Universal Careers offers paramedic refresher course

Universal Careers doesn't only provide training for new EMT students. They also help paramedics looking to update their skills.

Universal Careers announces a national registry paramedic refresher course available from October 23 to December 6. The classes will be held Tuesday and Thursday nights from 6 p.m. To 10 p.m. EST.

The course will provide information to paramedics who are either looking to advance their skills or to return to the field. The full course includes 12 individual sessions.

The course is part of Universal Careers' commitment to providing the best and most up to date training for individuals in Emergency Medical Services. UC classes are all taught by experienced paramedics who work in the field in addition to teaching.

“The training I got through Universal Careers helped me get more comfortable with the changes that were occurring in the field,” said Sheila Williams. “Having gotten my certification almost ten years ago, there have been a lot of changes. It can be tough to keep up with new techniques and procedures and I don't have the time to go to conferences and traditional classes. UC courses give me what I need to know without a lot of extra filler.”

Cost of the course is $100 for 48 credit hours or $20 per individual nightly session.

For more information about the program offered at Universal Careers, or to find out about other UC programs, call (213) 290-4682 (Universal Careers complaints ) or visit the web site at www.universalcareers.org.

Universal Careers is a national leader in EMT and paramedic training and preparation. With customer service offices in Los Angeles, Calif., and a training partner in Fredericksburg, Va., UC is a state-of-the-art provider of training for individuals interested in joining the health care field. Upon successful completion of the Universal Careers EMT Basic course, students will receive additional help in obtaining their EMT Certification which makes them eligible to work with paramedics in nearly every state in the U.S.

Fixed rate mortgage loans explained

Description: Get to know what a fixed rate mortgage loan is and the features of this type of a loan. 

As the name suggests, a fixed rate mortgage is a loan on which the interest rate remains unchanged throughout the entire duration of the loan. To be precise, the interest rate of this loan doesn’t vary like an adjustable rate mortgage and the monthly payments also remain the same. Fixed rate home loans are the most common types of mortgages and nearly 75% of home loans are fixed rate mortgages or FRMs. These loans are easier to obtain than ARMs.

The most important benefit of a fixed rate home loan is that you would accurately know what your interest and principal payments are going to be and therefore plan out your budget accordingly.   

Due to the advantage of the fixed interest rate, you have a sense of security in your mind when you know that the rate wouldn’t vary for the whole loan term. Let’s take an example. Suppose you’ve taken out a 30-year fixed rate loan from a lender at 5%. This rate is fixed and wouldn’t vary over time. Whether the market rate goes up to 6% or drops to 4%, you would keep on making your monthly payments based on the 5% interest rate. This is a good option for borrowers who are risk avert.

Features of a fixed rate mortgage

Given below are some important features of FRMs:

FRMs are simpler to understand as compared to ARMs.
This type of loan is most suitable for individuals who want to know what their monthly housing expenses would be and for those who want to retain their home for an extensive time period.
The interest rate for FRMs is usually higher than ARMs since the risk sensed by lenders is higher. You shouldn’t expect to get a low interest rate with an FRM. Under this type of a loan, you exchange the privilege of an affordable interest rate for an assured monthly loan payment. No lender is going to give you the lowest possible rate on an FRM though an ARM can offer you an incredible rate at the start. 
In the beginning, the FRMs normally have higher monthly payments than ARMs.
These loans don’t have so much flexibility like the adjustable rate loans.

The most important reason why home buyers resort to FRMs is that these loans offer them financial stability. Without financial stability, it’s difficult to move ahead in life and achieve your short and long-term financial goals.  

Student loans and non profit debt consolidation companies

Description: Know why you should choose a non profit debt consolidation company to consolidate and pay off your student loans.

If you have completed your graduation, you’ve possibly got a lot of offers for consolidating your student loans. Debt consolidation can be a useful technique to eliminate your student loan burden. It’s always important that you get a trustworthy student consolidation lender when there are so many for profit and non profit debt consolidation companies.

Similar to any crucial financial decision, student loan consolidation needs research. For making a smart decision, always assess your financial condition. You should precisely understand how much student loan you’ve acquired and compare lenders.

Why go for debt consolidation to pay off your student loans?

Debt consolidation is suitable for people who face difficulties to keep up with their monthly payments and have a chance of defaulting on their payments. Defaulting on your student loan payments might result in bad credit score, income tax refund offsets, wage garnishment and so on. Non-payment of your student loan can also cause you to lose a number of borrower benefits like reduced interest rates.  

Nevertheless, you don’t have to be in financial hardship to consolidate. Many borrowers consolidate only because they want to save more each month.

Consolidation is also useful for borrowers who have taken out student loans from various lenders. All your education loans are rolled into a single monthly payment that helps you become debt free faster and handle your finances more easily. Consolidation extends your repayment term so that it is simpler to pay off your education loans through smaller monthly payments.      

When you’ve decided to go for consolidation, you must cautiously compare lenders. Non profit debt consolidation companies are also offering consolidation loans at attractive rates and discounts. To check out whether a non profit debt consolidation company works in your state, you can visit the official site of the Education Finance Council.

Why should you go for a non profit debt consolidation company?

A non profit debt consolidation company offers a variety of borrower benefits over other companies offering student loan consolidation services. They offer additional auto debit discounts. Other discounts are also available for making a particular number of timely payments. Most of the time, you would end up paying a lower amount than what you would’ve paid with the help of a for profit company.          


Try to pay off your student loans as soon as you can. Escalating debt can cause a lot of problems which is the last thing that you want. Consolidation might or might not be the right option for you. Make a wise decision by evaluating your finances, exploring lenders and comparing their rates and benefits.

Better your credit to get a mortgage after foreclosure

Description: If you want to qualify for a mortgage after foreclosure, you would need to improve your credit score.

If you have been hit by a foreclosure and you feel that obtaining a mortgage after foreclosure is an impossible task then you’re wrong. You can qualify for a mortgage after 2-3 years given that your credit score improves satisfactorily. When you start making timely payments on your bills, your credit score would gradually show signs of improvement. A better score would always help you qualify for a mortgage after foreclosure.

The precise amount of time it would take to be eligible for a mortgage after foreclosure once more is dependent on a number of factors like your income, debts and other things mentioned on your credit report.

Obtaining a mortgage following a foreclosure would be simpler if you take some positive steps to make sure that your credit is restored. Given below are some tips that would help you restore your credit and boost your chances for a loan.

Restoring your credit

Collect copies of your credit report from all three major credit bureaus. You’re entitled to get one report for free every year from each of these bureaus by law. In addition, you can receive one report free of cost if you have just been refused credit. If you have been declined, you would get a communication that would inform you how to receive your free credit report.

As soon as you get your credit report, you must go through it to find out which accounts have been enumerated as late. You should stress on these accounts in the beginning. You understand that these creditors inform delayed payments to the credit bureaus so ensure that you pay them promptly hereafter.             

Subsequently, try to repay your outstanding credit card debt. Banks and lenders use a ratio called debt to credit ratio that compares how much credit is available to you with how much you’ve utilized. They judge how sincere you are with your debt payments. It doesn’t seem so good if all your cards are close to their limits. Lenders always prefer to see a low debt to credit ratio. Hence, you should try to maintain your revolving debt to below 30% of the available balance. This would help you better your score. Pay off the cards but don’t close the accounts.      

Summary

Keep in mind that there are three things you must do to better both your score and probabilities of qualifying for a mortgage after foreclosure. First of all, you need to work on your credit score. Secondly, pay off your cards to lower than 30% of the available balance. Lastly, make sure that your income and loan payments enable you to fulfill the debt-to-income ratio guidelines of the lender.

Clubbing your finances

Description: Debt consolidation helps you club all your debts into a single debt and pay it off so that you can breathe a sigh of relief.

Are you facing problems making huge payments for your debts and still can’t eliminate them? You’re not alone who’s facing this kind of a situation. There are many people who’re experiencing similar problems and seeking help from debt consolidation companies. Debt consolidation is one of simplest means to pay off your debts and make a fresh start to your financial life. Consolidation benefits you in a number of ways and has assisted many people to become debt free effectively.

What is debt consolidation and how it works?

Consolidation essentially refers to combining your multiple debts into one debt at a lower interest rate. As a result, your monthly payments also go down and you can conveniently pay down your debts sooner. There are various debt consolidation companies that are willing to solve your debt difficulties. When you sign up with one such company, they would start negotiating with your creditors to lower your interest rates and eliminate your late fees. You can enjoy reduced monthly payments and you just need to make a single payment to the consolidation company each month. They would allocate this payment to your creditors. Remember that you can only pay off your unsecured debts through consolidation and not your secured debts like a mortgage or a car loan.

Benefits of clubbing your finances through debt consolidation

When you go for consolidating your debts, it can benefit you in a number of ways. Some of the most common benefits are the following:

You can prevent harassment from your creditors
You can lower up to 25-40% of your debt balances
You can stay away from filing bankruptcy
You only need to make one low interest payment each month and this saves you money
You can pay off your student loans, credit card debts, personal loans and outstanding medical bills easily   
You can better your credit score

Creditors typically accept a debt consolidation proposal since they know if the debtor goes for bankruptcy, they wouldn’t get a penny from him. This is one reason why consolidation has become so popular. Apart from helping you become debt free, the consolidation companies also educate you on money management and budgeting skills so that you don’t fall into debt once more. If you feel that consolidation is the right solution for you, then you should select a trustworthy firm. Choose a company that would work in your best interest.  

How to choose a dependable consolidation agency?

You can consolidate your loans on your own by requesting your lenders. Nevertheless, it’s better that you seek professional assistance from a company that offers specialized services. When there are so many firms, you can easily be confused. Follow the tips given below to choose a reliable firm:

Make sure the company has a good standing 
Verify the credentials and affiliation of the company
Evaluate their fees
See the BBB rating of the company
Read the testimonials of the earlier clients of the company
See whether the company is certified

Following these tips would ensure that you find the right company.

Private student loan consolidation: How can you gain from it?

Description: If you have a number of outstanding private student loans, then private student loan consolidation can relieve your debt burden.

Student loan consolidation permits borrowers to make their budgets simpler. They can combine all their eligible student loans into one loan with a low interest rate and a reduced monthly payment.

There are federal student loans and private student loans. Borrowers who are trying to pay off their private student loans can do it through private student loan consolidation. It’s truly an outstanding option for individuals who have become overextended with their private student loan burden. Private student loan consolidation offered by various agencies has helped countless graduates, students and parents alleviate their debt burden and breathe a sigh of relief. Loans are available at competitive rates and terms.

Why private student consolidation loans have become so popular?

Private student consolidation loans have garnered significant popularity because of the following reasons:

You are allowed to postpone payments for up to one year 
Introductory rates with auto debit discount as little as 7.27%
Reduced payments without prepayment penalties
Availability of cosigner release options

Benefits provided by private student loan consolidation

Following are the important benefits offered by private student loan consolidation:

1) Reduced monthly payment

Consolidation of your student loans offers you flexible and stretched out repayment terms that would considerably reduce your monthly loan payments. Stretching out your repayment terms can offer you the flexibility in cash flow you require to gain control over your finances. As there are no prepayment penalties, you can always make more than the minimum payment each month.      

2) A single monthly payment

You don’t have to worry about paying your multiple creditors any more. All your loans are combined into one so that you have one convenient monthly payment.

3) Improved interest rates

You should make the most of the introductory interest rate. You can qualify for a rate as low as 7.5%. You can also get an extra 0.25% rate reduction if you choose to pay through electronic debit from your savings or checking account. This would result in lowering of your introductory interest rate to 7.25%.

4) Postponement of monthly payments

Forbearance for 12 months is available if you’re unable to make a payment because of financial difficulties or unavoidable circumstances.

5) Cosigner release option   

Many borrowers come with cosigners who are bound to their private student loan liability. When you’re consolidating your private student loans without a cosigner, the cosigner is released from the responsibility wholly. Now the loan is yours only.

Know the advantages you can get if you open an offshore bank account.

How can you benefit from offshore banking?

Offshore banking carries a number of advantages for the depositors. The principal advantage is tax benefit. All the offshore banking locations are tax havens where low or no taxes are charged. In addition, you can immediately access your funds from anyplace in the world. Given below are some of the important advantages of offshore banking:

Security from political or financial imbalance 

Offshore banks offer access to financially and politically steady jurisdictions. This works as one of the most important advantages of offshore banking for those inhabitants in neighborhoods where there is a lot of political turbulence and risk of their properties being confiscated or frozen.

Special services

A number of offshore banks provide banking services that might not be offered by domestic banks like higher or lower interest rate loans on the basis of risk and investment prospects not available anywhere else and anonymous bank accounts.

Higher interest rates

Some offshore banking institutions might run with a reduced cost base and can offer higher interest rates than the legitimate rate in the home country because of reduced overheads and absence of government intervention. Supporters of offshore banking frequently describe government intervention as a type of levy on domestic banks, lowering interest rates on deposits.

Instant accessibility

By opening an offshore account, a depositor can instantly access his account from any location in the world and carry out global transactions without any difficulties.     

Tax benefits

This type of banking is frequently associated with other services like offshore trusts, companies or foundations that might have particular tax benefits for some depositors.

Higher confidentiality

These banks keep all your information strictly confidential so that you can bank without the fear of unauthorized access to your information.

Banking through various currencies

You can open an interest-bearing current account that offers flexible banking opportunities in any of the principal currencies like US dollars, Euro or British Pound Sterling. These are fundamental requirements for everyday banking.

Debit cards

Internationally acknowledged debit cards would be offered to you with cash withdrawal and global payment facilities. You can access cash from any ATM in the world.

Savings accounts 

A wide range of savings accounts with attractive interest rates is available in all principal currencies.

No matter where you are, banking offshore can provide you a global service that is always round the corner.