Islamic mortgage alternative payment calculator #mortgage #calculator #amortization


#islamic mortgage

#

Home Purchase Plan is more affordable than ever

Rental Rates from 2.44% (fixed) and 2.64% (discounted variable)

Rental rates above require minimum 40% deposit. Fixed Rental Rate fixed until 31 December 2018 and Discounted Variable Rental Rate discounted until 31 December 2018. Subject to status, terms and conditions apply.

Important Notice

Enhancements to your online banking service:

Al Rayan Bank has been working hard to improve the ways in which you can manage your accounts, with the aim of making your banking with us as convenient as possible. We have, therefore, added the following functionality to your online banking facility:

  • You can apply for our range of savings products online without the need to print and return application forms and other documents. In most cases you will be able to open accounts in a few minutes
  • You can deposit money into your new Al Rayan Bank savings account by using your debit card or setting up a regular Direct Debit
  • Online bank statements covering the last 12 months to date are available to view and print
  • A range of notifications can be set up to help you manage your account more efficiently. For example, you can opt to receive emails to let you know when your account reaches a certain balance or when a debit leaves your account

Please note that the browsers currently supported by our online banking facility include Microsoft Internet Explorer 8, 9, 10 and 11, Google Chrome, Apple Safari and Firefox.

If you do not currently use any of these browsers, you can download your preferred one either from the Microsoft, Google or Apple websites.

CryptoLocker ransomware spreading fast

Fraudsters are spamming millions of people with emails that appear to be from banks and other financial institutions that carry CryptoLocker ransomware. The National Crime Agency (NCA) says the emails have been sent to millions of people.

Encrypts the files on your PC

The emails carry malicious files that disguise themselves as correspondence (for example, a voicemail, fax, details of a suspicious transaction or invoices for payment). The emails actually carry CryptoLocker ransomware. Once installed CryptoLocker works by encrypting personal files such as, photos, music, office documents etc. Once the files have been encrypted CryptoLocker displays a screen with a countdown timer and a demand for the payment.

The NCA’s National Cyber Crime Unit (NCCU) says you should never send the payment of a ransom to criminals as there is no guarantee that they would honor the payments in any event.

CryptoLocker prevention advice

  • Do not to click or download unsolicited email attachments.
  • Update your Antivirus software and operating systems regularly.
  • Back up all your important files and store them off your network.
  • Where a computer becomes infected it should be disconnected from the network, and professional assistance should be sought to clean the computer.

Various antivirus companies offer remedial software solutions (although they will not be able to restore encrypted files).

Important

  • Keep your passwords safe at all times and do not write them down. You should never tell anyone your password
  • Beware of emails that ask you to confirm your password or other details. ( We will never send you an email asking for your password or other security details )
  • Ensure no-one is watching you logon. Avoid using public or shared facilities such as Internet Cafes or other people’s computers to access your banking services
  • Keep your firewall on

Home purchase plan payment calculator

How much will my payments be?

Buying or refinancing a property is a major decision. To help you make the right choice, we have produced a calculator to give an indication of the payments that you would need to make. Please use the calculator to consider your options, or go to our secure online Agreement in Principle which allows you to proceed to an online application form

There are some errors on the form.
Please review and correct the fields below in order to submit this form!

You must select a product type

Please enter a Finance period
(must be between 7 and 30 years)

Finance amount Product type Finance period Years

Your calculated monthly payments: £0

Your calculated monthly payments: £0

Now that you know what your likely monthly payments for a set amount of finance might be, you should consider how much you can comfortably afford each month.

The calculator below will give you an indication, after you have input your total income (after tax) that you receive each month, and also your total monthly financial commitments. ‘Financial commitments’ means any other finance products you are paying for, so include loans, store or credit card monthly payments, plus any other payments.

Financial commitments

First applicant net monthly income Second applicant income/Other applicants net monthly income Any monthly financial commitments

Maximum estimated affordable payment: £0


IRS Announces Guidance on the Principal Reduction Alternative Offered in the Home Affordable Modification Program


#mortgage reduction

#

Like – Click this link to Add this page to your bookmarks Share – Click this link to Share this page through email or social media Print – Click this link to Print this page

IRS Announces Guidance on the Principal Reduction Alternative Offered in the Home Affordable Modification Program (HAMP)

IR-2013-8, Jan. 24, 2013

WASHINGTON — The Internal Revenue Service today announced guidance to borrowers, mortgage loan holders and loan servicers who are participating in the Principal Reduction Alternative SM offered through the Department of the Treasury’s and Department of Housing and Urban Development’s Home Affordable Modification Program ® (HAMP-PRA ® ).

To help financially distressed homeowners lower their monthly mortgage payments, Treasury and HUD established HAMP, which is described at www.makinghomeaffordable.gov. Under HAMP-PRA, the principal of the borrower’s mortgage may be reduced by a predetermined amount called the PRA Forbearance Amount if the borrower satisfies certain conditions during a trial period. The principal reduction occurs over three years.

More specifically, if the loan is in good standing on the first, second and third annual anniversaries of the effective date of the trial period, the loan servicer reduces the unpaid principal balance of the loan by one-third of the initial PRA Forbearance Amount on each anniversary date. This means that if the borrower continues to make timely payments on the loan for three years, the entire PRA Forbearance Amount is forgiven. To encourage mortgage loan holders to participate in HAMP–PRA, the HAMP program administrator will make an incentive payment to the loan holder (called a PRA investor incentive payment) for each of the three years in which the loan principal balance is reduced.

Guidance on Tax Consequences to Borrowers

The guidance issued today provides that PRA investor incentive payments made by the HAMP program administrator to mortgage loan holders are treated as payments on the mortgage loans by the United States government on behalf of the borrowers. These payments are generally not taxable to the borrowers under the general welfare doctrine.

If the principal amount of a mortgage loan is reduced by an amount that exceeds the total amount of the PRA investor incentive payments made to the mortgage loan holder, the borrower may be required to include the excess amount in gross income as income from the discharge of indebtedness. However, many borrowers will qualify for an exclusion from gross income.

For example, a borrower may be eligible to exclude the discharge of indebtedness income from gross income if (1) the discharge of indebtedness occurs (in other words, the loan is modified) before Jan. 1, 2014, and the mortgage loan is qualified principal residence indebtedness, or (2) the discharge of indebtedness occurs when the borrower is insolvent. For additional exclusions that may apply, see Publication 4681. Canceled Debts, Foreclosures, Repossessions, and Abandonments (for Individuals).

Borrowers receiving aid under the HAMP–PRA program may report any discharge of indebtedness income — whether included in, or excluded from, gross income — either in the year of the permanent modification of the mortgage loan or ratably over the three years in which the mortgage loan principal is reduced on the servicer’s books. Borrowers who exclude the discharge of indebtedness income must report both the amount of the income and any resulting reduction in basis or tax attributes on Form 982. Reduction of Tax Attributes Due to Discharge of Indebtedness (and Section 1082 Basis Adjustment).

Guidance on Tax Consequences to Mortgage Loan Holders

The guidance issued today explains that mortgage loan holders are required to file a Form 1099-C with respect to a borrower who realizes discharge of indebtedness income of $600 or more for the year in which the permanent modification of the mortgage loan occurs. This rule applies regardless of when the borrower chooses to report the income (that is, in the year of the permanent modification or one-third each year as the mortgage loan principal is reduced) and regardless of whether the borrower excludes some or all of the amount from gross income.

Penalty relief is provided for mortgage loan holders that fail to timely file and furnish required Forms 1099-C, as long as certain requirements described in the guidance are satisfied.

Details are in Revenue Procedure 2013-16 available on IRS.gov.

Page Last Reviewed or Updated: 03-Nov-2015


IRS Announces Guidance on the Principal Reduction Alternative Offered in the Home Affordable Modification Program


#mortgage reduction

#

Like – Click this link to Add this page to your bookmarks Share – Click this link to Share this page through email or social media Print – Click this link to Print this page

IRS Announces Guidance on the Principal Reduction Alternative Offered in the Home Affordable Modification Program (HAMP)

IR-2013-8, Jan. 24, 2013

WASHINGTON — The Internal Revenue Service today announced guidance to borrowers, mortgage loan holders and loan servicers who are participating in the Principal Reduction Alternative SM offered through the Department of the Treasury’s and Department of Housing and Urban Development’s Home Affordable Modification Program ® (HAMP-PRA ® ).

To help financially distressed homeowners lower their monthly mortgage payments, Treasury and HUD established HAMP, which is described at www.makinghomeaffordable.gov. Under HAMP-PRA, the principal of the borrower’s mortgage may be reduced by a predetermined amount called the PRA Forbearance Amount if the borrower satisfies certain conditions during a trial period. The principal reduction occurs over three years.

More specifically, if the loan is in good standing on the first, second and third annual anniversaries of the effective date of the trial period, the loan servicer reduces the unpaid principal balance of the loan by one-third of the initial PRA Forbearance Amount on each anniversary date. This means that if the borrower continues to make timely payments on the loan for three years, the entire PRA Forbearance Amount is forgiven. To encourage mortgage loan holders to participate in HAMP–PRA, the HAMP program administrator will make an incentive payment to the loan holder (called a PRA investor incentive payment) for each of the three years in which the loan principal balance is reduced.

Guidance on Tax Consequences to Borrowers

The guidance issued today provides that PRA investor incentive payments made by the HAMP program administrator to mortgage loan holders are treated as payments on the mortgage loans by the United States government on behalf of the borrowers. These payments are generally not taxable to the borrowers under the general welfare doctrine.

If the principal amount of a mortgage loan is reduced by an amount that exceeds the total amount of the PRA investor incentive payments made to the mortgage loan holder, the borrower may be required to include the excess amount in gross income as income from the discharge of indebtedness. However, many borrowers will qualify for an exclusion from gross income.

For example, a borrower may be eligible to exclude the discharge of indebtedness income from gross income if (1) the discharge of indebtedness occurs (in other words, the loan is modified) before Jan. 1, 2014, and the mortgage loan is qualified principal residence indebtedness, or (2) the discharge of indebtedness occurs when the borrower is insolvent. For additional exclusions that may apply, see Publication 4681. Canceled Debts, Foreclosures, Repossessions, and Abandonments (for Individuals).

Borrowers receiving aid under the HAMP–PRA program may report any discharge of indebtedness income — whether included in, or excluded from, gross income — either in the year of the permanent modification of the mortgage loan or ratably over the three years in which the mortgage loan principal is reduced on the servicer’s books. Borrowers who exclude the discharge of indebtedness income must report both the amount of the income and any resulting reduction in basis or tax attributes on Form 982. Reduction of Tax Attributes Due to Discharge of Indebtedness (and Section 1082 Basis Adjustment).

Guidance on Tax Consequences to Mortgage Loan Holders

The guidance issued today explains that mortgage loan holders are required to file a Form 1099-C with respect to a borrower who realizes discharge of indebtedness income of $600 or more for the year in which the permanent modification of the mortgage loan occurs. This rule applies regardless of when the borrower chooses to report the income (that is, in the year of the permanent modification or one-third each year as the mortgage loan principal is reduced) and regardless of whether the borrower excludes some or all of the amount from gross income.

Penalty relief is provided for mortgage loan holders that fail to timely file and furnish required Forms 1099-C, as long as certain requirements described in the guidance are satisfied.

Details are in Revenue Procedure 2013-16 available on IRS.gov.

Page Last Reviewed or Updated: 03-Nov-2015


Alcoholics Anonymous (AA) is self-help group, organised through an international organization of recovering alcoholics, that


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Alcoholics Anonymous (AA) is self-help group, organised through an international organization of recovering alcoholics, that offers emotional support and a model of abstinence for people recovering from alcohol dependence using a 12-step approach.

As well as AA, there are also alternative interventions based on 12-step type programmes, some self-help and some professionally-led. AA and other 12-step approaches are typically based on the assumption that substance dependence is a spiritual and a medical disease. The available experimental studies did not demonstrate the effectiveness of AA or other 12-step approaches in reducing alcohol use and achieving abstinence compared with other treatments, but there were some limitations with these studies. Furthermore, many different interventions were often compared in the same study and too many hypotheses were tested at the same time to identify factors which determine treatment success.

No experimental studies unequivocally demonstrated the effectiveness of AA or TSF approaches for reducing alcohol dependence or problems. One large study focused on the prognostic factors associated with interventions that were assumed to be successful rather than on the effectiveness of interventions themselves, so more efficacy studies are needed.

Read the full abstract.

Alcoholics Anonymous (AA) is an international organization of recovering alcoholics that offers emotional support through self-help groups and a model of abstinence for people recovering from alcohol dependence, using a 12-step approach. Although it is the most common, AA is not the only 12-step intervention available there are other 12-step approaches (labelled Twelve Step Facilitation (TSF)).

To assess the effectiveness of AA or TSF programmes compared to other psychosocial interventions in reducing alcohol intake, achieving abstinence, maintaining abstinence, improving the quality of life of affected people and their families, and reducing alcohol associated accidents and health problems.

We searched the Specialized Register of Trials of the Cochrane Group on Drugs and Alcohol, the Cochrane Central Register of Controlled Trials (CENTRAL), MEDLINE from 1966, EMBASE from 1980, CINAHL from 1982, PsychINFO from 1967. Searches were updated in February 2005. We also inspected lists of references for relevant studies.

Studies involving adults ( 18) of both genders with alcohol dependence attending on a voluntary or coerced basis AA or TSF programmes comparing no treatment, other psychological interventions, 12-step variants.

Data collection and analysis:

One reviewer (MF) assessed studies for inclusion and extracted data using a pre-defined data extraction form. Studies were evaluated for methodological quality and discussed by all reviewers.

Eight trials involving 3417 people were included. AA may help patients to accept treatment and keep patients in treatment more than alternative treatments, though the evidence for this is from one small study that combined AA with other interventions and should not be regarded as conclusive. Other studies reported similar retention rates regardless of treatment group. Three studies compared AA combined with other interventions against other treatments and found few differences in the amount of drinks and percentage of drinking days. Severity of addiction and drinking consequence did not seem to be differentially influenced by TSF versus comparison treatment interventions, and no conclusive differences in treatment drop out rates were reported. Included studies did not allow a conclusive assessment of the effect of TSF in promoting complete abstinence.

You may also be interested in:


IRS Announces Guidance on the Principal Reduction Alternative Offered in the Home Affordable Modification Program


#mortgage reduction

#

Like – Click this link to Add this page to your bookmarks Share – Click this link to Share this page through email or social media Print – Click this link to Print this page

IRS Announces Guidance on the Principal Reduction Alternative Offered in the Home Affordable Modification Program (HAMP)

IR-2013-8, Jan. 24, 2013

WASHINGTON — The Internal Revenue Service today announced guidance to borrowers, mortgage loan holders and loan servicers who are participating in the Principal Reduction Alternative SM offered through the Department of the Treasury’s and Department of Housing and Urban Development’s Home Affordable Modification Program ® (HAMP-PRA ® ).

To help financially distressed homeowners lower their monthly mortgage payments, Treasury and HUD established HAMP, which is described at www.makinghomeaffordable.gov. Under HAMP-PRA, the principal of the borrower’s mortgage may be reduced by a predetermined amount called the PRA Forbearance Amount if the borrower satisfies certain conditions during a trial period. The principal reduction occurs over three years.

More specifically, if the loan is in good standing on the first, second and third annual anniversaries of the effective date of the trial period, the loan servicer reduces the unpaid principal balance of the loan by one-third of the initial PRA Forbearance Amount on each anniversary date. This means that if the borrower continues to make timely payments on the loan for three years, the entire PRA Forbearance Amount is forgiven. To encourage mortgage loan holders to participate in HAMP–PRA, the HAMP program administrator will make an incentive payment to the loan holder (called a PRA investor incentive payment) for each of the three years in which the loan principal balance is reduced.

Guidance on Tax Consequences to Borrowers

The guidance issued today provides that PRA investor incentive payments made by the HAMP program administrator to mortgage loan holders are treated as payments on the mortgage loans by the United States government on behalf of the borrowers. These payments are generally not taxable to the borrowers under the general welfare doctrine.

If the principal amount of a mortgage loan is reduced by an amount that exceeds the total amount of the PRA investor incentive payments made to the mortgage loan holder, the borrower may be required to include the excess amount in gross income as income from the discharge of indebtedness. However, many borrowers will qualify for an exclusion from gross income.

For example, a borrower may be eligible to exclude the discharge of indebtedness income from gross income if (1) the discharge of indebtedness occurs (in other words, the loan is modified) before Jan. 1, 2014, and the mortgage loan is qualified principal residence indebtedness, or (2) the discharge of indebtedness occurs when the borrower is insolvent. For additional exclusions that may apply, see Publication 4681. Canceled Debts, Foreclosures, Repossessions, and Abandonments (for Individuals).

Borrowers receiving aid under the HAMP–PRA program may report any discharge of indebtedness income — whether included in, or excluded from, gross income — either in the year of the permanent modification of the mortgage loan or ratably over the three years in which the mortgage loan principal is reduced on the servicer’s books. Borrowers who exclude the discharge of indebtedness income must report both the amount of the income and any resulting reduction in basis or tax attributes on Form 982. Reduction of Tax Attributes Due to Discharge of Indebtedness (and Section 1082 Basis Adjustment).

Guidance on Tax Consequences to Mortgage Loan Holders

The guidance issued today explains that mortgage loan holders are required to file a Form 1099-C with respect to a borrower who realizes discharge of indebtedness income of $600 or more for the year in which the permanent modification of the mortgage loan occurs. This rule applies regardless of when the borrower chooses to report the income (that is, in the year of the permanent modification or one-third each year as the mortgage loan principal is reduced) and regardless of whether the borrower excludes some or all of the amount from gross income.

Penalty relief is provided for mortgage loan holders that fail to timely file and furnish required Forms 1099-C, as long as certain requirements described in the guidance are satisfied.

Details are in Revenue Procedure 2013-16 available on IRS.gov.

Page Last Reviewed or Updated: 03-Nov-2015


Psychologist phd #laurie #betito, #syndicated #radio #host, #psychologist, #montreal #psychologist, #montreal #clinical #psychologist, #specialist #in


#

Hi. How can I help you?

Dr. Laurie is a Licensed Clinical Psychologist with a specialty in Sex Therapy, and has been a practicing Psychotherapist for over 25 years. Her professional activities and experiences are diverse. More than 25 years ago, she began a career in radio when, as a co-host, she joined the team of MIX 96 in Montreal; a station that broke barriers when it introduced a call-in show (The Love Line ), airing once per week, all about sex and relationships. In 1999, she joined CJAD 800 with her own talk show (this time nightly), once again about sex and relationships. Her syndicated show, PASSION is the only show of its kind on Canadian airwaves. Learn more »

The Pleasure Principle: The Secret to a Better Sex Life | Laurie Betito | TEDxMontrealWomen

Watch Dr. Laurie’s TedX talk on Passion vs. sex: ensuring the viability of your relationship

The Sex Bible For People Over 50: The Complete Guide To Sexual Love For Mature Couples

Sex post-50 can be the best ever but it requires a different skill-set — more communication, longer foreplay, different positions, sexual toys and aids — to stay hot and exciting. It also needs to accommodate the myriad of physical, emotional, and social changes that happen in late middle-age. Author Dr. Laurie Betito gives readers techniques for reconnecting with their partners, bringing experimentation in long-term sexual relationships, and tips on how to handle sex and dating post-50. The Sex Bible For People Over 50 addresses common physical and sexual issues that 50+ couples encounter and provides tips and solutions that are fun and exciting such as modified positions or the use of sexual toys and aids. It also shows readers how to build new sexual skills by providing exercises and new ways to enjoy sexual pleasure on their own and with their partner.

Purchase the book now at Indigo bookstores, Amazon.com. or purchase the e-book version by clicking here.

Connect with me


Online Course: Wellness Coaching 101 – CEU Certification #wellness #course, #online #course #class #video #tutorial


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Online Class: Wellness Coaching

Course Description

Wellness coaching is a relatively new field, intriguing anyone who desires to get all areas of their life into balance. This Wellness Coaching course is a general survey course designed to give you a well-rounded introduction to this exciting discipline. This self-paced class is designed to appeal to both potential clients of wellness coaching, as well as anyone interested in pursuing this career opportunity.

Explore the main concentrations of wellness coaching–physical wellness, mind wellness, spiritual wellness, and financial wellness. While it’s not necessary for every person to work on all of these areas, it is a wonderful and comprehensive profession for anyone with a wide variety of interests and the desire to be in charge of their own career.

Wellness coaches can set their own schedule, pay rates, choose their clientele, work from nearly any location, and enjoy unlimited creativity and flexibility in their coaching approach. For potential wellness coaching clients, it’s important to know what wellness coaching can and cannot offer.

This course can also teach you enough basics that you may be able to apply the lessons to yourself and get the help you need without further expense or consultation. Wellness coaching can help you identify and set realistic, measurable goals, remember and act on the joys and positive memories of childhood through exploration of the five senses, and unlock the creative energy that lies in each of us.

8/4/2017 12:35:01 PM

Lesson One: Why Choose Wellness Coaching?

Wellness coaching is a relatively new phenomenon. Not only can students benefit from applying the basics of wellness coaching to their own lives, but they can take what they know and funnel it into a new career.

  • Lesson Two: Your First Client is You

    In wellness coaching, the first and most important client is always you. Clients will pick up on your balance, your energy, your wellness. You are not going to sell them on your services if you do not practice what you preach.

  • Lesson Three: How Do I Know if It Is Working?

    What does it mean to have a goal? If you have a goal to change your physical wellness, how will you know if you are successful? Is it a feeling? Is it something more tangible?

  • Lesson Four: Fact Versus Fiction in Wellness Coaching

    Since wellness coaching is a still-developing career, coaches and clients may be uncertain about what can be accomplished. This lesson will separate fact from fiction, as well as clue you in to untold client expectations.

  • Lesson Five: Why We Get Stuck and How to Get Going Again

    At some point, either the coach or the client will get stuck. It is a phase and it can be beneficial. But there are some tips for getting through this time and learning from it.

  • Lesson Six: Body Wellness

    It seems obvious–eat well, exercise regularly, get plenty of sleep–for good health. Body wellness also includes respect, trust, education, and a bit of objectivity.

  • Lesson Seven: Mind Wellness

    Mind wellness is more than mental health. It is positivity, it is attitude, and it is acknowledging that each of your five senses contributes to wellness. Creativity is also an important element to mind wellness and it exists in everyone.

  • Lesson Eight: Spiritual Wellness

    Not every client will want or need to address spiritual wellness. Not every coach will want to address the topic. This lesson simply presents the basics of spirituality in wellness coaching; the rest is up to client and coach.

  • Lesson Nine: Economic Wellness

    This lesson is about letting go of the white picket fence dream, forgetting about keeping up with the Johnsons, and finding how economic wellness complements other areas of wellness.

  • Lesson 10: Staying Balanced in Times of Crisis

    Times of crisis are so stressful and all-consuming that it is easy to lose focus. Through the lens of crisis, everything looks bigger and more impossible to handle.

  • Lesson 11: Ethics of Wellness Coaching

    In the future, it is expected that different areas of coaching will have ethical codes. For the time being, this is at the wellness coach’s discretion.

  • Lesson 12: Business Strategies for Wellness Coaching

    Few wellness coaches will be able to start by hanging their shingle outside the door. While an office is not necessary for successful coaching practices, some sort of business strategy or plan will be.

  • Additional Course Information

    • Document Your Lifelong Learning Achievements
    • Earn an Official Certificate Documenting Course Hours and CEUs
    • Verify Your Certificate with a Unique Serial Number Online
    • View and Share Your Certificate Online or Download/Print as PDF
    • Display Your Certificate on Your Resume and Promote Your Achievements Using Social Media

    Course Title: Wellness Coaching

    Course Number: 7550363

    Learning Outcomes

    By successfully completing this course, students will be able to:

    • Know what wellness coaching is and whether or not it is right for you.
    • Define who the first client is.
    • Describe methods to determine whether or not your wellness coaching is effective.
    • Know fact versus fiction in wellness coaching.
    • Define ways to get out of the rut people find themselves in.
    • Know body wellness.
    • Know mind wellness.
    • Know spiritual wellness.
    • Know economic wellness.
    • Describe staying balanced in times of crisis.
    • Know ethics of wellness coaching.
    • Know business strategies for wellness coaching, and
    • Demonstrate mastery of lesson content at levels of 70% or higher.

    Student Testimonials

    • “I have really enjoyed doing this class as I have already completed a life coaching course in Australia and I can tell you it cost me a whole lot more money yet didn’t teach me nearly as much as I have learn’t with this one. Karen was great, I bet she is as nice as her writing. I am so glad I took this class it has given me so much more that I feel really confident in starting my business now, didn’t feel this way not too long ago, thank you for a great class. I have really enjoyed doing this class as I have already completed a life coaching course in Australia and I can tell you it cost me a whole lot more money yet didn’t teach me nearly as much as I have learn’t with this one. Karen was great, I bet she is as nice as her writing. I am so glad I took this class it has given me so much more that I feel really confident in starting my business now, didn’t feel this way not too long ago, thank you for a great class!” — Ann A.
    • “This was my first experience with UniversalClass as well as my first experience taking an online course, and I was very pleased. I loved being able to work at my own pace, and I felt that the quality and quantity of instruction was a good value for the money. I would definitely considering taking another course through UniversalClass. This was my first experience with UniversalClass as well as my first experience taking an online course, and I was very pleased. I loved being able to work at my own pace, and I felt that the quality and quantity of instruction was a good value for the money. I would definitely considering taking another course through UniversalClass.” — Jonelle V.

    Related Courses


    Capital Solutions Bancorp #working #capital #solutions, #flexible #working #capital, #alternative #financing, #cash #flow #improvement


    #

    Start Growing.

    You’re a success story waiting to happen!

    Banks will want to see your financial statements before they approve your loan, but at Capital Solutions Bancorp, we understand that your financials reflect where you were, not where you’re headed.

    It’s like making all your customers COD!

    Expect to see 99% of your receivables financed the same day you submit your invoices … in as little as 30 minutes!

    • Access wired funds immediately
    • Take only what you need, only when you need it
    • If one of your clients goes bankrupt and cannot pay, we take the loss, not you!

    View All Testimonials

    With ample cash flow, you can:

    • Have needed resources to get new clients -with confidence.
    • Cut worries in making payroll, tax payments, and dealing with daily cash flow issues.
    • Gain confidence in handling any cash flow situation.
    • Keep staff turnover low.
    • Win and consolidate your market share

    . Carlos, I have said it numerous times before, I will say it again, Western Medical Services would never have been able to achieve what has been achieved without you and the staff of Capital Solutions . I am truly grateful.

    Sylvia Pena Benson,
    President – Western Medical Services

    American Quality Embroidery could not have achieved what it has with out Capital Solutions. SOLUTIONS in ‘Capital Solutions’ should always be all caps because your company certainly was the solution to our problems.

    Robert Kalinowski,
    President

    Almost a year has gone by and I can confirm Capital Solutions has been true to the saying ‘under-promise and over-deliver’… I have tripled (repeat, tripled!) my business… thanks to the fact that I can make sales and customer service the central point of my every-day. I also appreciate your experience and the unobtrusive way you deal with my clients.

    Edward Kennedy,
    President

    Get Flexible Funding In 7 Days or Less


    Solar Power Information and Facts #solar #energy, #solar #technology, #alternative #energy, #sun #power, #electricity, #solar


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    Solar Energy

    Photograph by Otis Imboden

    Solar energy is the technology used to harness the sun’s energy and make it useable. As of 2011. the technology produced less than one tenth of one percent of global energy demand.

    Many are familiar with so-called photovoltaic cells, or solar panels, found on things like spacecraft, rooftops, and handheld calculators. The cells are made of semiconductor materials like those found in computer chips. When sunlight hits the cells, it knocks electrons loose from their atoms. As the electrons flow through the cell, they generate electricity.

    On a much larger scale, solar-thermal power plants employ various techniques to concentrate the sun’s energy as a heat source. The heat is then used to boil water to drive a steam turbine that generates electricity in much the same fashion as coal and nuclear power plants, supplying electricity for thousands of people.

    How to Harness Solar Power

    In one technique, long troughs of U-shaped mirrors focus sunlight on a pipe of oil that runs through the middle. The hot oil then boils water for electricity generation. Another technique uses moveable mirrors to focus the sun’s rays on a collector tower, where a receiver sits. Molten salt flowing through the receiver is heated to run a generator.

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    Other solar technologies are passive. For example, big windows placed on the sunny side of a building allow sunlight to heat-absorbent materials on the floor and walls. These surfaces then release the heat at night to keep the building warm. Similarly, absorbent plates on a roof can heat liquid in tubes that supply a house with hot water.

    Solar energy is lauded as an inexhaustible fuel source that is pollution- and often noise-free. The technology is also versatile. For example, solar cells generate energy for far-out places like satellites in Earth orbit and cabins deep in the Rocky Mountains as easily as they can power downtown buildings and futuristic cars.

    Pitfalls

    Solar energy doesn’t work at night without a storage device such as a battery, and cloudy weather can make the technology unreliable during the day. Solar technologies are also very expensive and require a lot of land area to collect the sun’s energy at rates useful to lots of people.

    Despite the drawbacks, solar energy use has surged at about 20 percent a year over the past 15 years, thanks to rapidly falling prices and gains in efficiency. Japan, Germany, and the United States are major markets for solar cells. With tax incentives, and efficient coordination with energy companies. solar electricity can often pay for itself in five to ten years.


    Islamic mortgage alternative payment calculator #mortgage #modification #program


    #islamic mortgage

    #

    Home Purchase Plan is more affordable than ever

    Rental Rates from 2.44% (fixed) and 2.64% (discounted variable)

    Rental rates above require minimum 40% deposit. Fixed Rental Rate fixed until 31 December 2018 and Discounted Variable Rental Rate discounted until 31 December 2018. Subject to status, terms and conditions apply.

    Important Notice

    Enhancements to your online banking service:

    Al Rayan Bank has been working hard to improve the ways in which you can manage your accounts, with the aim of making your banking with us as convenient as possible. We have, therefore, added the following functionality to your online banking facility:

    • You can apply for our range of savings products online without the need to print and return application forms and other documents. In most cases you will be able to open accounts in a few minutes
    • You can deposit money into your new Al Rayan Bank savings account by using your debit card or setting up a regular Direct Debit
    • Online bank statements covering the last 12 months to date are available to view and print
    • A range of notifications can be set up to help you manage your account more efficiently. For example, you can opt to receive emails to let you know when your account reaches a certain balance or when a debit leaves your account

    Please note that the browsers currently supported by our online banking facility include Microsoft Internet Explorer 8, 9, 10 and 11, Google Chrome, Apple Safari and Firefox.

    If you do not currently use any of these browsers, you can download your preferred one either from the Microsoft, Google or Apple websites.

    CryptoLocker ransomware spreading fast

    Fraudsters are spamming millions of people with emails that appear to be from banks and other financial institutions that carry CryptoLocker ransomware. The National Crime Agency (NCA) says the emails have been sent to millions of people.

    Encrypts the files on your PC

    The emails carry malicious files that disguise themselves as correspondence (for example, a voicemail, fax, details of a suspicious transaction or invoices for payment). The emails actually carry CryptoLocker ransomware. Once installed CryptoLocker works by encrypting personal files such as, photos, music, office documents etc. Once the files have been encrypted CryptoLocker displays a screen with a countdown timer and a demand for the payment.

    The NCA’s National Cyber Crime Unit (NCCU) says you should never send the payment of a ransom to criminals as there is no guarantee that they would honor the payments in any event.

    CryptoLocker prevention advice

    • Do not to click or download unsolicited email attachments.
    • Update your Antivirus software and operating systems regularly.
    • Back up all your important files and store them off your network.
    • Where a computer becomes infected it should be disconnected from the network, and professional assistance should be sought to clean the computer.

    Various antivirus companies offer remedial software solutions (although they will not be able to restore encrypted files).

    Important

    • Keep your passwords safe at all times and do not write them down. You should never tell anyone your password
    • Beware of emails that ask you to confirm your password or other details. ( We will never send you an email asking for your password or other security details )
    • Ensure no-one is watching you logon. Avoid using public or shared facilities such as Internet Cafes or other people’s computers to access your banking services
    • Keep your firewall on

    Home purchase plan payment calculator

    How much will my payments be?

    Buying or refinancing a property is a major decision. To help you make the right choice, we have produced a calculator to give an indication of the payments that you would need to make. Please use the calculator to consider your options, or go to our secure online Agreement in Principle which allows you to proceed to an online application form

    There are some errors on the form.
    Please review and correct the fields below in order to submit this form!

    You must select a product type

    Please enter a Finance period
    (must be between 7 and 30 years)

    Finance amount Product type Finance period Years

    Your calculated monthly payments: £0

    Your calculated monthly payments: £0

    Now that you know what your likely monthly payments for a set amount of finance might be, you should consider how much you can comfortably afford each month.

    The calculator below will give you an indication, after you have input your total income (after tax) that you receive each month, and also your total monthly financial commitments. ‘Financial commitments’ means any other finance products you are paying for, so include loans, store or credit card monthly payments, plus any other payments.

    Financial commitments

    First applicant net monthly income Second applicant income/Other applicants net monthly income Any monthly financial commitments

    Maximum estimated affordable payment: £0