Why Your Choice of Mortgage Company is a Significant Decision

mortgageWhen you see an advertisement to refinance your mortgage for “free”, it is most definitely a fraud. A mortgage lender will face $500,000 worth of penalties after deceiving clients with false ads.

“An ad that says you can refinance your mortgage for free is clearly deceptive if you have to pay money at some point before you sign on the dotted line,” Director of the Federal Trade Commission Bureau of Consumer Protection Jessica Rich said in a statement.

“Lead generators need to understand that federal laws governing truth in advertising apply to them as well as everybody else,” she added.

Importance of transparency

City Creek Mortgage, a trusted home mortgage company in Utah, noted the importance of transparency. The company explains that most companies hide the interest rate to attract clients, but they can always ask for full disclosure as part of their rights.

Transparency shifts the balance of power, whereby the client is empowered to see and make the best decision. From the perspective of a professional, transparency is an act of respect.

Deceptive claims

In case of a failure to provide transparency, you can sue the company like what the victims of Delta Prime Refinance did. They filed a complaint against the company for falsely claiming that there were no hidden charges and the mortgage refinancing is free.

The company faces three violations, namely the Federal Trade Commission Act, the Mortgage Acts and Practices Advertising Rule, or “MAP” Rule and Regulation N, and the Truth in Lending Act and Regulation Z. Aside from the monetary fine, the court does not allow the Colorado-based company to disclose, sell or transfer the consumer data they obtained.

The Department of Justice proposed consent decree on behalf of the Commission in U.S. District Court. The proposed consent decree is still subject to court approval.

The incident is not new; many companies make false promises. This is why it is up to you to make that important decision. Before working with a mortgage company, take the time to go over every detail. Be sure to work with trusted and respected mortgage company that offers transparency to ensure your future.

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Choosing the Right Container Truck when Moving into Your New Home

moving to new homeMoving into your new home can be stressful, especially if you have furniture. Fortunately, there are container transport services that can accommodate all your needs — from packing your items to transporting them to your designated location.

To help you find a reliable service provider without hurting your budget, here are some tips recommended by ICL Transport, Containers& Storage.

Understanding the different types of Container Trucks

Usually, the service provider will ask you about the items you need to transport. They will recommend the best container truck and initial quote for the services. To give you a better idea, here are some of the common container trucks available:

  1. Open Top Container – This type features a soft detachable roof tarpaulin or tilt. It is ideal for machinery requiring top loading and over-height cargo.
  2. Half Heights – These feature a soft detachable roof tarpaulin, which can hold high density cargos such as heavy furniture, drums, and large metal frames.
  3. Flat Trucks – Flat trucks do not have sidewalls or roof, although some may be collapsible. This is ideal for out-of-gauge cargos and restricted loading situations.
  4. Platforms – These feature a flatbed with corner castings, and works best for limited numbers of high rated equipment and over-length cargos and special projects.

      Before you choose the size of container trucks, you need to be familiar with the different materials available. The type of container truck depends on the items you need to transport. A standard storage container that measures 8’ x 7 x 7’ and made of construction-grade wood can only accommodate up to 2,000 lbs of goods. The same sized container made from steel and aluminium, on the other hand, can handle up to 5,000 lbs.

      Finding the right container transport services is not that difficult. You can search online and look for the best deal. Browse through their website and read customer feedback. Check the trucks available and compare the prices of other service providers. This will help you gauge the quality of their services.

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      What Science Says about Yoga Therapy

      yogaYoga has certainly advanced in the last few years. You can see it with the way the practices and the equipment changed. For one, people used to think that yoga is limited to floor mats, and now yogis install aerial hammock kits to perform exercises midair. Yoga’s progress goes beyond this, though.

      Equipment and training aside, science has also taken several steps to prove and disprove certain claims about the Indian practice, most especially with health-related claims surrounding the exercise.

      Yoga as a stress buster

      Recent research from Harvard Medical School found a significant effect of yoga on the way human bodies deal with stress. Meditation, apparently, affects more than just the brain, as it can also influence physiological processes.

      Studies point to the effect of yoga and meditation to the autonomic nervous system (ANS), the part of the brain in charge of the functions of the intestines, liver, heart, and other organs. Scientists divide this system into two parts: sympathetic (SNS) and parasympathetic (PNS). The former is in charge of producing cortisol and adrenaline, two known stress hormones. The latter, on the other hand, regulates the heart rate and blood pressure to speed up recovery following a stressful event.

      Certain yoga techniques control these parts of the brain, thus allowing the yogi to experience a more relaxed state. Through meditation, slow breathing, and guided imagery, the brain enters a calmer state, which, in effect, reduces stress levels.

      Yoga for other diseases

      Earlier studies have exposed the role yoga plays in dealing with back pain, depression, and anxiety. As for other conditions, such as diabetes, arthritis, and asthma, scientists are yet to come up with new evidence to justify such claims. Regardless, the more recent studies are proof enough of how helpful yoga can be when it comes to health.

      So far, science agrees that yoga can indeed pave the way toward a healthier lifestyle. But despite these studies, yoga is not a substitute for professional medical care. It is still important to consult a physician before engaging in yoga as an aid for therapy.

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      3 Meaningless SEO Strategies to Avoid

      laptopThe world of digital marketing and search engine optimisation is constantly evolving, and it is showing no signs of slowing down. The lack of an effective digital marketing strategy can result in your brand being in danger of losing to the competition.

      It takes careful planning to decide how to go about your SEO and digital marketing efforts. In Australia, many businesses make sure to cover all grounds–including social media and mobile. To make the most of your digital marketing campaign, it is important to know which strategies are still relevant and which might only compromise your online presence.

      Take a look at some of the SEO approaches that you should avoid doing now:

      Thin, Irrelevant Content

      NuStudio.com.au says search engine optimisation from Perth to Sydney follows global standards and is putting a premium on the creation of high quality content. Updating your blog regularly is highly effective, yes, but if you post thin content just for sake of updating, you might as well not post at all. When you post a blog, status update, or even follow-up content, make sure the information is current, relevant, and well written.

      Spammy Guest Blogging

      Guest blogging is still a great way to build links, but only if you do so properly and with caution. There are some who abuse the technique by writing content for a site that has no direct relation. Google might penalise you for this. If you plan to inject some guest blogging into your campaign, do so carefully.

      Keyword Stuffing

      Keyword stuffing is like asking for Google to penalise your site. Instead of focusing on keyword density, think of how you can provide readers relevant information. After all, when you write for real people—not for the search engine—you are more likely to gain real customers.

      It’s important to always be on the lookout for possible changes in the SEO industry. With more businesses harnessing the potential of the Internet, having a good handle on proper SEO strategies can set your brand apart.

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      3 Things Wedding Reception Spaces Must Have

      wedding receptionWedding planning is all about the details. As important as the dress, flowers and guest list are, you should also pay attention to the reception. Don’t commit the mistake of overlooking these important points.

      Unique Entertainment

      The guests will most likely remember the reception by the unique entertainment they will witness and experience. You can set up a photo booth. People love having their pictures taken and they will certainly enjoy posing for the camera in their lovely dresses and suits. The photos will also be a souvenir that will let them remember your wedding.

      Fill the place with music and dancing. If you want the reception to be funky, hire DJs that will get the guests dancing. Popular website, My Wedding Concierge also suggests that if you want to go extraordinary, entertain the guests with belly dancers, jazz trio or string quartets.

      Lovely Décor

      Even the smallest of details can amaze the guests. Instead of lighting the place with traditional lights, you can use homemade lanterns to achieve a calmer and more romantic vibe. You can also hang origami swans or paper garlands, set up floating candles on the table, or wrap birch bark rings on napkins. Personalise details on the reception so that guests will enjoy the hominess of the place.

      Stunning Draping

      One good way to enhance the appearance of the reception space is to use beautiful draping. If you want a sophisticated vibe, use white draping and pair it with crystal chandeliers. You can also add twinkle lights to the white draping to add a bit of detail to the fabric. To achieve a more festive atmosphere, use colourful ribbons or strips of cloth. Just make sure that the colour and material complements the theme of the wedding and the venue.

      Add personality to the ceremony and make your wedding more special and memorable.


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      The Land of Opportunity: Trying Your Luck in the United States

      try your luck at USAPeople say that the United States is the best place to go to enjoy better life. Here, you will find more opportunities to turn your dreams into reality. With this promise of a better living, more people would set foot on its grounds and take their chances.

      One way to temporarily work in the country is by getting a legal permission from the state. Most likely, the government will accept people who can contribute to their country. That is why experts recommend temporary workers to apply for E-2 Treaty Investors non-immigrant visas classification.

      Application Requirements

      The E-2 visa permits foreign investors to oversee their business operations and live in the country, so long that their country of origin holds an existing investment, commerce or navigation treaties with the U.S. There should already be an investment or it is in the process of investing.

      Unlike employment-based visas, the minimum threshold investment required can be as low as $100,000, depending on the size of the business. E-2 visas are only valid for two years, enough for foreign investors to pursue investment opportunities in the country. In case the investors need to exceed more than two years, they can renew their E-2 visas, provided that they meet the regulatory requirements for renewing.

      The E-2 Status

      For investors who are still in their home country, they can submit the application at a U.S. Consulate. But if they are already in the country and are presently recognized as visitors, they don’t have to go back to their country of origin. They can submit their E-2 application at a USCIS Service Center instead.

      Applying at a Service Center, however, will only grant a person an E-2 status. If they need to travel outside the U.S. and go back again, they will need an E-2 visa. Visas can only be granted by Consulates. That is why they have to make sure that they already know what is needed to avoid delays in business.

      Expanding a business network opens more opportunities. Rules and regulations differ in each country. Before travelling to foreign lands, knowing how things work over there and abiding by their laws are essential. By researching, they can prevent hindrances and missed chances from occurring.

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      Common Data Center Migration Mistakes and How to Avoid Them

      data centerData center migration is a major undertaking because it often signifies that a business is expanding and improving. A successful and functional data center is a necessity for businesses. It’s important to look for a reputable IT services company to do all relevant tasks for you.

      Here are some of the most common mistakes made by non-IT professionals when working on data centers and ways to avoid them.

      Ignoring the Data

      Yes, the infrastructure of the data center relocation is important, but so are the data. Moving the data can actually be more taxing, so take proper precaution. A smart IT professional will talk to you before the relocation to detect information for items such as systems compatibility, data access, and application migration. Clear the data before the move to make the process smooth and effective.

      Incomplete Inventory

      Don’t overlook the importance of a complete inventory of every application, server, storage array, networking connection, and everything else in the data center. Check with all business leaders to make sure you have everything before starting the move.

      Planning Deficiency

      Preparing a complete and exhaustive plan about the data center relocation is important to be sure about everything. Smart project managers do risk management planning even before starting the task. Identify possible problems, assess potential disasters, and brainstorm with your IT team to determine ways to avoid them.

      Combining with Other Projects

      Sometimes, CEOs want to save on costs when moving a data center and encourage IT experts to combine the move with other projects. This, however, can be one of the biggest mistakes you ever make. Combining other projects with data center migration will make it complex and will mess up the project’s timeline. Finish moving the data center before taking on other improvement projects.

      Being lax and complacent about the data center migration may lead to devastating outcomes. Find a reliable IT company to help you get things done successfully. Invest money, time, and effort so you could prevent further losses and avoid more problems.

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      They All Make Cents: 5 Ways Rich People Think Differently

      Ways Rich People Think DifferentlyRich people think differently than the average person. That is the reality. Being wealthy has very little to do with luck, but everything to do with your habits and the way you think about life and money.

      Most people think that the richest of the rich live only to make more money. The fact is, the richest of the rich are the smartest when it comes to managing finances. It is never enough to only make more money.

      Here is how wealthy people think differently:

      The Rich are Willing to Take Risks

      Most people think about money in linear terms. They think that they either need to work overtime or get a raise to earn more. Wealthy people, on the other hand, take risks and invest their money in income properties, management rights, or any other form of business. While this may sound risky, most wealthy people have failed at least once in their search for wealth.

      The Rich Prefer Knowledge Over Education

      There is more to wealth than graduating with a diploma from a top school. Wealthy people prefer knowledge that serves a concrete goal. While education is very important, becoming knowledgeable in something more specific is something more valuable. Rich people become rich by doing something they are good at that nobody else can or has dared to do.

      The Rich Focus More on Earning, Not Saving

      The average person knows how to save, but the rich person knows how to save and earn. Saving ten percent of your monthly income is not a model for building wealth—you will never get rich that way. Focus more on boosting your earnings. Invest in something, so you can save more. Think about the long-term, and seize enduring opportunities.

      The Rich Know Better Than to Be Flashy

      Donald Trump flies around the world in private jets, but most wealthy people only seem like they are part of the middle class, because they know better than to be flashy. The reason behind it is that they do not want to spend money on something like a $10,000 purse that they would only throw away after a year. Sometimes, they splurge and buy something flashy, but they look at it as a reward for accomplishments, not as a way of life.

      Think like the rich. Being wealthy is not all about what you do, but how you think.

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      Driver Safety: Towing a Caravan

      caravanDriving on any road is subject to rules and regulations, but driving with a trailer is a different matter. If you’re an interstate traveller, you might be confused about what’s applicable in a specific state or territory. Fortunately, the government has set a standard that you can follow to drive safely anywhere within Australia.

      Towbar Capacity

      Tomstowbars.com.au suggests taking note of the exact weight you’re going to pull with your vehicle. The caravan shouldn’t exceed the capacity of your towbar. A standard towbar should only be for light trailers between 400kg to 1,600kg, while a heavy-duty towbar is for heavier items that range from 1,600kg to 2,200kg.

      Speed Limit

      If you’ve exceeded 4.5 tonnes in Gross Combination Mass (GCM), the maximum weight that an automobile could carry or tow, you should consult with your transport authorities to know the speed limits. Travelling on different roads, like steep highways and winding roads, you also need specific speed limits to avoid accidents. According to Australian Road Rules, the default speed should be 100 km/h. Although in some cases, the speed limit can depend on the length of the road.

      Rear Marking Plates

      Many accidents happen on the road due to drivers overtaking another vehicle. As you’re towing a caravan, you’re more prone to accidents if you try to drive too fast. If the overall length of your vehicle is 7.5 metres or longer, then you’re qualified to install a marking plate at the back of your caravan. It can be on the right, left, or both sides of the caravan and shouldn’t exceed more than 1.5 metres above the ground. It should be made of retro-reflective red and yellow materials. An optional “Do Not Overtake Turning Vehicle” text is also applicable.

      Apart from preparing the things you need to bring, you should have some knowledge about the necessary regulations on the road. Promote safe and secure driving by using the right tools and following rules set by the government.

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      Getting Your Child Ready For School

      school girlA girl’s first day in school can either make or break her willingness to go the next day. Fortunately, there are a number of ways you can help her adapt easily to the change in environment.


      As a parent, one of the things that you can do to make your child adapt to her new surroundings would be to tag her along as you check out the different schools. Perm-A-Pleat recommends involving your child in the process by allowing her to give you feedback on how she feels about a particular school. You might even bring her along to buy her school supplies and her school girl uniform.


      Early on, make sure that you allow your daughter to be with other kids of her age. This would help her get used to having other people around her. At this point, lay down some rules so that your child would already have an idea on what it means to follow them.


      Teaching her the basics, such as counting or reciting the alphabet, might give her an advantage. This is a great time to practice how to write her name.


      A few weeks before the start of school, make sure that you help your child adjust to her wake up time by asking her to sleep earlier. This would let her develop the habit of waking up early.


      Make sure that your daughter has something that she can hold on to should she become anxious. This could be her favorite stuff toy or a bracelet that you have made for her. Be sure you do not show any anxiety as your child can easily pick up on those.

      Your daughter’s first day in school would signal the beginning of a significant chapter in your family’s life. Be sure that you find a way to make her experience a special one.

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