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creditrepaireasereno · 3 years

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Clean up your credit fast in Reno, NV

Your credit report shows your debt history, but these reports often have inaccuracies that negatively affect your credit score. Credit repair companies work to correct these errors and advocate on your behalf with the credit bureaus. We researched the best credit repair companies in Reno, NV to help you choose the right company to get your credit under control and back your credit on track.

Here is the Top 5 Credit Repair Companies in Reno, NV

1. CreditRepairEase.com: Best for Fast Credit Repair (Local USA)

Credit Repair Ease make it easy for people looking for the best local credit repair services provider. We are available in 51 states of United States and committed to offer you the best credit repair service. Whether you live in Alabama, California or New York or any other state of United States, we help you from your location and you don't have to take much burden.

2. Consumer Credit Auditors

Consumer Credit Auditors has worked closely with lenders over the years and has successfully helped in raising their application approvals for conventional mortgage loans, FHA, Auto, and more. It all revolves around credit reports! Today’s standards can even be more difficult than previously thought. Investor overlays push the minimum FICO score on FHA loans on average to 580, up from the federal minimum of 500 (though they are loosening by a fraction). Many applicants will naturally be denied. Consumer Credit Auditors can help repair those poor credit ratings and allow for a better percentage to you, the lender, of approved loans!

3. United Federal Credit Union

United Federal Credit Union was founded in 1949 by people just like you who believed in the values of the community and who believed in service to one another. We’ve been serving Members ever since, growing into who we are today with the knowledge that strength in numbers brings opportunities and prosperity to all of us. United is in the top 100 largest federally-insured credit unions in the U.S., with 38 branches covering six states and $2.85 billion in assets. Our headquarters are located in St. Joseph, Michigan, with branches in Arkansas, Indiana, Michigan, Nevada, North Carolina, and Ohio—and growing. We’ve maintained a 5-star rating for the past 19 consecutive years from Bauer Financial, one of the country’s premier financial rating services. In 2013 we were named National Federal Credit Union of the Year by the National Association of Federal Credit Unions, and also awarded Michigan Credit Union League Outstanding Credit Union of the Year.

4. Dollar Loan Center

Dollar Loan Center (DLC) was founded in 1998 by Charles “Chuck” Brennan who is still the majority owner of the company as well as being the Founder/CEO. With his strong background in the financial services industry, Chuck recognized that there was a better way to make short-term loans than the typical payday loan (flat-fee for holding a post-dated check for a fixed period). The business model was simple, offer customers a signature loan (no check or other collateral, simple interest – the interest accrues daily and does not compound). Compared to charging a flat fee upfront, this is a better product for the customer and one that had previously been unavailable to anyone who is in need of a short-term loan. The signature loan product also allows us to give credit to those without a checking account. This has helped to attract more customers in recent times due to the changing banking environment.

5. Greater Nevada Credit Union

Greater Nevada Credit Union (GNCU) is a not-for-profit, full-service financial institution headquartered in Carson City that has been helping Nevadans with their financial needs since 1949. GNCU serves more than 78,000 consumers and small businesses and carries more than $1.3 billion in assets. Our members are owners of their credit union, which is overseen by a volunteer Board of Directors. GNCU's passion is 'Helping More People Live Greater.' That includes everyone who lives and works in Nevada. GNCU is your credit union, here for everyone in Nevada. Here for everyone in Nevada, offering a full range of personal and business banking products and services. Our subsidiaries include Greater Nevada Mortgage, Greater Nevada Insurance, and Greater Commercial Lending.

So if you want to take your efforts of trying to improve credit scores to a whole other level, contact credit repair ease. There is no time to spare. For every day you waste waiting or trying to figure things out on your own, your interest liabilities continue to pile up. You can’t afford to play that game. Call on (888) 803-7889 now to schedule a free consultation!

Resource: Best Credit Repair Company in Reno, NV

#creditscore #creditcard #creditrestoration #creditcarddebt #creditkarma #creditgoals #creditrepair

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hillaryisaboss · 6 years

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HILLARY RODHAM CLINTON —

LIFELONG ACHIEVEMENTS AS A POLITICIAN WORKING TIRELESSLY TO PROTECT ALL OF THOSE SHE SERVED

Foreign Policy:

Myanmar transition

Iran nuclear deal framework

Israel/Hamas peace agreement/ceasefire

Promoting LGBT rights in Africa as Secretary of State

HIV/AIDS testing and treatment through Clinton Foundation partnership with ANTIAIDS and the Victor Pinchuk Foundation in Ukraine

Launched Global Hunger and Food Security program

Saved the Turkish-Armenian accord

Co-sponsored Afghan Women and Children Relief Act of 2001

Co-sponsored Zimbabwe Democracy and Economic Recovery Act of 2001

Co-sponsored Democratic Republic of the Congo Relief, Security, and Democracy Promotion Act of 2006

Co-sponsored Iraq Reconstruction Accountability Act of 2006

Co-sponsored Palestinian Anti-Terrorism Act of 2006

Health:

Expanded the Family Medical Leave Act to include national guard/reservist

Co-sponsored Prevention First Act (family planning)

Changed State Department policy to include same sex couples in Diplomat benefits package

Lead group investigating 9/11-related illnesses in first responders (her Senate successor ended up passing her bill)

Co-founded Arkansas Advocates for Children and Families

Helped increase research funding for prostate cancer and childhood asthma for NIH

Helped investigate Gulf War Syndrome

Co-sponsored Traumatic Brain Injury Act of 2008

Co-sponsored ALS Registry Act

Co-sponsored Poison Center Support, Enhancement, and Awareness Act of 2008

Co-sponsored Veterans’ Mental Health and Other Care Improvements Act of 2008

Education:

Built Arkansas’ Home Instruction Program for Preschool Youngsters

Reformed Arkansas’ education system as chair of the Arkansas Educational Standards Committee

Co-sponsored Carl D. Perkins Career and Technical Education Improvement Act of 2006

9/11:

Instrumental in bringing $21 billion in funding for the World Trade Center site’s redevelopment

Established family compensation/small business loan programs

Co-sponsored Procedural Fairness for September 11 Victims Act of 2007

Children/Women:

Helped create Office on Violence Against Women at the Department of Justice

Helped pass Adoption and Safe Families Act

Helped pass Foster Care Independence Act

Supported and promoted the passage and rollout of the State Children’s Health Insurance Program (SCHIP), which expanded health insurance for children in lower-income families.

Co-sponsored Native American Breast and Cervical Cancer Treatment Technical Amendment Act of 2001

Co-sponsored Pediatric Research Equity Act of 2003

Co-sponsored PREEMIE Act

Co-sponsored Newborn Screening Saves Lives Act of 2007

This is considered by many to be one of the turning points of international women’s rights

In 1995, during an unprecedented address in Beijing to the United Nations Fourth World Conference on Women, Hillary recounted worldwide abuses and declared “It is time for us to say here in Beijing, and for the world to hear, that it is no longer acceptable to discuss women’s rights as separate from human rights.”

First Lady Hillary Rodham Clinton’s Remarks to the Fourth Women’s Conference in Beijing, China

Career:

Staff attorney for the Children’s Defense Fund in Cambridge

Board member of the Yale Review of Law and Social Action

Legal work at the Yale Child Study Center for child abuse

Volunteer at New Haven Legal Assistance Association

Director of the Arkansas Legal Aid Clinic

Chair of the American Bar Association’s Commission on Women in the Profession

Political Career:

Researcher on migrant worker problems — Subcommittee on Migrant Labor

Jimmy Carter’s Indiana director of field operations

Chaired Arkansas’ Rural Health Advisory Committee, working to expand medical facilities for the poor

Chair of the Arkansas Educational Standards Committee

Chair of Presidential Task Force on National Health Care Reform

First Lady of Arkansas

First Lady of the United States

United States Senator from New York

United States Secretary of State

Voting Rights

Wrote Count Every Vote Act of 2005

Co-sponsored re-introducing the Equal Rights Amendment

More legislation (that became law)

Co-sponsored Lilly Ledbetter Fair Pay Act of 2009

Co-sponsored Methamphetamine Production Prevention Act of 2008

Co-sponsored PROTECT Our Children Act of 2008

Co-sponsored KIDS Act of 2008

Co-sponsored Broadband Data Improvement Act

Co-sponsored Appalachian Regional Development Act Amendments of 2008

Co-sponsored Healthy Start Reauthorization Act of 2007

Co-sponsored Hematological Cancer Research Investment and Education Act of 2002

Co-sponsored Persian Gulf War POW/MIA Accountability Act of 2002

Co-sponsored FHA Downpayment Simplification Act of 2002

Co-sponsored Strengthen AmeriCorps Program Act

Co-sponsored 21st Century Nanotechnology Research and Development Act

#hillary clinton #bill clinton #barack obama #bernie sanders #donald trump

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davidefangyi · 2 years

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Indiana FHA Loan Requirements: Limits, Down Payments, and Credit Scores [2022]

Indiana FHA Loan Requirements: Limits, Down Payments, and Credit Scores [2022] https://ift.tt/Dn6WVeM

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makeoverhomes · 16 days

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FHA 203k Reno Jobs - What to do when we run into issues halfway through ...

It is almost a guarantee that at some point during you renovation process, there WILL BE a time when you run into something that needs to be done that was not on the original bid. Do not be scared. A simple change order can fix this issue(s) when it does arise. On all Reno Loan projects the lenders will force the borrower to borrow an additional 10,15, 20, or 25 percent of the total project cost in order to tackle these issues. For example: $50,000 project with 10% Reserve Fee would require a $5,000 borrow amount for "JUST IN CASE." The percentage is determined by a handful of items. - were utilities on during the inspection visit? - was the consultant able to tour and "see" the entire home? - do we expect additional issues but can not confirm without damaging the home? These funds can also be used for upgrades! Maybe you needed a little bit more in order to afford your upgrades appliances? Maybe you wanted glass door on your shower? There are endless upgrade options! Just know, ALL projects WILL have change orders but the Reserve Fund is sitting there to help! Order a HUD Consultant https://makeover-app.com/Marketing/Coverage/HudCoverageMap For help building a 203k Dream Team https://makeover-app.com/Main/Web/ClientIntake Check out our Website www.makeover-homes.com #makeovermortgage #makeoverfinefinishes #hoosiers #columbus #indiana #realtor #realestate #house #fixerupper #fliporflop #flippingcolumbus #realty #home #rental #investment #biggerpockets #realestateagent #hgtv #property #commercialrealestate #buyandhold #rentals #landlord #carhartt #dewalt #makeoverhomes #makeoverrenovation #makeoverrealty #203k #203kcontractor #203kconsultant #203kindiana #203klender #203kloanofficer #203krealtor

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parkerjasmine1996 · 4 years

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insurance binder definition

BEST ANSWER: Try this site where you can compare quotes from different companies :bestinsurancequotes.top

insurance binder definition

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How Well Do You Know Your Life Insurance?

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cutsliceddiced · 5 years

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New top story from Time: The Hidden Forces Behind the Rise and Fall of Colorful Kitchens in Postwar America

The bright postwar landscape, with its color-conditioned schools, its two-tone Chevys, and its orange-roofed Howard Johnson’s restaurants, whetted the appetite for more color in the home. Howard Ketcham’s work on the Bell Model 500, a direct response to this taste, was paralleled by the appliance industry’s move toward color.

In the 1920s, Macy’s Color in the Kitchen promotion had popularized pots and pans in bright hues, and Kohler Color Ware had made some headway in the bathroom. But the colorization of big-ticket durable goods for the home had been stymied by the Depression and by World War II. In 1949, the Chambers Company, a small Indiana stove factory, startled everyone by offering stoves in red, black, blue, gray, yellow, and green. Rumors circulated that the colorful models accounted for one-third of the Chambers Company’s sales. When a major trade association for the paint industry reported the rising popularity of kitchens in canary yellow and chartreuse, the household equipment industry took notice.

“Let’s face it,” said a 1951 report on women and electrical appliances compiled for the Ralph H. Jones Advertising Agency by Ernest Dichter’s Institute for Motivational Research. “The General Electric refrigerators, Kelvinator, and Frigidaire are not . . . different from one another,” making it hard to “capture the consumer’s heart by assaulting it . . . with a barrage of publicity.” The postwar appliance customer had most likely worked in an office, a store, or a factory during the war, and knew her own mind. Unlike her “old-homebody” mother, she decorated to express “her creativity and individuality.” She wanted “electrical appliances not only for their utilitarian value but for their contribution to her kitchen’s livability,” and she expected “the style of the refrigerator or washing machine ‘to harmonize with the rest of the kitchen’s décor.’”

General ElectricA 1957 General Electric advertisement

The manufacturers’ challenge was to turn a utilitarian product into a fashion accessory. Dichter, who had probed the minds of consumers for hundreds of companies, recommended a “psychological strategy.” Color, he suggested, was a psychological tool that could reach deep into the mind and unlock the consumer’s nascent or unrealized desires.

The largest market for color appliances was to be found in new suburban developments such as the three Levittowns (one on Long Island, one in Pennsylvania, and one in New Jersey). Developers knew that the frazzled house hunter, exhausted after an endless Sunday afternoon of open houses, would remember “the one with the red and white kitchen.”

But the populations of these new communities were less stable than the builders would have liked, and the rapid turnover affected how houses were designed. “Today,” according to a report from a conference on color in interior decoration sponsored by the builders’ magazine House & Home in 1955, “most people buy their homes ready made, just as they buy their clothes ready made or their cars ready made. Today only one house out of six is built for a known buyer, and even that one house in six will probably be re-sold to an unknown buyer within five years.” Color selection, always a risky business, was complicated by the anticipation of mobility.

Bankers and appraisers had to deem a house suitable to be resold before they would lend money to the builder or the homeowner. The “streamlined” kitchen — one with modernistic cabinets, chrome-trimmed counters, and color appliances — was still too unusual for cautious money men. “The builder can take his profit and run once he has found a buyer who likes the colors he has chosen, but the mortgage lender must live with the house for 20 or 30 years through many changes of ownership. He has the biggest stake in the use of safe colors, for he has the most to lose by a color choice that might lower the re-sale marketability of the house.” The Federal Housing Authority, which oversaw mortgage lending to veterans under the GI Bill of Rights, took a conservative stance.

The editor of House & Home explained the realities to an appliance executive: “FHA now tends to give a lower valuation where color is used. This is for two reasons: 1. FHA is afraid color may reduce marketability, because the color that suits one woman may not suit the rest. 2. FHA has no accepted color standards that its appraisers can use as a yardstick.” The Housing Act of 1954 provided federal loans for remodeling and encouraged lenders to approve streamlined kitchens if remodelers wanted them. But a builder of new homes still couldn’t “use colors his mortgage lender will not finance.” In the end, the worries of bureaucrats, bankers, and appraisers limited the dissemination of colored appliances.

From Howard Ketcham, “How to Plan Product Colors,” Product Engineering, August 1951. Library of Congress.

As consumers in urban neighborhoods and in older suburbs looked to modernize older homes, manufacturers of electric appliances saw sales opportunities. “One big reason the appliance makers are eager to sell color into the kitchen is their hope that colored kitchens in new houses will also start a big replacement demand as old houses follow the new house lead. That’s why General Electric is so pleased that 80% of its new house major appliance sales are in color.” GE hoped that the Piotrowskis, the Celluccis, the Goldblums, and the O’Neills would want to keep up with the Joneses, but identifying a market segment was not the same as realizing sales. How should manufacturers approach the replacement market? Should they target the consumer’s unrealized desires, or should they cater to her actual needs?

Most appliance executives took a pragmatic approach to these decades-old marketing questions, which had been codified in the 1920s. One salesman who supplied vitreous enamels to appliance makers knew Ernest Dichter’s psychological theories and was skeptical. Granting that the “consensus of the motivational research boys is that colors and built-in appliances are the only things that meet the emotional needs of the modern woman,” he expressed belief that the American manufacturing system could satisfy customers without bowing to fashion.

Through “economics and mass production,” appliance makers could deliver affordable prices and a modicum of style. The purchasing agent for Levitt & Sons also skirted around the popular psychobabble and the idea of style obsolescence: “The idea of the colored kitchen is to attract the consumer to spending more money for her kitchen — money that would otherwise be spent for a television set or automobile — something new. It is eye-catching, appealing and she wants it.”

Market researchers at McCall’s, a popular magazine for middle-class suburban housewives, documented the rising interest in colorful appliances. By early 1955, the average homemaker had seen color appliances in magazines, stores, and showrooms, at open houses in new suburban developments, and in the homes of friends and relatives. Some women still preferred white appliances: “I love a change in decorating, especially in the kitchen where I spend so much time. I would hesitate to buy colored appliances for this reason. I pick neutral colors for counter tops and floors also, so I can change to any new color.” But more than half of the women in the McCall’s survey said they would buy a new appliance in color, even if it were more expensive. “I love color! I spend most of my time when home in my kitchen and like a pretty yellow kitchen. My appliances are white and no matter how I plan my color scheme, my range, refrigerator, [and] broiler stick out like ‘sore thumbs.’ If they were in pastel colors, they would blend.”

The trend toward thinking of the kitchen as a living space encouraged the new outlook. As more blue-collar families moved to suburbs, they took the idea of the all-purpose kitchen with them. In urban apartments, the large kitchen had served as a community gathering space, much as in a farmhouse. This vernacular tradition of adaptive use fit with Frank Lloyd Wright’s modernist concept of the open floor plan, with the kitchen opening into a dining-living room. Suburban builders adjusted their designs for Cape Cod cottages and split-level ranches to accommodate “nostalgic feelings for the days when the kitchen was the family living room” and “people ate near the stove and shared stories.” If the kitchen was a space for living, then it should be decorated as such, complete with colorful accents. Do-it-yourself paints allowed consumers to satisfy this impulse on a budget.

Sunshine Yellow appliances required a more substantial investment and signified a greater commitment. As public opinion was gravitating toward color in kitchen decoration, a different obstacle to color appliances appeared: three out of four appliance dealers took “a dim view of the whole idea.” The retailers worried about higher prices, the difficulty of matching shades, and inventory management — many of the same worries that car dealers had about two-tone paint jobs. “The biggest headache will be having not only the right model but the right model in the right color and . . . the right shade. What about matching chipped stove panels? What prices will we have to pay for parts due to excessive inventory . . . in our distributors’ warehouses?” Stores that stocked different brands were especially concerned about mismatches: “There’s Sky Blue, Baby Blue, French Blue, Cadet Blue. . . .” The “color idea” was a big headache — lots of work and no guarantees.

A God-Sent Opportunity

At Frigidaire, it’s pastel. . . .Westinghouse terms it frosting. But top men agree: “A little color brightens a whole line’s sales.” —Sales Management, 1956

In 1954, Frigidaire (the Dayton-based appliance division of General Motors) became the first manufacturer of kitchen equipment to offer a “full line” of color appliances. This meant that, like GM cars, Frigidaire color appliances came in several price brackets — Standard, Master, De Luxe, and Imperial — and were designed in Detroit by Harley Earl’s styling section. At Frigidaire, color did fit into a broader plan for style obsolescence — but not in the way Vance Packard described. In advising dealers to exploit color, Frigidaire headquarters explained how colored appliances fit into GM’s “ladder of consumption” strategy. The goal was not, as Packard wrote, to treat appliances like millinery, convincing “Americans they should replace refrigerators, ranges, and washing machines every year or so.” It was to encourage consumers to replace their older white appliances with the new colorized models bit by bit over the years, until the ensemble was complete.

Frigidaire’s well-developed national distribution network encouraged franchisees to push color. One dealer put the burden on the store managers — “the first essential to selling Frigidaire appliances in color is to have the guts to buy . . . color” — but regional tastes played a role. Consumers in warmer climates and in more recently developed regions of the country (the Southwest, the Rocky Mountains, the Pacific Coast) liked color; those in the industrial Northeast, the Midwest, and the Southeast did not.

Down-market stores shied away from color appliances, which had higher sticker prices than white ones. But in a middle-class or upper-middle-class market that could bear higher prices, a Frigidaire dealer could pocket 20% more from a color order. The co-owner of an appliance store in Salinas, Calif., spotted a “God-sent opportunity” that would allow his store to compete with a neighboring Montgomery Ward store. “We felt that our big competitors couldn’t get into colored appliances quickly enough because their buying procedures and merchandising techniques are not as flexible as the smaller dealer,” Paul Kane told a trade journal. “We decided to get so well established as ‘color headquarters’ that it would be difficult for these stores to overtake us.” The “crusade for color” gave the partners the chance to apply their “selling ability,” chatting up style and beauty to an “army of do-it-yourselfers who’ve been redecorating and have just got to the kitchen.” They also sold customers on the idea that tinted appliances would have higher value at trade-in time.

In Texas, the Good Housekeeping Shop in Odessa had success with Frigidaire colors. The Good Housekeeping Shop, opened in the autumn of 1957, was the brainchild of an entrepreneurial appliance salesman familiar with the Houston and Odessa markets. Refusing to stock any brand of appliances other than Frigidaire, the Odessa store and a Midland branch “sold color aggressively.” Operating on the principle that “you can sell white over color but you can’t sell color over white,” the owner kept “complete displays of all colors in both stores.”

Ensembles of matching appliances — a refrigerator, a range, a washer, and a dryer — were displayed in color groups, creating a rainbow effect that attracted customers into the showroom and held their attention. Salesmen were trained to “sell kitchen beauty and kitchen decoration as well as to sell the product.” One explained: “It is our habit to sell the item first, and then ask the customer which color will fit their color scheme the best, ‘What color do you want to buy?’” Three out of four shoppers who bought color returned within six months to purchase another major appliance. In 1958, nearly half of the shop’s orders were for color appliances.

Despite these successes, appliance dealers still saw white as “a safe bet” and worried about their ability to stock matching appliances down the road. In 1959, the Home Appliance Company in Texarkana, Texas, complained about the lack of colorized stock available in the Standard and De Luxe price ranges. In 1955 and 1956, the store had displayed color models and consumers had responded positively, particularly to mid-price ($300–$400) refrigerators. Forty-nine percent of the refrigerators and 37% of the ranges sold that year were colorized.

But since then, the dealer had had trouble getting colorized models in low and middle price ranges from the distributor, much to the chagrin of customers. “In the appliance business, we do not sell a complete kitchen every time.” When a customer who had bought a Standard refrigerator returned for a matching stove, she found that her only option, if she wanted to match the color, was a top-of-the-line Imperial priced at nearly $450. As a result, sales of colored appliances had fallen by nearly 10%. “I don’t think it is right to start a customer with color . . . when she could not complete the color due to the high price.”

In appliances, as in autos, the color revolution encountered unforeseen contingencies. Production hurdles, inadequate inventories, marketing challenges, and public perceptions made it tough for even the most sophisticated companies to convince consumers to embrace the concept of the color ensemble. Even as consumers warmed up to color appliances, the production and distribution system was ill-equipped to cope. Regional tastes, lingering biases, and socio-economic differences all contributed to the weakening of sales. In the meantime, cultural critics skewered the manufacturers. “The stylists’ fascination with pastels exhausted itself before the 1950s ended, and the trend went right back to white,” Vance Packard wrote. “Left in the backwash of the change were several hundred thousand home-owners who had believed pastel to be the wave of the future.”

The trend did not entirely revert back to white as Packard had predicted. Frigidaire statistics for 1964 showed that color appliances constituted 28.5% of national sales. Yet consumers declined to rush out and replace their Sunshine Yellow refrigerator with a new model in a new fashion color such as Avocado Green. Frigidaire designers may have wanted to engineer style obsolescence, but that wasn’t in the cards.

The color explosion of the postwar years was evidence of the extravagances of a growth economy and the maturation of American consumer society. In his focus on the big picture, Vance Packard had offered incisive observations about that consumer culture. But in his critique of design, he had simplified the complexity and overlooked the many cultural and technical contingencies that had led the Bell System, General Motors, and Frigidaire down the color road. Colorists tried to read the popular mood, which was always changing. The best practitioners knew that taste was difficult to pin down and that a shade became passé as soon as it became popular.

Obsolescence was part and parcel of the fashion system, which in the course of the twentieth century had migrated from clothing to cars to kitchens. New technologies such as Lucite had introduced better performance and better looks, which the cultural critics read as planned obsolescence. Ultimately the color outburst of the 1950s was contained by an updated version of the simplification project advanced by efficiency advocates such as Herbert Hoover and Margaret Hayden Rorke. A new generation of art directors cut back on the palette in the interest of controlling costs. By the last quarter of the 20th century, more Americans than ever before had dishwashers, phones, and cars, but they were available in fewer colors.

Regina Lee Blaszczyk is Professor of Business History and Leadership Chair in the History of Business and Society at the University of Leeds in the U.K. She is the author of 12 books, including “Imagining Consumers: Design and Innovation from Wedgwood to Corning,” “Producing Fashion: Commerce, Culture and Consumers,” and “The Color Revolution,” from which this article is excerpted.

via https://cutslicedanddiced.wordpress.com/2018/01/24/how-to-prevent-food-from-going-to-waste

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valoansarlingtontx · 5 years

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VA Loans in West Tawakoni Texas

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Specific home loan benefits

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Virginia 4 living-units. conventional loan

Market interest rates

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mylenderlist-blog · 5 years

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US Bank Home Mortgage

US Bank Home Mortgage is one among the several lines of business that the consumer banking division of US Bank operates in 24 states of the United States. These states are Arizona, California, Arkansas, Colorado, Illinois, Idaho, Indiana, Iowa, Kentucky, Kansas, Minnesota, Montana, Missouri, Nebraska, North Dakota, Nevada, Oregon, Ohio, South Dakota, Tennessee, Utah, Wisconsin, Washington, and Wyoming. The other business operations of the division include community banking, metropolitan branch banking, small business banking, consumer lending, community development, student banking and transaction services among many others. A subsidiary of US Bancorp, headquartered in Minneapolis, Minnesota, US Bank is now the fifth largest commercial bank with assets of over $300 billion. With nearly 16 million customers located worldwide, the bank provides a diverse array of services through a strong network of over 3,000 branch offices that employ as many as 60,000 people. All business operations of the bank can be grouped into four headings that also form the four main divisions of US Bank. These are payment Services, Wholesale Banking, Wealth Management & Security Services, and Consumer Banking. Richard K. Davis is the present Chairman, President, and CEO of US Bancorp.

US Bank Mortgage Rates

US Bank Mortgage Rates are visible online, but these are only for informational purposes and may not apply unless you talk to a loan officer to lock in a rate. The wholesale and correspondent lending programs offer another set of rates that are updated everyday and are provided exclusively to the registered brokers and lenders to help them serve their clients more efficiently.

The retail consumers can see US Bank Home Mortgage Rates Today online for a range of loan products. These include conforming fixed mortgages for 10, 15, 20 and 30 years, 15 and 30 year FHA and VA loans, 3 and 5 year ARMs, and 15 and 30 year fixed Jumbo loans. For more details, you can call toll-free at 800-365-8544 or email a loan officer of the bank.

US Bank Home Mortgage Login

An existing customer can get registered to avail online access to their mortgage and other accounts at the bank. The enrollment process is simple and requires few details to set up your login ID and password. With this login information you can sign in to your mortgage account whenever you want and make payments towards your mortgage at your convenience.

Moreover, if you enroll for US Bank Internet Banking facility, you can log in to your account to pay bills online without any stress and hassle. The online access to your account enables you to view your mortgage balance, transfer funds, review transaction history and see account statements without ever visiting to a branch. US Bank Home Mortgage Customer Service

US Bank has two separate departments for loan origination and servicing. Each has its own customer service phone number, which one can use to get more information and register complaints regarding any aspect. If you have questions related with payoff request, insurance, short sale, foreclosure, refinance products, loan modification and more, you can call these phone numbers to get required information. Phone Number to ask about new mortgage or refinance products: 800-365-8544Mortgage servicing customer service phone number: 800-365-7772 Read the full article

#Mortgage #MortgageCustomerService #USBankMortgageRates

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ericfruits · 5 years

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MBA: "Mortgage Delinquencies Rise in the Second Quarter of 2019"

From the MBA: Mortgage Delinquencies Rise in the Second Quarter of 2019

The delinquency rate for mortgage loans on one-to-four-unit residential properties increased to a seasonally adjusted rate of 4.53 percent of all loans outstanding at the end of the second quarter of 2019, according to the Mortgage Bankers Association's (MBA) National Delinquency Survey. The foreclosure inventory rate, the percentage of loans in the foreclosure process, was 0.90 percent last quarter - the lowest since the fourth quarter of 1995. The delinquency rate was up 11 basis points from the first quarter of 2019 and 17 basis points from one year ago. The percentage of loans on which foreclosure actions were started in the second quarter rose by two basis points to 0.25 percent. "The unemployment rate remains quite low, but the national mortgage delinquency rate in the second quarter rose from both the first quarter and one year ago. The economy is slowing, and this poses the risk of further increases in delinquency rates," said Marina Walsh, MBA's Vice President of Industry Analysis. "Across loan types, the FHA delinquency rate posted the largest variance, increasing 29 basis points from last quarter and 52 basis points from a year ago." Added Walsh, "Heavy rains and flooding, extreme heat, and tornadoes in certain states during the spring, may have also contributed to the increase in the delinquency rate, as some borrowers likely faced disruption or hardship." ... Compared to last quarter, the seasonally adjusted mortgage delinquency rate increased for all loans outstanding. By stage, the 30-day delinquency rate increased four basis points to 2.62 percent, the 60-day delinquency rate remained unchanged at 0.81 percent, and the 90-day delinquency bucket increased seven basis points to 1.10 percent. ... The delinquency rate includes loans that are at least one payment past due, but does not include loans in the process of foreclosure. The percentage of loans in the foreclosure process at the end of the second quarter was 0.90 percent, down two basis points from the first quarter of 2019 and 15 basis points lower than one year ago. This is the lowest foreclosure inventory rate since the fourth quarter of 1995. ... The serious delinquency rate, the percentage of loans that are 90 days or more past due or in the process of foreclosure, was at 1.95 percent - a decrease of 1 basis point from last quarter and a decrease of 35 basis points from last year. … The five states with the largest increases in their overall delinquency rate were affected by weather-related issues. This may have resulted in an increase in delinquencies over the previous quarter of the following magnitude: West Virginia (86 basis points), Mississippi (81 basis points), Alabama (73 basis points), Indiana (73 basis points), and New Mexico (65 basis points). emphasis added

Click on graph for larger image. This graph shows the percent of loans delinquent by days past due. There was an increase in delinquencies in Q2 - probably due to weather - but the overall level is low. The percent of loans in the foreclosure process continues to decline, and is now at the lowest level since 1995. https://ift.tt/2OT9YWy

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227snewfacebookfries · 6 years

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