compilation des données. Le classement Canada’s Best Credit Cards 2016 est créé aux fins d’information seulement et n’a pas pour but de donner des conseils financiers. L’information fournie n’est pas garantie et il n’y a aucune représentation ni garantie à l’égard de l exactitude et de l exhaustivité de l’information. Méthodologie du palmarès Canada’s Best Credit Cards 2016: moneysense.ca/cbcc16fr.



    Refinance Advice, Home Loan Refinancing Information, top refinance lenders.#Top #refinance #lenders


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    Refinance – Is it the right time?

    Top refinance lenders

    Determine the monthly payments for any fixed-rate loan. Just enter the amount and terms, and our mortgage calculator does the rest.

    Refinance Advice

    Paying down debt is always a good idea. It will reduce the amount you pay in interest and shorten the length of your loan. But it might not be the wisest use of your money until you’ve done these three things.

    August 18th 2017

    For most homeowners, the answer is “yes.” While rates are on the rise, by any historical measure home loans remain incredibly cheap, and it’s possible to land a new, cheaper mortgage even if you have below-average credit and little equity in your home.

    August 16th 2017

    Paying extra on your mortgage can shave years off your home loan and save tens of thousands of dollars in interest charges. Here’s how to get all of the benefits of paying off your mortgage more quickly without wasting hundreds of dollars a year on an accelerated payment plan.

    In our roundup of June’s best 15-year mortgage rates, you’ll find several banks offering cut-rate deals on home loans in areas throughout the country.

    My husband and I weren’t planning to refinance our mortgage. But the savings I found were just too good to pass up.

    National Mortgage Alliance has one of spring’s best nationally available deals on a 15-year fixed-rate home loan. It’s charging well below the current average cost for these loans and this deal is available to borrowers nationwide.

    J.D. Power & Associates annual study is a great way to judge how friendly and efficient the borrowing process is at the nation’s largest mortgage lenders. Quicken Loans does well. Bank of America? Cover your eyes.

    By budgeting and doing some work on our own, we remodeled our bathroom for about $13,000 less than the average project costs. Here’s how.

    More people are renting and paying more for it, so if you own a rental property, this could be a good sign that you made the smart choice.

    It’s been a long path through a politically fraught minefield to get anyone in the director’s chair since the bureau was created by the Dodd-Frank Wall Street Reform and Consumer Protection Act.



    Top 10 Best Online Bachelor s in Psychology Degree Programs #bachelors #of #psychology #online, #top #10 #best #online #bachelor\’s #in #psychology #degree #programs


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    Top 10 Best Online Bachelor s in Psychology Degree Programs

    Choosing one of the Top 10 Online Bachelor s in Psychology Programs listed here is an excellent way to ensure that a student interested in distance learning will receive a good quality education.

    Featured Bachelor s Programs

    Ranking the Best Online Psychology Degree Programs

    All of these programs are offered by accredited institutions, and courses are taught by experienced instructors.

    #1 Post University

    Post University is an accredited school located in New England. Known for its challenging curriculum and small class sizes, the school has been in operation since 1890.

    Get info about this program from Post University.

    Undergraduate students pay $525.00 per credit hour.

    Students may transfer up to 90 credits from another accredited school. Online tutoring services are available at no extra charge.

    Human Development, Education, and Health
    Organizational Studies

    #2 Colorado Christian University

    Colorado Christian University was founded in 1914, and this school is accredited by the Higher Learning Commission of the North Central Association of Colleges and Schools.

    Students attending CCU online pay $542.00 per credit hour.

    This school allows students to apply up to 31 credits from prior life experiences toward a degree. Online classes are conducted in seven-week blocks, and all work can be completed and submitted online.

    #3 Franklin University

    Franklin University is a private, non-profit school. Prospective students can enroll in a program at various times throughout the year.

    The standard tuition per credit hour is $375.00.

    This school attempts to maximize the number of prior credits which may be transferred toward a degree program. Courses are self-paced, which allows students to learn on their own schedule.

    #4 Capella University

    Capella is an accredited online university. The school s iPhone app and mobile site allows students to stay connected to their course material while on the go. Learners can see a course dashboard and school news items, as well as receive financial aid alerts on most mobile devices.

    Get info about this program from Capella University.

    Tuition costs range from $290.00-$350.00 per credit, depending on the course level.

    Capella students have the option of earning credits toward a Master s degree in Psychology while enrolled in the undergraduate program after they have completed 100 quarter credits. A minimum GPA (Grade Point Average) of 3.0 is required if a student wishes to remain in the combined BS/MS program.

    #5 Kaplan University

    Kaplan University was founded in 1937 and offers on-campus and online learning programs. New students enrolled in online programs can try out the school at no cost for five weeks. Tuition is payable only if the student chooses to continue in the program.

    Get info about this program from Kaplan University.

    The BS in Psychology costs $371.00 per credit hour.

    This school offers an accelerated Bachelor of Science in Psychology-to-Master of Science in Psychology option. The advanced degree can be completed more quickly than if a student enrolled in each one separately. This unique feature helped Kaplan make our list of Top 10 Online Bachelor s In Psychology Programs .

    Applied Behavioral Analysis
    Child Development
    Substance Abuse

    #6 Liberty University

    Liberty University is the largest Christian university in the world. This private, non-profit school is regionally accredited by the Commission on Colleges of the Southern Association of Colleges and Schools.

    Full-time students pay $304.00 per credit hour.

    Students enrolled in the BS in Psychology program at Liberty online complete a three-credit-hour internship as part of the requirements for their degree.

    Christian Counseling
    Crisis Counseling
    Life Coaching
    Substance Abuse

    #7 Walden University

    Walden University was founded in 1970. Since that time, the school has developed a reputation for offering quality programs and offering a high level of student support, including tutoring and career services.

    Get info about this program from Walden University.

    Students at Walden pay $280.00 per credit hour.

    Walden s MobileLearn platform allows students to download audio files or podcasts to a smartphone or MP3 player. Course materials can also be downloaded to a desktop or laptop computer.

    Addictions
    Applied Psychology
    Child and Adolescent Development
    Criminal Justice
    General Psychology
    Human Services
    Infant and Toddler Development
    Preparation for Graduate Studies
    Preschool Child Development
    Workplace Psychology

    #8 Robert Morris University

    Robert Morris University located in Moon Township, PA. Founded in 1921, this school has a very impressive 95 percent placement rate which is a major reason they made our list of the Top 10 Online Bachelor s in Psychology Programs .

    Tuition at RMU is $665.00 per credit hour.

    Online programs are taught by the same faculty members who teach on-campus courses. Each one was developed by a curriculum designer who worked with each instructor to develop a challenging education experience.

    #9 Columbia College

    Columbia College was founded in 1851. Most online courses are taught by the same instructors who teach on campus.

    Students enrolled at Columbia College online pay $229.00 per credit hour.

    Class sessions start in January, March, June, August and October. Courses are eight weeks in length. Students can start and stop their degree program whenever they wish, and they can take a break from their studies entirely if they want or need to, and pick up again where they left off when they are ready.

    #10 Upper Iowa University

    Originally known as Fayette Seminary of the Upper Iowa Conference, this school welcomed its first class of learners in 1858. The University is accredited by the Higher Learning Commission.

    Tuition for online undergraduate programs at UIU is $365.00 per credit hour.

    Up to 90 hours of undergraduate credit can be transferred toward a degree at Upper Iowa University. A demo course is available to help prospective students determine whether they would be good candidates for online learning.

    Filed under: Top 10 Online Bachelor s in Psychology Programs, Best Bachelor s in Psychology Programs



    Top Special Education Schools in North East: Programs, Colleges, Degrees, Courses, Classes, Certification, Training, top special education colleges.#Top #special #education #colleges


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    Education Database Online

    George Washington University

    University of Delaware

    Howard University

    Catholic University of America

    Rowan University

    The Richard Stockton College of New Jersey

    Mount St Mary’s University

    York College Pennsylvania

    Arcadia University

    Cedar Crest College

    Chestnut Hill College

    Delaware State University

    University of Maryland-College Park

    George Mason University

    Lebanon Valley College

    Holy Family University

    Lancaster Bible College

    Albright College

    Gallaudet University

    Cabrini College

    Wilmington University

    Cheyney University of Pennsylvania

    Gloucester County College

    The Community College of Baltimore County

    Prince George’s Community College

    Click Update Map to show all schools within the current map bounds (even after you move the map). Feel free to Change Subject to only show schools that offer a specific program. Learn more in our Feature Guide

    Top special education colleges


    Top 10 Online Master s in Psychology Degree Programs 2016 #masters #degree #in #psychology, #top #10 #online #master\’s #in #psychology #degree #programs #2016


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    Top 10 Online Master’s in Psychology Degree Programs 2016

    Completing the requirements for an online master s in psychology will help one to qualify for a number of challenging careers. All the schools on our list of Top 10 degree programs offer a high quality curriculum and the flexibility to study from the location that works best for you.

    We selected programs from these accredited schools based on variety and depth of available concentrations and flexibility of learning options for the online student pursing an online master s in psychology. These online master s of psychology programs are among the best of their kind in the world of psychology degree programs .

    Ranking of Online Master s in Psychology Degree Programs 2016

    #1 Chicago School of Professional Psychology

    Image Source

    The Chicago School of Professional Psychology is a highly respected, not-for-profit graduate school. It is accredited by the Western Association of Colleges and Schools.

    Master s degree students paying $982.00 per credit hour.

    Applicants must hold a Bachelor s degree and have at least five years of work experience after completing their undergraduate studies to be considered. Terms are seven weeks in length with a one-week break before starting the next learning session.

    Generalist
    Child and Adolescent
    International Psychology
    Sport and Exercise
    Organizational Leadership
    BCBA Foundation
    Non-Licensure
    Industrial and Organizational Psychology
    Gerontology

    #2 University of Liverpool

    Image Source

    The University of Liverpool was founded in 1881. It has a well-deserved reputation for academic excellence, and is a popular choice for professionals worldwide who wish to earn an online master s degree in psychology.

    International post-graduate students pay an annual rate of £15,251 ($22,935.00) to take classes at the University.

    Applicants must hold a bachelor s degree that is the equivalent of a British Honours degree and have at least tow years of relevant professional experience to be considered. Dedicated academic advisors are available on a 24/7 basis to offer study support.

    Applied Psychology
    Forensic Psychology Criminal Investigation

    #3 North Central University

    Image Source

    North Central University is an accredited online university. It is accredited by The Higher Learning Commission and is a member of the North Central Association of Colleges and Schools.

    The basic rate for tuition is $709.00 per credit hour.

    This school offers a one-one-one teaching model. Each student is paired with a faculty member in each course for a highly personalized experience.

    Gender Diversity Studies
    General Psychology
    Health Psychology
    Industrial Organizational Psychology

    #4 Golden Gate University

    Image Source

    Golden Gate University has been offering degree programs for over a century. This private, not-for-profit institution is accredited by the Western Association of Schools and Colleges.

    Students at GCU pay $840.00 per credit hour.

    Each course in the online MS in psychology degree program curriculum includes at least one supervised exam. Students can arrange to have it supervised at any GCU campus, a local library, by their employer, or any other responsible person.

    Marriage and Family Therapy and Industrial/Organizational Psychology (Combined)
    Counseling
    Industrial/Organizational Psychology
    Marriage and Family Therapy

    #5 Southern New Hampshire University

    Image Source

    Southern New Hampshire University is a not-for-profit, accredited university. It has been offering degree programs for over 80 years. The school was included on Fast Company s list of the World s 50 Most Innovative Companies in 2012.

    SNHU charges $320.00 per credit hour for tuition.

    The University offers four start dates per year. Courses are 11 weeks in length. There is no on-campus requirement.

    Child Development Psychology
    Industrial Organizational Psychology

    #6 Capella University

    Image Source

    Capella University is a private school that operates under an open enrollment policy. It is a member the North Central Association of Colleges and Schools and is accredited by The Higher Learning Commission.

    This school s tuition is $430.00 per credit hour, which makes it one of the most affordable online masters in psychology degree programs available.

    Capella offers streamlined online master s in psychology programs that can be completed in as little as 15-18 months.

    Child and Adolescent Development
    Educational Psychology
    Evaluation, Research, and Measurement
    General Psychology
    Industrial/Organizational Psychology
    Leadership Coaching Psychology
    Sport Psychology

    #7 Sacred Heart University

    Image Source

    Sacred Heart University is a private, not-for-profit educational institution. It was founded in 1963 and is the second-largest Catholic university in New England.

    Tuition is $725.00 per credit hour.

    Applicants without an undergraduate degree in psychology will be considered for the master s program. Students who do not hold a degree in this field enroll in an online preparatory course.

    Industrial-Organizational Psychology
    Community Psychology
    General Psychology

    #8 Walden University

    Image Source

    Walden University is a private school that was founded in 1970. It is accredited by The Higher Learning Commission and is a member of the North Central Association.

    Students at Walden pay $445.00 per credit hour.

    The University offers a choice of either a thesis or capstone option for its MS in psychology program. Students who choose the thesis option either complete a research study or a critical literature review. For the capstone option, students are required to complete a major paper on a topic related to their specialization.

    Applied Psychology
    Crisis Management and Response
    Educational Psychology
    General Program
    Health Psychology
    Leadership Development and Coaching
    Media Psychology
    Organizational Psychology
    Organizational Psychology and Nonprofit Management
    Psychology of Culture
    Psychology, Public Administration, and Social Change
    Social Psychology
    Terrorism and Security

    #9 Grand Canyon University

    Image Source

    Grand Canyon University was founded in 1949. This private school offers degree programs from a Christian perspective.

    Graduate students pay $495.00 per credit hour.

    The Master s of Science in psychology program at GCU is a non-thesis one. Applicants must hold a bachelor s degree.

    General Psychology
    Industrial and Organizational Psychology

    Additional Online Psychology Degree Program Rankings



    Home – Top 5 Payday Loan Sites #embrace #home #loans


    #best payday loans
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    Payday Loan FAQ

    Right and Wrong Times for a Payday Loan

    I Can’t Pay Back My Payday Loan on Time

    Loans For People With Bad Credit

    Payday Consumer Notice:

    The APR of a payday loan varies in each state and depends on the lender, the advance amount, fees and terms of the transaction. The APR in our network of lenders can range from 265.36% to more than 700% on 14 day terms.

    Implications of non-payment

    Implications of non-payment vary from lender to lender and by state regulations. If you are unable to repay your loan you may have one or all of the consequences listed below depending upon the terms of your lender. Fees may include but are not limited to: insufficient fund fees, administrative fees, late fees, non-payment fees, court costs and legal fees.

    Collection Practices, Credit Score Impact

    Payday Loans are due and payable in full in one payment at the end of the loan term, unless the Lender offers renewals or other repayment options. Make sure to review the terms and conditions of your lender if you fail to pay on time.

    • Late payments of loans may result in additional fees or collection activities, or both. Each Lender has their own terms and conditions, please review their policies for further information.
    • Non-payment of credit could result in collection activities and your account could be turned over to a collection agency. Each Lender has their own terms and conditions, please review their policies for further information.
    • Failure to pay your loan on time could result in your lender reporting the delinquency to a credit reporting agency. This could result in the lowering of your credit score which could make borrowing more expensive in the future.
    Renewal Policy

    Renewal policies vary not only by lender but also by state regulations. Every Lender has their own renewal policy, which may differ from Lender to Lender. Renewal fees vary by lender. Please review your state regulations and you lender’s renewal policy, terms and conditions.

    Copyright 2015 Present. Top 5 Payday Loan Sites. All Rights Reserved.

    Advertising Disclosure: Top 5 Payday Loan Sites is a free, independent, advertising-supported comparison service working to empower consumers. Top 5 Payday Loan Sites may be compensated in exchange by sponsors and partners when a consumer clicks on links posted on this website.



    Forensic Psychology Schools and Degree Programs #forensic #psychology #degree, #forensic #psychology #graduate #programs, #forensic #psychology #schools, #forensic #psychology #programs, #top #forensic #science #colleges


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    Forensic Psychologist
    (found programs from 313 schools)

    Welcome to the most complete directory on the Web of Forensic Psychologist programs. It contains all the nationally accredited programs, from 313 schools across the country.

    Are you interested in learning what makes the human mind tick and using your knowledge to help investigators solve crimes? Forensic psychology could be the ideal career path for you. Forensic psychology is a hybrid field that combines the intensive knowledge of a criminal psychology degree with a complete understanding of laws and the legal process.

    If you want to become a forensic psychologist, use our directory of criminal psychology schools to request more information today!

    As with a criminal psychology degree, this job tends to come with a lot of responsibility, so you should be ready to defend your expertise and enhance your understanding at all times. Forensic psychologists are not like traditional psychologists, who aim to serve patients and help them enjoy fuller, more productive lives. Rather, forensic psychologists are dedicated to finding out the truth, whether or not the patient they’re speaking with provides it. As a result, forensic psychology professionals often use different techniques and strategies to glean information from interviewees.

    Forensic psychologists are often used in courts of law. Your skills may be called upon to determine whether or not a patient is competent to stand trial and what their mental state was at the time of allegedly committing a crime. Using subtle psychological markers, you may be expected to figure out if a witness or suspect is telling the truth. The information provided by forensic psychologists is often used in jury deliberations, lawyer arguments, and sentencing decisions.

    As you may have expected, forensic psychologists are required to meet a thorough set of educational requirements before beginning their careers.

    Requirements for Becoming a Forensic Psychologist

    If you’ve ever considered a career as a psychologist, you know that this career path is fairly demanding in its educational expectations. This is especially true for forensic psychologists, since they must have a deep knowledge of forensic science in addition to psychology.

    For your criminal psychology major, you should consider first earning a Bachelor’s degree in criminal psychology. There are a few selected Bachelor’s degree programs in forensic psychology, but they are few and far between. Some Bachelor’s-level programs do allow you to choose a specialty, so you may be able to take courses in forensic psychology while earning your undergraduate degree. At this level, you may spend four years taking classes like Organizational Psychology, Developmental Psychology, Cognitive Psychology, and the Psychology of Personality. Your time as a student isn’t done yet! You’ll need to find graduate programs in forensic psychology that lead to a Master’s of Science in Forensic Psychology. These forensic psychology Masters degree courses offer the training you need to effectively work with witnesses, victims, and criminals, while helping you learn the ins and outs of the American legal system. Core classes include Behavioral Interventions in Forensic Settings, Settings and Tools of Psychological and Violence Risk Assessment, and Ethical Concerns in Forensic Psychology. You may choose a specialization track that permits you to develop your knowledge base in one specific area. Popular specialization tracks include forensic psychology in the legal system and forensic psychology for mental health workers.

    A PhD or PsyD will be required before you can get your state psychology license and begin working as a forensic psychologist. While a PhD allows you to pursue more academic endeavors, like teaching at a university, a PsyD is more focused on patient care. To earn a PhD, you may need to spend several years writing a thesis on a specific subject of forensic psychology. A PsyD will require lots of clinical work and supervised work.

    Career Outlook and Salary Potential for Forensic/Criminal Psychologists

    Across the United States, forensic psychologists can anticipate a fairly stable job outlook. O*Net expects job openings for clinical psychologists to increase by 8% to 14% between 2012 and 2022.

    Salaries in this field vary widely. Generally, experience trumps all, as well as the criminal psychology major you’ve earned. As you prove yourself in a courtroom and demonstrate your expertise, you may be able to command higher salaries than earlier in your career. Per O*Net, the average salary for a clinical psychologist is $67,760 per year. In a low cost of living state like Florida, salaries may be lower. In Florida, the average salary is $66,200 per year (O*Net, 2013). Other states may have considerably higher salary ranges. The average salary for a New York clinical psychologist is $80,200 per year, nearly $13,000 higher than the national average (O*Net. 2013). Those who work in California claim a median income of $81,400 per year (O*Net, 2013).

    Working as a Forensic Psychologist

    It’s obvious that it takes a lot of work to become a criminal psychologist, but what is it like to work as a forensic psychologist? Your job duties may change from day to day, depending on which cases you’ve been assigned to and how full your caseload is. Part of your job duties rotates around questioning suspects. You may have to find out if they are mentally fit to stand trial and if they have enough mental competence to understand what is being asked of them. This also involves watching for signs of mental illness or for faked signs of mental illness. For those that have already been convicted or who are being tried for a crime, you may determine their risk for committing future crimes or their mental state at the time of committing a crime.

    Forensic psychology is a highly specialized field; as a result, most psychologists do not work full-time on cases. In many cases, forensic psychologists are faculty members at a local university or college and work on cases when they are needed. The Milwaukee Journal-Sentinel reports on a case that involved the repeated stabbing of a 12-year-old girl by two of her friends. A forensic psychologist was called in to determine the girls’ mental state; the psychologist later found that one of the girls was incompetent to stand trial. Your expertise can make a difference on the lives of those who go through the criminal justice system. Contact the schools with forensic psychology Masters degree programs in our directory to learn more about criminal justice programs that can lead to a career as a forensic psychologist!

    Featured Schools Accepting Students from Across the US:

    Online programs may not be available in all areas