Stated income loans make comeback as mortgage lenders seek clients #boat #mortgage #calculator


#stated income mortgage

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Stated income loans make comeback as mortgage lenders seek clients

By Michelle Conlin and Peter Rudegeair

n”>Mortgage applicants who can’t provide tax returns or pay stubs to show their income are getting stated income loans again as companies such as Unity West Lending and Westport Mortgage chase customers they can no longer afford to ignore.

Lenders say these aren’t the same products as the so-called “liar loans” that were pervasive before the housing bust. Instead, the loans are going to borrowers such as small business owners or investors buying properties they intend to rent who can demonstrate an ability to repay, verifiable through bank or brokerage statements. Lenders said they look for enough assets to pay six to 12 months of payments, while also demanding high down payments to reduce the chance of default.

“This is not a return to the wild and wooly days of, if you fogged the mirror, you can have a loan,” said Paul Lebowitz, founder of Westport Mortgage. “They have a smarter edge to them now.”

Some rival lenders said the stated income loans on offer could be abused if borrowers fudge bank statements or don’t have enough money to repay the loan. None of the three biggest banks offer them. Sam Gilford, a spokesman for the Consumer Financial Protection Bureau, said the agency is concerned, though he wouldn’t say whether it is investigating them.

The CFPB’s rules don’t give specific minimums for assets required to demonstrate an ability to repay a mortgage, but critics said a year’s worth of payments for a three-decade loan may not be enough.

“It’s easier to falsify bank statements than income tax returns,” said Julia Gordon, director of housing finance and policy at the Center for American progress.

To avoid the housing-bust taint, the new stated income loans are being called such things as “alternative documentation loans,” “portfolio programs,” “alternative-income verification loans” and “asset-based loans.”

Borrowers usually have to have credit scores of about 700, though some lenders, like San Jose, California.-based Western Bancorp, will accept credit scores as low as 620. Credit scores range from 300 to 850, with 640 seen as the line between prime and subprime. Borrowers typically pay one-half to three-quarters of a percentage point above conventional mortgage rates.

Jae Chang, president of Los Angeles-based National Mortgage Service, started offering stated-income loans five months ago. “We are targeting those borrowers who have excellent credit, and a lot of liquid reserves, but who are having difficulties proving their income,” he said. National Mortgage Service is doing $15 million worth of stated-income loans a month.

Compared to the roughly $1 trillion of U.S. home loans anticipated this year, the stated income mortgage volume at National Mortgage Service is tiny. There is no available data about how widespread stated income mortgages are, and experts said that any growth in these products is off a small base.

But the shrinking mortgage market is prompting some lenders to expand their potential pool of customers. The MBA’s forecasts for this year’s mortgage lending volumes are down 30 percent from 2013 levels. Volumes started falling last year as rising rates cut into demand.

SMALL BUSINESS OWNERS

Among the customers that lenders are targeting are small business owners, whose personal income tax returns may not reflect their ability to repay a loan. Many keep income in their business to reduce their personal income tax obligation. Stated income loans are also often geared toward investors, who don’t fall under the same rules imposed by the 2010 Dodd-Frank financial reform legislation.

Other lenders lowering their standards to win new business include Wells Fargo & Co, the biggest home lender in the United States, which said earlier this year it is willing to make loans to borrowers with credit scores as low as 600, down from a previous limit of 640.

The Dodd-Frank law said that, for all owner-occupied mortgages made in the United States, lenders must make sure the borrower has the capacity to repay, or face enforcement from the Consumer Financial Protection Bureau as well as consumer claims in court, where lenders could be liable for up to three years of finance charges and fees.

Ability-to-repay rules apply only to mortgages for people who will live in the house. That means there is potential for abuse if borrowers apply for the mortgages saying they’ll rent out the property when in fact they intend to live there. Because these kinds of loans are not subject to ability-to-repay rules and require less documentation, borrowers could be talked into taking on mortgages they cannot afford, a lender at a large bank said.

The law, and the CFPB’S rules on the matter, will likely prevent lenders from re-embracing the worst varieties of stated income loans during the bubble years, such as so-called “ninja” loans, a near-acronym for “no income, no job or assets.”

While even ninja loans could easily be securitized before the mortgage bubble burst, packaging non-standard home loans into bonds and selling them to investors is much more difficult now. Most stated income loans today are either held in lenders’ portfolios or sold to private investors.

(Reporting by Michelle Conlin and Peter Rudegeair. Editing by Dan Wilchins and John Pickering)


Ask the Expert: Does mortgage insurance make sense? Dec #cash #call #mortgage


#mortgage disability insurance

#

Think twice before buying into one of the many pitches for different insurance products.
December 19, 2003: 9:31 AM EST
By Walter Updegrave, CNN/Money contributing columnist

NEW YORK (CNN/Money) – I am being offered mortgage protection insurance. Is it worth the cost?

— James Lawrence, Tampa, Florida

Before I answer your question, let’s be sure we’re both talking about the same type of mortgage insurance. There are actually two kinds, and they provide very different types of coverage.

First, there is the type known as private mortgage insurance, or PMI as it’s known in lending circles.

If you are buying a home and putting up a downpayment of less than 20 percent of the home’s value, then generally you don’t have a choice of whether to buy this type of insurance. The lender requires it.

Why? Because PMI isn’t there to protect you — it’s there to protect the insurer in the event you default on your home loan and the lender isn’t able to re-sell your home for enough money to pay off the mortgage.

The cost of PMI varies, but a rule of thumb is about one half of one percent of the loan amount.

So if you’re buying a house for, say, $150,000 and putting 10 percent down ($15,000), the annual cost of PMI on your $135,000 mortgage might run $675 a year, or $56.25 a month.

In years past, some lenders would continue to collect PMI premiums even after the mortgage balance had fallen to well below 80 percent of the home’s original value. But Congress passed the Homeowners Protection Act of 1998, which allows homeowners to request that the lender cancel PMI when the mortgage loan-to-value ratio falls to 80 percent and requires the lender to cancel it when the ratio falls to 78 percent.

By the way, appreciation in the home’s value isn’t taken into account in calculating this ratio — only the decline in the mortgage balance counts.

There are also some other qualifications that may affect your ability to cancel PMI. For more on what the bill requires of you and the lender, click here.

Mortgage life insurance

The second type of mortgage insurance is the type that usually goes by the name mortgage life insurance.

Here, you’re being offered the chance to buy an insurance policy that will repay your mortgage in the event of your death, disability or some incapacitating disease.

This offer — typically by mail — often comes from your lender or an insurance company affiliated with that lender.

This type of insurance is purely voluntary, however, so the question is, should you buy?

Generally, I’d say the answer is no.

It rarely makes sense to buy insurance for narrow reasons — to insure against a specific disease or a single calamity or to provide funds to pay off a single liability, in this case your mortgage.

In the case of life insurance, for example, you’re much better off analyzing your overall insurance need based on what kind of liabilities your spouse or other dependents would face and how much income they would have to replace if you were gone, and then buying enough insurance to meet that need.

Fact is, if you died tomorrow, your dependents would need to replace your income for a variety of reasons, not just to pay the mortgage.

Indeed, it might not even make sense to pay off the mortgage. Your spouse or other survivors might be better off continuing to pay the loan — assuming that’s possible — and putting insurance proceeds to other purposes.

In other words, you should take your overall financial picture into account when buying life insurance.

And the way you should do that is to have a financial planner or life insurance agent perform what’s known as a “needs analysis.” You can also use any one of a number of insurance needs calculators online, including the calculators at The Life and Health Insurance Foundation for Education site and TIAA-Cref site.

Of course, that leaves the question of what type of insurance you should buy — whole life, term, etc. — and the issue of how to shop for the best price for a policy.

For more on those topics, see a column I wrote last year called “Life insurance made easy .”

The same goes for disability insurance. You should consider a long-term disability insurance policy not just because you have an outstanding mortgage, but because you would likely need to generate income for a variety of reasons even if you were disabled and unable to work. For more on choosing a disability policy, click here.


Stated income loans make comeback as mortgage lenders seek clients #online #mortgage #lenders


#stated income mortgage

#

Stated income loans make comeback as mortgage lenders seek clients

By Michelle Conlin and Peter Rudegeair

n”>Mortgage applicants who can’t provide tax returns or pay stubs to show their income are getting stated income loans again as companies such as Unity West Lending and Westport Mortgage chase customers they can no longer afford to ignore.

Lenders say these aren’t the same products as the so-called “liar loans” that were pervasive before the housing bust. Instead, the loans are going to borrowers such as small business owners or investors buying properties they intend to rent who can demonstrate an ability to repay, verifiable through bank or brokerage statements. Lenders said they look for enough assets to pay six to 12 months of payments, while also demanding high down payments to reduce the chance of default.

“This is not a return to the wild and wooly days of, if you fogged the mirror, you can have a loan,” said Paul Lebowitz, founder of Westport Mortgage. “They have a smarter edge to them now.”

Some rival lenders said the stated income loans on offer could be abused if borrowers fudge bank statements or don’t have enough money to repay the loan. None of the three biggest banks offer them. Sam Gilford, a spokesman for the Consumer Financial Protection Bureau, said the agency is concerned, though he wouldn’t say whether it is investigating them.

The CFPB’s rules don’t give specific minimums for assets required to demonstrate an ability to repay a mortgage, but critics said a year’s worth of payments for a three-decade loan may not be enough.

“It’s easier to falsify bank statements than income tax returns,” said Julia Gordon, director of housing finance and policy at the Center for American progress.

To avoid the housing-bust taint, the new stated income loans are being called such things as “alternative documentation loans,” “portfolio programs,” “alternative-income verification loans” and “asset-based loans.”

Borrowers usually have to have credit scores of about 700, though some lenders, like San Jose, California.-based Western Bancorp, will accept credit scores as low as 620. Credit scores range from 300 to 850, with 640 seen as the line between prime and subprime. Borrowers typically pay one-half to three-quarters of a percentage point above conventional mortgage rates.

Jae Chang, president of Los Angeles-based National Mortgage Service, started offering stated-income loans five months ago. “We are targeting those borrowers who have excellent credit, and a lot of liquid reserves, but who are having difficulties proving their income,” he said. National Mortgage Service is doing $15 million worth of stated-income loans a month.

Compared to the roughly $1 trillion of U.S. home loans anticipated this year, the stated income mortgage volume at National Mortgage Service is tiny. There is no available data about how widespread stated income mortgages are, and experts said that any growth in these products is off a small base.

But the shrinking mortgage market is prompting some lenders to expand their potential pool of customers. The MBA’s forecasts for this year’s mortgage lending volumes are down 30 percent from 2013 levels. Volumes started falling last year as rising rates cut into demand.

SMALL BUSINESS OWNERS

Among the customers that lenders are targeting are small business owners, whose personal income tax returns may not reflect their ability to repay a loan. Many keep income in their business to reduce their personal income tax obligation. Stated income loans are also often geared toward investors, who don’t fall under the same rules imposed by the 2010 Dodd-Frank financial reform legislation.

Other lenders lowering their standards to win new business include Wells Fargo & Co, the biggest home lender in the United States, which said earlier this year it is willing to make loans to borrowers with credit scores as low as 600, down from a previous limit of 640.

The Dodd-Frank law said that, for all owner-occupied mortgages made in the United States, lenders must make sure the borrower has the capacity to repay, or face enforcement from the Consumer Financial Protection Bureau as well as consumer claims in court, where lenders could be liable for up to three years of finance charges and fees.

Ability-to-repay rules apply only to mortgages for people who will live in the house. That means there is potential for abuse if borrowers apply for the mortgages saying they’ll rent out the property when in fact they intend to live there. Because these kinds of loans are not subject to ability-to-repay rules and require less documentation, borrowers could be talked into taking on mortgages they cannot afford, a lender at a large bank said.

The law, and the CFPB’S rules on the matter, will likely prevent lenders from re-embracing the worst varieties of stated income loans during the bubble years, such as so-called “ninja” loans, a near-acronym for “no income, no job or assets.”

While even ninja loans could easily be securitized before the mortgage bubble burst, packaging non-standard home loans into bonds and selling them to investors is much more difficult now. Most stated income loans today are either held in lenders’ portfolios or sold to private investors.

(Reporting by Michelle Conlin and Peter Rudegeair. Editing by Dan Wilchins and John Pickering)


New Mortgage Solutions – We make mortgages easy #mortgage #calculator #free


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We make mortgages easy

Get a better deal

Let us handle it all

Stress-free process

Thank you so much for helping us get our first home. We didn’t really know where to start but you made the process simple and stress-free. Before coming to New Mortgage Solutions we’d been struggling to get a mortgage as we were contractors and had been living overseas for a few years, but you found us a great mortgage and took all the hard work out of our hands. You also made us realize how important it was to get the right insurance and organized it all for us, giving us peace of mind. Thanks for all your help!

Mr and Mrs M

We wanted to say a huge thank you for your help with our move. We know that you have really gone above and beyond what is expected and we can’t thank you enough for everything you have done on our behalf. I believe, without any doubt, that we wouldn’t have been successful in securing the house if we hadn’t had your help. Thank you for all your efforts!

Mr E and Mrs P

Thanks so much for helping make our first house a reality! We are thrilled to be in and you helped make the process so smooth and less stressful for us newbies! We will recommend you to our friends. Many thanks again.

Mr and Mrs S

We just wanted to say a big Thank You for everything you did in order for us to buy our 1st home! We are moving in this Friday and are so excited! We really appreciate all of your help and for always available when we needed questions answered.

Mr C and Miss T

It’s been a few months since we moved to our new house and we have just had confirmation that our son can go to the school we wanted so thank you for your part in helping us get him get there.

Mr and Mrs C

Just a quick message to say a huge thank you for arranging our mortgage and insurance. I’m pleased to say we are settled in our new home and love it! We are so grateful to you and Lorna for all the help and advice you gave us along the way. We couldn’t have done it without you!

Mr B and Miss H

Thank you to Andrew and everyone at New Mortgage Solutions for making our move a reality. We couldn’t believe that we would be able to keep our flat and still be able to buy our dream house so thank you so much for showing us options we hadn’t thought about. I’m happy to say we are now settled in our new home and really pleased we have the flat as an investment. We will definitely recommend you to everyone we know. Many thanks!

Mr H and Mrs V

We re just back from holiday and wanted to say a big thank you for getting our remortgage finalised so quickly and efficiently. We ve dealt with a couple of mortgage advisors in the past and can quite honestly say that the service we ve received from you was by far the best. I set great store to good communication and you kept us in the loop the whole time. It is a rare thing, I can tell you, and very much appreciated. Your advice was pro-active and the timeline amazing. We will very happily recommend you to friends and family. And use you again in the near future! Thanks again.

Mr and Mrs O

DSW Team-Software solutions, custom screen savers, CD #autorun, #dvd #autorun, #dvd #menu, #dvd #intro, #cd


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Ask the Expert: Does mortgage insurance make sense? Dec #uk #mortgage #rates


#mortgage disability insurance

#

Think twice before buying into one of the many pitches for different insurance products.
December 19, 2003: 9:31 AM EST
By Walter Updegrave, CNN/Money contributing columnist

NEW YORK (CNN/Money) – I am being offered mortgage protection insurance. Is it worth the cost?

— James Lawrence, Tampa, Florida

Before I answer your question, let’s be sure we’re both talking about the same type of mortgage insurance. There are actually two kinds, and they provide very different types of coverage.

First, there is the type known as private mortgage insurance, or PMI as it’s known in lending circles.

If you are buying a home and putting up a downpayment of less than 20 percent of the home’s value, then generally you don’t have a choice of whether to buy this type of insurance. The lender requires it.

Why? Because PMI isn’t there to protect you — it’s there to protect the insurer in the event you default on your home loan and the lender isn’t able to re-sell your home for enough money to pay off the mortgage.

The cost of PMI varies, but a rule of thumb is about one half of one percent of the loan amount.

So if you’re buying a house for, say, $150,000 and putting 10 percent down ($15,000), the annual cost of PMI on your $135,000 mortgage might run $675 a year, or $56.25 a month.

In years past, some lenders would continue to collect PMI premiums even after the mortgage balance had fallen to well below 80 percent of the home’s original value. But Congress passed the Homeowners Protection Act of 1998, which allows homeowners to request that the lender cancel PMI when the mortgage loan-to-value ratio falls to 80 percent and requires the lender to cancel it when the ratio falls to 78 percent.

By the way, appreciation in the home’s value isn’t taken into account in calculating this ratio — only the decline in the mortgage balance counts.

There are also some other qualifications that may affect your ability to cancel PMI. For more on what the bill requires of you and the lender, click here.

Mortgage life insurance

The second type of mortgage insurance is the type that usually goes by the name mortgage life insurance.

Here, you’re being offered the chance to buy an insurance policy that will repay your mortgage in the event of your death, disability or some incapacitating disease.

This offer — typically by mail — often comes from your lender or an insurance company affiliated with that lender.

This type of insurance is purely voluntary, however, so the question is, should you buy?

Generally, I’d say the answer is no.

It rarely makes sense to buy insurance for narrow reasons — to insure against a specific disease or a single calamity or to provide funds to pay off a single liability, in this case your mortgage.

In the case of life insurance, for example, you’re much better off analyzing your overall insurance need based on what kind of liabilities your spouse or other dependents would face and how much income they would have to replace if you were gone, and then buying enough insurance to meet that need.

Fact is, if you died tomorrow, your dependents would need to replace your income for a variety of reasons, not just to pay the mortgage.

Indeed, it might not even make sense to pay off the mortgage. Your spouse or other survivors might be better off continuing to pay the loan — assuming that’s possible — and putting insurance proceeds to other purposes.

In other words, you should take your overall financial picture into account when buying life insurance.

And the way you should do that is to have a financial planner or life insurance agent perform what’s known as a “needs analysis.” You can also use any one of a number of insurance needs calculators online, including the calculators at The Life and Health Insurance Foundation for Education site and TIAA-Cref site.

Of course, that leaves the question of what type of insurance you should buy — whole life, term, etc. — and the issue of how to shop for the best price for a policy.

For more on those topics, see a column I wrote last year called “Life insurance made easy .”

The same goes for disability insurance. You should consider a long-term disability insurance policy not just because you have an outstanding mortgage, but because you would likely need to generate income for a variety of reasons even if you were disabled and unable to work. For more on choosing a disability policy, click here.


Car donation in bay area #car #donation- #bay #area #california, #best #bay #area #car #donation,


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Bay area car donation. Car donations drive our mission’s success, Habitat for Humanity

By Krysta Morgenthaler, Habitat for Humanity East Bay/Silicon Valley vice president of development and communications Bay area car donation.

Honk your horn if you love Habitat!

Here in the San Francisco Bay Area, we’re honking our horns to thank our generous donors for making Habitat East Bay/Silicon Valley the top affiliate in the nation for revenue generated through car donations. Vehicle donors in our service area have generously contributed more than 600,000 through car donations. That’s enough to build a dozen Habitat homes or provide material for 60 Habitat roofs or buy 20 million nails.

Car donation bay area kqed

The Habitat for Humanity Cars for Homes Program is an easy way for donors to make a huge impact on the local Habitat mission in their surrounding communities. In 2010, our affiliate worked with Cars for Homes to launch the Partnership Project, which provided a 100,000 challenge grant to match all car donations dollar for dollar. Donors from across the area responded generously by exceeding the 100,000 goal in just nine months!

The vehicle donations helped fund the construction of a home for Habitat East Bay/Silicon Valley’s 250th family served, Teebe and Ande Nerayo. The donations raised through the Partnership Project also funded the renovation of two homes as part of our affiliate’s Neighborhood Stabilization Program. Car donations at Habitat East Bay/Silicon Valley continue to play a major role in the success of our mission by funding, on average, two homes per year.

The next time you have a junker sitting in your driveway or would rather put your old car to work than put more work into it, think about the impact your car could have on a local family in your community.


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


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    How Much do Vets Make? #how #much #do #vets #make,


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    How Much do Vets Make?

    Veterinary school debt can be crushing.

    • Keep accurate information on your lenders, the loans and the payment due dates. You can use FinAid s Student Loan Checklist to keep track of your loans.
    • Make your payments on time
    • Make automated payments (but make sure your account maintains sufficient funds for the payments)
    • Pay off your highest interest debt first
    • Deduct your student loan interest on your taxes (if eligible for the deduction)
    • If you have accrued more than $30,000 in debt, you are eligible for a 25-year extended repayment schedule without consolidating your loan(s); however, consider this option only if it is absolutely necessary to avoid defaulting on your loan.

    Starting salaries have remained flat since around 2012 after declining for four years beginning with the economic recession in 2008. Numbers presented at the AVMA Economic Summit this month indicated that average starting salary for the 3,000 veterinary school graduates this year is about $70,000.

    Budgeting Tips for Veterinarians

    Dicks estimates that new graduates should prepare for 10 years of strict budgeting to pay back their debt before they can afford the lifestyle that many may envision when they become veterinarians. Before that, most are skimping on entertainment spending or payments on nicer vehicles and houses.

    A lot of people don t understand, especially someone who s 26 or 27 years old, what that 10 years is going to be like, Dicks said. That means that a veterinarian that is still passionate, doing great work, is struggling with their lifestyle. Five years out, seven years out [of school], they re still struggling and they don t see the light at the end of the tunnel. That s debilitating.

    Once they do get over that hump however, the hard work of earning the DVM degree pays off. Although male veterinarians are still paid more on average than female veterinarian. a professional degree (like a veterinary degree) narrows that gap a fact that Dicks said will make veterinary practice more interesting as increasing numbers of female veterinarians progress through the ranks through their careers. Women with bachelor s degrees make about 77 percent of what men make with comparable bachelor s degrees, but female veterinarians earn 92 percent of what male veterinarians do.

    As for future projections, the AVMA estimates that starting salaries will average $84,000 by 2020 and just short of $94,000 by 2024. The association also believes that the number of new veterinarians each year will increase; by 2025, there could be as many as 3,300 new graduates each year.

    For Dicks this raises the interesting question of the supply and demand balance. A survey taken last year suggests that unemployment among veterinarians is low (around five percent) but there are many who are underemployed, which means that they are unable to find a wage that adequate covers their expenses. Some have suggested that this means there are too many veterinarians, but Dicks think it s another issue.

    We know that there s a lot of animals out there that are not getting basic services, he said. But that need isn t the same thing as demand. Demand is, I have a need, and I have the ability to pay for it.

    This is the difference between oversupply and excess capacity excess capacity being the excess of veterinarians for the amount of clients willing to pay those doctors predetermined rates for their services, while the term oversupply would imply there are more veterinarians than there are potential clients of any kind.

    For those who choose to go into the veterinary field, this means they will need to be willing to think outside the box when it comes to changing their business model or lightening their debt load. It s all about planning and passion.

    Before you ever go to college, you should start educating yourself, because more than half of veterinarians wanted to be veterinarians since they were 10. So start doing something about it early, Dicks said. It s a great profession, there s a lot of opportunity, but it s getting harder and harder to make both ends meet. You have to be smarter and smarter about it. You cannot just show up and be a good veterinarian.

    The average starting salary for veterinary school graduates 2015 is about $70,000.

    So what exactly goes into a veterinarian s education? According to the Houston Chronicle :

    Veterinarians need a Doctor of Veterinary Medicine degree from one of 28 accredited veterinary programs. [Ed. Note: There are now 30 accredited veterinary schools.] This course of study takes four years and combines classroom, laboratory and clinical experience. Most vets also have a bachelor s degree, obtained before application to veterinary school. They must have courses in biology, chemistry, zoology, microbiology, animal science and anatomy. All states mandate a license. Though requirements vary by state, vets need the educational background, as well as a passing score on the North American Veterinary Licensing Exam. A state exam covering local regulations may also be needed. Some states do accept licenses from other locations, though most require a state-specific license to practice veterinary medicine. Edit Module