Mortgages and FICO Scores: What’s The Deal Between the Two?

Posted on by Tyrone Archibeque in Money Times | Comments Off on Mortgages and FICO Scores: What’s The Deal Between the Two?

fico passed mortgage house loanHome buying can be one of the most exciting experiences of your life. However, because it involves making one of the hardest decisions that can alter your finances and life in the long run, it can also be very stressful.

Since buying a home usually involves borrowing a huge amount of money, it is necessary that you are well-prepared to handle this responsibility, or you can end up swimming in a big pool of debt. One way to prevent financial catastrophe is to make your FICO score look more attractive to lenders.

The Role Your FICO Score Plays in Securing a Mortgage

Keeping a good credit score is one of the most effective ways to secure a mortgage with low interest rates with the help of a reputable mortgage broker. Salt Lake City lending companies agree that the higher your FICO score is, the greater your chances of finding great mortgage offers. This basically means lower interest rates and more options.

Almost all types of lenders take a good look at your financial history. This is how they can tell if you are a high-risk borrower. High-risk borrowers are those who have low credit scores. They either get rejected or are given higher interest rates because their rating may mean being unable to make mortgage payments on time.

Improve Your Credit Score Prior to Mortgage Shopping

With FICO scores being a major consideration in mortgage applications, this is the first thing you should focus on before you actually shop around for a home or a lender.

To start, get a copy of your credit report from all the major credit reporting companies. Ensure there are no mistakes or discrepancies in it. From there, start coming up with a plan to boost your score and make it more attractive to lenders.

Getting help from a mortgage specialist is also very helpful, as they can guide you towards the right path and help you make better financial decisions. Talk to a mortgage broker Salt Lake City homeowners and buyers highly recommend to find out what you can do to groom your FICO.

The 3S of Student Living in the Heart of London

Posted on by Monique Gates in Dot Edu | Comments Off on The 3S of Student Living in the Heart of London

students in londonWhilst most think about choosing London for their University life, a good number say that it is, in fact, the best choice in order to start living independently and study.This is especially true, since it has been ranked as the third best, for the latter reason.

One of the challenges of living in the beautiful city of London as a student, is finding the right accommodation. Finding your home away from home in any city is difficult enough, but amidst highly coveted locations, finding one that will fit your needs and budget as a student may seem like an impossibility.

Fear not, though, as there are a number of affordable hostels in London fit for the students’ needs. Ones that address the three important aspects of student living.

Safety and Security

Living away from home may be more than just challenging. It is also dangerous, especially if you are still quite naïve and idealistic about the whole thing.

However, if you look hard enough, there are living spaces that provide adequate protection and safety. As establishments are equipped with 24-hour CCTV coverage and personnel at the front desk at all times to assist with your needs at whatever hour.

Expect to go home at ungodly hours for studying or partying, but expect a safe home waiting for you, too.


As a student, it is of importance that your living conditions are nowhere near complicated. If possible, even daily living should no longer be a pain, as schoolwork itself already is.

With enough research and digging, it is highly likely for you to come across accommodations that offer a variety of services to ease your already hectic student lifestyle. There are establishments offering their facilities for you to enjoy, like the kitchen for cooking—some even provide cooking services and cook your food for you.


Despite the purpose of your stay is one purely for your basic need, one cannot simply forgo the need for belongingness, as this is next to food and shelter on Maslow’s hierarchy of needs.

That being said, there are hostels out there that have a wide network to help you out with your needs. Moreover, you will be bound to meet a fellow student in your living space, easing up to the cold and beautiful city becomes easier with the company of like-minded people.

If you are looking for a place to stay in London during your studies, then it is important that it addresses these 3S’s to meet your lifestyle needs.

Divorce, Annulment and Legal Separation: the Degrees of Separation

Posted on by Linda Knight in Digi-Serve | Comments Off on Divorce, Annulment and Legal Separation: the Degrees of Separation

Lawyers for Divorce in St George, UtahDivorce, annulment and legal separation, as how the most seasoned lawyers will tell you, are completely different things. While they all entail separation under the law, these are different as it creates different statuses for former couples.

Learn about their differences to properly educate yourself and help create an understanding during the litigation process.

On The Recognition Of The Marriage

One of the basic tenets of these processes is that they serve to sever the ties of marriage. However, after such severance, there are still different effects. One of the most notable differences in the effects is the recognition of the marriage.

In annulment, the marriage is deemed to be void ab initio. This means that the law denies that the marriage ever happened in the first place. On the other hand, both divorce and legal separation recognizes that the marriage existed and that it is only due to present problems that it could no longer subsist.

On The Status Of The Relationship

In annulment and in divorce, the relationship ceases to exist. This is because there is the act of “dissolution”. In severing of the ties, it becomes permanent and irreversible, explains lawyers in St George, Utah. On the other hand, legal separation still recognizes that the marriage subsists, but the couple no longer deems it possible to live in the same house.

On The Remarriage

In annulment and divorce, couples are free from the ties of marriage. They are no longer legally bound to one another and hence, can no longer be sued for bigamy. For this reason, this means that they can freely remarry and enter into another legal marriage with another person.

It is very important that you learn of the distinctions and relay your preference and most workable situation to seasoned lawyers in St. George, Utah. This way, you know that your rights shall be aptly protected.

Your Water Adventure is Only as Good as Your Boat

Posted on by Linda Knight in Digi-Serve | Comments Off on Your Water Adventure is Only as Good as Your Boat

boatTrue, you can take on the best fishing holes in the whole of Australia, from South West Rocks to Kakadu National Park and trail blaze your way via your camper vans. Still, if you have not the utility of a good boat, you may stick to the old routine of hook, line and sinker and wait for the fishes to come to you, which should take considerably longer than usual. Alternatively, you can embrace the bigger water and decide to explore the sea and the open waters.

However you want to do it, being able to enjoy the full benefits of a water adventure would certainly come in full circle if you have a good boat to take you there. Swimming is a good exercise when it matters most, but when you want to go the distance, the services of a dependable water vehicle is a must – especially with the whole family.

Choosing Your Ride

There are certainly many ways to enjoy the waters. You can go deep via scuba diving or skim the surface via kayaking.

Over the years, boat builders have risen to the challenge of building boats that are as sturdy as the people who would be commandeering them. None, however, have become so identified as a most dependable entry-level family fishing boat as the fibreglass boat. With its unparalleled flexibility, fibreglass can be moulded into just about any shape, creating a sleek design.

Most Trusted Watercraft

It is easy to see why fibreglass boats have caught the fancy of many Aussie fishermen and water adventurists. First, fibreglass has shown resiliency in withstanding the harsh environments posed by water.

Added to this, compared to aluminium and wooden boats, fibreglass boat repair is a breeze. So instead of wasting your time sanding and painting for instance, you spend more quality time with the waters that you and your family have been rooting for.

Fibreglass boats are extremely tough, but are also visually appealing. Use it for your next boating project and make a statement.

The Hierarchy of Burglars

Posted on by Linda Knight in Digi-Serve | Comments Off on The Hierarchy of Burglars

BurglarsNot all burglars are the same. The differences lie in their motivations and methods used. Regardless, the consequences are all the same in the end: dread and damage to property. In general, burglars are opportunists who view their offence as a lucrative source of income.

Some companies in the home security and safety industry, such as, say that burglars follow a hierarchy. The ranks are broadly determined by their intentions and experience. Below is an introduction to some of the possible kinds of people who might break into your home:

The Amateurs

Amateurs are small-time burglars that work on random opportunities that come by. In some cases, their actions are triggered by compulsions. They have a brash method, which often leads to their capture. They look for easy targets, such as houses or cars with open doors or windows. As they work hastily, they often end up stealing items with small value.

The Experienced

Experienced burglars know which items possess greater value simply because they have done it before. They know whom to target, and they devise sophisticated methods to steal and evade capture. They know how to hack security systems. They can accurately estimate how long it will take before someone in the house or from the neighbourhood notices that something is going one. They also study the habits of their victims to ensure the success of the heist.

The Professionals

They are not much different from the experienced, except that they target high-profile victims and use more complicated schemes. These burglars are on the lookout for items that can be sold in the underground market, such as artworks, historical artefacts, gold bars and antiques. Professional burglars have a network of people, which includes insiders. Technology and disguises are parts of their strategies.

Regardless of the type of valuables you have, see to it that your home is well guarded. Invest in a foolproof security system. Change the locks of your doors and windows. You may also design your landscaping in a way that will keep outsiders from viewing through your windows.

Maximising the Performance of Your Printer

Posted on by Linda Knight in Digi-Serve | Comments Off on Maximising the Performance of Your Printer

PrinterThe quality of your printer will depend on its speed and output resolution. To keep your printer running in good condition, you should keep in mind the things that matter most. These include the PPM (pages per minute), which measures the printing speed.

When the printer indicates 9 PPM, you will get nine pages printed out in a minute. The resolution, on the other hand, means the amount of dots per inch (dpi). A printer with a 300-dpi capacity will print 90,000 dots for every square inch.

Know more about printers from their maintenance to cartridge types to maximise their performance.

Printer Preservation

Whether you own a Fuji laser or inkjet printer, you must follow certain maintenance reminders to improve the print quality.

The most important thing to take into account is the Fuji Xerox toner, says When used properly, the printer can produce high quality prints you can trust. You can use your toner for a longer period by shaking the toner cartridge lightly before changing it. This also spreads the toner again for better printouts.

The next step you should take is to make sure your printer is turned off and unplugged before cleaning it. A cloth soaked in water or alcohol is good for keeping the printer’s exterior dirt-free. Stay away from other cleaning products that may ruin your printer casing.

When dealing with the interior, alcohol and Bestine solvent are ideal in cleaning the rollers. Bear in mind that dirt will just stick back inside your printer when you use a compacted blower. A handy vacuum will do better.

The Need for Replacement      

When you go shopping for a new printer, it’s best that you know the different types of ink cartridges. The key difference between the ink cartridge and toner cartridge is the length of use. It will take 500 pages before the ink type needs a refill and it still depends on the quality of printouts produced. Your printer must run not less than once a week to prevent the ink cartridge from jamming or drying out.

In contrast, the toner class will print a minimum of 2,000 pages before it runs out. This kind of cartridge, however, can be costly in some old laser printers that you would think of buying a new printer instead of getting a fresh toner.

When considering cost, you should use a laser printer when you need to print numerous pages while an inkjet printer is best when you only have fewer pages to print like one to three. This way, your printer will give you the quality you deserve.



Where’s The Warehouse: The Right Storage Facility for Your Business

Posted on by Linda Knight in Digi-Serve | Comments Off on Where’s The Warehouse: The Right Storage Facility for Your Business

warehouseRegardless of the industry you are in, the supply chain is an aspect that directly influences all aspects of operation. Considering this, it is important to find a warehouse that satisfies the needs of the business as far as logistics is concerned.

The search for a warehouse is a straightforward process. All you need to do find a broker that will lead you to a suitable property, and consult with a commercial real estate lawyer to make the necessary arrangements.  This, however, is always easier said than done; be specific when identifying your needs.

Here is a quick look at some of the things to take into account when looking for a warehouse:

The Size of the Facility

The size of the facility will depend on the type of goods you will stock. Keep the size and weight of the goods in mind at all times. Do not just look at the floor area of the warehouse; consider the ceiling height as well because you are more than likely to stock goods vertically.

The size of the warehouse should allow you to set up equipment for packaging and other processes. It should also let you create business-related quarters, such as control rooms, cafeterias, and recreational areas for employees.

The Location

The ideal location will help minimize the time needed for sourcing and delivering goods. The location of the warehouse should be close to highways, railways, ports, and major thoroughfares. Ideally, your warehouse should be easily accessible from distribution centers.


Whether you are buying a facility or leasing it for some time, your budget will depend on the type of warehouse you are getting. Typically, warehouses situated close to major highways come with a hefty price tag. The same is true for storage facilities with existing amenities.

The right warehouse for your business depends on a wide range of factors. It is important that you look into each item to avoid incurring higher costs and to ensure logistical efficiency.

Think before You Throw Away that Junk: Turning Trash to Cash

Posted on by Linda Knight in Digi-Serve | Comments Off on Think before You Throw Away that Junk: Turning Trash to Cash

trashAfter so many delays, you have finally found time to do something about the clutter in your basement and garage. Just like in any household, you find assorted items lying around, ranging from used clothes to old appliances. All these would certainly use up space in your garbage bin and take up much of your time.

But instead of just throwing away these things, earn some money while helping your community and the environment reduce the amount of garbage.

Used Clothing

It may be considered as used clothing, but garments in good condition may still have some use. They may have been set aside because they do not fit you anymore or are out of style. Whatever the case may be, these clothes and garments can still benefit other people.

Find outlets that take these items and sell them at affordable prices. Or give them to charitable organisations like Red Cross.

Used Electronic Items

Scrap metal dealers from Metal Salvage Services Ltd  say you can sell items such as phones and computers. Do this after you buy newer models so nothing goes to waste. For your ink cartridges, there are many outlets that will pay cash.

Scrap Metal

All that scrap metal in your home can give you some cash. Copper and aluminium from appliances can fetch a good price. Old metal gates and other steel materials can also be sold easily. Certain businesses pay for aluminium cans and plastic bottles. If you’re looking for a way to sell car and bike parts, ask metal dealers for their pricing.

Indeed, you can earn money from your trash instead of contributing to the garbage problem. With some money to earn, the task of rubbish disposal does not seem difficult at all.

Construction-Related Casualties On The Rise in Singapore, Studies Show

Posted on by Linda Knight in Digi-Serve | Comments Off on Construction-Related Casualties On The Rise in Singapore, Studies Show

Safety Training for Construction IndustriesAnything can happen when you’re working at a construction site. A wrong move or a stroke of bad luck, and you could end up injured or worse. These are the sentiments of Singaporean workers in construction industries, as revealed by studies about construction sites being one of the deadliest workplaces.

Rising Construction-related Fatalities

Statistics showed the rising injuries and deaths in construction industries and their causes. The Strait Times revealed that fatality rate in the construction sector has risen in the past three years – from 5.5 per 100,000 workers in 2011, to 7 per 100,000 workers last year. Inspectors from the Ministry of Manpower found various workplace safety and health violations for work at heights, scaffolding and electrical lapses such as missing guardrails.

Addressing the issue

Lack of information and implementation on occupational health and safety training measures are seen as proximate causes of rising casualties in construction sites. In response, the government encourages construction companies to undergo bizsafe courses on construction safety. Sessions should focus from employee to employer level.

For workers

As the people on the frontlines, construction workers should have knowledge of construction safety methods and materials. This will prevent the incidence of construction-related fatalities. They should also know the laws on occupational health and safety to determine if their employers comply with government standards.

For supervisors

The WSH Act of 2006 requires supervisors, especially those working with scaffolds, to undergo training sessions as approved by the Commissioner for Workplace Safety & Health. They should have knowledge of construction safety measures for building construction, lifting and other related matters. These will enable them to conduct thorough inspections and ensure construction site safety before work starts.

For employers

Employers are responsible for identifying safety hazards at workplaces and implementing measures to decrease the risks of construction-related accidents among their employees. In-depth knowledge of risk management is essential so they can conduct proper risk assessment and create occupational health and safety systems that suit their business needs. Employers should also undergo courses on OHS legislations to create a workplace that meets government standards.

Construction-related casualties in Singapore will drastically increase without effective occupational health and safety measures. Training sessions on construction safety will reduce, if not eliminate, this growing problem.

It’s Not Just About Packing: Moving Mistakes to Avoid

Posted on by Linda Knight in Digi-Serve | Comments Off on It’s Not Just About Packing: Moving Mistakes to Avoid

Moving HomeMoving to a new home requires more than just a day of preparation. Packing your items and sending them off to your new home is just the tip of the iceberg. The tasks you have to cover for your move go beyond that. Without any prior planning, you’re only adding stress and more costs to your move.

Learn from these mistakes, so you can plan your move and avoid the stress:

1. Deciding to hire professional movers at the last minute

Scheduling a moving service at the last minute can result in a homeowner’s nightmare, especially if your scheduled move is during the peak season. The best moving and storage Denver services might already have bookings with other clients, leaving you with only a few alternatives. Some might even charge extra for the short notice service.

2. Not considering possible moving and travel expenses

Allot money for all possible expenses during your move – food, fuel, and accommodations – especially if you are moving to a far place. Another possible expenditure you need to prepare for is a storage unit rental. You can get a better deal if you hire a company offering both moving and storage, instead of booking individual services.

3. Taking all of your belongings to your new home

The more items you haul, the greater your expenses will be. Some movers work on an hour basis. If you want to bring all your items with you to your new home, the longer it might take them to finish the job.

While this does not mean you should just throw out or leave some of your belongings in your old place, you should find alternatives for your items. You can donate or sell some of your unused items to lighten your load.

Every detail counts. Thorough planning can help you avoid these mistakes and take away the stress during moving day.

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