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Creative Gift Wrapping Ideas / Give Mom, grads, and more a present that's as pretty as a picture on with these tips.
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Source by kaiulani20
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Monday, October 31, 2016
Shipping and Packaging Your Product for Your Creative Business via Marketing Cre...
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Shipping and Packaging Your Product for Your Creative Business via Marketing Creativity
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Source by luisakiota
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My No-Fuss Formula for Pricing My Services - Elle & Company...
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My No-Fuss Formula for Pricing My Services - Elle & Company
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Source by mahaidesign
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United States Government Debt is Increasing Rapidly
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United States government debt, also referred to as the national debt or United States total public debt, is the amount of money owed by United States federal government to holders of U.S. debt instruments.
The total Public debt includes state and federal debts which is owed to corporations, individuals and foreign governments. But, this debt excludes all social security debts and intra-governmental obligations.
Some of the federal securities held by the public include Bonds, Treasury Bills, United States Savings Bonds, Notes, TIPS and State and Local Government Series securities.
External debt includes debts which both the public and private sectors owe to foreign people and organizations. Foreign ownership of public debt is a substantial part of the total national debt.
When U.S. federal debt passed the $10 trillion mark on 30th September 2008, public debt stood at $5.3 trillion.
Further debts included Social Security obligations, Medicare, Medicaid and others.
A division of United States Department of the Treasury, the Bureau of the Public Debt, calculates the amount of money owed by the government daily.
Budgeted and non-budgeted spending has pushed total debts upward by around $500 billion each year since 2003. The budget deficit fell from $318 billion in 2005 to $162 billion in 2007, but moved sharply up again to $455 billion in 2008.
There have been regular warnings from the U.S. Treasury Department, Office of Management and Budget (OMB), and the Government Accountability Office (GAO) that debt levels are sure to increase dramatically due to social programs like Medicare, Social Security, Medicaid and interest owed on outstanding debts.
There are estimates that benefits under entitlement programs could exceed government income by more than $40 trillion in the next half century.
If the changes which they propose are not done, some experts claim that federal expenditures could surpass federal tax revenues by sizable margins in a shorter period than that.
The Beginning of Federal Debts
Public debts have been a part of its existence since the United States of America came into being.
The first reported value of public debt was $75,463,476.52 on January 1, 1791. This was a combination of debts that were incurred during the American Revolutionary War and the creation and implementation of the Articles of Confederation.
Debt continued to increase over the next half-century.
It was brought down to zero for a short period in early January, 1835.
After that, the debts just kept increasing.
The Civil War in America was responsible for a huge surge where debts rose from $65 million in 1860 to more than $1 billion in 1863.
The following year, it stood at $2.7 billion.
There were a few fluctuations during the rest of the century. But, strong economic growth was recorded through most of the period from 1800 to 1912.
Then, debts started increasing again. It was around $22 billion during the 1920s, the World War I period.
History repeated itself and debts grew to an alarming $260 billion by the end of World War II from a figure around $51 billion in 1940.
Public debt and inflation soared in tandem during the nineteen-eighties. The nineties saw the debts increase by about two hundred percent within a decade.
Better results were achieved towards the close of the century.
But, debts then started climbing quickly again.
Public debt stood at about $7.9 trillion at the end of 2005. This was about 8.7 times the level of public debt in 1980.
For the greater part of the last half-century, America had enforced a debt ceiling. The Treasury could issue as much debt as the government required as long as it was within the specified ceiling.
Over time, the United States Congress passed new laws which caused fairly regular increases in the level of the ceiling.
Congress increased the debt limit to $9.815 trillion in September 2007.
In July 2008, the ceiling was again raised to $10.6 trillion with the passing of new laws to accommodate the bailout of mortgage giants, Freddie Mac and Fannie Mae.
Congress used to approve legislation for each debt issuance. It was decided that this was no longer possible because of the growth of fiscal operations in the twentieth century.
As debt is spiraling out of control you can take action and survive, and create your own personal financial security.
Categorization of Public Debts
Public debts are of two main types:
1. Marketable and Non-marketable securities held by the public
2. Securities held by government accounts
Ownership
Public debt holders cover a huge group of people that owning bills, notes and bonds.
The U.S. Treasury regularly publishes data providing information about the holders.
The foreign and international holders of the debt are also put together from the notes, bills, and bonds sections.
More than half of the total national debt is owed to the Federal Reserve and intergovernmental holdings.
According to reported figures of the US government in September 2008, it has supported its obligations to bailout home mortgage companies of Freddie Mac and Fannie Mae through the Housing and Economic Recovery Act of 2008.
The balance sheet obligations of these two companies are over $5 trillion. The Government does not account for these obligations in its current balance sheet.
The U.S. Treasury contracted to receive US$ 1 billion dollars in senior preferred shares and a warrant for 79.9% of common shares from each of these Government Sponsored Enterprises or GSEs.
This was done to maintain adequate capital ratios in the enterprises and ensure essential solvency. This is, effectively, nationalization of the companies.
Some people claim that some of these US governmental actions place taxpayers' funds at some risk. The effects of the takeovers may not be predictable immediately. The overall picture will probably only come into focus later.
At the time of the takeover, more than 98% of Fannie's loans were being repaid in a timely manner.
Both these companies are claimed to have had a positive net worth where their assets were valued much higher than their liabilities.
The Congressional Budget Office has directed incorporation of the assets and liabilities of these two companies into the federal budget. This shows the extent of governmental control over these entities.
Foreign Ownership
Presently, foreign governments are said to have about 25% holding of total US debt.
This figure was about 13% in 1988.
US Treasury statistics indicate foreigner organizations and individuals held 44% of federal debt held by the public in 2006. Two-thirds of this was held by central banks of countries like China and Japan.
Although there was a fall in such investments in 2007 due to the depreciating value of the US dollar at the time, but foreign investors continued investing in US-dollar–denominated instruments.
This exposure is claimed by some to pose a threat of some scale to the US economy.
If the foreign investors start selling Treasury securities or stop purchasing them, some people claim that it might cause significant losses.
It seems that such losses may be a very unlikely situation but the possible effects from such a theoretical situation becoming reality must be considered when decisions are being made.
Central banks of Sweden, Russia, Italy and the United Arab Emirates reduced their dollar holdings marginally in 2006.
Kuwait and Syria discontinued pegging their currency exclusively to the dollar in 2007.
These occurrences may not be pointers to what could happen in the future.
As you can see from this information the recession ahead could be long lasting and it is everyone's responsibility to take action to survive the current crisis. You can find out how to protect yourself and your family, and come out of the current crisis in a stronger situation with this new ebook Surviving the Debt Crisis.
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Source by Craig Maugham
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25 Things You Can Do To Market Your Business
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25 Things You Can Do To Market Your Business - Awesome list and printable pdf
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Source by instawithalex
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How to Start Your Own Company: 50 tips (infographic) We originally had it with ...
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How to Start Your Own Company: 50 tips (infographic) We originally had it with this article: ventureosity.com/...
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Source by ventureosity
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Get a Work Excuse With Fake Doctors Notes
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Retired people know a joy that most of us can only dream of: waking up to a beautiful day knowing you don't have to go to work. Imagine that, you can stay at home with family or go off someplace and just enjoy doing nothing. But in the modern age, most people never get to do this. Work takes up the majority of our time. Everything is rushed. Wouldn't it be great if you could sometimes give a work excuse and take the rest of the day off?
Luckily you can do just that-with Fake Doctors Notes! Yes, there is such a thing. When you wake up one morning and realize you are just too damned lazy to go to the office, or there are things in the house you need to take care of, or you just want to spend quality time with your family, just slip in a fake doctor's note and you get a work excuse!
What are Fake Doctors Notes? They are, quite simply, a fabrication that is meant to be taken (or mistaken) for a real doctor's note. With a fake doctor note, you can inform the office that you are sick even when you are not. This gets you a work excuse or school excuse. A simple handwritten note won't do though. Fake Doctors Notes must look authentic so as not to raise questions or suspicion from whoever it is given to, in this case your boss or supervisor.
Hallmarks of quality Fake Doctors Notes are:
1) A professional, well-designed look
2) A genuine-looking letterhead or logo
3) A doctor's signature
4) A verifiable contact information
The first two items are crucial. The more convincing they are, the less likely will people suspect the remaining items. So you should create a very professional-looking Fake Doctors Notes template, or save yourself the trouble and buy them online.
For the fake doctor's signature and handwriting, it's better to get someone else to write it for you, since your boss/supervisor would recognize your penmanship easily. And make sure the person who writes it has "doctor's handwriting" to begin with.
The phone number and address are where it gets a bit tricky. The most foolproof Fake Doctors Notes must have a real telephone number on it. You never know if the person who receives your fake note is obsessive or suspicious by nature.
To get around this problem, you can use a phone number that you have access to but which your boss doesn't know about. Set up a voice recording on an answering machine, or unplug it or put it on busy line. If you have a modem, you can hook it up to that line and keep it busy. Or if you want to go that far, get someone you trust to answer the phone and play the doctor.
This is not without risks though. That is why you should use Fake Doctors Notes with discretion. Do not use them too often. And if you do use them, make sure you have a professional-quality template like you can buy online.
Your reward for using Fake Doctors Notes wisely is a brief yet much-needed respite from a demanding job. So why not do yourself a favor and buy fake doctors notes today?
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Source by Dr. E.Z. Streat
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Summer Camps For Teen Girls Build Self-Confidence
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Finding constructive, fun ways for your daughter to spend the summer months can be a challenge, especially with today's busy lifestyle. Summer camp can be a wonderful option for your young teen. A good camp program can give just the right mix of freedom and supervision, new experiences and a safe environment to foster her development as she gets ready for womanhood.
This time-honored summer tradition can provide your daughter with lifelong memories, but that is only part of the story. She could very well come home with a toolbox full of new skills, lasting friendships, and newly discovered confidence in her own abilities that will serve her well into adulthood.
The best summer camps offer an exciting range of activities tailored to appeal to a variety of interests. These camps employ highly trained counselors who are enthusiastic about sharing their knowledge and experience. Many camps offer varied program lengths, from a few days to several weeks away from home.
If she is a sports enthusiast, your daughter may enjoy a sports-themed camping experience. Camp counselors and trainers will help your daughter perfect her skills as she shares her experiences with new friends from all over the country. Sports camps can offer specialized skills instructions that will prepare her to compete in her sport at a whole new level.
Your technically talented daughter will lose herself at computer camp. Surrounded by counselors who speak her language and understand complex computer skills, your teen can expand her knowledge and challenge herself along with other kids with similar interests. Whatever her particular strengths, from gaming and robotics to web site construction and video editing, she will surely find herself taking on new skills and making friends.
Other, more traditional summer camps offer encounters with the rugged outdoors. S'mores around the campfire, horseback riding, hiking, canoeing and many other activities can help create memories that she will treasure. Leaving behind the technological trappings (many don't allow cell phones, email or even TV) and stresses of the modern world and getting back to nature can be both physically challenging and mentally freeing. It can give your daughter the opportunity to know herself better than ever before, and to prove what she is made of.
Many summer camps are geared to teach leadership skills as well as fun. These focus on providing experiences that equip your teen with fortitude and determination, as well as adding greatly to her character and understanding of those around her. She will learn to be a part of a team, to find those qualities in her counselors she admires and would like to emulate. These camps can light a spark of self reliance in your daughter that will take her far beyond her teenage years.
No matter what your daughter's interests and abilities may be, the right summer camp will help her find her hidden gifts and discover her niche in the world. From basketball camp to drama camp, cheerleading to church groups, your daughter's adventure is out there waiting for her.
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Source by Stephen A Daniels
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Milk and Cookies Fudge
9 DIY Projects Made From Old Books | Art Of Upcycling
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9 DIY Projects Made From Old Books | Art Of Upcycling - DIY Projects & Creative Crafts – How To Make Everything Homemade
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Source by marinasriker
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Brownie-Chocolate Chip Thumbprint Cookies - Chelsea's Messy Apron
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2-ingredient brownie center stuffed inside chocolate-chip cookies. Easy, creative, delicious!
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Source by cheercoach1964
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40+ Creative Pinecone Crafts For Your Holiday Decorations
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40+ Creative Pinecone Crafts For Your Holiday Decorations | Architecture & Design
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Source by sgtheriault
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Build Your Brand: 20 Unique and Memorable Color Palettes to Inspire You
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Build Your Brand: 20 Unique and Memorable Color Palettes to Inspire You – Design School
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Source by nice_jinjo
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New Guidelines Affect Loan Modifications and Credit Scores
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New Guidelines Affect Loan Modifications and Credit Scores
Starting November 1, 2009, borrowers can have a little more assurance when it comes to loan modifications and how they impact credit scores negatively.
Previously, the effects of a loan modification on one’s credit score was something of a mystery. Some banks would not report late or partial payments to the credit bureaus during the trial modification process while others would. This led to confusion among borrowers, leaving many afraid of further damaging their credit with a loan modification.
Thanks to new guidelines set forth by the Consumer Data Industry Association, loan modifications under federal programs Making Homes Affordable and the Home Affordable Modification Program are to be listed on credit reports as, “loan modified under a federal plan”. This notification on the credit report will not have the same negative impact previous entries such as “partial payment” have had. In many instances, a report of a partial payment during the trial loan modification period could drop a borrower’s credit score as much as 100 points.
For the time being, FICO has agreed to take no action on these new entries… yet. Instead the credit reporting agency plans on studying the long term outcome of these loans and then making an appropriate score assessment based on the success rate of modified loans. As it stands now, banks are supposed to report the loan as current if the borrower is current on their normal mortgage payment and is current through their trial. However, if a homeowner is behind on their payments as they begin the trial process, their late entries on their credit report will not be expunged. When the permanent loan modification is approved and implemented that is when their loan will be brought current, but the late that are currently on the credit report will continue to report on the credit report.
It is important to note that these new guidelines only apply to loan modifications under the umbrellas of the federal loan modification programs MHA and HAMP. Individual bank loan modifications do not qualify and the banks will report to the credit agencies based on their specific policies. In addition, even if the borrower’s credit score is not affected by the “loan modified under a federal plan” entry will still be visible on a borrower’s credit report, which may affect a lender’s decision somewhere down the line.
Ultimately, the decision still rests with the homeowner on how to proceed with their specific situation. While a loan modification may or may not have an impact on credit reports, the impact of a foreclosure or short sale on credit scores will most likely be far more severe.
Finally, FICO will wait one year in order to gather data on this new ruling to see if they will retroactively decide to report negatively on the borrower’s credit report. This of course will be an across the board decision. And yes, they will retroactively ding your credit if they decide that is the appropriate course of action. However, any creditor that pulls your credit will still see some type of term listed on the credit referencing a loan modification. This means the new creditor will be aware of the modification, which may impact their decision.
If you would like more information on loan modifications, short sales, or refinancing, feel free to visit our website at www.CallALMS.com. We have live chat, informative blogs and pages of information designed to help you with your specific financial situation.
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Source by Christine Hynes
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20 Fun Christmas Decorations - Thrifty T's Treasures
Protect Your Business From Criminal Investigations - the Worst Legal Disaster Imaginable
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Most business owners and executives think that because they are good people who do their best to follow all laws and rules, they are immune from worrying about criminal business investigations and issues. However, nothing could be further from the truth. Everyday conduct and occurrences can be construed as criminal like the following:
• Forgetting to include income on a tax return
• Misstating your income or expenses on a financial statement when applying for a bank loan
• Using loan proceeds for a purpose other than that for which you applied
• Bouncing a check
• Talking to competitors
• Making a mistake on an application for a federal grant, funding or certification.
Without exception, the most serious legal disaster that could befall your business is a federal criminal investigation or indictment of you, or any other manager, officer or the company itself. Individuals or the operating business entity, together or separately, can be named as a witness, suspect, or target in an investigation. Enron and Arthur Anderson are the most recently famous of such business crime cases which resulted in the collapse of the businesses themselves and imprisonment of the executives. Many national business and legal experts have concluded that the demise of those two giant companies was not caused by the illegal activity of which they were accused, but the damage to their reputations that immediately drove their investors, lenders, and customers away in a panic.
The following business practices can help protect you and your company from being wrongfully accused or convicted of a federal or state crime:
1. Adopt a Government Investigation Policy
This policy should state unequivocally that your company and its employees will cooperate with any government investigation, but only with the assistance of a qualified lawyer. This policy should be adopted at a time when there is no threat of an investigation or hint of any problem. Write the policy down and include it in all company documents, employee handbooks and materials.
2. Hold a Government Investigation Seminar
Conduct an annual, required in-house seminar on business criminal issues, just like safety seminars and courses, for your employees. The seminar should be conducted by a criminal lawyer to instruct employees on individual constitutional rights and how to protect those rights, to explain the workings of a government investigation, and to suggest ways to handle government investigators and law enforcement officers in the context of an accident, a worksite death, a search warrant, and other investigations.
3. Understand and Utilize Your Constitutional Rights
You, your business and your employees have a constitutional right to a lawyer's counsel before answering or cooperating in any investigation. It is known as the Sixth Amendment. You also have the right to remain silent when questioned by investigators or prosecutors to protect against self incrimination. This is the Fifth Amendment guarantee. It means that you have the right to decline to answer questions that might tend to incriminate you. Use these rights aggressively whenever the circumstance warrants them.
4. Understand that Lying to a Federal Agent or Officer is a Federal Crime
Lies to officials are generally referred to as "false statements." To be a crime, the lie does not have to be given under oath and can be oral or written. Nor does it have to be made in the context of a formal or court setting. Any statement given to a federal officer that can be said to be false, even if mistaken, meets the very low bar of the offense. Most often, the only evidence of the statement is notes or testimony of the federal agent. It is not a requirement of the offense that the government or officer be misled, deceived, or persuaded by the false statement. All that is required for the crime is that the statement have some connection, even though tenuous, to some matter within the jurisdiction of the United States. Today, in America, lying is a federal crime in just about any business context and every business person or executive must be aware of this state of affairs.
5. Contact your Criminal Business Lawyer Immediately
If your company receives a business records subpoena from a grand jury, receives a call from a government investigator or gets raided by a government law enforcement team, call an experienced expert criminal defense lawyer before you answer a single question or do any other thing.
These simple actions can go a long way toward protecting you and your company from criminal business investigations.
Marjorie Jobe is the author of Business Law Battle Plan for Entrepreneurs: Protect Your Company from Lawyers, Lawsuits and Legal Disasters and is a practicing attorney in El Paso, Texas.
http://businesslawbattleplan.com
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Source by Marjorie Jobe, J.D.
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Sunday, October 30, 2016
The Importance of Writing for Yourself
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No matter where you write, it is important that you don't forget the benefits and the importance of writing for yourself. Click through to read about one writer's fear and how writing for herself made that fear go away.
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Source by pearlbrown3914
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Don't Overpay for Your Home Loan
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WHAT interest rate are you paying on your housing loan? If you are paying 3.5 per cent or more, you might be overpaying. With the US Federal Reserve cutting interest rates, the Singapore Inter-bank Offered Rate, or Sibor, has been on a downward trend. Sibor is the rate at which banks lend to one another. Currently, the three-month Sibor has fallen to about 1.4 per cent, down from about 2.5 per cent last year.
Banks have started lowering interest rates offered on housing loans to as low as 2.08 per cent. Thus, if you're paying an interest rate of 3.5 per cent or more, it might make sense for you to refinance your housing loan to enjoy interest savings. If consumers hold the view that interest rates are likely to fall, choosing a housing loan package pegged to Sibor would enable them to automatically enjoy lower interest rates as Sibor moves lower.
For example, if your outstanding loan is $500,000 and you're currently paying 3.5 per cent interest with a remaining loan period of 20 years, the total interest savings for the next three years from refinancing can work out to $13,831.38. After factoring in the cost of refinancing, the net interest saving still works out to $13,331.38. Thus, by refinancing, you can be 'richer' by over $10,000.
Floating rate vs Sibor/SOR pegged packages: Each bank will usually set its own board rate and after deducting a 'discount factor', arrive at the floating (adjustable) interest rate charged to clients. The problem is that each bank will set its own board rate arbitrarily and there might be occasions when Sibor rates fall, and banks don't reduce the interest rates charged on floating (adjustable) rate packages. Thus, in a bid to increase the transparency, some banks have recently introduced housing loan packages with interest rates pegged to Sibor or Swap Offer Rates (SOR).
The advantage of such packages is that as and when inter-bank offer rates move up or down, your interest rate would be adjusted as well - it would not be at the bank's discretion. Currently, Sibor/SOR have fallen below 1.4 per cent and interest rates charged on such loans can be as low as 2.08 per cent.
With the US expected to continue cutting interest rates in the next few months, Sibor is expected to remain low or even fall further in the next six to 12 months. Thus, if consumers hold the view that interest rates are likely to fall, choosing a housing loan package pegged to Sibor would enable them to automatically enjoy lower interest rates as Sibor moves lower.
Beware: Fixed rate packages typically come with lock-in periods. Some banks recently also adjusted interest rates charged on their fixed rate packages downwards to an average of 2.58 per cent for the first three years. However, such packages come with a penalty period of three years. Thus, such packages might not be suitable for consumers who intend to sell their property within the next three years, as they are liable to a penalty fee.
Should you apply for a housing loan now for properties purchased on a deferred payment scheme? You might have purchased a property on a deferred payment scheme and only need to take a loan when the project gets its Temporary Occupation Permit (TOP), which might be in 2009 or 2010. Should you apply for a housing loan now? By applying for a loan now, you eliminate the risk of loan rejection should there be any adverse change in your financial situation in future, for instance, a pay cut or job loss when the property is ready. You also eliminate the risk of banks granting a lower loan quantum should the property market turn and prices fall. To safeguard your interests, you can choose a loan package that allows you a free loan conversion so that you can switch to a better package should one be available nearer TOP.
Cash in on your property without selling it: With property prices having gone up in the past three years, you might now own a property whose value has doubled. In that case, your current debt-to-asset ratio might have fallen considerably. For instance, say you bought a $1 million property three years ago and took an 80 per cent loan, or $800,000. Currently, the loan outstanding is about $750,000, while the current value of this property might have gone up to $2 million. This means your current debt-to-asset ratio is only 37.5 per cent. How can you benefit from the rise in the property price without selling your property? You can consider taking an equity loan on the property. For instance, in the above example, subject to your credit score, banks might grant you an additional equity loan of up to $850,000. To be conservative, you can consider taking up a lower equity loan of, say, $450,000, bringing your debt-to-asset ratio to a comfortable 60 per cent. You can use the $450,000 equity loan granted by the bank to start a business, or even to invest in another property. The interest rate on equity loans in Singapore is very low and can be as low as 2.2 per cent currently.
Should you pay off or reduce your housing loan?: The Singapore government has projected the inflation rate in 2008 to be about 5 per cent. On the other hand, the interest rate on housing loans is about 2.2 per cent. Thus, we have a rare scenario of negative interest rates, that is, a person who takes a housing loan is actually ahead of someone who saves money in bank deposits because of the shrinkage of money from inflation.
On the other hand, interest rates on bank deposits have fallen to about 1.5 per cent. With inflation at 5 per cent, it means that a consumer is losing 3.5 per cent a year by putting money in bank deposits.
Instead of paying down your housing loan which charges low interest rates of less than 3 per cent, you can consider investing your cash in a stable investment that is not subject to large price fluctuations and offers higher returns than fixed deposits. One example is UK-traded endowments, which have a guaranteed cash value and generate annual returns of 6-8 per cent.
How to choose a suitable housing loan?: There are over 113 different housing loan packages available in Singapore at any one time. Each package has its own unique features, with its own pros and cons and different terms and conditions. Consumers might be confused by the wide array of choices. In the last few years, with the emergence of independent mortgage brokers in Singapore, home loan shopping and comparison have been made easier.
Basically, an independent mortgage broker who knows your requirements can help you zoom in on the most attractive home loan packages suitable to your needs. You typically do not have to pay for the service of a mortgage broker as banks pay them a fee.
In more advanced countries such as the US and Australia, people usually apply for home loans through a mortgage broker rather than go to the bank directly. In Singapore, many people are still unaware of the services and benefits of engaging a mortgage broker, but things are likely to change with public education and increasing awareness.
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Source by Dennis Ng
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What Every Mortgage Broker Should Know About SAFE Act Testing
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Unless you've been selling real estate on Mars for the past few years, you've heard about the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (called the SAFE Mortgage Licensing Act of 2008). The SAFE Act mandates increased federal regulation of the mortgage lending industry, enhanced licensing requirements, and professional liability for mortgage loan originators (MLOs) who fail to comply. So if digging your way out of the recession were not challenging enough, now you have additional federal and state hurdles to clear.
How did this happen? In response to the foreclosure epidemic and the global economic crisis that erupted in 2008, devastating the real estate markets and forcing banking institutions to cut lending or even close their doors, Congress passed legislation to establish more government oversight of individual mortgage loan originators, with the outcome of increased consumer protection. Primarily, the law set forth objectives for a Nationwide Mortgage Licensing System (NMLS) for the residential mortgage industry. The SAFE Act requires that all residential mortgage loan originators must be either federally registered or state-licensed. A mortgage loan originator employed by a federally insured depository institution or any credit union or an owned and controlled subsidiary that is federally supervised must be federally registered. All other mortgage loan originators, without exception, must be state licensed.
All state licensed and federally registered mortgage loan originators must be registered with the NMLS, which is maintained by the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators.
Striving for Uniformity Among the 50 States
At the time of the law's passage, state systems varied greatly. The SAFE Act required the states to have a licensing and registration system in place by either July 31, 2009 (for states whose legislatures meet annually) or July 31, 2010 (for states whose legislatures meet biennially). For either of these deadlines, the U.S. Department of Housing and Urban Development (HUD) offered to extend the deadline if HUD determined that a state is making a good faith effort to establish a state licensing law that meets the minimum requirements of the SAFE Act.
By January 2010, 43 states, the District of Columbia, and Puerto Rico had adopted NMLS. But HUD recognizes that in many states, individuals currently performing loan originations may not be able to meet the educational, testing, and background check requirements by the time required regulations become effective. In addition, HUD is aware that some states already require licensure of loan originators.
In those states that have adopted NMLS all individuals acting as a residential mortgage loan originator (RMLO) must create an account in NMLS, and have filed or file a Form MU42 through NMLS with the state regulatory agency. Filing deadlines depend on the type of license required.
NMLS Requirements and Your Responsibilities
What do you have to do? In addition to certain other requirements, all MLOs need to file a Form MU4 through NMLS with the their state's Division of Banking. The applicant as a state-licensed loan originator must furnish certain information to the NMLS including fingerprints for a criminal background check and personal history and experience. Minimum standards for license issuance includes:
* Never having had a revocation of loan originator license; * Never having had a felony conviction involving an act of fraud, dishonesty, or a breach of trust, or money laundering (no other types of felonies seven years prior to application); * Demonstration of financial responsibility; * Completing pre-licensing education reviewed, and approved by the NMLS (at least 20 hours); * Passing a written test developed and administered by the NMLS (at least 75 percent correct answers out of minimum 100 questions). * States must include a minimum net worth requirement or surety bond requirement for applicants, or have had the applicant pay into a state fund.
The SAFE Mortgage Loan Originator Test
Some requirements (such as no felony conviction and no license revocation) are straightforward: either you can comply, or you can't. What's bringing fear and trembling to the hearts of MLOs nationwide is the SAFE Mortgage Loan Originator Test. All MLOs must pass the test, which is comprised of two components: a state component and a national component. MLOs must pass each component with a score of 75 percent or higher prior to renewal for 2011. The SAFE Act exam covers topics including federal law and regulation, fair lending issues, consumer protection, instruction on fraud, ethics, and the nontraditional marketplace.
To date, industry sources place the failure rate at anywhere from 30 percent to a whopping 70 percent for first-time takers. As part of the SAFE Act licensing requirements, the Act requires that all new mortgage loan originator applicants must complete 20 hours of NMLS-approved Pre-licensure Education (PE) and annual Continuing Education (CE). You'd think that 20 hours of instruction should make the test a breeze. Apparently results depend upon the quality of the program.
Getting the Training You Need
Fortunately, mortgage industry education organizations are gearing up for the challenge. LoanOfficerSchool.com, a California-based company that has been in the MLO education business since 1987, recently unveiled a set of education programs designed specifically for SAFE Act test training.
"When the SAFE Act was passed by Congress in 2008," says LoanOfficerSchool's founder David Reinholtz, "We saw a huge unmet need for affordable and effective MLO education programs. Too many loan officers are unprepared for this new and added challenge to their professional lives. We put our twenty years' of experience to work and created a program that can give the MLO confidence and knowledge. We can't guarantee that everyone will pass the test, but we don't think that a better program exists."
David, who is also member of the advisory board of industry leader MortgageCurrentcy.com, says that LoanOfficerSchool.com is gearing up for extensive rollout of program venues. "I encourage every loan officer who is facing SAFE Act licensure to check out a LoanOfficerSchool.com program in a city or town near you. With the right training, you'll have confidence and peace of mind when you sit down to take the SAFE act test."
David
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Source by David Reinholtz
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How To Form A Limited Liability Company (Llc) In California
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After reading this article you should have a better understanding of how an LLC is formed in California. You'll learn how to register your LLC with the California Secretary of State, what documents you need to open your business checking account, and how to find out if you need to obtain licenses or permits for your limited liability company. Important links are included at the bottom of the article, including where to download required forms for registration.
Check LLC name availability
Check the availability of the name you want to use for your limited liability company (LLC) on the California Secretary of State web site under Business Programs > Business Entities > Business Search. If the name you want is not already taken by an LLC or is not too similar to an LLC registered with the Secretary of State, then you can use that name.
File the Articles of Organization
Complete the Articles of Organization (Form LLC-1). You can download the form at California Secretary of State web site under Business Programs > Business Entities > Forms, Samples and Fees. You must designate an Agent for Service of Process, which can be either an individual living in California or a corporation registered in California, to accept court papers on your behalf should your LLC ever be sued. Your LLC cannot be its own Agent for Service of Process. The $70 filing fee for Form LLC-1 must be submitted with Form LLC-1 and mailed to the California Secretary of State or delivered in person.
File the Statement of Information
In a few weeks you will receive a date stamped copy of the Form LLC-1 you filed from the Secretary of State. Enclosed in the same envelope will be a Statement of Information (Form LLC-12) for you to complete and return to the Secretary of State. . You must file Form LLC-12 within 90 days of your LLC registration and include a check for the $20 filing fee. Form LLC-12 is a biennial statement, which means it has to be filed every two years.
Get an EIN
Register for a Federal Employer Identification Number (EIN) on the IRS web site under Businesses > Employer ID Numbers. You should get an EIN for your LLC even if you don't plan on hiring someone to work for you because you will need it when applying for a business bank account (unless you don't mind using your SSN!).
First meeting and operating agreement
Hold your LLC's first meeting and take meeting minutes (even if you are a Single Member LLC). The meeting should essentially cover the name and business premises of the LLC, when/where the LLC was formed, and its appointed members/managers. You will need these minutes to open your business bank account. You should also create your LLC's Operating Agreement at this time. The Operating Agreement is for your internal records and is not to be provided to the Secretary of State or the bank.
Open a business bank account
Open a business checking account for your new LLC. You will need to show them your EIN, filed Form LLC-1, and the first meeting minutes of your LLC, along with a government photo ID of its appointed member/manager.
Determine your tax obligations
Complete and file California Form 3522 (LLC Tax Voucher) with the Franchise Tax Board. Include a check for $800 to pay for your annual LLC tax. Read the instructions on Form 3522 carefully to determine when you should file and pay. Depending on your business type and location, you might be subjected to paying additional taxes (besides federal and state). You can determine your company's tax obligations by visiting the California State Board of Equalization website.
Determine your license or permit requirements
Your company might need a license or permit in order to operate in California. Go to the CalGOLD website at to see if your business needs one.
Final Note
When you are completing Forms LLC-1 and LLC-12, your company's name must end with the words "Limited Liability Company", "Ltd. Liability Co." or the abbreviation "LLC" or "L.L.C." Failure to do so will result in a denial of your application and will delay your registration process.
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Source by Jovana Jerinic
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This easy Guacamole Chickpea Salad with Cilantro-Avocado Dressing from AlwaysOrd...
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This easy Guacamole Chickpea Salad with Cilantro-Avocado Dressing from AlwaysOrderDesser... makes for a quick high-protein vegetarian lunch entree or can be served as a savory and spicy side with grilled chicken, fish or shrimp. The spicy and bright Mexican flavors of cilantro and jalapeño will make it a hit with the whole family. Add this healthy recipe to your weekday menu plan.
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Source by alejandraramos
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Bailey's Salted Caramel and Espresso Martini | Denver Colorado Food and Cocktail Blogger
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Denver Colorado Food and Cocktail Blogger | Bailey’s Salted Caramel and Espresso Martini | www.creative-culi...
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Source by creativculinary
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Sue BOA CHASE or another Bank for Robo Signing In California
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Everyone in America has heard of Robosigners by now. But somehow, in a majority of states (the 27 non judicial foreclosure states), qualms exist about whether this practice is "okay" simply because the matter does not go to court. The clear answer, despite what the banks have said, is no --- absolutely not.
Because the topic has not gotten the treatment it deserves, I will gladly do the job. The following are by no means a complete list, but are the most clear LEGAL reasons (setting aside pure moral questions and the U.S. Constitution) that the Robo-Signer Controversy will entitle hundreds of thousands of homeowners wrongfully foreclosed and evicted to sue in non judicial foreclosure states. In short, Robo Signers are illegal in California because good title cannot be based on fraud, robo signed non judicial foreclosure sales are void as a matter of law, the documents are not able to be recorded in California if they are not notarized, which we know was often not done properly, and finally, because they robo signed forgeries ARE intended for judicial proceedings, including evictions and bankruptcy relief from stay motions.
1. Good Title Cannot Be Based on Fraud (Even as to a 3d Party).
In the case of a fraudulent transaction California law is settled. The Court in Trout v. Trout, (1934), 220 Cal. 652 at 656 made as much plain:
"Numerous authorities have established the rule that an instrument wholly void, such as an undelivered deed, a forged instrument, or a deed in blank, cannot be made the foundation of a good title, even under the equitable doctrine of bona fide purchase. Consequently, the fact that defendant Archer acted in good faith in dealing with persons who apparently held legal title, is not in itself sufficient basis for relief." (Emphasis added, internal citations omitted).
This sentiment was clearly echoed in 6 Angels, Inc. v. Stuart-Wright Mortgage, Inc. (2001) 85 Cal.App.4th 1279 at 1286 where the Court stated:
"It is the general rule that courts have power to vacate a foreclosure sale where there has been fraud in the procurement of the foreclosure decree or where the sale has been improperly, unfairly or unlawfully conducted, or is tainted by fraud, or where there has been such a mistake that to allow it to stand would be inequitable to purchaser and parties." (Emphasis added).
Hence, if forged Robo Signed signatures are used to obtain the foreclosure, it CERTAINLY makes a difference in California and other non-judicial foreclosure states.
2. Any apparent sale based on Robosigned documents is void - without any legal effect - like Monopoly Money.
In Bank of America v. LaJolla Group II, the California Court of Appeals held that if a trustee is not contractually empowered under the Deed of Trust to hold a sale, it is totally void. Voidness, as opposed to voidability, means that it is without legal effect to begin with. Title does not transfer. No right to evict arises. The property is not sold.
In turn, California Civil COde 2934a requires that the beneficiary execute and notarize and record a substitution for a valid substitution of trustee to take effect. Thus, if the Assignment of Deed of Trust is robo-signed, the sale is void. If the substitution of trustee is robo-signed, the sale is void. If the Notice of Default is Robo-Signed, the sale is void.
3. These documents are not recordable without good notarization.
In California, the reason these documents are notarized in the first place is because otherwise they will not be accepted by the County recorder. Moreover, a notary who helps commit real estate fraud is liable for $25,000 per offense.
Once the document is recorded, however, it is entitled to a "presumption of validity", which is what spurned the falsification trend in the first place. Civil Code section 2924. Therefore, the notarization of a false signature not only constitutes fraud, but is every bit intended as part of a larger conspiracy to commit fraud on the court.
4. The documents are intended for court eviction proceedings.
A necessary purpose for these documents, AFTER the non judicial foreclosure, is the eviction of the rightful owners afterward. While California foreclosures are non-judicial, evictions afterwards still are conducted in court, although the process moves quickly and is mostly a "rubber stamping" by skeptical judges. However, as demonstrated below, once these documents make it into court, the bank officers and lawyers become guilty of FELONIES:
California Penal Code section 118 provides (a) Every person who, having taken an oath that he or she will testify, declare, depose, or certify truly before any competent tribunal, officer, or person, in any of the cases in which the oath may by law of the State of California be administered, willfully and contrary to the oath, states as true any material matter which he or she knows to be false, and every person who testifies, declares, deposes, or certifies under penalty of perjury in any of the cases in which the testimony, declarations, depositions, or certification is permitted by law of the State of California under penalty of perjury and willfully states as true any material matter which he or she knows to be false, is guilty of perjury. This subdivision is applicable whether the statement, or the testimony, declaration, deposition, or certification is made or subscribed within or without the State of California.
Penal Code section 132 provides: Every person who upon any trial, proceeding, inquiry, or investigation whatever, authorized or permitted by law, offers in evidence, as genuine or true, any book, paper, document, record, or other instrument in writing, knowing the same to have been forged or fraudulently altered or ante-dated, is guilty of felony.
The Doctrine of Unclean Hands provides: plaintiff's misconduct in the matter before the court makes his hands "unclean" and he may not hold with them the pristine remedy of injunctive relief. California Satellite Sys. v Nichols (1985) 170 CA3d 56, 216 CR 180. The unclean hands doctrine demands that a plaintiff act fairly in the matter for which he or she seeks a remedy. The plaintiff must come into court with clean hands, and keep them clean, or he or she will be denied relief, regardless of the merits of the claim. Kendall-Jackson Winery Ltd. v Superior Court (1999) 76 CA4th 970, 978, 90 CR2d 743. Whether the doctrine applies is a question of fact. CrossTalk Prods., Inc. v Jacobson (1998) 65 CA4th 631, 639, 76 CR2d 615.
5. Robo Signed Documents Are Intended for Use in California Bankruptcy Court Matters. One majorly overlooked facet of California is our extremely active bankrtupcy court proceedings, where, just as in judicial foreclosure states, the banks must prove "standing" to proceed with a foreclosure. If they are not signed by persons with the requisite knowledge, affidavits submitted in bankruptcy court proceedings such as objections to a plan and Relief from Stays are perjured. The documents in support are often falsified evidence. Conclusion
Verified eviction complaints, perjured motions for summary judgment, and all other eviction paperwork after robo signed non judicial foreclosures in California and other states are illegal and void. The paperwork itself is void. The sale is void. But the only way to clean up the hundreds of thousands of effected titles is through litigation, because even now the banks will simply not do the right thing. And that's why robo signers count in non-judicial foreclosure states. Victims of robosigners in California may seek declaratory relief, damages under the Rosenthal Act; an injunction and attorneys fees for Unfair Business practices, as well as claims for slander of title; abuse of process, civil theft, and conversion.
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Source by A New Success, LLC
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Maternal And Child Health Federal Consolidated Programs
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Promoting health of women is one of the many programs administered by the United States Government Federal Agency. These grant programs have but one objective: to promote health of mothers. These programs are initiated at the regional and national level with focus on all American women who are either pregnant or have newly born babies.
Under the program, extensive research would be conducted for the training and research process, genetic disease testing and counseling, and full support to the hemophilia diagnostic and treatment centers would be provided.
Under this program, grants are allotted under different categories according to the different specifications. First, Training grants are allotted to the institutions providing training to the personnel on the health care and related other services meant for mothers and children. Some grants are for research purposes promising better and more advanced maternal health services.
Certain grants are provided for various tests being conducted on genes, for giving best counseling and proper information. Besides, there are Hemophilia grants to provide support to the centers giving hemophilia diagnostic and treatment services and certain project based grants are especially created to motivate personnel involved in teaching and demonstrating services to mothers and children.
This grant program involves Community Integrated Service Systems (CISS) program, which is started at the moment, the total appropriation for a year reaches more than $600 million. Out of this, the sum of 12.75 percent is utilized to give boost to the various community based programs.
Communities plot various schemes including opening up of the maternal and child health centers for women and infants, home visitation, increase in the participation of the obstetricians and pediatricians, voluntary maternal and child health centers for women and infants, community based services for children having special health care needs.
Public and private nonprofit institutions employing higher learning and public and private nonprofit private agencies and organizations conducting research in the Maternal and Child Health (MCH) or conducting the program for the Children with Special Health Care Needs (CSHCN) are eligible for the research grants.
Besides any other public or private organizations giving hemophilia treatment and conducting research in genetics are provided with grants and other special kind of project grants. The range of financial assistance is between $50,000 to $1,500,000.
The information about the deadline to apply for the grants for the above said projects can be had from the Consult Central Office. The validation of the application process can take between 3 to 6 months time period. The awards are given annually through the grant period and payments are given through Electronic Transfer System or Cash Demand System.
The grant program is regulated under the Social Security Act, Title V, Section 502(a)(1), as amended; 42 U.S.C. 702.
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Source by John Goldman
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15 Ways to automate your blog, biz, and life ⋆ Ivorymix
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How to automate your life, business, and blog (Scheduled via TrafficWonker.com)
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Source by briebeeks
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Tools To Automate Social Media: Use These 4 Tools To Rock Your Social Media Stra...
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Tools To Automate Social Media: Use These 4 Tools To Rock Your Social Media Strategy. See how I use Tailwind, Buffer, Trello & Later to make my social media strategy so much easier to manage.
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Source by bloomhustlegrow
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Venture Shorts - No Fluff, to the Point, Business Venture Advice
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Want to see faster growth in your business? Get my FREE Rapid Biz Growth Checklist for Adventurous Entrepreneurs! www.ventureshorts...
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Source by missgsd
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India's Craziest Family's Secret Is Revealed
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Craziness brings happiness & that's what makes a perfect family!
India's Craziest Family's Secret Is Revealed
India's Craziest Family's Secret Is Revealed By Harveen Kaur Tuteja on 12 Aug, 2016 in Lifestyle "Once upon a time in a far and distant land, on this planet of course,There lived a family which was no different from all sorts.Where a 'Namaskar' or a 'Pranaam', was been converted to 'Hello' and 'H...[ad_2]
Source
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Interest From Fixed Deposits, Savings Accounts, Nsc is Fully Taxable
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o All incomes need to be reported, whether exempt from income tax or not.
o Interest earned on bank accounts (savings and FD) are generally not reported due to misconception. Interest income, including accrued interest on NSC is taxable.
o Money received due to compulsory acquisition of land is also taxable. Even the rent received from cell phone tower on roof of your house is taxable.
o Long term Capital gain on stocks and mutual fund is not taxable, but still needs to be reported under exempt income in ITR2.
o Basically, you need to report ALL income
o TDS is deducted on your estimated income at rates specified by income tax. However, your actual income may be higher or lower. Therefore, you have to compute your tax liability at the end of the financial year. Depending on your income and TDS deducted, you may have to pay more taxes or may be eligible for refund.
o Do not forget to mention bank details in your ITR, in case you have refund due from income tax.
• Permanent Account Number (PAN)
Permanent Account Number (PAN) is a ten- digit alphanumeric number, issued in the form of a laminated card, by the Income Tax department. Key points to remember about PAN are:
o It is mandatory to have PAN number in order to file your income tax return.
o Having PAN number does not necessarily require you to file return. You are required to file return only if your gross total income is above the exemption limit.
o PAN number is required to be quoted if you make transactions like:
? sale/purchase of immovable property valued at Rs. 5 lakh or above
? sale/purchase of car for any amount
? time deposit exceeding Rs. 50,000
? sale/purchase of security (such as shares, mutual funds) exceeding Rs. 1 lakh
? application for phone connection
? payment in cash for bank draft or pay order exceeding Rs. 50,000 in a day
o Incorrectly quoting a PAN will make you liable for penalty of Rs. 10,000.
o PAN is your personal identity, don't disclose it unless required. Keep a laminated photocopy of PAN card for use & keep the original PAN card at a secure place.
www.taxspanner.com
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Source by Maria Rain
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La dernière fois que je suis allé shopping était la semaine dernière. Je l&#...
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La dernière fois que je suis allé shopping était la semaine dernière. Je l'ai acheté un
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Source by MoniKuzela
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Popsicle Stick Bracelets Tutorial - seven thirty three
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DIY Popsicle Stick Bracelets Kid Craft Tutorial - Makes a great Mother's Day Gift!
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Source by ammorrison85
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Clever DIYs Made From Items You Didn't Even Know You Could Recycle. I can...
40 Ways To Decorate Your Home With Paper Crafts
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Купить ЛАМИНИН в Закарпатье у Елены Паш. Это проверенное во всем мире избавление от болезней, которые современная медицина не может вылечить. Это диабет, щитовидка, кожные и другие. А Животных поднимает на ноги за часы. Мы зарабатываем в ламинине Кто 500, а Кто 50 000 usd. У НАС ЦЕНА от 33 usd. SKYPE elena-pash2013 elenna777.mylifep...
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Source by trinamp
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Saturday, October 29, 2016
Cheesecake Stuffed Strawberries
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Cheesecake Stuffed Strawberries - Looking for an easy dessert to bring to a party? Try this Cheesecake Stuffed Strawberries,, They are healthy, delicious, and very creative looking. Great for snacks and party trays..
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Source by demiescobedo
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Check out the tutorial: #DIY Mini Pallet Coasters Industry Standard Design ...
THE MOST IMPORTANT STEP THAT ENTREPRENEURS SKIP - that results in slow growth
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Being busy isn't the same thing as being productive. The most important step that some entrepreneurs skip that results in slow growth. Plus a free download - THE ULTIMATE PRODUCTIVITY CALENDAR.
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Source by wonderfelle
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If you are an Entrepreneur and needs simple tools to help you alongside useful b...
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If you are an Entrepreneur and needs simple tools to help you alongside useful blog posts, join my VIP Society and get access to free worksheets and workbooks to help you start and grow your dream business (or businesses)
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Source by rdoesdigital
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The Illustration Cupboard
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Baba Yaga, (in her fabulous mobile tiny house), Jan Pienkowski
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Source by gmalvestuto
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Canon EOS 60D 18.0 MP Digital SLR Camera - Black (Kit w/ 18-55mm Lens)
Canon EOS 60D 18.0 MP Digital SLR Camera - Black (Kit w/ 18-55mm Lens)
Price : 469.99
Ends on : [readable_time]2016-10-10 23:19:02[/readable_time]
View on eBay
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Beautiful Steampunk Animal Sculptures With Articulating Bodies
Invisible Creature | Design Work Life
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This would be an awesome back room poster/promotion or the game that Sarah has concepted
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Source by dooleyoriginal
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India's Craziest Family's Secret Is Revealed
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Craziness brings happiness & that's what makes a perfect family!
India's Craziest Family's Secret Is Revealed
India's Craziest Family's Secret Is Revealed By Harveen Kaur Tuteja on 12 Aug, 2016 in Lifestyle "Once upon a time in a far and distant land, on this planet of course,There lived a family which was no different from all sorts.Where a 'Namaskar' or a 'Pranaam', was been converted to 'Hello' and 'H...[ad_2]
Source
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Geometric Coasters
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These would be great earrings as well. [Geometric Coasters]
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Source by BamaSocialite
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Old Cellar Dweller Barleywine label designed by Hired Guns Creative - http://www.packagingoftheworld.com/2015/12/old-cellar-dweller-barleywine.html... - a grouped images picture
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Old Cellar Dweller Barleywine label designed by Hired Guns Creative
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Source by samschoolpin
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5309e739ad679 a grouped image for pinterest
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SabotagePKG have designed the entire packaging range for Secret Location concept store Vancouver, Canada.
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Source by juditkatalin
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18 Expert Podcasts for Women Online Entrepreneurs | Olyvia
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18 expert podcasts for women entrepreneurs. You should be listening to these!
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Source by OlyviaMedia
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