1. On June 3rd, mortgages
are going to change!! The
FHA is launching several
changes June 3rd to their
loan programs.
Interest rates are set to
increase to 4.3% .
Mortgage Insurance Pre-
miums (MIPs) will be re-
quired for the term of the
loan, disabling people
from canceling MIPs after
a certain point in the loan
(as how it has been for
decades).
Loans will require a
greater down payment
(more than 10%, as op-
posed to 3.5%) to possibly
avoid paying mortgage in-
surance over the life of the
loan (this could mean a
difference of tens of thou-
sands of dollars up front
and through the life of the
loan).
Rates for Mortgage Insur-
ance will increase from
1.2% to 1.3%.
The key to avoiding these
two major changes is to
file for a mortgage (new or
refinancing) with the FHA
and get a case number
issued before June 3rd (all
other details can be
worked out after June
3rd, as long as the case
number is issued before
then!).
For more information on
the changes and how your
current FHA loan will be
affected, go to the official
website:
www.fha.com
These changes could
cost you tens of thou-
sands of dollars!
While we’re talking about
home loans, here are some
really easy ways to pay off
your mortgage years faster
and save you tens of thou-
sands of dollars!!
Switch to a 15-year mortgage
instead of a 30-year mort-
gage. Say you have a
$150,000 mortgage with a
4.3% interest rate. Your
monthly payment on a tradi-
tional 30-year mortgage
would be $742. For a 15-year,
though, the payment would
only go up $392 to $1,132.
This $390 monthly change
adds up to a difference of
$63,432 of interest between a
15-year and 30-year mort-
gage!! You could buy a vaca-
tion home with those sav-
ings!!! Keep in mind that the
first 10 years of a 30-year
mortgage are mainly interest
payments (banks encourage a
30-year mortgage because
they make so much money
off of you!)
Another great tip is to switch
your mortgage to a bi-weekly
payment. By doing this, you
will make one extra payment
a year on your house, allow-
ing you to pay off your mort-
gage three or more years
early!!
Finally, for a third great sav-
ings idea, pay an extra $50 a
month on your mortgage.
This amount will go straight
to the principal and can shave
off two or more years from
your mortgage!
For mortgage and financial
advice, check out www.
bankrate.com.
PAY OFF YOUR HOME LOAN FASTER!!
The Dish
High Power Technical Services May 2013
OWN A HOME? REFINANCE NOW!
HPTS contact
information:
• Having e-mail issues? Call ABS
at 502.896.2557 ext. one or
e-mail:
service@absithelp.com
• Tech Portal issues?
Contact Steve Rose x4334 or
steverose@hpts.tv
• Locked out of ETAdirect?
303.723.2222 option 4
• Locked out of Hconnect?
Contact Aleta x4343 or
aletashaffner@hpts.tv
• HR questions, reference checks,
employee related issues? Ashley
Bailey at ashleybailey@hpts.tv
• Got a sale or sales question?
Our in-house sales department
can answer! X4451
• Got payroll questions?
Contact Crystal at x4311 or
crystalfeliu@hpts.tv
• Locked out of ETAdirect or
need your password reset?
Call 303.723.2222 option 4
All of the offices are
going to be receiv-
ing First Aid kits
from Meiners Medi-
cal & Safety. We
are switching from
Cintas to Meiners
for our first aid and
medical needs.
Meiners is known
for their out-
standing customer
service! If you
have any questions,
ask Ashley in HR!

2. WANT TO GO BACK TO SCHOOL?
YOU DON’T EVEN HAVE TO LEAVE YOUR COUCH!
Going back to school can be an in-
timidating venture. It can be ex-
tremely exciting, though, and
DEFINITELY pays off!
A few years ago, the state
of Kentucky took over the
public community colleges
in the state and combined
them into one large edu-
cational network called
Kentucky Community and
Technical College System
(KCTCS). KCTCS offers
more than 50 diploma, cer-
tificate, and Associate De-
gree programs. Even more,
they offer Associates in Arts (AA)
and Sciences (AS) completely
online! The program is called
KCTCS Online. These degrees are
offered in a variety of majors and
can be uniquely transferred to lar-
ger colleges such as the University
of Louisville, Morehead University,
University of Kentucky, etc. to pur-
sue a Bachelors Degree.
How long will it take me? Associ-
ates Degrees require 60-credit-
hours, which means you will finish
up in about 2 years (on a normal
schedule).
What classes do I have to take?
All students are required to take the
Core courses (also known as Gen-
eral Education or “Gen. Eds.”): 2
English classes, 1 Oral Communi-
cation class, 2-3 Humanities
classes, 3 Social Interaction classes,
2-3 Science classes (and 1 lab), 1-2
math classes (A.S. degrees must
take 4 math classes), 1 Computer
Literacy class, and 4 electives.
Some courses double up and count
in two of the categories. After the
Core courses, your remaining
classes are in your major!
Do I have to get my Bachelors?
Nope! You can stop at an Associ-
ates Degree! If you choose to go on
to a Bachelor
program, you
still graduate
with your As-
sociates, but
you directly
transfer into a
Kentucky uni-
versity for an-
other 2– 3
years to finish a
Bachelors!!
How much is the program?
KCTCS online is $140 per credit
hour. Most classes are 3 credit
hours, so, roughly $420 per class.
The same Associate Degree online
programs with the University of
Phoenix are $1185 per class (nearly
three times as much!).
How do I pay for it? First off, fill
out your FREE FAFSA form online
(you will need your 2012 tax forms).
FAFSA will determine what grants
and loans you qualify for. You may
have your schooling completely paid
for with grants! Filling out your
FAFSA form does not obligate you
to anything. It’s simply the federal
form to see what and how much
you qualify for. Scholarships are
also available from KCTCS (visit
their website) and through third
party companies. The most univer-
sal website for scholarship listings
is www.scholarships.com. The web-
site is free. All you have to do is fill
out a profile about yourself and a
list of scholarships you may be eli-
gible for will show up based on your
answers. (Did you know there are
scholarships for people who are left-
handed?!) Most people that attend
school pay for it with financial aid.
Programs at KCTCS
Online
Associate in Arts (general)
Associate in Science (general)
Associate in Applied Science in:
Business Administration
Criminal Justice
General Occupational/
Technical Studies
Health Information
Technology
Information Management
and Design
Computer & Information
Technologies
Quality Management
Systems
Medical Information
Technology
Office Systems
Technology
Logistics & Operation
Management
Marine Technology
(All programs are accredited.)
Page 2 The Dish
Imagine yourself
here.
Ready to start?
Yes, you are!
www.kyvc.org
or
www.kctcs.edu/Students/
Distance_Learning.aspx

3. ANNIVERSARIES
5/2—Joseph Taylor (LV) 2 years;
LaDonna Rogers (LV) 6 years
5/4—Jason Mann (CAMP) 4 years
5/5—Dzalic Aljo (LV) 2 years; Kevin King
(LV) 8 years; Roger McCauley (Sburg) 2
years
5/7—John Hampton (CAMP) 3 years
5/8—Joey Austin (LON) 7 years!!!
5/10—Idriz Musanovic (LV) 6 years
5/19—Donald Pettit (MOR) 9 YEARS!!!!
(Holy moly!!); Michael Deheer (SSI) 2
years; Thomas Hooper (EDDY) 1 year
5/23—Therese Culver (LV) 5 years
5/24—Latina Griffin (LV) 1 year
5/27—Bill Sorenson (LV) 3 years
Page 3
Sun Mon Tue Wed Thu Fri Sat
1 Brian Barker
(MOR); Sukhjit
Sandhu (SSI)
2 Scotty
Goley (LON)
3 4
5 Daniel
Reyes (SSI)
6 7 8 9 Jonatan
Cisneros Rod-
riguez (LV)
10 11
12 13 14 15 Clemon
Page (SSI); Steve
Parks (EDDY)
16 17 Chris
Appelman
(FLO)
18
19 20 Nathan
Singleton
(FLO)
21 Quilley
McDonald
(CAMP)
22 Luke
Miller (SSI)
Jeff Strausbaugh
(SSI); Jeff
Hoagland
(EDDY); Kasey
Hartlauf (LV)
24 Kenan
Alihodzic
(LV)
25
26 Charlie
Martin (Sburg);
Jeremy Spaulding
(EDDY)
27 Todd
Young
(EDDY)
28 Thomas
Miller (MOR)
29 30 31 Christo-
pher Davis and
Cory Hopper
(EDDY)
May 2013 Birthdays!!
ANNIVERSARIES
5/2—Joseph Taylor (LV) 2 years;
LaDonna Rogers (LV) 6 years
5/4—Jason Mann (CAMP) 4 years
5/5—Dzalic Aljo (LV) 2 years; Kevin
King (LV) 8 years; Roger McCauley
(Sburg) 2 years
5/7—John Hampton (CAMP) 3 years
5/8—Joey Austin (LON) 7 years!!!
5/10—Idriz Musanovic (LV) 6 years
5/19—Donald Pettit (MOR) 9 YEARS!!!!
(Holy moly!!); Michael Deheer (SSI) 2
years; Thomas Hooper (EDDY) 1 year
5/23—Therese Culver (LV) 5 years
5/24—Latina Griffin (LV) 1 year
5/27—Bill Sorenson (LV) 3 years
Jesse Hoagland (EDDY) * Gerald Nel-
son (LV) * Jonatan Cisneros Rodriguez
(LV) * Jamie Noble (LON) * Clemon
Page (SSI) * Nicholas Emmons
(Sburg) * PJ Larkin (Sburg) * Jamison
Jackson (Pburg) * Daniel Reed (LV) *
Gleicys Machado (LV) * Pamela Ash
(LV) * Ryan Smith (LV) * Charles Ger-
ren (Sburg) * David Montgomery (LV)
* Beau Branham (Pburg) * Branden
Dobbs (SSI) * Amy Williamson (Pburg)
* Barbara Jones (LV) * Justin Benning-
field (CAMP) * Devin Mustard (SSI)
We’re growing!! Welcome,newbies!!

4. said Jaime Fall, vice president of
the HR Policy Association. “The
interview is still a traditional envi-
ronment.” Fall and other HR ex-
ecutives say quirks are displayed
by about one in five grads,
prompting recruiters to rule out
otherwise qualified
candidates for en-
try-level positions.
The trend reflects a
generation of mil-
lennials—ranging
from 18 to 34—
who grew up tex-
ting and using
smartphones and
social media, said
Mara Swan, ex-
ecutive vice
president of staff-
New college graduates soon enter-
ing the job market could be facing
another hurdle besides high un-
employment and a sluggish econ-
omy. Hiring managers say many
perform poorly—sometimes even
bizarrely—in job interviews.
Human resource
professionals say
they’ve seen college
grads text or take
calls in interviews,
dress inappropri-
ately, use slang or
overly casual lan-
guage and exhibit
odd behavior. “It’s
behavior that may
be completely ap-
propriate outside
the interview,”
ing firm Manpower. “Life has got-
ten more casual. They don’t real-
ize (the interview) is a sales event.”
About half of HR executives say
most grads are not professional
during their first year on the job,
up from 40 percent who had that
view in 2012, according to a sur-
vey by the Center for Professional
Excellence at York College of
Pennsylvania.
By Paul Davidson
USA Today
(This article originally appeared in
the Courier-Journal, Louisville, on
May 3rd, 2013.)
Are YOU professional?
Do you know how to be presentable?
From the Call Center:
“Congratulations to
Winston Keene who just
graduated with his
Bachelors degree from
Sullivan University!!”
Also:
“Congratulations to
Chantel Henry for
graduating this month!”
From the LV Management Team:
“Thank you to the Sburg office for
their outstanding performance over
the past few months. They set and
surpass the standards every month,
and they are greatly appreciated.”
Know someone that would be a great tech?
Have them send their resume to:
Resumes@hpts.tv
TTTTHINK YOU CAN’T AFFORD HEALTH INSURANCE?HINK YOU CAN’T AFFORD HEALTH INSURANCE?HINK YOU CAN’T AFFORD HEALTH INSURANCE?HINK YOU CAN’T AFFORD HEALTH INSURANCE? One of our Call Center Leads asked us
about health insurance. Her son needed it, but she could not afford the plan through us for both she
and her son. Furthermore, she was on a deadline of 30 days before her son’s government plan ex-
pired. We directed her to a wonderful website called eHealthInsurance.com where she was able to
get a family plan for she and her son with an affordable deductible for only $200 a month
(nearly the same as she was paying for just herself). Give the website a try; see what you can get!
BIG congrats to the FLOBIG congrats to the FLOBIG congrats to the FLOBIG congrats to the FLO
office for the longestoffice for the longestoffice for the longestoffice for the longest
stretch so far in safety!stretch so far in safety!stretch so far in safety!stretch so far in safety!