where can i find my hud 1 settlement statement
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where can i find my hud 1 settlement statement

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Good afternoon ed just wanted to spend a few minutes with your clients and you and give a little overview of what this thing is called the hud-1 settlement statement this document essentially controls the closing thanks month this document here is a form document approved by the federal government that is used in every single closing what it outlines is who's involved in where money's coming from and where money's going to if you have a real estate closing the money needs to show here somehow somewhere shouldn't be off this settlement statement we have in this case Bob the buyers buying a piece of property from Sally the seller and our lender is moolah money store now we're going to focus on the left-hand side ed because that's the buyer or borrowers summary of transaction and that's the purpose of today's video and what we see here is is that we have a contract sales price in the amounts shown in line 101 we have settlement charges shown in line 103 than the amount shown right here ed this is a gross number this is the total amount of the settlement charges which are broken down on page 2 of the settlement statement and we'll go through that detail in just a moment we have in this sections 106 107 and 108 proration x' for taxes and HOA dues now if n if a number appears in this top section under these proration x' it means that that bill has been paid already and so this is a debit on the buyers side all of these numbers here at in section 108 up to what we see in line 120 that's the big pot of money that my office needs to account for from the buyers side of the equation now that's not the end of the story subtracted from that big pot of money are the following items we show the earnest money we show the loan amount we show some lender credit we show here the agreed upon seller contribution of closing costs this number here are about mountain line 208 its variant Orton that before you sign your contract you've talked to your real-estate agent and your lender about a good and fair number in that line because that's negotiable that is a negotiable item and it's also controls by what long program you have welcome hey let me ask you real quick about the proration so that 830 few hours that means he still owes that know what that means that is that we are looking from this date forward because this bill is being paid at closing so we're taking it from the buyer at closing that amount there to pay the bill too well or the bills already been paid okay well it's either been paid or we're paying it at closing okay that it's gonna make a lot more sense as we get into lines 210 211 and 212 these

FAQ

How do I get my IQ tested?
There are many ways for someone to have their Intelligence Quotient or IQ tested in today’s society. With the ever expanding realm of the Internet at our fingertips, measuring one’s level of intelligence has never been easier or more difficult for that matter.Why are IQ tests important?Intelligence Quotient tests are invaluable in helping individuals ascertain their respective levels of mental acuity. Once a person takes their first IQ test, they have essentially established a baseline for themselves to measure against in the future. “Why would someone want to have a baseline?”, you might ask. Consider the fact that when an elderly individual has Alzheimer’s disease, they display a decrease in mental acuity. If someone were to determine an initial or starting point for measuring their cognitive aptitude early on, then they may be able to notice the onset of early Alzheimer’s symptoms before they become to difficult to manage, simply by retaking the same test every year or every few years. IQ tests can also help an individual narrow down career paths based on their level of basic understanding and comprehension.What do IQ test scores say about a person?An IQ score in the range of 90 to 110 is considered average.A person with a score of over 120 is consider to have superior intelligence.Between 65% to 70% of the population has an IQ in the range of 85 to 115.The average IQ score is between 70 and 130.About 95% of the population is considered to have an average IQ.A score below 70 may indicate problems in understanding the IQ questions or a more serious learning disability.An individual with a score above 130 is considered to be intellectually gifted and may even allow a person membership into the Mensa Society.Only 1% of the population has an IQ greater than 136.Who has the world’s highest IQ?The highest IQ score ever recorded was 228 and is displayed in the Guinness Book of Records. The score belongs to the ‘smartest' person in the world Marilyn vos Savant who scored it when she was only 10 years old. This would, according to recent research, correspond to an IQ of about 185 as an adult. The famous chess player and champion Bobby Fischer had an incredible IQ of 187.Where can you take an IQ test?Official Mensa IQ TestOfficial Speedy IQ TestMensa Workout QuizMensa Luxembourg IQ Test
How can I figure out what I really want to do with my life after college?
I understand you buddy. I understand you completely. I am in the exact same position as you. So let me tell you what i feel about the question and the answers written here.And if you like it give me an upvote ,)After reading this question i thought i am a patient of split personality and i only wrote this question in another of my avatar. So my brother from another mother i feel totally connected to you after reading this question. And about all the answers written here, i think everyone is correct here in their own way but they probably have a different kind of personality and that is why they have written answers without understanding your emotions and therefore, none of the answers made sense to me personally (Well one of them partially did and that's why i upvoted it)I feel we are alike and therefore i will talk about myself here and you might feel connected too. From childhood, i have always lived in my fantasy land that i will/can do this i will/can do that but never actually did anything. When i hear about others all i think is i could have done that thing. And i again go into my fantasy world that i should have done something in my past which would have made a difference. I go into my serious mode. Do something good for 2 days and then come back to the same routine of doing anything. I know i have the potential but still i don't do anything. I get motivated every time i read a book, watch a movie or hear people's story. But result is still nothing. I used to think that there will come a turning point in my life and everything will change suddenly, i will have a successful startup of my own, will go for world tours, will become fit (btw i am fat). But no, nothing of that sort happened in the past 26 years and won't happen in the next 26. I realized that people who are at successful position did not reached there overnight, they worked really hard for it. Because, nothing comes to anyone easily. So, i started working on things. It is as simple as that. Just start working on whatever you want to do, your job, startup, getting fit, anything. NO MATTER HOW SLOWLY OR HOW LATE IT IS JUST START DOING THINGS. As there is no other way to it. Absolutely no other way. You know you have it in you. But do you think you will reach at your success point without doing anything. No you won't. So just start doing. And don't do it for anybody else, JUST DO IT FOR THAT MAN IN THE MIRROR BECAUSE THAT MAN DESERVES IT. ALL THE BEST.Sorry for the long answer.
How can I find my passion?
My biggest passion failed. Had I pursued my first passion, my life would be very different, potentially much worse than where I actually ended up. My second passion drove me to become a millionaire and retiree at age 28.Now, as a entrepreneur, my second passion has entirely replaced my first passion in life. I’m grateful I can share and utilize my skills to inspire others to access the same opportunities I had to reach financial freedom at a young age. I can say with 99% definitiveness that my second passion is actually my real calling, my purpose, and my primary identity, as it turned out.Here are a few lessons I learned about Passion along the way:#1. Your passions, while deeply meaningful, may not make sense practically.My first passion in life was (and still is) singing. I had been winning awards and contests since I was 14. I truly thought I had the core talent, early in life to make a living out of singing. My strategy was to utilize my fluent English skills and ride the increasingly popular Americanization wave just developing at that point in the Chinese Mandarin market.However, my mom (as you can imagine most Chinese immigrant parents) was staunchly against encouraging my dreams. At a young age, I was constantly belittled and chastised by my mother in her efforts to dissuade me from pursuing Chinese pop-stardom as a career. She would taunt me about how everyone was better than me and I’d never amount to anything as a singer.Since I wasn’t born from wealth, my mom saw the odds from afar, much clearer than I could. I was enraptured in my dreams and could see nothing other than the glory of my inevitable success. She knew for someone like me who was not professionally trained and possessed average looks could only go so far in the media industry, which is a grueling and less glamorous industry than it seems.My mom couldn’t financially afford to support my passion nor give me an advantage over others. Therefore, she tried her best to shield me from my passion in an effort to protect me against this threat to my future.#2. Sometimes, passions can hurt you more than help you.My dream and passion of singing died a slow and painful death. I refused to take my mom’s advice and staunchly decided to pursue my talents. For people who have multiple talents, whether that’s athletic, within the arts, or in any other specialism, we often have the confidence to dream bigger with our skillset.There’s a catch: just because you could be very good at something, even at the mastery level, there is a huge difference between the top 10% and the top 1% that actually can make it in an industry. Life doesn’t give you too many chances and every step you take will have lasting consequences.For instance, if you bet your life on your sports career and you get hurt, that setback could hurt, if not end, your career. Therefore, the talent who does survive in those fields, tend to be paid above and beyond for their skill and sustainability, a reflection of the economic reality of a scarcity in the market of people who can perform at that level through the long-term.My mom saw my talent for what it was, a dangerous illusion that could rob me of my actual future that would instead need to be dependent on a long-term skill to survive. As we all know, in the entertainment industry, the life-span of most artists are relatively limited, so statistically, my odds of success were so low that my mom was terrified I’d actually sabotage my future pegged on my pipe dream.#3. Self-awareness on how much you’re willing to sacrifice will help you clarify your purpose.After college graduation, real life called. My parents made some business decisions that left me in charge of my family’s Chinese restaurant. That year, I progressed within a contest that asked me to go to China to compete on a national televised singing contest! However, by that point, I had a familial duty to help my parents survive. Our little restaurant paid the bills. If I left, there would be no one to pay our bills.How I hated my parents and extended family then! While everyone in my family was off pursuing their own interests, I was stuck doing my duty as a responsible and filial daughter, running a dinky restaurant that didn’t even pay me a real salary. I truly loathed my entire life, family, and the world for this gross injustice of watching my dreams die.However, I had to move on. I couldn’t live in hate or bitterness because it made me an angry and miserable person to be around. What I realized when I started reflecting on my life that year, was that it wasn’t my parents that I hated. It was myself and my own lack of confidence!Self-awareness proved to me that I didn’t have the guts to ditch my familial duties to pursue my dreams. That fault lies on me alone. If it were Madonna or Prince, they would have already left their parents. They probably wouldn’t have gone to college in the first place! They would have had the level of confidence required to run away from home for their dreams, throw their future away without any regrets. I didn’t have that same level of passion for my passion.#4. Move on to other passions.At age 22, I was too young to be struck down by life. I had too much optimism to let this early but great disappointment ruin my life. Even though I dreamed of Chinese popstar-dom as a singular objective, I had to find a way to move on as life after college progressed. After a period of bitterness and mourning, I started reading self-help books as a way to get on with my life.Once I fully accepted my own responsibility for my life, I analyzed my other passions. One of the reasons why I was so interested in singing, was for the most part, a desire for the reward that could be achieved once fame was acquired: wealth.That ultimately was the driver behind all my passions, the desire to live an extraordinary life, to possess the power that comes with financial success. Therefore, I shifted my focus into the passion to earn money, choosing to take a risk to become a headhunter, a career driven by commission, revenue generation, and sales mastery.I shifted my focus from singing to immersing myself into my sales career as a recruiter at 22. This decision changed my whole life.#5. Invest in a passion that you can create a true life off of with relatively low risk in accordance to your strengths.Since I didn’t want to work a boring 9–5 or work for 40 years before retiring, I wanted to fully maximize my sales job to take me out of poverty. I had no family money, still possessed student and car debt, and had no real skills outside of singing.The jobs I held were mostly blue collar like waitressing, bartending, landscaping, painting, helping out on simple white collar analyst jobs where I did administrative work. Through all those jobs, I slowly accumulated an advantage in one thing: communicating effectively with others.Since I had to manage difficult customers, handle a lot of stress relating to working grueling hours, and sometimes gross physical labor (cleaning out nasty oil traps, dealing with pests, etc.), I became very confident as a speaker and communicator and could tolerate tough working conditions. I knew how to sell an idea, persuade others, and interact with all types of people.I leveraged my communication skills into my recruitment job with the same dreams I possessed towards my first passion. I wanted to be world-class and famous as a recruiter. Since I worked at a global company, I reached immediate fame year one as a top rookie and my career continued to skyrocket.I went from being a broke and confused college graduate at 22 to earning over $215k yearly as a 25 year old top-biller. I became a real estate investor as a side hustle and parlayed all of my recruitment income into real estate and securities investments, eventually retiring at 28 from needing a job.#5. Continue refining your passions as your life, skillset, financial risk tolerance, and personal situation changes.If you asked me at 15 what my future would have been, I would have said something uneducated and irresponsible. In hindsight, I was much too naive and overconfident in my skills which, while good, were certainly limited. My work ethic and passion for my craft, while good, were not enough to truly be enough. Had I embarked on my journey to become a singer in China, I’m not sure where I’d be today.I’m not here to naysay against others’ dreams, but if you’re like me when it comes to singing, and feel that others got in the way of your own success, then you probably wouldn’t have become successful at it anyways! Even if you had others’ backing, the odds of success would have been the same. It’s not others’ that can change your reality, it’s ourselves who are driven by our own interests and persevere in our own endeavors.For many people who reach the top of their field, they did it DESPITE others’ naysaying. If you blame others for your lack of success, you will not only continue to fail, but also regress in your self-development.If I had truly possessed the same amount confidence to succeed I had going into recruitment, then I probably would have been able to realize my dream of becoming a singer. However, I didn’t and I still don’t. What changed was that, despite my mother’s protests on my career choice in sales, I knew I could succeed as a headhunter. For once, I found something I could not only be good at, but succeed at long-term.There are truly so many people out there better than me at singing. But in headhunting, I am in much more control and I’m now one of the top recruiters in my industry with a very distinct and sustainable competitive advantage. Best of all, since I focused on leveraging my passions in my career, I love what I do.Everyone’s passions will inevitably shift with the passage of time, aging, and also changes in family and financial demands. For instance, if I were to all of a sudden get married and have kids, my priorities and passions would change in an instant due to the demands of family life. There is no shame in pivoting and changing strategies.In ConclusionNo matter what your passions and hobbies are, you’re in control of your life trajectory. You can increase your confidence and self-belief in the direction of passions that will actually create a sustainable life for yourself, and pay you back for your investment with a strong degree of certainty.The worst is to spend your whole life going after things that have a small chance of success and end up regretting the time you wasted and the economic opportunities you missed as a result of those poor choices. That’s why self-awareness of your capability, strengths, weaknesses, and competitive attributes can help pave the way through self-introspection on what path you should take and commit to.Ultimately, when you do determine your direction leveraging your talent and passion, you have to be responsible for that decision and see it through.As they say: the only way through is through. Once you make a commitment, you can’t keep shifting every other day. Focus, hard work, and perseverance are all required to achieve self-actualization.
Where can I find people willing to help review my personal statement for a master's program?
MS applicants should definitely check out MasterMyApplicationThey do not just review and edit your SOP, but also provide you with mentors from the top 5 universities in the world. They show you the profile of the person who edits your SOP, who is most often a graduate of Stanford, CMU, Georgia Tech or any other esteemed university.If you are particularly looking for MS in Computer Science SOP, then you should visit their dedicated page MS in Computer Science SOP and Essays Review - MasterMyApplicationFurther, they provide a complete breakdown of various MS in US universities, in terms of Salary packages, Fees, Acceptance Rates, and GRE average. You can find these reports hereMy friends who applied to MS in US had a wonderful experience with them.
How can I find NGOs employees to fill out my questionnaire?
You can get employees at shelters, places of worship, education centers, centers for non-discrimination, job banks,food banks, resource centers, legal aid offices, and many more. I don’t know where you live so I can’t be specific.
Where can I find some business people to fill out this questionnaire for my SPSS project? Questionnaire [Smartphone]
Nope buddy! Quora is not the correct place to get the Survey answers.You want participants for your Survey Questions. I would suggest go to an online website like (www.thinksurvey.co) ThinkSurvey . Participants from across India visit the website and can fill surveys which you ask.Give it a try. And let me know if it works out for you.
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