If you’re applying for a mortgage loan or have applied for one in the past, you’ve possibly heard of Fannie Mae Form 1003, Uniform Residential Loan Application. Form 1003 is the standard form used by most mortgage lenders to collection the information of a potential borrower necessary to determine whether the applicant is qualified to…
If you’re starting a new business, you’ll need to get an Employer Identification Number or EIN from the Internal Revenue Service (IRS). The EIN is what the IRS uses to identify your company for tax purposes. Often the EIN is also referred to as a Federal Tax Identification Number. The applying process for a new…
For as long as I can remember, I’ve always enjoyed drinking a warm cup of lemon water with honey mixed into it. As a kid who suffered with allergies growing up, my mom would often heat up water and mix in fresh lemon juice along with honey to sweeten the natural remedy. Drinking that mixture…
Sometime during 2010, I heard a lot of buzz in my work office, where there were lots of developers and other technical types, about a shiny new digital currency experiment that the most geeky of geeks in the office were referring to as Bitcoin. It seemed gimmicky to me at the time, besides being complicated,…
Recently there has been a lot of buzz about how much money the Mormon Church has in its possession after an accusation came out from former church members and twin brothers David and Lars Nielsen. David was a former employee of church-owned investment firm Ensign Peak Advisors. The claim from the Nielsens is that the…
Article Summary The United States Department of Agriculture’s Office of Rural Development provides grants, loans, and loan guarantees to help rural communities, along with providing technical support and other resources. Access to grants, loans, and loan guarantees is dependent upon the qualifications of each program offered under the Rural Development agency. In addition to providing…
Article Summary The closest Chase Bank to Charlotte, North Carolina is in Clemson, South Carolina (near the Clemson University campus), which is about a 2-hour drive (133 miles) from Charlotte. Until August, 2019, when the Chapel Hill location was opened, Chase had no branches in the state of North Carolina. Chase says that it has…
Article Summary The Public Service Loan Forgiveness (PSLF) program was established by the federal government to allow professionals to have their student loan debt forgiven. Participating in the PSLF program requires you to work for a qualified employer as specified by the US Department of Eduction. Qualified employers include government and non-profit organizations. Only Direct…
The erosion of morality and traditional values – especially over the several decades since the sexual revolution of the 1960s – has created a culture in modern society that is confusing in too many ways. Random public shootings, depression, anxiety, suicide, a general lack of honesty and integrity, and a host of other societal breakdowns…
CIT Bank is an online bank based in Pasadena, California that offers personal and business banking products and services. Although CIT Bank is best known as an online bank, which allows it to provide high yield returns on savings and other types of deposit accounts, it is also a sister bank to OneWest Bank, which…