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Maintaining a home can be a costly venture and most home owners don’t have loose cash sitting in a checking account to utilize for repairs and home improvements. So most American home owners tend to borrow to complete this venture.But please be aware, there are things that your loan officer won’t tell you about that home repair loan that you are getting. So before you get a new mortgage loan to pay for major home fix-ups, ensure that you follow a specific guide to get money:First make sure that you pay as little interest on this loan as possible, so make sure you shop around, YOU DON’T NEED TO REFINANCE YOUR MORTGAGE. You should also try to get a tax-deduction for what you do pay for this mortgage loan and don’t end up sacrificing your financial health and well being. Not doing this is the first step of placing yourself in the poor house.Secondly ensure that you take into account all the variables when applying for that loan:Where can you get the best financing?How will the monthly payments affect your budget?How much equity do you have in your home?What is the nature of your home improvement projectHow long it will take you to repay the debt?These are key questions that should point you in the right direction. You must find the best loan option. But even then you must make sure that this does not cause your budget to collapse. If it does then you will be in serious problems with respect to the monthly payment. Having less than twenty percent (20%) of market value in equity in your home is a clear signal to wait. This means that in one felt swoop you can move from happy owner to foreclosed properties if the financial institution that you borrowed from goes belly up.With respect to the nature of the project and the term life of the loan here are just a few questions you MUST ask yourself before taking on that loan.1. How much does the home repair project cost? To calculate this you use the contractors bid amount and subsequently add 10% to 20% for potential cost overruns.2. Will you be able to afford this? If you cannot easily afford the monthly payments on the loan, you are ‘courting trouble’ by even thinking about a home equity loan or credit line. As mentioned earlier but if you have less than 20% equity value in your home you will be forced to pay higher interest rates and you won’t have any backup for emergencies.3. Examine your other financial obligations? Your financial bases should be covered i.e you should be saving enough cash for retirement, to clear all existing credit card debt and at least ninety days living expenses saved in an emergency fund.4. Finally will the project add value to your home? Some home repairs just don’t add enough value, especially maintenance repairs. Many American home improvements add some monetary value, and normally you will not recover 50% to 75% of what you spend in added value. So the less value you’re adding to your property the longer you should consider waiting until you can pay cash, instead of taking a home repair loan.

Interested in finance and insurance (F&I)? Love cars? Looking for a way to merge the two into a long-lasting and fulfilling career in the automotive industry? It’s time to consider a career in auto sales and F&I management. Now is a great time to invest in F&I training, which can provide everything you need to succeed in this career. That means you will acquire excellent leadership and communication skills and have the expertise required to handle the financial and legal aspects of a sales transaction.Automotive Business Manager programs are designed to teach the skills required to oversee the financial and legal aspects of the automotive industry. Students in these automotive training programs are trained in finance and lease options, sale of after-market products and the use of specialized software.Becoming an F&I manager means you will be in the center of the action. It also means you will have a direct impact on profitability and be rewarded accordingly. Need another reason to invest in F&I manager? Job Futures 2000 predicts that more than one-third of all jobs created in Canada will require a skilled trade designation or a college diploma.What about the extensive restructuring of the automotive industry? There has been a lot of change, but the automotive industry remains one of the world’s largest and most important business sectors. Moreover, a surge in demand is expected as consumers make purchases that would normally have been made in the last two years and additional demand is created by increases in population, new consumer offerings and improved manufacturing technology. Employment prospects for automotive sales and F&I management are good for the following reasons:
A growing shortage of well trained individuals to fill sales occupations
Service Canada predicts there will be strong demand for qualified candidates in Sales and Service, Business, Finance and Administration “because this sector will account for more than 45% of all retirements over the next five years.”
Significant worldwide growth within the automotive industryYou know what happens when demand for a specific job goes up. Salaries also go up. That’s exactly what is happening for F&I Professionals. Key elements of F&I training programs can include the following areas of study:

Business Manager’s Role in the Dealership
Financial Institutions and Their Requirements
Getting the Contracts Purchased
Credit Reporting Overview
Understanding Credit Scores and Risks
Reading Credit Reports
Prequalification Using Credit Reports
Cash Conversions
Bank Conversions
Use a Customer-Friendly, Aggressive F&I Process
Qualify Your Customer, Use The Right Words
Product Knowledge
Effective Selling Techniques
Menu Selling Leasing Skills and Techniques

Paw print tattoos are loved by many and whereas some just have them inked for beauty some have them for a reason. They have deeper meanings to some with the most common being a sign of moving forward, hence the paws are designed to represent a moving animal. Such tattoos have a series of paws progressively getting smaller and smaller and the walk continues. The other meaning could be the love for a pet and the pet could be alive or dead. They are also done in memory of children with each paw representing one child. The meaning depends on what the person wearing the tattoo wants to represent.

Apart from the above, paw print tattoos can go to show personal strengths and virtues, depending on the characteristics of the animal whose paws have been selected. There are so many pawed animals apart from your cat and dog and by knowing what each animal paw symbolizes, you can choose the print that best describes you.

Dog paw – This tattoo translates to adorable, very protective and friendly. If you love nature, then this can be a good paw print tattoo for you.

Cat paw – It is really loved maybe because cats are considered prettier and cuddly than dogs. It stands for being watchful, clever and sharp. If you feel this is who you really are, then you can have the paw print as your ideal tattoo.

Lion paw – It means power and strength and is a more suitable paw print for men who feel macho. You will love this print to match your strong character as a man who sticks to his principles.

Tiger paw – If you are energetic, powerful and unpredictable as a tiger go ahead and have this tattoo inked on you to express who you really are.

Leopard paw – The paw print is first of all very beautiful when done by a good artist. It means being fierce and brave like a soldier. It is a good choice for individuals who have no fear of anything and are always up for any challenge that comes their way.

Wolf paw – You possess fierce strength, you are loyal and expressive both physically and vocally. This is the message you pass across when you have a wolf paw print tattoo.

Boar paw – It is suitable for people who are sincere, sociable and determined. It is not a very popular paw print tattoo, but you can stand out from the crowd in it.

Other tattoos that you can choose from include fox, otter, badger, bear, deer, rat, rabbit, bird and cheetah. They all carry some sort of meaning to them as far as character goes and you should make sure that you look at the meaning of the paw print tattoo you are choosing just to be sure it interprets your personality right if you are getting the print tattoo to express the kind of person you are. When getting the tattoo, you can have other elements included or just choose a style that is interesting.

Paw print tattoos make lovely options, especially when they are inked on areas such as the neck or on feet to show movement. Ask your artists about the meanings if you are not very sure.