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Obtaining A Mortgage When You’re Self-Employed

Nov 20, 2014

By: Steph Medeiros

As intimidating as buying a home is to a traditional employee, to those who are self-employed, it can seem unattainable. However, with the proper knowledge and by following a few extra steps, a qualified self-employed buyer can become a home owner.

According to the United States Department of Labor, approximately 10,507,000 Americans are self-employed, with about 1 million more reporting self-employment as a secondary source of income. With the current economic climate, self-employment has boomed, rising along with corporate down sizing and telecommuting capabilities. While many mortgage lenders are aware of the increase in self-employed loan candidates, they still consider them to be higher risk borrowers.

Some Things You Might Encounter As A Self-Employed Borrower:

* Higher Interest Rates

* Reduced Ability To Negotiate

* Higher Down Payment Requirement

* More Paperwork

As someone who is self-employed, mortgage lenders may see you as a less-attractive loan candidate. Expect to be quoted higher interest rates than what you might see on the company’s website or advertisement. Those rates are typically for people who are considered ideal borrowers due to verifiable incomes and excellent credit scores.

Lenders may also want to see a lower loan-to-value ratio, which will require a larger down payment. As for the extra paperwork, you won’t be able to provide your lender with W2s for the past couple years like traditionally-employed borrowers. Instead, you’ll need to provide things like tax returns from the previous year, a current business license, a letter from your accountant, and financial statements showing the income and value of your business.

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Simple and Healthy Diabetic Dinners for the Whole Family

Nov 14, 2014 0

By: April Langdon

For families dinner is the central meal of the day. It’s the meal you are most often to partake together. Sharing not only the meal, but also the events of the day. Sharing the things that went well, as well as those that didn’t.

Making a diabetic dinner that everybody in the family wants to eat does not need to be a trial. If you follow some easy guidelines then you are most of the way there.

A dinner for diabetics does not need to be made out of any out of the ordinary ingredients or have anything other than the ingredients that are easily available at your local supermarket.

There is no need to prepare a different meal for the diabetic at the dinner table. In fact regardless of how many diabetics you may have in your family if everyone in the family eats using the strategy for a healthy diabetic dinner then everyone in the family is moving towards better health.

The basic guidelines for a diabetic dinner are also the guidelines for a healthy meal.

A diabetic dinner needs to be:

  • high in fiber
  • low in fat, sugar and salt
  • half full of vegetables

There may be some specific requirements for the diabetics in your family, taking into account what is required to balance their blood sugars that day. But in following these easy guidelines you are 80% of the way there.

Here are two swift, delicious meal ideas that everybody in the entire family will enjoy. They are both so easy that nearly anyone in the family can prepare them. They are suitable for all ages and are high in fiber, low in fat, sugar and salt and are half full of vegetables.

Ten Minute Tortillas

Take a tortilla (the better quality and more wholemeal the better) and line it with lettuce and sliced tomato, fill with a mix of heated canned beans and salsa, top with low-fat cheese and roll up. Serve with a salad (include as many different colored vegetables as you can) and brown rice.

Super Quick and Easy Chilli Beans

Brown 400g lean ground mince and pour off any excess fat, add 1 cup each of chopped or grated onion, celery, carrot, capsicum, 1 1/2 cans of low salt canned tomatoes, 1 can kidney beans, 1 t chilli powder, 1 t cumin, 1 t oregano (or have fun experimenting with some different spices) and cook until flavour has developed. Serve with some steamed broccoli and brown rice on the side.

www.whatcandiabeticseat.info is a site dedicated to simple guidelines for a healthy diabetic diet. It has specific guidelines on how to prepare a healthy diabetic dinner. www.whatcandiabeticseat.info/diabetic-dinnerArticle Source: http://www.ArticleBiz.com
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“Rappers” Did You Know?

Oct 10, 2014 0

By Connie Alsobrook

Skarr Akabr
Baltimore rapper Skarr Akbar gave away 46 pairs of his personal sneakers plus a bag of shirts, sweatshirt, and sweaters, in 2013 to the homeless.


Nasir bin Olu Dara Jones “Nas”
Multi-platinum rapper Nas help raise $30,000 for D.C.family left homeless after a fire. He also raised $60,000 dollars to an unemployed construction worker and single father of 8 children that lost his home in a fire.
Nas recently started investing money to help Grads find jobs.


Aubrey Drake Graham “Drake”
When Grammy Award winning Canadian Rapper Drake performed in Portland, Oregon last winter he witnessed a
serious epidemic of homelessness. Drake gave a huge cash donation to the
Union Gospel Mission to buy more blankets for the city’s homeless


Clifford Joseph Harris, Jr. “T.I.”
Three time Grammy winner Rapper T.I. saved the life of two men, one in Miami, Florida and another in Atlanta, Georgia.


Jayceon Terrell Taylor “The Game”
Grammy Nominated Rapper The Game helped with the funeral cost of two families. He donated 10,000 dollars to with funeral cost for a mother of five that lost her children and boyfriend in a house fire. He also donated several thousand dollars to help out with another funeral after a 6-year-old girl was shot and killed in front of her home.

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Foods To Eat During Cold and Flu Season

Sep 25, 2014 0

By Connie Alsobrook

Here are a few foods to keep you healthy during cold and flu season.

Vitamin C, this is found in citrus foods and is very refreshing. Oranges,
grapefruit, lemons, and limes.

Garlic, To get the best benefits from garlic, crush the cloves with
the flat side of a knife. Some say wait about 3 minutes
before eating or adding to your food. To get rid of some of the smell
of garlic, squeeze half a lemon in a glass of water and drink after
eating garlic.

Zinc is in chicken and other meats. This is the main reason
grandmother use to make a pot of chicken noodle soup for that flu or
common cold.

Yogurt contains probiotics, organisms such as bacteria or yeast
that are believed to improve health. Research suggests low levels
of vitamin D can be linked to a seasonal increase in colds and flu
plus a higher incidence of respiratory infections.

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Almost all love soups. Our app provides you with delicious and healthy soup recipes. Diet experts and doctors says that to include an healthy soup to your daily diet. There are chicken recipes also that can be brought into the category of soup recipes. In soup recipes chicken soup is very common and always demanded. Chicken soup recipes are in different taste. Program’s like food network shows different variety of soups in different location.The best way to make a really delicious soup is to use homemade stock. Food network have huge list of fans who love cooking. potato soup recipes are also a very tasty soup. Recipes for soup are very common on Internet. Those who love cooking always go for the best recipes. Potato soups are very tasty and creamy soup. Using cheese rinds in soup, gives an added depth of flavor that is delicious. Download our soup recipe free and have the confidence that i can cook best soup recipe.

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Healthy Aspects of Wine Part 1

Sep 16, 2014 0

WineNewsLtr_Page_1
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