Category Archives: Money and Bank

Selecting Hard Money Lender – Five Things You MUST Know

Finding active hard money lenders may require some research, because they’re not nearly as obvious or numerous as conventional lenders. Many only lend money in their immediate geographic areas in order to be able personally visit properties before making loans. Check with mortgage brokers, because they often represent some hard money lenders. You can also find hard money loans through newspaper ads and on the Internet; but always verify lender credentials beforehand, as you should before working with any kind of professional mortgage lender. You’ve decided to get into rehabbing properties. A hard money loans seem to be your best option to fund these ventures. Here are a few ideas and questions to ask designed to help aid your search for a reputable hard money lender, broker, or referring source:

1. Hard Lender Experiences: Ask how long they’ve been in business. How many successful deals have they made? How many collective years of experience do all key people at the company have? Look for a hard money lender that has “direct hard loans lender” in their advertising. It’s a good sign.

2. Industry Connections: How many hard money lenders and investors does this company work with? Go with one who has several funding sources (Hedge funds, Mortgage pools, Private Equity Groups, etc.). The more connections they have to direct hard money lenders with ready cash, the faster – and better they’ll get the job done.

3. The Commercial Real Estate Market: How is the market in your area? The better the market’s doing, the lower your hard loan interest rates may be. If the market is slow you may end up paying much higher interest rate. Make sure you know the market in your area.

4. Brokers: The Company or referring source that helps you with your search for your hard money loan will have a lot of influence. Make sure they are competent. How? Ask someone who has dealt with hard loans before. Ask your lawyer. Do as much research as you think you’ll need. Hard money brokers will help you shop many investors and lenders to find a loan that works for you.

5. Direct Money Lender: Some hard wholesalers or direct lenders can fund your loan directly. Direct money lenders are a more direct way to get your loan underwritten and eliminate the use of a broker or referring source but, may have to start the application process all over again if you started with a broker. Either way, make sure you are working with a reputable company who has a proven record of success with hard lending.

Bank of America Loan Modification — A Simple Five Steps to Approval!

Have you been worried or even just concerned about meeting a high monthly mortgage payment? Perhaps you have been pondering negotiating for a better deal, such as a Bank of America loan modification period. This nationwide lending bank is now offering loan workarounds to some of its borrowers. You can improve your chances of getting the loan modification deal. If you meet certain approval requirements, you can lower your mortgage payment. Before you apply, you need to know about these Five Steps to Approval.

1.Study the Bank of America loan modification approval guidelines. To qualify for a loan workaround program, you must meet specific disposable income and debt to income ratios.

2.Collect all necessary documentation for the bank. A bank officer will review your documents to decide whether you qualify for a Bank of America loan modification. Be sure that you have everything before you apply, in order to avoid any possibility of delay or even denial of your application.

3.A Hardship Letter is an essential part of your document package. You must present convincing, compelling evidence that you have experienced or will suffer from a financial hardship due to your current mortgage payment. There are three essential elements in a Hardship Letter — be sure that you know what they are.

4.Take time to prepare, accurately and properly, the Bank of America loan modification application forms. Everything you state is subject to verification, and so you must include all important information, truthfully, to ensure that your loan workaround is given the maximum possible consideration for approval.

5.Be persistent. Eight weeks is not uncommon for processing time of your Bank of America loan modification application. So be patient as well! Even if you are declined the first time, do not give up. Many homeowners were able to get an initial rejection of their application overturned by being diligent, tenacious, focused, and persistent in their pursuit of an affordable mortgage. Your home is at stake, and a successful application allows you to keep your home.

By studying the guidelines; being diligent, complete and truthful in your application; and persisting in your qualification process, a Bank of America loan modification may well be yours. Take the time and invest the energy in doing the application properly, by understanding the bank’s approval guidelines. Ask any necessary questions for proper completion of the paperwork. Get the help you need and keep your home, as homeowners across the country continue to do. You too can do it!

Recruitment CDS, Bank, SSC

Bank recruitment, CDS (Combined defence service) and SSC (staff selection commission) are various mediums to gain entry into different posts in the government. They conduct exams and interviews in order to ensure unbiased entry into the respective fields. In 2011, many students have enrolled themselves for various posts in different sectors. Bank recruitment deals with the recruitment of suitable candidates for various posts in the bank. CDS (combined defence service), recruits courageous individuals to be a part of the National defence academy. SSC is a commission established by the government in order to recruit individuals for the non-technical and technical posts in various government departments.

Combined Defence Service: It recruits courageous candidates who are ready to fight for their country. CDS exams are conducted by UPSC (union public service commission). In 2011, CDS exams have been conducted in May. Another set of exams will be conducted in October. The CDS exams are conducted for air, army and navy force. The Service Selection Board calls the selected candidates for the interview session where they are further filtered down. Depending on the merit- ranks, the candidates are sent to various institutes across the country. There are various institutes where the candidates are trained, like Naval Academy, Indian Military Academy, Air force Academy etc.

Bank exams: Bank recruitment is done, based on the bank exams conducted by the respective banks. A major portion of the question paper in the exam is dedicated to current affairs. The selected candidates are called for an interview session. Good mathematical skills and computer literacy are major pre-requisites for any post in the bank. For jobs like bank po and bank clerk, a maximum age of 30 years is required.

Staff Selection Commission: It is a commission set up by the government to recruit candidates for technical and non-technical posts in the government. There are many offices of SSC across India, which supervise the work of SSC and conduct regional and sub regional exams. Forms of 2011, for various technical posts have already been released. The headquarters of SSC are in Delhi, where all the administrative work takes place.

In 2011, many forms for different posts in the government have been published. CDS exams have already taken place in May and Bank and SSC exam will be conducted in later part of the year. The recruitment in all these mediums is done based on the total result of the exam and the interview. So be in the list of it is important to be updated with current affair 2011 .

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The True Need And Purpose Of Bank Bin Numbers

The bank bin or the bank identification number happens to be a very essential component in each and every credit card. With its proper utilisation, you can find out the proper purpose for which the card has been dedicated, as well as the financial institutions that had offered such credit cards. The bank bin ranges of numbers would more often than not validate the transaction, and whenever a huge amount of money is involved, a tally with the credit card details, along with the bank bin database is needed. To effectively find out the bank bin ranges of numbers, you should enlist the services of superior software that can take care of all such security needs.

These numeric codes have actually been applied to nearly each and every credit card, debit card, ATM cards, or any sort of gift cards that have some financial transaction link to it. Under such circumstances, it would be very prudent a few to get a good enough bank bin base, so that a huge amount of data and credit card details can be with you, and you would not need to scour for any type of information in order to prevent any fraudulent transactions. You should always go for a bank bin numbers lookup, so that you can readily tally credit card details with the official bank identification number, and you can keep yourself in a very safe side, with ensuring that only legitimate transactions will take place in your website.

If you get a lot of chargebacks, then the reputation of your website would get hit in a very bad way. Payment gateways would make a lot of fuss about you getting so many chargebacks, and ultimately they would limit your account. Any sort of ads that you place in your website would also come under scrutiny. To ensure that you are not subject to such harassment, make sure that you get a very good bank bin finder. The best and most probably the only one which you should go for this the paid subscriptions. There are a lot of free options that you can try first, and after giving a demonstration, and after it can perform to the best of its abilities, only then should you use that facility. Bank bin number search should be a very important feature in each and every e-commerce website, and it would ensure that the credit card details which have been inserted in your purchase column for each and every product is legitimate.

If any website or any company does not perform a typical bank bin check, then he or she is risking a lot of chargebacks, and actually abating the crime in a very big way. You should know that without a substantial amount of evidence, you cannot win any sort of argument, and with the help of a solid package like bank bin database, you would get the required proof that you need a fraudulent transaction.

Why Use a Small Business Bank

One of the most important decisions a small business owner, or any business owner for that matter makes is what bank they are going to use. Small business banking provides a wealth of financial services beyond simple deposits, check writing, and withdrawal. Many small businesses need to establish a line of credit or perhaps even take out a loan. Another one of the many services that small businesses need to setup is credit card processing, payroll services, and automatic bill pay. A small company cannot function without the proper financial setup. In order to withstand the financial needs of a successful business, the company needs to set up an account with a bank that is familiar with small business needs.

In order for a bank to attract small businesses, they need to provide aggressive attractions and a wide variety of services. The bank must offer convenience. For example, many small businesses deal with cash and coin. Therefore, they will likely make many trips to the bank to deposit and withdraw money. A bank must also offer plenty of convenient ATM locations so that the small business can have access to their account at any time of the day or night when they need it.

Many banks charge fees ranging from credit card fees to ATM charges, wire transfer fees, and many other normal fees. As a small business owner, you should not find any surprises. Therefore, do not be afraid to ask the small business bank of your choice what fees they charge so that they are not caught by surprise. Make sure and choose a bank that is upfront about their charges, one that is capable of providing you with the lowest rates, the most feasible financial options, and the best in banking service so that you can run your business smoothly and efficiently.

Small business banks must also provide excellent customer service so that when a small business owner has a problem; bankers that can guide the business owner through their problems address the problem. There are many reasons why a small business owner would experience a banking problem such as transaction issues or a forgotten PIN. That is where the small banking specialists step in and take care of your worries so that they can get you and your account straightened out.

Multilevel Marketing pointers that will maximize your money for Scentsy Consultants

Work at home Scentsy Consultants hints and Pointers/p>

There can be a obstacles working from home, especially being a work at home mom. On the flip side it gives the option for you to work and make extra cash for your self while still providing the convenience of working from home. A well efficient mom can easily run her family as well as be a leader in her business. Living in Barcelona is no different than anywhere else. Work at home moms in Kentucky run their business and can still juggle all the needs of their children.

Making a schedule of when you are going to run your business and when you are going to be with your family is critical in being profitable at any business. As a work at home mom you wear many hats. Your life can be hectic and trying to juggle everything from school activities to being a wife you have a lot to do. Here is a way that will aid you in managing everything you have to complete.

Your life is like a classical music piece. There are many instruments that play at contrasting times to make up an amazing melody, just as it is with your life. There are tons of different parts of your life that contribute to the amazing melody this is your life. It could be being a mom, running a Scentsy business, or being a good wife. All these things have their place. In a instrumental song not all the instruments perform at the same time at the same power. Certain parts of themelody the flutes are louder, then the violins and so on. As it is in our life sometimes we have the mom hat on, sometimes we have the industry hat on. All the while the other jobs we have in our existence are quietly playing in the background. If you learn to focus on what you would like to focus on at that period your life will be a beautiful symphony.

The trick to running a successful work at home business while still being a mom is being able to know when to work your business and when to be a mother. Scheduling your time could be the best help in making all parts of your life successful. Having time to be a mother and be a business person is how you are going to make everything in your life click. Sit down each week and schedule out your day and week. Put in some time to be with your family and times to work your business. By doing this not only will you be winning you will also gain a more fulfilling relationship with your family and the time spent with them will be more rewarding.

Being a work at home mom may be the easiest way to earn additional money in Kentucky. You can and help others. You can work at your leisure. Learn more at

Top Philippine Banks For Ofw

A bank account is very important for OFW since it will be the account where the money will be sent from abroad. Opening a new bank account can be hard since you do not know which bank is the best for your criteria. There are really many banks in the Philippines so selecting one is not easy. In this article, you can learn which bank to use to send money to the Philippines.

1. Banco de Oro

Last year, Banco de Oro or commonly known as BDO held the highest portion of OFW remittances so it was named by Central Bank o f the Philippines as the No.1 bank of OFW remittance. BDO has services that it exclusively offer to OFW and their relatives like the Kabayan savings account with only P50 initial deposit with no maintaining balance as long it will be used for remittance. Just like other banks, BDO has Internet banking, phone, mobile and ATM banking across the country.

2. BPI

Recently, Finance Asia awarded Bank of the Philippine Islands as the best bank in the country for cash management in 2009. BPI is my choice bank for sending money to the Philippines. It has the best care fo its customer and very quick in responding to their client’s needs.

3. Metrobank

Metrobank is a famousr bank in the Philippines and listed as a public company in the Philippine Stock Exchange. Last year, it belongs to the top five remittance bank of OFW. It has a wide network of branches not only in the Philippines but also in other countries like US, European countries, Korea and Middle East countries. Many OFW likes Metrobank because of its good customer service and plenty of branches all over the country.

4. Chinabank

ChinaBank ranks fourth as the largest universal bank in the Philippines by market capitalization. It is a member of BancNet, a famous bank organization in the Phlippines. Chinabank has many services through its 388 ATM and 248 branches across the country. One good benefit of using Chinabank is you can transfer money to other bank members of BancNet with just small transfer charge.

5. Union Bank of the Philippines

In the Philippines, Union Bank ranks seventh in the largest banks in terms of assets. It is a public bank listed in Philippine Stock Exchange. Union Bank is a partnership among the companies and government institution in the country. With its wide range of services, many people and OFW find Union Bank a good choice for banking and remittance purposes. You can send money to the Philippines using Union Bank by PayPal, through remittance partners and by bank to bank wire transfer.

Choosing a bank for remittance purposes depends on your needs. Almost all banks offer same services but you need to determine those which are customer-oriented and responds to client’s problems quickly.

Are Silicone Wiper Blades Worth the Money

Are Silicone Wiper Blades worth the Money?

Like Rubber Wiper Blades and just about every other product or service, Silicone Wiper Blades come at different Price Levels, and buying the dearest doesnt necessarily mean getting the best.

In order to make an informed decision, we need to be able to spot quality features in Wiperblades, and understand what influence they have on Safety, Life and Performance.

Next we need a method of measuring the cost of Wiperblades against their useful life. We do that by dividing the cost of a single wiper blade by the number of 100,000 cycles in its expected life. A cycle being 1 wipe in each direction.

The cheapest and most basic Wiper Blades have a moulded rubber blade with an arrow-head profile offering a single wiping edge. Theyll also have a very cheaply constructed frame. Differences in Frame Quality are more difficult to spot, but usually, the blade quality is a good indicator of the overall quality of the Wiper Blade. Most un-branded Wiper Blades fall into this category.

Single edge Wiper Blades have a typical life of 200,000 cycles, and can cost as little as 3, so they cost at least 1.50 per 100,000 cycles

Most Motorists seek comfort in the big Global Brand Wiper Blades. They know theyre probably not getting the best value for money, but its a safe bet. Of course the big brands arent slow to take advantage of that, and so their prices arent always cost-effective.

Global Brands (and some smaller Brands) offer good quality Wiper Blades. They are easy to spot because the rubber blade has a profile like a small screwdriver instead of an arrow head. This means there are 2 Wiping Edges instead of one. As the Wiper Arm moves in one direction the blade flexes and trails, presenting one of the tips “corners” to the windscreen. On the Return Wipe, the blade flexes in the other direction, and uses the opposite edge to wipe the screen.

Quality Twin Edge Rubber Wiper Blades are good for around 500,000 (half a million) wipes. They reduce the risk of unwiped areas, and are much smoother and quieter than cheaper wiper blades. Typically they cost around 10 each, and so cost around 2 per 100,000 cycles.

Every pack of Rubber Wiperblades that Ive seen carries a warning that they should be replaced between 6-12 mnoths. Thats because U.V. Ozone and Pollution all combine to attack the Rubber Wiper Blades, even when theyre not being used. Thats really bad news for Low-Mileage Drivers and Classic Car Owners, because the Wipers often rot away before theyve done much work!

Silicone Wiper Blades wear much slower than Rubber ones. A good quality Silicone Wiper Blade has an expected life of 1,500,000 (one and a half million) cycles. Good Quality Silicone Wiper Blades cost slightly more than Premium branded rubber ones, about 12 each. Giving by far the lowest Cost over life of 0.85 per 100,000 Cycles – Obviously, thats great news for High-Mileage Drivers.

Gold vs. Money

Gold salesmen will always claim that paper money is worthless. However, we should always be reminded that they are selling something. What they tell their clients are standard sales pitch expected from anyone who is selling something.

One fact is that money is only valuable because it is a medium of exchange. The money in our pockets is exchangeable for precious metal. As long as a service or a good is exchanged for money, a dollar is worth something. Otherwise, it is just a piece of worthless bill in your wallet.

However, since it is a medium of exchange, the idea that money is worthless does not make sense at all. If it is useless, it is implied that every written agreement is useless as well. In fact, money that is involved in most commercial and government transactions does not involve currency. This is the reason why the government cannot just print more money and use it to finance projects and other developments for the country. If this is the case, then all the government needs is a printing press and people won’t have to pay taxes. When you get a loan from a bank, that money is basically created from nothing. For accounting purposes, the bank cuts a check and places the money into your account. There is no cash involved in this transaction. You can pay debts or give someone money without any cash involved. This goes to prove that most business transactions do not involve cash or currency.

The truth is that gold for the past years has been a poor investment as compared to the US dollar. Unlike the Indians and Chinese whose investment on gold has increased by approximately 200%. For the last two and a half years, there has been a massive shift of investment into the US Dollar from gold and other forms of currencies. This means that investors from all parts of the world have high faith in the US economic, political, and financial system. This has made gold a victim of the improvement of the US Dollar.

However, there are at least two reasons why gold is still a good investment. First is the fact that gold has been valued as a form of wealth since the ancient time. It is, therefore, a logical alternative in the event that capitals need to shift from currency. The second is in par with the first reason. It is a fact that throughout history, precious metals have been used to defend wealth from destruction. In other words, gold has maintained its purchasing power for a long period of time.

About the author: Montele Hogan’s mission is to help YOU to achieve the financial freedom and success that everyone in this internet marketing/network marketing game has always talked about. Your success is my success in that we can help each other reach our goals together.

Bank job opportunities in the government sector banks of India

Regarding public sector jobs
The financial sector of India has sizable openings for the educated and talented masses of youth of the nation. Bank exams are conducted on huge scales in almost all the major towns and cities of the nation on fixed dates, mostly on holidays. Bank jobs in India are very secure jobs with high pay scales and benefits. The candidates can prepare for the competitive bank recruitment exams from the previous years solved bank exam question papers. These exams are golden opportunities for the educated and aspiring youth of the nation to get a prestigious job in the financial sector of India. >

Recruitment rounds and question paper pattern
There are usually two recruitment rounds for public sector banks, the written test and the personal interview (PI) round. Sometimes the PI round is preceded by a group discussion (GD) round. The written recruitment question paper is usually objective and multiple choice question type. There are four choices for each correct answer. That is the reason why there is negative marking for each wrong answer. In the exam for recruitment of probationary officers (PO) a second descriptive or subjective paper is conducted after the first paper. General awareness, math, English, logical reasoning and quantitative aptitude are the various sections of the question paper. All these sections carry equal marks.

Exam preparation
All sections of the question paper must be studied with equal importance and all the recruitment rounds must be prepared with equal emphasis, in order to qualify for the banking positions. These recruitment exams are conducted to fill up the positions of probationary officers and clerks. The candidates can prepare from the previous year’s solved sample papers in order to get an idea of the question paper pattern, every year, in the banking recruitment exams. There are numerous reputed institutes which train up the aspiring candidates to succeed in their recruitment tests. The candidates can also study at these coaching centres.

Application and eligibility
The candidate should be a graduate in any discipline, in order to appear for the bank exams, under the public sector of India. Bank exam question papers are available on the web sites of the exam councils. The candidates can prepare from these sample papers for bank jobs. The application form should be filled up in details by the candidate and mailed on the official address of the exam board. Admit cards are mailed on e-mailed at the addresses or e-mail in-boxes of the candidates. The candidates should never miss any important date related to the exams.

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