Monthly archives: December, 2016

Stated income and no income no asset mortgages making a resurgence after 5-year hiatus

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After disappearing from the mainstream mortgage market for nearly 5 years, stated income and no income mortgages are finally making a comeback.

You may remember stated income loans – these are the ones in which borrower state their income on the loan application but are not required to provide supporting documentation such as tax returns, paycheck stubs or W-2s.

Primarily used by business owners with generous write-offs up until late 2006, stated income loans are now available for both self-employed and W-2 employees. The general guidelines for stated income loans are as follows:

Up to 70% loan-to-value Loan amounts up to $1,000,000 Minimum credit score of 700 Property must be located in California Debt-to-income ratios not to exceed 40% Property must be the borrower’s primary residence Purchase, rate and term refinance, or cash out refinance allowed Single-family homes, condominiums, townhomes and 2-4 units properties The income stated must be reasonable in relation to the position of employment No tax returns, W-2, paycheck stubs, or 4506-T are required Borrowers must be U.S. citizen or permanent residents Self-employed or W-2 employees allowed

Unlike a stated income loan, where the borrower is required to state their income, on a no income mortgage the income section of the loan application is left blank and the borrower’s debt-to-income ratios are not calculated.

No income mortgages are available for both self-employed and W-2 employees, and may be used to purchase or refinance a primary residence, second home, or investment property. The general guidelines for no income mortgages are as follows:

Up to 65% loan-to-value Loan amounts up to $2,000,000 No minimum credit score required Property must be located in California Borrower may finance up to 3 properties under this program Purchase, rate and term refinance, or cash out refinance allowed Single-family homes, condominiums, townhomes and 2-4 units properties allowed Primary residence, second home or investment properties allowed No tax returns, W-2, paycheck stubs, or 4506-T are required Income section on the loan application is left blank Debt-to-income ratios are not calculated Self-employed or W-2 employees allowed Borrowers may be U.S. citizens, permanent residents, or foreign nationals

This is the perfect opportunity for people who are unable to qualify for a traditional full documentation mortgage to purchase or refinance a primary residence, second home or investment property.

For more information on stated income or no income mortgages, call Lenderline at 1-888-661-7888 or go to www.lenderline.com for more loan programs.

Studio Apartments In Noida

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These days studio apartments are one of the emerging trends in the real estate of Noida and considering the growing demand for such homes, especially when urbanisation is increasing at a massive rate, and rural population of the country is shifting its base to urban cities, the real estate developers are keener on developing serviced studio apartments. Built over an area of about 500 sq ft, these apartments consist of one bedroom with a dining-cum-drawing room, small kitchen and a bathroom. These studio apartments in Noida are fully furnished with professionally managed services like food, laundry, cleaning, car parking, common electronic gadgets like TV, refrigerator and Internet, and all these within 10-15 lacs – quite realistic!

With property rates skyrocketing in most of the areas in Noida, buying a home has really become a costly affair. Moreover space also has become a major constraint for developing newer avenues for the developing sectors. Consequently the outset of studio apartments in Noda has really proved to be a great rescue for all those looking to purchase a small house but at a prime location. Basically this sort of properties are westernised concepts brought to India by the developers so as to cater to the needs of common people who are looking for small investment yet a proper house in metropolitan cities.

Presently, Studio Apartments in Noida have become a craze amongst the single workers as they do not want two- or three-bedroom sets, mainly from the IT and ITeS sector, with good income and transferable jobs or people migrating from the rural areas to the urban areas, especially because it demands less investment. Moreover, Noida being an upcoming educational hub, the model of studio apartments are considered suitable for the students also.

Investment in studio apartments in metropolitan cities is a wise option for long term capital gains but again, location is always an important aspect so that should be kept in mind, and one must also ensure that the surrounding area is a workplace hub so that will guarantee a strong flow of tenants or buyers. It is expected that these studio apartments would bring in good return of interest in the next 3 to 5 years. Shorya Agarwal of REMAX Pro Vantage, a realtor, states, In next 2 to 3 years, these studio apartments will fetch an annual rental return of 9 to 12 percent.

If you are a bachelor or a family looking for such decent accommodation in Noida at a realistic price, then contact us at BOP, Indias leading Real Estate Consultants, and we will help you fulfil your desire.

Paper Lanterns An Integral Part Of Feng Shui

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All of us have known the beauty that can be created by the use of paper lanterns. However, very few of us have any idea about the numerous usage and effects of using paper lanterns. Chinese have been using paper lanterns from thousands of years and according to them it plays a significant role in feng shui.

Paper lanterns help in increasing fertility:
Millions of women throughout the world face difficulty in getting pregnant. This can be a devastating experience if the wait is really long. Many people do not believe solely on doctors to help them fight the problem with their fertility. Feng shui is believed to help in improving fertility by using red paper lanterns. According to the theory of feng shui, red paper lanterns if hanged on both side of bed can help in getting pregnancy. Many feng shui experts even suggest using a red paper lantern directly over the bed.

Paper lanterns help in bringing positive energy in house
Feng shui is well known as an art that brings positive energy in peoples life. Paper lanterns are believed to play a significant role in bringing a positive energy and harmonica effect in your bedroom and house. Keeping paper lanterns on both or either side of bed is helpful in bringing positive Yang energy into the bedroom and improves the already present chi energy. Bright colored paper lanterns are more effective for harnessing Yang energy.

Paper lanterns help in bringing harmony to marriage
Feng shui uses the energy of polarity and according to it using a pair of same object is very effective. Using a pair of red paper lanterns on sides of bed, both lit simultaneously signify a long and happy marriage. However, for the effect to be more it is important to lit and switch off both the lanterns at the same time so that they work in harmony. This harmony is symbol of marriage and signifies the harmony between husband and wife.
Paper lanterns are very important part of feng shui process. Those who believe in feng shui will definitely know that paper lanterns are not just decorative but a source of positive energy.

ATS Ellur Residential Project Presents For Your Dream Home

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Perception is the most important thing for making any decision. And, when it comes to buy a residential property, people always go with it. Modern age residential societies are being developed keeping in mind the perception of people towards living. One can see high-rise residential township and low rise vials, which means there are different kinds of perception. Some people want to enjoy their life amidst high density residential township. However, others aspire to live away from the noise and crowded locales. ATS Realty, a renowned real estate company, has been developing world class residential projects since a long time. It is now mastered in real estate construction and develops every project with innovative style. Recently, this company has launched a high-rise residential society with the aim of catering the growing need of apartment living in Yamuna Expressway.

A large number of home buyers in Delhi-NCR region are constantly searching for a place where they can get a feel of colonial living. ATS Ellur will fulfill this demand of people. This mega residential society boasts of high-rise towers in which luxuriously carved 2 and 3 BHK residences have been built on the respective land area of 1150 square feet and 1350 square feet. Moreover, a number of exotic features including international standard club house, restaurant & caf, multipurpose hall etc, help people in enjoying their life with great ease. Life here enjoys great freedom and luxury that can’t be experienced at any other residential society. Its establishment at Yamuna Expressway makes it easy for the people to reach any important place of Delhi-NCR. Delhi’s IGI Airport, Lajpat Nagar, South Ex and Noida’s City Center Metro Station are hardly 20 to 30 minutes drive away from here.

Besides Yamuna Expressway, other major road transits of NCR including Noida Expressway, DND Expressway and Greater Noida Expressway are located in the close vicinity of ATS Ellur Noida. Construction of entire building is being done as per the architectural design prepared by renowned architects. Strong structure of building provides safety to the residents from low intensity tremor of earth quake. In addition, its eco-friendly features help in environment and energy conservation. People will enjoy excellent neighborhood of prominent educational institutions, hospitals, industries, shopping arcades and other exotic places, while staying at this newly launched residential society. Furthermore, as a privilege resident, they can avail state-of-the-art facilities, such as 24X7 security, quality maintenance, constant water supply, complete power backup, swimming pool etc.

Dubai To Pass A New Law Protecting Investment In Property

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The new law will allow anyone who has made an investment in property in the emirate to receive a full refund if a property developer fails to deliver an off-plan property on time. Other occasions in which investors can request to be compensated include breach of warranty and fraud.
The plans for the new law came to light in June when a draft was published. This early version of the law has undergone amendments after a consultation process. Majida Ali Rashid, director of planning and organisational development at DLD, explained that the public and interested parties, which were included in the talks, brought several suggestions to the table.

Boost to investor interest

The final version, which is now being drawn up, will ensure that interested parties are less exposed to risk when it comes to investment in property in Dubai. With the new law, investors receive extra protection in situations where they have suffered from a developers inability to keep the terms of the agreement. This will most probably give a boost to Dubais property market, aiding the recovery which has recently been seen after the market crashed in
2008 following the global economic crises.

Dubai is a country which has attracted serious global interest for investment in property. Over the last decade the country has launched some of the most ambitious infrastructural and development projects in the world such as Dubai Marina, Jumeirah Lakes Towers, Palm Jumeirah and The World Islands. These and other projects have had property investors salivating. According to the emirates Real Estate Regulatory Agency (RERA), Dubai is currently home to 3,094 registered real estate brokers. Nearly 50 percent of this number comes from UAE (620), with Indians (438) and Pakistanis (428) also well represented. Britain comes fourth with 304 brokers.

And with the new protection measures Dubai will become even more attractive destination for property investors across the world, creating a safe and fertile ground for whatever spectacular project developers in the emirate dream up next.

Duplex Apartment in Kolkata

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Duplex apartments offer versatility to the potential investors. Duplex properties are those residential space which is a single building with two or more living space that is seperated by bathrooms, bedrooms and kitchens. The flat inside another flat is build in such a way that there are seperate entrances to the flats within the space.

Many real estate developers are now building duplex apartment in Kolkata as many consumers prefer to buy duplex apartment due to the kind of space it offers. The duplex properties are hugely popular as it gives the owners the required privacy but it is also affordable because the price is that of a condominium or an apartment.

There are a few positives about a duplex apartment in Kolkata. The first thing that you will notice about a duplex apartment is its yard. The yard is huge and spacious. Then there is an attached garage which is also huge. The duplex apartment also have storage places. You will also get the required privacy in a duplex apartment, thus making it a popular choice amongst the consumers.

The atmosphere is very homely too. However there are also certain negatives about a duplex apartment. It can be quite expensive. You need to give in pretty high deposit value. Since the apartments are duplex, the utility bills are higher too. If you have a pet, then the deposit amount for a pet too is higher than in case of other residential complex. There could be other maintainance issues if it is not done professionally. There is usually a lease of 12 months for a duplex apartment, if you are renting one. No other amenities are offered in case of duplex apartment in kolkata.

The above mentioned points should be weighed carefully prior to the final decision. The lifestyle that you maintain is your personal preference but it is always wise to have the knowledge about the future that you are walking in.

Taking The P11-101 Paypal Certified Developer Payments Certification

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Just like any other certification exams, prior of taking the exam the applicant should be well-prepared. This means that it is necessary to find review materials that contain sample questions with corresponding answers relevant to the topics involve in the said certification. Likewise, you should ensure that the practice tests are updated with the latest technology. In the same manner, the information included in the review materials should also be accurate.

There are many online vendors and websites offering review materials for PayPal Certified Developer Payments. However, you should be very careful in making your choice. Make sure you are opting for one of the reliable online vendors. The study guides they offer are a good source in such a way that they assure success in passing the certification exam.
The review materials as well as the practice questions and answers are prepared by expert specialists in PayPal subjects. Likewise, they follow the recommended syllabus in order to meet the objectives of the examination. That is why the candidate can expect that the information is precise and helpful particularly the practice exam content for P11-101. The practice questions and answers are easy to utilize because they are available in PDF format that can be downloaded.

It is not enough just to have theoretical knowledge if you want to obtain good job in the IT industry. It is necessary to enhance practical knowhow, proficiency and boost self-confidence. This makes sense of finding and utilizing review resources that can help in strengthening the knowledge and skills that will lead to passing the P11-101 certification exams.

In addition, you should buy review materials that are approved and recognized by the IT organization providing the certification. Likewise, the vendor should give support to the candidate especially in case of queries. As a rule, when choosing the best and effective review resources, you should not only base your decision on the claims of the provider. Instead, you should check for previous clients testimonials in order to know if their claims are true.

Using effective and updated review resources in preparing for the Paypal Certified Developer Payments certification exam offers great advantages. On the other hand, the candidate should also be diligent and committed in all the preparations in order to obtain the best results. Keep in mind that the review materials are expensive that is why it is important to ensure that your money will not be wasted.

Most online vendors are offering money back guarantee and this only shows that the vendor is reliable as they value the time and money of their clients. Nevertheless, the candidate should ensure passing and obtaining the certification for P11-101 for the first try.

Punta Cana Apartments for Rent

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While heading on a dream vacation, most people often complain of being homesick after a while. Are you planning a holiday to the paradise land of Punta Cana? Are you contemplating where to stay? Though the Dominican Republic (DR) has numerous state-of-the-art contemporary hotels, they somehow fail to provide the warm, homely vibe, which vacation rentals in the form of condos and villas can give.

Punta Cana is one of the best and highly popular tourist destinations in recent times. It has the perfect weather, awesome southern hospitality, and a relaxed and laidback vibe for you to leave the city stresses behind. Renting an apartment in Punta Cana gives you the opportunity of extending your stay and feeling right at home.

You can opt for a fully equipped condo, which offers several amenities, such as a functional kitchen, swimming pool, wi-fi connection and most of all, proximity to the best beach in the area.

Rental properties in Punta Cana are definitely a smart choice because:

It gives you the same facilities as a contemporary hotel, but at a much more affordable rate.

It is ideal for a long stay.

You can stay close to a sandy white beach with turquoise water for as long as you want.

While choosing a rental apartment in Punta Cana, keep the following things in mind:

Location, location, location. Do you want to stay near the beach or the main road? Would you rather stay in a quiet locality or in a bustling neighborhood with restaurants, bars and tourists? Are you in DR on vacation or business? Depending on your needs, you can choose from a wide assortment for rental accommodations.

If you are planning to rent out a property in Punta Cana for a long duration, make sure you choose the one that offers competitive, discounted rates on long term rentals.

If you are planning to invest in real estate in the Dominican Republic, it is probably advisable to test the waters before taking the plunge. Renting out a property initially, before taking a final call, will help you gauge the vibe of the place, people, lifestyle, etc.

Most Punta Cana apartments for rent will offer you decent rates for minimum of one weeks stay. The rent will greatly depend upon the size of the place, the location and amenities on offer.

Baby boomers, retirees, investors or anyone who is sick and tired of the metropolitan burnout, should at least visit this land, which never fails to smitten, once.

Secure your job as an IT contractor Accountants and make money

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Today you have many types of jobs for you to choose from. You can be engineer, IT professionals, Tax-persons etc. Nowadays you can be IT contractor Accountants, engineering contractor, Project Manager Contractor, etc. A contractor is one who works for somebody else on a project for a fixed period. There are several reasons to be a contractor. If you join a company as a contractor you will get the various benefits like financial freedom, a fixed amount of pay, more independence and true success. Contractor jobs are far better than the permanent job as your success and failures depends only on your own performance. Neither you can blame anyone for your failure nor appreciate others for your success.

IT Contractors Accountants also give advantages to companies in several terms. If a company gives contract work to these contractors then it is less expensive for the company because the company is not required to pay any type of allowance like holiday pay, insurance, conveyance allowance, etc.

If you are much confused in choosing IT contractor Accountants jobs then underneath points will definitely help you:-

This contracting job gives you full freedom of choosing where to work and when to work.
You do not have to work under any observation. You are the boss of your own.
Money is more important for every person. This contract job let you to earn money than a fixed pay employee.
This contractor job is more beneficial as you will work by focusing on your task only whereas in permanent job you are pull out in several other directions to do work.
It allows you to understand different work cultures and understands several organizations deeply.
It is the type of full enjoyable job.

Now, if you decided to work as the IT contractor Accountants then you can select from two categories of options to work as:-

Umbrella

The contractor will be an employee of the umbrella company. You are not worried about any paper work but you have to fill your time sheet and get paid. The company will pay some expenses such as travel expenses, hotel expenses, etc. However a demerit such of Umbrella Company is that the contractor gets 60% to 65% of their contract.

Limited Company

You have to open your company and you will get 75 to 80% of your contract. The demerit is that you have to do lot of paperwork.

About Author:

Accountancy Managers is a leading firm of chartered certified accountants in London. They are committed to offer best services for IT contractor Accountants and other type of business and personal accountancy services.

Know About Iranian Architecture

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Iranian architecture displays a class and elegance that cannot be matched with any other style of architecture and design. It is quite distinct from that of Muslim countries. The major features of Iranian architecture are: structural ingenuity basically in vault and dome construction; a skill of decoration with freedom and intricacy incomparable to any other form of architecture.

The pre-Islamic buildings include the remarkable Elamite ziggurat at Chogha Zanbil. Baked brick was used for outer surfaces by the 12th century BC. Most of the greatest buildings were built with a religious purpose, and even in secular buildings religious influences are entirely absent. Palaces were present, and their shapes, sizes and colors varied according to the ruling dynasty.

The first great development of ancient Persian architecture took place under the Achaemenid dynasty during the Persian Empire, from about 550 to 330 BC. There are numerous remains of Achaemenian period, including two palaces, a sacred precinct, a citadel, a tower, and the tomb of Cyrus.

Royal architecture under the Achaemenid also included tombs cut in solid rock, of which the best-known examples are those at Naqshah Rostam near Persepolis. Little is known of the popular building practices of the period, but archaeologists believe that the ordinary dwelling was made of mud brick. After the conquest of Persia by Alexander the Great, Greek influence, in its late, Hellenistic phase, was predominant in the arts of Persia. Examples include fragments of bronze sculpture found at Shami, and the Parthian sculptural reliefs at Behistun.

During the Islamic period “mosques” became the major buildings in Iranian architecture. Outstanding examples of early Islamic Iranian architecture include the Mosque of Baghdad built in 764, the Great Mosque at Samarra erected in 847, and the early 10th-century mosque at Nayin.

After the 17th century, Iranian artists copied European paintings and engravings, and the native traditions declined. But Iranian architecture still managed to leave a huge impact on the world.