Fannie Mae Pays Your Closing Costs

25. May 2011 · Write a comment · Categories: General Tax · Tags: , , ,

This is incredible news from Fannie Mae

“News Release

January 28, 2010

Fannie Mae Announces 3.5 Percent Seller Assistance on HomePath® Properties

Incentive Part of Ongoing Effort to Stabilize Neighborhoods

WASHINGTON, DC — Fannie Mae (FNM/NYSE) announced today that people purchasing a Fannie Mae-owned HomePath® property will receive up to 3.5 percent of the final sales price to be used toward closing cost assistance or their choice of appliances. The offer is available to any owner-occupant who closes on the purchase of a property listed on HomePath.com before May 1, 2010.

“Attracting qualified buyers to the market and reducing the inventory of vacant homes is critical to stabilizing neighborhoods and helping the market recover. Many families are taking advantage of the federal homebuyer tax credit to buy a new home so this is a great time for Fannie Mae to offer some additional help,” said Terry Edwards, Executive Vice President of Credit Portfolio Management. “Homebuyers have the option to choose between financial assistance toward closing costs or new appliances for their home.”

Properties eligible for this incentive are listed on HomePath.com and most listings include detailed property descriptions, photographs, community and school information and more. In addition, many Fannie Mae-owned properties are eligible for special HomePath Mortgage and HomePath Renovation Mortgage financing which offers homebuyers an opportunity to purchase with as little as 3 percent down.

Fannie Mae exists to expand affordable housing and bring global capital to local communities in order to serve the U.S. housing market. Fannie Mae has a federal charter and operates in America’s secondary mortgage market to enhance the liquidity of the mortgage market by providing funds to mortgage bankers and other lenders so that they may lend to home buyers. Our job is to help those who house America. ”

Please go to www.HomePath.com for a list of qualified homes in your preferred area.  For more detailed information contact GA Loan Pro at 706-215-1894 or georgialoanpro@gmail.com.

Background Screening: Cut Your Costs, but Not the Quality

24. May 2011 · Write a comment · Categories: General Tax · Tags: , , ,

Background Screening: Cut Your Costs, but Not the Quality

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Home Page > Business > Human Resources > Background Screening: Cut Your Costs, but Not the Quality

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Background Screening: Cut Your Costs, but Not the Quality

By: Don Dymer
Posted: May 25, 2010

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Consider that at least 40 percent of employment candidates provide bad information on their applications or resumes, and fifteen percent have broken the law. You can’t really afford NOT to have a thorough background screening done for every prospective worker. If you don’t, the odds are about even of you sending a staffer to your client that causes you both big problems, perhaps even legal liability.

“Most clients insist that they get a temporary worker right away.”

“We can’t afford to screen everyone, especially as they might only last one day.”

“It’s the client’s problem, not ours.”

These seem to be reasonable assertions, but upon closer consideration, they are simply not true. And when things go badly and an employer files a negligent hiring lawsuit, these statements (and the thinking behind them) will come back to haunt you.

Perhaps a closer look at these assertions is in order…

True, the client does often need very quick placement for a position. Even when the client insists upon immediate placement, with written release, and a worker is placed prior to completing a background screening, the client still needs to be informed of the screening that is in process. If something undesirable is discovered in the subject’s past, it is highly recommended that they be immediately removed. With a complete background check only taking 48 hours max, we urge avoiding the above path whenever possible.

“All they (the staffing firm) care about is profit.” We have all heard this, and it is partially right – people are in business to make a money, after all. But, a safe work environment is required by OSHA, and we all have to comply with that. If the cost of the background screening avoids a multi-million dollar lawsuit, it will seem very cheap. It just takes one unsuitable worker to cause you all sorts of legal headaches and major expenses.

And the notion that this is just the client’s issue? Untrue! The courts have held time and time again that this is a joint area of responsibility and liability.

ProPublica and the Los Angeles Times completed a study last December (2009) showing that nurses and other health care workers with unsuitable histories continue to be a real problem for temp firms. Similar statistics are likely for similar businesses. Unfortunately, the problem workers know that most agencies do not bother to screen – especially not a thorough screening – before placing a temporary. This has been worsened by the present economy, when the need for employment is even more desperate, including for those with a criminal history, drug habit, or other red-flag issue.

Today’s economic challenges have resulted in the best (and more innovative) background screening providers discovering ways to cut prices on their services yet not risk reduction in quality. Introducing,… service “bundling”.

For instance, a sound background inquiry consists of an Address History (usually via the SSN), Criminal Record Checks based on those addresses, and a National Sex Offender inquiry. This can be quite affordable to do for all candidates, especially when combined with other services that actually bring in cash credits.

One example of bundling programs to cut costs is based on the WOTC tax credits. These credits are often left behind simply because employers and staffing agencies don’t know about them or think they are too much of a headache to deal with. A diligent background screening company, however, can tell if the applicant will qualify the prospective employer for any credits before the screening is even done – with no expense to you, while saving you a lot of money.

Another way that an HR outsourcing firm can help cut costs is through employment verifications. Verification of past employment is something that banks and prospective employers have an ongoing need for. Running these verification checks can take a lot of time. Again, the creative screening company has the solution. They will take those HR inquiries off your hands and pay you for doing so, saving you time and money, and guaranteeing only accurate, relevant, and consistent information that you want released is provided.

Why should your background screening company be just another vendor? They ought to be your partner, protecting both you and your clients’ interests, responding to fluctuations in the market, proactively enhancing your reputation and improving your bottom-line. Finally, they ought to be accessible and available to help whenever you need them, whether you screen thousands of applicants or just a few.

Don Dymer – About the Author:

Save money with bundled services for your background screening, employment verification, and other HR outsourcing needs. Call SingleSource Services toll-free 800-713-3412 or visit us today at http://www.singlesourceservices.com/.

Donald J. Dymer, MBA, is a former Inspector with London’s Scotland Yard and licensed Private Investigator. He is the founder of SingleSource Services and has given expert witness testimony in negligent hiring cases.

Source: http://www.articlesbase.com/human-resources-articles/background-screening-cut-your-costs-but-not-the-quality-2456095.html

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Article Tags:
background screening, background screening services, background screening vendor, background screening company, background check, background inquiry, wotc, tax credits, employment verifications, criminal record check, hr outsourcing

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Solar Energy For Houses – Cut Down Electricity Costs

02. April 2011 · Write a comment · Categories: General Tax · Tags: , , , , ,

The efficiency of solar power for homes depends on lots of factors. The You can only determine the right number of solar cells and panels by taking into consideration elements like climate, the position of the home, and the total area that you need to generate power for. That’s the only way to get all the power you need in the house. The following tips and suggestions could make things easier, helping you find an advantageous solution sooner.

How much power does your family consume? The size of the solar system depends on this average estimation.

You also need accurate data of the average rainfall and the number of solar days specific to the area where you live. Most average estimates start from the value of five-hour maximum power for the solar panels. That’s the best you can achieve with a home system.

Hot water, central heating and the possibility to power small appliances: these are the main achievements of solar power for homes. Solar electricity seems to be too expensive at the moment for us to be able to power all the utilities on it alone. This is why households that have a solar system installed, also use gas in parallel.

Find out about the amount of electricity generated by the cells and the technical features of the solar panels by inquiring at the manufacturer directly. Find out how much power you can generate within 5 hours per day, and compare these data with your estimated family consume.

The total amount you need to pay initially reaches ,000, which could be out of range. In order to cope with the average needs of a home, you may need around 41,000 square inches of solar panels. Reduce the costs by using federal tax credit programs and tax rebates that help you save up to 30% of the overall costs.

Besides the solar panels as such, money will also go into battery banks, inverters and professional installation. For anyone who wants a small air conditioner in one of the rooms, the costs will be even much higher than what we’ve mentioned above.

So far the costs of solar power for homes seem scary because of the initial investment. Such home improvement still remains a ‘luxury’ for millions of Americans. Hopefully, things will change for the better, and solar power for homes will become more accessible in the very near future.

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Focus on preserving the steel industry revitalization planning needs and reduce costs

14. March 2011 · Write a comment · Categories: General Tax · Tags: , , , , , , , ,

“No to a simple expansion of production capacity steel project” and “rectification of iron ore import market order” is written to the steel restructuring and revitalization of the industry expected a little bit beyond. CITIC Securities analyst Zhou Xi by iron and steel, said the revitalization plan is actually a continuation of the steel industry policy, ensuring the overall steel demand and cost control is positive.

    State Council executive meeting stressed that the steel industry restructuring and revitalization must be to control the total elimination of backwardness, the joint reorganization, transformation, optimization of layout for the focus to promote the steel industry, from big to strong. This industrial policy is the same strain. Anshan Iron and Steel Group, the situation in the steel business, said the forum made it clear, hope to overcome in the consolidation and reorganization of local protectionism and completely eliminate backward production capacity, Bu Neng to Zhexie backward production capacity in the market situation when a good revival.

    From 2007, the State raised several steel products export tariffs in order to control steel exports, most of the products have been exported from the export tax rebate into a tax. But the first time the steel planning and flexible implementation of appropriate export tax policy, stable international market share. Zhou Xi growth that this state want to maintain export competitiveness of steel embodiment. China Steel Industry Association executive vice president Luo said China’s steel export controls 10% of the total amount is reasonable, the Chinese iron and steel must also participate in international competition.

    2008, China’s steel exports to drop abruptly, and therefore announced the cancellation of the fourth quarter of the national iron and steel export tax from January 1, 2009 started as a way to boost steel exports. However, a substantial decline in foreign demand, supply and demand fundamentals remain unchanged, steel exports have greatly improved within a short time is difficult.

    For the implementation of measures to expand domestic demand, stimulate domestic steel consumption, has high hopes for iron and steel enterprises, Anshan, Wuhan and other business arrangements for this year’s production plan in both output growth, while also based on the national policy to stimulate domestic demand of steel demand in the second quarter rebound judge. Hebei Iron and Steel Group, said that if the domestic fixed asset investment increased 20% to be implemented in the second half of the steel will be significantly driven a number.

    The plan to strictly control the total iron and steel, eliminate backward production capacity, not to a simple expansion of production capacity of steel projects.

    Currently Baosteel, Wuhan Iron and Steel in the coastal areas of Guangdong and Guangxi, the project proposed 10 million tons are in the province as a prerequisite for eliminating backward production capacity, which is to be out of Guangdong Province, more than 700 million tons of capacity. The Iron and Steel Group, Shandong Rizhao coastal steel project proposed is to eliminate backward production capacity of the primary task of the province. It is reported that industrial policy had required 300 cubic meters blast furnace production the following backward elimination of the standard required in the planning will increase the minimum settled may be 400 cubic meters. Experts said the planned elimination of backward production capacity engage across the board, but different products for different business structures and technical standards to determine, some companies may even have to 800 cubic meters of the blast furnace out, which is on the industrial policy of the revised and improved. At the same time, but also limit the scale of growth, the establishment of backward production capacity of the exit mechanism, funded by the central and local compensation, government supervision.

    China Metallurgical Industrial Planning for a new vice president of Lee Chong said that this year the domestic steel industry merger and reorganization will definitely speed up. CITIC Securities analyst Zhou Xi by the view that investment in infrastructure in the central budget shall be allocated special funds to encourage technological progress for the Chinese steel industry, steel industry plays an important role to upgrade.

    The cost of iron ore has been deeply troubled by China’s steel companies may usher in a better market environment for raw materials. At present, China’s external dependence on iron ore, iron and steel industry more than 50%, three international mining giants control 70% of the seaborne iron ore, iron ore price rise for five consecutive years of making iron and steel enterprises in China can not grasp the initiative.

    Maanshan Iron & Steel official said, rectify market order on imports of iron ore and steel mills iron ore price negotiations, cost control will have a positive effect.

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How to Save on Gasoline Costs by Reducing Fuel Consumption

23. February 2011 · Write a comment · Categories: General Tax · Tags: , , , , ,

 

Skyrocketing fuel prices have made us all rethink and reconsider the use of fuel run automobiles in our homes. The majority of American homes own at least two or more cars or trucks and with rising fuel prices, the average American budget has gone all out of control. At a time like this, the world is looking towards hybrid technology as a means of controlling rising fuel consumption. At the same time, a very small percentage of the population can afford gasoline electric hybrid vehicles, since they cost much more than regular fuel run cars and are also costlier to maintain. So where does the solution lie? If you look at what a lot of enterprising vehicle owners are doing, then you might realize that running cars on water is the way to go!

Running cars on water? A large majority of people think that the whole concept of running cars on water is a big hoax, but luckily, this is not so. Hybrid technology that uses a combination of power produced by water and gasoline is as real as electric-gasoline hybrids and cars that run solely on electricity. The best part about this technology, however, is that it is much cheaper than both these methods and there is absolutely no need to pay thousands of dollars extra for running your car on water. All you need is a couple of hundred bucks to install a do-it-yourself kit in your car.

These kits that let you run your car on water are available on reputed internet sites and come with a manual giving step-by-step instructions for turning your care into a hybrid. Since it is all pretty simple to assemble, you do not even need to pay for a mechanic. The kit works by converting water into a gas HHO (known by numerous names like Hydroxy and Hybrid Hydrogen Oxygen), where the hydrogen part is used as an alternative fuel to provide energy to run your car’s engine.

While running your car on water does not mean that you will have to stop filling up your tank with gasoline, it definitely means that you will be using only 75% to 50% of the gasoline that you were using earlier. So converting your car into a water-gasoline hybrid essentially means that you will be saving a huge amount on your gas bills.

Since hydrogen is a much more efficient fuel than gasoline, you will also end up saving money on maintenance and your engine life will increase. Another way in which you will save money by installing a water-gas hybrid technology kit in your car is tax rebate, since both state and the federal governments provide tax rebates on environment friendly cars. Apart from saving money by running your car on water, you will also be able to do your bit for Mother Earth by reducing the amount of pollution that your vehicle pumps into the air by more than half. So how about going hybrid now?

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