The first official portrait of Kate Middleton, a.k.a. the Duchess of Cambridge, has been unveiled. And it is a bit… unfortunate. Continue reading
Daily Archives: January 11, 2013
5 posts
The Centers for Disease Control are reporting an upsurge of reported seasonal influenza cases in the past couple of weeks indicating that we may be in for a particularly nasty Flu season. Even if you do not normally get a shot, this year you should. Continue reading
When purchasing a home it’s essential that a mortgage loan originator determine if you can afford to make the payments on that home over the long term. During the frenzied run up to the mortgage melt down loans were made based on unrealistic debt to income ratios among other devious schemes to qualify a borrower at any cost. With the new rules going into place today a borrower’s total monthly payments for all loans must be less than 43% of their gross income. Here is an easy way to calculate how much income is needed to qualify for a loan.
First, what qualifies as income is only what can be documented and substantiated. If you’re paid under the table for a side job that’s not income. If you can’t back up claims about commission payments, that’s not income. Only what shows on your pay stub or can be substantiated with multiple years of tax returns.
Hola todos! Welcome to the inaugural edition of music suggestions for the gym. It’s a new year and a new fabulous you. Let’s celebrate by kicking out the tunes. Of course you are welcome to recommend the hot jamz you are listening to. In fact, I insist. I have my own taste in music and you have yours. I tend to go towards indie/hip hop/weird eclectic international stuff but I like a good song, so please share yours with us! Continue reading
This is the second Friday of 2013. Continue reading