Help! I m Underwater on My Mortgage #stonegate #mortgage


#underwater mortgage help

#

Help! I’m Underwater on My Mortgage

Updated January 01, 2016

If you bought a home before the bubble burst, you may find that you owe more money than what your home is currently worth. This is a very frustrating situation because you owe money that you may never gain back as the equity in your home rises. It can be especially difficult if you find yourself in a position where you need to sell your home, but you will not get enough from a sale to cover the remainder of the mortgage.

If you took out an FHA loan. you may not have any real equity in your home, which makes it difficult to sell in the future. Additionally, if you took out a home equity line for home repairs. you may be even worse off with two loans tied to your home. Learn four questions you should ask yourself if you find yourself underwater on your mortgage.

Will You Have Time to Let The Market Recover?

First, you need to consider your current situation and whether or not you need to worry about the fact that you owe more than your home is currently worth. If you are in a situation where you can continue to live in your home, and you can continue to afford your monthly payments, then it would be best if you just waited out the current situation. This means that you will not move, and eventually your mortgage will equal the value of the home. This will happen in two ways; your current payments will reduce the amount you owe, while at the same time.

The value of your home should recover and begin to rise. While this may happen, your home may take several years to reach the value of what you originally paid for it. If you are in the situation it is best to look at the long-term picture and realize that you will not always be underwater on your mortgage.

Are You Having a Hard Time Making Your Payments?

If you are in a situation where you can no longer afford the payments on your home, you will need to take a different approach to the situation. The first thing you need to do is to see if you qualify for one of the refinancing options available through your mortgage company. Many mortgage companies are reluctant to refinance if they see you owe more than your home is worth. However, the government has set up programs that you may qualify for that will make it easier to refinance. While you cannot just erase the amount that you owe, you can get a better interest rate and rework the loan so that you can afford your monthly payment. Be sure that you find a loan with a fixed APR to prevent the interest rate from rising and increasing your monthly payment.

Are You Trying to Sell Your Home?

If you are in a situation where you need to sell, because you are moving or because you will not be able to afford the home, even with a restructured payment, then you need to consider your options.

The first is to consider a short sale on the home. This is where you work with the bank to accept less money than the loan is worth in order to sell the home. Many banks will work with you if you are already behind on payments or if you are close to going into foreclosure. Some banks will forgive the difference between the selling price and the amount you owe. Others may want you to agree to pay the difference by taking out an unsecured loan. It is important to consider the alternatives to foreclosure. especially if you can t sell your home right now .

Is Foreclosure Your Best Option?

Another option is to go into foreclosure. This means that you simply walk away from the home and turn it over to the bank. If you miss payments, then the bank may put you into foreclosure automatically. You can also contact your bank and let them know that you are giving up the home. The bank may come after you and request that you pay the difference in what they sold the home for and what you owed on the mortgage. This option will hurt your credit the most, and should be a last resort, be sure that you consider all alternatives to foreclosure.

Even though it can be frustrating, you will need to communicate with your bank as you make a decision regarding trying to do a short sale or to let your home go into foreclosure. This will let you know that you tried to work out a solution and that you did not just give up on the home.


Paramount Global M #citifinancial #mortgage


#paramount mortgage

#

Hassle free investment

Investment secured by real estate

Stable cash flow

What We Invest

What is Mortgage Investment Corporation (MIC)?

Mortgage Investment Corporation or MIC is an investment and lending company designed specifically for mortgage lending in Canada. Governed by Section 130.1 of the Income Tax Act, MICs pay no corporate tax and act as flow-through entities and have to pay out all their taxable income in the form of dividends. Owning shares in a mortgage investment corporation enables you to invest in a company which manages a diversified pool of mortgages.

WHERE THE MONEY GOES

Sample Case 1: text123
Property location: Midtown, Torotno
Property Value: $1,500,000, Single family house
Borrowing Amount: $150,000
LTV: 77%
Term: 1Y
Return: 10%
Borrower info: Lawyer, Borrow money for closing his new house

Sample Case 2: Text123
Property location: Ajax, Ontario
Property Value: $600,000, Single family house
Borrowing Amount: $30,000
LTV: 84%
Term: 6 month
Return: 12%
Borrower info: Car mechanics, pay off debt

Sample Case 3: Text 123
Property location: Oakville, Ontario
Property Value: $900,000, Single family house
Borrowing Amount: $80,000
LTV: 81%
Term: 1Y
Return: 11%
Borrower info: Online business in cosmetics, renovating the house

Fund Fact

Management Team

VICKY HUANG (CEO)

Vicky is responsible for overseeing the day-to-day operations of the firm, building both new and existing business, and implementing overall strategy.

Vicky is the co-founder of Bay Street Real Estate Investment and Ubene Technologies. Vicky has developed a reputation for leading from the front line, working with teams and clients in developing and executing business plans which resulted in the advancement of the key strategic initiatives of each firm. Vicky had worked years in the capital market department of TD, RBC and IBM. Vicky obtained her Master degree from University of Toronto in 2005, and has completed the Real Estate Management Program from Harvard Business School in 2012.

Cindy Shen (President)

Cindy is a serial entrepreneur, with a passion for building financial companies and technologies to make lending easier and faster for everyone involved. Cindy has more than a decade of banking experience, and is a private lender herself, building a pipeline of deals exceeding 10 million in the first year. She is also CEO of a SAP technology company, servicing Fortune 500 clients in Canada and US. Cindy is a graduate of Ivey School of Business at the University of Western Ontario.

JEFF LEVY (Lawyer)

Jeff is responsible for advising and counselling on mortgages and mortgage transactions.

Jeff is the managing partner at and co-founder of Levy Zavet PC, Lawyers. Jeff is practicing primarily in the areas of real estate, mortgages, corporate law, corporate finance, mergers and acquisitions, tax law, commercial finance and estate planning. Jeff is extremely experienced in drafting mortgage loan agreements and structuring multi-collateral, diverse payments and elaborate recovery provisions in every unique situation. His long history of experience in mortgage enforcement, power of sale, and foreclosures, has given him the knowledge to foretell viable exit strategies at the loan origination stage of almost every single mortgage deal.

Investment Strategy & Risk Management

How to Invest

What types of mortgages does Paramount Global MIC invest in and where?

We offer 1st and 2nd mortgages up to a loan to value of 80%. We lend on residential property located in urban and suburban areas. We focus on properties that are highly marketable.

How does Paramount Global MIC find mortgage borrowers?

Paramount Global MIC focuses on residential properties in urban and suburban areas that are highly marketable. Paramount Global MIC’s clients are self-employed, new immigrants and borrowers with soft, poor or no credit. We mitigate the risk with our proprietary underwriting model

We deal strictly through licensed mortgage brokers and licensed agents. There are reportedly over 10,000 mortgage brokers and agents in Ontario. These represent our external sales force; identifying and referring mortgage.

Are Paramount Global MIC regulated?

Yes. In fact, in 1972, the Canadian government created provisions within the Residential Mortgage Financing Act to specifically allow for the creation of mortgage investment corporations. Paramount Global MIC is also specifically regulated by Financial Services Commission of Ontario (FSCO), the Ontario Securities Commission (OSC), along with other securities regulators. Generally accepted accounting principles (GAAP) also apply. In other words, we’re audited, regulated and adhere to strict financial guidelines.

How is the mortgage market regulated?

In the province of Ontario the Financial Services Commission of Ontario (FSCO) licenses and regulates all mortgage brokers, agents and administrators. The Manager is a licensed administrator in Ontario.

What are the benefits of MIC investing?

  1. Real Estate Security: Mortgages purchased by the MIC are secured by Canadian Residential Real Estate.
  2. RRSP /TFSA/RESP Eligible: Hold your RiverRock MIC in a self-directed RRSP/TFSA/RESP.
  3. Superior Returns: Earn 8% per year compared with 1% on GICs
  4. Professional Management: The managers of Paramount Global MIC have years of mortgage investment experience.
  5. Diversification: Investors own a diversified portfolio of mortgage loans.
  6. Regular Income: Investors receive their dividends on a monthly basis.

What risks are associated with investing in a MIC?

All our mortgages are registered on the title of the property. We know the market, and the homes you drive by everyday. We lend based on the appraisal value done by professional appraisers. Our maximum loan value ratio is set at 80%.

Our mortgages have the same legal security as the mortgages from banks or other institutional lenders. All related legal work is performed by a lawyer or notary public for Paramount Global MIC. There is no guaranty, however your investment will not fluctuate.

Although real estate investing is considered one of the safest investments, risks still exist in mortgage lending. All property investments are subject to elements of risk. Property value is affected by general economic conditions, local real estate markets, the attractiveness of the property to tenants, competition from other available properties and other factors. While independent appraisals are required before the corporation may make any mortgage investment, the appraised values provided therein, even where reported on an “as is” basis, are not necessarily always reflective of the market value of the underlying property, which may fluctuate.

The MICs’ income and funds available for distribution to security holders would be adversely affected if a significant number of borrowers were unable to pay their obligations. Upon default by a borrower,Paramount Global MIC may experience delays in enforcing its’ rights as lender and could incur costs in protecting its investment.

To mitigate these risks, the experienced team of Underwriters at Paramount Global MIC review every application to reduce the possibility of non-performing loans. Furthermore, strict loan to value guidelines and a proactive approach to collections ensure enough equity is available to recover outstanding loan balances in case of foreclosure.

When can I purchase my share? What is the minimum investment?

Preferred shares can be purchased at the beginning of every month. Our minimum investment is $10,000, once the minimum investment has been made, additional shares may be purchased with a minimum increment amount of $5,000.

Is my money locked in? What happens if I die or I need the money?

Paramount Global MIC has a 24 month redemption period with early redemption fee(4% within first year and 2.5% between first and second year). After 24 momths, an investor can withdraw their funds simply by advising us in writing so that a redemption notice received will be effective within 15 days of the end of the quarter following the quarter in which the redemption request is received.

For income tax purposes, the returns that our investors receive are treated as interest, not as dividends.

How do I invest funds from my RRSP, TFSA or RESP in Paramount Global MIC?

Paramount Global MIC h supports investments from within a variety of registered plan types. We have selected COlympia Trust Company as our trustees for this purpose, due in part to their excellent support for MIC investments.


Global Electronic Components Datasheet Locator, m microtouch monitor.#M #microtouch #monitor


#

m microtouch monitor

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M microtouch monitor

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To begin, select a component manufacturer from the left-hand window.

M microtouch monitor

  • What is Datasheet Locator?

Datasheet Locator is a free electronic engineering tool enabling you, from one location, to locate product datasheets from hundreds of electronic component manufacturers worldwide.

  • How do I know the information is accurate?

    Datasheet Locator links to the component manufacturer’s own website, which is the largest, most accurate, and most current resource known to be available. By linking directly to the component manufacturer’s own website you can eliminate the risk of making bad decisions based on incomplete or outdated product specifications stored and provided by other sources.

  • How do I locate the datasheet that I need?

    Some component manufacturers enable you to locate a datasheet by entering a specific part number, while other component manufacturers provide an environment where you must select a product “type” or “series.”

  • How do I know when I can search by part number?

    After you select a component manufacturer, Datasheet Locator determines whether the datasheet is searchable by part number or if further user navigation is required. Datasheet Locator will allow you to enter a part number if the site is searchable, or will link you directly to the primary datasheet source page of the component manufacturer’s website if the site is not searchable.

  • Can I use a partial part number?

    When entering a part number, search results will only be reliable when a complete and exact part number is entered. Each manufacturer has different search methods and entering partial numbers will yield unpredicatable results.

  • Supported Browsers:


  • Chicago Criminal Defense Lawyer – Cook County, Illinois Battery Attorney – Law Office of Chris


    #

    Chicago Criminal Defense Lawyer

    People who have been arrested and charged with a crime need a lawyer they can trust. Someone who not only understands their fears, but, who can guide them through the legal wilderness they are in.

    That s where I come in. My name is Chris Shepherd, a lawyer living in downtown Chicago focusing on the legal needs of people arrested for a misdemeanor or felony in Chicago and throughout Cook County.

    To learn more about me and my practice philosophy, read my Attorney Profile page.

    Here s How I Can Help You

    Most of my clients fall into two categories: a) people who have been arrested for misdemeanors. such as battery. shoplifting or soliciting a prostitute and b) people who have been arrested for felonies such as sexual assault. drug offenses and armed robbery.

    Your Primary Objectives in Misdemeanor Cases

    For clients charged with misdemeanors and some less serious felonies. my primary objectives as a Chicago criminal defense attorney are usually:

    • Getting you through the case with no permanent impact to your record and
    • Getting there in the quickest, least expensive and lowest risk way.

    Today’s job market is extremely competitive and my clients are justifiably concerned with the impact a conviction or guilty plea can have on their earning potential and career prospects.

    Depending on several specific factors, there are usually ways to achieve these goals through negotiations with prosecutors instead of lengthy and expensive litigation.

    For more on this, read my Settlement Options page.

    Your Primary Objectives in Felony Cases

    For clients charged with serious felonies, quick resolutions are usually not an option, so the primary objective is avoiding jail. How do we do this?

    Often at the beginning of a felony case, everything looks like it favors the police and prosecution. After all, if the prosecutor saw a serious weakness, they could easily have declined to bring the case.

    The key in these high stakes cases is to out-think, out-imagine, out-investigate, out-research and out-prepare the other side. Experience teaches that out of court action ensures the greatest possibility of success in court.

    In many cases, there is a single piece of evidence that severely weakens the prosecution s case leading either to total dismissal or a more favorable settlement offer. Securing a video before it is destroyed, finding criminal history in your accuser s background, getting witness statements down on paper before they disappear these are just a few of the many methods that have completely broken cases against my clients.

    For more on this, read my Beat Your Case page.

    Let s Have a Conversation

    If you re the type of person who values experience and discipline in the people who serve you, get in touch. Since 2005, I have helped hundreds facing felony and misdemeanor accusations defeat the charges or at least control the damage they can cause. If there is a way to beat your case, I will find it. If there is a way to settle your case quickly while keeping your record clean, I will find it. On the way, phone calls and email will be answered promptly and you will have direct access to me personally.

    For a free and confidential 15-minute consultation with a Chicago criminal defense lawyer, call me at 312.396.4112 or contact me online.


    Help! I m Underwater on My Mortgage #mortgage #company


    #underwater mortgage help

    #

    Help! I’m Underwater on My Mortgage

    Updated January 01, 2016

    If you bought a home before the bubble burst, you may find that you owe more money than what your home is currently worth. This is a very frustrating situation because you owe money that you may never gain back as the equity in your home rises. It can be especially difficult if you find yourself in a position where you need to sell your home, but you will not get enough from a sale to cover the remainder of the mortgage.

    If you took out an FHA loan. you may not have any real equity in your home, which makes it difficult to sell in the future. Additionally, if you took out a home equity line for home repairs. you may be even worse off with two loans tied to your home. Learn four questions you should ask yourself if you find yourself underwater on your mortgage.

    Will You Have Time to Let The Market Recover?

    First, you need to consider your current situation and whether or not you need to worry about the fact that you owe more than your home is currently worth. If you are in a situation where you can continue to live in your home, and you can continue to afford your monthly payments, then it would be best if you just waited out the current situation. This means that you will not move, and eventually your mortgage will equal the value of the home. This will happen in two ways; your current payments will reduce the amount you owe, while at the same time.

    The value of your home should recover and begin to rise. While this may happen, your home may take several years to reach the value of what you originally paid for it. If you are in the situation it is best to look at the long-term picture and realize that you will not always be underwater on your mortgage.

    Are You Having a Hard Time Making Your Payments?

    If you are in a situation where you can no longer afford the payments on your home, you will need to take a different approach to the situation. The first thing you need to do is to see if you qualify for one of the refinancing options available through your mortgage company. Many mortgage companies are reluctant to refinance if they see you owe more than your home is worth. However, the government has set up programs that you may qualify for that will make it easier to refinance. While you cannot just erase the amount that you owe, you can get a better interest rate and rework the loan so that you can afford your monthly payment. Be sure that you find a loan with a fixed APR to prevent the interest rate from rising and increasing your monthly payment.

    Are You Trying to Sell Your Home?

    If you are in a situation where you need to sell, because you are moving or because you will not be able to afford the home, even with a restructured payment, then you need to consider your options.

    The first is to consider a short sale on the home. This is where you work with the bank to accept less money than the loan is worth in order to sell the home. Many banks will work with you if you are already behind on payments or if you are close to going into foreclosure. Some banks will forgive the difference between the selling price and the amount you owe. Others may want you to agree to pay the difference by taking out an unsecured loan. It is important to consider the alternatives to foreclosure. especially if you can t sell your home right now .

    Is Foreclosure Your Best Option?

    Another option is to go into foreclosure. This means that you simply walk away from the home and turn it over to the bank. If you miss payments, then the bank may put you into foreclosure automatically. You can also contact your bank and let them know that you are giving up the home. The bank may come after you and request that you pay the difference in what they sold the home for and what you owed on the mortgage. This option will hurt your credit the most, and should be a last resort, be sure that you consider all alternatives to foreclosure.

    Even though it can be frustrating, you will need to communicate with your bank as you make a decision regarding trying to do a short sale or to let your home go into foreclosure. This will let you know that you tried to work out a solution and that you did not just give up on the home.


    Best UK Equity and Bond Funds #oeics, #unit #trusts, #fund #prices, #oeic #closing #prices, #fund


    #

    Welcome to Morningstar.co.uk!

    You have been redirected here from Hemscott.com as we are merging our websites to provide you with a one-stop shop for all your investment research needs.

    Get Started: To search for a security, type the name or ticker in the search box at the top of the page and select from the dropdown results.

    Registered Hemscott users can log in to Morningstar using the same login details. Similarly, if you are a Hemscott Premium user, you now have a Morningstar Premium account which you can access using the same login details.

    Morningstar.co.uk contains data, news and research on shares and funds, unique commentary and independent Morningstar research on a broad range of investment products, and portfolio and asset allocation tools to help make better investing decisions.

    For more information:

    • Find out more about Morningstar and the website
    • Read our top tips for getting the most out of Morningstar.co.uk
    • Locate your usual Hemscott.com features on Morningstar.co.uk
    • See a comprehensive list of Morningstar.co.uk features
    • Check the answers to FAQs
    • Contact website support

    Don’t show me this message again

    Welcome to Morningstar.co.uk!

    You have been redirected here from Hemscott.com as we are merging our websites to provide you with a one-stop shop for all your investment research needs.

    Get Started: To search for a security, type the name or ticker in the search box at the top of the page and select from the dropdown results.

    Registered Hemscott users can log in to Morningstar using the same login details. Similarly, if you are a Hemscott Premium user, you now have a Morningstar Premium account which you can access using the same login details.

    Morningstar.co.uk contains data, news and research on shares and funds, unique commentary and independent Morningstar research on a broad range of investment products, and portfolio and asset allocation tools to help make better investing decisions.

    For more information:

    • Find out more about Morningstar and the website
    • Read our top tips for getting the most out of Morningstar.co.uk
    • Locate your usual Hemscott.com features on Morningstar.co.uk
    • See a comprehensive list of Morningstar.co.uk features
    • Check the answers to FAQs
    • Contact website support

    Don’t show me this message again


    Paramount Global M #hamp #mortgage


    #paramount mortgage

    #

    Hassle free investment

    Investment secured by real estate

    Stable cash flow

    What We Invest

    What is Mortgage Investment Corporation (MIC)?

    Mortgage Investment Corporation or MIC is an investment and lending company designed specifically for mortgage lending in Canada. Governed by Section 130.1 of the Income Tax Act, MICs pay no corporate tax and act as flow-through entities and have to pay out all their taxable income in the form of dividends. Owning shares in a mortgage investment corporation enables you to invest in a company which manages a diversified pool of mortgages.

    WHERE THE MONEY GOES

    Sample Case 1: text123
    Property location: Midtown, Torotno
    Property Value: $1,500,000, Single family house
    Borrowing Amount: $150,000
    LTV: 77%
    Term: 1Y
    Return: 10%
    Borrower info: Lawyer, Borrow money for closing his new house

    Sample Case 2: Text123
    Property location: Ajax, Ontario
    Property Value: $600,000, Single family house
    Borrowing Amount: $30,000
    LTV: 84%
    Term: 6 month
    Return: 12%
    Borrower info: Car mechanics, pay off debt

    Sample Case 3: Text 123
    Property location: Oakville, Ontario
    Property Value: $900,000, Single family house
    Borrowing Amount: $80,000
    LTV: 81%
    Term: 1Y
    Return: 11%
    Borrower info: Online business in cosmetics, renovating the house

    Fund Fact

    Management Team

    VICKY HUANG (CEO)

    Vicky is responsible for overseeing the day-to-day operations of the firm, building both new and existing business, and implementing overall strategy.

    Vicky is the co-founder of Bay Street Real Estate Investment and Ubene Technologies. Vicky has developed a reputation for leading from the front line, working with teams and clients in developing and executing business plans which resulted in the advancement of the key strategic initiatives of each firm. Vicky had worked years in the capital market department of TD, RBC and IBM. Vicky obtained her Master degree from University of Toronto in 2005, and has completed the Real Estate Management Program from Harvard Business School in 2012.

    Cindy Shen (President)

    Cindy is a serial entrepreneur, with a passion for building financial companies and technologies to make lending easier and faster for everyone involved. Cindy has more than a decade of banking experience, and is a private lender herself, building a pipeline of deals exceeding 10 million in the first year. She is also CEO of a SAP technology company, servicing Fortune 500 clients in Canada and US. Cindy is a graduate of Ivey School of Business at the University of Western Ontario.

    JEFF LEVY (Lawyer)

    Jeff is responsible for advising and counselling on mortgages and mortgage transactions.

    Jeff is the managing partner at and co-founder of Levy Zavet PC, Lawyers. Jeff is practicing primarily in the areas of real estate, mortgages, corporate law, corporate finance, mergers and acquisitions, tax law, commercial finance and estate planning. Jeff is extremely experienced in drafting mortgage loan agreements and structuring multi-collateral, diverse payments and elaborate recovery provisions in every unique situation. His long history of experience in mortgage enforcement, power of sale, and foreclosures, has given him the knowledge to foretell viable exit strategies at the loan origination stage of almost every single mortgage deal.

    Investment Strategy & Risk Management

    How to Invest

    What types of mortgages does Paramount Global MIC invest in and where?

    We offer 1st and 2nd mortgages up to a loan to value of 80%. We lend on residential property located in urban and suburban areas. We focus on properties that are highly marketable.

    How does Paramount Global MIC find mortgage borrowers?

    Paramount Global MIC focuses on residential properties in urban and suburban areas that are highly marketable. Paramount Global MIC’s clients are self-employed, new immigrants and borrowers with soft, poor or no credit. We mitigate the risk with our proprietary underwriting model

    We deal strictly through licensed mortgage brokers and licensed agents. There are reportedly over 10,000 mortgage brokers and agents in Ontario. These represent our external sales force; identifying and referring mortgage.

    Are Paramount Global MIC regulated?

    Yes. In fact, in 1972, the Canadian government created provisions within the Residential Mortgage Financing Act to specifically allow for the creation of mortgage investment corporations. Paramount Global MIC is also specifically regulated by Financial Services Commission of Ontario (FSCO), the Ontario Securities Commission (OSC), along with other securities regulators. Generally accepted accounting principles (GAAP) also apply. In other words, we’re audited, regulated and adhere to strict financial guidelines.

    How is the mortgage market regulated?

    In the province of Ontario the Financial Services Commission of Ontario (FSCO) licenses and regulates all mortgage brokers, agents and administrators. The Manager is a licensed administrator in Ontario.

    What are the benefits of MIC investing?

    1. Real Estate Security: Mortgages purchased by the MIC are secured by Canadian Residential Real Estate.
    2. RRSP /TFSA/RESP Eligible: Hold your RiverRock MIC in a self-directed RRSP/TFSA/RESP.
    3. Superior Returns: Earn 8% per year compared with 1% on GICs
    4. Professional Management: The managers of Paramount Global MIC have years of mortgage investment experience.
    5. Diversification: Investors own a diversified portfolio of mortgage loans.
    6. Regular Income: Investors receive their dividends on a monthly basis.

    What risks are associated with investing in a MIC?

    All our mortgages are registered on the title of the property. We know the market, and the homes you drive by everyday. We lend based on the appraisal value done by professional appraisers. Our maximum loan value ratio is set at 80%.

    Our mortgages have the same legal security as the mortgages from banks or other institutional lenders. All related legal work is performed by a lawyer or notary public for Paramount Global MIC. There is no guaranty, however your investment will not fluctuate.

    Although real estate investing is considered one of the safest investments, risks still exist in mortgage lending. All property investments are subject to elements of risk. Property value is affected by general economic conditions, local real estate markets, the attractiveness of the property to tenants, competition from other available properties and other factors. While independent appraisals are required before the corporation may make any mortgage investment, the appraised values provided therein, even where reported on an “as is” basis, are not necessarily always reflective of the market value of the underlying property, which may fluctuate.

    The MICs’ income and funds available for distribution to security holders would be adversely affected if a significant number of borrowers were unable to pay their obligations. Upon default by a borrower,Paramount Global MIC may experience delays in enforcing its’ rights as lender and could incur costs in protecting its investment.

    To mitigate these risks, the experienced team of Underwriters at Paramount Global MIC review every application to reduce the possibility of non-performing loans. Furthermore, strict loan to value guidelines and a proactive approach to collections ensure enough equity is available to recover outstanding loan balances in case of foreclosure.

    When can I purchase my share? What is the minimum investment?

    Preferred shares can be purchased at the beginning of every month. Our minimum investment is $10,000, once the minimum investment has been made, additional shares may be purchased with a minimum increment amount of $5,000.

    Is my money locked in? What happens if I die or I need the money?

    Paramount Global MIC has a 24 month redemption period with early redemption fee(4% within first year and 2.5% between first and second year). After 24 momths, an investor can withdraw their funds simply by advising us in writing so that a redemption notice received will be effective within 15 days of the end of the quarter following the quarter in which the redemption request is received.

    For income tax purposes, the returns that our investors receive are treated as interest, not as dividends.

    How do I invest funds from my RRSP, TFSA or RESP in Paramount Global MIC?

    Paramount Global MIC h supports investments from within a variety of registered plan types. We have selected COlympia Trust Company as our trustees for this purpose, due in part to their excellent support for MIC investments.


    Bachelor of Mass Media (BMM) #m #b #a #course


    #

    Bachelor of Mass Media (BMM) in India is a 3 year full time degree course. At present, Bachelor of Mass Media is perhaps one of the most desired and ambitious educational programmes in the country. BMM is a popular course in India and many students apply for this course and opt for media as their career options. This degree programme prepares the students in carving a career in various sectors of the media, both in television and print. Bachelor of Mass Media course has been introduced in the academic year, 2000-2001 by the University of Mumbai. This course has been introduced with the aim to offer the students a concrete ground for developing good communication skills. Further, the course also nurtures the creative skills of the students. Bachelor of Mass Media provides the students with a perfect blend of theoretical programme and practical applications. The course includes through comprehensive research, logical writing skills, verbal presentation skills and a thorough knowledge of several mass media of this information age.

    Eligibility for Bachelor of Mass Media (BMM)
    Students from all streams can apply for the course of Bachelor of Mass Media. Students successfully completing their H.S.C. examination with a minimum of 50% marks in the field of Science, Arts or Commerce are eligible to apply for the Bachelor of Mass Media course. There is an entrance examination in which the prospective students need to sit for and qualify the test in order to get admission. However, the entrance test has been divided into 3 parts – written test, group discussion and personal interview.

    Course Curriculum of Bachelor of Mass Media (BMM)
    Bachelor of Mass Media or BMM includes 6 semesters. Since the programme is of three year duration, in the third year the students need to choose an area of specialisation from among Journalism and Advertising. On-job training is also provided through internship in the second year of this course. Apart from these, seminars, group discussions and field visits are frequently undertaken in the course of three years.

    The subjects included this course is divided into 6 semesters which are covered over a period of three years. These are mentioned below-

    Semester I
    Effective Communication Skills, Fundamentals of Mass Communication, Introduction to Computers, Landmarks to 20th Century World History, Introduction to Sociology and Economy

    Semester II
    Effective Communication Skills, Political Concepts and Indian Political Systems, Principles of Marketing, Introduction to Psychology, Principles of Managment and Introduction to Literature in English

    Semester III
    Introduction to Advertising, Introduction to Journalism, Introduction to Public Relations, Introduction to Media Studies, Introduction to Culture Studies and Introduction to Creative Writing.

    Semester IV
    Mass Media Research, Organisational Behaviour, Understanding Cinema, Radio and Television, Advance Computers and Print Production and Photography

    Specialisation areas in the Final Year
    The specialisation subjects available in the final year of the course are-

    Advertising
    Semester V – Advertising in Contemporary Society, Copywriting, Advertising Design, Consumer Behaviour, Media Planning and Buying and Brand Building

    Semester VI – Advertising and Marketing Research, Legal Environment and Advertising Ethics, Financial Management for Marketing and Advertising, Agency Management, Principal and Practice of Direct Marketing and Contemporary Issues

    Journalism
    Semester V – Reporting, Editing, Feature and Opinion, Journalism and Public Opinion, Indian Regional Journalism and Niche and Magazine Journalism

    Semester VI – Press Laws and Ethics, Broadcast Journalism, Niche Journalism, Internet and Issue in the Global Media, News Media Management and Contemporary Issues

    Career in Bachelor of Mass Media (BMM)
    There are a number of career options after completing the Bachelor of Mass Media course. This course covers all the spheres of mass media. Students can start their career by joining TV channels as anchors and scriptwriters. They can also opt for reporting and editing in print media, electronic media, advertising and public relations.

    Institutes Offering Bachelor of Mass Media (BMM)
    Some of the colleges offering Bachelor of Mass Media course in India are RD National College and W.A. Science College. Mumbai, K.C. College, Mumbai, St. Xavier’s College. Mumbai and Jai Hind College, Mumbai.

    (Last Updated on. 10/12/2012)


    M a in education online #m #a #in #education #online


    #

    Master of Education

    Master of Education
    School of Education

    Liberty University s, NCATE accredited, Master of Education will prepare you for leadership roles in Christian, public, and private school systems. Coursework provides focused training for those seeking a position as a K-12 educator or those wanting to further their education. This program is accredited under the National Council for Accreditation of Teacher Education (NCATE) Standards through the CAEP Accreditation System. Learn more about program-specific accreditations .

    You may also be interested in exploring our master degree in Teaching or School Counseling .

    Awards

    Program Format

    • Online with Required Intensives
    • 36 total hours
    • A maximum of 50% of the program hours may be transferred if approved and allowable.
    • Those seeking licensure must complete a three-credit-hour internship or student teaching assignment as part of the M.Ed. program.
    • Review the Advising Guide for more specific information concerning Liberty s online degrees.

    Licensure

    • Available for advanced licensure in Virginia, students pursuing these concentrations for licensure must already hold an initial teaching license.

    Specializations:

    Liberty University s Master of Education Administration Supervision is designed to provide you with an understanding in functional administration by providing you with the tools and skills to effective communication and lead as a supervisor. You will master skills in community relations, school law, financial management and administration by practicing a variety of real-world situations.

    You will be equipped with an understanding in:

    • Supervision of instruction.
    • Principles of behavior management.
    • Curriculum and instruction.
    • Educational leadership.

    Potential Career Fields

    • Principal
    • Assistant Principal
    • Curriculum Instructor

    Liberty University s Master of Education Math Specialist Endorsement is designed to instruct you how to plan and implement mathematic curriculum and is geared toward those interested in becoming a math specialist. This degree requires you to have a math teaching license in middle or secondary education.

    Courses will provide you with a foundation in:

    • Teaching mathematics.
    • Current issues in math.
    • Educational assessment and intervention.
    • Educational research and assessment.

    Potential Career Fields

    • Math Specialist
    • Math Tutor

    Liberty University s Master of Education Reading Specialist Endorsement is designed to teach you the skills to become a reading specialist and is designed to instruct you in how to plan and implement reading curriculum. This degree will integrate education with specific techniques and tricks in teaching reading.

    This program will train you to have a better understanding of:

    • Reading and language acquisition.
    • Supervision of instruction.
    • Current issues in reading
    • Learning theory.

    Potential Career Fields

    • Reading Specialist
    • Literacy Coach

    Student Testimonial

    After completing the non-licensure M.Ed. program in Teaching and Learning through Liberty Online, Chris Mitcheltree began pursuing Pennsylvania licensure for supervision of curriculum and instruction.

    Because Liberty s degree plan allowed me to choose a lot of my courses, I looked up those required to fill a curriculum and instruction degree [in Pennsylvania] and took the Liberty courses most closely related to those. I sent all my coursework and course descriptions to the Pennsylvania Department of Education, took the state Praxis exam and waited. I finally got that beautiful piece of blue paper with the gold seal in the mail! They are not requiring any additional classes. Liberty did it all!


    Paramount Global M #mortgage #insurance #rates


    #paramount mortgage

    #

    Hassle free investment

    Investment secured by real estate

    Stable cash flow

    What We Invest

    What is Mortgage Investment Corporation (MIC)?

    Mortgage Investment Corporation or MIC is an investment and lending company designed specifically for mortgage lending in Canada. Governed by Section 130.1 of the Income Tax Act, MICs pay no corporate tax and act as flow-through entities and have to pay out all their taxable income in the form of dividends. Owning shares in a mortgage investment corporation enables you to invest in a company which manages a diversified pool of mortgages.

    WHERE THE MONEY GOES

    Sample Case 1: text123
    Property location: Midtown, Torotno
    Property Value: $1,500,000, Single family house
    Borrowing Amount: $150,000
    LTV: 77%
    Term: 1Y
    Return: 10%
    Borrower info: Lawyer, Borrow money for closing his new house

    Sample Case 2: Text123
    Property location: Ajax, Ontario
    Property Value: $600,000, Single family house
    Borrowing Amount: $30,000
    LTV: 84%
    Term: 6 month
    Return: 12%
    Borrower info: Car mechanics, pay off debt

    Sample Case 3: Text 123
    Property location: Oakville, Ontario
    Property Value: $900,000, Single family house
    Borrowing Amount: $80,000
    LTV: 81%
    Term: 1Y
    Return: 11%
    Borrower info: Online business in cosmetics, renovating the house

    Fund Fact

    Management Team

    VICKY HUANG (CEO)

    Vicky is responsible for overseeing the day-to-day operations of the firm, building both new and existing business, and implementing overall strategy.

    Vicky is the co-founder of Bay Street Real Estate Investment and Ubene Technologies. Vicky has developed a reputation for leading from the front line, working with teams and clients in developing and executing business plans which resulted in the advancement of the key strategic initiatives of each firm. Vicky had worked years in the capital market department of TD, RBC and IBM. Vicky obtained her Master degree from University of Toronto in 2005, and has completed the Real Estate Management Program from Harvard Business School in 2012.

    Cindy Shen (President)

    Cindy is a serial entrepreneur, with a passion for building financial companies and technologies to make lending easier and faster for everyone involved. Cindy has more than a decade of banking experience, and is a private lender herself, building a pipeline of deals exceeding 10 million in the first year. She is also CEO of a SAP technology company, servicing Fortune 500 clients in Canada and US. Cindy is a graduate of Ivey School of Business at the University of Western Ontario.

    JEFF LEVY (Lawyer)

    Jeff is responsible for advising and counselling on mortgages and mortgage transactions.

    Jeff is the managing partner at and co-founder of Levy Zavet PC, Lawyers. Jeff is practicing primarily in the areas of real estate, mortgages, corporate law, corporate finance, mergers and acquisitions, tax law, commercial finance and estate planning. Jeff is extremely experienced in drafting mortgage loan agreements and structuring multi-collateral, diverse payments and elaborate recovery provisions in every unique situation. His long history of experience in mortgage enforcement, power of sale, and foreclosures, has given him the knowledge to foretell viable exit strategies at the loan origination stage of almost every single mortgage deal.

    Investment Strategy & Risk Management

    How to Invest

    What types of mortgages does Paramount Global MIC invest in and where?

    We offer 1st and 2nd mortgages up to a loan to value of 80%. We lend on residential property located in urban and suburban areas. We focus on properties that are highly marketable.

    How does Paramount Global MIC find mortgage borrowers?

    Paramount Global MIC focuses on residential properties in urban and suburban areas that are highly marketable. Paramount Global MIC’s clients are self-employed, new immigrants and borrowers with soft, poor or no credit. We mitigate the risk with our proprietary underwriting model

    We deal strictly through licensed mortgage brokers and licensed agents. There are reportedly over 10,000 mortgage brokers and agents in Ontario. These represent our external sales force; identifying and referring mortgage.

    Are Paramount Global MIC regulated?

    Yes. In fact, in 1972, the Canadian government created provisions within the Residential Mortgage Financing Act to specifically allow for the creation of mortgage investment corporations. Paramount Global MIC is also specifically regulated by Financial Services Commission of Ontario (FSCO), the Ontario Securities Commission (OSC), along with other securities regulators. Generally accepted accounting principles (GAAP) also apply. In other words, we’re audited, regulated and adhere to strict financial guidelines.

    How is the mortgage market regulated?

    In the province of Ontario the Financial Services Commission of Ontario (FSCO) licenses and regulates all mortgage brokers, agents and administrators. The Manager is a licensed administrator in Ontario.

    What are the benefits of MIC investing?

    1. Real Estate Security: Mortgages purchased by the MIC are secured by Canadian Residential Real Estate.
    2. RRSP /TFSA/RESP Eligible: Hold your RiverRock MIC in a self-directed RRSP/TFSA/RESP.
    3. Superior Returns: Earn 8% per year compared with 1% on GICs
    4. Professional Management: The managers of Paramount Global MIC have years of mortgage investment experience.
    5. Diversification: Investors own a diversified portfolio of mortgage loans.
    6. Regular Income: Investors receive their dividends on a monthly basis.

    What risks are associated with investing in a MIC?

    All our mortgages are registered on the title of the property. We know the market, and the homes you drive by everyday. We lend based on the appraisal value done by professional appraisers. Our maximum loan value ratio is set at 80%.

    Our mortgages have the same legal security as the mortgages from banks or other institutional lenders. All related legal work is performed by a lawyer or notary public for Paramount Global MIC. There is no guaranty, however your investment will not fluctuate.

    Although real estate investing is considered one of the safest investments, risks still exist in mortgage lending. All property investments are subject to elements of risk. Property value is affected by general economic conditions, local real estate markets, the attractiveness of the property to tenants, competition from other available properties and other factors. While independent appraisals are required before the corporation may make any mortgage investment, the appraised values provided therein, even where reported on an “as is” basis, are not necessarily always reflective of the market value of the underlying property, which may fluctuate.

    The MICs’ income and funds available for distribution to security holders would be adversely affected if a significant number of borrowers were unable to pay their obligations. Upon default by a borrower,Paramount Global MIC may experience delays in enforcing its’ rights as lender and could incur costs in protecting its investment.

    To mitigate these risks, the experienced team of Underwriters at Paramount Global MIC review every application to reduce the possibility of non-performing loans. Furthermore, strict loan to value guidelines and a proactive approach to collections ensure enough equity is available to recover outstanding loan balances in case of foreclosure.

    When can I purchase my share? What is the minimum investment?

    Preferred shares can be purchased at the beginning of every month. Our minimum investment is $10,000, once the minimum investment has been made, additional shares may be purchased with a minimum increment amount of $5,000.

    Is my money locked in? What happens if I die or I need the money?

    Paramount Global MIC has a 24 month redemption period with early redemption fee(4% within first year and 2.5% between first and second year). After 24 momths, an investor can withdraw their funds simply by advising us in writing so that a redemption notice received will be effective within 15 days of the end of the quarter following the quarter in which the redemption request is received.

    For income tax purposes, the returns that our investors receive are treated as interest, not as dividends.

    How do I invest funds from my RRSP, TFSA or RESP in Paramount Global MIC?

    Paramount Global MIC h supports investments from within a variety of registered plan types. We have selected COlympia Trust Company as our trustees for this purpose, due in part to their excellent support for MIC investments.