08-04-2020 9:21:32 AM CST
07-30-2020 1:55:05 PM CST
To get a fast response and more information on Loans and Grants complete this form.
07-30-2020 9:46:39 AM CST
Eligible small businesses, private non-profits and agricultural businesses may apply for the Economic Injury Disaster Loan here.
In response to the Coronavirus (COVID-19) pandemic, small businesses, including agricultural businesses, and non-profit organizations in all U.S. states, Washington D.C., and territories can apply for an Economic Injury Disaster Loan (EIDL). The EIDL program is designed to provide economic relief to businesses that are currently experiencing a temporary loss of revenue due to COVID-19. EIDL proceeds can be used to cover a wide array of working capital and normal operating expenses, such as continuation to health care benefits, rent, utilities, and fixed debt payments.
On June 15, SBA resumed accepting new Economic Injury Disaster Loan (EIDL) applications from all qualified small businesses, including agricultural businesses, and non-profit organizations.
EIDL Advance Discontinued
Note: All available funds for the EIDL Advance program have been allocated. By law, SBA is not able to issue EIDL Advances once program funding has been obligated and is no longer available. EIDL loan applications will still be processed even though the Advance is no longer available.
Information on how the EIDL Advance worked
The new eligibility for agricultural businesses with 500 or fewer employees is made possible as a result of additional authority and funding appropriated by Congress in response to the COVID-19 pandemic.
Agricultural businesses includes those businesses engaged in the production of food and fiber, ranching, and raising of livestock, aquaculture, and all other farming and agricultural related industries (as defined by section 18(b) of the Small Business Act (15 U.S.C. 647(b)).
COVID-19 EIDL Loan Applications at http://www.sba.gov
07-30-2020 9:44:57 AM CST
Home Loans or Sole Proprietor Loans
Homeowners and Renters must register with the Federal Emergency Management Agency (FEMA) to obtain a FEMA Registration ID Number by calling 1-800-621-3362 prior to applying for an SBA loan.
To apply, click here.
07-29-2020 8:51:31 AM CST
07-09-2020 8:24:12 AM CST
If you’re new to budgeting, it’s important to understand what a budget is and how it helps you examine what you earn and how you are spending that income. A budget is a financial plan that takes income and expenses into account and provides estimates for how much you make and spend over a given period of time.
Addressing your financial situation and distinguishing between needs and wants is an important first step before creating your annual budget. Acknowledging areas where you are overspending can be an eye-opening experience. Creating a budget and sticking to it can help you save and reach your short- and long-term financial goals. This is not a one-time exercise. Revisit and rework your budget if you have a financial windfall or setback so it reflects your current situation.
Ready to get started? Understanding the following key components will help you as you begin to build a monthly or annual budget:
The next step is to create your monthly budget using this basic Budget Worksheet. If you find you are not able to stick to your budget, it may mean you are spending beyond your means or that your budget is not flexible enough. Take the time to review and readjust your budget monthly until you find a plan that works for you.
If you’re looking to budget for specific goals, check out our budgeting calculators — they’re powerful tools for exploring ways to manage your finances:
07-06-2020 8:51:25 AM CST
07-02-2020 8:56:43 AM CST
Mr. Cambas decided to venture back into travel and he understood he needed money and power. What better way to gain money and power than to merge his operations with the Ciaccios. Steve, Joe, and Jimmy have been friends of the family for years all the way back to 1973. Gaspar Ciaccio, the father was personal friends of my father E. Earl Cambas. So as far as the Mafia connections, this is only conjecture. The movie "Good Fellas" had the Henry Hill gang coming to collect money from Mr. Ciaccio Sr, and this event landed several persons in jail in New York on conspiracy and racketeering charges. When the Henry Hill gang flew to Tamp to collect on a $120,000 bet that was owed to the New York Capposthey beat him and pistol-whipped him. Thankfully, Gaspar escaped the beating and was able to make good by calling a Doctor friend who fronted him the amount to satisfy the debt. This is all represented in the book "wise guys," and later was conveyed in the movie "Good Fellas," starring Joe Pesci, Robert DeNiro, and Ray Liotta. Since Gaspar's wife saw him all beat up and bloodied she contacted the authorities. It turns out that she was a secretary for the Tampa FBI. The case landed several mob bosses and lieutenants in prison. In addition, the scandal gained a ton of publicity from the authorities and the public at large. A lot of the witnesses in the case died sudden unusual deaths prior to testifying which never were proven to be nefarious.
07-02-2020 8:50:17 AM CST
Ξεκινάει, από την Αίγυπτο, η 1η προσπάθεια εξαγωγών, με σκοπό να γνωρίσουν και άλλες χώρες τα κρασιά και τα αποστάγματα των ελληνικών Μεσογείων. Το κονιάκ γνωρίζει μεγάλη επιτυχία στην Αίγυπτο, πουλώντας 40.000 κιβώτια ετησίως, ξεπερνώντας ακόμα και τα αντίστοιχα γαλλικά.
07-02-2020 8:40:02 AM CST
07-02-2020 8:23:34 AM CST
07-02-2020 8:22:50 AM CST
07-02-2020 6:05:19 AM CST
06-08-2020 11:12:21 AM CST
Prior to your mobile home closing
Paperwork needed: Title or Titles (must have), Bill of sale (You may create this by hand or this generic Bill of Sale here.) No notary is needed. One title per section of mobile home; a double wide will have 2 titles.
Pro Tip: If purchasing the mobile home perform one last walk through before closing and handing over any money. The seller wants your money just as bad as you want the property. If there are any surprise repairs needed or trash/furniture you may have to remove it.
05-18-2020 7:21:45 PM CST
Click the link above to get all the latest stats.
05-14-2020 10:03:58 AM CST
05-13-2020 7:25:44 PM CST
05-13-2020 6:52:58 PM CST
Real Estate Email Templates
Homebuying is an increasingly digital process. Today, 80% of homebuyers conduct internet research when considering homes to buy, and 89% use the internet to find real estate agents. In fact, millennials are currently the largest group of homebuyers (at 34% and growing). Documents can be signed virtually, homes can be viewed by video, and realtors are expected to be online.
So where should you begin? Start with a strong email marketing strategy. Formal, impersonal letters no longer do the trick.
The fastest way to modernize your outreach is by implementing short, direct, and personalized email campaigns.
To help you get started, here are 10 real estate email templates that will usher your communication into the digital age.
05-01-2020 7:31:00 AM CST
04-30-2020 6:54:10 PM CST
The Division of Florida Condominiums, Timeshares and Mobile Homes is charged with providing oversight of the Florida residential communities we regulate through education, complaint resolution, mediation and arbitration, and developer disclosure.
Welcome timeshare owners/purchasers, prospective purchasers, developers, management companies, and industry professionals to the division’s timeshare page. As a regulatory agency, a top priority is to provide public information concerning Florida timeshare resorts and industry-related news. This site has been developed to bring you timely and relevant information concerning financial, examination, and enforcement issues affecting timeshare resorts registered with the division.
The timeshare industry is growing in Florida. Our mission is to be the model timeshare regulatory organization in the U.S. We foster compliance with timeshare laws and rules, regulate with fairness, and practice excellent service to all customers as we approve new timeshare resorts, monitor current operations for compliance and performance, and communicate to you, our customers, while implementing Chapter 721, Florida Statutes
All requests for publications, documents, forms, applications for licenses, permits and other similar certifications can be obtained by contacting the Customer Contact Center.
Boyd McAdams, Director
2601 Blair Stone Road
04-03-2020 6:55:22 AM CST
opular Forms, Instructions & Publications
US Individual Income Tax Return
Employee's Withholding Certificate.
03-22-2020 7:30:04 PM CST
Go Behind the Score with Tenant Credit Reports
Every screening bundle includes a ResidentScore to help you pick the right tenant. Some people want the details behind the score.
How do you get those details? By choosing the upgraded screening bundle that includes a tenant credit report after signing up for a free membership.
Tenant Credit Report: beyond the score
Our ResidentScore is designed to help you and other landlords like you make better rental decisions—and it’s free for landlords who pass on the cost to renters. But that doesn’t mean you won’t have questions like:
What’s in the tenant credit report?
How recent are the late payments? How late? How much was late? Who was paid late?
You can see these details for yourself when you upgrade to receive a SmartMove rental credit report:
Know your tenant’s rental credit report
With TransUnion SmartMove’s renter credit report
With TransUnion SmartMove, landlords can run rental credit reports in minutes. As a property owner or landlord, you’ll be able to make better decisions for your rental property much faster and more efficiently.
TransUnion SmartMove offers a credit report for landlords like you that want to know more about their applicant's credit history. After signing up for a free account, you can gain fast access to the same data that’s used by large property management companies with TransUnion SmartMove's comprehensive leasing recommendations. If you want a thorough background report on your renters, SmartMove will show you the whole picture in an easy to read format.
Doesn’t impact the tenant's credit score
A tenant credit check from SmartMove is different than most resident screening services. A review of a SmartMove report results in a soft-inquiry on the applicant’s credit history, which has no effect on their overall credit score. Rental applicants can also be confident in the safety and security of their personal information throughout the process thanks to TransUnion’s experienced team. TransUnion SmartMove is the clear choice for helping you make the right decisions for your rental property.
Since the rental applicant initiates the release of their personal information, the result will be a soft-inquiry that won’t affect the applicant’s credit score. As an added bonus, our tenant credit reports are formatted for tenant screening to help you better analyze the risk of renting to potential tenants.
SmartMove makes it easy and free for landlords to sign up and quickly identify important information about a potential applicant. You'll get the insight you need to make an informed leasing decision by accessing the context behind the score.
Available 24/7 online
Since the entire TransUnion SmartMove tenant screening process is completely online, it's accessible whenever it's most convenient for you. We also provide mobile optimized reports, so that you can access the tenant credit check you need wherever you are.
Provided by a trusted company
Renter credit reports are provided by TransUnion, a company with more than 40 years of experience in the consumer reporting industry.
03-22-2020 6:29:18 PM CST
HOW COVID-19 COULD IMPACT THE REAL ESTATE MARKET
BY ANTHONY SANFILIPPO
Covid-19, or coronavirus, is all that everyone is talking about. And there are dozens of questions related to it. Is it preventable? How fast is it spreading? How dangerous is it? Will a treatment or even a cure be found in time?
All those questions are fair, and from a public health standpoint, should be asked and answered by those who are tasked to answer them – like the Centers for Disease Control.
However, this global pandemic, while terrifying millions around the world, is also having an impact on global financial markets and likely will impact the U.S. Real Estate market soon.
“U.S. MORTGAGE RATES HIT AN ALL-TIME LOW IN EARLY MARCH, WITH THE AVERAGE RATE OF THE 30-YEAR FIXED-RATE MORTGAGE DROPPING TO A STAGGERING 3.29%.”
Mortgage interest rates are plummeting, and according to a report on CNBC in early March, they could fall as low as zero percent, and even then, the Fed could go even farther.
“We certainly think the Fed would be prepared to do more,” said Michael Gapen, head of U.S. Economics at Barclay’s in an interview with CNBC. “There’s a lot of volatility in markets, and the Fed is very concerned about market functioning and keeping liquidity free flowing and credit available.”
In addition to the plummeting mortgage interest, an already slow real estate market will be impacted by a lack of Chinese buyers.
“China has been the most important source of foreign demand for real estate,” Lawrence Yun, chief economist at the National Association of Realtors®(NAR) told Realtor.com. “The upper-end market can expect to be softer as a result.”
That’s because wealthy Chinese buyers often purchase luxury properties in places like California and New York.
According to NAR’s most recent data about foreign buyers, Chinese buyers spent $13.4 billion on U.S. homes between April 2018 and May 2019 – which is a 56% drop from the previous 12-month span.
While some of that drop can be attributed to more strict rules by the Chinese government on international spending combined with tougher immigration rules in the U.S., even those Chinese buyers who would still come to America to buy real estate have been put on ice based on travel restrictions, flight cancellations and required quarantines and self-isolations.
This takes away the incentive to buy real estate because when a potential buyer can see the property remains unknown.
THE MORTGAGE INTEREST-FREE FALL
U.S. Mortgage rates hit an all-time low in early March, with the average rate of the 30-year fixed-rate mortgage dropping to a staggering 3.29% according to Freddie Mac, eclipsing the previous low set back in 2012. Just a year ago, though, mortgage rates were hovering in the mid-4% range after almost touching 5% at the end of 2018.
However, some experts, like Jay Farner, CEO of Quicken Loans, sees this as an opportunity for current homeowners to refinance their mortgages and pay down the loan even faster.
“So, 30-year mortgage rates have dropped quite a bit to the low-to-mid three percent range on a 30-year fixed-rate, and we’re now below three percent on a 15-year fixed,” Farner told MarketWatch “ So, I’d say for the vast majority of Americans, they’re now in a position where they can save money by refinancing. So, they should be doing something.
“THE ONE POTENTIAL CONUNDRUM FOR LOWER MORTGAGE INTEREST RATES IS THAT IT COULD CREATE A SLIPPERY SLOPE WHERE MORE BUYERS ENTER THE MARKET TRYING TO GET A GOOD DEAL, ALLOWING SELLERS TO JACK UP THEIR PRICES.”
03-10-2020 7:56:54 PM CST
A team approach to human excellence.
All rights reserved Edward Cambas - 2020 another EC3 Website and Platform.
02-04-2020 9:56:03 PM CST
Denny's is partnering with Earvin "Magic" Johnson to bring a one-of-a-kind training experience to employees. With positions that offer flexible scheduling and competitive pay, you'll receive the skills you need for long-term growth and the support from an organization that values leadership, education and advancement of its employees. Join the team and see your future at Denny's.
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