An unmistakable passion for detail, the finest natural materials used and state-of-the-art precision engineering. The Nokia 8800 Gold Arte is a unique synthesis of 18 carat gold, plush white leather and glass. Characterised by the elegance of its clear lines and sleek design. 3.2 megapixel camera and 1 GB memory for your use of multimedia content. Using a MicroUSB all-in-one connector makes it easy to transfer your data. And 3G connectivity for superior web and e-mail access. Stunning 2 inch OLED QVGA display supporting up to 16 million colours.
Key features
18 carat gold-plated body
Genuine white leather padding
2" 16M-color OLED display of QVGA resolution
3G support
3 megapixel autofocus camera
Full-house retail package with a Bluetooth headset and desk stand
Decent battery life
Turn-to-mute
Tap-for-time
4GB internal memory
Main disadvantages
Smallish display with poor sunlight legibility
Tri-band only
No memory expansion
Costs an arm and a leg
Below-par camera performance
No video calls
No Smart dialing
No office document viewer
No Java multi-tasking
Summary
Talking value for money with the Nokia 8800 Gold Arte, or any of its siblings, will make as much sense as attaching an enjoy responsibly message to the Vertu Concierge service. Though the Arte Gold doesn't go as far as the Vertu, exuberance is its very name and the materials and looks certainly hold their own against the luxury models.
Sometimes we face situations wherein we need urgent money to meet unexpected expenses like medical urgencies, car repair, paying previous debts etc. fast payday loans are meant to help you in such situations by providing monetary assistance in short time. Fast payday loans are approved in very short time and the loan amount is transferred to your account within 24hrs. Fast payday loans are short term loans and you don’t need to place any security in order to avail it.
ABOUT FAST PAYDAY LOANS
Fast payday loans are specially designed for people who are in urgent need of money for paying medical bills, car repair, paying pervious debts etc. fast payday loans are short term loans and should be paid within four weeks of approval of loan. Being short term in nature fast payday loans carry higher rate of interest, but with good research you can avail fast payday loans at competitive interest rate. a borrower having poor credit score due to arrears, defaults, CCJ, IVA, bankruptcy, late payments etc can also avail fat payday loans. There are certain prerequisites for availing fast payday loans. You must have a full time job, regular source of income and bank account active from at least 6 months. You also need to submit your last pay cheque and bank statement.
APPLYING FOR FAST PAYDAY LOANS:
To apply for fast payday loans you must be employed and have a regular source of income. Applying for fast payday loans is very easy. Fast payday loans are approved very easily and within short period of time. You can also apply online to avail fast payday loans. Online application method is less time consuming and hassle free. The loan amount is actually transferred to you bank account within few hors of approval. With the help of internet you can search for various banks, financial institutions and lending firms offering fast payday loans and compare between them to choose the best one that suits your needs.
FAST PAYDAY LOANS: ADVANTAGES
Fast payday loans are very useful for people who are in urgent need of money. This is because fast payday loans are approved very easily and within very short time. The loan amount is transferred directly to your bank account within 24 hours of approval. With fast payday loans you can meet all your urgent needs like paying medical bills, debts, car repair etc. fast payday loans are risk free loans because you don’t need to place any security against the loan amount to avail it.
Summary
Fast payday loans are short term loans and hence can be easily repaid. Fast payday loans are perfect solution to meet all your urgent cash requirements.
You are in urgent need of money just a week after you got the salary. You rush for a payday loan but find that some documents are not available that very time to show or fax them to the lender. No fax payday loan does this rescue work for you as this type of loan availing system does not require the borrower to fax any papers to the lender. The simple and hassle free manner of getting no fax payday loans makes it the most attractive of all other payday loans.
To avail No Fax Payday Loans all a borrower needs to have is a bank account in which salary of the borrower is paid in and the bank must be equipped with direct debit facility. All you do is just fax necessary details to the lender and you get the loaned amount the next business day in your bank account.
No fax payday loan providers do not ask for any collateral as their loaned money is already secured in the form of the post-dated cheque. The post-dated cheque serves the purpose of collateral. The lender will draw his loaned amount back from the borrower’s salary account by presenting the cheque. Thus the day borrower receives his pay cheque; he automatically pays off his no fax payday loan.
Borrowers can get a no fax payday loan anywhere in the range of ₤40 to ₤800. The loan should only be used for those needs, which were to be fulfilled through the salary amount. Any loan that is bigger than your salary may create troubles for you. You would take a longer time to pay back loan to the lender and therefore higher outgo in the form of the interest.
The loan is availed generally for a week or a month. One should keep the payday loan term as short as possible and pay it off at the first opportunity because of the very high interest rate involved in it. The rate of interest remains very high in payday loans because the lenders want to earn more in a short period.
No fax loan is designed for a quick approval of the loan still you have to be careful while filling application online. A misspelled word and that is enough for the finance company’s computer to reject the application. If every detail is found correct and in place, the no fax loans are approved within one hour. The borrower gets the loan amount next day of the approval in his account.
Do a lot of searching online so that you choose the best service provider and interest rate.
Summary
No fax payday loans though are tailored for salaried people so that they get money quickly, still the loan should be taken with some caution. The loan amount and high interest rate are crucial from the point of view of the borrower.
People on low incomes who have trouble borrowing money from more official sources are the target for 'doorstep lending'. They can borrow small amounts of cash, even just 100 pounds, for a short time and repay it week by week to an agent who visits them at home to collect the repayments. Of course the interest rates are often spectacularly high.
After the recession in the early nineties millions of people trying to borrow money via traditional routes found it impossible. The doorstep loan market thrived as it served these needy borrowers, many of whom had suffered during the property crash and defaulted on their mortgages, resulting in poor credit ratings.
In 2004 the National Consumer Council complained to the Office of Fair Trading about the doorstep lending industry's high interest rates, and an investigation into the industry was carried out by the Competition Commission.
It discovered that there was insufficient competition in the industry and borrowers were paying dearly for their loans. They were also not encouraged to repay their loans early if they could, so extending the period of debt. However, on the whole borrowers were happy with the way the doorstep lending industry worked.
These days doorstep lenders are obliged to offer their customers a 'fair rebate' if they pay off their debts before the final repayment date agreed.
Another innovation is that the Competition Commission ordered that a price comparison website be set up, and now doorstep lenders are legally bound to make customers aware of it in their 'sales pitch'.
Provident Financial in Bradford, Cattles of Hull and S&U are the three big names in the doorstep lending (aka home collection) business with over 50 per cent of market share. Surprisingly there are around 500 firms in all, including the one-man-bands who tend to charge the worst interest rates.
A loan of 100 pounds could charge 1,500 per cent interest which the lenders claim is not excessive for the cost of providing the loan. They also claim that the APR figure is misleading as most loans run for far less than a year.
Consumer groups do not want to impose an outright ban on doorstep lenders, even though they do not hold them in high esteem, because it would not be good for their borrowers if the industry was driven underground. However, loans are becoming more readily available for those with a poor credit rating through more traditional channels, with the effect that dealing on the doorstep is becoming less popular. In fact Provident Financial has set its sights on the Eastern European market to compensate for the falling market at home.
Summary
Borrowers who still want to step into these potentially shark-infested waters should shop around for the best deal, even if they have used the same agent for years and trust him implicitly, as it could save them money. One example quoted is a saving of up to 40 pounds on a 100 pound loan over six months, and that is definitely worth switching lenders for.
Let's break it down a little further: a good SEO case study should give you a well-rounded picture of the challenges facing both the client and the SEO firm, as well as the strategies and results used during the optimization process:
Background/Challenges: This part of the case study may include client history, as well as details regarding the challenges facing both the client and SEO company. These challenges might include being in an ultra-competitive industry, having a totally un-optimized site, having previously been banned by the search engines, etc.
Strategy: Next, a good SEO case study should lay out how the company approached the challenges and what they did to improve the site's rankings, traffic and conversions.
Summary
A good case study will lay out documented results in key areas like search engine saturation, link popularity, search engine rankings, etc. And, of course, since SEO is ultimately results-focused, a case study should include sales and conversion information if available.
Times to time expenses keep increasing and it becomes must to meet them all effectively for every one otherwise in the absence of cash circumstances may become a huge dilemma for an individual. But today's time it is not easy to bear all the expenses as well as saving of cash for emergencies with the fixed and limited salary. So at the time of any urgent requirement you can borrow cash through Door To Door Loans to Your Front Door.
Door To Door Loans to Your Front Door are the loans especially for those who consider their selves unable in procuring loan because of their credit background. so if you have been bad credit history holder including CCJs (country court judgments), IVA (individual voluntary agreements), arrears, late payments, defaults, amount outstanding etc. still you are able to acquire the loans through Door To Door Loans to Your Front Door on the same day when you apply for it.
The process of applying for Door To Door Loans is simple and hassle free. You just need to fill a form which is available on internet 24×7 for all and have to give your personal details like name, address, contact and bank account number, email ID, source of income, monthly earning, and cash borrowing purpose and so on in the application. As soon as you submit your application online, lending company will verify all the information which you have given and after the authentication of form, amount will be transferred into your bank account electronically.
The most helpful part of Door To Door Loans to Your Front Door is that these loans are unsecured kind of loans in nature therefore borrowers are not required to pledge any kind of collateral against the loan amount.
Summry
Door To Door Loans are available in the range of £100 and £1500 based on your requirement. The tenure of repayment is 14 to 31 days with slightly high charged rate of interest. You will be eligible to get the loan only if you fulfill the certain criteria: you have to be an adult, have regular income with minimum salary of £1000 per month and must have a bank account at least six months old.
Payday loans are available in 1 hour to consumers in need of quick funds. At times, an unexpected repair bill may occur causing an individual to search online for fast cash. A payday advance is a loan secured by an individuals paycheck. An online application needs to be filled out accurately. The applicant will know if their requested loan amount is approved in about a minute or two. Most lenders will not require any documents to be faxed, and some may not even need to perform a credit check. Bad credit is usually not an issue when applying for a payday loan. Some lenders may have to check some things on the application with the applicants banking institution. To get a quick payday cash loan in about an hour, note the answers given to commonly asked questions:
When should I apply for my loan? To get a loan in 1 hour, it is best to apply during normal business and banking hours. A lot of online payday websites may claim to provide loans that are available 24 hours a day, but application information needs to be verified with the applicants bank. This verification can only be done during normal banking hours. If it is a weekend or a holiday when banks are closed, it is highly unlikely that a loan will be given quickly.
Where can I find a payday lender willing to lend funds in 1 hour? It would be advisable to look for a website that offers loans in 1 hour. One hour payday loans are becoming more and more available to consumers. The period of time that it takes to make a loan available is usually clearly stated on the online application form. The application should clearly state whether the funds are available in one hour or by the next business day. If one can be patient, a variety of lenders make funds available within 24 hours of applying.
Are there fees for getting an online cash advance? Yes, and the fees can be expensive. Usually the fees range from $15-$20 per $100 requested. Responsible borrowing is required so that individuals do not have loans that are beyond their means to pay back. A helpful hint in getting a loan would be to keep the loan request below $500. Loans under $500 will usually get higher approvals, and are easier to pay back when payday comes around.
Most of us have heard the expression "living from payday to payday," some of us have even lived it. But what happens when demands on your resources won't wait until payday? Payday one hour loans are a quick and easy way to handle the occasional financial crisis. Acquiring a payday loan is a simple Google search away to finding a qualified lender to serve you and your needs. Generally, all that is needed is to provide your personal information on an online form. Financial information is also shared so the funds can be deposited directly into your account. After the form is submitted and your information has been verified you are than approved. In most cases the approval process takes just minutes to complete. The funds are then directed into your account and available to you for immediate withdrawal.
The four major requirements that lenders have for buyers are: at least 18 years of age, employed for at least six months, an income of $1200 - $1500 a month and a bank account with direct deposit capabilities. These four things are key as you will definitely not be approved without any of these few essentials. Other factors may also come into play such as whether or not you are employed or just unemployed and collecting benefits, self employed or on active military duty. The customer can not be in default on any other payday one hour loan or have an active loan account with any other lender at the time of request. These are short term loans for amounts ranging from $100 - $1000 and are meant to be paid back quickly, usually in not more than two weeks.
Because payday one hour loans are secured against your next paycheck a credit check is not necessary and not a factor in determining your eligibility. Because these loans are so short term the interest rate is very high. In fact the cost can vary from $15 - $30 for every $100 that you borrow which is a steep price but this is most likely just a one time payment and the emergency relief this quick cash brings makes it worth it. You, as the borrower in effect are writing a post dated check to the lender for the amount of the loan plus fees.
Summary
On the established payback date the lending institution withdraws the amount of the loan from your bank account. If the required amount is not available to them then more late fees and penalties are tacked on to your total.
One of the most commonly asked questions regarding search engine optimization is: "What is the best way to learn SEO"? The answer I always give to this question is simple yet complex. My answer to this question is always: "It Depends".
Now before you say that my answer is not a definitive response to the question - let me explain my answer to you.
Search engine optimization by its very nature is not a black and white concept. There is a lot of gray area in the field of search engine optimization SEO.
Thus, it is only natural for people who are trying to learn SEO to be totally confused about how and what to do in relation to learning SEO because there are so many options and opportunities available for people to learn search engine optimization.
Well, let's look closer at my answer to the question what is the best way to learn SEO: "It Depends".
My answer to the question is based purely on my viewpoint of education in general and learning new subject matter.
The fact that someone is trying to learn SEO is only the current situation for the individual. The real question that is being asked is what is the best way for the individual to learn and this depends on the individual.
For example, some people learn best using visual aids while others learn more through audio aids while still others learn better from reading books.
In the end, the best way to learn almost anything is to use a combination of these methods.
However, in our society today people have very little patience, so the visual method tends to be what many people prefer because frankly it is easier to apply and use; but in my experience, the "visual" method in the long run is the least effective method for individuals to utilize for retaining and applying new information.
With this being said, the best method for learning in my opinion is reading a well-written book related to the subject matter.
The book should include visual aspects in the material to enhance the learning experience and access to an instructor for reinforcement of the material that is read or it should be written in a manner that presents the material as if the author is actually sitting with the reader and explaining the information.
Therefore, my answer "it depends" regarding the question of what is the best way to learn SEO can be summarized this way.
"The best way to learn SEO is by reading an SEO book that is well written and covers the entire realm of SEO at the level of the actual reader so that a clear understanding can be conveyed. Hence, for beginners to the intermediate level, the material should be written for readers at that level in a manner that is best for them to learn SEO, which would be different than a book written for an advance SEO reader."
The main problem with reading SEO related books is that most of the books and ebooks sadly are not well written and the information is usually written in a manner that is not designed for the reader to learn but only for the reader to apply what was read. You or no one else can learn this way. It is easy to write a book; but is very hard to write a well-written book that helps an individual learn new material.
If you want to learn SEO, you need to read a good SEO book and/or ebook that actually provides the search engine optimization material in a comprehensive manner and also provides the material in an easy to read, easy to understand, effective and easy to apply manner for real world situations.
Don't fall victim to the hype. If you want to learn SEO, it will take time. A two-day SEO workshop, SEO videos and/or SEO online classes will not help you learn SEO. You can learn to apply specific information using these methods; but you will not learn SEO.
Search engine optimization is much more than a few techniques or tips. SEO is a field of expertise, which requires a strong understanding of all aspects related to SEO before you can truly learn SEO. Thus, it will take time. Remember, Rome was not built in a day.
Summary
If you want to learn SEO, you will need to do it the old fashion way by reading and applying the material from a good SEO book and/or ebook.
Want money urgently? Well you can opt for instant loans. Instant loans are best known for faster and hassle free transactions. The loan amount is actually transferred to the borrowers account within 24 hrs of approval.
With instant loans you can avail money in the shortest time possible. Instant loans are meant for people who are in urgent need of money. You can avail an amount that can be up to £1500. The interest rate of instant loans is available in both forms i.e. fixed and variable. The repayment duration of instant loans can be 7-18 days. Being short term in nature instant loans carry a bit higher interest compared to other loans, but due to fierce competition in the market you can easily avail instant loans at nominal interest rate.
Instant loans are also open to people suffering from bad credit history. A person facing arrears, defaults, CCJ, IVA, bankruptcy etc can also apply for instant loans. But he will have to convince the lender regarding his repayment ability.
Instant loans are a boon for people who need instant money urgently. It is available in both forms secured and unsecured. So, even if you are a tenant or paying guest you can avail unsecured instant loans. Also if you don’t want to risk your property to avail instant loan you can opt for unsecured instant loans. Instant loans can also be availed by people suffering from bad credit history. Bad credit borrowers can increase their credit score by paying the loan amount regularly and on due time. With instant loans you can easily meet all your urgent monetary requirements.
Summary
Make sure to read all the terms and conditions carefully. This way you can find any hidden features that may cost you in future. Also search well before applying for these instant loans. With good research you can find a lender that offers instant l loans at reasonable terms and conditions.
It's truly a stunning and an astonishing fact how a small country likes Switzerland possesses extraordinary varieties of attraction. The country is the land of natural treasure and hence it is the dream destination of every tourist. The country Switzerland is located in Central Europe. The total land area of the country is equal to 41,290 sq. km. The capital city of Switzerland is Bern. The total population of the country is 7,554,661. The largest city of Switzerland is Zurich. The prominent language of Switzerland is the German language.
The history of the place is truly interesting. In the ancient times in 1291 the country, Switzerland is called as Helvetia. It consisted of only three districts. Later in 1798, the French revolutionary troops occupied the country and they named it as the HelveticRepublic. Later in the year 1815, the country was guaranteed the neutrality and recognized as the independence of Switzerland by the Congress of Vienna. But again in the year 1847, in the revolutionary period the Catholic cantons were defeated and rejoined the federation.
The country Switzerland is one of the most fabulous touring places on the earth. The alpine beauty of the high beautiful peaks and the breathtaking sceneries of the place will never fail to allure you. The panoramic view of the MountPilatus in Lucerene is simply gorgeous. There on you can enjoy an amazing journey to a height of about 7000 feet on a cable car. Switzerland is a land of mountains. Most of the mountains peaks remains covered with snow. One of the famous mountain peaks is Jungfraujoch whicjh is popularly known as the "Rooftop of Europe". This panoramic sight is situated in the Swiss Alps at a height of about 11,333 feet. It has been one of major tourist places in Switzerland, since time immemorial. Hold your nerves to explore these beautiful and magnificent glacier mountain peaks. Also never get baffled if you find a village on these mountain tops. Alps in Zermatt are one of the famous peaks of Switzerland and it is a popular destination for the mountaineers. The tourists also enjoy skiing adventure in the Matterhorn which is located in Zermatt.
While traveling to Switzerland, one can never afford to overlook the natural treasures and adventurous thrills that one can experience in the MountMatterhorn. The principal rivers of the country are the river Rhine, Ticino, and the river Inn.
Summary
The other attraction of the place is the picturesque views of streams and lakes. These water bodies provide sensational pleasures to the travelers. The Lake Geneva, LakeLugano, Lake Maggiore, Lake of Neuchatel and Lake of Lucerene are some of the other attractions of the country, Switzerland.
Are you planning for tours and travels in India? Well, it is sure that traveling in India will give you ultimate pleasure. It is a country where you will find a lot of fascinating locations to travel and see. It is a country which enjoys mind-boggling combination of tradition and modernity. It is a country where one can fulfill one's all type of tourism desire. Today, it has been one of most demanding destinations in the world. Visitors from all over the world come to India for tourism and return their home carrying sweet memories of India tours.
Now, let's discuss about what attracts tourists for traveling in India. There are a lot of tourist attractions and several beautiful places to see in India. In fact, entire land of India is full of a range of attractions and these attractions never fail to grab the heart of their visitors and provide them ultimate pleasure. What a tourist can demand for during his traveling - mountains, beaches, hill stations, wildlife, heritage sites, adventure & sports, pilgrim sites, deserts, monuments, and more? India has all these things to offers its visitors. On your tours of India you will observe yourself why India is considered as one of the most demanding destination in all over the world and why people are willing of India tour.
In whatever locations of India you will travel in you will find a difference travel experience and pleasure. You will have no any opportunity to get disappointed. Everywhere you will find that a new attraction is waiting for your arrival. There are many places to visit in India. Some of them are - Kashmir (popularly described as the Paradise on the Earth due to its matchless beauty), Goa (famous for breathtakingly beautiful beaches, churches, and splendid monuments), Kerala (popularly described as God's own Country and famous for palm dotted breathtaking beaches), Rajasthan (the land of Rajputs and dotted with several magnificent forts, palatial palaces and exotic culture), Himachal Pradesh and Uttaranchal (famous for beautiful landscapes and breathtaking hill stations), Bangalore - the garden city, Hyderabad - Hi-tech City, Mumbai - the city of dreams, Delhi - the capital of India, etc.
If you too want to enjoy the pleasure of traveling in India, there are several India travel packages available in market, just choose one of the right package and ready for travel in India.
Summary
Keep it mind that India tours will never fail to impress you with magical charm of India tourism.
Debt management programs just manage your existing debts in a way well suited to you for settling various debts. This type of program is beneficial to those who have borrowed a huge sum from the creditors and are facing difficulty in repayment. When a person opts for debt management program, it becomes the responsibility of the concerned debt management company to manage the existing debt of the client.
What is the Need?
According to a survey conducted, credit card debt has a share of 40% of the total debt at an average interest rate of 19%. 92% of the monthly installment is paid as interest leaving 8% for the actual debt. For the people living lavish life, repaying the debts is a tedious task. To repay a debt they go for another debt thus increasing the burden. Here debt management plays a vital role helping you to become debt free.
Helps in Repayment of over debts
Taking assistance from a debt management company is better than going for debt consolidation. What a person gets in debt consolidation is also a debt. Situations may arise when monthly repayment exceeds monthly income, and then debt consolidation is of no use, person should go for debt management.
In debt management, you are not going for another loan but the company takes a single fixed monthly payment which is paid to your existing loans and can manage any debts between £3000 and £250000. When you approach a debt management company, the company negotiates with your existing creditors over the monthly repayments and the existing interest rates. Monthly repayment fixed by these companies will be payable and well within your limits.
Advantages:
Literally debt management has no drawbacks, but company approached must be registered. Your monthly installment is reduced up to 75%. There won’t be calls from creditors.
Summary
Reading this you will be in a position to determine whether debt management will be advantageous to you or not. If your reply is affirmative, then without any hesitation go for debt management program and soon you will be out of your pending debts.
This is a great time to Refinance Your Home or Buy a New Home -- the Mortgage Rates are so low, these days! It's always worth a shot to find out what the costs of switching over to a new mortgage would be, to see if that's the right move for you.
Whether you are building your own house, buying a new property, gathering funds to do a renovation project, or Refinancing your current Mortgage at a much Lower Rate, you’ll be looking for Funding -- Money, Money & More Money! Here are some commonly asked questions regarding funding for a Mortgage or a Home Improvement Loan.
Where should I go first to get a Mortgage?
Keep in mind that it is generally easier to work with a Broker, since they have the ability to be a lot more flexible than a conventional bank. Also, their rates will often be considerably lower than what the banks are offering, too, so shop around – this could save you a fair bit of money. Brokers can often get a mortgage for clients that a bank won’t even touch, and they’ll do it at your convenience, for the most part, so you can have a more relaxed meeting with them.
What questions will a Broker ask somebody who’s looking for a Mortgage?
There are three main things you will be required to provide:
i.Verification of Income
ii.How much and where the Down Payment is coming from
iii.Personal information for Credit Checks (Birthday, Social Security Number, Address, Job Letters, Pay Stubs, 3 years worth of Tax Returns, 3 months worth of Bank Statements, any current Retirement Savings Funds…)
Your Banker or Broker will want to confirm your ability to qualify by doing a GDS Ratio (Gross Debt Ratio) and a TDS Ratio (Total Debt Ratio).
A Gross Debt Ratio is determined by taking the Mortgage Payment, the Property Taxes, and a Heat Component (really hot areas will be exempt from this, I’m guessing!), which is usually around $50.00. These numbers are added together. That number is multiplied by 12, then divided by your Gross Income Amount. This number can’t exceed 32% of your Gross Income. Some banks &/or brokers may have different criteria, but this is a commonly used method to see if a client can qualify for a mortgage.
The Total Debt Ratio takes the above information (the GDS Ratio) along with all other debts and payments (whatever else you have to pay per month – credit cards, support payments, etc.) to make sure that the Grand Total of all of your payments, including the new mortgage and taxes, won’t exceed 40% of your Gross Income.
N.B. Don’t get too hung up on the math – that’s the job of the banker or broker. This is just info to give you a good understanding of how they get their numbers.
What if someone has a job that is technically referred to as “Part-time”, but they make a “Full-time” wage. Can they qualify for a Mortgage?
You can apply through a Mortgage Broker (probably your best bet) to see how much your Gross Income will allow you to qualify for. It is particularly beneficial if you have a solid work history (have been at the job for a few years, or more). A Broker will know how to present the documentation to help you get a mortgage. This is particularly important, now, since so many companies and Government Services hire ‘Part-time’ or ‘Contract’ employees. These can be career positions, and you can be there for fifteen years, and still be flatly turned down by the regular banks. Don’t give up on your dream to own your own home because you’re in a situation like this – call a Mortgage Broker, and give it a shot. If that still doesn’t work, try another one. What’s the harm? At the very least, you can get an honest answer of what you need to do in order to become qualified. Either way, you’ll be that much closer to owning your own place, and that’s the goal!
Is there an easy way to calculate a Mortgage?
There’s a formula that I use that is relatively accurate, give or take a hundred dollars, or so. At the very least, you’ll get a ballpark idea of your monthly payment (not including the Tax portion), and whether you can qualify for that amount. Remember that when you’re qualifying for Mortgage money, if you’re even $80.00 over what they think you can pay, you won’t get the mortgage. It’s best to Pre-Qualify for a mortgage, and ask how much you will qualify for before you go house-hunting. Keep in mind that as the Interest Rates get lower, the more you’ll be able to qualify for. Don’t go crazy, though, since all the costs go up as you increase in house size, and the monthly operating costs might end up being higher than you thought, then you’ve got a big house and a crappy lifestyle. Stay within your means; stay happy and comfortable.
Can I qualify for a Mortgage based on the lowest rates out there?
Different Lending Institutions will have different rules, but you will generally have to qualify under their 3 Year Rate, which will be higher than the lowest rates available. Some institutions will use the 5 Year Rate (primarily regular banks).
What’s the difference between an Open and a Variable Rate Mortgage?
An Open Mortgage is one that can be paid out at any time, but you will pay a higher Rate for this privilege. This is a good choice if you’re not sure how long you’ll be staying in the home. You’ll save on the possible Penalty Payments you would have to pay if you had a Fixed Rate Mortgage, and had to move before the pre-chosen Time Period had elapsed.
Summary
Just so you know, a Real Estate Lawyer will be very pleasant to deal with ... they don't seem to deal with a lot of animosity, like many other types of Lawyers, and that probably accounts for their serene expressions! ha,ha,ha! They're there to help you get into or out of your home, so don't worry -- it won't hurt a bit!
