Specialist mortgage products – L – C Mortgage Guides #compare #mortgage #loans


#mortgage products

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Niche products

Sub prime

A sub-prime mortgage is aimed at borrowers who do not fit the typical lending criteria of high street mortgage lenders. The most common reason for this is where the borrower has had some credit problems in the past that makes them ineligible for a standard (or prime) mortgage deal – such problems include missed loan payments, County Court Judgements or bankruptcy.

A borrower in this position is considered by mortgage lenders to be a higher risk and therefore interest rates on sub-prime deals can be a lot higher than usual, depending on the severity of the credit issues.

Self Certification

A self-certification mortgage is one where the borrower certifies his or her own income, rather than provide proof of it to the mortgage lender for assessment.

Self-cert deals are designed to help self-employed people and people with multiple sources of income who aren’t able or would struggle to provide proof of their full income. However, since the credit crunch, these deals have all but disappeared due to the risks involved in banks lending money without proof of the borrower’s income

Green mortgages

The term ‘green mortgage’ can mean a range of things, but generally it refers to two types of mortgage. The first is a mortgage deal that offers some environmental/ecological benefit or incentive – a lender may, for example, plant trees on your behalf, or make a donation to a charity or project. Interest rates on such green mortgage deals can be high relative to standard deals so you may be better off getting the best deal you can and then making your own contributions to green causes.

The second type is a deal that is aimed at people buying, building or renovating an eco-friendly home – certain lenders may be willing to lend on such projects where other lenders wouldn’t.

Self-build

A self build mortgage is aimed at people requiring finance to build their own property as opposed to buying an existing one – they can also be suitable for renovation projects. The money is typically released in stages as the build progresses with the mortgage lender visiting and assessing the build at each stage – depending on the deal, money is released either before or after each stage.

Some new build deals will insist that you already have the plot of land on which to build, whilst others will provide finance for that too.

Due to the risky nature of building your own home, it is essential that you have a detailed budget and good cashflow before embarking on a project and securing finance.

New build

For many people, buying a new build property is a great way to get on or move up the housing ladder. A brand new home can give you the freedom to make it your own and it should give you fewer structural problems than an old or period home.

However, not all lenders will lend on new build properties, particularly new build flats and those that do will have specific limits on how much you can borrow compared to the property value. If you’re buying a new build property, it’s important to make sure that you can secure the mortgage you need before committing to anything

There may be certain offers available from the house builder or developer and you may be eligible for Government home ownership schemes.

Shared ownership/HomeBuy schemes

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

We’re here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you’re a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We’ll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.

Representative example A mortgage of 204,382 payable over 23 years, initially on a fixed rate until 30/09/18 at 2.28% and then on a variable rate of 4.00% for the remaining 21 years would require 26 payments of 951.59 and 250 payments of 1,116.47. The total amount payable would be 304,884 made up of the loan amount plus interest ( 99,477) and fees ( 1,025). The overall cost for comparison is 3.8% APRC representative.

London Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA is a company limited by shares. Our Companies House number is 1988608. We are also authorised and regulated by the Financial Conduct Authority. Our FCA number is 143002. The FCA does not regulate most Buy to Let mortgages.

© 2016 London Country. All rights reserved.


Home Mortgage Specialist – Refinance, Mortgage Refinancing #10 #year #fixed #mortgage #rates


#becu mortgage rates

#

Home mortgage specialist In addition to dealing with different collectors credit cards that never fail to call you almost 24 hours a day, you also have to pay the huge interest payments each month. You can look online, or you can go to a more traditional lender for your mortgage refinancing.

home mortgage specialist

If you refinance your home for a period of mortgage loans at reduced interest rates, you can reduce your monthly payment.�If your credit is fortunately improved, or your home has increased in market value, you can easily qualify for a lower rate. So before you even consider asking a refinance home loan, first whether it is really what you need.

home mortgage specialist

home mortgage specialist

I hope these basic tips will help you in finding practical refinancing. The third way to reduce your payment is to refinance an interest only loan.�In general, with an interest only loan, the minimum amount you need to pay the amount of interest for a certain period of time, if you can pay principal as much as you want.


Home Mortgage Specialist – Refinance, Mortgage Refinancing #mortgage #forms


#becu mortgage rates

#

Home mortgage specialist In addition to dealing with different collectors credit cards that never fail to call you almost 24 hours a day, you also have to pay the huge interest payments each month. You can look online, or you can go to a more traditional lender for your mortgage refinancing.

home mortgage specialist

If you refinance your home for a period of mortgage loans at reduced interest rates, you can reduce your monthly payment.�If your credit is fortunately improved, or your home has increased in market value, you can easily qualify for a lower rate. So before you even consider asking a refinance home loan, first whether it is really what you need.

home mortgage specialist

home mortgage specialist

I hope these basic tips will help you in finding practical refinancing. The third way to reduce your payment is to refinance an interest only loan.�In general, with an interest only loan, the minimum amount you need to pay the amount of interest for a certain period of time, if you can pay principal as much as you want.


Specialist mortgage products – L – C Mortgage Guides #mortgages #for #teachers


#mortgage products

#

Niche products

Sub prime

A sub-prime mortgage is aimed at borrowers who do not fit the typical lending criteria of high street mortgage lenders. The most common reason for this is where the borrower has had some credit problems in the past that makes them ineligible for a standard (or prime) mortgage deal – such problems include missed loan payments, County Court Judgements or bankruptcy.

A borrower in this position is considered by mortgage lenders to be a higher risk and therefore interest rates on sub-prime deals can be a lot higher than usual, depending on the severity of the credit issues.

Self Certification

A self-certification mortgage is one where the borrower certifies his or her own income, rather than provide proof of it to the mortgage lender for assessment.

Self-cert deals are designed to help self-employed people and people with multiple sources of income who aren’t able or would struggle to provide proof of their full income. However, since the credit crunch, these deals have all but disappeared due to the risks involved in banks lending money without proof of the borrower’s income

Green mortgages

The term ‘green mortgage’ can mean a range of things, but generally it refers to two types of mortgage. The first is a mortgage deal that offers some environmental/ecological benefit or incentive – a lender may, for example, plant trees on your behalf, or make a donation to a charity or project. Interest rates on such green mortgage deals can be high relative to standard deals so you may be better off getting the best deal you can and then making your own contributions to green causes.

The second type is a deal that is aimed at people buying, building or renovating an eco-friendly home – certain lenders may be willing to lend on such projects where other lenders wouldn’t.

Self-build

A self build mortgage is aimed at people requiring finance to build their own property as opposed to buying an existing one – they can also be suitable for renovation projects. The money is typically released in stages as the build progresses with the mortgage lender visiting and assessing the build at each stage – depending on the deal, money is released either before or after each stage.

Some new build deals will insist that you already have the plot of land on which to build, whilst others will provide finance for that too.

Due to the risky nature of building your own home, it is essential that you have a detailed budget and good cashflow before embarking on a project and securing finance.

New build

For many people, buying a new build property is a great way to get on or move up the housing ladder. A brand new home can give you the freedom to make it your own and it should give you fewer structural problems than an old or period home.

However, not all lenders will lend on new build properties, particularly new build flats and those that do will have specific limits on how much you can borrow compared to the property value. If you’re buying a new build property, it’s important to make sure that you can secure the mortgage you need before committing to anything

There may be certain offers available from the house builder or developer and you may be eligible for Government home ownership schemes.

Shared ownership/HomeBuy schemes

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

We’re here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you’re a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We’ll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.

Representative example A mortgage of 204,382 payable over 23 years, initially on a fixed rate until 30/09/18 at 2.28% and then on a variable rate of 4.00% for the remaining 21 years would require 26 payments of 951.59 and 250 payments of 1,116.47. The total amount payable would be 304,884 made up of the loan amount plus interest ( 99,477) and fees ( 1,025). The overall cost for comparison is 3.8% APRC representative.

London Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA is a company limited by shares. Our Companies House number is 1988608. We are also authorised and regulated by the Financial Conduct Authority. Our FCA number is 143002. The FCA does not regulate most Buy to Let mortgages.

© 2016 London Country. All rights reserved.


Eye Physician – Surgeon – Physicians Eye Clinic – Surgery Center – Everett WA #eye


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Eye Clinic Surgery Center in Everett, WA

When you need medical eye treatments . our talented, experienced, and friendly staff is sure to exceed your expectations. Using the latest technology and equipment, we can treat most eye conditions including ptosis and puffy eyelids. Learn more about our services and procedures at our companion site.

Eye Exams and Glasses

After receiving the necessary eye exams. you can walk out looking fabulous in brand new glasses, sunglasses, and more from our Gallery of Eyewear store. Our friendly frame stylists will assist you in finding the frames that look the best and fits you comfortably. We feature the Duet contact lenses. We are able to correct for Astigmatism and Multifocal prescriptions with contact lenses.

Hours of Operation. Monday – Friday, 8:00 a.m. – 5:00 p.m. | Service Area: Snohomish, Skagit, King, Whatcom, and Island Counties

Fully Accredited Outpatient Surgery Center | Board Certified Physicians | Highly-Qualified and Experienced Registered Nurses ACLS Certified Surgical Technicians | Guaranteed next Day Eye Glass Service Available

Angie’s List Super Service Award 2012 winners have met strict eligibility requirements, including earning a minimum number of reports, an excellent rating from their customers and abiding by Angie’s List operational guidelines.

About Us

Since 1968, Physicians Eye Clinic Surgery Center has provided state-of-the-art eye care to individuals in Everett, Washington. With more than 50 years of combined experience, our eye doctors offer a complete array of vision services.

Click HERE to learn more about our services and procedures.


Masters in Education Leadership and Administration Degree Program #online #educational #specialist #degree #programs


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Educational Leadership

PREPARING EXCELLENT LEADERS FOR EXCELLENT SCHOOLS

Discover how an Educational Leadership degree provides options in the education field by allowing you to lead in the classroom, in your school, or in your district.

Upon completing this program, graduates seeking the Ohio principal licensure are required to pass the OAE Exam. Graduates residing in other states will need to determine their state’s specific requirements for licensure. For more information about Reciprocity and Principal Licensure, click here .

A master s degree in Educational Leadership offers educators options for their future. Understand what it takes to be a student in the program and what career paths will be available to you upon graduation.

Here you can view all of the courses with descriptions and credit hours for your new Master of Education in Educational Leadership curriculum.

  1. Administrator. Hello Chris, thank you for contacting us. Our program is 100.
  2. Administrator. Hi Shannon, thank you for your interest. We will have an Enr.
  3. Shannon. Could you please contact me by email to answer a few questio.
  4. Administrator. Hi Regina, please contact you Program Manager at (800) 226-0.
  5. Regina. I completed the teacher leader program a few years ago and n.
  6. Administrator. Hi Angela, Thank you for your inquiring about the Univers.
  7. Administrator. Hi Jared, Thank you for question. The licensing bureau in t.
  8. Administrator. Hi Samantha, Thank you for contacting us regarding the.
  9. Administrator. Hi Rob, The MEd STEM program consists of 30 credits. Please.
  10. Administrator. Hi Claudette, the University of Cincinnati Literacy and Seco.
Top Ranked

The College of Education, Criminal Justice, and Human Services is ranked 55th among U.S. News and World Report Best Education Schools. more

CAEP* Accreditation

UC’s College of Education id fully accredited by the Council for the Accreditation of Educator Preparation (CAEP*). more

Regional Accreditation

UC is regionally accredited by The Higher Learning Commission of the North Central Association of Colleges Schools. more

Thank You

Thank you for your interest in the University of Cincinnati’s Master of Education program and for providing your contact information.

An Enrollment Advisor will be contacting you shortly.

Click Here to download our brochure.


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


#

Hi. How can I help you?

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

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

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

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

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

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

Connect with me


Reading Interventionist #reading #specialist #online #degree


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Reading Interventionist

The Reading Interventionist program enhances instructional skills in the area of reading, provides the knowledge and experience base needed to serve as a reading specialist, and prepares candidates for the TSPC required reading test. This concentration allows teachers to add the Reading Interventionist endorsement to an existing license with the addition of a practicum and with the passing of the Praxis II Reading exam (5301).

There are three pathways that candidates can progress through the Reading Interventionist Endorsement program offered at Concordia University.

Pathway 1: The Masters of Education in Curriculum and Instruction – Reading Endorsement concentration is a graduate program offered to candidates who already possess a teaching license and are seeking the added Reading endorsement in Oregon or Washington. Candidates earn the M.Ed in Curriculum Instruction: Reading Endorsement.

Pathway 2: Candidates outside the Oregon/Washington area are eligible to complete the Masters of Education in Curriculum and Instruction Reading Non-Endorsement program. The course progression is identical in both programs; however, the non-endorsement program does not include the practicum for licensure.

Pathway 3: Candidates may elect to complete only the Reading endorsement components of the degree and earn the Reading Interventionist certificate. This is a graduate level certificate for teachers seeking to add the Reading endorsement to their existing teaching license in Oregon or Washington.

Reading Interventionist Courses

EDRD 551 Diagnosis and Assessment of Reading (3)
EDRD 552 Fostering Engagement and Reading for Meaning through Young Adult and Children s Literature (3)
EDRD 553 Advanced Techniques for Teaching Reading (3)
EDRD 554 Current Issues in Literacy (3)
EDRD 555 Organization and Management of Reading Programs (3)

To complete the endorsement in Reading:
EDRD 550 Reading Interventionist Practicum (2)

TOTAL semester credits (15-17)

  • Educational Resource Scholarship to help offset the cost of textbooks and technology
  • Alumni of ANY Lutheran College or University District Partners Receive 20% Off Tuition
  • $2,500 or $4,000 AmeriCorps/Peace Corps alumni grant

What Concordia University graduates bring to the classroom

Jennifer McCalley, interim principal at Faubion School PK-8, talks about the many abilities teachers educated at Concordia University bring to the classroom from day one including experience, classroom management, technology skills, and adaptability.

[The instructors] challenged you to perform your very best. They were also very accessible.
— Wheeler Brown


How to Choose an Eye Doctor #eye, #doctor, #vision, #specialist, #opthalmologist, #optometrist, #optician, #physician, #insurance,


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How to Choose an Eye Doctor

Do things look a little fuzzy these days? It’s probably time to see an eye doctor.

If you’ve never been before, choosing one can be tricky. There are several kinds of eye care experts who specialize in different things.

How Do I Find One?

If you’ve never seen an eye doctor, you need to make sure you find a good one.

Talk to your doctor or pediatrician. She’ll have the names of eye specialists in your area. She may even have a sense of who would be a good fit for you or your children.

Ask family, friends, and co-workers. Think of everyone you know who wears glasses — they all have eye doctors. Ask them.

Check with professional organizations. The American Academy of Ophthalmology and the American Optometric Association have tools on their websites to help find eye doctors in your area.

After the Appointment

When you’re on the way home, ask yourself:

Did you have to wait a long time? If you did, you may want to ask the office staff about the average length of time before the doctor will see you.

Did the exam feel complete? If you felt rushed by the doctor, that’s probably not a good sign.

Did he listen to your questions and answer them clearly? Good communication is key for your eye health .

Did you feel comfortable? This really is important. If you don’t like the doctor, you’ll be less likely to get checkups, and that isn’t good for your health.

If your first attempt didn’t meet your expectations, don’t be afraid to try someone else. Your eye health is key to a long, healthy life. It’s worth it to take the time to find a doctor you trust.

WebMD Medical Reference Reviewed by Alan Kozarsky, MD on September 13, 2015

Sources

American Academy of Ophthalmology: “eyeSmart: Know Your Eyecare Team.”

American Optometric Association: “Comprehensive Eye and Vision Examination.”

Eye Surgery Education Council: “How to Choose a Surgeon.”

Prevent Blindness America: “Who’s Who in Eyecare?”

© 2015 WebMD, LLC. All rights reserved.


NHSBT – ODT Clinical Site – The role of the Specialist Nurse in Organ Donation


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The role of the Specialist Nurse in Organ Donation

Topics Covered:

Specialist Nurses – Organ Donation, also know as SN-ODs, are nearly always senior nurses from a clinical background usually in intensive care or emergency medicine. The role of the SN-OD encompasses an on-call element to support the facilitation of organ donation in addition to a role within the Hospital, Trust or Hospital Board to which they are allocated.

The role of the Specialist Nurse – Organ Donation within the Hospital

The SN-OD is the focal point of contact for organ donation within the Hospital / Trust; the role encompasses many different aspects, which all come together in the identification and referral of potential organ and tissue donors. Aspects of the role include:

  • Identification of potential organ and tissue donors in collaboration with the clinical teams in critical care environments.
  • Working with clinical teams to ensure the relevant pathways are established to support timely identification and referral of potential organ and tissue donors.
  • Potential Donor Audit (PDA) – SN-ODs are responsible for the completion of the potential donor audit in all patients aged 75 years or under who die in the intensive care or emergency departments. Further information regarding the PDA can be found at (link)
  • Provision of teaching and education sessions to the following groups:
    • Clinical staff in intensive care, operating theatres and emergency departments
    • Medical and nursing staff
    • Student and post-graduate nurses
    • Student Operating Department Practitioners
    • Police, Coroners and Procurators Fiscal
  • A key member of the Organ Donation Committee within the Trust / Hospital Board, working in close collaboration with the Clinical Lead – Organ Donation (CL-OD) and the Committee Chair.

The role of the on-call Specialist Nurse – Organ Donation

Each SN-OD participates in an on-call rota within the organ donation region to which they are assigned.

Each of the 12 regions has an Organ Donation Services Team with between two and four SN-ODs on-call at any one time to respond to referrals from the hospitals within their region. On receipt of a referral the SN-OD is able to check the Organ Donor Register (ODR) to ascertain if the patient has recorded a wish to donate and, in conjunction with the national transplant centres and the relevant national guidance, establish if the patient would be eligible to donate organs and / or tissues following their death.

The role of the on-call SN-OD is to provide information and support to the family of a potential organ donor in collaboration with the critical care team. In addition they support and advise the clinical team caring for a patient and manage the donation process, this includes:

  • Patient assessment, including completion of the Core Donor Data set
  • The Role of HM Coroner in relation to Organ Donation: England, Northern Ireland and Wales
  • Documenting Consent / Authorisation for donation
  • Potential donor optimisation
  • Logistical management of the donation process
  • Placement of organs
  • Care of the donor following donation
  • Liaison with the National Organ Retrieval teams and Tissue Services
  • Provision of follow-up to the next and kin and hospital staff

It is important that any patient who may be a potential donor is referred to the SN-OD in a timely manner to ensure that they are able to provide advice regarding the patient’s suitability to donate organs and/or tissues.

The SN-OD has the detailed knowledge and expertise to lead the donation process in collaboration with the clinical team; therefore it is important that they are involved in both the planning and family approach for donation as early as possible. This ensures that families are provided with the information and support they require to make an informed decision about organ donation.

The contact details for the SN-OD on-call can be found on the intensive care unit or emergency department in the hospital.