8 04 19

Mortgage terms : Closed mortgage – A mortgage that cannot be repaid or prepaid, renegotiated or refinanced prior to maturity, unless stated in the agreed upon terms. Closing costs – Costs that are in addition to the purchase price of a property and which must be paid on the closing date. Examples include legal fees, land transfer taxes, and disbursements. Debt service ratio – The percentage of the borrower’s income used for monthly payments of principal, interest, taxes, heating costs, condo fees (if applicable) and debts. GDS is gross debt service – how much you spend on Principal, Interest, Taxes and Heating. TDS is total debt service – GDS plus all other debt payment obligations. Default – A homeowner is ‘in default’ when he or she breaks the terms of a mortgage agreement, usually by not making required mortgage payments or by not making payments on time. Down payment – The money that you pay up-front for a house. Down payments typically range from 5%-20% of the total value of the home, but can be anything above 5%, if you qualify. Early Discharge Penalty – A penalty you may pay your lending institution for breaking the mortgage contract early. This is usually 3 months interest or the Interest Rate Differential (IRD), whichever is larger. See below for IRD.

Paying attention to your money is extremely valuable. Here are a few advices regarding finance terms. Subprime credit cards are one of the worst credit card products. These credit cards are geared toward applicants who have a bad credit history and these cards typically have high interest rates and fees. While approval is often quick, even for those with bad credit, the terms are often confusing. The Federal government has made rules regarding the amount of fees subprime credit card issuers can charge, but the card issuers often look for loopholes and ways to skirt these rules. Despite the unattractiveness of subprime credit cards, some consumers continue to apply for the cards because they cannot get credit elsewhere. This is a situation where you have to proceed at your own risk.

What Is a Payday Loan? A payday loan is a type of short-term borrowing where a lender will extend high interest credit based on a borrower’s income and credit profile. A payday loan’s principal is typically a portion of a borrower’s next paycheck. These loans charge high interest rates for short-term immediate credit. These loans are also called cash advance loans or check advance loans. More financial calculators at Mortgage interest calculator.

Terms: A working capital loan is one taken to finance the everyday operations of a company. Organizations in industries that have high seasonality or cyclical sales cycles often rely on this type of loan to help tide them over during periods of reduced business activity.

Guarantee : A guarantee is a non-cancellable indemnity bond, backed by an insurer. It offers investors security that an investment will be repaid. A limited guarantee is when the amount the guarantor is responsible for is limited to a set sum or time frame. A non limited guarantee is when the guarantor is obligated to repay all amounts due. More financial info on Second mortgage.

Cash on Hand, Money in the Bank: Another thing most news reports look at is how companies manage their money – specifically, how much they have in free cash flow, total debt, and what assets they have available in cash equivalents, such as short-term government bonds that they can sell to settle debts. In Hemlock Inc.’s announcement, free cash flow is increasing, meaning that after all expenses have been laid out in order to maintain the business’ continuing operations, the amount of cash it has on hand is growing. On Hemlock’s balance sheet, the company shows cash and cash equivalents of $128 million, which can be converted into cash if required, especially in the event that their total debt increases and/or income takes a hit.

Mortgage broker – A company or individual that finds mortgage financing for individuals and companies whether for purchase, refinance, lender switches, etc. A broker does not actually lend money but seeks out a lender and arranges the mortgage terms. More on Subprime mortgage. High ratio mortgage – A mortgage where the borrower is contributing less than 20% of the value of the property as the down payment. The borrower may have to pay a mortgage default insurance premium such as CMHC insurance, usually tacked onto the mortgage amount.

8 04 19

Searching for a hot-sppot provider in Germany ? Here are some info on what to need from your HotSpot provider and also some technical details.

Is hotspot a WiFi? A hotspot is a physical location where people may obtain Internet access, typically using Wi-Fi technology, via a wireless local area network (WLAN) using a router connected to an internet service provider. Public hotspots may be created by a business for use by customers, such as coffee shops or hotels.

What is the range of mobile hotspot? Such an access point (or hotspot) has a range of about 20 meters (66 feet) indoors and a greater range outdoors. 802.11g offers wireless transmission over distances of 150 feet and speeds up to 54Mbps compared with the 11Mbps of the 802.11b standard.

For our german guests :

Offentlicher Internetzugang gehort heute zum guten Ton, wenn man jedoch die Internet-Vernetzung international betrachtet fallt auf, dass Deutschland durch die umstrittene Storerhaftung den Anschluss an andere Lander langst verloren hat. So besteht fur den Anbieter das mogliche Risiko bei missbrauchlicher Nutzung seines Anschlusses zur Verantwortung gezogen zu werden. Ein signifikanter Nachteil fur Sie und Ihre Gaste. Um Sie vor drohenden Abmahnungen und Strafen, die Sie nicht selbst verschuldet haben, zu schutzen, wurde die cleanWeb-Box entwickelt. Lesen Sie mehr uber HotSpot support.

As the operator of a public Internet access, the connection owner for the infringement of copyright infringements remains liable. This is confirmed by numerous incoming requests for our solution. Cease-and-desist statements in the lower to middle three-digit range are the result of file sharing and movie streaming by guests, the callers report. Protection provides content filtering and various port locks. Both are provided by our HotSpot solution happyspot.de . If it is already too late, only the way to the lawyer and the hedge against further violations helps. We check your request and make your connection safe.

Our specialization lies in the IT support of small and medium-sized businesses in the vicinity of: Biberach, Riedlingen, Ochsenhausen, Bad Waldsee, Ulm and Laupheim. Outsourcing the IT of smaller companies of 2-15 employees means that the entire IT operation is no longer realized by its own servers, but that these services are provided on highly favorable terms and conditions. As a result, owners and decision-makers can eliminate high IT investment costs from their budgets and thus remain liquid at all times. As an established IT partner in the district of Biberach, we know about the concerns and fears of our customers, so we deliver and operate our servers exclusively from and in German data centers.

Cloud jobs: Mobile work with your own applications, Microsoft Exchange mailbox, and the whole Office palette? – Here comes the solution for companies that no longer want to put servers in the office. Book and scale your cloud server in the German data center as needed. The low maintenance service allows you to eliminate the issues of IT security and IT backup from your tasks.

Company Contact Info:
W-lan Hot-Spot
Am Bahndamm 13
88422 Bad Buchau
Telefon: 07582637-469
Telefax: 07582637-475
E-Mail: m.winkler@myweb-it.de