FHA 203k Loan Lender – Your Home Renovation Solution #mortgage #calculation #formula


#203k mortgage

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Your 203K Loan Connection

What is an FHA 203K Loan?

Basically, it’s an FHA loan to purchase or refinance your home with additional funds for your home improvements. FHA which stands for Federal Housing Administration (FHA) is a mortgage insurance and is part of the Department of Housing and Urban Development (HUD). HUD or FHA do not make direct loans to consumers (homebuyers or homeowners) but FHA does insure loans that are funded by approved FHA lenders. FHA insures different types of home loans which one of them is the 203k that is used to rehab properties. The more popular version though is the FHA 203b which does not include funds for rehabilitation.

That is what makes an FHA 203k Loan different:

Most mortgage financing plans won’t provide funds to close unless the condition and value of the property are adequate enough to secure the loan. This means that the lender usually requires that improvements be made before a long-term mortgage is made. This is where the 203k loan comes into play because those improvements can now be made after the mortgage loan closes.

What Are The Types of 203K Rehab Mortgages?

There are two types of 203(k) rehabilitation Mortgages: The Standard 203(k) and the “Limited” also known as (AKA) a Streamline 203k

The Standard 203(k) Mortgage may be used for major remodeling, repairs and structural changes with a minimum repair cost of $5,000 and the use of a *203(k) Consultant is required.

The Limited 203(k) AKA Streamline may be used for cosmetic improvements, appliances and minor remodeling. The total rehabilitation cost must not exceed $35,000 and there is no minimum rehabilitation cost

*For more info about the 203K Consultant download the Free FHA 203K Guide.

What Are The Benefits of Using An FHA 203k Lender?

Many lenders offer FHA loans but the list of Lenders who offer FHA 203K Loans is short. Your best bet is to find and work with an FHA 203k Lender who is knowledgeable and experienced to guide you through the process. An FHA 203k lender can also do Regular FHA loans without renovations so working with a 203k Specialist will allow you to have additional FHA financing options without having to start the process over again.

How About FHA 203k Rates?

203k Rates in comparison to a regular FHA 203b loan without rehabilitation funds can be slightly higher but minimal. If you take into consideration the advantages of having one loan to purchase or refinance with additional funds included for home improvements with minimal down payment or equity it is quite attractive compared to any other alternative.

What Are 203k Loan Requirements?

203k Loan Requirements such as credit, income, down payment etc. are similar to the more popular standard FHA 203b loan that doesn’t provide funds for home improvements. Both have flexible guidelines with minimal down payment than most any other type of loan available. The difference between the two is that the FHA 203K will allow for the repairs, rehab or remodeling of your home to be included into the new loan while the Standard FHA 203B won’t.

Why You Might Be Here :

  • The condition of your property won’t qualify for traditional financing
  • The condition of your property just isn’t to your liking
  • The lender you are in contact with does not offer or have experience with renovation 203k loans
  • You just heard about this type of loan through maybe a Real Estate agent, another lender or someone you know

What Will You Do With the FHA 203K Loan

Has the idea of making your home your way perked your interest?
Talk to a 203K Specialist for YOUR area for more details or to get started.

Want to read more about FHA 203k’s? Then check out the 203k blog where you can find more general information on requirements, guidelines, credit scores, appraisals, rates, closing cost, down payment and more on the opportunities and options when using this type of financing.

Ask A 203K Lender

Do you have a specific question or scenario you would like answered directly by your renovation loan specialist? Then just go to your state page where your property is located for answers. Or, for a general question you can’t find the answer to, on the 203k Mortgage Lender site, then feel free to post it at the “Ask A 203K Lender” blog page.

Lenders Originators

Would you like to find out how you can be listed on the 203k Lender Directory?

Contact us for more information at :


Document Management – HIPAA-compliant searching and viewing for scanned images and electronic content #document #management


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Document Management Software Guide

Relying on the old filing cabinet filled with paper documents is becoming more and more of burden. Your competition knows that electronic document management brings cost down and streamlines their operations. Are you ready to break away from the paper and get your document management solution in place? Great! That’s our specialty.

The phrase “document management” is rather broad and can apply to a variety of scenarios depending on the needs (and size) of the business. In some instances we are talking about a system that merely gives us an efficient way to scan paper and save it out in an orderly, intuitive structure. Other times, we need to bring in search and viewing capabilities that are all handled inside a single piece of software. Likewise we may be working with more than just digital versions of paper files, such as MS Office documents, CAD drawings and graphics files. We can even run into the need for advanced features like document lifecycle management and workflow. These features are especially important when regulations such as HIPAA and Sarbanes-Oxley apply, to keep prying eyes away from critical information, and to limit liability by removing old docs once they’ve passed their business or regulatory prime.

More information and side-by-side feature comparisons are available on our
Document Management Comparison page.

Solutions for Small Businesses

Users within a single department, working from home or who have a small business can simply scan their documents to a folder that is shared to everyone. In this “ad-hoc” scenario you only need some basic document scanning software to simplify and bring consistency to your filing system.

If you want to move to the next level, there are Desktop Document Management options that provide an all-in-one means for capture, storage, search and retrieval of documents. Additionally, they provide security, advanced capabilities and ease of use above that of the ad-hoc methods

And let’s not forget cloud-based options that alleviate the need to maintain storage servers or keep software up to date.

Enterprise Document Management

Within a large company or enterprise, there is a need for more robust Document Management applications that have enhanced features including security and scalability.

Such enhancements as:

* Digital signatures
* Document lifecycle management
* Version control
* Advanced keyword searching full-text indexing
* Audit trails (HIPAA, Sarbanes compliance)
* Email archiving
* Workflow routing
* Enterprise Report Processing (ERP)
* Document access control

Taking a Document Management system off the local system and to a networked solution can comprise either a solution hosted on internal servers or outsourced entirely to a cloud-based platform.

Accessing a Document Management system from the web browser means that it can be accessed from any workstation and from any location without the need for client software. Hosted cloud solutions take convenience a step further by removing the need to keep hardware systems and software up to date.

Jack of All Trades

One of our most popular solutions at many levels of the Document Management game is SimpleIndex. Spanning the categories of both document capture and management, SimpleIndex has a simple feature set that can be used for basic office filing AND searching right out of the box, but can also be used as then scanning front-end to capture images and index data for the more sophisticated solutions featured on this page.

Whether you’re needing to setup a few easy fields to store a name, date and document type; or looking to capture an identifying number via OCR or Barcode and then auto-populate customer information from a database, SimpleIndex can tackle those jobs. And Scanstore can guide you through the whole process.

Modern document management and ECM systems use electronic routing to simplify and speed up many aspects of the typical workflow. Unfortunately, one relic from the slow and impractical days of paper use has continued to bottleneck this otherwise efficient process – the need for signatures. Unique, legally binding signatures are still required on many documents, and this used to entail printing out and manually signing an electronically filled document somewhere in the workflow before it could be scanned back in and sent to the next step.

You don’t have to struggle with this outdated process anymore!

In 2000 the ESIGN Act (Electronic Signatures in Global and National Commerce Act) was enacted. This act states that a contract or signature “may not be denied legal effect, validity, or enforceability solely because it is in electronic form.”

Electronic signatures allow you to sign your documents using a quick, simple, and secure method, right from your computer. You will save money, time, and trees by removing the need to print and scan documents in the workflow just to get a signature. Simply press a single button, and your document is signed! Security is also improved by ensuring your document and signature have not been tampered with after signing. This is the new, modern way of validating documents.

How can you incorporate Electronic Signatures into your workflow?

Many software developers whose products are carried by ScanStore now include digital signature capabilities. Among these software are the following:

Digitech Systems PaperVision Enterprise allows users to include a validated electronic form or signature with a document as part of a review or approval process, with built-in security measures.

CompuThink Contentverse includes an “electronic signature capture” module, which enables users across the system to enter their signature into a secure data bank (featuring a unique username and password for each user) within the program, and can pull it up (once their identity is validated) to apply to documents as needed.

Find out more by reading our full Electronic Signature Guide at the link above.

Document Management Software Brands

ScanStore carries document management solutions from several vendors to suit the needs of our diverse clients.

Simple Software’s Document Management Suite provides tools for scanning, indexing, searching and viewing documents using your existing shared drives and databases as the platform. SimpleSearch lets you use a database to perform keyword searches to find specific files. SimpleView turns your shared folders into a document management system by adding fast file searching, multi-document viewing and annotation capabilities.

Digitech Systems PaperVision is one of the most popular document management solutions available because it is easy to install, manage and use, while also providing rich features and high scalability for demanding enterprise implementations. ImageSilo provides the PaperVision experience in a cloud-based implementation.

CompuThink ContentVerse is an enterprise solution that offers several unique features that set it apart. These include a server-side full text search engine that lets you search the contents of any file you add to the system, and integration with digital signing pads. It also has a unified browsing, searching and viewing interface that makes it easy to find and work with large sets of documents.

DiVA is a simple, affordable, cloud-based application that gives you a secure platform for storing and viewing documents without the added expense and complexity of advanced features.

More information and side-by-side feature comparisons are available on our
Document Management Software Comparison page.

Document Management FAQ Topics:


Best HR Solution-HRMS-Human resource (HR)software-Kenya #hr #management #solution,hr #software #solutions,human #resource #solutions,hrms #software #kenya,human #resource


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HR Solution

Human Resource Solution

As the business environment grows increasingly complex, human capital becomes the only sustainable source of competitive advantage for an organization. Companies that are successful at finding, retaining and developing good employees will outperform their competitors, achieve higher financial success and build greater shareholder value. Endeavour Africa Group offers perfect Human Resource Solutions that can enable you to find, retain and develop good employees, ultimately driving financial performance within your organization.

A Human Resources Information System (HRIS)

HR Master is a web based HRIS and is specially designed to minimize the client s day-to-day operational workload and make life easier for the HR staff as well as for system administrators. The solution works on a monthly rental basis which is calculated based on the number of users.

KEY FEATURES: Employee Life Cycle | Leave Management | Time Attendance

Web based HRMS that drives business growth

HR Master is a comprehensive web-based Human Resource management solution which focuses on effective and efficient way to manage an organization s most valuable assets, its Employees . HR Master is real-time, multiuser system, facilitating the management of human resources throughout the organization in a distributed fashion.
KEY FEATURES: Employee Information | Online Leave | Appraisal | Recruitment | Training | Travel | Employee Career Management | Disciplinary and Grievance | Employee Self Service | Software Integration

Simplify employee time tracking and workforce management

Packed with exhaustive features and industry standard modules, Time Master is a comprehensive Time Attendance system that adapts to any industry vertical of all size while upholding the organization s interest. The System works with hand geometry, RFID and finger print devices.
KEY FEATURES: Overtime Management | Leave Management | Shift Planner and scheduler | Multi-location | Multiple Hardware Integration

Innovative accurate and affordable payroll solution

A sophisticated and comprehensive software, Paymaster is designed to suit the needs of HR and Finance professionals across small, medium and large size organizations. Developed with the latest technology, Paymaster is a powerful and yet easy to use software, which makes payroll processing a simple job which can be performed in-house.
KEY FEATURES: Multi Country Payroll | Leave Management | Payment Deduction | Loans and Saving | Statutory Compliance | Bank and ERP integration | Pay Slip auto mailer | Report Writer

Quick employee identification for identification, accurate payments and many more applications

Identity Master is a software which combines biometrics, digital imaging and other technologies to positively identify your employees, staff, students and visitors. This is to verify and ensure that you are dealing with the correct person for any transaction. Highly recommended for cash-based transactions (for identity verification)
KEY FEATURES: Picture/Details popup | Actual vs. Physical verification | Reports/Analysis

Accurate, effective and realtime canteen management solution

Canteen management provides user-friendly systems that facilitate quick and efficient operations to manage canteen / cafeteria for large sections of employees or students. The software provides paperless and cashless transactions for an organization integrated with hardware (biometrics).
KEY FEATURES: Shift wise Person wise analysis | Meal Ticket Printing | Turnstile Integration

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Managed Application Hosting by ASP #small #business #hosting, #application #hosting, #remote #desktop #hosting, #software #hosting,


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ASP: Your Host

ASP has been hosting clients like you since 1998, long before the “Cloud”. Applications, Desktops, E-Mail, Website, Virtual Servers, Multiple Cloud Management, Hosted Environments, ASP is your “Cloud Specialist.”

ASP: Your Personal IT Development Team

ASP: Your Personal IT Development Team: Do you have IT challenges specific to your company? need custom software development?

ASP: Your IT Consulting Service

ASP Consultants apply cost effective Information Technology (IT) Solutions to your industry specific problems. Consider ASP your personal IT Consultant.

ASP: Your IT Support Service

No question is too hard or too simple. 24/7/365 access to real people with customer service experience to find solutions to real issues and the training to provide answers in non-technical English.

ASP: Your Personal Training Service

Training without the expense of travel. Desktop and software training for your staff in real time, with any device, regardless of location.

ASP: Your Internet Marketing Specialists

ASP can help position your company on the Internet: website development; search engine optimization (SEO); social media; creation of branded hosted environments.

ATTENTION: Small and Micro Businesses, Startup companies, Self-Employed Individuals, and Not-for-Profit Organizations. Do any of the following 10 IT challenges describe your organization?

You keep hearing about “the Cloud”. What is it anyway? How do I take advantage of “the cloud.”
Are you already lost in “the clouds”? Can I really save time and money?

Is your data on a single portable device, in a closet, in your office, on outdated servers, or on multiple devices that don’t communicate with each other?

Do you have multiple business locations, employees/contractors who work from home or travel a lot? Do you need scalable flexible IT for employees or contractors?

Is your biggest challenge or concern the security of your programs and proprietary data? Do you worry about hackers, viruses, malware, and other internet infections?

Are you in a location that suffers from natural disasters such as floods, blizzards, tornadoes, hurricanes, or earthquakes. Is your data insured from fire and theft, and do you have a disaster recovery plan in place?

Is your challenge Internet Connectivity and outages? What do you do if your connection is very slow or worse yet your Internet connection goes down?


Deploy a SMB storage solution for Hyper-V with StarWind VSAN free #hyper-v #backup #solution


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Deploy a SMB storage solution for Hyper-V with StarWind VSAN free

StarWind VSAN free provides a free Software-Defined Storage (SDS) solution for two nodes. With this solution, you are able to deliver a highly available storage based on Direct-Attached Storage devices. On top of StarWind VSAN free, you can deploy a Microsoft Failover Clustering with Scale-Out File Server (SOFS). So you can deploy a converged SDS solution with Windows Server 2016 Standard Edition and StarWind VSAN free. It is an affordable solution for your Hyper-V VM storage.

In this topic, we ll see how to deploy StarWind VSAN free on two nodes based on Windows Server 2016 Standard Core edition. Then we ll deploy a Failover Clustering with SOFS to deliver storage to Hyper-V nodes.

Architecture overview

This solution should be deployed on physical servers with physical disks (NVMe, SSD or HDD etc.). For the demonstration, I have used two virtual machines. Each virtual machine has:

  • 4 vCPU
  • 4GB of Memories
  • 1x OS disk (60GB dynamic) – Windows Server 2016 Standard Core edition
  • 1x Data disk (127GB dynamic)
  • 3x vNIC (1x Management / iSCSI, 1x Hearbeart, 1x Synchronization)

Both nodes are deployed and joined to the domain.

Node preparation

On both nodes, I run the following cmdlet to install the features and prepare a volume for StarWind:

StarWind installation

Because I have installed nodes in Core edition, I install and configure components from PowerShell and command line. You can download StarWind VSAN free from this link. To install StarWind from command line, you can use the following parameters:

Current list of components:

Service. StarWind iSCSI SAN server.

service\haprocdriver. HA Processor Driver, it is used to support devices that have been created with older versions of the Software.

service\starflb. Loopback Accelerator, it is used with Windows 2012 and upper versions to accelerate iSCSI operation when client resides on the same machine as server.

service\starportdriver. StarPort driver that is required for operation of Mirror devices.

Gui. Management Console ;

StarWindXDll. StarWindX COM object;

StarWindXDll\powerShellEx. StarWindX PowerShell module.

To install StarWind, I have run the following command:

I run this command on both nodes. After this command is run, StarWind is installed and ready to be configured.

StarWind configuration

StarWind VSAN free provides a trial of 30 days for the management console. After the 30 days, you have to manage the solution from PowerShell. So I decided to configure the solution from PowerShell:

Once this script is run, two HA images are created and they are synchronized. Now we have to connect to this device through iSCSI.

iSCSI connection

To connect to the StarWind devices, I use iSCSI. I choose to set iSCSI from PowerShell to automate the deployment. In the first node, I run the following cmdlets:

In the second node, I run the following cmdlets:

You can run the command iscsicpl in a server core to show the iSCSI GUI. You should have something like that:

PS: If you have a 1GB/s network, set the load balance policy to Failover and leave Active the 127.0.0.1 path. If you have 10GB/s network, choose Round Robin policy.

Configure Failover Clustering

Now that a shared volume is available for both node, you can create the cluster:

Review the report and if all is ok, you can create the cluster:

Navigate to Active Directory (dsa.msc ) and locate the OU where is located the Cluster Name Object. Edit the permissions on this OU to allow the Cluster Name Object to create computer object:

Now we can create the Scale-Out File Server role:

Add-ClusterScaleOutFileServerRole -Name VMStorage01

Then we can initialize the StarWind disk to convert it later in CSV. Then we can create a SMB share:

The cluster looks like that:

Now from Hyper-V, I am able to store VM in this cluster like that:

Conclusion

StarWind VSAN free and Windows Server 2016 Standard Edition provides an affordable SDS solution. Thanks to this solution, you can deploy a 2-node storage cluster which provides SMB 3.11 shares. So Hyper-V can uses these shares to host virtual machines.

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Reach – English-Spanish Dictionary #solution #reach


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Online Language Dictionaries

En casos graves como éste hay que echar mano a medidas más drásticas.

reach for the starsexpr expression. Prepositional phrase, adverbial phrase, or other phrase or expression–for example, “behind the times,” “on your own.”

figurative (try to achieve [sth] difficult)

aspirar a lo máximo, soñar a lo grande, ir a por todo, alcanzar las estrellas loc verb locución verbal. Unidad léxica estable formada de dos o más palabras que funciona como verbo (“sacar fuerzas de flaqueza”, “acusar recibo”).

reach maturityv expr verbal expression. Phrase with special meaning functioning as verb–for example, “put their heads together,” “come to an end.”

(grow up, become an adult)

alcanzar la madurez loc verb locución verbal. Unidad léxica estable formada de dos o más palabras que funciona como verbo (“sacar fuerzas de flaqueza”, “acusar recibo”).

Some farm animals can take up to three years to reach maturity. A lot of kids these days are in too much of a hurry to reach maturity.

Algunos animales de granja demoran hasta tres años en alcanzar la madurez.

alcanzar la mayoría de edad loc verb locución verbal. Unidad léxica estable formada de dos o más palabras que funciona como verbo (“sacar fuerzas de flaqueza”, “acusar recibo”).

Note. Se usa únicamente para referirse a personas.

Muchos chicos hoy en día están muy apurados por llegar a la mayoría de edad.

reach orgasmv expr verbal expression. Phrase with special meaning functioning as verb–for example, “put their heads together,” “come to an end.”

(climax sexually, come)

alcanzar el clímax loc verb locución verbal. Unidad léxica estable formada de dos o más palabras que funciona como verbo (“sacar fuerzas de flaqueza”, “acusar recibo”).

Some people become so dependent on pornography that they can’t reach orgasm without it.

Algunas personas se vuelven tan adictas a la pornografía que no pueden alcanzar el clímax sin ella.

acabar⇒ vi verbo intransitivo. Verbo que no requiere de un objecto directo (Él no llegó “, “corrí a casa”).

Algunas personas se vuelven tan adictas a la pornografía que no pueden acabar sin ella.

correrse v prnl verbo pronominal. Verbo que se conjuga con un pronombre átono (“me”, “te”, “se”) que concuerda con el sujeto (“lavarse”, “irse”, “enojarse”).

Algunas personas se vuelven tan adictas a la pornografía que no pueden correrse sin ella.

venirse v prnl verbo pronominal. Verbo que se conjuga con un pronombre átono (“me”, “te”, “se”) que concuerda con el sujeto (“lavarse”, “irse”, “enojarse”).

Algunas personas se vuelven tan adictas a la pornografía que no pueden venirse sin ella.

tener un orgasmo loc verb locución verbal. Unidad léxica estable formada de dos o más palabras que funciona como verbo (“sacar fuerzas de flaqueza”, “acusar recibo”).

Algunas personas se vuelven tan adictas a la pornografía que no pueden tener un orgasmo sin ella.

irse v prnl verbo pronominal. Verbo que se conjuga con un pronombre átono (“me”, “te”, “se”) que concuerda con el sujeto (“lavarse”, “irse”, “enojarse”).

Algunas personas se vuelven tan adictas a la pornografía que no pueden irse sin ella.

reach outvi phrasal phrasal verb, intransitive. Verb with adverb(s) or preposition(s), having special meaning and not taking direct object–for example, “make up” [=reconcile]: “After they fought, they made up .”

(extend one’s arm outwards)

estirar el brazo loc verb locución verbal. Unidad léxica estable formada de dos o más palabras que funciona como verbo (“sacar fuerzas de flaqueza”, “acusar recibo”).

This sentence is not a translation of the original sentence. Estiró el brazo entre las rejas para agarrar la llave caída.

reach outvi phrasal phrasal verb, intransitive. Verb with adverb(s) or preposition(s), having special meaning and not taking direct object–for example, “make up” [=reconcile]: “After they fought, they made up .”

figurative (try to communicate)

contactar⇒. localizar⇒ vtr verbo transitivo. Verbo que requiere de un objeto directo (“di la verdad”, “encontré una moneda”).


CRM On Demand, Web Based CRM, Hosted CRM, Small Business CRM Software #esalestrack, #crm #on


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So Easy You’ll Actually Use It

Try Us for a Free Test Drive

Learn to be More Lazy with Our Podcast

Sales Force Automation Enjoy hassle-free automation of account management, event scheduling, sales forecasting and more.

For Superior Automation and Quality Customer Relationships

eSalesTrack Sales Force Automation (SFA) software from Soleran is an intelligent way to automate your sales pipelines and develop long-lasting, lucrative relationships. SFA is the fundamental requirement for any CRM (Customer Relationship Management) policy. eSalesTrack, a Soleran product, has both a user-friendly platform and international access. US-based Soleran is a company that is committed to helping SMBs improve their efficiency with on-demand, custom CRM solutions.

The web-based eSalesTrack Sales Force Automation enables hassle-free automation of these and other tasks — account management, opportunity management, event calendaring, territory management, sales forecasting, customization analytics, building of customizable dashboards, and customization analytics. Our SFA solutions can give you amazing visibility into different facets of customer relationship. So sales representatives can sell, upsell, correctly frame customer expectations, and engender renewals.

Real-time Data Access and a Great Deal More

The following are additional aspects of the eSalesTrack advantage for Sales Force Automation:

  • Analytics and real-time reports can be created. You can find out the current status of a campaign, sales quota, and conversion rates.
  • Updated, real time information about customers, leads and contacts would always be available and can be instantly accessed.
  • You can always be connected to your sales team even though they may be quite far from where you are. Even events and meetings can be arranged from anywhere and at any hour of the day.
  • You can make maximum use of all sales prospects and maximize ROI.
  • Helps to overcome dynamic challenges which could overcast sales forecasting.
  • Ensure a Positive Business Turnaround with Sales Force Automation

CRM Solutions Stay mobile and ahead of your competitors – let your CRM automate a wide range of business processes in real-time.

Take your small business to the next level with eSalesTrack web based CRM. A powerful tool from Soleran, eSalesTrack On Demand CRM makes your job easier by automating many day-to-day business tasks.

Web CRM — An Ideal Solution for Your Business

eSalesTrack web CRM system is packed with advanced features and tools to offer a complete solution for your business. Whether to automate and simplify your daily sales-related tasks, manage marketing initiatives, schedule meetings and contacts, customer follow-up, generating sales reports, eSalesTrack CRM does it all.

Our CRM solutions are effective in managing and automating many business processes including:

  • Sales Force Automation
  • Marketing Automation
  • Campaign Management
  • Customer Service Management
  • Enterprise Document Management
  • Sales/Marketing Analytics

eSalesTrack’s on-demand CRM lets you work from anywhere you want and allows you to access all your information anytime, anywhere — all using just a web browser. Best of all, it is entirely customizable to suit custom business needs.

Advantages of Web CRM

  • Most advanced CRM tools updated regularly for free
  • Centralized remote enterprise database accessible online
  • Mobile, wireless and offline editions, add-ons and syncs
  • Open-source web based CRM software with custom modules
  • Integration with office software applications
  • Real-time reports and analysis with custom filters
  • Better employee and customer contact management
  • 360 degree view of customers
  • Enterprise data security and backup

eSalesTrack CRM is scalable, flexible and affordable. You no longer need to undergo the hassle of purchasing or maintaining dedicated hardware nor make any costly investments for CRM software upgrades – we do it all for you automatically. No multi-tiered pricing plans or packages, just one low price packed full of features.

CRM Cloud Work from anywhere, anytime with access to all of your information – all using just a web browser.

eSalesTrack’s CRM cloud computing platform simplifies all your business activities and helps you build better prospects for your business. We provide a convenient and flexible web based solution for your company. Our CRM application is easy to access and configure from virtually anywhere.

Manage Multiple Business Processes under a Single Roof

We understand the importance of being competitive in the business field. With our cloud CRM model, we can provide you highly interactive features which keep you fully engaged in your business activities. eSalesTrack CRM cloud computing comes with rich functionalities and integrates many different business activities under a single roof.

In the course of your business management activities, you would have to work with an extensive range of office software applications, CRM, accounting software, e-commerce and other related business management software tools. Our prime function is to group all these systems in a centralized database and make it available to our customers through their web-enabled mobile devices and computers. With this user-friendly feature, our customers can easily navigate the system features for online accounting, forecasting, payroll services, analytics, marketing, sales and other business processes.

Advantageous Features of eSalesTrack CRM Cloud Solutions

Apart from its rich functionalities, by deploying eSalesTrack CRM cloud solutions you can:

  • Gain complete control over task management
  • Prioritize your business requirements
  • Coordinate individual and group tasks
  • Obtain greater ROI

No upfront investments are required to implement eSalesTrack CRM cloud computing software in your settings. Get immediate quotes for CRM cloud at eSales Track; reach us at 1-866-765-4CRM, for further information.

Web Based CRM Automate and simplify your daily sales-related tasks including scheduling meetings, following up with customers and generating sales reports.

eSalesTrack CRM solutions are a trusted on-demand service which provides companies with a versatile range of online options to manage their business in an informed and calculated manner. Developed by Soleran, the service comes with power-packed features and tools which would help a company stay ahead of its competitors and attain the desired scalability.

Stay Mobile and Automate Tasks

The web based CRM service offered by eSalesTrack lets the user stay mobile and automates a whole range of business processes in real-time. These include sales force automation, marketing automation, campaign management, customer service management, enterprise document management and sales/marketing analytics.

Today, eSalesTrack is integrated in some of the most popular and leading firms in the US. The following features are among the many reasons why small and medium enterprises choose our platform:

  • 360 degree view of customers
  • Centralized remote enterprise database accessible online
  • Mobile, wireless and offline editions, add-ons and syncs
  • Open-source web based CRM software with custom modules
  • Most advanced CRM tools updated regularly for free
  • Integration with office software applications
  • Accessibility from anywhere at any time
  • No installation or maintenance costs
  • Better employee and customer contact management

eSalesTrack’s an All-in-one CRM

If it’s a user-friendly, customizable, stable and secure service which is required, then eSalesTrack CRM solutions more than qualifies to meet your business challenges and offers invaluable insight into your company’s current and future prospects. The SaaS (software-as-a-service) has an excellent track record of letting a business overcome its limitations and attain targeted profit and growth.


Cloud computing #enterprise #cloud #solution


Open technology made for the cloud

Close the gap between business needs and what IT can deliver

Products

A single-subscription offering that lets you build and manage an open, private Infrastructure-as-a-Service (IaaS) cloud and ease your way into a highly scalable, public-cloud-like infrastructure based on OpenStack . A comprehensive IaaS cloud management platform that improves your virtual and cloud infrastructures with advanced capacity planning and resource management features. The ideal platform for your business to build a private cloud or for service providers to construct a public cloud. Complete virtualization management for servers and desktops on the same infrastructure. An open, hybrid Platform-as-a-Service (PaaS) that lets developers quickly develop, host, scale, and deliver apps in the cloud. An enterprise software system that gives you a scalable, secure framework to establish and maintain trusted identities and keep communications private. An operating system-independent, network-based registry that lets administrators centrally store user identity and application information.

Suites

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FHA 203k Loan Lender – Your Home Renovation Solution #boa #mortgage #rates


#203k mortgage

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Your 203K Loan Connection

What is an FHA 203K Loan?

Basically, it’s an FHA loan to purchase or refinance your home with additional funds for your home improvements. FHA which stands for Federal Housing Administration (FHA) is a mortgage insurance and is part of the Department of Housing and Urban Development (HUD). HUD or FHA do not make direct loans to consumers (homebuyers or homeowners) but FHA does insure loans that are funded by approved FHA lenders. FHA insures different types of home loans which one of them is the 203k that is used to rehab properties. The more popular version though is the FHA 203b which does not include funds for rehabilitation.

That is what makes an FHA 203k Loan different:

Most mortgage financing plans won’t provide funds to close unless the condition and value of the property are adequate enough to secure the loan. This means that the lender usually requires that improvements be made before a long-term mortgage is made. This is where the 203k loan comes into play because those improvements can now be made after the mortgage loan closes.

What Are The Types of 203K Rehab Mortgages?

There are two types of 203(k) rehabilitation Mortgages: The Standard 203(k) and the “Limited” also known as (AKA) a Streamline 203k

The Standard 203(k) Mortgage may be used for major remodeling, repairs and structural changes with a minimum repair cost of $5,000 and the use of a *203(k) Consultant is required.

The Limited 203(k) AKA Streamline may be used for cosmetic improvements, appliances and minor remodeling. The total rehabilitation cost must not exceed $35,000 and there is no minimum rehabilitation cost

*For more info about the 203K Consultant download the Free FHA 203K Guide.

What Are The Benefits of Using An FHA 203k Lender?

Many lenders offer FHA loans but the list of Lenders who offer FHA 203K Loans is short. Your best bet is to find and work with an FHA 203k Lender who is knowledgeable and experienced to guide you through the process. An FHA 203k lender can also do Regular FHA loans without renovations so working with a 203k Specialist will allow you to have additional FHA financing options without having to start the process over again.

How About FHA 203k Rates?

203k Rates in comparison to a regular FHA 203b loan without rehabilitation funds can be slightly higher but minimal. If you take into consideration the advantages of having one loan to purchase or refinance with additional funds included for home improvements with minimal down payment or equity it is quite attractive compared to any other alternative.

What Are 203k Loan Requirements?

203k Loan Requirements such as credit, income, down payment etc. are similar to the more popular standard FHA 203b loan that doesn’t provide funds for home improvements. Both have flexible guidelines with minimal down payment than most any other type of loan available. The difference between the two is that the FHA 203K will allow for the repairs, rehab or remodeling of your home to be included into the new loan while the Standard FHA 203B won’t.

Why You Might Be Here :

  • The condition of your property won’t qualify for traditional financing
  • The condition of your property just isn’t to your liking
  • The lender you are in contact with does not offer or have experience with renovation 203k loans
  • You just heard about this type of loan through maybe a Real Estate agent, another lender or someone you know

What Will You Do With the FHA 203K Loan

Has the idea of making your home your way perked your interest?
Talk to a 203K Specialist for YOUR area for more details or to get started.

Want to read more about FHA 203k’s? Then check out the 203k blog where you can find more general information on requirements, guidelines, credit scores, appraisals, rates, closing cost, down payment and more on the opportunities and options when using this type of financing.

Ask A 203K Lender

Do you have a specific question or scenario you would like answered directly by your renovation loan specialist? Then just go to your state page where your property is located for answers. Or, for a general question you can’t find the answer to, on the 203k Mortgage Lender site, then feel free to post it at the “Ask A 203K Lender” blog page.

Lenders Originators

Would you like to find out how you can be listed on the 203k Lender Directory?

Contact us for more information at :


Best Data Mining Tools – 2017 Reviews, Pricing & Demos #data #mining #for #business #intelligence


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Data Mining Tools

Buyer’s Guide

A major challenge for businesses is how to turn large, convoluted data sets into information that users can leverage to improve operations. Meanwhile, as companies struggle to find the best approach, their data sets continue growing larger and more convoluted, while some of their competitors turn their own analyses into actionable insight and competitive advantage.

Data mining software addresses this exact problem. It s a core application in most business intelligence initiatives and it s often the only tool able to extract insight from mountains of data. And as computing and application costs continue to become more affordable, data mining is no longer an exclusively enterprise-class endeavor. Now, even companies in the SMB space are rolling out data mining initiatives and reaping their rewards.

In this buyer s guide, we address the following points and answer the following questions:

What Is Data Mining Software?

Data mining software allows users to apply semi-automated and predictive analyses to parse raw data and find new ways to look at information. It s typically applied to very large data sets, those with many variables or related functions, or any data set too large or complex for human analysis.

Some examples of how data mining is used in different industries include:

Ecommerce companies use data mining to analyze visitor demographics and discover how to deliver a better customer experience. They might, for example, find that some products sell better during certain times of the day. Using this insight they could increase sales by reconfiguring which products are displayed based on time of day.

Insurance companies use data mining to find patterns in populations that can inform the processes of underwriting and policy management. Armed with these insights, they can offer more attractive policies tailored to specific customer segments.

Service providers use data mining to better cater to their clients needs and make suggestions for the most effective upsell opportunities. Cable and internet service providers regularly mine customer data to improve their service offerings.

  • Governmental agencies use data mining to better understand many large-scale social, political and economic changes. A local government might, for example, discover better ways to develop its road and traffic infrastructure by mining the data created from the monitoring of traffic patterns throughout the week.
  • It s also important to note what data mining software does not do. Namely, it doesn t collect the data in the first place. Most data mining solutions are designed to work with pre-existing data sets. Buyers are advised to pay close attention to the language and descriptions used in vendor marketing materials to ensure the tool they buy is the actual solution they need.

    Common Features of Data Mining Software

    Data mining platforms often include a variety of tools, sometimes borrowing from other, related fields such as machine learning, artificial intelligence and statistical modeling. The offerings do vary from vendor to vendor, but there are some features common across the board. These can include:

    Help convert existing data-sets into the proper formats necessary in order to begin the mining process.

    These tools can categorize (or cluster) groups of entries based on predetermined variables, or can suggest variables which will yield the most distinct clustering.

    A common data mining tool that finds outliers and anomalous entries in vast, complex and/or interrelated data-sets.

    Data mining, by definition, requires automation. But different data mining platforms require different degrees of human input and oversight.

    Benefits of Data Mining

    Data mining applications help users discover correlations and connections within large data sets. These often include numerous entries with multiple variables and can even contain mixed structured and unstructured data. Because of the size and complexity of these data sets, any valuable correlations within them would have gone unnoticed if not for the tireless algorithmic analysis performed with data mining tools.

    While specific goals vary from company to company, we can say that companies generally implement data mining systems to:

    Accelerate discovery with semi-automated analyses

    Segment customers into groups based on homogeneous activities and demographics

    Generate models to predict future trends

    A classic example of how these systems can be used is with customer purchasing patterns at grocery stores. If shoppers tend to buy items such as toilet paper, diapers and alcohol before the weekend, retailers can place these items closer together to maximize revenue. Store owners can further capitalize on this opportunity by running specials on these items to encourage additional purchases.

    Key Considerations for Selecting Data Mining Software

    When evaluating data mining software, you should consider the following:

    Best-of-breed or integrated suite? Buyers should consider whether they want a stand-alone, best-of-breed data mining application or would prefer to go with the data mining module from their existing Enterprise Resource Planning (ERP) provider. If buyers choose to evaluate stand-alone systems, they should discuss integration capabilities with these pure-play vendors.

    Do you need to invest in hardware? Businesses without IT resources (or a budget to invest in new, faster servers) may choose to instead host their data in the cloud. However, in-memory processing advances have improved the speed and capability of these applications, lessening the IT investment previously necessary to effectively utilize data mining applications.

    Do you have the talent to utilize these applications? Like with any software application, data mining solutions require the right questions to discover useful answers within data. For example, if you are evaluating data mining tools from enterprise vendor SAS, do you have analysts versed in the sample, explore, modify, model, assess (SEMMA) framework used in SAS data mining applications? Businesses must have sophisticated users to make the most out of their investment in these systems.

    Recent Events

    Microsoft acquires LinkedIn. June, 2016: Microsoft corporation announced it had reached a deal to acquire the professional networking site LinkedIn for $26.2B. It s generally agreed that the software giant is making the acquisition in large part to improve its data mining capabilities with LinkedIn s vast stores of user data.

    Data mining gives researchers insight into human behaviors. June, 2016: Researchers at Harvard University, Cornell University and Microsoft Corporation announce results of a study that looks at the factors that influence how people make decisions when under pressure.

    Some consumers more open to data mining. June, 2016: As data mining becomes more familiar to consumers, it s becoming clear that some are more willing to have their data mined than others. This report looks at the relative willingness of Chinese consumers to provide personal data to companies, sometimes in exchange for free services or account credits.