The document provides an overview of various mortgage loan programs in California, including conventional loans, insured loans through FHA and VA, and the CalVet program. It describes the basic requirements and guidelines of these popular loan types, such as down payment amounts, income qualifications, interest rates, closing costs and maximum loan limits. The summary also notes that these programs aim to expand homeownership opportunities by reducing barriers for eligible borrowers through lower down payments or loan guarantees.
The document discusses various aspects of 1031 exchanges, which allow taxpayers to defer capital gains taxes when exchanging one investment property for another. It explains the rules around like-kind exchanges, including that the properties must be held for investment purposes. It also outlines the guidelines for deferred exchanges, including that any cash or "boot" received in an exchange is taxable and the timelines for identifying and closing on a replacement property.
The document summarizes FHA and VA loan programs that can help buyers with lower credit scores or who have faced prior bankruptcies or foreclosures. Key points include:
- FHA allows lower down payments of 3.5%, higher debt ratios, prior bankruptcies only 2 years old, and gift funds can cover down payment and closing costs. Maximum loan amount is $697,500.
- VA offers zero down payment, prior bankruptcies allowed after 2 years, and gift funds can cover closing costs. Maximum loan amount is $417,000 with no down payment required.
- Both programs accept alternative credit documentation for buyers with credit scores below 620 and allow prior fore
how do we view sex? (cellphone at pag-ibig)Marian Fausto
This document contains a presentation on sexuality and relationships for secondary school teachers. It discusses modern cultural views of sex, the difference between love and infatuation, healthy relationships, and abstaining from premarital sex. Reasons are given for why youth engage in premarital sex, and the emotional, health and spiritual consequences of doing so. Messages of purity, modesty, respect for one's body and waiting for marriage are promoted. Help is offered to those struggling.
The document provides guidance for real estate agents on capturing phone calls from prospective buyers, qualifying buyers, and conducting property showings. It recommends that agents obtain the caller's name, phone number, and reason for calling to capture phone leads. When showing properties, agents should sell the neighborhood, create a favorable ambiance, and follow rules of conduct. After showings, agents should try to obtain the buyer's offer or set up another appointment to continue working with the prospective client.
This document discusses gas turbine fire suppression systems and focuses on CO2 fire suppression in particular. It outlines the key advantages of CO2 systems, including that CO2 is versatile, fast-acting, leaves no residue, and is relatively inexpensive. However, it also notes that high concentrations of CO2 can impact the central nervous system and heart function. As an alternative, the document introduces high-pressure water mist systems, which provide a safe alternative to CO2 while still being fast-acting and minimizing fire damage.
ROC Industries provides gas turbine fire protection systems with over 10,000 installed systems in over 90 countries. They offer full lifecycle support including design, manufacturing, installation, commissioning, and aftermarket support. Their systems have a 99.9% first pass test success rate and 99.5% on-time delivery over the past 24 months.
The document provides an overview of various mortgage loan programs in California, including conventional loans, insured loans through FHA and VA, and the CalVet program. It describes the basic requirements and guidelines of these popular loan types, such as down payment amounts, income qualifications, interest rates, closing costs and maximum loan limits. The summary also notes that these programs aim to expand homeownership opportunities by reducing barriers for eligible borrowers through lower down payments or loan guarantees.
The document discusses various aspects of 1031 exchanges, which allow taxpayers to defer capital gains taxes when exchanging one investment property for another. It explains the rules around like-kind exchanges, including that the properties must be held for investment purposes. It also outlines the guidelines for deferred exchanges, including that any cash or "boot" received in an exchange is taxable and the timelines for identifying and closing on a replacement property.
The document summarizes FHA and VA loan programs that can help buyers with lower credit scores or who have faced prior bankruptcies or foreclosures. Key points include:
- FHA allows lower down payments of 3.5%, higher debt ratios, prior bankruptcies only 2 years old, and gift funds can cover down payment and closing costs. Maximum loan amount is $697,500.
- VA offers zero down payment, prior bankruptcies allowed after 2 years, and gift funds can cover closing costs. Maximum loan amount is $417,000 with no down payment required.
- Both programs accept alternative credit documentation for buyers with credit scores below 620 and allow prior fore
how do we view sex? (cellphone at pag-ibig)Marian Fausto
This document contains a presentation on sexuality and relationships for secondary school teachers. It discusses modern cultural views of sex, the difference between love and infatuation, healthy relationships, and abstaining from premarital sex. Reasons are given for why youth engage in premarital sex, and the emotional, health and spiritual consequences of doing so. Messages of purity, modesty, respect for one's body and waiting for marriage are promoted. Help is offered to those struggling.
The document provides guidance for real estate agents on capturing phone calls from prospective buyers, qualifying buyers, and conducting property showings. It recommends that agents obtain the caller's name, phone number, and reason for calling to capture phone leads. When showing properties, agents should sell the neighborhood, create a favorable ambiance, and follow rules of conduct. After showings, agents should try to obtain the buyer's offer or set up another appointment to continue working with the prospective client.
This document discusses gas turbine fire suppression systems and focuses on CO2 fire suppression in particular. It outlines the key advantages of CO2 systems, including that CO2 is versatile, fast-acting, leaves no residue, and is relatively inexpensive. However, it also notes that high concentrations of CO2 can impact the central nervous system and heart function. As an alternative, the document introduces high-pressure water mist systems, which provide a safe alternative to CO2 while still being fast-acting and minimizing fire damage.
ROC Industries provides gas turbine fire protection systems with over 10,000 installed systems in over 90 countries. They offer full lifecycle support including design, manufacturing, installation, commissioning, and aftermarket support. Their systems have a 99.9% first pass test success rate and 99.5% on-time delivery over the past 24 months.
This document discusses the secondary mortgage market in the United States. It explains that primary lenders originate loans and then sell them in the secondary market to access funds for new loans and avoid long-term risk. It outlines the roles of the Federal Housing Finance Agency, Fannie Mae, Freddie Mac, and Ginnie Mae in regulating and facilitating the secondary market for mortgages.
This document discusses loan defaults, delinquencies, and foreclosures. It describes defaults as a breach of loan terms that can lead lenders to accelerate repayment and pursue foreclosure as a last resort. Delinquencies involve missed or late payments of principal, interest, taxes, insurance, and other amounts owed. The document outlines various options to adjust loans such as workouts, moratoriums, and voluntary deed conveyance to avoid foreclosure. It then details the processes of power-of-sale foreclosures using deeds of trust and judicial foreclosure and sale for conventional mortgages, both of which can lead to a public sale of the property.
Ch 15 mathematics of real estate financedjohnston5
This chapter discusses key concepts in real estate finance including interest, simple interest, add-on interest, nominal and effective interest rates, compound interest, the compound worth of an annuity, the time value of money, payment schedules, measuring profitability, and discounting trust deeds and mortgages. It covers topics such as calculating interest paid on principal, the effects of compounding interest over time, amortization schedules, analyzing returns on investments, and determining the present value of future cash flows.
This document provides an overview of getting started in real estate, including operating a real estate business, understanding the real estate market, selling homes as a people business, comfort zones in transactions, body language, real estate licenses, broker requirements, taxes as an independent contractor, and choosing a brokerage. Key points covered include setting business hours, being self-motivated, buyers determining market prices, emotion playing a role in purchases, comfort zones around financing and down payments, body language conveying over 50% of messages, license requirements, broker responsibilities, and tax obligations.
The document discusses different types of listing agreements that can be used between real estate brokers and property owners. It provides details on open listings, net listings, exclusive agency listings, and exclusive right to sell listings. The most commonly used type is the exclusive right to sell listing, as it guarantees the listing broker will receive a commission no matter who sells the property. The document also outlines the typical steps and components involved in completing a listing agreement and presentation for a property.
The document discusses property management, including the history and growth of the profession, certification requirements, types of property managers and properties managed, and key responsibilities like leasing, maintenance, and record keeping. It also covers types of leases, requirements for a valid lease, and considerations for residential leasing like rental applications and tenant screening.
This document discusses real estate disclosure laws that require agents and sellers to disclose all material facts about a property to buyers. It covers what must be disclosed, including agency relationships and property conditions. Agents must disclose their agency status in writing, allow the principal to elect the type of agency, and then confirm the agency in writing. Sellers must complete a transfer disclosure statement disclosing all known defects to buyers, and agents must disclose any property inspections.
This document provides information on gas turbine fire suppression systems using carbon dioxide (CO2) and high pressure water mist. It discusses the characteristics of CO2 systems, including how CO2 works as a suppression agent, and its advantages of being versatile, fast-acting, clean and low-cost. It also summarizes how high pressure water mist is a safer and more environmentally friendly alternative to CO2 and halons. The document concludes by describing typical water mist suppression systems for gas turbine enclosures.
Hiscox vient de conduire une étude prospective en concertation avec la Future Foundation sur la Maison du Futur. Nous nous sommes demandé quels seraient les principaux développements dans le domaine de l’habitat, des modes de vie et de la construction dans en France, au Royaume-Uni et en Allemagne dans les dix prochaines années.
Ce premier rapport Hiscox nous révèle notamment que le fonctionnement et les possibilités des futures habitations évolueront sensiblement.
M2i Webinar - « Participation Financière Obligatoire » et CPF : une opportuni...M2i Formation
Suite à l'entrée en vigueur de la « Participation Financière Obligatoire » le 2 mai dernier, les règles du jeu ont changé !
Pour les entreprises, cette révolution du dispositif est l'occasion de revoir sa stratégie de formation pour co-construire avec ses salariés un plan de formation alliant performance de l'organisation et engagement des équipes.
Au cours de ce webinar de 20 minutes, co-animé avec la Caisse des Dépôts et Consignations, découvrez tous les détails actualisés sur les dotations et les exonérations, les meilleures pratiques, et comment maximiser les avantages pour les entreprises et leurs salariés.
Au programme :
- Principe et détails de la « Participation Financière Obligatoire » entrée en vigueur
- La dotation : une opportunité à saisir pour co-construire sa stratégie de formation
- Mise en pratique : comment doter ?
- Quelles incidences pour les titulaires ?
Webinar exclusif animé à distance en coanimation avec la CDC
Conseils pour Les Jeunes | Conseils de La Vie| Conseil de La JeunesseOscar Smith
Besoin des conseils pour les Jeunes ? Le document suivant est plein des conseils de la Vie ! C’est vraiment un document conseil de la jeunesse que tout jeune devrait consulter.
Voir version video:
➡https://youtu.be/7ED4uTW0x1I
Sur la chaine:👇
👉https://youtube.com/@kbgestiondeprojets
Aimeriez-vous donc…
-réussir quand on est jeune ?
-avoir de meilleurs conseils pour réussir jeune ?
- qu’on vous offre des conseils de la vie ?
Ce document est une ressource qui met en évidence deux obstacles qui empêchent les jeunes de mener une vie épanouie : l'inaction et le pessimisme.
1) Découvrez comment l'inaction, c'est-à-dire le fait de ne pas agir ou d'agir alors qu'on le devrait ou qu'on est censé le faire, est un obstacle à une vie épanouie ;
> Comment l'inaction affecte-t-elle l'avenir du jeune ? Que devraient plutôt faire les jeunes pour se racheter et récupérer ce qui leur appartient ? A découvrir dans le document ;
2) Le pessimisme, c'est douter de tout ! Les jeunes doutent que la génération plus âgée ne soit jamais orientée vers la bonne volonté. Les jeunes se sentent toujours mal à l'aise face à la ruse et la volonté politique de la génération plus âgée ! Cet état de doute extrême empêche les jeunes de découvrir les opportunités offertes par les politiques et les dispositifs en faveur de la jeunesse. Voulez-vous en savoir plus sur ces opportunités que la plupart des jeunes ne découvrent pas à cause de leur pessimisme ? Consultez cette ressource gratuite et profitez-en !
En rapport avec les " conseils pour les jeunes, " cette ressource peut aussi aider les internautes cherchant :
➡les conseils pratiques pour les jeunes
➡conseils pour réussir
➡jeune investisseur conseil
➡comment investir son argent quand on est jeune
➡conseils d'écriture jeunes auteurs
➡conseils pour les jeunes auteurs
➡comment aller vers les jeunes
➡conseil des jeunes citoyens
➡les conseils municipaux des jeunes
➡conseils municipaux des jeunes
➡conseil des jeunes en mairie
➡qui sont les jeunes
➡projet pour les jeunes
➡conseil des jeunes paris
➡infos pour les jeunes
➡conseils pour les jeunes
➡Quels sont les bienfaits de la jeunesse ?
➡Quels sont les 3 qualités de la jeunesse ?
➡Comment gérer les problèmes des adolescents ?
➡les conseils de jeunes
➡guide de conseils de jeunes
Impact des Critères Environnementaux, Sociaux et de Gouvernance (ESG) sur les...mrelmejri
J'ai réalisé ce projet pour obtenir mon diplôme en licence en sciences de gestion, spécialité management, à l'ISCAE Manouba. Au cours de mon stage chez Attijari Bank, j'ai été particulièrement intéressé par l'impact des critères Environnementaux, Sociaux et de Gouvernance (ESG) sur les décisions d'investissement dans le secteur bancaire. Cette étude explore comment ces critères influencent les stratégies et les choix d'investissement des banques.
This document discusses the secondary mortgage market in the United States. It explains that primary lenders originate loans and then sell them in the secondary market to access funds for new loans and avoid long-term risk. It outlines the roles of the Federal Housing Finance Agency, Fannie Mae, Freddie Mac, and Ginnie Mae in regulating and facilitating the secondary market for mortgages.
This document discusses loan defaults, delinquencies, and foreclosures. It describes defaults as a breach of loan terms that can lead lenders to accelerate repayment and pursue foreclosure as a last resort. Delinquencies involve missed or late payments of principal, interest, taxes, insurance, and other amounts owed. The document outlines various options to adjust loans such as workouts, moratoriums, and voluntary deed conveyance to avoid foreclosure. It then details the processes of power-of-sale foreclosures using deeds of trust and judicial foreclosure and sale for conventional mortgages, both of which can lead to a public sale of the property.
Ch 15 mathematics of real estate financedjohnston5
This chapter discusses key concepts in real estate finance including interest, simple interest, add-on interest, nominal and effective interest rates, compound interest, the compound worth of an annuity, the time value of money, payment schedules, measuring profitability, and discounting trust deeds and mortgages. It covers topics such as calculating interest paid on principal, the effects of compounding interest over time, amortization schedules, analyzing returns on investments, and determining the present value of future cash flows.
This document provides an overview of getting started in real estate, including operating a real estate business, understanding the real estate market, selling homes as a people business, comfort zones in transactions, body language, real estate licenses, broker requirements, taxes as an independent contractor, and choosing a brokerage. Key points covered include setting business hours, being self-motivated, buyers determining market prices, emotion playing a role in purchases, comfort zones around financing and down payments, body language conveying over 50% of messages, license requirements, broker responsibilities, and tax obligations.
The document discusses different types of listing agreements that can be used between real estate brokers and property owners. It provides details on open listings, net listings, exclusive agency listings, and exclusive right to sell listings. The most commonly used type is the exclusive right to sell listing, as it guarantees the listing broker will receive a commission no matter who sells the property. The document also outlines the typical steps and components involved in completing a listing agreement and presentation for a property.
The document discusses property management, including the history and growth of the profession, certification requirements, types of property managers and properties managed, and key responsibilities like leasing, maintenance, and record keeping. It also covers types of leases, requirements for a valid lease, and considerations for residential leasing like rental applications and tenant screening.
This document discusses real estate disclosure laws that require agents and sellers to disclose all material facts about a property to buyers. It covers what must be disclosed, including agency relationships and property conditions. Agents must disclose their agency status in writing, allow the principal to elect the type of agency, and then confirm the agency in writing. Sellers must complete a transfer disclosure statement disclosing all known defects to buyers, and agents must disclose any property inspections.
This document provides information on gas turbine fire suppression systems using carbon dioxide (CO2) and high pressure water mist. It discusses the characteristics of CO2 systems, including how CO2 works as a suppression agent, and its advantages of being versatile, fast-acting, clean and low-cost. It also summarizes how high pressure water mist is a safer and more environmentally friendly alternative to CO2 and halons. The document concludes by describing typical water mist suppression systems for gas turbine enclosures.
Hiscox vient de conduire une étude prospective en concertation avec la Future Foundation sur la Maison du Futur. Nous nous sommes demandé quels seraient les principaux développements dans le domaine de l’habitat, des modes de vie et de la construction dans en France, au Royaume-Uni et en Allemagne dans les dix prochaines années.
Ce premier rapport Hiscox nous révèle notamment que le fonctionnement et les possibilités des futures habitations évolueront sensiblement.
M2i Webinar - « Participation Financière Obligatoire » et CPF : une opportuni...M2i Formation
Suite à l'entrée en vigueur de la « Participation Financière Obligatoire » le 2 mai dernier, les règles du jeu ont changé !
Pour les entreprises, cette révolution du dispositif est l'occasion de revoir sa stratégie de formation pour co-construire avec ses salariés un plan de formation alliant performance de l'organisation et engagement des équipes.
Au cours de ce webinar de 20 minutes, co-animé avec la Caisse des Dépôts et Consignations, découvrez tous les détails actualisés sur les dotations et les exonérations, les meilleures pratiques, et comment maximiser les avantages pour les entreprises et leurs salariés.
Au programme :
- Principe et détails de la « Participation Financière Obligatoire » entrée en vigueur
- La dotation : une opportunité à saisir pour co-construire sa stratégie de formation
- Mise en pratique : comment doter ?
- Quelles incidences pour les titulaires ?
Webinar exclusif animé à distance en coanimation avec la CDC
Conseils pour Les Jeunes | Conseils de La Vie| Conseil de La JeunesseOscar Smith
Besoin des conseils pour les Jeunes ? Le document suivant est plein des conseils de la Vie ! C’est vraiment un document conseil de la jeunesse que tout jeune devrait consulter.
Voir version video:
➡https://youtu.be/7ED4uTW0x1I
Sur la chaine:👇
👉https://youtube.com/@kbgestiondeprojets
Aimeriez-vous donc…
-réussir quand on est jeune ?
-avoir de meilleurs conseils pour réussir jeune ?
- qu’on vous offre des conseils de la vie ?
Ce document est une ressource qui met en évidence deux obstacles qui empêchent les jeunes de mener une vie épanouie : l'inaction et le pessimisme.
1) Découvrez comment l'inaction, c'est-à-dire le fait de ne pas agir ou d'agir alors qu'on le devrait ou qu'on est censé le faire, est un obstacle à une vie épanouie ;
> Comment l'inaction affecte-t-elle l'avenir du jeune ? Que devraient plutôt faire les jeunes pour se racheter et récupérer ce qui leur appartient ? A découvrir dans le document ;
2) Le pessimisme, c'est douter de tout ! Les jeunes doutent que la génération plus âgée ne soit jamais orientée vers la bonne volonté. Les jeunes se sentent toujours mal à l'aise face à la ruse et la volonté politique de la génération plus âgée ! Cet état de doute extrême empêche les jeunes de découvrir les opportunités offertes par les politiques et les dispositifs en faveur de la jeunesse. Voulez-vous en savoir plus sur ces opportunités que la plupart des jeunes ne découvrent pas à cause de leur pessimisme ? Consultez cette ressource gratuite et profitez-en !
En rapport avec les " conseils pour les jeunes, " cette ressource peut aussi aider les internautes cherchant :
➡les conseils pratiques pour les jeunes
➡conseils pour réussir
➡jeune investisseur conseil
➡comment investir son argent quand on est jeune
➡conseils d'écriture jeunes auteurs
➡conseils pour les jeunes auteurs
➡comment aller vers les jeunes
➡conseil des jeunes citoyens
➡les conseils municipaux des jeunes
➡conseils municipaux des jeunes
➡conseil des jeunes en mairie
➡qui sont les jeunes
➡projet pour les jeunes
➡conseil des jeunes paris
➡infos pour les jeunes
➡conseils pour les jeunes
➡Quels sont les bienfaits de la jeunesse ?
➡Quels sont les 3 qualités de la jeunesse ?
➡Comment gérer les problèmes des adolescents ?
➡les conseils de jeunes
➡guide de conseils de jeunes
Impact des Critères Environnementaux, Sociaux et de Gouvernance (ESG) sur les...mrelmejri
J'ai réalisé ce projet pour obtenir mon diplôme en licence en sciences de gestion, spécialité management, à l'ISCAE Manouba. Au cours de mon stage chez Attijari Bank, j'ai été particulièrement intéressé par l'impact des critères Environnementaux, Sociaux et de Gouvernance (ESG) sur les décisions d'investissement dans le secteur bancaire. Cette étude explore comment ces critères influencent les stratégies et les choix d'investissement des banques.