How to Get Preapproved for a Home Loan #how #do #i #get #approved #for #a #home #loan


How to Get Preapproved for a Home Loan

Loan preapproval begins with finding a good lender and culminates with a letter stating your buying power. It s a must-have in many markets. Real estate agents request it because they know many sellers won t take you seriously without having a mortgage lender sign off on your credit and finances. The scope and accuracy of a preapproval varies based on the lender and the information you provide. A preapproval is usually considered more reliable than the less involved prequalification letter, which requires fewer details upfront.

Couple meeting with a loan officer

credit: Comstock Images/Stockbyte/Getty Images

Doubling Your Effort With Two Lenders

A mortgage broker or bank loan officer can initiate the preapproval process with you in person, over the phone or online. Online mortgage lenders provide relatively quick results with minimal time investment on your part. You can answer the lender s questionnaire using your computer and upload supporting documents. However, if you prefer to speak with and interview a single point of contact, work with a loan officer at a reputable bank or mortgage brokerage. To get a second opinion of your loan qualifications, get preapproved with at least two lenders.

Factors Analyzed for Preapproval

Guidelines, loan terms and conditions for loan preapproval vary by lender and your individual financial circumstances. However, there are a few generally accepted rules you must meet to gain preapproval. To determine whether you qualify for preapproval, the lender analyzes your:

  • debt load as represented by a debt-to-income ratio
  • minimum credit score and history
  • employment history
  • assets

These aspects of your finances work hand-in-hand. While you may not excel on every front, having a healthy debt load and a 20 percent down payment, for example, can get you preapproved despite less-than-excellent credit, with some lenders.

General Guidelines To Meet

Your DTI ratio for housing costs, known as a front-end ratio. should range between 28 percent and 31 percent. Total monthly obligations, including housing, are expressed as a back-end ratio. The back-end ratio is usually no more than 36 percent, but may be as high as 43 percent. Lenders typically require FICO scores of at least 620 or 640. However, you may be able to gain preapproval despite low credit with a higher down payment. That s because the amount you contribute from your own funds to buy a home offsets the lender s risk. Down payments range from 3 percent to more than 25 percent, depending on the loan type and property type.

Documentation Needed for Preapproval

Provide your lender with recent income and asset information. Exact paperwork needed depends on your circumstances. However, you usually must provide:

  • one month of paystubs
  • past two years of tax returns and W-2s
  • two months of bank statements and three months of investment account statements
  • recent profit and loss statements and business licenses, if self-employed

Most lenders must know precisely where your down payment comes from to ensure that it s not borrowed. They check for large or unusual deposits and may require written explanations to document the source of your funds.

Preventing Preapproval Problems

Cooperation with your lender and honesty are essential to a solid loan preapproval. A preapproval isnt a commitment to lend and it s subject to subsequent verifications and documentation, such as a home appraisal. Should the home or any aspects of your finances fall short of the lender s requirements, you may no longer qualify for a loan. Be completely up front with your lender and avoid making the following mistakes:

  • not fully disclosing additional income, employment, funds or tax write-offs
  • failing to disclose debts not on your credit report, such as alimony or child support
  • overspending, financing consumer purchases or taking on new credit lines
  • borrowing money from friends, family or other lenders
  • misrepresenting any aspect of your financial situation

Better Digital Photography – Photography Tips for the Beginner Photographer #better #digital #photography,using #a #dslr,learning #digital #photography,photography #tips #for #beginners,starting #photography


Better Digital Photography

15 Essential tips to Better Digital Photography

(Written 2007) There s a boom about to well, BOOM! In fact, it has already been booming for some time now. As digital photography gathers momentum, technology bounds on and prices lower, more and more people are taking up photography a little more seriously than before.

Maybe digital photography is popular because the staff at the local lab don t need to see your efforts while learning anymore. Maybe it s because you can shoot a gazillion photos at no extra cost. (Please note: a gazillion is quite a lot and you would need a memory card the size of a bus therefore it is not a word yet)!

Whatever the reason for its popularity, digital photography, in my opinion, hasn t even started yet. With the popularity of consumer DSLR s such as the Nikon D90, D5100, D7000 , the Canon EOS Digital Rebel TLi or the 50D, 60D, 5D Mark II all starting to fall to an affordable level, sales will inevitably increase rapidly.

The boom is expected to continue as companies like Canon and Nikon prepare to do further battle for your hard-earned cash.

With this boom of professional style camera ownership there comes a problem too.

It is all too easy to think that just because you have an all singing, all dancing DSLR, you are then a photographer who can maybe cope with a wedding or two.

There are many websites springing up giving advice on digital photography, but some have not a single photograph on them.

There is a lot more to photography than the equipment and there is a lot more to starting a photography business than that. These tips on better digital photography are aimed at the beginner, newbie or starter that wants to learn with a step by step approach, take things slowly but surely and eventually take better digital photography.

There is absolutely no reason why anybody cannot make a living at photography, but it takes time, dedication and determination (and a camera or two)! As a well known Nun once sang start at the very beginning! That is where we shall start, by simply holding the camera.

Note: Each page leads to the next Better Digital Photography tip, so there is no need to keep back-pedaling to here. Use the links at the bottom of each page.

Once you have completed this mini-course, be sure to check out our super awesome members section where you have a totally huge abundance of extended training including DSLR tips, wedding photography, stock photography, starting a business and more

Better Digital Photography was last modified: March 10th, 2015 by Nick


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Storage Area Networks #a #storage #area #network


Storage Area Networks

Storage Networking Platform for Data Center Business Advantage

Your data center infrastructure must evolve rapidly to improve resiliency, increase business responsiveness, and keep up with the growing demands of new applications while reducing overall power consumption. Storage costs are growing faster than server costs, increasing the need for efficient and cost-effective storage area networks. In highly competitive environments that comply with government regulations for data recovery, 24-hour access to critical information is imperative.

Cisco Storage Solutions benefits and features:

  • Multi-protocol storage networking – Reduces business risk by providing flexibility and options – FC, FICON, FCoE, iSCSI, and FCIP
  • Unified OS and Management tools for reduced opex – operational simplicity, seamless interop, and feature consistency
  • Enterprise-class storage connectivity to support significantly higher virtualized workloads – availability, scalability, and performance
  • Services-Oriented SANs – to extend Any Network Service to any Device regardless of Protocol, Speed, Vendor, or Location

Cisco solutions for storage area networks provide:

  • Disaster Recovery / Business Continuance
    You have instantaneous access to data from multiple tiers, for disaster recovery.
  • Virtualization
    IT managers can provision their storage infrastructure.
  • Security
    Your data is protected when it is at rest and while it is being transported and replicated.
  • Consolidation
    Storage professionals can consolidate resources by taking advantage of highly scalable, intelligent SAN platforms.
  • Data Mobility
    A seamless, nondisruptive migration strategy is imperative for deployment flexibility and to support dynamic growing challenges of enterprise.

Storage area networks are central to the Cisco Data Center Business Advantage architecture, providing a networking platform that helps IT departments achieve lower total cost of ownership, enhanced resiliency, and greater agility through Cisco data center storage solutions.

Featured Products

The Cisco MDS 9148 Fabric Switch provides 48 line-rate 8-Gbps ports and offers cost-effective scalability through on-demand activation of ports via software licensing.

The Cisco MDS 9000 16-Port Storage Services Node (SSN-16) hosts four independent service engines. Each of them can be activated individually and incrementally to scale as business requirements change, or they can be configured to run separate applications

The Cisco I/O Accelerator (IOA) provides a fabric-based, highly integrated, topology-independent acceleration service to improve remote I/O performance and bandwidth utilization over metropolitan and wide area networks.

Increase Data Center Efficiency

Data center managers want to increase the efficiency of their data centers by reducing power and cooling requirements, increasing overall use of servers and applications, isolating application traffic, and addressing security issues related to data integrity.

Cisco storage networking solutions addresses these requirements by:

  • Providing efficient SAN consolidation
  • Offering investment protection
  • Addressing data integrity concerns
  • Participating in the Cisco Energy Assurance Program

Disaster Recovery/Business Continuance
Cost-effective remote backup and recovery solutions from Cisco allow uninterrupted access to data, help your business meet performance metrics, and provide security for backup applications.

  • Synchronized /asynchronized distributed data centers extension over an optical connection (ONS 15400 ) and IP (FCIP ) for continuous service in the event of site disruptions
  • Continuous data replication (CDR) and continuous remote replication (CRR) using Cisco SANTap and EMC RecoverPoint along with I/O Accelerator

SAN fabrics themselves can be virtualized, enabling the consolidation of multiple physical fabrics into a more scalable, cost-effective infrastructure, just as virtual machines allow you to do with servers.

Cisco pioneered VSANs seven years ago when the MDS 9000 Family was introduced, and they form the basis of the industry’s Virtual Fabric standard. VSANs provide isolation of traffic, fabric faults, and administrative responsibilities.

Cisco address these security concerns and government regulations on protecting data inside the storage environment without slowing or disrupting business-critical applications.

  • Storage Media Encryption (SME):Encrypt data at rest on heterogeneous tape devices and virtual tape libraries
  • Secure Erase. Erase existing data at a specific logical unit number (LUN) on a storage array
  • Link Encryption. Encrypt data in flight on Fibre Channel links

The Cisco MDS 9000 Family consolidation solutions can help you reduce business risk, improve agility, and reduce costs. Enterprise-class storage connectivity provides scalability of up to 528 ports in a single MDS 9513 chassis. ANSI T11-based Virtual SANs (VSANs) let you separate a large physical fabric into multiple, smaller virtual fabrics each with their own set of fabric services using hardware-based data and control plane isolation.

Unified OS and Management tools provide operational simplicity, seamless interoperability, and feature consistency across the Cisco MDS 9000. Cisco Nexus 7000. Cisco Nexus 5000. and Cisco Nexus 1000V product families.

Data Mobility
Cisco Data Mobility Manager (DMM) provides an innovative solution for transparent data migration without additional virtualization layers, along with the flexibility to support a wide variety of applications in a timely manner.

The DMM’s transparent insertion feature makes it possible to initiate and perform data movement:

  • Without any configuration changes to the host, the SAN, or the array
  • With minimal disruption to the application
  • Without needing support from systems, database, or applications administrators

Build Scalable, Secure SAN Solutions

Cisco and its storage partners provide tested and validated solutions that help customers efficiently create high-performance storage environments. With these joint solutions, customers can accelerate deployment, reduce risk, and cut preproduction testing time and costs.

Storage Partners

To test and validate data center and SAN solutions, Cisco works closely with mulitple partners:

More Resources

Improving Business-Process Flow (PDF – 650 KB)
Cisco MDS 9000 family switches make the Oracle 11i environment easy to deploy, upgrade, manage, and scale.

Mixing Traffic on the Same SAN
The Cisco MDS 9000 product line delivers the benefits of IBM FICON intermix without sacrificing traffic separation and resilience.

Building Intelligent Storage Networks
Create and deploy your own storage environments with these storage networking designs.

Featured Content

Cisco MDS 9000 Overview
Get an overview of Cisco MDS 9000 Family features and benefits.

Investment Protection
Learn how the Cisco MDS 9000 Family provides a leading high-density, high-bandwidth storage networking solution and integrated-fabric applications to support dynamic data center requirements.

Statement of Direction
The Cisco MDS statement of direction is a quick summary of the Cisco Storage Networking Solutions portfolio that also describes ongoing research and development efforts.

More Resources

Fun Sequencing Activities for If You Give a Pig a Pancake #if #you #give #a #mouse #a #cookie #series


“If You Give a Pig a Pancake” – Sequencing Activities

written by: Pam Cannon • edited by: Amanda Grove • updated: 7/12/2012

“If You Give a Pig a Pancake” provides another fun filled opportunity for students to learn more about sequencing. This skill is important in comprehension, giving and receiving instructions, retelling a story and story writing. What fun you and your students will have with a pig and a pancake!

Gather the students together and share “If You Give a Pig a Pancake.”

After talking about the story and looking carefully at the illustrations, ask for volunteers to retell the story. As the story unfolds print on chart paper each of the events. Read with the students and ask if that is the story in the right sequence (order).

Ask the students why they think it is important to tell or do things in the right order. As an example ask each child to take off one shoe. Now ask them to: 1) Put your foot in your shoe. 2) Fasten your shoe. 3) Stand up. Now repeat this action but mix up the order. e.g. 1) Fasten your shoe. 2) Stand up. 3) Put your foot in your shoe.

Story Necklace

Now is a good time to introduce sequence activities for “If You Give a Pig a Pancake.”

Review the story again and draw attention to the chart sentences in the correct order. Tell the children that they are going to make a story necklace. Provide each student with 6 – 8 pieces of light card approximately 2″ X 3″ (5cm X8cm). Use a paper punch and punch two holes in the top of each card. Ask students to make a picture and print a sentence (or word) for events in the story. When the pictures and writing are complete thread the cards (using the holes punched in the top of each card) onto a pipe cleaner in the correct order. Add enough yarn to each end so that the necklace can be loosely tied around the student’s neck. N.B. Pipe cleaners work better than yarn as the cards will stay flat and not bunch up.

Roll Out a Story

Provide students with long strips of paper approximately 30″ X 4″ (75cm X 10cm) – or with blank adding machine tape. Tell them that they are going to make a movie. Ask them to draw pictures in the correct sequence of ‘If You Give a Pig a Pancake.” For students who are able they should print a caption under each illustration. When the pictures and writing is complete add a toilet paper roll to each end and roll the story paper onto the roll at the beginning. Then each child can unroll their story from one tube to the other in “movie” style.

Orally presenting and reading stories is an exciting way for children to celebrate their writing. This roll-out-a-story design is fun to share as it relates to the making of movies. Everyone will have a good time. You might even serve popcorn while you “watch” the movies!

After examining the circle sequence of the story ask students what happens in our lives every year? What sequence are we very familiar with? (seasons) Using the templates one and two ask students to make a circle story of “Give a Pig a Pancake.”

Number Sequence

Ask the students to count the number of pages in the book. What is the last number? What number comes before that? What is the first number? What number comes after that? Choose a number. Tell what comes before it and what comes after it. Students readily recognize the importance of sequence in numbers.

Have a pancake party to finish off the sequence activities for “If You Give a Pig a Pancake.” Even if there are no cooking facilities an electric frying pan can be used – with careful supervision of course! Emphasize the importance of following the sequence of the recipe to make the pancakes.

Collect copies of “If You Give a. ” books and encourage your students to read and reread them. They may wish to write a letter to the author or the illustrator to tell why they enjoyed their books.

Introduce students to the joy of books and incorporate learning activities – every day will be a great day in the classroom!

Business Loans, Westpac, business loans to buy a business.#Business #loans #to #buy #a #business


Business loans

When you don’t want to use cash flow to purchase new assets.

Business loans to buy a business

Use your asset as security to buy, hire or lease a new vehicle/equipment.

  • Business vehicle finance: Buy, hire or lease the latest model without tying up your cash.

We ll be in touch within 1 working day.

Business Overdraft

Provides cash flow relief with funds to cover business expenses, such as invoices and wages until you’re paid.

Business loans to buy a business

An overdraft is ongoing (no fixed term), and you repay what you can, when you can – as long as the overdraft stays under the agreed limit.

  • Unsecured Business Overdraft: Up to $50k. No asset security taken. Director’s Guarantee required for Corporate borrowers.

We ll be in touch within 1 working day.

Business Loan

Great for purchasing an existing business or franchise, or investing to grow.

Business loans to buy a business

Borrow from $20,000 with a Westpac Business Loan. A choice between a fixed rate with predictable repayments or variable rate with flexible repayment options.

We ll be in touch within 1 working day.

Looking for other business loans?

Get started online

We’ll be in touch within 1 working day.

What are your vehicle repayments?

Get an estimate of your business vehicle finance repayments.

Find a business banker

Call or visit your local branch

Need some help?

Articles to help you make a decision on the business loan that’s right for you:

Learn more about
Things you should know

Credit criteria, fees, charges, terms and conditions apply. Talk to your banker for product details.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

Best Franchise Opportunities For Sale In The UK, Business Franchising Advice, how to franchise a business.#How #to #franchise #a #business


how to franchise a business

How to franchise a business

Barking Mad provides top quality dog holiday care in a home environment, rather than at a kennels. We have hosts with whom dogs stay whilst their owners are on holiday. It works very well – you get to meet lots of people and dogs and organise your own schedule.

Industry focus

Use your experience to help people develop their true potential

How to franchise a business

Last year a report from the UK Commission for Employment and Skills reported that in 2015, the last year for which they have figures, the UK spent 45.4bn on training and development. In this exclusive article. LMI discuss why this is a good opportunity for individuals with the appropriate business skills and life experiences. To find out more about this lucrative industry. Read more..

UK Franchisor Interviews

Exclusive interview with Nick Lyons, No Letting Go

How to franchise a business

Nick Lyons knows all about franchising from both sides of the coin! He previously was a franchisee for an estate agency franchise before deciding that he wanted to start his own business in the lettings industry and take it down the franchise route. In this exclusive interview we speak to Nick on how he started his business, successes to date, plans for the future and his advice for anyone looking to franchise their business.

Master licenses

Are you looking to expand your investment portfolio? Are you interested in becoming a master franchisee for an international brand? If so we will help you to understand how you can be involved in this exciting investment opportunity. Read more about buying a master franchise

Ask the experts

How to franchise a business

Franchising can be a very complex area and to make sure you find the right franchise for you, or set up your own franchise correctly, is it imperative that you do as much research as possible. This includes seeking professional help and advice. Our Ask the Expert section allows you to post questions regarding funding a franchise, legal issues, accountancy, consultancy and general franchise advice. Post your questions to our panel of experts

Raising finance

It is a big step from deciding to start a franchise to actually opening your doors for business. For many, one of the biggest hurdles is approaching the bank for finance. Read more about funding a franchise

Settle down in the USA

How to franchise a businessEvery year more and more people move to the United States of America and are successful in the immigration process. One of the most successful methods to achieve a permit to work and stay in the USA is through buying a business and creating employment.


  • How to franchise a business
  • How to franchise a business
  • How to franchise a business
  • How to franchise a business
  • How to franchise a business
  • How to franchise a business
  • How to franchise a business
  • How to franchise a business
  • How to franchise a business

Featured master franchise

How to franchise a business Mexcla is a ‘fast-casual’ Mexican style eatery founded in 2015 in Sao Paulo, Brazil that serves high quality fresh food. The Mexcla brand is owned by Bloomin’ Brands, a Florida-based hospitality company which owns five other restaurant brands including Outback Steakhouse® and Abbraccio Cucina Italiana™. Bloomin’ Brands hopes to grow Mexcla worldwide and is looking for franchisees in the UK to help it enter the British market.

Donate A Car For Kids #donate #a #car,donating #a #car,car #donation


donate a car for kids

Want to donate a car? Want the BEST tax deduction possible? Donating a car for kids cancer is easy! Join thousands of happy donors that are making a difference! (and getting a much needed tax break!) The process is so easy…all we’ll need from you is the title and the keys…that’s it… we’ll do the rest.

Donating a car is more than just a great tax deduction

When you make a car donation

  • it’s helping ill children get proper medical care
  • it helping a family pay for expensive medicine and medical equipment
  • it’s helping a struggling family keep the lights on
  • it’s helping to build self-esteem and confidence in a child

Cars for Kids Cancer is brought to you by the American Children’s Society, Inc. Your old car helps children with cancer, and you receive a tax break. It’s a win win situation! We accept any type of vehicle in any condition!

For the past 15 years, our vehicle donation experts have been helping auto donors get the highest value when donating a car.

For fast, free pick up, please call or use our online form.

* Receive the Highest Tax Deduction

* We accept automobile donations regardless of condition

The process is so easy…all we need from you is the title and the keys…that’s it… we’ll do the rest. Can’t find the title? That’s not a problem, just have the registration and insurance card as proof of ownership.

Please donate a car today!

Registered with the IRS, as a 501(c)(3) Non-Profit Organization. your auto donation can qualify for a tax deduction. When you choose our donate a car for kids program, you’ll be helping children with cancer and other life threatening illnesses.

We have been accepting donate vehicles for over a decade. Thanks to generous donors, we have been able to help children all across America! When you donate cars for kids, you are helping kids with cancer and other life threatening illnesses!

Donating a car to the American Children’s Society helps children with cancer and other life threatening illnesses. We provide monetary support through direct payment of medical bills, transportation assistance, and much more to families that are financially challenged by a child’s illness.

Thinking of donating a car? Our auto donation center makes it so easy to get the best tax deduction while making things easier for kids with cancer. Help make a change a child’s life!

Car Charity : When you donate cars for kids, you’re helping children while getting a tax deduction. Your old vehicle can be used as a tax write-off when you donate it to charity.

Why Donate A Car? That’s up to you, but please know that a car donation can help families in their time of need.

We make it ease for you to donate car online. Just fill out the form and click send. We’ll do the rest.

What we need to know when you’re donating a car: Information about the car (year, model, make), where to pick it up from, and who to make the donation papers out to. That’s it.

Donate A Car In :

AL – AZ – AR – CA – CO – CT – DE – FL – GA – HI – ID – IL – IN – IA – KS – KY – LA – ME – MD – MA – MI – MN – MS – MO – MT – NE – NV – NH – NJ – NM – NY – NC – ND – OH – OK – OR – PA – RI – SC – SD – TN – TX – UT – VT – VA – WA – WV – WI – WY American Children’s Society, a children’s charity Donate a car charity, the American Children’s Society helps kids with cancer and other life threatening illnesses. See just how donating a car helps kids here in the US. Donate my car to help children with cancer Cars For Kids Can I donate my car to charity, help kids with cancer and get a tax deduction? YES you can! The American Childrens Society’s cars for kids auto donation program. Guide on Car Donations The guide on car donations. Find all of the information you need to donate a car right here. It is very easy, get the facts right here. What you need to know, how to donate a car guide. Car Donation Tax Deduction Information The car donation tax deduction information that you’re looking for. How the IRS views the tax deductible vehicle donation that you make. Where To Donate A Car Cars For Kids Cancer Donation Want to know where to donate a car? Donating a car is easy when you choose the American Children’s Society for your donation needs. We help kids with cancer and other life threatening illnesses. Donate A Car To Charity All of the information that you need on donate a car to charity. The how to, what is needed from you, what you can expect and more. Why Donate A Car If you’re asking yourself, why donate a car,think of helping a charity that helps kids. We can use your car donation to help kids. If you have a car to donate, please call 1-800-785-6544. Cancer Car Donation, cars for kids by the American Childrens Society Cancer car donation by the American Childrens Society. Donating cars for kids with cancer is easy. Just have proof of ownership and the keys, we’ll do the rest. Give us a call at 1-800-785-6544. Donate Car Online Donate car online with the American Children’s Society. Help kids with cancer and get the highest tax deduction! Call 1-800-785-6544 today. Donating A Car, Our auto donation program helps children Donating a car can help children with life threatening illnesses. When you give a car to our charity, there are several different ways we use that car. Call 1-800-785-6544 for free pick up. Contact Donate A Car For Kids Conact donate a car for kids

About Us

Car Donation Guide


How long does it take to get a doctorate? Back to College Blog, how long does it take to get a doctorate degree.#How #long #does #it #take #to #get #a #doctorate #degree


How long does it take to get a doctorate?

How long does it take to get a doctorate degree

How old are you? 40? 45? 50? 54? Somewhere in between?

It’s taken you two, three or more decades to become as successful in your career as you have. And while you probably didn’t think too much about where you’d be 20 or 30 years from when you started your career, well, here you are.

The years of effort and professional growth have been worth it.

And just when a lot of people would be on the downswing or at least in coasting mode, you’re thinking of taking it to the next level, challenging yourself, growing in your discipline and transforming your career by reaching your highest professional level. You’re ready to earn your terminal degree.

What you’re doing is reflective of something champion-boxer Muhammad Ali once said, “He who is not courageous enough to take risks will accomplish nothing in life.”

It is a bold and courageous thing you’re about to do, but what an achievement it will be.

Some people may even try to talk you out of it. Some may shake their heads in disbelief. Others may secretly wish they could do what you’re doing. And still others will cheer you on and support you to completion.

The most important thing, however, is that you’re committed to reaching your goal. Of course, the right professional doctoral program designed for the working adult can help. But, ultimately, you’re the one who has to put in the effort and do the work required.

The question, then, is how long will it take to earn your doctorate degree?

Statistically speaking, a Ph.D. takes twice as long as a bachelor’s degree to complete. In fact, according to a CBS Moneywatch report , the average student takes a very long 8.2 years to go through a Ph.D. program – and that’s if they finish.

However, if your career objectives make the applied doctorate a good option for you , the completion time conundrum becomes a completely different equation.

So here’s the short answer for how long it takes to earn an applied doctorate degree:

Now here’s the long answer:

Because the truth is:

  1. Every doctoral program has its own structure.
  2. Every college or university has its own program requirements.
  3. Every educational institute has its own transfer-credit policies.
  4. Every student has his or her biases and circumstances that can impact outcome.

Each of these four factors will determine, in part, how long it will take to finish your doctoral studies.

For example, as designed, Franklin University’s three applied doctoral programs (Doctor of Business Administration or DBA in Management ; Doctor of Professional Studies or DPS in Instructional Design Leadership ; and Doctor of Healthcare Administration or DHA ) should take about three years to complete.

However, with up to 24 hours of previously earned doctoral coursework or professional certifications transferred toward the degree, at Franklin, it could take less than three years to earn your doctorate.

Of course, lots of other factors specific to you and your situation can also come into play when determining how long it will take for you to earn your doctorate.

So, how ready are you? Take this quick quiz to find out.

How much time do you have to invest in pursuing your doctorate?

  • None – but I’m doing it anyway.
  • I’m all in!
  • I’ll make it work on a part-time basis.

Quick tip: The more time you invest, the quicker you could finish.

Will you take any breaks from the program?

Quick tip: Taking a breather can be good medicineas long as you get right back to it.

What will be the subject of your dissertation?

  • I have several already in mind.
  • I want to consult with my advisor.
  • I don’t have a clue at this point.

Quick tip: Choose a relevant topic of interest with plenty of research fodder.

Will finances play into the amount of time you have to spend?

Quick tip: Don’t let financing get you down. Investigate the options, such as installment payment plans.

Will you take advantage of any available support resources?

  • I’m a self-starter so I don’t need it.
  • Everything I can.
  • Maybe some.

Quick tip: Student resources and faculty support can help you stay motivated and on track.

How self-motivated, ambitious and driven are you?

Quick tip: Know your capabilities and limitations, as well as be realistic about your expectations.

Did your answers make you think? Good. They were supposed to.

This little quiz isn’t so much about how you answered the questions, rather it’s to help you recognize that YOU have a lot of control over how long it will take you to earn your doctorate.

Want to accelerate your completion time? Try one or more of these ideas:

  1. Maximize your transfer credit. Ask the college or university about their policy on accepting previously earned credits or certifications. For example, did you start and stop a doctoral program already? If so, ask if they will they honor your prior credits. Will they give you credit for what you already know, thanks to professional experience or relevant credentials? Transfer credit can help you earn your applied doctorate degree faster, as well as reduce your overall tuition expenses.
  1. Choose the right program. While most programs require a year (or more) to complete the dissertation, an embedded dissertation process integrates the dissertation within the course framework so you have a head start when it comes time to focus on the dissertation. Online classes, an embedded dissertation process, faculty-supported mentoring, and the availability of student resources and learning communities can impact the length of your time in a doctoral program.
  2. Leverage all the support you can. Whether it’s help on the home front, on the job or through your chosen university, it truly takes a proverbial village to press on during times of difficulty or stress. Such things as faculty mentoring to guide your topic interests, a personal librarian to help with research resources, vibrant learning communities, peer support and more can really help to keep you motivated and on track for completion.

So, how long do doctoral programs usually take? If you pick the right program, work hard and remain focused, you can finish in about three short years.

Find out if Franklin University’s applied doctorate programs are right for you.

What is Cloud Computing? Webopedia Definition, start a cloud computing business.#Start #a #cloud #computing #business


cloud computing

Cloud computing is a type of computing that relies on sharing computing resources rather than having local servers or personal devices to handle applications.

In cloud computing, the word cloud (also phrased as “the cloud”) is used as a metaphor for “the Internet,” so the phrase cloud computing means “a type of Internet-based computing,” where different services such as servers, storage and applications are delivered to an organization’s computers and devices through the Internet.

Start a cloud computing business

A Simple Description

In its most simple description, cloud computing is taking services (“cloud services”) and moving them outside an organizations firewall on shared systems. Applications and services are accessed via the Web, instead of your hard drive. The services are delivered and used over the Internet and are paid for by cloud customer (your business), typically on an “as-needed, pay-per-use” business model. The cloud infrastructure is maintained by the cloud provider, not the individual cloud customer.

Cloud computing is comparable to grid computing, a type of computing where unused processing cycles of all computers in a network are harnesses to solve problems too intensive for any stand-alone machine.

How it Works

Cloud computing applies traditional supercomputing, or high-performance computing power, normally used by military and research facilities, to perform tens of trillions of computations per second. In consumer-oriented applications such as financial portfolios, to deliver personalized information, to provide data storage or to power large, immersive online computer games.

To do this, cloud computing uses networks of large groups of servers typically running low-cost consumer PC technology with specialized connections to spread data-processing chores across them. This shared IT infrastructure contains large pools of systems that are linked together. Often, virtualization techniques are used to maximize the power of cloud computing.

Start a cloud computing business

Cloud Computing Standards

The standards for connecting the computer systems and the software needed to make cloud computing work are not fully defined at present time, leaving many companies to define their own cloud computing technologies. Organizations choose cloud providers that satisfy their needs. Cloud computing systems offered by companies, like IBM’s “Blue Cloud” technologies, for example, are based on open standards and open source software which link together computers that are used to to deliver Web 2.0 capabilities like mash-ups or mobile commerce.

Organizations such as the Distributed Management Task Force (DMTF), the National Institute of Standards and Technology (NIST), Open Cloud Consortium (OCC) and Open Grid Forum (OGF) are a few of the many organizations that have suggested some type of standard or suggested guidelines.

In the Data Center and for Small Business

Cloud computing has started to obtain mass appeal in corporate data centers as it enables the data center to operate like the Internet through the process of enabling computing resources to be accessed and shared as virtual resources in a secure and scalable manner.

For a small and medium size business (SMB), the benefits of cloud computing is currently driving adoption. In the SMB sector there is often a lack of time and financial resources to purchase, deploy and maintain an infrastructure (e.g. the software, server and storage).

In cloud computing, small businesses can access these resources and expand or shrink services as business needs change. The common pay-as-you-go subscription model is designed to let SMBs easily add or remove services and you typically will only pay for what you do use.

Common Cloud Service Models

Cloud services are typically deployed based on the end-user (business) requirements. The primary services include the following:

Software as a Service (SaaS)

A software delivery method that provides access to software and its functions remotely as a Web-based service. Software as a Service allows organizations to access business functionality at a cost typically less than paying for licensed applications since SaaS pricing is based on a monthly fee.

Platform as a Service (PaaS)

A computing platform being delivered as a service. Here the platform is outsourced in place of a company or data center purchasing and managing their own hardware and software layers.

Infrastructure as a Service (IaaS)

A computer infrastructure, such as virtualization, being delivered as a service. IaaS is popular in the data center where software and servers are purchased as a fully outsourced service and usually billed on usage and how much of the resource is used

Eligibility – VA Home Loans, – request for a certificate of eligibility.#- #request #for #a #certificate #of #eligibility


VA Home Loans

You must have satisfactory credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan. The home must be for your own personal occupancy. The eligibility requirements to obtain a COE are listed below for Servicemembers and Veterans, spouses, and other eligible beneficiaries.

VA home loans can be used to:

  • Buy a home, a condominium unit in a VA-approved project
  • Build a home
  • Simultaneously purchase and improve a home
  • Improve a home by installing energy-related features or making energy efficient improvements
  • Buy a manufactured home and/or lot
  • To refinance an existing VA-guaranteed or direct loan for the purpose of a lower interest rate
  • To refinance an existing mortgage loan or other indebtedness secured by a lien of record on a residence owned and occupied by the veteran as a home

Eligibility Requirements for VA Home Loans

Service during wartime:

Service during peacetime:

If you were separated from service:

* 90 days applies for wartime

Active-duty service personnel:

Selected Reserve or National Guard:

*Individuals who completed less than six years may be eligible if discharged for a service-connected disability.

You may also be determined eligible if:

  • You are an un-remarried spouse of a Veteran who died while in service or from a service-connected disability
  • You are a spouse of a Servicemember missing in action or a prisoner of war
  • You are a surviving spouse in receipt of Dependency and Indemnity Compensation (DIC) benefits in cases where the Veteran’s death was not service-connected

A surviving spouse who remarries on or after age 57 and on or after December 16, 2003, may be eligible for the home loan benefit. However, a surviving spouse who remarried before December 16, 2003, and on or after age 57, must have applied no later than December 15, 2004, to establish eligibility.


The spouse of a Veteran can also apply for home loan eligibility under one of the following conditions:

  • Unremarried spouse of a Veteran who died while in service or from a service connected disability, or
  • Spouse of a Servicemember missing in action or a prisoner of war
  • Surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003

(Note: a surviving spouse who remarried before December 16, 2003, and on or after attaining age 57, must have applied no later than December 15, 2004, to establish home loan eligibility. VA must deny applications from surviving spouses who remarried before December 6, 2003 that are received after December 15, 2004.)

  • Surviving Spouses of certain totally disabled veterans whose disability may not have been the cause of death
  • Other Eligible Beneficiaries

    You may also apply for eligibility if you fall into one of the following categories:

    • Certain U.S. citizens who served in the armed forces of a government allied with the United States in World War II
    • Individuals with service as members in certain organizations, such as Public Health Service officers, cadets at the United States Military, Air Force, or Coast Guard Academy, midshipmen at the United States Naval Academy, officers of National Oceanic Atmospheric Administration, merchant seaman with World War II service, and others

    Restoration of Entitlement

    Veterans can have previously-used entitlement “restored” to purchase another home with a VA loan if:

    • The property purchased with the prior VA loan has been sold and the loan paid in full, or
    • A qualified Veteran-transferee (buyer) agrees to assume the VA loan and substitute his or her entitlement for the same amount of entitlement originally used by the Veteran seller. The entitlement may also be restored one time only if the Veteran has repaid the prior VA loan in full, but has not disposed of the property purchased with the prior VA loan. Remaining entitlement and restoration of entitlement can be requested through the VA Eligibility Center by completing VA Form 26-1880.

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