Learn more about FHA Lender McAllen TX here...
Finding out that you could have gotten a much better mortgage than you currently have can be a very distasteful experience. You don't want to be that person. You want to go into a mortgage being well-informed. Therefore, keep reading so that you find out the information that you need to know.
Study your credit history, before getting a mortgage. Good credit is what can help you get a mortgage. Obtain copies of your credit history and scores from the three major credit-reporting bureaus. Study your reports carefully to ensure that no issues or errors must be resolved before you apply. Many lenders need a minimum score of 680, whic
A financial manager of a British-based Korean firm lost her job because she refused to bow to her boss, an employment tribunal heard today.
Misook McDonald, 43, was allegedly demoted after her "furious" director had confronted her over her failure to bow to him at the start and end of each working day.
Ms McDonald also claims she was ordered to make coffee but when she challenged Dongbu Daewoo Electronics director Ho Seung Yoo he retorted: "Isn't that what female workers should do?"
The claims of the Korean custom of bowing to senior staff were revealed at an employment tribunal, where Mrs McDonald was suing the UK headquarters of the top electronics firm for sex, age a
Finance expert Roger Ferguson has joined the board of Google parent Alphabet. He is the first African American to serve on the board of Google or Alphabet.(Photo: TIAA-CREF)
SAN FRANCISCO Google parent company Alphabet is adding finance chops and diversity to itsboard with the appointment ofeconomist Roger Ferguson.
Ferguson is the first African American to serve on the board of Alphabet and Google, marking a major milestone in Google's effort to bring more diversity to the technology industry.
Ferguson will serve on Alphabet's audit committee. With his appointment, he receives a $1 million equity grant, according to a filing with the Securities and Exchange Commission.
He joins the board as Alphabet under finance chief Ruth Porat bringsgreater spending discipline to the Internet giant known for its speculative "moonshot" projects such as self-driving cars and research into aging.
As president and CEO of financial services giant TIAA, Ferguson manages the retirement investments for university professors and employees from a variety of educational, medical, government and cultural institutions.Prior to TIAA, Ferguson was head of financial services for insurance company Swiss Re. He sat on the governing board of the Federal Reserve from 1997 to 2006, and for seven years was its vice chairman, the first African American in that position.
"He has a long record of distinguished and thoughtful service in the private and public sectors, and deeply understands how technology can improve the lives of people around the world," Alphabet executive chairman Eric Schmidt said in a statement.
Two years ago, Google publicly addressed the gender and racial imbalance in the tech industry at large for the first time by disclosing the demographics of its workforce. At Google, seven out of 10 employees are men. Most employees are white (60%) and Asian (31%). Latinos make up 3% of the work force, African Americans 2%.
According to the Equal Employment Opportunity Commission, the tech industry lags industry averages in recruiting women and people of color.
Tech companies had more white employees (69%) than the average hired by all firms (64%) and more Asian-Americans (14% vs. 5.8%), according to an EEOC report based on 2014 data filed with the EEOC by private U.S. firms with 100 or more employees and federal contractors with 50 or more with federal contracts of $50,000 or more.
We commend Alphabet for appointing Roger Ferguson, their first African-American board member.Mr. Ferguson is a distinguished leader who can help lead Alphabet into the next era," said Rev. Jesse Jackson. "In 2015 we challenged Google to release their EEO-1 workforce report, and execute a comprehensive diversity and inclusion plan that reached not only to the workforce, but to their board room and C-suite leadership team.With todays appointment they have done just that."
Ferguson, who sits on the board of General Mills and International Flavor & Fragrances Inc., has technology chops.
A former partner at the consulting firm of McKinsey & Co., he managed investment in information-technology systems. At the Fed, he helped prevent Y2K computer problems.
Read or Share this story: http://usat.ly/290y07N
You buy different insurance covers to protect against various risks. But are you aware of the free insurance covers that you get with your LPG cylinder or an air ticket that you buy? Here are some of the insurance covers that you get for free:
Insurance cover for LPG users: All registered LPG (liquefied petroleum gas) or piped cooking gas consumers are covered for any mishap caused due to LPG cylinders at their registered address. The cost of insurance is borne by oil marketing companies. According to the website of Bharatgas, the distributor of LPG for Bharat Petroleum, a personal accident cover of Rs 5 lakh per person in case of death is provided. In case of an accident, medical expenses of Rs 15 lakh per event, with a maximum of Rs 1 lakh per person are covered.
The policy also covers the damage caused to the registered premises of consumers for a maximum sum of Rs 1 lakh per event. Piped gas consumers are also insured under this policy.
Insurance with bank deposits: Your money deposited in a bank account - both principal and interest - is insured up to Rs 1 lakh for any default by the bank. It covers all deposits such as savings, fixed and recurring.
However, for claim purpose, all the deposits made under these accounts will be added and a maximum of Rs 1 lakh cover will be given to each depositor. Even if you have deposited in different branch of the same bank, you will get a maximum cover of Rs 1 lakh.
However, banks accounts with different banks are insured separately with a maximum cover of Rs 1 lakh each.
Corporate Deposit Insurance: As per the new Companies Act, any company raising money via deposits will have to provide an insurance cover of up to Rs 20,000 to every investor against default of payment.
Both the principal and interest earned on a company deposit are insured under this cover. "But currently there is no product available in the market which provides corporate deposit insurance. There are no regulations from Insurance Regulator and Development Authority of India (IRDA) which allow insurance companies to provide insurance products for corporate deposit," says Sanjay Datta, chief underwriting and claims, ICICI Lombard General Insurance Company.
Baggage insurance with air ticket: In case of domestic travel, airlines provide an insurance cover of Rs 20 lakh each person in case of death and bodily injury while Rs 20,000 in case of loss of baggage.
It is of the utmost importance that your personal finances are kept in order. The problem is that most people do not know how to properly manage their finances. In the following article, you are going to be given information that is crucial to follow if you want your finances in order.
Exercise caution when you estimate what sort of mortgage payments you can afford. A mortgage is a very long-term financial proposition. Meeting your payment obligations will rely on how much money you will earn over a number of years. Keep in mind the possibility tha
Dealing with personal finance is a skill that every adult must learn. Many people never learn the right way to handle their money, having learned the skill from their parents, who also learned from their parents,. That is the problem. Here are some solid suggestions for handling personal finances well.
Buying certain items in bulk can save you money over time. Items that you know you will always need, such as toilet paper or toothpaste can be bought in bulk quantities at a reduced prices to save money.
Consider downsizing to only one vehicle. It is only natural that having more than one car will cause your premiums to rise, as the company is taking care of multiple vehicles.