What is the Difference between Accounts Payable and Notes Payable?
... Total Short-Term Borrowings 93568 103177 -9.3% 114906 Federal Home Loan Bank Advances 25944 48248 -46.2% 26000 Term Repurchase Agreement 10000 -- n/m 10000 Debt Financing and Notes Payable 15000 26007 -42.3% 15000 Shareholders' ... Westamerica Bancorporation Reports Second Quarter 2012 Earnings
Music, Vocals, Recording, and Lyrics by Andrew Cataldo and Nate Tepper Video and Editing by Jessica Angelos and Rachel Vaselacopoulos Lyrics: Alright, Cathy, This one's for you. Accounting 221, Damn I need an 'A' in this class, I need the dollar dollar, dollar is what I need, hey hey! Well I need the dollar dollar, a dollar is what I need hey hey And I said I need the dollar dollar, a dollar is what I need, And if I share with you my story would you share your dollar with me? Bad times are comin, got some money that I owe, Look at my balance sheet its in notes payable, Its been a long time and the interest might of grown, And I'm looking for somebody to help me pay this loan. I need the dollar dollar, a dollar that's what I need, hey hey! Well I need the dollar dollar, a dollar that's what I need. Well all i know is my liabilities ain't going down, I got a credit balance that's what I found, And all I want - is for someone - to help me! By the end of the year I couldn't pay the loan, So I, Made the adjustment and credited interest payable, On maturity I handed over the dough, It was an operating activity and so I decreased cash flow. Well I need the dollar dollar, a dollar is what I need, hey hey! Well I need the dollar dollar, a dollar is what I need. Well all I know is my liabilities ain't going down I got a credit balance that's what I found, And all I want - is for someone - to help me! What in the world am I gonna to do tomorrow? Is there someone whose dollar that I ...
In the world of business, it is a reality that businesses, whether SMEs or big corporations, sometimes do not have enough resources to purchase goods that they obtain these resources through borrowing, owners' investments, and management operations. These are extended to them by persons or banks, financing companies, and suppliers, and are referred to as payables, liabilities or debt.
In accounting, there are two types of payables, accounts payable and notes payable, and these are reported on a balance sheet as current (short-term) or long-term, based on when they are due to be paid. These payables must be paid within a specific period of time, usually within 12 months or longer.
Here are the points of difference between the accounts payable and notes payable:
Accounts Payable
Accounts payable are short-term financial obligations that exist based on the good faith credit of the business or owner.
Other than an invoice, these payables do not involve any signed written formal note or agreement to pay within a specific period of time.
Often shorthanded as A/P, Accounts payable arises in the normal course of business when an individual or business receives a product or service before it pays for it. This form of credit that suppliers offer to their customers usually require repayment on specific due dates, usually within 30 days, but do often run past 30 days or 60 days in some situations.
Oftentimes, there are businesses that enable their customers to purchase supplies, commodities or services on an account on credit. In accounts payable, this is true for clients that have been patronizing their products or business for a while and they are already proven to be of good credit risks.
For practical purposes, the major difference between notes payable and accounts payable is that accounts payable are not charged with any interest fees or other charges if they are paid on time. If accounts payable are paid late, however, it is common for an interest charge to be added to the accounts payable payment required.
Accounts payable is one of the largest current liabilities a company will face. This is because they are constantly ordering new products or paying vendors for services or merchandise.
The timing of payments of accounts payable balances are determined by the credit terms of each transaction and the company's ability to take advantage of available discounts.
Examples of accounts payable are amounts due to vendors such as for rent and utilities and from purchases of merchandise or supplies on an account.
In households, examples of accounts payable are ordinarily bills from the electric company, telephone company, cable television or satellite dish service, newspaper subscription, and other such regular services.
Notes Payable
Notes payable represents either short-term or long-term financial obligations to banks or other creditors based on formal written agreements. It involves a written promissory note that a company receives when it borrows money from a lender. This note promises to pay specified dollar amounts that include the amount borrowed, called principal, and interest within a specific period of time. In the agreement, a specific interest rate is usually identified. This specific interest rate and the terms are stated in the promissory note.
Notes payable are usually offered by financial institutions such as banks and financing or credit companies to individuals or businesses wanting to purchase something but do not have enough cash. They come in the form of loans, mortgages, and financing.
Question by Red: Shared Appreciation Note vs. FHA Mortgage? I am currently in the process of getting a mortgage. I need advice on the benefits and disadvantages of the following two mortgage types. Standard FHA loan - using this loan, my pre-qualified amount will only allow me to purchase a not so nice home in a less than stellar area. However, any and all appreciation in the home will be mine. Shared Appreciation Second Mortgage - using this City funded program, the City will pay up to 60,000 over my FHA approval amount to get me into a nicer home in a good area. Using this option my down payment is minimal. However, the Shared Appreciation Note has a catch. When I sell or refinance the home the City loan becomes payable, as well as 20% of any appreciation the home has gained. So at this point I can either pay more upfront to get into the cheaper home, or I can pay more down the line using the City program to get into a much nicer home. Any thoughts or suggestions? The Shared Note has no time line. There is no minimum time one must remain in the home, and the second mortgage matures at the same rate as the first. In addition, should I do any work on the home, the cost of the work and the an appraisal value the added worth it gives the home will be taken out of the home appreciation prior to the City program factoring their 20%. For example: if I buy a home for 150, using 20k from the City program, & after putting 10k worth of work into the kitchen, the home appraises for an addition 30k at 180k. If when I sell the home it goes for 250K, the home would have appreciated 70k since the original mortgage. Out of that, 30k is due to wortk I put in and as such is mine. From the remaining 40k, the City program would get its initial 20k back plus the 20% = Total of $ 28,000. Best answer for Shared Appreciation Note vs. FHA Mortgage?:
Answer by golferwhoworks with out knowing all the terms then we have no idea. Some of these appreciation notes are for a much longer time than a normal note and the other thing is they have a time frame in some of them where you cannot for XX =years refi or even sell. Standard FHA always works but be sure what you are signing as trying to get out of a city note down the road can be very hard to do additional It sounds like you have throughly investigated the program but just by making some upgrades may not get you as much added value in this economy so spend that money wisely if you go with the city loan
To get the best rate on a private loan, a parent will likely need to co-sign for the loan since students generally have very thin or nonexistent credit histories. Although it's not necessary, Sallie Mae says 90 percent of the loans originated last year ... Private Student Loans 101: How The Terms Differ
studentloanwithoutcosigner.org Do you have bad credit but need a student loan? If so you are not in as bad of shape as you may think. There are many federal student aid programs that specifically target people with all kinds of credit. If you have bad credit and no cosigner than the easiest loans for you to get will be from the federal government. The stafford and perkins loans are given out based on the financial need and not the credit history. Bad Credit Private Student Loans Without a Cosigner - these are more difficult but are available. Visit studentloanwithoutcosigner.org for a list.
Student loans are wonderful things when you are in college. They help your dream come alive for your chosen career. There are several options when it comes to student loans though, and it is important that you know about them. Student loans with no co- signer are rare. Most private institutions will not award a student loan to anyone who does not have a co- signer. This is due to the risk the student poses regarding repayment.
Most students are just starting out in their education process. They typically do not have a job in the first year of college. They also tend to work part time during college in the following years rather than full time, since they are attending classes full time. Since these students are beginning their adult life they also do not have much of a credit history. It is this lack of credit history and paying off loans which concerns the banks.
They do not know whether you will pay the money back once you graduate or not. They are going on faith. The risk in this situation for the bank tends to look too high, without a co- signer to back up the student.
This is why the student loans with no co- signer are rare. They do exist though. In a situation with a private lender the only way to get a student loan with no co- signer is to have a solid credit history. If you already had a car loan that you paid off or a mortgage you will discover the lender is more willing to lend money without a co- signer as long as your credit scores are in good to excellent condition. Graduates going on to masters programs can usually find student loans with no co- signer. They tend to have more of a credit history. This is not always the case.
Your other option when it comes to student loans with no co- signer is the federal government.
The federal government offers the Stafford Loan. They do not award the loan based on your credit history. Instead they look at the institution you will be attending, your degree program, housing needs, and whether your parents are able to contribute to your education. They will then decide how much to award you. If you are independent on your taxes from your parents you are able to get the loan without a co- signer through the Stafford Loan process. Related Student Loans - No Cosigner Needed Topics
Answer by Richard Capital One and Orchard Bank both have credit cards for people with poor credit. Orchard even has secured credit cards (you give them money as collateral for a credit card). Be careful if you use these, their way to make money is to wait for you to mess up and charge you fees. If you're careful they're a good credit revival tool. That and time, lots of time (7 years will fix almost anything)
Answer by Mary College and university financial aid personnel can direct you to sources for money. (If English is your primary language, please spend some on some classes in English grammar and composition!)
Answer by ROBERT I can barely read your question but think I know what you are asking. If you are talking about references then: The people you list as references are a a sign of your character and certainly I would expect my references to be checked out to show my character.
Answer by Rudy A co-signer is a second person who guarantees to pay off the loan and commonly starts to become involved when the primary borrower does not have any or a poor credit history, students most often have few or no credit cards, no vehicle loans and very rarely a house mortgage loan, as a consequence he or she have little or no credit history and as is the circumstance with a range of us in our youth, they could possibly have made a few unwise choices, he or she could have gone over and above what they could possibly pay back on a credit card and even been irresponsible about commencing repayments. If you are looking for the best and fastest loan website, check out this site http://Best-Fast-Loan-USA.info Here you can get the best rates available for you just in one hour
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Nowadays it is easy to obtain information regarding almost anything in the world. With access to the internet, information is just at the fingertips. It is also no longer difficult to apply for anything these days due to the ever-evolving technology of World Wide Web that enables almost anything from university application to mortgage loan application. Buying a house is made simpler and less of a hassle as there are many companies and agencies out there that are competing to get people to apply to their program. Shopping for a mortgage loan is not as tedious as it used to be. Many websites with search engine functions such as Home Account and E-Loan enable customized online consultation to visitors looking for the home loan that suits their budget and financial planning. All you have to do it to key in the information needed such as the following to get your customized quotes: ·  Loan type (home purchase loan, refinance or home equity loan, etc.) ·  Property type (define the type of home you wish to purchase or already own) ·  Financial status (credit score, foreclosure and income sources) ·  Type of mortgage (with fixed or adjustable interest rate) The information they ask for are specific enough for them to tailor their suggestions according to your background but are not too specific that you would feel uncomfortable in divulging such information to an online form. Based on the information you provided, they will advise you on the best possible options and even a list of potential lenders from whom you can apply for a mortgage home loan. The beauty of this system is that you won’t have to search for potential lender and contact them yourself. Your information will be sent to potential lenders and these lenders will be the one initiating contact. If you were to do this manually or the old-fashioned knock-on-doors way, you will have to spend time and money searching for lenders and calling them to inquire about the home loan programs they offer. By submitting some crucial information about yourself, lenders will contact you to tell you all about their respective home loan programs and you can ask them as many questions as you want. The downside is that they have a tendency to keep calling you to get you to sign up with them so clarify that you will contact them and not the other way around. After receiving information on the programs they offer, the rest is basically up to you and you will still need to consider these online mortgage loan programs by analyzing the same criteria that you would a regular mortgage loan. You will still need to ensure that the lenders are not only licensed and registered but also the programs that they offer you are legit. There are just too many online scams going on and you don’t want to be another victim. Once you have decided on the best loan provider and program you can proceed to fill out all the necessary paperwork. You need to be very aware of every single clause there is on the document and do not hesitate to ask your loan provider on anything and everything that you do not understand. They do not usually like being bombarded with all sorts of questions but as a customer you have a right to know what you are getting yourself into. With so many mortgage loans available on the internet, it is relatively easier to find the right loan provider and program. But the basic rule of thumb is still the same as it is with any other mortgage loan provider. In fact, you probably need to be extra careful and thoroughly weigh in your options and check the reliability and reputation of the loan providers listed on the internet. Take extra care and don’t allow yourself to become victim to another scam. Recommend Online Mortgage Loan Application Issues
Answer by Carlos L Hi, There are many ways to market a small business on the web. You can buy banner ads, text links, or use PPC. However, the best way is to get listed in a bunch of portals. Portals and directories are like phone books, and they often provide a lot of traffic because they tend to rank high on Google. This portal is giving away a free business card holder for lising your business (I got mine a few days ago in the mail). If you want to know about some other portals, just let me know. http://www.directoryexclusive.info Best of Luck
South Africa will ensure that its funding for poor students as well as strong performers at the country's universities and colleges increases every year, says Higher Education and Training Minister Blade Nzimande. He was speaking at the Cosatu ... Many ... SA 'Will Keep Growing Student Funding'
(www.abndigital.com) In the United States, it is thought that a student loan bubble is about to burst and has the potential to be worse than the housing crisis of 2008. This is as student loan debt approaches trillion which is more than what Americans are borrowing on their credit cards. The same may be happening in South Africa, and ABN's Nonkululeko Moeketsi investigates.
If it's variety you're after, you've come to the right place. South Africa has an enormously long coastline ranging from about 35°S to 27°S, which isn't quite within the usual range for tropical diving.
But the Mozambique Current flows down our east coast, bringing warm tropical water with it, and at Sodwana Bay we have the most southerly coral reefs in the world.
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Here you'll find the full complement of pretty colourful fish and some great nudibranchs, including the outrageous Spanish dancer.
Whale sharks, turtles, dolphins and ragged tooth sharks are often seen in specific areas.
As you head down the coast the underwater environment changes gradually until, once you reach Cape Town, you're diving in chilly but beautiful kelp forests. There are three major types of kelp, and a short portion of the Western Cape coast is the only place in the world that they all grow together.
If you've always shunned cold water diving, consider it. Sure, you have to don a thick wetsuit with constraining hoodie and gloves, but it's worth it. Diving in kelp is like walking in a forest - you float beneath the canopy and admire the surprisingly colourful reef life.
Off Cape Town, divers regularly see anemones in colours ranging from electric blue or deep red to pale pink, nudibranchs of almost every colour you can imagine, and a range of small creatures in and around the bright orange and sulphur yellow sponges.
There are dive schools in almost every centre, with a surprising number in landlocked Johannesburg, where people do their training before heading down to Sodwana Bay for their qualifying dives.
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There is even an inland dive resort near Johannesburg, where students can do their first dive or two in a disused quarry. Komati Springs is a much deeper disused quarry in Mpumalanga province, where rebreather, mixed gas and deep diving courses are run.
Take careful note of your no-fly limits, however. A flight from sea level to Johannesburg can take only an hour, but you gain about 2 000 metres (7 000 feet) in altitude - that's without even considering the flight.
This represents a major risk, so adjust your itinerary to include a day of sightseeing, shopping or beach lounging between diving and travelling to Johannesburg.
Question by Moonfairy: Student Loans in South Africa? Where can I apply for a student loan? I've already applied once at FNB and they denied it because of the new credit law. If I apply at another bank, will they do the same? Are there any companies that specialise in student loans like overseas? Best answer for Student Loans in South Africa?:
Answer by working gal There's a company called Eduloan that specialises in student loans. But first try applying for financial aid from the university you're applying to. This is cheaper, because the interest only begins when you graduate. Find out about bursaries from the financial aid office: if this is postgraduate study, there are lots of bursaries you could qualify for (although some are reserved for South Africans). If you can get someone to stand surety, you ought to be eligible for a student loan at a bank. Phone a bank and ask exactly what the requirements are to qualify for a student loan. Then maybe there's something you can do to meet those requirements. Also, bear in mind that you only need to pay the deposit up-front. The rest of the fees you can pay at the end of the year (you don't get your qualification until you've paid them). So that gives you a bit more time to come up with funding. Whatever you do, don't go to a loan shark (the kind of 'instant cash' shops you see in the city centre). They charge exhorbitant interest, and take your ATM card (with pin) and ID book until you pay back the full amount - and they can send thugs round if you don't pay. If there really is no other option, you can postpone registration at university for another year (your acceptance will still be valid) and work to save up.
Answer by MB1810 My sister is currently studying at Potchefstroom with a student loan from standard bank. The banks usually requires some form of surety that the loan will be paid once you have finished your qualification, in my sisters case my parents signed as surety for her loan and are currently paying only the interest portion of the loan. In addition to this you need to prove to them that you are serious about your studies, by giving them good matric results or results from another tertiary institution, because many students call it quits after the first year because of too much pressure.The loans from standard bank amounts to a Maximum of R30 000, which basically means it's just enough to cover your course, your lodging will have to be financed by another means unless you can obtain a scholarship from the university. I suggest you try the other local financial institutes before turning to an overseas company.
Answer by Anria A Do not trust an overseas company that will give you a loan, they are loan sharks and the interest will kill you. No respectable UK or US bank will loan to an SA student unfortuneately. As said in a previous answer, try Standard Bank. It is best if you go with your parents, and you need proof that you can pay it back, eg good matric results will prove you wont leave the course half way through, and if your parents have a house, that is insurance for the bank that, if you dont keep up the repayments, they can sell the house.
Question by hydroponix_nix_hex: Where is the best place to go to get private student loans? I, unfortunately, am required to get private student loans to fund the rest of my education. I'm going to do a little bit of research on my own and try to find someone with less fine print and better interest rates, but for any of you that have experience with private loans or maybe even work for a financial aid center and could help me narrow my search down to a few select places that would be great. Best answer for Where is the best place to go to get private student loans?:
Answer by iSkateBoardNPinkDunks Sallie Mae
Answer by bshell44 Check with whoever you ban with, and see if they offer education loans
Students typically have two main options when it comes to borrowing money: a federal student loan or a university payment plan. The majority of students who receive private loans don't get great interest rates because they don't know how to build a ... Facts You Didn't Know About Private Student Loans
Most students will receive information about loans â€" both federally funded and private - from their college's financial aid offices soon after acceptance to the college they plan to attend.
Students, or their parents, should fill out a FAFSA or Free Application for Federal Student Aid. They'll need to have up-to-date tax information to do so. The FAFSA will alert the college or university as to the student's financial need.
Many students will be offered some sort of federally funded aid â€" perhaps subsidized Federal loans if they have financial need, or unsubsidized loans if it's deemed that their need is not so great. Any sort of Federal loan is generally a better "deal" for a student than a private loan from a bank or other lending institution.
Many students, though, may need to borrow more money than they can borrow from federal sources, or, for one reason or another, may have to take all of their loans from private sources.
When deciding on which private loans to apply for, students should check and see if their lending institution charges a fee and, if so, what that fee is.
Most students will look for low interest rates but some forget to look into the fee charged for the loan, which can make the loan much more expensive if the fees are high. It may be better to choose the loan that has the higher interest rate but has no fees or low fees. Occasionally lending institutions that don't charge fees are simply adding the fees to the interest rates. Fees that add up to 3-4% of the loan are about the same as a 1% hike in the interest rate.
A long time to repay private student loans will probably be appealing.
Keep in mind that a low interest rate plus taking a long time to repay a loan adds up to a lot more money in the end. A shorter term, higher interest rate loan, can cost less, if the student thinks that he or she can afford the higher payments upon graduation.
If a student, or his or her parents, has excellent credit and a cosigner with excellent credit, they may be eligible for the best loans from private institutions. These loans generally offer interest rates of the prime rate minus .5%, or LIBOR plus 2%. They will not have fees. If you can get a loan that depends on the LIBOR rate you will probably be getting a better deal than a loan that depends on the prime rate.
Before taking any loans, a student, perhaps with the help of parents, should sit down with counselors in the financial aid office of their college or universities. These financial professionals should be able to point the student in the right direction as to the best places to apply for student loans.
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The mid 90's was a dire time in Kabwe, Zambia. HIV/AIDS had been gaining momentum for some time, facilitated by widespread ignorance, stigma and denial. The proportion of the population affected directly or indirectly by the HI virus was spiralling out of control. As parents died, grandparents took on the responsibility of stretching their meagre resources to care for the growing population of orphaned children. As if this wasn't enough, the economy in Kabwe was also dying. Almost overnight the region's copper mines halted to a stop as the international price of copper plummeted. This economic shock snowballed leading to the bankruptcy of textile factories, zinc and lead mines (see photo above) and the privatization and downsizing of Zambian Railways. The citizens of Kabwe were devastated. It was during these crises that a handful of caregivers decided to organize Chindwin Home Based Care (CHBC). These caregivers volunteered their time and resources to care for the overwhelming number of individuals crippled and housebound because of AIDS. These efforts operated with little government support during a time when the prices of antiretroviral medication were exorbitant and beyond the means of nearly all Zambians. After a few years of fighting an uphill battle, some of the caregivers decided to develop a microcredit program whereby caregivers could invest in a savings fund. The fund acted as a source for community members to secure loans and as an investment opportunity ...
Chongwe River House is located in an excellent game viewing area lying between the mighty Zambezi River and the Zambezi escarpment is known as the Lower Zambezi National Park.
Occupying an area of staggering 4000sq metres the park is home to the bull elephants, big cats and many species of antelope that this area is well known for and can easily satisfy the appetite of the most avid game watcher. The riverene areas of the park provide extensive birding opportunities and fishing activities.
The Zambezi River is 1.7km wide at the point it meets a quiet tributary called The Chongwe River and here sandy islands bursting with reed beds provide excellent feeding grounds for the land and airborne wildlife. Gliding past these islands in a mokoro smoothly paddled by one of the experienced guides provides a unique vantage point to watch the animals and birds.
Standing on the banks of the Chongwe River, close to where it meets the Zambezi, lies Chongwe River House. It is a totally private, sumptuously comfortable residence having both excellent game viewing on the river and a breathtaking vista of the dramatic escarpment, perfect for a luxury safari.
The house can sleep eight guests and is ideal as base for a family or group of friends wanting a safari of total privacy, personal attention and luxury. Sensitively built and furnished from materials taken from the nature all around it, the house is equipped with four spacious double bedrooms each with a king sized bed swathed in acres of netting and having a view of the bush or the escarpment. The en-suite bathrooms have a waterfall shower and basins carved from wood and white marble and here too guests can enjoy fantastic views as they bathe!
Chongwe River House is fully staffed with its own house manager, private chef and guide totally dedicated to create and deliver the best experiences of dining, relaxation and game viewing - in fact your tailor made dream safari. Being totally private the plans of the day are flexible and individual to the group's or individual guests' needs and timetable.
This is never more important than when taking into consideration the needs of children and the total adaptability of your private chef for example can eradicate any issues with meals or mealtimes to ensure a stress free holiday. Likewise the privacy enables total freedom concerning their boisterousness and the staff are more than happy to entertain their young guests by playing games or allowing them to help in the food preparation. Whilst this is an ideal location for families there is a minimum age of seven years which has to be taken into consideration.
In addition to the private guide, guests at Chongwe River House have exclusive use of vehicles, canoes and a boat together with the services of an armed scout for those who wish to venture out on a walking safari. Equipment is available to try your hand at fishing and you may be lucky to land a famous tiger fish - quite a memory! A stay here is tailor made both inside and outside the House.
For those that prefer to relax on the deck shaded by a huge winterthorn tree with a cool drink no opportunities will be forgone as it is common to see elephants crossing the river and impala, kudo and the like will all come to drink at your own private viewing gallery. Related Chongwe River House, Zambia Topics
Question by vanillacream753: Does my husband have a personality disorder or is this typical male behavior? I will not go into details because that would be a book of all the things my husband has done. I think it is time for me to move on but I really dont want to because we have a 16month son together and plus I just dont want to divorce him and try to work things out. But I feel like I am the only one putting an effort towards that. He seems to not care at all about our marriage problems. Sometimes I make an excuse saying maybe this problem is a cultural one. He is from Zambia Africa and I am African American from Texas. Please give me some advice. My husband: acts arrogant and cocky like he has no time for me or my problems seems to be looking down on me like he can get someone better doesnt apologize or admits he is wrong when clearly it was proven makes me feel like the guilty person when he has done wrong doesnt acknowledge my feelings when I have a problem ignores me when I cry is nonchalant when I threaten to leave or move out.. doesnt show any interest in my life will still have sex with me but does not kiss me or do any foreplay secretive.. got a loan for $ 4000.00 and deposited it into his business bank account which I dont have access to. constantly lies to me in my face about little things cheater.. found recorded videos of him sending another lady and pictures of him with his shirt off.. when I confronted him he said that was a long time ago and he had to tell her no because she was pursuing him (again, never apologized or showed any type or remorse for his actions) ungrateful and lazy: doesnt help me out around the house and when I mentioned it he got upset and said he would wash his own clothes from now on... but thats not what I meant.. i have no problem doing those things just would like some assistance sometimes or appreciation. I work a 12 hour shift, in school, and have a toddler to take care of. Not a maid or homemaker There are more things but these are the main issues I have.. I have spoken to him repeatedly about these problems over the past 4 years and nothing has changed.. has actually gotten worse since we had our son... Your advice is appreciated. craig b: What you have said is very untrue. I never said he has been like this the whole time. Actually I didnt see alot of things I do now. People do change and he has. We were together 6 months before we got married which is too soon I think now. And the only thing I noticed was I caught him in a couple of lies but I really didnt think that was a going to be a continuing problem because he showed me how sorry he was and that he really wanted me. Now all that has changed. Best answer for Does my husband have a personality disorder or is this typical male behavior?:
Answer by PEGGY S In short, you are describing a typical male chauvinist pig!!! He is a man that believes that the world revolves around him. You will never change him. Next time watch for those "Red Flags" BEFORE you marry. They are always there, but we tend to ignore them, because we truly believe that this person can be a better person. Unfortunately, if they really wanted to be a better person, it would not take you or me to change them. They would do it for themselves!! So sorry you had to experience this, but I truly hope you will be more careful next time. Not all men are arrogant, egotist, with no regard for anyone else.
Answer by ashwin Ask directly whether he is having affair with some other lady?
Answer by Clo is back ! Four years and a son after, with this behavior, I would have dumped him already after the first year ! He is the ultimate "macho man" and if you feel as if he's worth fighting for, well go ahead but I just don't see that he will ever change. And no, my husband, is not like that. I would simply not allow it, with kids or not !
Answer by jeff Well has it ever jumped into your head that's hes doing that because he wants you to leave, he doesn't love you anymore, or because he wants to be alone or with someone else? Well it popped in mine. Something is stopping him from telling you whats on his mind, and his feelings directly and that why hes acting the part. Do YOURSELF and your BABY a favor and leave. It would be better off for the both of you if you found someone that would love the both of you and not treat you like a pet! I think he is and has cheated on you to. Have you ever heard "your actions speak louder then your words"? Well his are screaming for you to leave, that he doesn't care, and that he doesn't want to be with you. I'm sorry. Im not trying to be a dick or anything but Its true. It might hurt and maybe that's why you haven't excepted it or didn't do anything about it because you don't want to believe it. Well im sorry to say but you have to. If not for yourself but for your son. Do whats best for HIM if you won't do it for yourself. No man is worth more then your son... or at least shouldn't be. Sorry about your boyfriend though. You deserve better!!! Hope I helped :)
Answer by Observer Stop the nagging. Men don't like women who can't stop complaining. One of you need to be humble. I don't think it's going to be him. To prevent a war, it's up to you.
Answer by craig b These are things are/were his character BEFORE you got married! Were you blind? This is also a very common characteristic of African males. They are raised to be the dominant one which some women like - obviously you did or you would not have been attracted to him in the first place. Now you know that dominance has NO PLACE in marriage! It's to be equally submissive unto one another. He will never change. You asked for and got exactly what you saw! I have no advice for you. You bought the package that was wide open when you purchased it.
Answer by grahod Your mistake is threatening to leave or move out, then not following through with doing what you say you're going to do. NEVER threaten to leave unless you really mean it. When you don't follow through with doing what you say you will, this just tells him it's an empty threat, and he will then know that he can do whatever he want to do and you won't do anything except be a doormat for him. He has no need to compromise when he knows that you aren't going do anything but cry about what he does. Be strong, do what you say you're going to do, or don't say it. Do you really want your son to grow up to be as selfish, and inconsiderate as his father is? Teach your son that his father's behavior is unacceptable, that a real man would not treat their wife this way. I'm not saying to verbally run his father down. I'm just saying to teach him by your example of being a strong woman. Show your son what a strong woman will accept and what she won't accept from someone who is supposed to love her.
Answer by free_angel Divorce him already and refuse to have him as a role model for your son.
Answer by Bubbles Your choice, dump him and make your life simpler or if you wish to save the marriage than I advise you ignore him completely. Make him wonder why the sudden change in you. The best medicine for man like this is always the silent treatment. But there is a catch.....do your duty as usual but completely ignore him. Show to him, whatever he does wont affect you...... My grandmother recipe never fails.....
Answer by Bill C Do you know that saying 'monkey see, monkey do'? Well, what your son sees, he will eventually learn and become. To him, this is how men treat women. This is what he is learning. Regardless of culture, these are all moral issues and in fact, it raises more questions than it answers. You have a certain duty of care for your son, again, a moral issue, but something that you need to pay serious attention to. What would you say to your son's wife if she came to you with these issues? Now consider this perspective. If you leave and head for divorce court, your lawyer can have all assets frozen until the issues are sorted out. This man you are with is passive aggressive and is seemingly uninterested in you as a human being, let alone as a wife. You are there to do his things, raise his son, *uck him when he wants and feed his lazy *ss. If he gets upset about you asking for help, wait til you ask for a divorce. He'll be out of his mind. I bet he has a real love for money and business right? Well, as we all know, a divorce can ruin a guy financially or at least, make him feel that it is. After four years of you expressing your feelings and tolerating his behaviour, you need to make a choice. If in doubt, remember how this all affects your son.
Answer by brwneyedgrl I think its alittle bit of both.. culture and just being a man.. because im pretty positive in his culture the man runs the show and the woman just caters do them.. But some parts are just male characteristics.. the fact that men dont run on emotions and some men are actually able to tune out women when they get emotional , or become emotionally needy The fact that he doesnt freak out when u threaten to leave, is probably 1. he doesnt believe u'll do it.. 2. he's smart enough to know ur looking for a reaction and not willing to let you have it to think u have control of his emotions even if it does bother him.. Most men dont like to have to admit they are wrong about anything, and some men dont appologize in words but by their actions.. So i think its alittle bit of both, the i am man i control what happens , and your the little woman i dont need your permission for anything.. and some are just typical male traits that alot of men seem to share.. the question really is.. Is this what u want from your marriage? How long can you go before you either make a true stand or give up your own needs and wants? You can try your hardest to get someone to change, but if their not willing to it eventually falls back on you to decide if you can live this life or not and if its healthy for your child to be raised in this relationship or not because although u can not always change someone else, the one person u can always change, is yourself so its your choice..
Answer by GenuineGemini No this is not typical male behaviour. Your husband doesnt not appreicate you and you being with him will drag you down. If my husband did this to me, i would have left long ago with my kid. Your a working woman and from what you have written, i think you have a good head and heart. If your husband is not willing to work on the marriage, please do not waste your life and time with him and be his slave. I am really sorry to say this but my friend got married to an african guy who did the same, he kept cheating on her and treated her like trash. She ultimately left him as she was going crazy and depressed. The first year was really hard for her but now, she has bought a house, has her two daughters in school, she has met are really nice guy and is so happy. You owe it to yourself to live a life of dignity and respect and dont let anyone take that away from you. He is probably showing no interest because he is pre-occupied with another woman....sick ba*stard..... Give him his last 3months with you to change and he a good, responsible father and husband, if he aint doing that, you move on gurl. Good luck
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Gone are the days when getting a payday loan meant finding, copying and faxing documents to the lender. No fax payday loans are a quick and easy way to get money when you find yourself with a financial emergency. Simply by filling in an online application and submitting the form, a person can get from $ 100-$ 1500 in as little as an hour with no credit check and no faxing necessary.
The applicants should be over the age of 18, have steady income and a current checking account. They must also be a legal citizen. If these criteria are met, the loan is approved within moments and the money is in the applicant's bank account within 1-24 hours.
Emergencies happen and there are just times when one cannot wait until their next payday to take care of pressing business. With no fax payday loans, the short term unsecured loans are granted for a period of time between 2-4 weeks.
Interest rates vary but generally are a bit higher than traditional banks. A word of caution; some paycheck advance loan institutions charge much more than other lending institutions. Be sure to check the terms and conditions carefully. It could mean the difference of paying 20% interest or 30% interest.
When the loan comes due, the lender normally just withdraws the money out of the bank account which the loan went into. If there will be a problem and the money will not be in the account, be sure to contact the lender. There may be something that can be done to extend the loan and save you overdraft fees.
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Dublin is the modern center of industry, economy, administrative functions, the arts, and education and the contemporary and historical center for the island of Ireland. Dublin is the fastest growing city in European, is consider a global city, and is ranked among the top 25 cities in the world. The city is located in the center of the Dublin area, at the Liffey River, near the center of Ireland's east coast. Dublin is capital of Ireland. In Dublin advertising can be time consuming and expensive. Fortunately there is the Dublin classifieds which is safe, legal and easy to use. This website allows buyers and sellers to advertise, and buy and sell services and products for free. It is an international website that has Irish branches that permit you to advertise your service, products, and business on the Internet in a classified advertisement. This website can be used to promote your business and this website will sometimes offer you a partnership for exclusive featured advertisements.
The Dublin classifieds advertisements will most certainly get your business noticed. In addition to running your classified advertisement on the Internet, this website will run weekly newspaper and magazines featured advertisements which will provide even more free exposure. Although there are some newspapers and magazines that will provide free advertising for some businesses that they think their readers will find interesting, the results aren't going to be as good as on the Dublin classifieds. However, for the best results, maybe you should consider advertising in all three. The best way to do this is to contact the Editors of the newspaper and magazine and explain what your business does, who you are, and why you think you deserve free advertising. If they happen to agree, usually it's an efficient process and you might have your business in the newspaper and magazine the next day. Sometimes, if the newspaper or magazine finds your business interesting, they may even run a story about your business. Another way to get your business noticed is to post in targeted forums. If you make a number of posts in the forum your link will be advertised for free to a target audience in that same number of pages. That's just some of the ways to get useful, legal, and free advertising for your small business in the district of Dublin. Classified advertising on the Internet is the best way to get exposure for your business. Suggest Dublin Classifieds Topics
Question by jessicaudd: Zero down home loans? We bought our house 2 1/2 years ago with zero down. We now have to sell the house and move to the other side of the state due to my husbands company transferring him. We are hoping to just break even with our house. We will have no equity out of the house when all is said and done and no money for a down payment. Are there still zero down home loans available out there so we could purchase another house? Best answer for Zero down home loans?:
Answer by jlf Not any more, unless you qualify for a V.A. loan.
Answer by anonimitie Negative. Zero-down loans contributed to the financial crisis and have gone away.
Answer by Klaudia Hello, These loans are already gone so you will have a problem getting it. But there might be some other option with low down payment, so you should contact real estate agents in the area you move to.
Answer by Lauren When applying for a home loan your credit report will be reviewed and you may be required to provide a number of other details, including: Employment and income records, Tax Returns for the last few years List of assets, List of liabilities and what you owe, Your budget showing monthly living expenses so that you can demonstrate an ability to pay. http://www.worldbestloans.com/homeloans.htm With this information you and your lender will be able to determine the kind of home loan and size of the right mortgage for you. In some cases, you can obtain a pre-approval or pre-qualified certificate, which shows how much you can borrow so that you can then shop for homes in an appropriate price range.
As a loan originator, I get lots of questions from home buyers and Realtors about 100% financing. After the recent home mortgage meltdown crisis, nearly all 100% financing options went bye-bye. USDA, however, did not! There are a few basic limitations, however. The main two are income limitations (maximum family income of a family 1-4 people is roughly 000 in Indiana), and location (house must be located in an approved area). Here's the link to the maximum income limits for Indiana: eligibility.sc.egov.usda.gov And here's the link to see if the house you're considering qualifies location-wise: eligibility.sc.egov.usda.gov For questions about the USDA program, FHA loans, VA loans, and every other conceivable type of home loan / home mortgage program, please contact me, Chris Sanderson, the Tech Savvy Lender, at 260-414-3511 or mrchrissanderson@ruoff.com. For more home buying and refinancing tips, please head over to www.techsavvylender.com. To your abundant success, Chris Sanderson
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Before, there are actually lots of mortgage programs offered with zero down payments. However, this is not the situation happening in the market today. If you are persistent on finding a no down payment loan, you really have to try very hard and exert more effort because this will not be a very easy hunt. There may be some loans still left offering no down payment at all, but you might need luck to become eligible for it. When you decide on things pertaining to loans, make sure you really think about it very carefully. Do you think getting a zero down payment loan will make much difference if you get a regular loan? Consider the advantages and disadvantages of different types of loans first. Before you formally start the process of buying a home, let us say, a Destin real estate property, you have to be ready will all the financial matters so you have less things to think about when you start looking for Destin Homes for Sale.
You can start searching online for Destin MLS. If you are still having problems as to where to find cash for the down payment, below are some ways you can consider: a. USDA Rural Housing Loan Loans of this type is made available so that more interested buyers will be encourage to purchase residential properties in the rural areas designated by the government. Terms and conditions of USDA Rural Housing Loans are very flexible so you may want to discuss your plans to the creditor first to make sure you are treading the right path. b. VA loans To be able to be eligible for a Veteran’s Administration Loan, you have to be a former member of the Armed Forces of the country. You have to get a Certificate of Eligibility to apply for this loan. Veterans are the major beneficiaries of this type of loan, and if you are one of these people, make sure to talk to a mortgage professional to know more about it. c. Local bank You can shop around for loans offered in your local banks. They usually have mortgage programs for the legal residents of the area. There are actually small banks that offer a zero-down payment loan for first time home buyers. Before, there are lots of loans from local banks offered without requiring a down payment, but the number decrease so much in the last years. Your buyer’s agent may have some knowledge about this loan. d. Credit unions Go to credit unions you are a part of and inquire about home loan programs they offer for their members. Financial institutions like credit unions are very helpful for interested home buyers. e. Employers There are still companies and employers today that give loans to their trusted people with zero down payments. Try to inquire if your employer is one of the remaining few who still gift their employees with a loan or a 3.5 percent down payment grant for the property. Talk to your boss and maybe, he or she can provide you a benefit like this.  Recommend Loans with Zero Down Payment Issues
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If you are a promising and resourceful American citizen hoping to establish a new and exciting career in business, government loans are a great place to start investigating your financing options. The government offers hundreds of generous financial investment opportunities for enterprising Americans of all ages, races, religions, genders and ethnic groups, as well as a surprising amount of free government money in business grants. If you are determined enough to locate the local government agencies that offer this assistance in your area, and determine which types of funding you are eligible to qualify for, there is a great possibility that you can begin operating your new business establishment within as little as a few weeks, without having to spend a single cent out of pocket to cover your start up costs.
There are two basic procedures used while utilizing business government loans.
The first, and usually applied to businesses of smaller capacities, is a direct government business loan. This is a moderately sized, repayable cash award that is given directly from the government to you. The interest rate is favorable low and payments are made directly to the government. In some cases the monthly payment amount will fluctuate accordingly to profit margin, of course requiring you to provide monthly progress reports on your business to the government. You, in some instances, may be able to make a pre-set payment amount agreement and forgo the monthly reports all together.
The second commonly applied procedure is to acquire a government secured bank loan. This is a practice generally executed when negotiating business government loans with larger businesses or corporations.
This procedure is a bit different. The government itself does not actually loan you the funds. What they do instead is guarantee an outside lender that if you are to default on your loan, the government will back you up and foot the bill. Perhaps not entirely, but depending upon the strength and odds of success your business proves to show, it can sometimes be up to one hundred percent. The larger your government backing, the lower your interest rate will be. In either case, government secured business loans will eliminate the requirement for collateral.
The third and most desirable form of government financial aid is the business grant. While much more difficult to achieve than business government loans, they are much more favorable investment opportunities because they are loans from the government that you don't ever have to repay. Virtually free government money that is invested into developing your business. The grant writing process is long, tedious, and very detailed, but the rewards are too great to dismiss the opportunity of achieving one, or several government small business grants.
Depending upon exactly what type of business you are interested in establishing, you may qualify for one, two, or even all three of these magnificent free government money opportunities to help get your business up and running. The government is more than willing to help you...let them.
Answer by Joseph The Small Business Administration is a good place to start.
Answer by melvinschmugmeier You will need to start by putting together a business plan that you will be following with your business. This plan will help explain to someone that may give you money.
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www.carloan4u.co.uk. The UK's leading car finance website Car Loan 4U comments on the new Peugeot 208, which will go on sale at the end of this month. The new Peugeot 208 will be available to purchase in the UK from 28th June* and car finance experts Car Loan 4U could help provide motorists with credit options to drive away the new model this summer. Available in both three and five door models, the new Peugeot 208 is an update on the car manufacturer's 205206 and 207 models. The new vehicle, however, offers a number of new features and functions that have not been seen on previous models, including an overhaul of the design. The new vehicle is significantly lighter and more compact in comparison to the 207. Despite being 7 cm smaller in length than the 207, the Peugeot 208 boasts of additional legroom in the rear seats. The 208 model also claims to have a new face with a floating grille and boomerang rear lamps. The stylish compact vehicle has also been given an interior re-design, with a smaller steering wheel to provide drivers with more information at a glance. Car Loan 4U Co-Director Ryan Dignan comments; "Peugeot fans are in for a treat this month as the new Peugeot 208 goes on sale. Even those who are not might be swayed into buying the new 208. "The eco-friendly car has lower CO2 emissions than the Peugeot 207 without sacrificing the powerful 1.0 or 1.2 petrol engine. When buying a new car it can be hard to find one that ticks all the boxes, especially when it ...
If you've ever bought a house or a car, or you've made any type of purchase with a store or credit card, then chances are, you've come across the term APR.
APR is simply an acronym for 'Annual Percentage Rate'. When you're shopping for finance, whether it's for a car loan, mortgage or credit card, the APR is there to guide you during your search for the best loan on the market.
Legally, all banks and lenders must provide consumers with information about the costs and terms of a loan, under the Truth in Lending Act. The intention of the Act is to help consumers fairly compare the different loans offered by various financiers, so they can make a decision without being misled or deceived.
Although it sounds simple, the APR is actually based on quite a complex mathematical formula. Essentially, it is a measure of the cost of credit, expressed as a yearly rate.
The APR reflects the amount of money being financed, the interest rate, the timing of the payments, and any other fees and charges - such as administration costs and broker charges - that are associated with the loan.
It would be nearly impossible for consumers to compare all of these costs with multiple lenders on their own, hence the APR.
Because the APR takes into consideration all of the various fees and charges associated with your loan, it is almost always higher than the actual interest rate attached to the loan.
For example, if you have a fixed rate mortgage, the following could apply:
Initial interest rate: 8% Â Loan term: 30 years
Loan amount: £90,000
Total prepaid charges: £2,673
APR: 8.3205%
(Example source: charterfinancial.net)
When advertising any form of credit, the law requires that lenders ensure that the APR is shown more prominently than any other rate advertised on the page.
If you have a fixed rate loan, the APR cannot change during that fixed period.
If you're loan is attached to a variable rate, however, you have no guarantees that the APR will remain the same during the life of the loan. This means that if your bank raises its interest rates, the APR on your home loan or credit card will also go up - but if the bank cuts its interest rates, your APR will likely go down.
If you're looking for any type of loan, comparing credit card APRs, for example, of the different products available is often the best place to start, but it's important to read the small print and consider all aspects of the loan, rather than simply taking the deal with the lowest APR. Every loan has its own set of conditions, penalties and restrictions, so the cheapest rate may not always be the most suitable product for you and your situation.
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Military payday loans are designed for people that work in the army forces. It allows military staffs to get up to 40% of their monthly pay. Just like a standard payday loan, you will get cash on the same day you submit an application. You won’t have to undergo credit check because the information is not necessary for the application.
Because it does not perform credit check, people with bankruptcy and bad credit can apply for the loan without any problem. You don’t have to fax any information. Installment payment options are available to military members who are unable to repay their payday loans. If you have to pay bills but haven’t received the paycheck, you can get over this circumstance by signing up for a military payday loans. The loan amount offered by the creditor range from $ 100 - $ 1500.
You have to fill some information in the fast payday loan application form before you can get qualified.
The basic information required by the creditor includes first name, last name, home phone and requested amount. You will need to provide information about your monthly income so that the creditor knows whether you are qualified to pay back the due balance.
There are many payday loan companies that offer payday loans for military members on the internet. With the existence of online military payday loan companies, military members don’t have to travel to the local branch. Military members will be able to apply for payday loans from the comfort of their own home at anytime they want. The money will be transferred into your account within 2 hours after your application is approved. It is very easy to apply for military payday loans on the internet. You just have to fill in your information in the application form. It only takes 2.5 minutes to fill in your information in the application.
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People have several needs. All needs are different from each other. But there is one thing that can solve all these needs is finance. Having insufficient funds in hand could be a biggest barrier in achieving your personal desires. In financial crunch situation, you may decide you take up a loan but your loan approval might get rejected due to your adverse credit score. Dont be disappointed! Personal loans no credit check is there to help you. These loans come with a facility of no credit check, which make all bad creditors eligible for the loan. Through yourwork you can obtain strong monetary backing to fulfill your several important personal needs and desires, without any constraints. Due to the absence of credit check feature, those having impaired credit status can freely apply and take funds for their needs. Thus all bad credit factors are acceptable here that can be like: Bankruptcy Insolvency Foreclosures Arrears etc. Considering your needs and repayment capability Personal Loans No Credit Check are made available in two forms that are secured and unsecured. Its secured form can be availed by pledging any of your valuable assets as a security against the loan amount. Here you can access huge loan amount in the range of 5000 to 75000 for a longer repayment term of 5 to 25 years at lower interest rate. Conversely, unsecured form of these loans doesnt involve the obligation of placing any security against the loan. Here you can apply for funds in between 1000 to 25000 ...
As the name implies, these personal loans are offered without the lender looking at the credit history of the applicant and they are therefore accessible even to people with horrible credit scores. The biggest downside of these loans is their high interest rates and this is one measure lenders take to lower the risks of losing the amount loaned out. This is even worse when applying for loans without collateral.
The following are some considerations to make when applying for these loans:  Interest rates- the best way to reduce the total repayments that you will make on these loans is to search for lower interest rates. You can move the lenders to allow you such by applying for loans with one of your valuable assets which should act as security. You can also compare offers by several lenders who offer personal loans no credit check to find one who will give you the cash at relatively lower interest rates.  Repayment terms- the terms & conditions allowed on personal loans no credit check are very strict where violating any one of them attracts very high penalties which can greatly increase the cost of borrowing. You should therefore be very keen with the terms you sign for to ensure that you can observe them with ease. It is also important to keenly go through the fine script provided to confirm every detail as some lenders may utilize some parts to come up with other terms.  Speed of processing- there are some situations that require urgent funding and this will necessitate you to look for a quick source of financial funding. One easy way to ensure this is to apply for personal loans no credit check with online lenders as the funds will be processed within a short time of application. Applying for the loans online also has other benefits like:  • Easy application that involves completing an online form • Convenience as you can apply even from your office or home • There is neither paperwork nor documentation  Protection of personal details- you should choose a lender who will protect your personal information as there are some who can misuse such while others resell those details. You can ensure this doesn’t happen by choosing legitimate lenders with good reputation. If you are applying for the loans online, always confirm that the lender you choose has a secure website.  Recommend Personal Loans No Credit Check for Cash up to 00 From Direct Cash lenders Issues
