DID YOU KNOW?
1 in 7 adults in their 70s will still be paying off their mortgage. Your mortgage payment should not exceed 28% of your income before taxes.
Filing for bankruptcy can provide relief from financial stress caused by factors like job loss, illness, divorce or poor money management that result in living paycheck to paycheck and constant late or missed bill payments. Some benefits of filing include gaining back control over one's lifestyle by restructuring secured debt and advancing bill payments to avoid harassment from creditors on mortgages, auto loans and credit cards. A Houston law firm specializes in bankruptcy and commits to sincerely fighting for clients who need help managing financial problems through the bankruptcy process.
This document discusses how credit scores affect various financial costs and rates. It shows that people with lower credit scores typically pay higher interest rates for loans and credit cards. For example, on a $20,000 auto loan, someone with a credit score of 660 would pay $22,824 over the life of the loan compared to $21,708 for someone with a score of 760. Similarly, someone with a credit card balance of $10,000 and a poor credit score would pay around $600 more in annual interest compared to someone with good credit. The document also indicates that most insurance companies use credit scores in their underwriting process, and those with lower scores typically pay higher insurance premiums.
This document provides five steps to becoming debt-free: 1) Learn your current financial situation by reviewing credit reports and understanding your credit score. 2) Create a realistic budget that allocates at least 10% of income to debt payments. 3) Talk to lenders about lowering interest rates or refinancing loans. 4) Look for ways to reduce discretionary spending through small lifestyle changes. 5) Prioritize paying off debts from most to least valuable assets, focusing on high-interest debts first. The overall goal is to eliminate debt payments and interest expenses to free up cash flow.
This document compares annuity certificates and bank certificates. It states that annuity certificates offer faster growth than bank certificates due to tax-deferred interest that compounds over time. An example shows $100,000 growing to $179,085 in 10 years with an annuity certificate compared to $146,607 with a bank certificate. It also argues that annuity certificates are safer investments than bank certificates because they are regulated by state insurance departments and have guaranty funds to protect deposits. The document strongly recommends annuity certificates over bank certificates for their investment returns and safety.
The document provides information on housing assistance programs offered by the Choctaw Nation of Oklahoma, including rental assistance, home finance assistance, mutual help housing development, and affordable rental and elderly housing. It summarizes each program's eligibility requirements and funding sources. Contact information is provided for each housing program director and local site contacts.
Ventura County Real Estate Update - Summer 2013John Wise
Real estate values have sharply increased in Ventura County primarily due to low housing supply. Factors driving the increase include high investor demand from large firms and groups as well as all-time low interest rates and pent-up demand. However, the increases may not continue indefinitely as factors like reduced investor demand, higher interest rates, and job growth could influence values going forward.
This document contains a debt paydown plan showing the user's current debts, including balances and minimum payments. It recommends using the snowball method, where the user pays minimums on all debts but targets the lowest balance first while putting extra payments towards it. By paying an extra $200 per month and following this plan, the user can be debt free by September 2026, saving over $12,000 and paying off debts 2 years and 4 months earlier. However, information is missing for one account so it is excluded from the plan for now.
Learn about the top 5 trends and twists all financial services companies should be monitoring and embracing in 2017. From the transition to a Trump presidency to digital credit marketing to threats of fraud as the result of loan stacking, dig into the details here.
Filing for bankruptcy can provide relief from financial stress caused by factors like job loss, illness, divorce or poor money management that result in living paycheck to paycheck and constant late or missed bill payments. Some benefits of filing include gaining back control over one's lifestyle by restructuring secured debt and advancing bill payments to avoid harassment from creditors on mortgages, auto loans and credit cards. A Houston law firm specializes in bankruptcy and commits to sincerely fighting for clients who need help managing financial problems through the bankruptcy process.
This document discusses how credit scores affect various financial costs and rates. It shows that people with lower credit scores typically pay higher interest rates for loans and credit cards. For example, on a $20,000 auto loan, someone with a credit score of 660 would pay $22,824 over the life of the loan compared to $21,708 for someone with a score of 760. Similarly, someone with a credit card balance of $10,000 and a poor credit score would pay around $600 more in annual interest compared to someone with good credit. The document also indicates that most insurance companies use credit scores in their underwriting process, and those with lower scores typically pay higher insurance premiums.
This document provides five steps to becoming debt-free: 1) Learn your current financial situation by reviewing credit reports and understanding your credit score. 2) Create a realistic budget that allocates at least 10% of income to debt payments. 3) Talk to lenders about lowering interest rates or refinancing loans. 4) Look for ways to reduce discretionary spending through small lifestyle changes. 5) Prioritize paying off debts from most to least valuable assets, focusing on high-interest debts first. The overall goal is to eliminate debt payments and interest expenses to free up cash flow.
This document compares annuity certificates and bank certificates. It states that annuity certificates offer faster growth than bank certificates due to tax-deferred interest that compounds over time. An example shows $100,000 growing to $179,085 in 10 years with an annuity certificate compared to $146,607 with a bank certificate. It also argues that annuity certificates are safer investments than bank certificates because they are regulated by state insurance departments and have guaranty funds to protect deposits. The document strongly recommends annuity certificates over bank certificates for their investment returns and safety.
The document provides information on housing assistance programs offered by the Choctaw Nation of Oklahoma, including rental assistance, home finance assistance, mutual help housing development, and affordable rental and elderly housing. It summarizes each program's eligibility requirements and funding sources. Contact information is provided for each housing program director and local site contacts.
Ventura County Real Estate Update - Summer 2013John Wise
Real estate values have sharply increased in Ventura County primarily due to low housing supply. Factors driving the increase include high investor demand from large firms and groups as well as all-time low interest rates and pent-up demand. However, the increases may not continue indefinitely as factors like reduced investor demand, higher interest rates, and job growth could influence values going forward.
This document contains a debt paydown plan showing the user's current debts, including balances and minimum payments. It recommends using the snowball method, where the user pays minimums on all debts but targets the lowest balance first while putting extra payments towards it. By paying an extra $200 per month and following this plan, the user can be debt free by September 2026, saving over $12,000 and paying off debts 2 years and 4 months earlier. However, information is missing for one account so it is excluded from the plan for now.
Learn about the top 5 trends and twists all financial services companies should be monitoring and embracing in 2017. From the transition to a Trump presidency to digital credit marketing to threats of fraud as the result of loan stacking, dig into the details here.
South Shore Mortgage Inc. is a mortgage lender located in Massachusetts and regulated by state laws. The company is led by Mary Hackett and can be contacted by phone, website, or email for mortgage related services. While South Shore Mortgage aims to provide up-to-date information, it does not provide legal or professional advice and cannot guarantee complete accuracy of all details provided.
Give by Cell - 2011 Nonprofit Resource Center presentationguidebycell
Mobile giving allows donors to make contributions by texting keywords to short codes linked to non-profit organizations. Popular methods include text-to-give campaigns where a $5 or $10 donation is charged to the donor's phone bill, or text-to-pledge campaigns followed by collection calls. Younger donors aged 14-35 are most likely to participate. Live events, especially those hosted by celebrities, tend to be the most successful campaigns. Organizations must meet eligibility requirements to partner with mobile giving platforms and receive donations.
NPR aimed to create a more informed public about the economic crisis through objective and understandable journalism. Early coverage lacked necessary context and specificity. Later coverage improved by asking questions to increase understanding, clearly explaining the crisis and government response, and analyzing affected industries. Coverage became most effective when using engaging stories and metaphors to illuminate complex economic issues for average citizens.
It is important for consumers to stay informed as details of the settlement become known. Because of the complexity of the mortgage market and the mortgage settlement agreement, it is not possible to know immediately if a borrower will be eligible for relief. The Attorney General's office will post updates for consumers on the Attorney General’s website. For specific questions contact the Missouri Attorney General’s Mortgage Settlement Hotline at 855-870-7676.
Register with the Attorney General’s Office to receive important updates.
The document discusses credit scores and how to improve them. It notes that the three major credit bureaus are Experian, TransUnion, and Equifax, and that creditors do not always report to all three. It then provides statistics on average credit scores by state, and explains the factors that affect credit scores, such as payment history, credit utilization, length of credit history, and types of accounts. The document offers advice on reviewing credit reports annually and maintaining low credit card balances to improve credit scores over time. It also advertises credit repair services from the company I Clean Ugly Credit.
I am sure You Didn’t Know About these 5 Credit Card Facts
Instructions to Lower Interest Rates on Credit Cards
More than 167 million American grown-ups have no less than one Visa. That is 70% of all buyers managing month to month charge card bills and diverse Visa benefits, expenses, loan fees, and reward programs. Charge cards have turned into a piece of the vast majority of our ways of life. However, when and why did we as a whole begin paying with plastic? Here are 5 truths that assistance clarify why and how Visas have come to assume such a critical part in our lives today.
1. American Express Was the First Plastic Credit Card
American Express begun as an expedited delivery business in 1850, however extended to a money related administration super organization by the mid twentieth century. Cafes Club had really presented their Mastercard (travel and excitement card) years before American Express and charged a $5 yearly expense. American Express propelled their form of the Visa in 1958, however charged a $6 yearly expense to look after eliteness. The paper card highlighted a purple ink plan that looked like their explorers checks. After a year, they began to change over their cards to plastic. Burger joints Club went with the same pattern in 1961 and, from there on, the Mastercard was plastic.
यह भी पढ़ें :- घर में बनाये जिंजर लेमन बीयर और दूर करे कैंसर और गठिया जैसी खतरनाक बीमारियों को
यह भी पढ़ें :- जानिये अगर कुछ दिन नमक न खाए तो इसका सेहत पर क्या असर पड़ेगा
2. Christmas Thieves Prompted Government Credit Card Regulation
Bank Mastercards had not been famous in the 1960s, along these lines, in a joint exertion, the city's banks had sent a large number of spontaneous charge cards to homes in and around Chicago without a moment to spare for Christmas shopping in 1966. Not at all like Mastercards conveyed today, every one of the cards were at that point dynamic and did not require anything other than rather a mark at buy to utilize. Crooks crosswise over Chicago stole a large number of bank Mastercards from the mail station and the letter drops of multifamily homes and flats. They charged a huge number of dollars on the stolen cards at retailers over the city. Chicago banks lost an expected $6 to $12 million dollars ($43 to $85 million today) in fake Christmas shopping buys.
Lake Michigan Credit Union had $2.7 billion in assets in 2015. It has received high ratings for financial stability and strength. The credit union has over 305,000 members and offers banking, mortgages, investments, lending and insurance services through 36 branches, 100 ATMs, and online and mobile banking. It is the number one mortgage lender in Michigan.
ACCION USA provides affordable microloans to low- and moderate-income entrepreneurs who cannot access traditional bank loans. There is a need for microloans in the US as 40 million households have limited access to banks, 28 million are unbanked, and 10 million microbusinesses struggle to get capital from traditional sources. ACCION USA has lent over $115 million since 1991, helping create over 11,500 jobs and increasing borrowers' annual incomes by a median of $4,500.
The document is a survey report from Experian on summer travel trends in June 2014. Some key findings include:
1) The majority of travelers bring licenses and credit/debit cards when traveling but leave documents like passports and social security cards behind.
2) Nearly all travelers carry credit or debit cards when traveling, but less than half know their liability limits if the cards are lost or stolen.
3) Most review credit and bank statements after trips for fraud but take fewer precautions before and during trips like notifying card providers of travel plans.
4) Nearly 1 in 5 travelers have had items with sensitive information lost or stolen, and 1 in 10 have experienced identity theft while traveling.
JT Bramlette Interview in Personal Real Estate Investor MagazineJames Bramlette
JT Bramlette was interviewed by Andrew Waite of Personal Real Estate Investor Magazine in the June 2010 edition. JT Bramlette discusses his past investment strategies and his current project, Melrose on the Beach.
U.S. Banks Still Lend Selectively Since the Great RecessionMaxim Berger
This document discusses lending trends for commercial and industrial loans by U.S. banks since the Great Recession. It finds that while large loan volumes (greater than $1 million) have recovered to pre-recession levels and exceeded 2008 peaks, small loan volumes (less than $1 million) have not recovered and remain below 2008 levels. In particular, loans under $100,000, between $100,000-$250,000, and between $250,000-$1 million are down 4%, 12%, and 8% respectively compared to 2008. The document also notes that small businesses have increasingly turned to alternative lending sources like online lenders as bank lending remains constrained, especially for smaller loan amounts.
Causes and Consequences: The role of household debt in 21st Century BritainResolutionFoundation
This document discusses household debt levels in the UK and reasons to be both fearful and cheerful about rising interest rates. While total debt is high at nearly £1.9 trillion, debt servicing ratios are low due to cheap rates. However, significant numbers of households are already in debt distress, and lower income families are most at risk. Even modest rate rises could cause servicing costs to spike for many. Policymakers must tread carefully, as 275,000 households may have difficulty insulating themselves from rate changes. More support may be needed for those vulnerable to suffering financial difficulties if rates rise substantially.
ACCION USA provides affordable microloans to low- and moderate-income entrepreneurs in the United States who lack access to traditional bank loans. It has lent over $115 million since 1991, helping around 18,600 borrowers. On average, each borrower creates 2 new jobs and their business survival rate is over 90%. ACCION USA tailors its services to meet the needs of entrepreneurs operating in the formal U.S. economy, providing financial education and underwriting loans to help borrowers build credit.
The document summarizes key trends in the Colorado banking environment over the past 5 years and provides projections for 2014. Specifically, it notes that from 2008-2013:
- The number of bank branches in Colorado decreased 1.2% annually on average while deposits per branch grew 6.2% per year
- Most M&A activity involved smaller Colorado banks under $100M in assets
For 2014, it predicts continued consolidation in the industry, loan growth, higher compliance costs, further branch closures, and advancing technology.
Mortgage Fraud: A Description and Community Research ResultsAndy Carswell
The following presentation highlights a white-collar crime activity that has flourished within American neighborhoods since the late 1990s and early 2000s. The slide show not only provides a description of mortgage fraud, but also highlights some of the academic research findings by the author over the past five years.
The document discusses the foreclosure crisis in the United States and provides information about SidCo Property Solutions, a company that offers foreclosure assistance. Nearly 1 in 10 American homeowners faced foreclosure or fell behind on mortgage payments in early 2022. SidCo's mission is to minimize foreclosures and ensure stable neighborhoods. They offer services like loan modifications, repayment plans, and lender negotiations to help homeowners get back on track financially and stay in their homes.
The document discusses Kiva, the world's first person-to-person lending platform that allows individuals to lend as little as $1 to help people like Pedro, a borrower who needs $825 to repair his car. Kiva has raised $289 million in loans across 61 countries, with a 98.91% repayment rate, empowering borrowers to run businesses, support families, and overcome poverty through access to financial services. The process involves a lender providing funds to Kiva, which sends it to a field partner who disburses the loan, with the borrower repaying it back.
All about credit unions and banking servicesMarie Mana
Credit unions are member-owned, not-for-profit cooperatives that offer similar services to banks such as savings and checking accounts, loans, credit cards and more. The key differences are that credit unions have lower fees and rates that are returned to members as dividends. Members can access their accounts through online banking, mobile apps, ATMs and shared branch locations across the country. To join a credit union, a person must qualify through an employer, community, or organization. The document provides an overview of credit union services and benefits compared to banks.
Dokumen tersebut membahas tentang teknologi informasi dan komunikasi khususnya mengenai dasar-dasar penggunaan internet. Dibahas mengenai perangkat keras, cara koneksi, dan fasilitas yang tersedia di internet.
The passage discusses the importance of summarization in an age of information overload. It notes that with the massive amounts of online information available, being able to quickly understand the key points of documents is crucial. The ability to produce concise yet informative summaries can help people navigate large amounts of data and focus on only the most essential details.
Continuous Delivery med Tutum och Docker i molnet.
Code Night #4 - 2016-02-11
Om man vill ställa om en befintlig utvecklingsverksamhet till Continuous Delivery gör man klokt i att införa förändringen stegvis, i en kontinuerlig förbättringsprocess. Det ger de bästa chanserna att lyckas. Men det är normalt en lång process eftersom många människor är inblandade och att vi under tiden måste upprätthålla leveranser till produktion.
Men, om vi för ett ögonblick drömmer oss bort och tänker bort ärvda system, stela driftsmiljöer och obsoleta rutiner och istället bara gör som man verkligen skulle vilja göra, från scratch, nu 2016, hur skulle man göra då?
Vi har gjort precis det!
Denna kväll tar vi med oss er på en resa hur man idag kan bygga en systemproduktionslina baserad på Docker, Tutum, GoCD och Amazon EC2, från källkodsrepo till produktionsmiljö. Vi går igenom hur det är uppbyggt och fungerar och hur man arbetar med det. Vi kommer att arbeta med pipelinen och ett enkelt målsystem.
Vår story baseras på utvecklingsresan med http://www.welcomeapp.se hösten 2015 där vi på kort tid tog vi fram frontendsystem, backendsystem med klustring, lastbalansering, backup, MQ och webbsajt samt flera pipelines.
Föreläsare:
Daniel Marell och Kristoffer Vidmo - Continuous Delivery evangelister på C.A.G.
Både Daniel och Kristoffer har gedigna bakgrunder som arkitekter och utvecklare och fokuserar idag på metoder och verktyg för att hjälpa kunder att implementera Continuous Delivery.
South Shore Mortgage Inc. is a mortgage lender located in Massachusetts and regulated by state laws. The company is led by Mary Hackett and can be contacted by phone, website, or email for mortgage related services. While South Shore Mortgage aims to provide up-to-date information, it does not provide legal or professional advice and cannot guarantee complete accuracy of all details provided.
Give by Cell - 2011 Nonprofit Resource Center presentationguidebycell
Mobile giving allows donors to make contributions by texting keywords to short codes linked to non-profit organizations. Popular methods include text-to-give campaigns where a $5 or $10 donation is charged to the donor's phone bill, or text-to-pledge campaigns followed by collection calls. Younger donors aged 14-35 are most likely to participate. Live events, especially those hosted by celebrities, tend to be the most successful campaigns. Organizations must meet eligibility requirements to partner with mobile giving platforms and receive donations.
NPR aimed to create a more informed public about the economic crisis through objective and understandable journalism. Early coverage lacked necessary context and specificity. Later coverage improved by asking questions to increase understanding, clearly explaining the crisis and government response, and analyzing affected industries. Coverage became most effective when using engaging stories and metaphors to illuminate complex economic issues for average citizens.
It is important for consumers to stay informed as details of the settlement become known. Because of the complexity of the mortgage market and the mortgage settlement agreement, it is not possible to know immediately if a borrower will be eligible for relief. The Attorney General's office will post updates for consumers on the Attorney General’s website. For specific questions contact the Missouri Attorney General’s Mortgage Settlement Hotline at 855-870-7676.
Register with the Attorney General’s Office to receive important updates.
The document discusses credit scores and how to improve them. It notes that the three major credit bureaus are Experian, TransUnion, and Equifax, and that creditors do not always report to all three. It then provides statistics on average credit scores by state, and explains the factors that affect credit scores, such as payment history, credit utilization, length of credit history, and types of accounts. The document offers advice on reviewing credit reports annually and maintaining low credit card balances to improve credit scores over time. It also advertises credit repair services from the company I Clean Ugly Credit.
I am sure You Didn’t Know About these 5 Credit Card Facts
Instructions to Lower Interest Rates on Credit Cards
More than 167 million American grown-ups have no less than one Visa. That is 70% of all buyers managing month to month charge card bills and diverse Visa benefits, expenses, loan fees, and reward programs. Charge cards have turned into a piece of the vast majority of our ways of life. However, when and why did we as a whole begin paying with plastic? Here are 5 truths that assistance clarify why and how Visas have come to assume such a critical part in our lives today.
1. American Express Was the First Plastic Credit Card
American Express begun as an expedited delivery business in 1850, however extended to a money related administration super organization by the mid twentieth century. Cafes Club had really presented their Mastercard (travel and excitement card) years before American Express and charged a $5 yearly expense. American Express propelled their form of the Visa in 1958, however charged a $6 yearly expense to look after eliteness. The paper card highlighted a purple ink plan that looked like their explorers checks. After a year, they began to change over their cards to plastic. Burger joints Club went with the same pattern in 1961 and, from there on, the Mastercard was plastic.
यह भी पढ़ें :- घर में बनाये जिंजर लेमन बीयर और दूर करे कैंसर और गठिया जैसी खतरनाक बीमारियों को
यह भी पढ़ें :- जानिये अगर कुछ दिन नमक न खाए तो इसका सेहत पर क्या असर पड़ेगा
2. Christmas Thieves Prompted Government Credit Card Regulation
Bank Mastercards had not been famous in the 1960s, along these lines, in a joint exertion, the city's banks had sent a large number of spontaneous charge cards to homes in and around Chicago without a moment to spare for Christmas shopping in 1966. Not at all like Mastercards conveyed today, every one of the cards were at that point dynamic and did not require anything other than rather a mark at buy to utilize. Crooks crosswise over Chicago stole a large number of bank Mastercards from the mail station and the letter drops of multifamily homes and flats. They charged a huge number of dollars on the stolen cards at retailers over the city. Chicago banks lost an expected $6 to $12 million dollars ($43 to $85 million today) in fake Christmas shopping buys.
Lake Michigan Credit Union had $2.7 billion in assets in 2015. It has received high ratings for financial stability and strength. The credit union has over 305,000 members and offers banking, mortgages, investments, lending and insurance services through 36 branches, 100 ATMs, and online and mobile banking. It is the number one mortgage lender in Michigan.
ACCION USA provides affordable microloans to low- and moderate-income entrepreneurs who cannot access traditional bank loans. There is a need for microloans in the US as 40 million households have limited access to banks, 28 million are unbanked, and 10 million microbusinesses struggle to get capital from traditional sources. ACCION USA has lent over $115 million since 1991, helping create over 11,500 jobs and increasing borrowers' annual incomes by a median of $4,500.
The document is a survey report from Experian on summer travel trends in June 2014. Some key findings include:
1) The majority of travelers bring licenses and credit/debit cards when traveling but leave documents like passports and social security cards behind.
2) Nearly all travelers carry credit or debit cards when traveling, but less than half know their liability limits if the cards are lost or stolen.
3) Most review credit and bank statements after trips for fraud but take fewer precautions before and during trips like notifying card providers of travel plans.
4) Nearly 1 in 5 travelers have had items with sensitive information lost or stolen, and 1 in 10 have experienced identity theft while traveling.
JT Bramlette Interview in Personal Real Estate Investor MagazineJames Bramlette
JT Bramlette was interviewed by Andrew Waite of Personal Real Estate Investor Magazine in the June 2010 edition. JT Bramlette discusses his past investment strategies and his current project, Melrose on the Beach.
U.S. Banks Still Lend Selectively Since the Great RecessionMaxim Berger
This document discusses lending trends for commercial and industrial loans by U.S. banks since the Great Recession. It finds that while large loan volumes (greater than $1 million) have recovered to pre-recession levels and exceeded 2008 peaks, small loan volumes (less than $1 million) have not recovered and remain below 2008 levels. In particular, loans under $100,000, between $100,000-$250,000, and between $250,000-$1 million are down 4%, 12%, and 8% respectively compared to 2008. The document also notes that small businesses have increasingly turned to alternative lending sources like online lenders as bank lending remains constrained, especially for smaller loan amounts.
Causes and Consequences: The role of household debt in 21st Century BritainResolutionFoundation
This document discusses household debt levels in the UK and reasons to be both fearful and cheerful about rising interest rates. While total debt is high at nearly £1.9 trillion, debt servicing ratios are low due to cheap rates. However, significant numbers of households are already in debt distress, and lower income families are most at risk. Even modest rate rises could cause servicing costs to spike for many. Policymakers must tread carefully, as 275,000 households may have difficulty insulating themselves from rate changes. More support may be needed for those vulnerable to suffering financial difficulties if rates rise substantially.
ACCION USA provides affordable microloans to low- and moderate-income entrepreneurs in the United States who lack access to traditional bank loans. It has lent over $115 million since 1991, helping around 18,600 borrowers. On average, each borrower creates 2 new jobs and their business survival rate is over 90%. ACCION USA tailors its services to meet the needs of entrepreneurs operating in the formal U.S. economy, providing financial education and underwriting loans to help borrowers build credit.
The document summarizes key trends in the Colorado banking environment over the past 5 years and provides projections for 2014. Specifically, it notes that from 2008-2013:
- The number of bank branches in Colorado decreased 1.2% annually on average while deposits per branch grew 6.2% per year
- Most M&A activity involved smaller Colorado banks under $100M in assets
For 2014, it predicts continued consolidation in the industry, loan growth, higher compliance costs, further branch closures, and advancing technology.
Mortgage Fraud: A Description and Community Research ResultsAndy Carswell
The following presentation highlights a white-collar crime activity that has flourished within American neighborhoods since the late 1990s and early 2000s. The slide show not only provides a description of mortgage fraud, but also highlights some of the academic research findings by the author over the past five years.
The document discusses the foreclosure crisis in the United States and provides information about SidCo Property Solutions, a company that offers foreclosure assistance. Nearly 1 in 10 American homeowners faced foreclosure or fell behind on mortgage payments in early 2022. SidCo's mission is to minimize foreclosures and ensure stable neighborhoods. They offer services like loan modifications, repayment plans, and lender negotiations to help homeowners get back on track financially and stay in their homes.
The document discusses Kiva, the world's first person-to-person lending platform that allows individuals to lend as little as $1 to help people like Pedro, a borrower who needs $825 to repair his car. Kiva has raised $289 million in loans across 61 countries, with a 98.91% repayment rate, empowering borrowers to run businesses, support families, and overcome poverty through access to financial services. The process involves a lender providing funds to Kiva, which sends it to a field partner who disburses the loan, with the borrower repaying it back.
All about credit unions and banking servicesMarie Mana
Credit unions are member-owned, not-for-profit cooperatives that offer similar services to banks such as savings and checking accounts, loans, credit cards and more. The key differences are that credit unions have lower fees and rates that are returned to members as dividends. Members can access their accounts through online banking, mobile apps, ATMs and shared branch locations across the country. To join a credit union, a person must qualify through an employer, community, or organization. The document provides an overview of credit union services and benefits compared to banks.
Dokumen tersebut membahas tentang teknologi informasi dan komunikasi khususnya mengenai dasar-dasar penggunaan internet. Dibahas mengenai perangkat keras, cara koneksi, dan fasilitas yang tersedia di internet.
The passage discusses the importance of summarization in an age of information overload. It notes that with the massive amounts of online information available, being able to quickly understand the key points of documents is crucial. The ability to produce concise yet informative summaries can help people navigate large amounts of data and focus on only the most essential details.
Continuous Delivery med Tutum och Docker i molnet.
Code Night #4 - 2016-02-11
Om man vill ställa om en befintlig utvecklingsverksamhet till Continuous Delivery gör man klokt i att införa förändringen stegvis, i en kontinuerlig förbättringsprocess. Det ger de bästa chanserna att lyckas. Men det är normalt en lång process eftersom många människor är inblandade och att vi under tiden måste upprätthålla leveranser till produktion.
Men, om vi för ett ögonblick drömmer oss bort och tänker bort ärvda system, stela driftsmiljöer och obsoleta rutiner och istället bara gör som man verkligen skulle vilja göra, från scratch, nu 2016, hur skulle man göra då?
Vi har gjort precis det!
Denna kväll tar vi med oss er på en resa hur man idag kan bygga en systemproduktionslina baserad på Docker, Tutum, GoCD och Amazon EC2, från källkodsrepo till produktionsmiljö. Vi går igenom hur det är uppbyggt och fungerar och hur man arbetar med det. Vi kommer att arbeta med pipelinen och ett enkelt målsystem.
Vår story baseras på utvecklingsresan med http://www.welcomeapp.se hösten 2015 där vi på kort tid tog vi fram frontendsystem, backendsystem med klustring, lastbalansering, backup, MQ och webbsajt samt flera pipelines.
Föreläsare:
Daniel Marell och Kristoffer Vidmo - Continuous Delivery evangelister på C.A.G.
Både Daniel och Kristoffer har gedigna bakgrunder som arkitekter och utvecklare och fokuserar idag på metoder och verktyg för att hjälpa kunder att implementera Continuous Delivery.
Alverne Z. Bush has over 30 years of experience in administrative roles and customer service. She has a proven track record of strong attention to detail, exemplary customer service, and managing projects and events for large groups. Her background includes roles in radio broadcasting, call centers, healthcare administration, and advertising.
This document provides biographical information on Theresa Swift-Scanlan, including her education, positions, honors, and contributions to science. It summarizes that she has developed a research program in molecular markers for complex illnesses like breast cancer and bipolar disorder. Her work has resulted in over 30 high impact publications and she has received funding from NIH and foundations. Her goal is to understand how genetic and epigenetic markers can guide prevention and treatment to improve health outcomes.
The document outlines the key steps and requirements to obtain a passport in India, including submitting the application form with photo and fees, providing proof of identity and address, and attending an in-person interview. Applicants must submit necessary documents like birth certificate and address proof, as well as meet eligibility criteria such as being an Indian citizen. The passport office reviews applications and if approved will mail the passport to provided address within 4-6 weeks.
Este documento resume la Ley para la Regularización y Control de los Arrendamientos Inmobiliarios en Venezuela. Establece que la ley regula los arrendamientos de viviendas y locales comerciales en todo el país, con el objetivo de garantizar el derecho a la vivienda. Crea una Dirección Nacional de Inquilinato para supervisar el cumplimiento de la ley y establece sanciones para los arrendadores que incumplan sus obligaciones.
This document provides an overview of e-commerce and related topics. It defines electronic commerce as trading in products or services using computer networks like the Internet. It discusses online shopping, payment systems, online marketplaces, business to business and business to consumer transactions, electronic data interchange, using demographic data for marketing, launching new products, and various e-commerce applications and technologies. It also provides advantages and disadvantages of online shopping.
Este documento propone una ley para cambiar la categoría jurídica de los animales domésticos en Argentina, reconociéndolos como sujetos de derechos y no como cosas. La ley establecería obligaciones para los dueños de animales, prohibiría actos de crueldad, y sancionaría delitos como el maltrato o abandono animal. El objetivo es brindar mayor protección a los animales domésticos en la legislación argentina.
This document discusses various topics related to personal development, leadership, and management. It covers finding the right balance between management and leadership, self-awareness through personality tests and understanding one's values and brand. It also discusses receiving and giving feedback, reflecting on life experiences, transactional analysis of relationships, making decisions and managing change, motivating teams, assertive and empathetic communication, and group decision making processes. The overall focus is on key principles and models for personal and professional growth.
Este documento propone una ley para cambiar la categoría jurídica de los animales domésticos en Argentina, reconociéndolos como "seres sintientes" y "sujetos de derechos no humanos". La ley establecería obligaciones para los dueños de animales, prohibiría actos de crueldad, y sancionaría conductas lesivas. El objetivo es brindar mayor protección legal a los animales domésticos.
La Comisión de Relaciones Exteriores y Culto de la Cámara de Diputados de Argentina consideró varios proyectos relacionados con el conflicto de soberanía sobre las Islas Malvinas con el Reino Unido. La comisión recomendó aprobar una declaración que reafirma la soberanía argentina sobre las Islas Malvinas, Georgias del Sur y Sandwich del Sur, y los espacios marítimos circundantes, en respuesta a posibles medidas conjuntas entre Argentina y el Reino Unido sobre pesca, hidrocarburos y cooperación
Educating The Consumer Public Forum Shared Pp 112608 Slide Show View Onlypjparke
This document provides information about credit reports and credit scores. It discusses how inaccurate credit reports can be, listing studies that found 20-79% of reports contain errors. These inaccuracies can significantly impact a person's credit score and interest rates. The document also outlines factors that affect credit scores, such as payment history, credit utilization, length of credit history, and types of credit used. It provides tips for maintaining good credit and improving credit scores.
This document promotes working at imortgage, describing it as a place where employees can thrive rather than just work. It states that at imortgage, employees have a whole world of support around them to help them be their best, they can focus on their strengths and trust their teammates, and anything needed is just a call away. The document encourages taking imortgage's word that it is a place where people can thrive in their work.
This document discusses real estate investment opportunities using a self-directed IRA (SDIRA). It notes that Austin is one of the fastest growing cities in the US with high job and income growth. A case study shows how purchasing a $175,000 single family home with a SDIRA loan could generate over $15,000 in net gains in the first year from cash flow and appreciation. SDIRA loans are non-recourse, so individual investors have no personal liability. Partnering an SDIRA purchase with SDIRA private lending from sources like North American Savings Bank is described as the "perfect marriage" for real estate investment.
This document summarizes a report on payday lending in Mississippi. It finds that over half of Mississippi households are liquid asset poor and many rely on predatory payday loans due to lack of emergency savings or access to bank loans. The average payday loan borrower in Mississippi takes out 9 loans and pays nearly 500% in interest and fees before paying off the original loan due to being trapped in a cycle of revolving debt. While attempts have been made to reform laws, the thriving payday lending industry remains due to support in the legislature. The report examines alternatives implemented in Arkansas and recommends increased access to affordable small loans and financial education as alternatives to predatory payday loans.
This document provides information and resources for libraries to offer financial literacy programs and materials to patrons. It defines financial literacy and discusses the importance of teaching financial responsibility. It then outlines various topics to cover, such as budgeting, banking, credit, loans, identity theft, and retirement planning. Finally, it lists additional resources and organizations that libraries can refer patrons to for more information.
The U.S. Small Business Administration honored 15 small business owners and leaders of small business support organizations with Champion Awards for their outstanding support of entrepreneurs. The awards were presented in Washington D.C. during National Small Business Week. Award winners came from several states and were recognized for achievements in areas like financial services, exporting, veteran-owned businesses, journalism, and more. Details on all winners can be found on the National Small Business Week website.
End-to-end pipeline agility - Berlin Buzzwords 2024Lars Albertsson
We describe how we achieve high change agility in data engineering by eliminating the fear of breaking downstream data pipelines through end-to-end pipeline testing, and by using schema metaprogramming to safely eliminate boilerplate involved in changes that affect whole pipelines.
A quick poll on agility in changing pipelines from end to end indicated a huge span in capabilities. For the question "How long time does it take for all downstream pipelines to be adapted to an upstream change," the median response was 6 months, but some respondents could do it in less than a day. When quantitative data engineering differences between the best and worst are measured, the span is often 100x-1000x, sometimes even more.
A long time ago, we suffered at Spotify from fear of changing pipelines due to not knowing what the impact might be downstream. We made plans for a technical solution to test pipelines end-to-end to mitigate that fear, but the effort failed for cultural reasons. We eventually solved this challenge, but in a different context. In this presentation we will describe how we test full pipelines effectively by manipulating workflow orchestration, which enables us to make changes in pipelines without fear of breaking downstream.
Making schema changes that affect many jobs also involves a lot of toil and boilerplate. Using schema-on-read mitigates some of it, but has drawbacks since it makes it more difficult to detect errors early. We will describe how we have rejected this tradeoff by applying schema metaprogramming, eliminating boilerplate but keeping the protection of static typing, thereby further improving agility to quickly modify data pipelines without fear.
Learn SQL from basic queries to Advance queriesmanishkhaire30
Dive into the world of data analysis with our comprehensive guide on mastering SQL! This presentation offers a practical approach to learning SQL, focusing on real-world applications and hands-on practice. Whether you're a beginner or looking to sharpen your skills, this guide provides the tools you need to extract, analyze, and interpret data effectively.
Key Highlights:
Foundations of SQL: Understand the basics of SQL, including data retrieval, filtering, and aggregation.
Advanced Queries: Learn to craft complex queries to uncover deep insights from your data.
Data Trends and Patterns: Discover how to identify and interpret trends and patterns in your datasets.
Practical Examples: Follow step-by-step examples to apply SQL techniques in real-world scenarios.
Actionable Insights: Gain the skills to derive actionable insights that drive informed decision-making.
Join us on this journey to enhance your data analysis capabilities and unlock the full potential of SQL. Perfect for data enthusiasts, analysts, and anyone eager to harness the power of data!
#DataAnalysis #SQL #LearningSQL #DataInsights #DataScience #Analytics
Beyond the Basics of A/B Tests: Highly Innovative Experimentation Tactics You...Aggregage
This webinar will explore cutting-edge, less familiar but powerful experimentation methodologies which address well-known limitations of standard A/B Testing. Designed for data and product leaders, this session aims to inspire the embrace of innovative approaches and provide insights into the frontiers of experimentation!
STATATHON: Unleashing the Power of Statistics in a 48-Hour Knowledge Extravag...sameer shah
"Join us for STATATHON, a dynamic 2-day event dedicated to exploring statistical knowledge and its real-world applications. From theory to practice, participants engage in intensive learning sessions, workshops, and challenges, fostering a deeper understanding of statistical methodologies and their significance in various fields."
ViewShift: Hassle-free Dynamic Policy Enforcement for Every Data LakeWalaa Eldin Moustafa
Dynamic policy enforcement is becoming an increasingly important topic in today’s world where data privacy and compliance is a top priority for companies, individuals, and regulators alike. In these slides, we discuss how LinkedIn implements a powerful dynamic policy enforcement engine, called ViewShift, and integrates it within its data lake. We show the query engine architecture and how catalog implementations can automatically route table resolutions to compliance-enforcing SQL views. Such views have a set of very interesting properties: (1) They are auto-generated from declarative data annotations. (2) They respect user-level consent and preferences (3) They are context-aware, encoding a different set of transformations for different use cases (4) They are portable; while the SQL logic is only implemented in one SQL dialect, it is accessible in all engines.
#SQL #Views #Privacy #Compliance #DataLake
Predictably Improve Your B2B Tech Company's Performance by Leveraging DataKiwi Creative
Harness the power of AI-backed reports, benchmarking and data analysis to predict trends and detect anomalies in your marketing efforts.
Peter Caputa, CEO at Databox, reveals how you can discover the strategies and tools to increase your growth rate (and margins!).
From metrics to track to data habits to pick up, enhance your reporting for powerful insights to improve your B2B tech company's marketing.
- - -
This is the webinar recording from the June 2024 HubSpot User Group (HUG) for B2B Technology USA.
Watch the video recording at https://youtu.be/5vjwGfPN9lw
Sign up for future HUG events at https://events.hubspot.com/b2b-technology-usa/
Global Situational Awareness of A.I. and where its headedvikram sood
You can see the future first in San Francisco.
Over the past year, the talk of the town has shifted from $10 billion compute clusters to $100 billion clusters to trillion-dollar clusters. Every six months another zero is added to the boardroom plans. Behind the scenes, there’s a fierce scramble to secure every power contract still available for the rest of the decade, every voltage transformer that can possibly be procured. American big business is gearing up to pour trillions of dollars into a long-unseen mobilization of American industrial might. By the end of the decade, American electricity production will have grown tens of percent; from the shale fields of Pennsylvania to the solar farms of Nevada, hundreds of millions of GPUs will hum.
The AGI race has begun. We are building machines that can think and reason. By 2025/26, these machines will outpace college graduates. By the end of the decade, they will be smarter than you or I; we will have superintelligence, in the true sense of the word. Along the way, national security forces not seen in half a century will be un-leashed, and before long, The Project will be on. If we’re lucky, we’ll be in an all-out race with the CCP; if we’re unlucky, an all-out war.
Everyone is now talking about AI, but few have the faintest glimmer of what is about to hit them. Nvidia analysts still think 2024 might be close to the peak. Mainstream pundits are stuck on the wilful blindness of “it’s just predicting the next word”. They see only hype and business-as-usual; at most they entertain another internet-scale technological change.
Before long, the world will wake up. But right now, there are perhaps a few hundred people, most of them in San Francisco and the AI labs, that have situational awareness. Through whatever peculiar forces of fate, I have found myself amongst them. A few years ago, these people were derided as crazy—but they trusted the trendlines, which allowed them to correctly predict the AI advances of the past few years. Whether these people are also right about the next few years remains to be seen. But these are very smart people—the smartest people I have ever met—and they are the ones building this technology. Perhaps they will be an odd footnote in history, or perhaps they will go down in history like Szilard and Oppenheimer and Teller. If they are seeing the future even close to correctly, we are in for a wild ride.
Let me tell you what we see.
1. http://everythingfinanceblog.com/14221/10-surprising-facts-mortgages.html | http://www.barchart.com/economy/mortgagerates.php
| http://www.dailyfinance.com/2013/05/17/5-mortgage-facts-you-need-to-know/
AVERAGE MORTGAGE
RATES BY STATE
WHAT GOES INTO A MONTHLY MORTGAGE PAYMENT?
Lender Payment
including
Interest and
Principal
PMI Insurance
when your
down payment
is <20%
Fixed
interest
Set payment
schedule
Homeowners
Insurance
DID YOU KNOW?
1 in 7 adults in their 70s will still be paying off their mortgage.
NEW YORK
NEW JERSEY
MINNESOTA
NORTH DAKOTA
IOWA
ARKANSAS
WASHINGTON
ALABAMA
KENTUCKY
MISSISSIPPI
MONTANA
OHIO
NORTH CAROLINA
CONNECTICUT
DELAWARE
PENNSYLVANIA
SOUTH DAKOTA
VERMONT
WEST VIRGINIA
GEORGIA
IDAHO
KANSAS
MASSACHUSETTS
NEBRASKA
NEW HAMPSHIRE
SOUTH CAROLINA
VIRGINIA
MARYLAND
MISSOURI
RHODE ISLAND
TENNESSEE
TEXAS
WYOMING
ALASKA
ILLINOIS
INDIANA
OKLAHOMA
MAINE
UTAH
CALIFORNIA
MICHIGAN
WISCONSIN
ARIZONA
OREGON
COLORADO
FLORIDA
LOUISIANA
NEVADA
NEW MEXICO
1
2
3
4
5
6
7
8
9
10
1
2
3
4
5
6
7
8
9
10
1
2
3
4
5
6
7
8
9
10
1
2
3
4
5
6
7
8
9
10
NEW YORK
NEW JERSEY
MINNESOTA
NORTH DAKOTA
IOWA
ARKANSAS
WASHINGTON
ALABAMA
KENTUCKY
MISSISSIPPI
MONTANA
OHIO
NORTH CAROLINA
CONNECTICUT
DELAWARE
PENNSYLVANIA
SOUTH DAKOTA
VERMONT
WEST VIRGINIA
GEORGIA
IDAHO
KANSAS
MASSACHUSETTS
NEBRASKA
NEW HAMPSHIRE
SOUTH CAROLINA
VIRGINIA
MARYLAND
MISSOURI
RHODE ISLAND
TENNESSEE
TEXAS
WYOMING
ALASKA
ILLINOIS
INDIANA
OKLAHOMA
MAINE
UTAH
CALIFORNIA
MICHIGAN
WISCONSIN
ARIZONA
OREGON
COLORADO
FLORIDA
LOUISIANA
NEVADA
NEW MEXICO
1
2
3
4
5
6
7
8
9
10
1
2
3
4
5
6
7
8
9
10
1
2
3
4
5
6
7
8
9
10
1
2
3
4
5
6
7
8
9
10
1
2
3
4
5
6
7
8
9
4%
3%
2%
1%
1 2 3 4 5 6 7 8 9 10 1 2 3 4 5 6 7 8 91 2 3 4 5 6 7 8 9 101 2 3 4 5 6 7 8 9 101 2 3 4 5 6 7 8 9 10
2.82%
2.85%
3.41%
3.42%
3.43%
3.44%
3.45%
3.46%
3.46%
3.46%
3.46%
3.46%
3.47%
3.48%
3.48%
3.48%
3.48%
3.48%
3.48%
3.49%
3.49%
3.49%
3.49%
3.49%
3.49%
3.49%
3.49%
3.5%
3.5%
3.5%
3.5%
3.5%
3.5%
3.51%
3.51%
3.51%
3.51%
3.52%
3.52%
3.53%
3.53%
3.53%
3.54%
3.54%
3.55%
3.55%
3.55%
3.56%
3.58%
Property
Taxes which
can vary from
year to year
Your mortgage
payment should
not exceed 28% of
your income
before taxes.
Mortgage
brokers can
help you shop
for the best
interest rate.
apr
STANDS FOR
"ANNUAL
PERCENTAGE RATE"
AND MEASURES THE
TRUE COST OF YOUR
MORTGAGE.
BY MAKING BIWEEKLY
PAYMENTS YOU CAN
SAVE $27,725 IN
INTEREST ON A 30-YEAR
$250,000 MORTGAGE
AT 4% APR AFTER
SERVICE FEES.
Created by US Equity Advantage