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

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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

Welcome to GSA eLibrary #how #do #phone #contracts #work


Welcome! GSA eLibrary is your one source for the latest GSA contract award information. GSA offers unparalleled acquisition solutions to meet today’s acquisition challenges. GSA’s key goal is to deliver excellent acquisition services that provide best value, in terms of cost, quality and service, for federal agencies and taxpayers.

GSA offers a wide range of acquisition services and solutions utilizing a variety of tools, contract vehicles, and services to meet the customer’s specific needs including Multiple Award Schedules, Governmentwide Acquisition Contracts, Technology Contracts, and Assisted Acquisition Services. For more information on what GSA has to offer,visit

enter Keywords, Contract Number, Contractor/Mfr Name,Schedule/SIN/GWAC Number,NAICS

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Announcing the new Human Capital and Training Solutions (HCaTS) Program contracts. HCaTS provide reliable, flexible, fast and efficient ways to obtain best value customized solutions for human capital management and training requirements. Additional information can be found on the HCaTS webpage

GSA eBuy is an easy-to-use electronic Request for Quotation (RFQ) system designed to facilitate the request for submission of quotations.

With eBuy, getting quotes is just a click away!

How to Drive a Car (with Pictures) #what #to #do #when #you #re #in #a #car #accident


How to Drive a Car

Learning how to drive is a lot easier than it looks. It looks intimidating from the passenger’s seat, or in films, but once you get behind the wheel and gently put your foot on the pedal, the process becomes very intuitive. If you’re a defensive driver and learn to take things slow in the beginning, you’ll be well on your way to mastering the basics. This article assumes you’ll be driving a vehicle with an automatic transmission. If you’re not driving an automatic, you’ll need to read about the basics of driving stick-shift (manual transmission) instead, although the general process will still be similar.

Steps Edit

Part One of Four:
Getting Comfortable with the Car’s Controls Edit

Adjust the seat so that your feet comfortably reach both pedals. You can adjust your seat forward and backward, as well as up and down. Some cars will have electronic controls (usually on the left side of the seat), while older cars will usually have a lever underneath the seat that lets you control the position of the seat. But you can tell the difference.

Familiarize yourself with the foot pedals. In an automatic car, the two foot pedals control acceleration and braking, respectively. The rightmost pedal (which is usually smaller than the other pedal) is the accelerator, and pressing down on it makes the car move forwards; the harder you press it, the faster the car will move. The pedal to the left, which is usually larger than the accelerator; is the brake pedal, and pressing down on it slows the car down.

  • Even if you feel more confident using your left foot, always use your right foot to reach both pedals. It will feel strange at first if you’re left-footed, but getting used to it is very important because it’s proper technique and ultimately much safer.
  • Never use both feet at once to reach the pedals. Only use one foot — your right foot — to use each pedal. This will make it impossible to accidentally press down on both pedals at the same time.

Adjust your car’s mirrors so that you can see through them clearly and effectively. Your car should have three mirrors: one rear-view mirror, which allows you to see directly the rear windshield behind you, and two outside mirrors which let you see to either side of the car and protect you from blind spots. [1]

  • Your rear-view mirror should be positioned so that when you’re in your normal driving position, you can see directly behind you and as much of the rear windshield as possible.
  • The Society of Automotive Engineers has one recommendation for how to position your outside mirrors in order to eliminate blind spots. It recommends positioning the mirrors further outward than normal, so that they just overlap with the viewing angle of the rear-view mirror. [2] Although disorienting at first, this positioning actually allows the driver to see cars in their blind spots which they might otherwise only be able to spot by looking over their shoulder.

Know where the parking brake (also called a handbrake, e-brake or emergency brake) is and what it does. The parking brake is a longer lever with a button on it’s very tip. When the parking brake is pulled up, it helps lock the car into place on the ground, ensuring that it doesn’t move. When the brake is let down, it is disengaged and the car can freely move. Make sure that your parking brake is disengaged before you start driving.

Get a feel for the gear stick (also called: shift lever, gear lever, shifter or simply, “the stick”). The gear stick is usually positioned in between the two front seats of a car, and it controls the gearbox (park, neutral, drive, reverse). Sometimes in certain vehicles, the shift lever is on the right-side of the steering wheel.

  • If your gear stick is engaged in Park and you turn your ignition on, the car won’t move forward no matter how hard you press down on the accelerator.
  • If your gear stick is in Neutral. your car’s natural momentum will continue to move it forward.
  • If your gear stick is in Reverse. your car will move backwards instead of forward when you take your foot off the brake.
  • If your gear stick is in Drive. your car will move forwards when you take your foot off the brake.

Understand your the basic dashboard controls/symbols. These gauges display to the driver how much fuel the engine has left, how fast the car is going, how hot the engine is, and how many RPM (revolutions per minute) the engine is clocking.

  • The speedometer is probably the most important dashboard display in the car. It tells you how fast your car is traveling, in either miles per hour (mph) or kilometers per hour (kph).
  • The RPM gauge tells you how hard your engine is working. Most RPM gauges will have red areas starting at 6,000 or 7,000 RPM. When the dial in the gauge, travels into the red, learn to ease off the acceleration.
  • The fuel gauge tells you how much fuel your car has left. It usually has a dial, like the hand of a clock that travels between “F” and “E,” with “E” signaling “empty” and “F” signaling “full.” Some more modern cars have digital fuel gauges; where electronic bars are displayed like the battery symbol on a mobile phone, and gradually decrease in quantity depending on how much fuel is in the car.
  • The temperature gauge in the car tells you whether your car’s engine is overheating. It usually has a dial that travels between “H” and “C,” signaling “hot” and “cold.” Your dial should normally be in the center of the gauge.

Street racing is dangerous, and illegal in most countries. If you wish to race your car, then taking your car to a track day would be the best thing to do. These are usually well supervised.

Always enforce that people who are passengers in your car must wear seatbelts. If they refuse, don’t drive them. You’re better off to create an awkward situation than to be held liable for bodily injury they sustain if you’re in an accident.

Make sure you practice uphill starts when learning to operate a manual car. Because starting a manual from a stop requires letting off the brakes and engaging the clutch (essentially placing the car in neutral), the car will roll backwards until first gear is engaged. To stop this from happening, apply the handbrake, then release it as you release the clutch and the car begins to move forward. Otherwise, you risk rolling into the car behind you. Practice this technique on a sloped driveway or car park where it’s safer to make mistakes.

Avoid the temptation to use your mobile phone, a few seconds distraction can cause a serious accident, so the best way to do it is to turn off your cell phone until you get to your destination. Better yet, park your car in a safe location when there is a need to answer a phone call.

Do not drink and drive. That’s the worst thing you could possibly do. You could kill yourself or someone else. It is also illegal to drive with more than a certain amount of alcohol in your body e.g. in the UK you must not drive with a breath alcohol level of more than 35 micrograms per 100 ml or a blood alcohol level of more than 80 milligrams per 100 ml. This is roughly the equivalent to 2 cans of strong lager. If you are going to drink this much alcohol, arrange another means of transport.

Never shift into low gears at high speeds (i.e. 1st gear at 50 mph/80 km/h). This will greatly damage or destroy your car’s engine and transmission.

Environmental Science Degree Online – Bachelors of Science – University of Phoenix, what can you do with a environmental studies degree.#What #can #you #do #with #a #environmental #studies #degree


Bachelor of Science in Environmental Science

This program is not available based on your location. Please edit your location above or search for an alternative program that is available in your current location.

Campus Locations

If you prefer face to face interaction, there’s a good chance we have a campus location near you.

The Bachelor of Science in Environmental Science offers the interdisciplinary education you need to become a well-rounded professional and start making a difference in the world. With a science background, you can prepare for unique roles in government or the private sector, helping combat today’s environmental challenges.

This curriculum — through courses that cover current environmental events, concerns and controversies — will help you develop a deep understanding of how scientific principles and the environment impact each other. You’ll study topics like biology and chemistry and take courses that reveal the nuances of environmental issues like environmental law and risk assessment. Additionally, you’ll expand your critical thinking, information utilization and analytical skills.

If you’re looking to help governments or businesses tackle environmental issues or prepare to pursue a graduate degree, explore the program offerings and information below to see how this program can help.

Requirements and prerequisites

You’ll need XXX credits to complete this program, which may be earned from a combination of required and elected courses. However, required courses may vary based on previous experience, training or transferable credits. View general requirements.

There are no prerequisites for this course.

Get started here

Introduction to Environmental Sciences

00:17 Are you looking for a career that reflects that passion?

00:20 How much do you know about environmental science and its related careers?

00:24 Let’s explore the field and talk a little about what you can expect from a bachelor’s degree in environmental science from University of Phoenix.

00:31 Environmental science is an exciting area that brings together the natural sciences, environmental law, policy, and ethics to improve the way we interact with our world.

00:39 Throughout your degree program, you’ll learn about environmental protection, restoration, sustainable energy, and pollution control.

00:46 Increasing interest in environmental issues, combined with a growing need for sustainability, have expanded opportunities in this already thriving field.

00:54 Let’s take a look at some of the areas you’ll be learning about.

00:57 Ecology is the study of the interaction between living things and the environment.

01:02 Through research, ecologists provide vital information for the preservation and restoration of species and landscapes.

01:10 This basic information is essential for land managers and policymakers as they make decisions regarding species and ecological communities.

01:18 There is currently a huge need for this research.

01:20 Only 15 percent of species in the United States have been studied accurately enough to judge whether they’re endangered.

01:25 At a time when extinction rates are on the rise, understanding the ecology of species and landscapes is essential to their preservation and restoration. 01:34 A career in ecology might take you to a private consulting firm or government agency.

01:38 You may help monitor plant and animal communities, restore degraded landscapes, or provide data for construction and other projects to ensure they’re environmentally safe.

01:47 Keeping our environment safe isn’t always easy.

01:50 Pollution affects our ecosystem and human health.

01:54 Fortunately, efforts over the last 50 years, including the Clean Air and Clean Water Acts, have reduced the release of pollutants in the atmosphere and waterways.

02:02 Prior to the Clean Water Act, only one-third of waterways in the United States were clean enough to swim in. 02:07 Forty years after the act’s passage, 65 percent of waterways are safe for swimming.

02:12 This is thanks in part to the work of environmental scientists employed both by industry and agencies to ensure compliance with the law.

02:18 Jobs in pollution monitoring and mitigation include stormwater and wastewater management.

02:23 In these careers, you may guarantee compliance by collecting samples in the field for lab analysis.

02:28 Some positions focus on administrative roles, ensure that projects follow procedures and meet expectations.

02:35 You may even be asked to create a remediation plan for polluted sites. 02:39 Our society is dependent on energy.

02:41 Without energy, there can be no electricity, refrigeration, or transport. 02:46 Produce, meats and dairy, could not be shipped.

02:49 Businesses and hospitals could not operate effectively, and computers cannot function.

02:55 Energy is essential for our way of life.

02:58 Over half of our energy comes from nonrenewable fossil fuels, which contribute significantly to air pollution.

03:04 Coal fired power plants provide an incredible 40 percent of our electricity, making it the single biggest source of air pollution in the United States.

03:12 Our overdependence on nonrenewable sources has become more apparent in recent years.

03:17 When combined with the effects of global climate change, renewable clean energies such as hydropower, wind, and solar have become very attractive, but even these energy sources have their drawbacks.

03:27 Environmental scientists play a role in promoting such clean energies from their positions in industry, nonprofit organizations, and agencies.

03:36 Potential careers in energy include consulting about energy management and efficiency, as well as ensuring compliance with environmental regulations.

03:43 An environmental scientist is a critical thinker who analyzes problems, collects and interprets data, and works in teams.

03:51 You’ll learn how to improve these skills through collaborative and analytical projects.

03:55 As you pursue your degree, faculty will encourage you to think critically and holistically about environmental issues.

04:01 You’ll also receive a lab kit for chemistry to provide you with hands on experience in data collection and interpretation.

04:07 A degree in environmental science will allow you to use your passion for the environment in the best ways possible.

04:12 There are many opportunities in this field, and they can all make an impact in the protection of the environment.

Do Women Have a Prostate Gland? #do #women #have #prostates


A Female Prostate?

Q: Is it true that women have a prostate gland? If so, is it the same as the G-spot?

A: While the existence of the G-spot is controversial. there are two small anatomical structures called Skene s (or paraurethral) glands that are sometimes referred to as the female prostate.

Named after Alexander Skene, M.D. a gynecologist who described them in a paper in 1880, the glands are situated at the lower end of the female urethra, near the location of the supposed G-spot. They produce a fluid that helps lubricate the urethral opening and may have antimicrobial properties that protect the urinary tract from infections.

The Skene s glands are thought to have the same structural components as the male prostate, though they are much smaller. Interestingly, they even produce prostate specific antigen, or PSA. (PSA is secreted from other female body tissues, as well, and may be a possible diagnostic marker for breast disease, among other conditions, just as it is for prostate cancer in men.)

Still, there remains much debate over the exact anatomy and function of the Skene s glands in particular, what, if any, role they may play in sexual function. Some, but not all, researchers say that the fluid produced by some women during orgasm ( female ejaculate ) comes from these glands.

Though cancer of the Skene s glands or their ducts is very rare, cysts, inflammation and infections sometimes occur in them and may be misdiagnosed as other urinary or gynecological conditions. If a woman has unexplained or unresolved symptoms (such as frequent and painful urination, lower urinary tract or vaginal pain or sexual dysfunction), it s reasonable for her to talk to her health care provider to see if these glands may be a contributing factor.

  • What do health information managers do #what #do #health #information #managers #do


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    Things to do in Atlanta, GA: Georgia City Guide by 10Best #atlanta #travel #guide, #atlanta #vacation #guide, #atlanta #hotels, #hotels #in #atlanta, #things #to #do #in #atlanta, #atlanta #restaurants, #atlanta #attractions, #atlanta #clubs, #atlanta #nightlife, #atlanta #resorts, #atlanta #museums, #restaurants #in #atlanta, #atlanta #events, #atlanta #night #clubs, #atlanta #shopping, #atlanta #vacations, #what #to #do #in #atlanta, #atlanta #beaches, #atlanta #tickets, #atlanta #bars, #10best, #10 #best


    SEARCH: by place + food, budget, style, hotel, attraction, etc

    Things to do in Atlanta, GA

    Atlanta’s Top Restaurants: Eat the Best Meal of Your Life

    Atlanta’s Best Sushi from well-known delights to well-hidden gems

    10 romantic restaurants in Atlanta that combine a sexy ambiance with impeccable eats

    Christmas shows and events around Atlanta to waken your holiday spirit

    Atlanta soul food restaurants where your granny would be proud to dine

    Atlantic Station Dining is Diverse and Delish

    Think about your interests: theme parks, gardens, art, theater, music, museums, historic battlefields. Atlanta’s got all of those and then some in its diverse attractions. Downtown Atlanta is home to CNN, The World of Coca-Cola, Centennial Olympic Park, the Georgia Aquarium and the National Center for Civil Human Rights. Historic Auburn Avenue marks Martin Luther King Jr.’s legacy, while neighborhoods like Grant Park, Buckhead, Kennesaw and Marietta claim home to various Civil War sites. Six Flags Over Georgia lies west of the city, while the famed High Museum of Art, Piedmont Park, Atlanta Botanical Garden and Fox Theatre are in central Midtown.

    Hot Tips: Check out the attractions’ websites before you go for special admission rates and museum hours.

    Explore Further
    • Best Attractions Activities
    • Alpharetta’s Best Attractions Activities
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    When traveling to Atlanta, you’ll come to know that the best hotels in the Midtown and Buckhead neighborhoods. Here, you’ll find both the opulent, high-end chain and the thoughtful, local boutique hotel. Additional options abound near the Perimeter and in Downtown Atlanta. Downtown hotels are tailored more toward the business traveler seeking conference and meeting capabilities. For those looking for nirvana outside the city (within an hour of Downtown Atlanta) try bucolic destinations like Chateau Elan or The Inn at Serenbe for a foodie-filled reprieve.

    Hot Tips: If you’re in town near the holidays, book your Buckhead or Perimeter hotel in advance. Malls in both areas are popular spots this time of year.

    Hot Tips: Eat at your hotel’s restaurant. BLT Steak, Cook Hall, Livingston and eleven offer awesome eats.

    Explore Further
    • Budget Hotels
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    Atlanta is a pinnacle city for travelers with an appetite. Immense dining options abound in neighborhoods across the city. If your visit is a short one, plan your meals in Decatur (an easterly in-town neighborhood that seemingly opens a new restaurant every week), Buckhead and Midtown. Doraville is home to Buford Highway, the famed row of mom-and-pop ethnic restaurants (everything from sushi and Chinese dumplings to tongue tacos) and is a prime place for foodies to explore.

    Hot Tips: Don’t go to chains. Try the local spots.

    Hot Tips: It’s always a good idea to call and make a reservation. A lot of the hyped or recently opened restaurants book up quickly.

    Explore Further

    If your idea of an idyllic night out in Atlanta involves dancing, you’ll want to hop around Midtown or Buckhead. Both are home to a range of hopping clubs slinging pricey cocktails and thumping beats. Catch live comedians and musicians at spots like Laughing Skull Lounge, Eddie’s Attic, Terminal West and The Earl. For a low-key evening, Atlanta offers a smattering of easy-going brew pubs and bars. If you like a posh night out, raise a glass at one of the city’s high-end hotel bars.

    Hot Tips: Take Uber or a taxi if you’re planning on a wild night out.

    Hot Tips: Visit the club’s website before going out and snag a spot on the VIP list. You’ll save major bucks.

    Explore Further

    For familiar brands and high-end labels, Atlanta’s best shopping can be found in Buckhead. Go to Lenox Square Mall for a diverse sampling of well-known retailers. Phipps Plaza, across the street leans toward pricier offerings (Giorgio Armani, Gucci, Jimmy Choo, Valentino, Versace), while various small boutiques can be found throughout the neighborhood. A little further north, the immense Perimeter Mall delights in its extensive options–and surrounding restaurants. The Westside is a home design-lover’s paradise with scores of antiques and interiors shops. This area also lays claim to big-name men’s shops like Billy Reid and Sid Mashburn.

    Hot Tips: For an incomparable shopping experience, hit the sprawling Scott Antique Markets, held the second Thursday-Sunday of each month.

    Hot Tips: An Atlanta Braves bobblehead. They typically hand them out to the first 20,000 fans at each game, so arrive on time or a little bit early!

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    Ponce City Market: Where community is a verb

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    Unplug and Reconnect with Nature at Inviting Gibbs Gardens

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    Atlanta’s College Football Hall of Fame Raises the Bar

    Shopping in the South for the Holidays? Choose Atlanta

    Atlanta is known for.

    Five of Atlanta’s most unique features and characteristics.

    1. Central Location:

    A city with undeniable Southern roots, modern Atlanta, a major tourist destination in the region is known for its growing number of talented celebrities, its diversity, shopping, thriving nightlife, and sultry weather. It’s called Hotlanta both for the weather and the nightlife.

    Atlanta is the home of Hartsfield-Jackson Atlanta International Airport, the world’s busiest airport in the world. According to the airport itself about 90 million people travel through the airport every day. Atlanta is also centrally located, within a short flight of where more than 80% of the people live in the United States, according to Hartsfield-Jackson, Atlanta International Airport. So, if you travel by air and have a layover, you are likely to make a stop in Atlanta. If you live or visit Atlanta, you can take a flight, train or bus to dozens of domestic and international destinations.

    2. Celebrities:

    Through the years, Atlanta has become a hotbed of talent, particularly for rappers and singers who were either born in the city or now call it home. T.I. and his wife Tiny, Bow Wow, Lil Jon, Usher, Whitney Houston and Bobby Brown, Tyler Perry, and Ciara are just a token of the entertainers who call Atlanta home. Julia Roberts is from Smyrna, an area in metro Atlanta, and Tyler Perry got his start in Atlanta, too. There is also a never ending stream of television shows and movies that feature Atlanta, like the Real Housewives of Atlanta. the Braxton’s Family Values. and Single Ladies.

    3. Diversity:

    Although the old South is described as conservative and maybe even restrictive, Atlanta is known for its diversity and culture. Thousands of people travel to Atlanta for its annual gay pride festivities. You’ll also find a healthy mix of people from various nationalities and religious beliefs. Atlanta, therefore, represents a mix of old South values with modern beliefs from its population, which is a tad bit younger than some other cities.

    4. Nightlife:

    From Atlanta’s nightclubs and music venues to its comedy clubs, the city has everything from high impact partying, to low-key jazz and poetry readings. People visit Atlanta to party in some of the hottest nightclubs in the region. Sometimes celebrities make guest appearances or stop in to hang out in the clubs’ lavish VIP areas. The exclusivity associated with some of the more popular clubs on busy nights, makes the nightlife even more desirable. As the sun sets on Atlanta’s night scene comes alive with entertainment to suit a variety of tastes.

    5. Shopping:

    Visitors can find almost anything that they want to buy in Atlanta. There are dozens of malls and hundreds of shopping centers. Warehouse stores with deals on shoes, clothes, accessories and household appliances are also plentiful. For antiques, modern furniture or household accessories you might shop on Miami Circle to explore its numerous home stores. Shoppers who seek the latest styles from sought-after designers are likely to visit Buckhead. Just about every city in the Atlanta area has shopping areas that locales would call the best.

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    Langley Air Force Base

    To organize, train, equip and maintain combat-ready forces capable of rapid deployment to meet the challenges of peacetime air sovereignty and wartime air defense


    Langley Air Force Base – a century-long history

    Langley Air Force Base is located in the Eastern part of Virginia close to Hampton and Newport-News. This base is one of numerous pillars of American military power and superiority in the air. Furthermore, it was the first American military facility built especially for air power. The air force base in Langley is also the oldest functioning AFB in the world.

    It’s one of the oldest air force bases in the United States founded a century ago on December, 30 1916. This place was one of the most important link of American military network during the Great War. Its goal was to help connect maritime forces with the American army. Since then Langley AFB plays a very important role in American military infrastructure.

    Change your money at Langley Air force base

    Langley Air Force base is a military object with limited opportunities for currency exchange. Therefore tourists from other countries may face issues after coming here. We highly recommend people coming from Europe, Australia and other parts of the world to keep that in mind.

    However it is not all that bad due to Forex Exchange trading ( which is available in Langley Air force base. Forex Exchange is the best solution for any visitor regardless of the home currency. Check any binary options/forex website for the current exchange rates. Usually they are more or less the same to the rates in your home country.

    After arrival to Langley Air Force base it can be difficult to find an exchange office. We recommend you to visit the Langley Base office and simply ask where Forex exchange office is located. They will certainly help you find the way.

    As a military facility Langley Air Force economy has certain limitations. We cannot say that it’s a closed or restricted place, but it’s definitely different from any other city or town and all visitors should consider it. Please follow our recommendation and don’t worry if you need to exchange money – Forex Exchange service will help you!

    History of LangLey AFB

    Langley Air Force Base was named after a prominent American name Samuel Pierpont Langley who managed to succeed in many different things – he was a promising scientist in the field of physics and astronomy. Langley invented bolometer – a device that measures power of electromagnetic radiation. He also contributed a lot into aircraft engineering by developing first planes and testing them. He was a true pioneer in this complicated area and helped his country make a real breakthrough.

    The AFB in Langley became a large training camp where hundreds of American pilots mastered such legendary planes like Airco DH.4 and Curtiss JN-4 Jenny. Military experts often note that AFB in Langley helped a lot in establishment of American military aviation which is considered to be the most powerful nowadays.

    Between two wars AFB in Langley was developing. New buildings appeared, new people arrived. The base turned into one of the most important army aviation unit. In 1930-s huge investments and lots of efforts were put into Langley AFB. Later on it the air force base proved its value during the World War 2.

    In early 1940-s Langley military air base was a place where sophisticated detector equipment was created. American army used this equipment for disclosing and then sinking enemies’ submarines that appeared not far from American coast.

    During the Cold War AFB in Virginia remained a principal element of American military infrastructure. Actually, the name “Langley Air Force Base” was officially given in 1948 – the base used to be called just “Langley”.

    Challenging times required intensive preparation from both opponents. That is why the US government decided to transfer 1st Tactical Fighter Wing to the AFB in Langley in order to guarantee extremely rapid deployment in case of war with the USSR. In the same year – 1976 – 1st TFW got new F-15 Eagle jets.

    After the clash of the Soviet Union things didn’t change much as air military base in Langley was still considered to be a crucial training camp and a major airfield in the US. Later on it was twice severely damaged by hurricanes in 2003 and 2009. In total American government spent more than $200 million to restore it.


    Nowadays Langley AFB is joined with Fort Eustis into one military facility called Joint Base Langley-Eustis. Without a doubt this facility today has enormous importance in the military potential of the United States.

    It’s quite an unusual facility though – it doesn’t have any common perimeter with its two components (air force base in Langley and Fort Eustis near Newport News) separated by 17 miles.

    While the air force base is a full-fledged military facility Fort Eustis is mainly used for training and maintenance. Its diverse landscape and location near James River makes it an ideal military multipurpose training area.

    Copyright 2006 Langley Air Force Base, Langley VA

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    Student Resources


    The American Indian College Fund was established in 1989 to provide scholarships to American Indian/Alaska Native students attending tribal colleges, and to fund and create awareness about the community-based accredited tribal colleges and universities that offer students access to knowledge and skills alongside Native culture, language, and values.

    The American Indian College Fund also provides scholarships to undergraduate and graduate students attending any other accredited public and non-profit private college all across the United States.

    Scholarship Applicant Confidentiality Policy

    The American Indian College Fund (the College Fund) highly values the concepts of privacy and confidentiality. It is also very important to us that students assume individual responsibility for their scholarship application, that they learn to solve their own problems, and that they trust College Fund staff members to protect their privacy.

    On reaching the age of majority (18), individuals legally assume control over their persons, actions, and decisions. Before age 18 these were the responsibility of the individual’s parent or guardian.

    Thus, it is the policy of the College Fund that only the applicant, College Fund staff members (including application reviewers), and faculty/staff at the applicant’s college have access to application and award information. Applicants do, however, give permission for the College Fund to share limited demographic information with scholarship donors, their school, and the media as a part of the application process.

    Information about an application and/or scholarship award will be released to third parties (including parents, spouses and other relatives) only with the express written consent of the student. Simply put, this means that information about applications and awards will only be discussed with the applicant, unless we have written authorization to do otherwise. We hope that students will share their information with others as needed. It is, however, a choice that students can and do exercise. While we look forward to a cooperative and productive relationship with the relatives of our applicants, we hope you will understand that we have a duty to respect privacy and that our primary relationship is with the student.