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New forms and new rules from the Consumer Financial Protection Bureau go into effect beginning August 1st 2015 know before you close the new loan estimate form replaces the early Tila disclosure and a good faith estimate it lists all the potential costs for the consumers loan like title insurance percentage rates closing costs and the estimated monthly loan payment creditors are responsible for calculating the best estimates possible for these services which will be checked against the actual costs listed in the closing disclosure form when the loan is consummated and unlike the former Good Faith Estimate creditors can no longer revise and read as close if charges go up or down prior to closing after all resetting the estimate every time a circumstance changes weakens the purpose of the estimate once a consumers application is received the creditor has three days to deliver the loan estimate and should include a list of providers for services the consumer can shop around for forms dates rules and laws it can seem like a lot to take in the good news is that we've done our homework and we're here to guide you through to learn more about how the CFPB changes impact you contact a local representative

FAQ

How many people became atheist to fill the void created by the lack of simple faith in something?
I don't think that anyone becomes an atheist. They merely remove a past belief from their life if they were once religious or they have never been religious to begin with and chose to remain so. It is akin to ceasing to believe in Santa. It doesn't brand us as becoming Santaless for the rest of our lives. We stop believing in Santa because we realise there is no proof of his existence, as much as we may want there to be. I certainly do.It seems that what many religious people fail to understand is that both theists and atheists have a vast array of things and people to have faith in, without mention of the faith in a God. We have faith in our friends and families, in our jobs, mode of transport and in ourselves, to name but a few of many.I think faith is a wonderful thing, including religious faith for those who believe it and find peace or support through it. No decent non-believer would ever ridicule that. But I personally don't feel there is a void to fill as an ex-Catholic. I felt greatly unburdened when I stopped believing unquestioningly and did my own thinking and research. It did not change my morals. If anything it made me take more responsibility for myself and my interaction with the world around me. I, as an atheist, just get on with my life and try to do my best for my family and for others. I don't wear a badge that says "I'm an atheist" and I don't mention it unless questioned. It's a non-issue to me for the most part.Thank you for asking an interesting question that made me think. I appreciate that.
Good faith estimate, am I bound by it? Should I trust the lender?
By nature of the word "estimate" it's just an estimate of your closing costs. However, it could very well be that the lender is covering your origination fee for you and that fee would still be listed on the GFE. I always tell my buyers to get quotes from 2-3 lenders and compare apples to apples (laying the good faith estimates side by side) before deciding on which route to go. I would recommend checking with a local bank for a quote in addition to whoever your Realtor has recommended if for no other reason than to make yourself feel 100% confident in your selection.
What personality tests are good, free, and on the internet to fill out?
Many free personality assessments are fun, but not really useful.  It depends on what you are looking for. If the 'test' provides you with results but no way to use the information (no interpretation of your results, no debrief, no access to a trained consultant) then you have data with potentially no understanding, no context or no way to apply the results. Unless you can find the content and consultant on your own you have to consider what you will do with the results.  Finding a 'test' that is based on well known personality constructs and not one that makes up it's own personality factors is generally a better idea. Look for tests that offer you information on how they were created and what they were validated with (if the results are repeatable and how well they measure what they say they are measuring).I use an on-line assessment tool for Jungian Personality type assessment called Typefocus.com  - there is a free version and the option for a more detailed paid result. I have used this assessment for 8 years and find it's validity as good as any out there for measuring Jungian personality type (it uses the same jungian functions as the MBTI, against which it has been validated). The reason I use this assessment is that there is also a lot of data related to personality type available in general and many trained interpreters you can tap into once you obtain your results. I have assessed many, many on-line personality assessments over the years and there are a lot that you can have fun with and others you will find more useful.
A vessel is filled with liquid, which is 5 parts water and 7 parts syrup. How much of the liquid should be drawn out and replaced by water to make it half water and half syrup?
A2A.The ratio is 5:7.Assume that the vessel contains 120 liters.Water=50 litersSyrup=70 litersSince all the liquid taken out of the vessel is replaced by water, the total volume remains constant.Therefore, we need to ensure there's 60 litres of water and Syrup individually.Therefore, we need to take out 10 litres of syrup and replace it with water.For every 12 litres taken out of the vessel, we replace 7 litres of syrup with water.Therefore, we need to replace (12*10)/7 of the solution with water. (17.142%)Hope this helps.
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