Monday, January 23, 2012

Canvas Print, Loan of the City of Philadelphia - 20x30

!: Buying Canvas Print, Loan of the City of Philadelphia - 20x30 sale off


Rate : | Price : $90.00 | Post Date : Jan 23, 2012 21:21:24
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This high quality, durable Canvas Print measures 20x30 inches and arrives ready to hang with all necessary hardware already fastened. The Canvas Print is stretched over a sturdy wood frame for maximum stability and tautness, creating a striking three-dimensional piece of artwork. All prints from ClassicPix are made on demand one-at-a-time, just for you -- not mass-produced. Our personal hands-on processing assures the highest quality. To see all of our prints and posters, click on ClassicPix above. About this image: Stock certificates are like currency, sharing value and beauty on the face. This cancelled certificate captures a moment in history as technology advances and big business moves forward.

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Wednesday, January 18, 2012

Remortgages And Secured Loans - Finding The Financial Solution That's Right For You

!: Remortgages And Secured Loans - Finding The Financial Solution That's Right For You

For a long time many people viewed a remortgage as a fairly cheap way of raising money, due to the interest rates obtainable on a mortgage being far less than those on unsecured finance. However, due to the Financial Services authority and the increased regulation that has come about in recent years, many financial experts have advised against authentic Jordans as a way of raising capital, arguing that there are many occasions when a secured loan (or "second charge" as they are sometimes known) would be a wiser option than a remortgage financial.

The most obvious example of this is when a mortgage borrower has a large redemption penalty on their existing mortgage. These penalties occur when a borrower or lender switch wishes to pay off part of their mortgage during a cheap rateperiod, with terms and conditions differing between lenders. Some fixed rate mortgages carry penalties of up to 7% of the outstanding mortgage balance if redeemed during the fixed rate period.

One of the most important factors to consider when weighing up the pros and cons of remortgages and secured loans is the overall cost of the loan. When comparing different products, the APR is a handy tool to use as it will also take associated fees and charges into account. The remortgage process involves many different fees, including valuation and administration fees, lender fees, brokers fees and in some cases, legal fees. Secured loans, on the other hand, carry very few additional fees, oftentimes only subject to the lender's arrangement fee and possibly a broker's fee.

In order to assess the most advantageous financial solution, the borrower must compare secured loans with the total cost of the remortgage process. This is especially important for borrowers with a poor credit history. If the mortgage was taken out before running into credit problems, the chances are high that any attempt to raise extra cash through a remortgage would mean paying a significantly higher interest rate on the entire amount of the money borrowed i.e. the whole mortgage. A secured loan, on the other hand, allows the borrower to benefit from a prime interest rate on their mortgage while only being charged a non conforming rate on their new loan.

A number of other factors need to be considered when deciding to remortgage or apply for a secured loan, including the speed with which the additional funds can be transferred to the borrower; as a rule of thumb, secured loans are usually far quicker to obtain than a remortgage.

Extensive comparison between a remortgage and a secured loan is a sure fire way of making sure borrowers find the ideal financial solution for them.


Remortgages And Secured Loans - Finding The Financial Solution That's Right For You

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Wednesday, January 11, 2012

The Complete California S.A.F.E. Act Study Guide

The Complete California S.A.F.E. Act Study Guide Review


The Complete California S.A.F.E. Act Study Guide Overview

Congress sent the mortgage lending industry into a tailspin when it passed The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act), and paved the way for the creation of the Nationwide Mortgage Licensing System (NMLS). No national system existed previously for licensing mortgage originators – an oversight that’s since become a scapegoat for America’s financial and housing crises.

The SAFE Act requires the licensing and registration of all Mortgage Loan Originators (MLOs), who must pass a written qualified test, complete pre-licensure education courses and take annual continuing education courses. MLOs must also submit fingerprints for FBI criminal background checks and authorize the NMLS to obtain independent credit reports.

This level of testing, education and background checking is new to mortgage brokers, many of whom are intimidated by the requirements. As daunting as it may appear, however, the oversight will undoubtedly raise the bar for an industry whose reputation has been marred by scam artists and other unsavory individuals for decades.

To help honest, professional mortgage brokers navigate the new state NMLS requirements and continue to enjoy fruitful careers in an industry he’s worked in for nearly 25 years, David Reinholtz, president of LoanOfficerSchool.com, is publishing series of 50 state-specific study guides for MLOs.

Reinholtz’s state study guides address a pressing need in the industry from mortgage loan originators who must be licensed in every state where they conduct business. Whether they need one guide to work in their home state, or 10 guides to originate loans in as many states, Reinholtz’s books will meet and exceed expectations.

“There’s nothing else like these books available on the market today,” said Reinholtz, an industry advocate who enjoys seeing mortgage loan originators thrive and prosper by running honest, ethical businesses. “These books fill a gap where MLOs need the most help by teaching them how to navigate and pass the new state NMLS requirements.”

The information-packed study guides walk mortgage brokers explain in plain English exactly how to comply with the new law, study for the test and buck the average failure rate of 35 percent for first-time test takers. Readers get firsthand information about the NMLS itself and the role it will play in the mortgage lending industry; learn about the testing, fingerprinting and credit check process; and find out how to set themselves up for success in the future through continuing education.

Instead of wallowing in the new regulations, waiting for a helping hand, why not take a proactive stance by ordering one or more copies of Reinholtz’s new books today? You’ll be glad to have him as your shepherd through the initial licensing process, and well into the future.

The Complete California S.A.F.E. Act Study Guide Specifications

Congress sent the mortgage lending industry into a tailspin when it passed The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act), and paved the way for the creation of the Nationwide Mortgage Licensing System (NMLS). No national system existed previously for licensing mortgage originators – an oversight that’s since become a scapegoat for America’s financial and housing crises.

The SAFE Act requires the licensing and registration of all Mortgage Loan Originators (MLOs), who must pass a written qualified test, complete pre-licensure education courses and take annual continuing education courses. MLOs must also submit fingerprints for FBI criminal background checks and authorize the NMLS to obtain independent credit reports.

This level of testing, education and background checking is new to mortgage brokers, many of whom are intimidated by the requirements. As daunting as it may appear, however, the oversight will undoubtedly raise the bar for an industry whose reputation has been marred by scam artists and other unsavory individuals for decades.

To help honest, professional mortgage brokers navigate the new state NMLS requirements and continue to enjoy fruitful careers in an industry he’s worked in for nearly 25 years, David Reinholtz, president of LoanOfficerSchool.com, is publishing series of 50 state-specific study guides for MLOs.

Reinholtz’s state study guides address a pressing need in the industry from mortgage loan originators who must be licensed in every state where they conduct business. Whether they need one guide to work in their home state, or 10 guides to originate loans in as many states, Reinholtz’s books will meet and exceed expectations.

“There’s nothing else like these books available on the market today,” said Reinholtz, an industry advocate who enjoys seeing mortgage loan originators thrive and prosper by running honest, ethical businesses. “These books fill a gap where MLOs need the most help by teaching them how to navigate and pass the new state NMLS requirements.”

The information-packed study guides walk mortgage brokers explain in plain English exactly how to comply with the new law, study for the test and buck the average failure rate of 35 percent for first-time test takers. Readers get firsthand information about the NMLS itself and the role it will play in the mortgage lending industry; learn about the testing, fingerprinting and credit check process; and find out how to set themselves up for success in the future through continuing education.

Instead of wallowing in the new regulations, waiting for a helping hand, why not take a proactive stance by ordering one or more copies of Reinholtz’s new books today? You’ll be glad to have him as your shepherd through the initial licensing process, and well into the future.

Available at Amazon Check Price Now!


*** Product Information and Prices Stored: Jan 11, 2012 05:45:11

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Tuesday, January 10, 2012

What To Do In Cancun! And How Much Does It Cost

!: What To Do In Cancun! And How Much Does It Cost

Cancun has a large variety of activities available. The hotels are so nice that many visitors are happy to spend their vacation at the hotel. If you want some other things to do here are some activities and approximate US prices as of December 2006. Prices are per adult unless otherwise stated.

Jungle Tour by Aqua World .50 Ride a wave runner and then snorkel. I liked this one.

Atlantis Submarine Child, adult - I liked this one.

Chichen Itza - Transportation Only Adult, Child All day tour to the ruins. A deluxe trip may include a deluxe double decker bus, breakfast and lunch, drinks, and admission. This costs more than twice as much as the transportation only trip, but you get a lot more.

Telum Trips - Varies with options - Adult price is usually in the to range.

Xcaret - Child, adult

A park with lots of attractions. Trips vary in time and transport options.

Xel-Ha - Adult, child

All day, includes transport, entrance fee, snorkeling, and exploring.

Isla of Mujores - About boat to the island. Snorkel and lunch tours for about . Shopping, ride a golf cart around the island, etc.. I like this one.

Captain Hook Buffet Dinner Cruise -

Caribbean Carnival Lobster Dinner Cruise -

Indiana Joe's ATV Jungle Tour -

Jeep Safari - Child , Adult

2 Tank Scuba Dive - Around

Wet 'N Wild Water Park Entrance Fee - adult, child

Bullfights -

Prices and details change so verify everything. Be aware that very low prices are sometimes offered for activities. This usually requires something like a time-share presentation. Avoid this unless you want to spend hours getting a high pressure sales pitch!


What To Do In Cancun! And How Much Does It Cost

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Tuesday, January 3, 2012

Bad Credit Home Loans: Reviewing Your Options

!: Bad Credit Home Loans: Reviewing Your Options

Many people with bad credit today feel that their options on the lending market are somewhat limited. While it is true that there are different deals available to those with bad credit and while it is true that loans are harder to come by, there is no reason to believe that it is impossible. In fact, there are many lenders, especially online, who specialize in helping those with bad credit get loans every day, which includes bad credit home loans.

Myth vs. Reality

One problem that a lot of home buyers encounter revolves around a misunderstanding of the lending process and the restrictions of credit. While a higher credit score is certainly better when looking for a home, having a poor credit score is not the end of the world. Many first time home buyers, for example, can benefit from FHA loans as well as Fannie Mae and Freddie Mack Home Path properties which are committed to helping out those serious about home ownership. Ask any lender you work with about these programs and your eligibility.

Buying a Home

The first key to getting the home you want is knowing how much you can afford each month. You can determine this through the pre-approval process, but also through the use of free online mortgage calculators. Also, be prepared to talk about your financial situation in detail with a lender. There are many private lenders who will work with you to get the best home loan possible, but they will need full disclosure in order to do so.

Where to Look for a Bad Credit Home Loan

Those in the market for a bad credit home loan should start by looking at the internet for private lenders and lending agencies who specialize in bad credit loans. These lenders understand the special circumstances presented by your poor credit and can work with you to find a plan for a home loan that is suitable for your current income and needs.

Be on the Lookout

One word of caution when looking for bad credit lenders online: not all are created equal. It is important to subject each lender you consider to the same scrutiny you would subject the home you wish to buy. That is, make sure you do a background check and ask others (either friends or people in lending forums) for recommendations. There are many scam artists out there, and you cannot afford to hurt your credit even more with a bad deal.

One Final Option

If after you have discussed your lending needs and home buying preferences with lenders you find that you still cannot get the loan you need, all is not lost. Generally, the lenders who operate these websites for bad credit home loans also specialize in bad credit lending for other purposes such as purchasing a car or debt consolidation. Chances are they will have programs to help you out regardless of the decision you ultimately make regarding the purchase of a home.

A concentrated effort that focuses on rebuilding your credit score may be in order. Through the responsible long-term repayment of current loans and possibly through debt consolidation, you can spend some time improving your credit score over time to get the home you have always dreamed of in the future.


Bad Credit Home Loans: Reviewing Your Options

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