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Merangz - And The Passion Fruitz
Innovative and award winning bakers Merangz are launching an exotic new addition to their range of stunning giant Swiss meringues - refreshing and luxurious Passion Fruit. Their giant - and bite sized - meringues now have a longer shelf life too.
The icing on the meringue
Unique, luxurious, ambient and versatile, Merangz are perfect for retail and foodservice. The best friend of time pressed cooks, caterers and chefs, they can be crushed, sprinkled or drizzled with fruit, compotes, cream or a thick caramelly Dulce de leche to create stunning desserts - with minimal effort. They can also be served simply - just as they are.
For foodservice, Merangz giants are available in boxes of 18 of an individual flavour, and bites in a mixed box of 80. For retail, giants are available in twin packs - with eight in a box, and bites 14 packs per box. They now have an even longer shelf life too - giants, 10 weeks and bites, 24 weeks.
Gluten Free - naturally!
Naturally Gluten Free and low in fat, Merangz are the perfect dessert choice for those with a gluten intolerance - or those simply avoiding gluten for a healthier lifestyle. They are made with only the finest ingredients and natural flavours. Every meringue is lovingly made with top quality, hand separated free range egg whites and slow baked to a traditional Swiss recipe.
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Merangz are available in store at Selfridges as well as garden centres, farm shops and delis throughout the UK. They are also available online on Ocado - www.ocado.com - and www.merangz.co.uk

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text: Warning: Illegal string offset 'name' in [path]/includes/functions.php on line 6570 View Profile: cobraseven - VampYrezKave Forums Register Help Remember Me? Members Home Forum Today's Posts FAQ Calendar Arcade Community Groups Albums Member List Forum Actions Mark Forums Read Quick Links View Site Leaders Market Blogs What's New? Videopimp Releases IRC Help Torrent Help Arcade Advanced Search Member List cobraseven If this is your first visit, be sure to check out the FAQ by clicking the link above. You may have to register before you can post: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. cobraseven Poster Gone Wild Home Page Find latest posts Find latest started threads View Articles View Blog Entries Mini Statistics Join Date 09-04-2006 Last Activity 11-24-2012 09:59 PM Points 43.72 Blog Entries 0 Avatar 0 Groups You are not a member of any groups Join Groups 1 Permission Groups Registed Forum User Recent Visitors The last 2 visitor(s) to this page were: bensta, dangtan291990 This page has had 2,107 visits Tab Content About Me About cobraseven Basic Information Date of Birth September 5, 1986 (34) About cobraseven Location: Indonesia Interests: Music Occupation: Student Favorite Band: amon amarth Signature sorry for my bad english Contact This Page http://forums.vampyrezkave.com/member.php?6243-cobraseven&s=ef670137088a7fb270508aaab8106521 Instant Messaging Send an Instant Message to cobraseven Using... Yahoo! email@example.com Statistics Total Posts Total Posts 85 Posts Per Day 0.02 Total Thanks Total Thanks 0 Thanked 0 Times in 0 Posts General Information Last Activity 11-24-2012 09:59 PM Join Date 09-04-2006 Referrals 0 Follow us on the go! -- vB4 Default Style-- BlueHaze-- BlueHaze-Fixed-- DarkChrome VideoPimp Archive Top All times are GMT -6. The time now is 03:09 PM. Powered by vBulletin® Version 4.1.10 Copyright © 2020 vBulletin Solutions, Inc. All rights reserved. Copyright ©VampYrezKave.com 2000-2010 / Videopimp 2001-2010


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1929 Mount Hope Toll Bridge opened connecting Bristol and Portsmouth.
1931 Warwick incorporated as a city.
State Airport at Hillsgrove dedicated (After re-construction re-opened in 1936).
1933 Rhode Island voters approve repeal of Prohibition Amendment.
1934 Horse-racing and para-mutual betting legalized. Narragansett Park opens.
September: National Guard called out for strike duty in Saylesville.
1936 State population, 680,712.
Rhode Island observes 300th anniversary of its founding and settlement.
1938 Great Hurricane of 1938 devastates South County


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Here is a thank you tag that I made one of my customers for their order this month.
Stamp Set: Petite Petals, Express Yourself (Hostess)
Card: Whisper White, Pool Party, Crisp Cantaloupe, Baked Brown Sugar
Ink: Pool Party, Crisp Cantaloupe, Baked Brown Sugar
Other: Big Shot, Banner Framelits, Sweet Sorbet Accessory Kit (SAB), Basic Jewels, Petite Petals Punch, Star Punch (non SU)
Have a great weekend.
Friday, 11 April 2014
Banner Framelits and Petite Petals Thank You Tag
Posted by Unknown at 13:44
Labels: Banner Framelit Dies , Pretty Petites
1 comment :
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Honeysuckle is a luscious, winter floral fragrance that gently unfolds with the subtle citrus of mandarin and lemon, enhanced by succulent winter berries. As you warm honeysuckle your home will be filled with floral notes of frosted honeysuckle, jasmine and elderflower while on a sensual base of sandalwood, amber, vanilla and musk.
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In case any comes across this thread.
It looks like I have resolved this by deleting as many unused plug-ins as possible. It had nothing to do with external applications.
It seems the wild west of plug ins being forgotten and with unstable builds with newer versions of FCPX will always be there.
Read More...
Thanks so much.
Yeah, think it's time for some house cleaning. Will get FCPX to its most vanilla state, good practice anyway.
Appreciate the info.
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Great reply Joema.
Also been wondering if a plug-in might be causing this. Do you know if CoreMelt, CrumplePop, Dashwood or Pixels Film Studios can cause these issues.
I assume they all open with FCP and run services in the background. Going to remove as much as I can, don't ever get notifications to update 3rd party plug-ins would have been great to have that feature.
Will also look at re-installing Catalina... will probably be awhile before moving over to Big Sur to make sure FCPX is happy on the new Mac OS.
Read More...
Hi so not finding any love from the Apple forums.
I have this issue when I render the timeline I am getting loads of green artefacts, FCPX crashing, iMac crashed 4 times now... I have deleted the preferences several times, done a safe boot to sort out any other system issues, re-installed FCPX but it still persists. Really irritating. I can pull the XML in Resolve but sadly not all the info translates like the colour corrections and grade.
Does anyone know how FCPX renders the footage, creating the "temporary" media? I have followed the same work flow for many years with no issues. This happens on different kinds of media including FCP generated titles etc. I know it is the render that's an issue, when I slightly change a clip to remove the render and re-render that render if fine.
Wish I had more control over this?
Read More...
It might be worth trying Bootcamp and use Windows. I am on Mac OS everywhere but have Windows installed for any small bits I need now and again.
Once your footage is digitized you can step back into Mac OS, it's just a re-boot.
Read More...
Hi there. This is Premier Pro, I'm looking at FCPX, thanks.
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Thanks, yes I was thinking of that but they do actually fore fill a function so was really hoping to keep markers as markers.
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Hi there.
So I prefer FCPX by far for my edits but I also cut in Avid and Premier when I need to on different projects. What I do miss from Avid thou is having the option of having different colours for your markers making it very easy for me to identify different sections in an interview etc.
I know I can mark clips as Favourites or Rejected and label each marker and use the index to find all these but often in a long interview where the person rambles and jumps between topics I would like to mark the sections that deal with a certain topic in a yellow marker which I can instantly pick-up on when I return to the older timeline.
Does anyone know of a plug-in that could do this in FCPX?
Many thanks.
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Thanks all. Appreciate the info.
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Thanks. I was hoping to have some kind of way to see absolute timecode not linked to clip. I cut in both Avid and Premier but way prefer FCPX by far but it's just a pity that the option does not exist.
Read More...
Hi there
So with sequences it's really easy to change the parameters but I don't see the same modify button with the source clips I have. I have gone through all the options in the inspector and the meta data options and I can de-interlace etc but not change the source timecode.
I need to do this from a MotionVFX template I am using and trying to time the compound clips to work with the templates duration. At the moment it's trial by error situation and is very time consuming.
I would also like to stay in FCP X with the project already having quite a lot of work done on it.
Any ideas, your help would be appreciated.
Read More...
Hi there.
I have not updated my Coremelt products in forever but for the life of me I can't find which version I have installed in FCPX so I can compare with the latest products on the Coremelt website.
Does anyone know to easily see which version you have installed?
Read More...
Wow, thank you for the great reply! Will follow this process and watch the video.
Appreciate the help.
Read More...
Hi there.
Thanks for this, I was hoping it would do that but it seems to copy them across. I have the same issue with my camera's MXF files and leave in place when importing, copies and doubles up on the media - sigh. But will give it a bash, will definitely look into FCP Library Manager.
Read More...


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Many people would love to learn an instrument like guitar. However, many of these same people never bother trying. You can learn some helpful tips by reading this article. These tips can help you learn guitar as quickly as possible.
Learn the fundamentals of playing a guitar. In order to play those involved pieces, you must first learn about the basics. You should learn the foundations of guitar playing before trying to play a favorite song of yours immediately. Learn the finger positions for the chords. You must always take time to practice scales and chords. Be sure you're able to do these things easily before you move on to advanced stuff.
Look to see if there are guitar teachers near you. It can be better to have someone watch you playing a guitar, even though you can learn on your own. A teacher that's good will tell you how to improve your style and do other things to play better. It also gives you someone to asks questions when you take lessons.
It may seem obvious, but buy a guitar. If you are always borrowing one, it'll make it tough to practice often. You should know you need to keep a guitar tuned so that when you play it it'll sound right because things are tuned right.
Learn to recognize musical notation and the guitar tabs. Musical theory helps you understand the scales and how the different chords work. Spend time learning each string's note name, and also the note names for every fret. Such knowledge is really beneficial when the time comes to play riffs or melodies.
Enjoy yourself while you are practicing your guitar. Remember that you have chosen to learn to play. It should not be a source of stress or anxiety. When you have that attitude, you may develop such a strong dislike to it that you may think about quitting. Play and practice the pieces that are of interest to you.
Get a good instrument to learn to play on. You may be able to borrow or rent a guitar if you are unable to purchase one for an affordable price. Using a high quality guitar will ensure you get the best possible sound while you develop your ability.
Before you get calluses on your fingers, you are sure to feel some soreness. Electric guitars have softer strings and are easier to play if you are worried about this. Acoustic, steel-string guitars are often the most painful for beginners. Although you can soak your fingers in rubbing alcohol, never use turpentine or other harmful substances.
A metronome should be used. For novice guitar players, keeping time can be a big problem. A metronome will ensure that you're keeping proper time. When you practice often, you should be able to keep the beat without using this device.
With the advice you have gotten here, learning guitar is at your fingertips. Though you may not be an expert yet, you do have enough knowledge to give it a go. Use the tips above to keep you on the right track so you can play as much guitar as you want.


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Eight Indian dance teams from across the country brought the D.A.R. Constitution Hall stage to life Saturday night at the Bhangra Blowout competition hosted by GW's South Asian Society.
This year marked the 17th anniversary of the competition, which has grown to be one of the largest intercollegiate Bhangra competitions in the country. Bhangra is a lively traditional Indian dance that originates from the Punjab region of India.
"This year we also had many more people," sophomore Shaun Vaid said. "The orchestra seating was filled more than at Bhangra Blowout 16."
Bhangra Blowout partnered with Saavn Mobil – which, according to its website, is the largest distributor of Bollywood media – to allow audience members to vote for their favorite competing Bhangra Blowout team and exhibition act using their cell phones. Each team was assigned a special code and during the competition, the performing team's code was flashed up on a screen.
Virginia Commonwealth University came in first for the third year in a row and brought home a check for $4,000. University of Virginia won $2,500 for its second place finish. Drexel University won the "Best Dressed" title and third place overall, taking home $1,000.
"I really liked UVA," Vaid said. "Their performance was much more modern. They didn't win, but it was still entertaining."
The GW Bhangra team did not compete but, as the host, performed an exhibition number. Other exhibition performances included DCBC, an independent, all-girls Bhangra team from the D.C. Metro area, D.C. Metropolitan Punjabi Arts Academy and Capital Funk.
Competitors included teams from Virginia Commonwealth University, New York University, Rutgers University, Drexel University, Cornell University, University of Michigan, University of Virginia, and University of Rochester.
The Bhangra Blowout competition raised money for two charities: Nanubhai Education Foundation, an initiative to provide education to India's rural public high schools, and Sikhcess, a worldwide community service-based organization that creates public service opportunities with the goal of enhancing quality of life for all humankind.
The performers bounced to the rhythmic beats of the songs and used dance props such as the saap, a wooden instrument snapped together with both hands, and the chimta, an instrument that claps together with bells to create a jingling sound.
A special performance by Rhythm Dhol Bass, Nindy Kaur and Mitch Hyare created a remarkable sensation on stage. This performance led people to dance in the aisles. The performers – who have performed with Snoop Dogg – blended Western genres with traditional Punjabi beats and vocals.
Last year the Student Association Finance Committee denied the organization's request for funding and left it to scramble last-minute for contributions from various corporate sponsors. This year, the SA cosponsored the event.
This article appeared in the April 19, 2010 issue of the Hatchet.


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ChiaChieh Tang 唐家婕, who also goes by Jane, is a Taiwanese reporter who works as the U.S. bureau chief for Sina News (新浪新闻 xīnlàng xīnwén) in Washington, D.C. She is one of a few members of the mainland Chinese media who regularly attend the White House's daily press briefings.
In this podcast, Jeremy and Kaiser ask about her experiences attending the infamous Sean Spicer press sessions, being a Taiwanese person working for a mainland media company, and her observations of Chinese reactions to the Trump administration. Jane gives insight into how Chinese media coverage of Trump changed after he took office, what it was like to interview the president's in-house China basher Peter Navarro, and that time she hopped in a cab with a pair of "Bernie bros."
Jeremy: The Málà Project (麻辣计划 málà jìhuà), a restaurant in New York that serves wonderfully spicy Sichuanese "dry pot" dishes. Also, a (sadly now defunct) Twitter account called burnedyourtweet, which, while active, posted a video of a robot printing out and burning every one of Donald Trump's tweets.
Jane: Granny and the Boys, a band in Washington, D.C., that frequently performs at the Showtime dive bar in the Shaw district. Its style of funk fusion is no less remarkable than the fact that the band is made up of an 84-year-old grandma and four middle-aged men. Click here to read about and listen to the band on NPR (true to grandma form, this band rolls without a website of its own).
Kaiser: The Handmaid's Tale, an updated but faithful TV adaptation of Margaret Atwood's classic book about a totalitarian theocracy in America.


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MyndYou developed the first cognitive-driven, AI-based triaging and case management solution that bridges the gaps of care by empowering healthcare practitioners and providers to remotely engage and intervene with high-risk patients in their homes and communities, at the right time. With roots in complexity science and neuroscience, MyndYou utilizes its unique Cognitive Complexity Analysis using voice and daily-activity data to detect subtle changes in functioning that activate care adjustments and timely interventions to improve patient engagement, health outcomes, and quality of life.
© 2013 - 2020 Allscripts Healthcare Solutions, Inc. All rights reserved.


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3 Strong Reasons Companies Should Care About Employee Health
Health-related issues cost the U.S. economy a whopping $576 billion a year (according to the Integrated Benefits Institute). When you add to that the productive hours lost to poor health among employees, then this becomes something to really care about.
As an organization, turning a blind eye to employee health will eventually hurt your bottom-line. In fact, employee wellbeing should be top of mind in your overall business success strategy.
Here are 3 Reasons to Take Your Employee Wellbeing Much More Seriously:
#1: Improved Productivity
Research done by the Health Enhancement Research Organization showed that absenteeism was 27% lower for employees who maintained healthy eating patterns and exercised regularly, and 11% performed better than their unhealthy peers.
Supporting employees by bringing in wellness coaches, introducing fitness programs, or even getting them off-site gym memberships can really turn things around in your favor.
#2: Increased Mental Discipline
Discipline is critical to personal and organizational success – hence employees who are health conscious and engage in regular exercise form healthy habits that not only keep them in good shape but also translate to a good work ethic brought on by a disciplined, balanced mind.
The resultant positive mental attitude to everyday office hassle is a big plus for employers. Organizations should encourage eating healthy in the workplace and exercising regularly to keep mentally and physically fit.
#3: Reduced Health Cost
Healthy employees mean less health coverage premiums for your organization. It also ensures employees spend less on health insurance and less time in the sick bed, leading to a happier employee and a better performing company.
Organizations that are big on employee wellbeing reap the results in several ways, even beyond the benefits highlighted above.
Our company, Function 4 Life, specializes in keeping professionals balanced through myofascial techniques and treatments. Each team member has had their own life-changing experiences with the benefits provided by Fascial Stretch Therapy and myofascial release, and now it's your employee's turn to feel the level of comfort they deserve. It's their turn to maximize their function for life, right here: www.function4life.com.


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Chase Gouin's Ride UK interview was the most involved BMX interview I've ever done. The irony is we shot all the photos for it in about two hours at a Metro Jam in Toronto, Canada. The interview took much, much longer. Chase is pretty meticulous, a bit obsessive, and also one of the most important bike riders of all time. The effort was worth it.
I have a design background, so most of the time when I'm shooting I think from a designers standpoint, about layout, typography, etc. I had the vision of an opener, text at the bottom, title in the top right, when I shot this, and that's pretty much what happened when I sent the shots to the magazine, without me even suggesting it. I reposted the whole interview on my site last year if you're interested. [link]
19 responses to "Jared Souney Autophoto"
#'s 5, 10, 11, 12, and 25 are amazing!
number 20 rings true with me on so many levels.
makes me miss the winter already.
That number 27 billboard is on highway 90 right when you come into Minnesota from Wisconsin! lol I laugh every time I see it. So funny to see this photo.
use to live about 20 minutes from photo 26 place is real sketchy right out side of Pittsburgh pa i think the exact town is dormont but could be wrong
Really awesome stuff here, loved every one of them.
Rad!! I really like 25.
I would put #12 in my house.
#24…girlfriend? I always figured he was gay.
13 Allistair looks like he is in for trouble. haha. Indoor drunken sledding
So good. Really really stoked on this.
Wow, Jared… It's fair to say that looking over your photos is always a treat – shit ton of feeling, amazing amazing amazing.
thanks for letting defgrip show these off.
5,17,20 really stood out for me. Great Photo's Jared.
the climax strip club thats awsome long since shut down
quality stuff with a wide range of selection! one of the best autophotos for sure.
That number 27 billboard is on highway 90 right when you come into Minnesota from Wisconsin! lol I laugh every time I see it. So funny to see this photo.
Amazing series!!!!
question: is #25 a candid hip shot or not? either way, super good.
thanks for this one! its gotten me super stoked to shoot
This is true for investment advice as effectively.


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Category: FHA Mortgage Requirements
Property Requirements For Fha Loan
Minimum Fico For Mortgage With a FICO score from 500 to 579, you can qualify for an FHA loan for 90 percent of the home's value. You must put a minimum of 10 percent down from your own savings, government grants or gifts. You must put a minimum of 10 percent down from your own savings, government grants or gifts.Fha Loans With Bad Credit With that said, not all FHA loans for bad credit are approved. Here are some of the main factors that underwriters look at when considering an approval on a low credit fha loan (and all FHA loans for that matter): key points – FHA Loan Requirements. Credit score – the underwriter will use the middle credit score for a qualifying score.
FHA property requirements – FHA loans require that the home being purchased meets certain conditions and is appraised by an FHA-approved appraiser. Fha Poor Credit Home Loans Talk to our specialists about FHA, or bad credit home loans. Gov Home Loans can help GovHomeLoans is a Denver, CO based provider of mortgages & FHA refinancing for.
When Applying For A Home Loan What Is Required Fha loan michigan requirements fha loan limits are set and adjusted each year to reflect the change in average U.S. home prices. In 2019, the FHA loan limits for a single-family home in Michigan range from $314,827 to $316,250, depending on the county. Michigan FHA Loan Limits by CountyWhen applying for a home loan, it pays to be prepared! Canstar goes through all the documents required for a home loan to help ease you into.
HUD doesn't usually have income requirements for FHA loans. However, you do need to provide information to show you have enough income to carry your current monthly debts and other obligations, and to cover the monthly payment and insurance premium of the home loan you're applying for.
What are the property requirements for an FHA loan? There are standards listed in the FHA loan handbook, HUD 4000.1, that all buyers should know. The ability to purchase a home with an FHA mortgage is determined by your credit rating, debt to income ratio, employment, and related factors.
For a Federal Housing Administration (FHA) loan to be approved, the home must pass an FHA inspection and appraisal. That means it must be worth the purchase price and have such basics as electricity, drinkable water, adequate heat, a stable roof, fire exits and more. This guide will provide an FHA.
First, the home appraisal is ordered by the mortgage lender. Next, the appraiser will perform a basic inspection on the property to make sure it meets the HUD property standards for FHA loans. In order for real estate to be classified as FHA approved it must pass the FHA property guidelines set by HUD. The FHA Appraisal Process. Inspect the property's interior and exterior structure and quality
FHA loan limit – FHA home loans have maximum mortgage limits that vary by state and county. FHA down payment – FHA loan guidelines require a minimum down payment of 3.5 percent. fha property requirements – FHA loans require that the home being purchased meets certain conditions and is appraised by an FHA-approved appraiser.
What Are the Property Requirements for FHA Loans? Safety – Ultimately, the FHA wants to ensure a property that is safe and habitable. Security – The fha insures home loans, which means that if the loan defaults and. Soundness – The structural and foundation conditions must be in satisfactory.
Requirements To Get Approved For A Home Loan Income Required For Mortgage Calculator . Calculate your payment and more. What income is required to qualify for a mortgage? That largely depends on the monthly debt payments and the current.
How Can I Qualify For An Fha Loan
Home buyers can also piggyback a Title 1 loan onto their purchase. homes or fancy upgrades like pools and outdoor fireplaces. How to find an FHA Title 1 loan lender You'll apply with a mortgage.
FHA currently has 4.8 million insured single family mortgages and 13,000 insured multifamily projects in its portfolio. Note that the FHA has maximum mortgage limits based on the place you live. To find out how much house you can buy with an FHA loan use LendingTree's fha loan limit tool.
Fha Buying Guidelines Bad Credit Home Loans San Antonio Find bad credit home loan options in San Antonio, Illinois. Check eligible areas for San Antonio, IL bad credit homebuyer programs. Free grant money is available in San Antonio, IL. Have bad credit mortgage questions call now.FHA Appraisal Guidelines and Requirements. BY The Lenders Network. 4 minute read. What FHA Appraisers look at. When buying a home using an FHA loan, you will be required to get an FHA appraisal. First, the home appraisal is ordered by the mortgage lender. Next, the appraiser will perform a.
FHA loans are the easiest type of real estate mortgage loan to qualify for. The FHA loan requirement guidelines for loan qualification are the most flexible of all mortgage loans that require less than 5% down payment. Basic FHA Loan Requirements for 2015. Two Years of steady employment, preferably with same employer.
Speak to FHA approved lenders. faq Who can qualify for an fha loan? fha loans are popular because they are one of the easiest types of home loans to qualify for. If you have a credit score of 500-579 you may qualify with 10% down. If you have at least a 580 credit score the required down payment is 3.5%.
How Do I Know If I Qualify For An FHA Mortgage? How do you know if you qualify for an FHA mortgage? There are several minimum requirements you should know, but keep in mind that we are not discussing an individual lender's standards (which will vary depending on the lender) but the FHA single family home loan program's basic rules.
Fha Loan Low Credit Score · FHA mortgage rates. fha mortgage rates are typically lower than mortgage rates on conforming loans. FHA Borrowers with credit scores of 660 will often qualify for the same interest rate as would conventional borrowers with a score of 740, says Blair-Gamblian.
How to Get an FHA Loan – Applying for a Loan Make sure you qualify for an FHA loan. Meet with an FHA-approved mortgage lender or broker in your area. Save money for a down payment. Supply necessary documents. Complete a loan application. Have the property appraised. Complete the FHA loan.
With an FHA loan your credit score can be as low as 580 to qualify with a 3.5% down payment requirement. If your credit score is between 500.
Use our FHA Mortgage Qualification Calculator to determine what size FHA mortgage you qualify for and what price home you can afford to buy based on your monthly gross income, debt payments and other factors including your down payment, loan term and mortgage rate.
Who it's best for Low- to moderate-income borrowers who can't qualify for a conventional loan product or anyone who cannot afford a significant down payment. FHA loans allow a FICO score as low as 500.
Who Has Fha Loans
An FHA loan is a mortgage that's insured by the Federal Housing Administration (FHA). They are popular especially among first time home buyers because they allow down payments of 3.5% for credit scores of 580+.
teaming with the Department of Justice to pursue legal action against lenders who committed underwriting errors in their handling of FHA loans. And while the current administration has publicly stated.
An FHA loan is a home loan that the U.S. Federal Housing Administration (FHA) guarantees. Private lenders like banks and credit unions issue the loans, and the FHA provides backing: If you don't repay your loan, the FHA will pay the lender instead.
borrowers flocked back to the FHA. The agency does not make loans. It insures qualified lenders against losses if borrowers default. Since its creation in 1934, it has collected fees from its.
Weigh these benefits and costs to figure out if an FHA loan is the right choice for you.
Qualifying Credit Score For Fha Loan Insured by the Federal Housing Administration (FHA), FHA-loans require lower minimum credit scores and down payments than many conventional. affecting the potential buyers ability to qualify for a.
October 12, 2019 – FHA cash-out refinance loans are specifically designed to give cash back to the borrower at closing time once the original mortgage has been paid in full and other loan expenses are accounted for.
An FHA loan is a mortgage insured by the Federal Housing Administration from the U.S. Department of Housing and Urban Development.
Article FHA Loan Credit Score Requirements for 2019. A credit score for an FHA loan must be at least 500. To qualify for the lowest down payment, it will need to be 580 or higher.
FHA 203k Loan Requirements 2019 Many home buyers want to purchase a fixer-upper and have the money for a down payment, but lack the funds needed to also make the repairs or improvements needed to complete the project. The FHA 203k loan is a unique mortgage program that can help you to accomplish this goal.
We have been tracking that," said Noel Bennett, branch manager, Premier Mortgage Group in Boulder. The change works for people with lower credit scores and higher debt-to-income ratios, he said. For.
Required Down Payment For Fha Loan Conventional loans are typically thought of as requiring 20 percent or more of the purchase price for a down payment. However, for the right borrowers with the right mix of credit, debt and income.Fha Mortgage Applications How Much Can I Qualify For Fha Loan FHA criteria for this figure is much more liberal than conventional home loans. generally, you can put between 31 and 43 percent of your income toward your debts, including housing, to qualify for.Uniform Residential Loan Application Freddie Mac Form 65 7/05 (rev.6 /09) page 1 of 8 Fannie Mae Form 1003 7/05 (rev.6/09) Uniform Residential Loan Application _____ This application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants shouldCredit Requirements For Mortgage Loan What Types of Mortgage Loans Can You Get With Bad Credit. Each one is designed with a different borrower in mind and has different credit score requirements. beeston says borrowers with FICO scores.
DS News and Altisource present a deep dive into the topic of modeling and servicing FHA loans, featuring insights from subject. after the Treasury Department has released its plan to reform the.
What Do I Need To Qualify For An Fha Loan
Fha Fico Requirements FHA Credit Requirements One of the great benefits of an FHA loan is the ability for borrowers with poor credit to still have an opportunity to qualify for a mortgage and buy their dream home. The flexible credit score minimums combined with the low-down payment requirements are why FHA loans are so common today.Credit Score For Fha Loan Approval In order for the FHA to insure a mortgage loan the borrower must have at least a 500 credit score with a 10% down payment. However, getting approved for an FHA home loan with a credit score in the 500-579 range is very difficult, even with 10% or more down.
Do You Qualify for an FHA Loan? FHA loans are the easiest type of real estate mortgage loan to qualify for. The FHA guidelines for loan qualification are the most flexible of all mortgage loans and require less than 5% down payment.
Caps are in place to prevent the mortgage rate and payments from rising too fast. Perhaps most importantly, lenders no longer qualify borrowers on the. what it could look like if they do stay after.
Fha Credit Score Requirements VA home loans require no minimum credit score, FHA minimums range from 500 to 580, USDA loans have a FICO floor of 640, and conforming loans require a minimum credit score of 620.
How to interpret the results. Most lenders require borrowers to keep housing costs to 28% or less of their pretax income. Your total debt payments (including housing costs) can't usually be more than 36% of your pretax income. Some mortgage programs – FHA, for example – qualify borrowers with housing costs up to 31% of their pretax income,
Using the Mortgage Income Calculator Loan information. Begin by entering the desired loan amount, expected mortgage rate and length of the loan in the spaces provided. As you do, you'll notice that the required income and a calculation of the monthly mortgage payment immediately appear in the blue box at the top of the calculator.
Fha Loan Requirements Down Payment Requirements For Loans Conventional loans are a great option for today's homebuyer. They offer great rates and low fees. Down payment requirements are as low as 3%, and the private mortgage insurance (pmi) is cancelable when home equity reaches 20%. Click here to check today's conventional loan rates.HUD Handbook 4000.1 outlines the acceptable down payment sources for fha loans. borrowers who use this program to buy a house can only use funds from an approved source. Down payment funds may come from savings, cash saved at home, investments, and more. Keep reading below for a closer look at these FHA loan requirements.Best Fha Lenders 4 tips to find the best FHA lender. If you're eager to get into a home but are having trouble qualifying for a conventional mortgage, the following tips can help you find the right FHA lender. 1.
Mortgage companies use your credit score as. and a lender will be able to advise what the best action plan is for you if you need to do some further work on your credit or debt to qualify for a.
Do I have enough appraised. value ratio and the interest rates you qualify for. If you don't have an optimal loan-to-value ratio, you may want to increase your equity before refinancing. 3. What.
To do this, the calculator takes into account your mortgage rate, down payment, length of the loan, closing costs, property taxes, homeowners' insurance, points you want to pay and more. Or, if you don't want to go into that much detail, you can omit some of those to get a ballpark figure for the loan you're considering.
Here Is What You Need to Qualify for an FHA Loan It's important to realize that the FHA does not lend money directly to borrowers. To apply for one of these loans, you will need to submit an application through a regular mortgage lender, just like with any other type of mortgage.
Fha Loan In Texas
5, 2019 /PRNewswire/ — The Texas-based residential mortgage law firm polunsky Beitel Green. concerning veterans administration (va), Federal Housing Administration (FHA) and Government-Sponsored.
Read: After mortgage-rate spike, FHA to cut insurance premium Congressional Republicans had largely opposed the cut. House Financial Services Chair Jeb Hensarling of Texas issued a statement saying,
Fha Mortgage Applications How To Get Pre Qualified For Fha Loan Are you having trouble getting approved. mortgage market have made them extra cautious. Greg Cook, a licensed California real estate broker, and mortgage banker, says that it used to be easy for.You can get approved for an fha mortgage loan with a 500-579 credit score with 10% down. However, it is very difficult to process a loan application with a credit score in this range. If you have at least a 580 credit score, it is easier to qualify for an FHA mortgage. FHA advantages. 580 fico score requirement
The FHA loan limits for Texas were increased from 2017 to 2018. At least in most counties. The table below shows the current (2018) FHA loan limits for all 254 counties in Texas. The maximum mortgage amount for most of the state is $294,515, for a single-family home purchase. Higher limits are allowed in areas [.]
FHA Loan Credit Requirements. The FHA requirements for credit refer to a few areas of your credit report which are evaluated to determine the likelihood of having the ability and willingness to repay your FHA loan. They are related to credit scores, credit depth (trade-lines), derogatory marks, and recent bankruptcies or foreclosures.
The significant percentage of FHA loans in Texas can be attributed not only to the state's large population but also to property values in the state falling within fha loan limits. home prices across the U.S. rose in the past year, on average, by 4.8%, and Texas was no exception.
Best Fha Loan FHA Loan Limits. You can take out FHA loans only up to certain limits, determined by median local home values in your county. Most locations fall under the standard FHA limits, but there are places that are considered high cost, and have higher limits. There are even places in several very high cost areas, with a special exception FHA loan limit.
Since its inception in 1934, FHA insured more than 34 million properties in the entire United States. The FHA loan requirements are applicable to both purchase and refinance transactions. FHA Loan Requirements Texas . There are different types of FHA loans: 203b loan – Texas Fha Loan Requirements; The most commonly used to purchase a home.
Texas FHA Loan. FHA loan mortgage lending limits in TEXAS vary based on the different housing types and the costs of local Texas housing. FHA home loans are designed for borrowers who are unable to make large down payments. FHA loans are also typically an attractive option for first-time home buyers.
Based out of Scottsdale, Arizona, with branches operating in Texas and Colorado. EnTrust Funding offers an array of loans, including the standard conventional, jumbo, FHA, VA and reverse mortgages.
Applicable only for Conforming FHA Loans (Program code: FF30), purchase transactions only. it a total of $400 million in warehouse commitments, that also includes Texas Capital Bank and People's.
Qualify Fha Loans
Many people in the market for a home of their own, including first time home buyers, want to know how to qualify for an FHA loan. Though qualifying is not a.
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Here are some of the more frequently asked questions that your mortgage broker can further expand on: To qualify for a FHA loan, do I have to be a first time homebuyer? You do not have to be a first.
FHA Loan applicants must have a minimum FICO® score of 580 to qualify for the low down payment advantage which is currently at 3.5%. If your credit score is.
As long as your credit score is 500 or higher, you are eligible to apply for a Federal Housing Authority (FHA) loan. You must meet the other loan requirements, and your payment could be higher for a.
How to qualify for an FHA loan To be eligible for an FHA loan, borrowers must meet the following lending guidelines: fico score of 500 to 579 with 10 percent down or a FICO score of 580 or higher.
Fha Mortgage Broker Near Me Fha mortgage applications fha loan requirements Credit Score When Applying For A Home Loan What Is Required Get your paperwork ready before applying for a mortgage By: amy fontinelle, February 21st 2019.. property taxes, mortgage insurance, homeowners association dues and home equity loans or lines of credit) to credit cards, car loans, student loans, child support and alimony.. If you're applying for a VA loan.Depending on what your credit profile looks like, a loan applicant's FICO score will dictate what your down payment will be. Generally speaking, a FICO Score of 580 or higher will allow for a 3.5% down payment amount.The Refinance Index increased three percent from the previous week, as the refinance share of mortgage activity increased to 51.5 percent of total applications from 50.2 percent the previous week.FHA mortgages have always been the alternative to risky subprime mortgages. The underwriting guidelines for FHA mortgages are very flexible and as a result when your personal loan officer takes your applications and tries to approve it they will receive a response from their underwriting system on.
FHA loans are worth investigating because they may require a lower credit score to qualify and a smaller down payment. This makes them attractive for first time.
However, as it stands now, for a buyer to qualify for either an FHA or conventional loan, it typically must be two years since a bankruptcy was discharged and three years since a foreclosure or short.
What Credit Score Is Needed To Buy A House Fha · Thanks to relatively new changes in FHA guidelines, the minimum credit score to qualify for an FHA loan is now 500. A 580-credit score will qualify you for the minimum FHA down payment of 3.5%. For those of you just skimming this article for tidbits (we see you, it's cool), let's cut to the chase.
How to Get an FHA Loan. The Federal Housing Administration (FHA) offers special loans to help families who do not qualify for conventional loanspurchase .
Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. For FHA loans, down payment of 3.5 percent is required for maximum financing. Borrowers with credit scores as low as 500 can qualify for an FHA loan.
Under Secretary Betsy DeVoss, his stint included time as chief operating officer of the Office of Federal Student aid, in.
FHA loans require a smaller downpayment than conventional home loans, with competitive rates and more. See if you qualify for an FHA loan from Allegacy.
Fha Loans Manufactured Homes Requirements
Rules for FHA Manufactured Home Loans. Because FHA manufactured home loans are insured by the FHA, there are certain rules and requirements that must be met. These include but are not limited to: The home must be built after June 15, 1976. The red HUD label must be affixed to each section. Minimum size to be financed is 400 square feet.
We anticipate that our CapEx requirements will remain low and we plan to continue to reduce debt and repurchase. real estate and mortgage investors in the U.S. In the first quarter of 2020, we.
Manufactured Home Documentation Requirements .. Loan Eligibility Matrix- manufactured homes (fha) – Fixed Rate Only 1,2,3,5. Transaction Type.
Because of that insurance, lenders can-and do-offer FHA loans at attractive interest rates and with less stringent and more flexible qualification requirements. 3.5 percent of the purchase price of.
Determine your eligibility for the FHA Home Loan Program on Eligibility.com's. In most instances, FHA loan requirements will be pretty clear. single family, multifamily, and manufactured homes, and hospitals in the world.
Tx Loans Home equity loans in Texas and Houston, TX area provided by TheTexasMortgagePros – the best Texas mortgage broker offering the lowest rate and fee for your home loan needs. Call us at (866) 772-3802 for more information on how to get a Texas Cash Out loan.
Are you wondering if it's possible to get an FHA loan on a manufactured. lot must comply with guidelines established by the Federal Housing Administration.
Gustan Cho and The Gustan Cho Team are experts in FHA Guidelines On Manufactured Home Loans and has no Lender Overlays on.
1 The rule would dramatically change the standards by which a person or entity, including the federal government, can sue to end discriminatory housing practices through what is known as a "disparate.
Curious about the FHA guidelines for manufactured home foundations?. included in the lenders loan file and the insuring binder when submitted to HUD/ FHA.
Best Place To Apply For Fha Loan . is that it even limits the types of loans and loan programs that you are eligible to apply for. Here are the minimum credit score requirements for the three primary mortgage types-va, FHA, and.
Making matters worse, some child advocates say Iowa is among the states with the least regulation of in-home day cares. And according to information from the National. But the bassinet brand listed.
FHA loans are a popular choice among first time home buyers and repeat home buyers alike. This is partly because mortgages insured by the Federal Housing Administration have some of the best loan terms in the industry, including the impressively low down payment requirement of only 3.5%. fha loans are also incredibly flexible when it comes to eligibility requirements, making them a perfect fit.
Loan Type Fha
An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan which is provided by an FHA-approved lender. FHA insured loans are a type of federal assistance and have historically allowed lower income Americans to borrow money for the purchase of a home that they would not otherwise be able to afford.
Fha Credit Score Requirement Fha Reserves Requirement Today's question is: Can I use an FHA loan to buy a duplex-style home with two units? The short answer is yes, an fha-insured mortgage loan can be used to purchase a duplex property, as long as you meet a few key requirements. One of the most important requirements has to do with owner occupancy.Middle Fico Score Knowing how your credit score affects the home buying process by those who are seeking a mortgage makes it imperative that one finds out her credit score early-on. Your fico score plays an important part in the home buying process and in determining the interest rate that a lender offers.I-Refi is designed to help homeowners who have been current on their mortgage payments for at least 12 months and must also qualify for the new loan under IHDA's income and credit requirements. Before the loan is approved, homeowners must order a professional appraisal to assess the value of the home.
FHA Mortgage Loans make homeownership possible for more people. The Federal Housing Administration (FHA), which is part of the U.S. Department of Housing and Urban Development (HUD), provides loan programs that make buying a home easier for those with lower credit scores, limited cash for down payment, and for those who may not qualify for other types of loans.
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· An FHA loan is ideal to use for an insured HUD home that needs minimal repairs, if any, to bring it up to code and make it livable. FHA loans are designed for first time homeowners and those borrowers with smaller down payments. FHA Loan Qualifications. The borrower pays mortgage insurance on an FHA loan, to protect the lender from a loss in.
Middle Fico Score Can I Borrow Down Payment For Fha Loan FHA home loans have plenty of differences from conventional loans, including down payment requirements and the amount of that down payment. Conventional loan down payment requirements vary from company to company-you may be told by one lender that five percent of the sale price of the home is required, while another may ask for 10%.To reiterate, there are many different credit score models, including versions of VantageScore, FICO scores and even educational credit scores. Some of these have different credit score ranges, so while VantageScore 3.0 and FICO scores run from 300 to 850, there are others that may run from 501-990 or 360 to 840, for example.
· On the forefront, an FHA loan can offer several advantages over a standard loan. While the approval is easier and the interest rates are generally reasonable, the upfront MIP and required annual.
The FHA backs a variety of loan types. Conventional Fixed Rate A conventional fixed-rate mortgage is set for a certain span of time at a specific interest rate that never changes.
The HUD Handbook 4155.2 explains the FHA loan process in detail, from identifying a lender to the lender's responsibilities after the loan is closed. The time it takes to close on an FHA loan is pretty comparable to other types of loans.
Loans Tx Fha Program Requirements FHA: When an FHA loan is being used, the appraiser has two objectives. The Department of Housing and urban development (hud) requires him to determine the current market value, as with any appraisal. But they also require a property inspection to make sure the home meets HUD's minimum standards for health and safety.
FHA Streamline Refinance Loan Types. FHA Streamline 30 year fixed rate refinance Loan: Designed to either lower your payment by lowering your current interest rate, or to convert an FHA Adjustable Rate Mortgage into a fixed rate mortgage. The FHA Streamline refinance loans require less documentation than a traditional loan, and there is no.
The following links will take you to descriptions of some of FHA's most popular Single Family insured mortgage programs: Adjustable Rate mortgages; basic home mortgage loan 203(b). Subscribe to receive fha info announcements and SF NEWS about Mortgagee Letter. Find the address of the HUD.
Fha Gift Letter Guidelines
Fha Loan To Value Fha For Bad Credit Fha Loan Low Credit Score fha loan pre Approval Get Pre-Approved for an FHA Loan. You're ready to start your home-hunt, but need to get pre-approved for an FHA loan. If you're not sure how to be qualified for an FHA loan, follow this link to learn more about this particular lending product.How Much Do I Qualify For Fha fha loan guidlines fha repair guidelines are also subject to lender overlays. The FHA might approve a non-permitted structure, but the lender's investor guidelines could cause an FHA loan to be denied for a non-permitted addition or remodel.How much do I need to make to qualify for an FHA mortgage? That is among the most popular questions about FHA home loans. According to the FHA, there is NO minimum income requirement to apply.Bad credit fha home loans are available for qualified applicants that have at least a 500 fico score and additional credentials that the underwriter deems worthy.Easy credit qualifying; What does FHA have for you? Buying your first home? FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price. Available on 1-4 unit properties. Financial help for seniors Are you 62 or older? Do you live in your home?The loan-to-value (LTV) ratio is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased. The term is commonly used by banks and building societies to represent the ratio of the first mortgage line as a percentage of the total appraised value of real property .
At a minimum, the FHA gift letter must include: the name of the person donating the money, the donor's address and phone number. the donor's relationship to the borrower / home buyer. the dollar amount being donated, and. a statement that no repayment is expected.
FHA Gift Documentation Requirements: An important fha requirement is documenting the funds actually came from the donor's account. Additionally, FHA requires lenders to verify the donor had the ability to provide the funds. So the donor can't just put $5000 in a bank account and the next day gift 00 without proving where the funds came from.
The proper documentation for FHA gift funds is critical to the FHA mortgage process.. so it is very important that you review and understand the requirements below.. Provide, signed and dated gift letter from the gift donor, a copy of the front.
Credit Score To Qualify For Fha Loan The credit requirements for fha 203k loans are the same as for fha purchase loans. You need a 500 credit score and a 10% down payment to take out an FHA 203k loan. Borrowers with a 580 credit score may qualify for as little as 3.5% down.
FHA Loan Articles. "Gifts refer to the contributions of cash or equity with no expectation of repayment." Yes, the above quote from the FHA loan rule book states that equity can be provided instead of hard cash. FHA loan rules don't just regulate the source of funds in this way, it also governs who may provide such gifts.
FHA Guidelines On Gift Funds Mortgage Requirements allows 100% gift funds to be used for down payment and closing costs but not for.
This BLOG On FHA Guidelines On Gift Funds Mortgage Requirements On Home Purchases Was UPDATED On August 29th, 2018 Changes And FHA Guidelines On Gift Funds Mortgage Requirements: The Federal Housing Administration, often referred to as FHA, is part of the United States Department of Housing and Urban Development, often referred as HUD.
FHA Gift Funds Guidelines state that 100% of gift funds may be used for the down payment and/or closing costs but both HUD and AUS does not view gift funds favorably. FHA Gift Funds Guidelines For Down Payment And Closing Costs. Per FHA Gift Funds Guidelines, family members or relatives can give a home buyer gift funds, up to 100%, to be used.
The Federal Housing Administration's (FHA) Single Family Housing Policy Handbook 4000.1 (SF Handbook) is a consolidated, consistent, and comprehensive source of FHA Single Family Housing policy. Consolidated: Hundreds of FHA Handbooks, Mortgagee Letters, Housing Notices, and other policy documents have been consolidated into this single source.
Who Can Qualify For An Fha Loan
A borrower who has gone through requirements listed above can qualify for an FHA loan. Credit, income, and asset determine eligibility for an FHA home loan. Applicants will go through the process of verification and must submit all necessary documents to the lender.
Keep reading to learn about FHA loan requirements for 2018 and find out how to qualify. What Is an FHA Loan? An FHA loan is a home loan issued by an FHA-approved lender and insured by the FHA. The insurance reimburses the lender if the buyer defaults on the loan, which reduces the lender's risk. Read on to learn about FHA loan qualifications.
Other loan programs allow down payments as small as 3 percent or 3.5 percent. SEARCH RATES: Shop FHA-approved. and the fee can be added to the loan balance. Keep your finances as boring and steady.
FHA home loans are for any financially qualified borrower. You don't have to earn a minimum amount of money, and there is no maximum income limit for FHA mortgages. FHA home loans are for any financially qualified borrower. You don't have to earn a minimum amount of money, and there is no maximum income limit for FHA mortgages.
Fha With Bad Credit Apply Online For FHA Loans.. In several countries, credit report are utilized instead of or to supplement these procedures. There will also be demands for documentation of the credit reliability, such as income tax obligation returns, pay stubs, and so on the specifics will certainly differ.
FHA loans are good for those who have previously declared bankruptcy or have a lower credit score. FHA Qualifications In order to qualify for an FHA mortgage, an application must be completed.
How Much Will I Get Approved For An Fha Loan How To Get Pre Qualified For Fha Loan offers custom fixed-rate loan terms that are between eight and 30 years. Provides FHA-backed loans, USDA loans as well as. existing chase customers can get discounts. Offers a wide selection of.You can get around the capital requirement. real estate Without Buying Property.] When you use an FHA loan, you only need a 3.5% down payment. On a $300,000 property, that's $10,500. That's much.
In addition to annual mortgage. FHA for many years or over the life of the loan (depending on the particulars of the terms), as well as an upfront mortgage insurance premium. That upfront amount.
To qualify for an FHA loan, generally you must be able to satisfy the following criteria: Must have a steady employment history (the underwriters are looking for at least a two year history) Must have valid Social Security number, lawful residency in the U.S., and be of legal age to sign a mortgage in your State.
Types Of Fha Loans Fha Bk Guidelines FHA Guidelines for Chapter 7 Bankruptcy At least two years must have elapsed since the discharge date of the borrower and / or spouse's Chapter 7 Bankruptcy, according to FHA guidelines. This is not to be confused with the bankruptcy filing date.The federal agency released new guidelines Wednesday for the types of mortgages it will insure at condominiums. Unlike conventional mortgages that require 20% down, the FHA backs loans that require.
Basically, in order to qualify for an FHA loan, you'll have to have a reasonable debt to income ratio, access to the downpayment funds, and an acceptable credit and income history. This means your income must be above your debt including the potential mortgage.
Fha Gift Rules Qualifying For Fha Borrowers with no credit score can qualify using non-traditional credit lines. This includes utility and cell phone bills, insurance payments, and proof of rent payment. FHA Mortgage After a Bankruptcy, Foreclosure, or Short Sale. Borrowers can qualify for an FHA loan two years after the discharge of a chapter 7, or chapter 13 bankruptcy.
U.S. Department of Agriculture loans offer a combination of rates and fees that can beat conventional loans and even federal housing administration-insured loans (FHA loans. See if you and the home.
Texas Home Loans With No Down Payment Bank of America is also expanding its "America's Home. Loan Solution mortgage," which is a fixed-rate loan for low- and moderate-income borrowers that features a "competitive rate" with a down.


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It took just over two years to pay back my debt. Debt servicing became such a part of my lifestyle that I was completely unprepared for the last payment. I knew, on some theoretical level, what I wanted to do with my money once the debt was gone. However, a part of me thought it would never happen. I was worried about debt for so many years that I wasn't prepared for the day I didn't have any. It was disorienting.
In this episode, we try to prepare you for the next phase of your money that is currently crawling towards you. Keep this episode saved somewhere. It's a roadmap that will get you to the next step. We do a "what next" for each of the below phases of your money life:
- Debt
- Recently settled debt
- Starting out at 0
- Emergency fund in tact
- RA in tact
- ETFs bought
- Listen / download here.
- Subscribe to our RSS feed here.
- Subscribe or rate us in iTunes.
- Sign up here to receive an email every time a new show goes live.
Clean swearing bleeped out show is below.
Win of the week: Matome discovered us through Stealthy Wealth.
I've only recently discovered your podcasts (well actually a few months back but I have been listening to many of the oldies of both the Fat Wallet & JSE Direct) & just want to give you guys a BIG shout out for all the great stuff you are doing. I have learnt SO MUCH!!! & now I am taking my finances into my control.
I was actually introduced to Stealthy Wealth from a friend, a real miser, but great guy and through his blog I learnt about you guys. So here I am!
I suppose one of my greatest learnings from you guys is that your retirement planning has nothing to do with your income, but everything to do with your expenses. That's better than real gold! It doesn't take millions make it, but you can make millions by knowing that one little sentence! AWESOME STUFF RIGHT THERE.
This is the first of my many mails I will be sending you guys & I am seriously looking forward to learning more, making bigger & better decisions.
Also Phasane for taking charge of his RA situation.
After listening to a number of your podcasts, I finally gathered enough strength to look at what I signed up for on 13 November 2013. These suckers would be charging me an ongoing commission of 5.7% from year 5.
How did I sign up for this? I'm glad I learned about your fat wallet podcast when I did.
Chris submitted an awesome spreadsheet. He's wondering about his investment strategy, specifically a growth strategy vs a dividend strategy. What makes this hard is the dividend withholding tax, which he bypassed by focussing on a tax-free environment.
Justine Burnelli is selling a house and downscaling big time.
We've decided to move to sunny Durban and are selling our house. We bought six years ago in a good area so we've had strong growth.
Any tips on selling a home? We're going with one of those online fixed-fee estate agents.
We're planning on renting a much smaller place in Durbs since we came to the realization that there were rooms in our current house that were basically unused.
That leaves us in a bit of a conundrum: how does one get rid of all this stuff? Have a garage sale? But who wants a slightly used toaster?
What does one do with this massive pile of cash once the house gets sold?
I'd just like to park the money someplace until we can figure out where to find a more permanent home for it. Feeling really uncomfortable dealing with 7-digit numbers. I'd like to think I'm financially savvy enough to know what to do, but am still feeling out of my depth.
Small mistakes could result in big sums of money going to fees and taxes. Was thinking along the lines of the TRACI or gov retail bonds. What other short term 3-year cash-like instruments are there, besides these two and fixed term deposits at the bank?
If I do invest the house sale proceeds into the MAPPS Protect ETF, will the market allow such a large transaction? Would the market maker simply, automatically create new shares, or would the price just shoot through the roof until all the shares available have been bought up.
What then happens when i want to sell one day? Is an ETF liquid enough to allow transactions of say 5-10% of its market cap to take place?
Wim is making the most of rewards programmes.
My wife and I are at Investec and we have decided to use our rewards to re-invest in Financial products on rewards program. We have invested almost R30 000 rand over last 5 years in a global Investec equity feeder.
We get R500 voucher for every 10 000 points. Only snag is you have to buy Investec product and have at least R10 000 rand in product. (Lump sum) Initially used money from extra money in home bond. Our cards are credit card but use it as debit card. All reward point goes directly into investing not spending.
Nicole recently scrutinised her retirement fees. She is 52 and she can move her RA without penalty at 55.
I have learnt a lot from your show. Like everyone else I just wish I had had these insights 10, 20 or 30 years ago. For this reason, I am opening TFSA for my children and for every R100 they deposit, I will deposit R150 and then help them to invest it in an index tracker fund.
I contacted my provider (PPS) for a breakdown of fees and found out that I am paying 2% effective annual cost.
I told my advisor I've been sensitized to the importance of fees and I want to stop contributing to it and just let it sit there (I am 52 – I could move it with no penalties I presume at 55 years old).
Despite this being an old generation RA, it has done surprisingly well by my calculations. But still – the 2% fees is concerning for me long term.
Anyway, my financial advisor returned with a counter suggestion to decrease my EAC by moving from PPS to AIMS.
I am feeling frustrated, as this suggestion comes only after I say that I am going to stop contributing to my PPS RA due to high fees.
I received the below comment of my financial advisor:
"Going direct to an asset manager is not necessarily cheaper. By going direct, the asset manager will always place you in a more expensive Class. Class A is more expensive than Class B,C and D for example"
We also got an RA question from Robyn, who is in the unfortunate position of having to take care of grown-up family members.
I'd like to open an RA or TFSA for my sister, as I do not think she will have nearly enough to retire on. She is 45. I also cannot trust her with money, so I would like to make investments in her name, but preferably that I control, since it is my money in there anyway.
Would you suggest an RA or a TFSA?
Nduh is from Durban. He is 30 and started investing three years ago. He's considering a few moves.
I've been investing R2000/month in TFSA since the first month it was introduced with etfSA.
They are charging me 1% and I want to run away because its means it's going to cost R1000 per year once I have R100,000. My TFSA with etfSA is an all equity account d other R750 monthly is in property (local & offshore) with our DARLING EASYEQUITIES.
I want to move this R100K to easyequities. Etfsa invested in a number of ETFs. Should I sell all the ETFs after moving to EasyEquities and create something simply that I will understand or keep them?
I recently bought a brand new second hand car on finance and this thing of paying interest stressed me as a result I cancelled a monthly debit order(R1000) to my RA (sygnia) and diverted it to pay extra on my car. I have provident fund with my employer where i contribute 18.5% since the age of 24. What your take on this move?
Clara wrote us about a year ago about a rental flat in Cape Town.
We sold our home near Cape Town and have moved to the EU with our kids and cats and dog.
I was very interested to listen to your episode with Patrick McKay because he discussed investing overseas, which is something I need to learn about, having sold our house in SA and not yet being ready to buy in Europe (if we ever do).
- How do we go about applying for a tax clearance certificate, and do you think I can do it myself or should I hire a tax elf in SA to do it for me? (I have been filing SA taxes myself, but I don't feel very good at it!)
- As far as I can tell, I still have to pay SARS tax on any income earned in SA (interest) even though I'm not a resident. Does that sound right?
Ros noticed a new fee. This can't be good.
On a recent statement of mine from Absa Stockbrokers, I noticed a line item "ETF Fee" for each of the 4 Sygnia Itrix ETFs that I hold. It was the first time I'd seen such an item. I emailed Absa about it, and they pointed me to Sygnia. Sygnia replied:
"The ETF fee item refers to fund fees accumulated between the last two distributions. This period would have been 6 months for most funds, if not all. The fee accumulates monthly and only gets deducted off the distribution. The ETF fee has always been applied but may be been deducted in the background by your service provider."
Can you shed any light on this?
Farhan is 30 and really wants his money offshore.
I save between 10% and 25% of my salary monthly, which is split between:
- House: R1.1M with 600k debt (10.25 rate)
- Allan Gray RA
- EE account
- Investec 3 year investment: 100 in, 159 out in 2021
- 280k debt on a car (cough cough) 10.5 rate – should pay it off in a couple years.
Should I pause all investment and just pay off my car? Or do I make good headway but accept 10.5% cost of debt in exchange for portfolio growth?
I don't have a lot of faith in the rand, so have been moving my liquid investments into ETFs with global exposure. That said, I'm very aware that the vast majority of my investment is tied up in my house. Do you think pushing every bit of my portfolio into foreign exposure ETFs is a bad idea? Or a great one? Why?
Wicus made such a good call to save money.
I'm doing my articles and decided to move in with my parents next year until I finish it.
I'm going to save R5 000.00 per month because I no longer going to pay any rent. I'm very privileged that I don't have any debt and all the money I save I can use it to benefit for my future.
I already opened a tax free and balanced fund at Allan Gray but only recently discovered that the transaction fees are going to hurt me in the future.
Do I need to move my tax free because I'm planning to use that money when I am 70 years old so still have 46 years left to build that investment.
How do I save the money I'm going to save staying with my parents. I want to save the money for between 8-10 years and want to use that money for a deposit to buy a house in the future.
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Tuesday, January 3, 2012
The start of something grand.
Let's just expect this new venture to be a wonderful thing, shall we? I'm going to pray for a great year for the Pipe Lifers ... speak it into being, even. I believe positive (often) begets positive, so that's the route I'm taking.
It is back to ... well, "whatever" today. School, work ... our old familiar roles. I've sent the kids off to school and Steve off to a new job. The house is so quiet the dog and I don't know what to do with ourselves. I'm not sure if I'm ecstatic or lonely. A little bit of both, probably.
Despite the concern over lack of a regular paycheck for a while, it's been so great having Steve here by my side these past few weeks. We really needed that time to recharge. Today he's headed to Pennsylvania for his new job and I'm not sure when I will see him again. Hopefully we'll know much more about what the job entails and what his schedule will be after he meets with a supervisor tomorrow. (And for those keeping track, my brother is going to work for the same company, so they're traveling together today. Fired together, hired together. I'm tellin' ya', they're a force to be reckoned with.)
I'm excited. I have a feeling there are great things in store for us this year, and this is just the beginning.
Now, if I could just fight off this cold that seems to be settling in my head I'd be all set. I've got too much to accomplish to start the year off by getting sick. Germs be gone!
2 comments:
What kind of grand things do you see in store?ReplyDelete
Hmm, great question. As I've thought about the year ahead three things keep popping into my head: consistency, security, and freedom. What does it all mean? I'M NOT SURE! Yet.ReplyDelete
I told Steve the other day I have a great feeling about this new job of his ... that he will either really excel with this company, or it will be a stepping stone to something/somewhere he is happy with, and happy to invest some time in.
And for me? I could write forever about what I think it means for me. :) But I do see myself focusing more on ME this year ... not just what I feel I'm "supposed" to be doing for my kids, my family, my home, the world, blah blah blah. I'm going to be doing a lot of writing in the days ahead - partly to hash all this out for myself because after a while I feel like I'm talking in circles. :D I'm just excited!


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September 4, 2013 at WSMR Desert Ship Range, NM.
The successful LRASM Boosted Test Vehicle (BTV) flight on 4 Sep '13 at WSMR Desert Ship Range, demonstrated a LRASM launch from a MK 41 VLS canister using the proven Mk-114 booster. Lockheed Martin is investing in the surface-launch LRASM effort to reduce program risk and accelerate time to fielding an OASuW capability on US Navy surface combatants. LRASM can be employed from DDGs and CGs with only software modifications to existing launch control systems. LRASM is the low-risk and low-cost solution for our naval warfighter.


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Event Planning & Design
November 29, 2018
Wedding Planning & Posted by: Samantha Hall Events
Sarah and Zack had an amazing destination wedding weekend on Catalina Island. Check out their wedding video!
Wedding Planner: Samantha Hall Events
Venue: Descanso Beach Club
Videographer: Geoff Rivers Photography
Photographer: EverGlow Photography
Florist: Bloom Flor...
April 25, 2018
We were so excited to help design and plan this styled shoot at the South Coast Botanic Gardens in Palos Verdes. With the help from our preferred vendors, we got to capture amazing photos of what the venue has to offer!
Wedding Planner & Designer: Samantha Hall Ev...
April 10, 2018
Looking for a venue in Long Beach...check out The Ebell Long Beach!!! One of our favorite couples got married there last summer and what a romantic and stunning place it is!
Wedding Planning: Samantha Hall Events
Venue: The Ebell Club Long Beach
Photographer: Tajreen Hed...
February 9, 2018
Throwback Thursday to Dominique and John's wedding at this incredible private estate in Pacific Palisades in August 2017. From the elegant table decor to the stunning all white bridesmaids and bridesman outfits, this wedding was a black tie night to remember!
Wedding Pl...
January 26, 2018
Check out this amazing fall themed wedding at the South Coast Botanic Gardens this past October!
Wedding Planning: Samantha Hall Events
Venue: South Coast Botanic Gardens
Photographer: Figlewicz Photography
Florist: Susan's Floral Design
Photo Booth: So Cal Photo Bu...
January 10, 2018
We were so lucky to be part of such a fabulous wedding this past September as James Thompson (director of True Blood), and David Garza tied the knot. We had the pleasure of helping them from the beginning in choosing the perfect rooftop venue in downtown LA, to finaliz...
October 22, 2017
We had the pleasure of planning Ursula and Phil's wedding at a private ranch in Santa Ynez, CA. Since the wedding was in April, we knew there may be a chance of rain, but that didn't stop Yair Haim Photography from capturing these amazing images. Not only were they stu...
Not only was Sydney and Nolan's wedding magical, it was filled with dancing, fun and good times with their family and friends. Thanks to Carrie Onwards Films for capturing the best moments on their wedding day!
Venue: American Mart...
August 13, 2017
Posted by: Samantha Hall Events
We haven't forgotten about Robbie and Melissa's wedding last year at the Limoneria Ranch in Santa Paula. Such tropical colors made for such a joyous wedding!
Wedding Planning: Samantha Hall Events
Venue: Limoneria Ranch in Santa Paula, CA
Photography: HazelnutPhotography
April 13, 2017
A lot of times we have couples that come from different religions and cultural backgrounds. This was a perfect example of an amazing couple who wanted to incorporate both religious and cultural ceremony elements into their wedding. This was an amazing sofreh table we h...
Older Posts >
Elizabeth & Adam Wedding
Catalina Island Wedding!!!
South Coast Botanic Garden Styled Shoot!!!!!
Dominique & John Wedding
Kate & Kenny Wedding
David & James Wedding
Ursula & Phil Wedding
Sydney and Nolan's Wedding
Robbie & Melissa Wedding
Catrina & Rob's Wedding - Traditional Persian Sofreh Table for Ceremony
November 2018 (1)
April 2018 (2)
February 2018 (1)
January 2018 (2)
October 2017 (2)
August 2017 (1)
April 2017 (1)
March 2017 (1)
December 2016 (2)
October 2016 (1)
September 2016 (1)
July 2016 (1)
May 2016 (1)
April 2016 (1)
January 2016 (1)
November 2015 (1)
September 2015 (1)
June 2015 (1)
April 2015 (2)
March 2015 (3)


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Monday, September 9, 2019
The Way It Was: Yosemite on a September Saturday
I generally avoid Yosemite Valley in the summertime, and I try to avoid Saturdays especially, but I was a glutton for punishment; we hadn't been to the valley since last spring and were kind of curious about how it would be. We expected crowds and dryness and dust.
And that's the way it was...
Posted by Garry Hayes at 11:55 PM
Labels: Bridalveil Fall, Bridalveil Meadow, Gateway view, Half Dome, Under the Volcano, Yosemite Falls, Yosemite Valley
5 comments:
- Unknown said...
Always a treat to see 'your view' my friend! (Kathy Crawford)
- September 10, 2019 at 12:25 AM
Garry, where was the first picture taken? One might surmise that if the line between Half Dome and your feet were extended into the Great Valley it might cross Turlock...
- September 10, 2019 at 1:02 PM
- Garry Hayes said...
The line of sight does extend into the Great Valley. We were at the turnout on Big Oak Flat where Half Dome first comes into view just east of the Foresta turnoff.
- September 10, 2019 at 2:53 PM
It was part sarcasm after the last post about half dome from Turlock which generated many comments and skepticism. I have yet to convince my mom half dome is visible from the valley.
- September 10, 2019 at 8:56 PM
- Long Island Fred said...
Nice blog....
- September 15, 2019 at 1:06 PM
Subscribe to: Post Comments (Atom)


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The new BMW F 750 GS is part of our range of rented motorcycles, so we thought it would be great to give you a short review of the BMW F 750 GS in this article.
The new 2019 BMW F 750 GS, one of the smallest BMW adventure tourers, is the smaller version of its big brother the BMW F 850GS.
- So then, what are the main differences between the BMW F750GS and the BMW F850GS?
For a start, the frame and the engine on both GSes are the same. The BMW F750 GS is not as powerful as the 850, there is a bit less torque and max power (77 vs 90hp at 7 500rpm).
- So, why should you buy or rent a BMW F750GS instead?
The F 750 GS comes up in two versions, the standard one and the version with additional features with pro ride modes option. The pro option contains Enduro mode and Dynamic mode. On the standard version, the throttle of the BMW F 750 GS seems to be a bit too smooth, for those who prefer a more dynamic ride you are better going for the pro option modes… or change for a BMW F 850 GS.
Anyways, this motorcycle offers the possibility for smaller riders to have fun on a smaller version of the GSes family with its 770-815 mm height seat. It's also a very light motorcycle with a total weight of 224kg. The suspensions are adjustable contrary to the 850, and the TFT dashboard offers a brilliant tool for the rider. The TFT screen is very clear to read, the information is simple, large enough to be seen without having to bend down and the visibility is still clear when the sun hits the screen.
The main point about this motorcycle is that it is not really the best to ride off-road, it is a more tarmac orientated motorcycle. It will be at its best and most impressive on proper tarred roads especially in the countryside and mountain type roads. Long riding and touring is totally feasible, the BMW F 750 GS is easy to handle, very comfortable, and gives excellent capacities when not off-road.
At high speed, the wind blast is an issue because of the short windscreen, but as we said, this bike is perfect for countryside roads and mountain winding roads, where there is no need to speed up as much.
If there was a real comparison to do, it would be with the Triumph Tiger rather than the F 850 GS. So stay tuned, the next blog article might just be about our Triumph Tiger 800 XRx review.
- What about the BMW F 750 GS price?
The price of a new BMW 750 GS will start off at +11 200$. Then, depending on the options it will price up to + 14 000$.
- The BMW F 750 GS specs:
Engine type: two-cylinder, liquid cooled, DOHC, for valves per cylinder.
Displacement: 853cc
Power claimed: 77hp at 7500rpm
Torque claimed: 61 f-p at 6000rpm
Transmission: 6 speed
Front suspension: 41 mm telescopic fork
Rear suspension: Central spring shock with hydraulic preload and rebound
Front brake: Brembo calipers, two-piston
Rear brake: One-piston caliper
Seat height: 30.3 to 32.6 inches
Tank capacity: 4 g
Weight: 493 pounds
If you want to rent a motorcycle in Europe you can rent the BMW F750 GS with us, whether you already know the bike or just want to test it on European roads. Check-out our website for more info, click: here.


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There is a place for children and guns when supervised by a competent adult. I learned to shoot as a kid in a controlled environment – even though it was standing in a field with my uncle throwing up old beer cans in the Highlands of Scotland. There were high powered rifles and shotguns lying in the open – that was just the way it was. I carried loaded rifles when out stalking with the shepherds – but again safety was drilled into me with the constant reminder that laziness on my part would result in a smack around the ears. I also knew that if I touched them without permission I would have had my butt kicked up and down the mountain by the adult that caught me. I grew up with a healthy respect for guns and eventually became a marksman in a tactical firearms unit.
That said – the constant death toll of children in the USA dumbfounds me. This report by The Children's Defense Fund (CDF) is incredibly sad. Is it just sheer adult stupidity, laziness – both?
The number of deaths by homicide is not as easily addressed. The sheer number of injuries can be reduced by simple changes in firearm education – as well as how people store and utilize firearms. It's true that owning a firearm for home protection and then locking it in a safe is the same as owning a fire extinguisher and locking it in a cupboard – you may not have time to get to it when needed.
Tasers and stun guns aren't on the list of weapons that kill children. If you need to have a weapon around the house have a Taser and/or Stun guns strategically placed for easy access. This gives you a first line of defense and a backup in the event that you need to react quickly. If the kids pull the trigger on a stun gun they'll at least be around to know not to do that again.
Remember that a Taser gives you distance between an attacker and you – up to fifteen (15) feet. If you were to miss, even with the laser sight, then the front of the Taser becomes a contact weapon. Stun guns require you to literally touch the attacker to work and inflict extreme pain – Taser incapacitates. This is an important distinction. Check out Taser videos for more information.
Lock away the firearms and use a Taser for first response. .


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July 2018
Award-winning actress and singer Tichina Arnold has entertained audiences in a variety of notable roles throughout her career.
Born and raised in Queens, N.Y., to a policeman father and mother who worked for the city, Arnold got her first taste of performing in her family's church at the tender age of 4. Recognizing her love and natural talent for singing, her parents enrolled her in vocal training. Later, while attending the Fiorello H. LaGuardia High School of Music & Art and Performing Arts, Arnold studied such diverse art forms as yodeling, Italian opera, dance, drama, comedy and improv.
Since then, Arnold has made her mark on television in a number of successful series, beginning with the comedy "Martin," opposite Martin Lawrence in 1992. Her portrayal of the character Pam earned the actress an NAACP Image Award for Supporting Actress in 1996. Also, she starred as Rochelle in "Everybody Hates Chris," a semi-autobiographical comedy created by Chris Rock, turning in a performance that earned her another NAACP Image Award in 2006, and she starred in "Happily Divorced," opposite Fran Drescher; "Daytime Divas," alongside Vanessa Williams; and "Survivor's Remorse," which was executive produced by NBA superstar LeBron James and earned Arnold her third NAACP Image Award in 2017. In addition, she has made notable guest appearances on such series as "The Jamie Foxx Show" and "Raising Hope," as well as the animated series "American Dad," "The Boondocks" and "Black Dynamite." Arnold began her television career on the daytime dramas "All My Children" and "Ryan's Hope," the latter of which earned her a Daytime Emmy Award nomination.
Arnold's film credits include the 1986 international blockbuster "Little Shop of Horrors"; "Big Momma's House," which reunited her with Martin Lawrence; "Brothers" starring Natalie Portman; "Wild Hogs"; and the title role in "The Lena Baker Story," a drama which screened at the Cannes Film Festival. Most recently, Arnold completed production on the indie dramas "The Last Black Man in San Francisco" and "Clover."
On stage, Arnold starred in "Alex in Wonderland," written and directed by Debbie Allen; a revival of "The Wiz" at the City Center in New York; the off-Broadway hit "Love, Loss, and What I Wore"; and the musical hit "If These Hips Could Talk." Early theater credits include "The Me Nobody Knows" at Brooklyn's Billie Holiday Theatre, "Hair," "Romance and Hard Times" and "Haggadah" at the Joseph Papp Theatre.
Together with her sister, Arnold formed the We Win Foundation, which offers support to individuals suffering with lupus and other related autoimmune diseases, as well as their families and caregivers.
Arnold's birthday is June 28. Follow her on Twitter and Instagram @TichinaArnold.