Pay Per Click Management Pricing #ppc #pricing, #ppc #management #pricing, #pay #per #clic #pricing, #pay


Pay Per Click Management Pricing

Proper pricing is important for both you as the client and us as the provider. Designed using our years of experience, our PPC Management price structure has been tuned to produce the best performance for our clients at reasonable cost while keeping us in businesses.

Fill out the form to the right to start a 60 day trial.

PPC Managers and Analysts Don t Recieve Bonuses

None of our pay per click management services team is paid bonuses or commissions based on your advertising budget, we believe that their primary focus needs to be on your overall satisfaction and more importantly on the overall effectiveness of your campaign. They aren t there to Spend your monthly budget, but rather they are there to bring you new business through sale conversions and / or lead conversions. Because of this our Primary (Gold and Xtreme) PPC Management Pricing is NOT based on a percentage of your monthly spend.

PPC Managment Price not based on Visitor Counts

Further our Gold and Xtreme ppc management pricing structure is NOT based on raw visitor count or clickthroughs. The focus of a PPc management firm needs to be on driving Qualified leads (not just any person) to your site.

Our Gold and Xtreme ppc management pricing is a flat fee structure that is based on your overall budget combined with your service level needs. This pricing structure provides us with the incentive and the ability to provide the best level of service and the exact service level that you need. This pricing structure is unheard of in the industry but we are sure that more and more ppc services providers will be copy our pricing program. We also believe that imitation is the best form of flattery!

Please fill out the form below to request a representative to contact you to review our service levels and features of each, the requirements and goals of your company and to discuss the best pricing structure that will fit your needs.

Industry Leading 60 Day PPC Management Trial Program

So why do we offer a 60 day trial program?

1.We want to earn your trust by letting you learn all you can about our company, our performance and our services before you make a commitment. Unlike other PPC Companies, we have a very comprehensive approach that you should learn about AND see for yourself.

2.We want you to experience our amazingly easy, high-quality customized solution for your PPC needs, with services used extensively by businesses in North America and the World, including Fortune 500 companies, E-commerce sites, and smaller owner operated businesses.

Fill out the form and We will send you the following:

  • All of our programs and pricing
  • A 60 Day Trial DISCOUNT code

Request Pricing Information Today!

Drug Counselor Training Program Information, drug counselor requirements.#Drug #counselor #requirements


Drug Counselor Training Program Information

Training to become a drug counselor may occur within an undergraduate certificate, bachelor’s degree, master’s degree or doctoral certificate program.

Essential Information

Training requirements for drug counselors vary by state, so individuals need to confirm the level of education needed to work in this field in their state. Certification requirements vary by state as well. Coursework may touch on the criminal justice system, co-dependency and abnormal psychology. Graduation requirements usually involve internships and/or written projects.

Prerequisites for certificate and undergraduate programs include a high school diploma or equivalent, with master’s degree programs requiring a bachelor’s degree. Depending on degree level, these programs can last anywhere from six months to four years.

Drug and Alcohol Counseling Certificate

In some states, drug and alcohol counselors need as little as a high school diploma and certification, often issued by the International Certification Reciprocity Consortium (IC RC), in order to practice. Certification requires at least some education and practical experience, which often can be gained through a certificate program in alcohol and drug counseling. These programs usually are offered through 2-year colleges or extension departments at 4-year colleges. Generally, coursework typically takes at least six months to complete and includes theories of counseling, treatment planning and crisis intervention, as well as a supervised internship. Certificate programs usually require a minimum of a high school diploma or GED. Some common course topics include:

  • Personal adjustment
  • Introduction to chemical addiction
  • Disease models of addiction
  • Addicts and the criminal justice system
  • Addiction assessment methods
  • Relapse and recovery

Bachelor of Science in Alcohol and Drug Counseling

Earning an undergraduate degree in alcohol and drug counseling might make it easier to meet IC RC work experience standards, which allow for substitution of 2,000 hours of work with a bachelor’s degree in a behavioral science. Bachelor’s degree courses in alcohol and drug counseling typically delve more deeply into the psychological, physical and social implications of addiction. Bachelor’s degree programs typically require two years worth of general education classes, followed by 60 career-specific credits taken over an additional two years. In general, applicants to bachelor’s degree programs in alcohol and drug counseling must submit transcripts from any secondary and post-secondary schools that they’ve attended. Some programs also require a statement of purpose or letters of recommendation. Some common course topics include:

  • Drug studies
  • Alcohol dependence
  • Interpersonal skills for the helping professions
  • Co-dependency
  • Addiction and the family
  • Addiction and the law

Master of Science in Alcohol and Substance Abuse Counseling

Master’s programs in drug and alcohol counseling often include 40 hours of graduate classes, in addition to passage of a comprehensive exam and completion of a research paper or master’s thesis. Students also might be required to participate in supervised clinical work. These 2-year programs might allow for specialization in areas such as evidence-based counseling techniques or cultural sensitivity. Admission to graduate school requires a 4-year college degree, a Graduate Record Exam score, and transcripts of college work. Some common course topics include:

  • Abnormal psychology
  • Mental health and illness
  • Personality theory
  • Drug abuse theory
  • American drug policy
  • Cultural views of substance abuse

Find schools that offer these popular programs

  • Clinical Pastoral Counseling
  • Community Health Services
  • Genetic Counseling
  • Marriage and Family Counseling
  • Medical Social Work
  • Mental Health Counseling
  • Mental Health Services Technician
  • Psychotherapy and Psychoanalysis
  • Substance Abuse Counseling

Postgraduate Certificate in Addiction Studies

Several colleges and universities offer postgraduate certificate programs in addiction studies, which are intended for clinicians already working as counselors. These programs keep current drug and alcohol counselors abreast of developments in the field, in addition to preparing counselors from other fields for a move to substance abuse counseling. A master’s degree typically is required for admission to a postgraduate certificate program. Postgraduate certificate programs in addiction studies typically include around 18 credit hours of courses. Some common course topics include:

  • Advanced group studies
  • Physiology of addiction
  • Approaches to reducing harm
  • Pharmacology update
  • Ethics and boundaries
  • Addictions and violence

Employment Outlook and Salary Info

Drug counselors–also known as substance abuse counselors, rehabilitation counselors or addictions professionals–help people who are addicted to alcohol, illegal drugs, prescription medicines, and other substances to become free of the physical and psychological effects of chemical dependency. Job prospects for substance abuse and behavioral disorder counselors were expected to grow by 22% in the decade spanning 2014-2024, according to the U.S. Bureau of Labor Statistics ( As of May 2015, median annual earnings for substance abuse and behavioral disorder counselors were $39,980.

Continuing Education

The IC RC has set minimum drug and alcohol counselor certification standards, which are referenced by its member boards, including 44 states. Credentials granted by the IC RC include Alcohol and Other Drug Abuse Counselor (AODA), which requires at least 270 hours of education, 6,000 hours of work experience under professional supervision and passage of the AODA exam. Additionally, certification as an Advanced Alcohol and Other Drug Abuse Counselor (AAODA) can be achieved with a minimum of a master’s degree in behavioral sciences, 2,000 hours of supervised work experience and passage of the AAODA exam.

Requirements for practicing drug counselors vary by state, with degree programs offering training available at the certificate, bachelor’s, master’s, and doctoral levels. These programs study the psychology of drug addiction from a multitude of angles, often incorporating internships that help students gain the practical experience usually required to begin practicing as drug counselors.

Total Loss Claims #loss #of #use #coverage #auto, #total #loss #total #losses #salvage #title #requirements


Total Loss

When an accident causes extensive or costly damage to your vehicle, we may determine it’s not practical to complete repairs (this usually means that repairs cost more than your vehicle is worth). If this is the case, your car would be determined a Total Loss, and we’d issue you or your lienholder payment for the value of your car (subtracted by your deductible if you’re a Progressive policyholder). We generally need to complete an inspection of your vehicle before we can determine whether it’s a total loss.

We know this experience can be stressful—and in some cases emotional. If you have a total loss, we’ll manage the process for you and answer any questions you have along the way. Here are a few of the most common questions.

What is a Total Loss?

Generally, a vehicle is a total loss when the cost to return it to its pre-loss condition is greater than the value of the vehicle. And in some states, a vehicle may be a total loss if the repair costs would exceed a percentage (e.g. 80 percent) of the vehicle’s value.

We consider many things in addition to comparing the cost to fix your vehicle with how much it’s worth when determining whether it is a total loss. For example, we also look at the condition and structural integrity of the vehicle and/or state laws.

Is there anything I can do now to prepare in the event my car is determined to be a Total Loss?

Yes see the checklist below. Don’t make any final decisions or plans until we complete an inspection of your car and communicate whether your car is a Total Loss.

  • If you have a loan on your car, locate the paperwork that shows who holds the loan, the account number and the lender’s contact information
  • If you don’t have a loan on your car locate your Title
  • Remove personal items from your vehicle, including license plates
  • If you plan to purchase a replacement vehicle in the event your vehicle is a total loss, begin researching your options and contact your lender to discuss financing. If you need help finding a replacement car new or used you can use Progressive’s free shopping service .

How much will I get for my vehicle?

We’ll pay you its actual cash value (ACV) which is simply the market value of your vehicle based on pre-loss condition, age, options, mileage, etc.—minus any applicable collision or comprehensive deductible. We work with a third-party to help determine the actual cash value. Then, we’ll give the payment to you/the vehicle owner, your lender or both.

What paperwork do you need before you can issue my payment?

We’ll need to obtain the physical title, and we’ll send a federal odometer disclosure statement for you to fill out. If a lender holds the title, we’ll get the title from them, and you’ll just need to sign a Power of Attorney (we’ll send this to you as well). Keep in mind, there may be additional/differing state requirements.

Will I still owe money on my loan or lease?

You might still owe money on your loan or lease if the actual cash value of your vehicle is less than what you owe. If you have Loan/Lease Payoff or “gap” coverage, this will help pay off the difference. Your gap coverage payment will be subtracted by any applicable comprehensive or collision deductible.

What happens to my vehicle?

Generally, you’ll transfer the title to us once we pay your claim. We’ll then dispose of your totaled car (also called a salvaged vehicle), and of course, we’ll comply with the appropriate laws or regulations.

Can I get a rental car?

If you’re a Progressive policyholder, and you have rental coverage on your policy, we’ll cover the cost of a rental vehicle for up to three days (after we’ve let you know the value of your vehicle). If you’re not a Progressive policyholder your claim rep will explain the rental process.

Will my Progressive insurance be automatically cancelled or transferred to my replacement vehicle?

No, you’ll need to log in to your online account, call us, or call your Agent to remove this vehicle from your policy. If you buy a replacement vehicle, you’ll need add it to your policy as well. We’ll mail you a reminder to make this policy change.

Report or Track a Claim

Missouri Title borrowers will share in $5M settlement #, #missouri #title #loans, #erich #vieth, #arbitration


Missouri Title borrowers will share in $5M settlement

Borrowers would get more than $5 million under a new settlement in a lawsuit that challenged the behavior of a major title loan company and went to the U.S. Supreme Court three times.

In the midst of the fight, the Missouri Supreme Court struck down as “unconscionable” a provision in loan agreements that prohibited class action lawsuits. Such provisions are common and controversial, and other courts have upheld them.

The settlement with Missouri Title Loans of Springfield also includes $575,000 for the attorneys who brought the suit, including Erich Vieth and John Campbell of St. Louis. The deal is awaiting final approval in St. Louis Circuit Court.

Title loan companies lend money secured by the title on the borrower’s car. The loans are generally made for short periods of time at high interest rates. If borrowers can’t pay by the deadline, they often renew the loan by paying another large interest charge.

According to the suit, filed in 2007, Beverly Brewer borrowed $2,215 at an interest rate of $537 per month from a Missouri Title office on St. Charles Rock Road. After two payments, totaling $1,147, she found that the original loan amount hadn’t fallen at all.

Another borrower, Althea Peete, was supporting herself and a teenager on $724 per month. At a south St. Louis office, Missouri Title lent her $608. After paying “mandatory fees,” she left the office with only $500, the suit alleged, but owed the $794 the following month.

Missouri law on title loans says that the principal amount must be reduced by 10 percent with each renewal. Lenders must also assess the borrower’s ability to repay and give certain notices, including the right to cancel the loan within a day of taking it out. The lawsuit charged that Missouri Title did none of that. Title lenders often structure the loans under a separate “small loan” law with lesser consumer protections.

The major court battle, however, centered on provisions in the loan agreement saying that disputes must be settled in arbitration, not in court, and forbidding “class action” arbitrations.

The Missouri Supreme Court threw out that provision, opening the courtroom doors. The court reasoned that no lawyer would take a case involving such a small loan and that without class actions, borrowers would have no way to seek redress.

In a class action, lawyers argue that a few plaintiffs can bring a suit representing thousands of people in the same situation. That multiplies both the risk for the company being sued and the potential payout for the plaintiffs’ attorneys.

Missouri Title appealed the decision to the U.S. Supreme Court. At first, the U.S. Supreme Court ordered the Missouri court to reconsider its decision in light of a high court decision that favored arbitration requirements.

The Missouri court reaffirmed its own decision, and the federal high court twice declined to intervene.

Vieth doubted whether the Missouri court’s ruling on class action arbitrations can automatically apply to other loan companies, because it centered on the language of the Missouri Title loans.

Martin Green, attorney for Missouri Title, said more than 5,000 borrowers would receive refunds totaling more than $5 million.

People who defaulted on loans at least three years old will find all finance charges forgiven. The company will forgive 25 percent of finance charges on defaulted loans less than three years old, and one-third of one month’s charge on loans that are current. Borrowers who have repaid their loans will get a free month’s interest on a new loan.

Car Insurance #requirements #for #car #insurance


Car Insurance Facts: When Collision Coverage Is Worth It

For More Free Online Car Insurance Quotes, Visit Our Car Insurance Resource Center.

When it comes to paying for damage to your own vehicle, your first line of defense to recover from auto accidents is collision coverage. Many drivers are convinced they’ll never wreck their own vehicle, or that they’ll never be involved in an accident, but market research shows that the average driver in the U.S. will be involved in an accident once every ten years. Depending on your driving habits – say, if you go out late at night when drunk drivers are on the road, or if you drive and park in urban areas – you may be at higher risk. To be sure, if your vehicle is relatively new or worth more than a couple thousand dollars, you should pay to have it insured against the risk of an accident.

Three Ways Collision Coverage Serves You

Only collision coverage pays for damage you cause to your own vehicle, but contrary to popular belief, you can also use it for accidents in which you were not at fault. And really, there are three different ways collision coverage can work to your benefit if you find yourself at the wheel after an accident:

Collision coverage pays for damage to your vehicle when YOU cause an accident.

  • If you wreck your own vehicle, your insurer will pay for the cost to repair the vehicle, or if the cost to repair is more than the value of the vehicle, they will pay to replace it based on its market value at the time of the accident.

Collision coverage pays for damage to your vehicle when ANOTHER DRIVER causes an accident.

  • Your insurer will pay your damages and then go seek reimbursement from the other driver’s insurance.
  • Many drivers take advantage of this option when the at-fault driver’s insurer is being difficult or slow to act. You will typically have to demand your insurer take action in this scenario, but if you paid for collision coverage, you have these benefits.
  • Using this option should not raise your rates, since you were not at fault. Be sure to ask your insurance adjuster whether a scenario will or won’t affect your rates before choosing your course of action.

Collision coverage pays for damage to your vehicle in circumstances not covered by other sections of your policy.

  • If you do not purchase comprehensive coverage for vandalism, acts of nature, theft, etc. then you can typically claim such losses under collision coverage.
  • For hit-and-run accidents or damage caused by a driver with no insurance, you can typically claim such losses under collision coverage.
  • Using collision coverage in these scenarios may raise your rates, as your insurer may assess such damage as if you were at fault or caused it yourself. This is why it’s best to carry comprehensive (COMP) and underinsured motorist (UIM) to pay for damage in any scenario.

Adding collision insurance coverage to your auto policy will of course increase the cost of your monthly premium, however the amount of increase will vary greatly from driver to driver, depending on several factors. According to the Insurance Information Institute. certain factors affect the cost of a driver’s insurance premiums. Such factors include level of education, income, age, gender, credit score, driving habits, driving history, geographical location, and the vehicle you drive. Gathering quotes from multiple insurers is the best way to know what your premiums will cost and where you might get the best deal; just make sure you’re comparing equal coverage and policy limits when getting quotes from different insurers.

Find the Best Car Insurance Rates

Enter your zip code below and be sure to click at least 2-3 companies to find the very best rate.

or call an insurance expert and compare quotes easily over the phone

Most insurers will offer slight discounts to drivers who buy multiple forms of coverage at once, such as comprehensive, underinsured motorist, rental, and personal injury protection on their auto policy. Additional discounts may be offered for those who buy homeowners, motorcycle, boat, RV, or other forms of insurance coverage from the same insurer. Generally speaking, these can be qualified as “spend more to save more” discounts; drivers on a budget shouldn’t consider buying extra coverage as a means to save money. On the other hand, going without insurance coverage (specifically collision) will likely leave you with a large out of pocket expense in the event you wreck your vehicle.

Beyond the aforementioned benefits of collision coverage, there are a handful of very important factors to keep in mind when considering when to drop collision insurance coverage, or when collision insurance is worth it for your car.

Factors to Consider When Choosing Whether or Not to Pay For Collision Coverage

  • Your Vehicle’s Value
    • If you drive a vehicle that’s only worth a few thousand dollars or less, it might make sense to pay for any accident damage out of pocket instead of paying your insurer.
    • For expensive vehicles with values over $5,000 or $10,000, it’s a good idea to pay for collision coverage.
    • If you have a loan on your vehicle, many lenders will require you have collision coverage on your auto policy. However, some states and some lenders don’t always require collision coverage. Without collision insurance, in the event you damage or total the vehicle, you’ll be left paying the full value of a loan with no way to recoup much of the money from the vehicle, which, in its damaged state, is worth a fraction of its pre-accident value.
    • Over the course of four or five years (or less), you might end up paying your insurer more than your vehicle’s value.
  • Depreciation In Value of Your Vehicle Over Time
    • If your vehicle is worth roughly $10,000 today, you can expect that in five years it might be worth anywhere from $7,000 to $3,000, or less. You might consider dropping collision coverage in a few years if you can expect your vehicle won’t be worth more than a few thousand in that time.
  • Your Risk of An Accident
    • If you only drive your vehicle infrequently or driver fewer than a few thousand miles per year, your risk of an accident may be relatively low.
    • If you drive everyday, and if you drive and park in urban areas, you may be at higher risk of an accident.

You can do some basic math as to whether collision coverage is financially viable by following these steps:

  • Research your vehicle’s current value by searching for comparable models on craigslist. ebay motors. or other websites for shopping for vehicles.
  • Calculate your current rates for collision coverage or get quotes for collision coverage to know what your expected yearly premium will be.
  • If, over the course of three to five years, the total of your yearly premiums will equal or exceed your vehicle’s value, you should consider cancelling your collision coverage.
  • Instead of paying your insurer on a monthly basis for collision coverage, you should instead set aside a similar amount for an emergency vehicle fund, which you can use for emergency repairs or for maintenance.

If you have enough money in your savings account to pay for your vehicle’s value at a moment’s notice, you should consider dropping collision coverage and reap the savings while you drive without an accident. In the event you cause damage to your own car, just know that you’ve worked it into your budget to pay for it. If the damage is minimal or simply cosmetic, and your vehicle has a relatively low value, it may be worth it to simply live with the damage instead of making costly repairs.

At the end of the day, many factors should weigh into your decision as to whether to keep collision coverage on your policy or not. If you’re not absolutely sure that you could deal with paying for repairs or completely replacing your vehicle at a moment’s notice, or else going without a vehicle until you could save for a replacement, it’s best to err on the side of caution and pay the extra premium for collision coverage .

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MSc Leadership and Management in Health and Social Care #msc #leadership #and #management #health #and


MSc Leadership and Management in Health and Social Care

The MSc Leadership and Management in Health and Social Care is an inter-professional programme for people who are passionate about improving the quality of health or social services.

You can complete this masters degree qualification over one year full time or up to five years part time.

The chief objective for the programme’s leaders is to discover and nurture leaders of the future.

We are looking for people who wish to achieve career progression by developing their management and leadership skills.

To succeed you will need to be an innovative problem solver who can think on their feet to identify weaknesses and find solutions.

This programme is open to both clinicians and non-clinicians.

Introducing your course

This is an interdisciplinary course that helps those who want to understand how to improve the quality of health or social care. You develop skills in understanding your own leadership styles, leading teams, managing strategically, and making decisions. You will be exposed to a broad range of contemporary perspectives on leadership, and how to inspire and get the best from people and organizations. Through option modules, you can develop further skills in coaching, service improvement, managing information, developing policy and governance frameworks, and using data to improve services. Students on this course come from the UK and across the globe, have a range of backgrounds and experience, and a desire to lead and improve services.

Course Facts


Duration:. 1 year (full-time); 2-5 years (part-time)

As a student on this leadership and management in health and social care masters degree you will be based at our new Centre for Innovation and Leadership.

There you will benefit from the knowledge, skills and experience of academics at the leading edge of their fields.

Your progress will be continually aided by ground breaking research, which is carried out here at the Faculty of Health Sciences.

Chief among research groups in this area is the Health Work and Systems Research Group. led by Professor Peter Griffiths.

Ultimately, you will apply your findings in the workplace to enhance the quality of care and health outcomes.

To Apply

University application form with transcripts and two letters of reference. Self-funding or employer sponsorship

Closing date 31 August for September start.

You can apply to register to undertake a postgraduate degreeonline here

In addition to registering for the Masters in healthcare management, many courses will also require you to separately register for your chosen individual modules of study each year once dates are published. Please discuss this with the programme leader. Applicants may be required to attend an interview.

Programme Structure

This Masters degree in Leadership and Management in Health and Social Care comprises a number of core modules and optional modules.

This gives you a common base with your peers, as well as the chance to follow your own particular interests or career path.

Throughout the MSc healthcare management programme you will work closely with your academic tutor and supervisor; applying your learning to address management challenges.

Postgraduate certificate three taught modules
Postgraduate diploma six taught modules
MSc six taught modules plus dissertation

Key Facts

This inter-professional, work-focused programme aims to explore and study the evidence-base of leadership and management, and enable you to systematically review evidence for best practice.

Useful Downloads

You will be expected to provide your own day-to-day stationery items, e.g. pens, pencils, notebooks, etc). Any specialist stationery items will be specified under the Additional Costs tab of the relevant module profile.

Where a module specifies core texts these should generally be available on the reserve list in the library. However due to demand, students may prefer to buy their own copies. These can be purchased from any source. Some modules suggest reading texts as optional background reading. The library may hold copies of such texts, or alternatively you may wish to purchase your own copies. Although not essential reading, you may benefit from the additional reading materials for the module.

Printing and copying

Photography: It is not a requirement that photographs or reproductions are needed in any assignment. In the event that you choose to include photographs or reproductions, you will supply the photographic equipment as well as the costs of processing and printing. Costs will vary depending on the type of equipment and printing you choose.

Recording equipment: It is not a requirement that recordings are needed to satisfy any assignment. In the event that you choose to include recordings, you will supply the recording equipment as well as storage media such as memory cards. Costs will vary depending on the type of equipment and media you choose.

Printing and copying

You may need to submit both an online and printed version of assignments. A list of the University printing costs can be found here:

Parking: It is advisable to take public transportation to the University. In the event that you choose to drive, parking costs can be found here:

In some cases you’ll be able to choose modules (which may have different costs associated with that module) which will change the overall cost of a programme to you. Please also ensure you read the section on additional costs in the University s Fees, Charges and Expenses Regulations in the University Calendar available at .

Learning Assessment

You complete six modules (each at 10 ECTS credits) before you write your dissertation. The two option modules allow you to create a pathway that suits your individual interests and needs. Options should be chosen after obtaining advice from the course leader or your tutor.

Modules on this masters degree in health management and social care typically meet for five full days spread over two months. Modules often combine lectures with class discussion and experiential learning.

Learning on the leadership and management health and social care MSc course takes the form of lectures, case study analysis and debates with experts.

You will be assessed through written assignments, reports, interpretation of case studies and peer assessment, as well as individual and group presentations.

In addition, you will complete a dissertation project.

Requirements to Refinance a Mortgage #mortgage #refinance #requirements


Requirements to Refinance a Mortgage

The process by which homeowners adjust their mortgage loan — to get a lower rate, to get cash out, or to lower payments — is called a refinance. Refinancing is fairly common in the United States. Homeowners use the equity in their homes to make large purchases, home improvements, and to pay for college education. If you are considering refinancing, there are some requirements of which you must be aware.

The process by which homeowners adjust their mortgage loan — to get a lower rate, to get cash out, or to lower payments — is called a refinance. Refinancing is fairly common in the United States. Homeowners use the equity in their homes to make large purchases, home improvements, and to pay for college education. If you are considering refinancing, there are some requirements of which you must be aware.

Ability to Repay

Most lenders use a debt-to-income ratio (DIR) to calculate your ability to repay a mortgage refinance. To calculate your DIR, divide your monthly expenses (including a proposed payment on a refinance) by your gross monthly income. Many lenders do not like to lend to borrowers who have a DIR higher than 45 percent. Some finance companies will allow higher DIRs, but they might require you to pay more in interest or fees. Income is verified though paychecks and W2s. If you are self-employed, you’ll need your Sole Proprietorship Schedule C, or business tax returns, as well as bank statements to confirm cash flow.

Loan to Value

You must have sufficient equity in your home to refinance your mortgage. In addition, your loan-to-value (LTV) ratio must fit within the lender’s guidelines. To find your LTV, divide the proposed refinance loan amount by your home’s value. For example, if you wanted to refinance into a $300,000 mortgage and your home is worth $330,000, your LTV would be 91 percent. Many lenders are hesitant to refinance properties over 90 percent LTV — especially in the wake of the 2008 credit crisis. The Federal Housing Authority (FHA), as of December 2009, will not refinanced loans unless they are under 85 percent LTV.


Credit restrictions vary from lender to lender. At most local banks and credit unions, you’ll need to have excellent credit scores. (See Resources for a free copy of your credit report.) While lenders weigh your FICO score (a three-digit number ranging from 350 to 850) the most heavily, they also take into consideration your current mortgage payment history, any past delinquencies, amount of available credit, variety of accounts, and your ability to manage revolving debt. Prior to seeking a refinance, it’s in your best interest to review your own credit and attempt to clean up any negative marks that would hinder your ability to qualify.



Regional Water Quality Control Board – San Diego #state #water #resources #control #board, #swrcb, #state

San Diego Region – Storm Water


The Storm Water Management Unit’s main focus is in implementing permitting, compliance, and other activities to reduce pollutants in municipal, construction, and industrial storm water runoff. The Unit also provides important assistance in dispersing state grant funds to worthy projects that support activities for the reduction and prevention of storm water pollution. The Unit also regulates storm water runoff from Caltrans and Small MS4 systems (Phase II) through Statewide Permits issued by State Water Board. Both the industrial and construction storm water program have Statewide Permits and the Unit implements them through a combination of inspections, enforcement, and outreach.


The California Regional Water Quality Control Board, San Diego Region (San Diego Water Board) regulates discharges from Phase I municipal separate storm sewer systems (MS4s) in the San Diego Region under the Regional MS4 Permit. The Regional MS4 Permit covers 39 municipal, county government, and special district entities (referred to jointly as Copermittees) located in San Diego County, southern Orange County, and southwestern Riverside County who own and operate large MS4s which discharge storm water (wet weather) runoff and non-storm water (dry weather) runoff to surface waters throughout the San Diego Region. The Regional MS4 Permit, Order No. R9-2013-0001. was adopted on May 8, 2013 and initially covered the San Diego County Copermittees. Order No. R9-2015-0001 was adopted on February 11, 2015. amending the Regional MS4 Permit to extend coverage to the Orange County Copermittees. Finally, Order No. R9-2015-0100 was adopted on November 18, 2015. amending the Regional MS4 Permit to extend coverage to the Riverside County Copermittees.

NEW! – September 30, 2016, South Orange County (San Juan Hydrologic Unit) Water Quality Improvement Plan Draft Priority Conditions, Goals, Strategies and Schedules


  • Administrative Record Index (The index contains links to individual documents. To have access to the documents linked to the index, please open with Internet Explorer.)




Pursuant to Provision E.3.c.(3) of Order No. R9-2013-0001, as amended by Order Nos. R9-2015-0001and R9-2015-0100, each Copermittee may be allowed to implement an Alternative Compliance Program within its jurisdiction which would allow Priority Development Projects to implement all or part of the structural storm water pollutant control and/or hydromodification management BMPs offsite instead of fully onsite. Pursuant to Provision E.3.c.(3)(a), the San Diego Water Board’s Executive Officer must accept Water Quality Equivalency calculations before an Alternative Compliance Program may be implemented by a Copermittee within its jurisdiction. A final Water Quality Equivalency Guidance Document has been accepted by the Executive Officer, available below:






KY: Education Professional Standards Board website #missouri #teaching #certificate #requirements


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Educator Ethics

Educator Preparation

Implementation of 16 KAR 1:030

In accordance with 16 KAR 1:030 and the Board�s Procedures Relating to Board Action on Certificate Holder�s Certification, periods of suspension will no longer be noted on an educator�s certificate. Additionally, suspensions will only be noted on the Board�s website during the period of suspension. On March 1, 2017, certificates with the periods of suspension removed were mailed to all educators with current certificates who had previously been suspended by the Board. If you have not received a copy of your updated certificate or believe your suspension is appearing on the website by mistake, please contact Cassie Trueblood at 502-564-4606.

State Authorization Reciprocity Agreement (SARA)

Effective December 1, 2016, Kentucky is a member of the State Authorization Reciprocity Agreement (SARA). As described on the National Council for State Authorization Reciprocity Agreements website ( ), the State Authorization Reciprocity Agreement is an agreement among member states, districts and territories that establishes comparable national standards for interstate offering of postsecondary distance education courses and programs. It is intended to make it easier for students to take online courses offered by postsecondary institutions based in another state. SARA is overseen by a National Council and administered by four regional education compacts. A list of SARA members states and institutions can be found at the following link:

The Education Professional Standards Board has the authority and responsibility to set standards for, approve, and evaluate college, university, and school district programs for the preparation of teachers and other professional school personnel for Kentucky pursuant to KRS 161.028(1)(b). The EPSB s process for approving educator preparation programs is generally set forth in 16 KAR 5:010 with the general requirements for all educator preparation programs set forth in 16 KAR 5:020 and 16 KAR 5:040. Specific requirements for educator preparation programs located out-of-state and on-line are set forth in 16 KAR 4:030 . More Information.

The Education Professional Standards Board (EPSB) is responsible for issuing and renewing certificates for all Kentucky teachers and administrators. Staff works closely with local school districts in the hiring process to help ensure a properly credentialed educator in every professional position in Kentucky public schools. Staff also works with Kentucky colleges and universities, out-of-state institutions, and national evaluation agencies on the preparation of Kentucky certified educators. More information.

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Frankfort, Kentucky 40601
Phone: (502) 564-4606
Fax: (502) 564-7080
Help Desk (502) 564-5845
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Invoice finance #invoice #finance,sales #invoice,capital #requirements,funding #working #capital,invoice #finance #solutions,anz #invoice #solutions


Invoice finance

Invoice Finance can reduce your working capital pressures by providing same day funding on outstanding invoices. *

In addition, it can enhance your business growth by allowing you to access up to 80% of your invoices by the next working day. ^

If you are looking for a product that will accelerate your business growth and add value to your day to day operations, an invoice finance solution may be right for you.

Benefits at a glance

  • Flexible funding option that leverages your sales and reduces the reliance on traditional forms of security (i.e. property).
  • Finance that can grow with your sales turnover.
  • Manage cash flow without offering ‘early payment’ discounts to customers.
  • Find capacity to cover unexpected seasonal demand.
  • Free up personal property.

ANZ can assist you in meeting your invoice financing needs.

How to apply

ANZ has an alliance with an invoice finance specialist so we can assist you in meeting your invoice financing needs.

For businesses with turnover $5M to $40M:

Call 1800 602 761 8am-8pm (AEST) weekdays

A leading invoice finance provider has entered into an alliance agreement with Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522, under which ANZ may refer customers for invoice finance.

ANZ may receive commissions for these referrals. Eligibility for the invoice finance product is solely determined by the provider, which will apply its own lending requirements and undertake its own assessments.

ANZ is not a related body corporate of the provider and ANZ does not guarantee or warrant the performance of, or in any way stand behind, the invoice finance provider or their invoice finance product.

* Terms and Conditions apply.
^ This is subject to individual acceptance criteria.

Australia and New Zealand Banking Group Limited (ANZ) 2015 ABN 11 005 357 522. ANZ’s colour blue is a trade mark of ANZ.