Universal Careers offers job placement assistance

Universal Careers Review

Getting the right education is important, but so is landing the right job.

Universal Careers, a recognized leader in EMT/paramedic training, is pleased to offer its graduates help in finding employment.

While many schools boast placement offices, many times this amounts to a class on resume writing and an office where students can find information on places to call. With a commitment to graduates that matches their commitment to training, Universal Careers is going even further.

The school,which trains EMT/paramedics at its partner facility in Fredericksburg, Va., helps students certify for work in all 50 states. Universal Careers also gives students assistance in resume writing and offers a placement office.

But this placement office employs several dedicated placement professionals whose job it is to work with graduates to find them the right job in places they want to work. The professionals work on behalf of graduates, contacting established clients who have worked with Universal Careers and networking with UC graduates employed as EMT/paramedic professionals around the country.

The extensive database used by Universal Careers means that graduates can call on people and companies that already know the solid reputation Universal Careers gives.

“It was actually pretty easy working with placement,” said Silvia Morales, a recent UC graduate. “I figured that it would take a while to find something, but with all of the people UC has placed, I was able to land a job where I wanted pretty quickly. Thanks to the network, I plan on paying it forward to other UC grads.”

Since its inception in 2005, Universal Careers has become a leader in training EMT/paramedics for the growing Emergency Medical Services field. Their intensive program has produced thousands of qualified professionals ready to meet the needs of the health care industry in both the private and public sector.

For more information about Universal Careers programs, call an admissions representative at (213) 290-4682 or visit the web site at www.universalcareers.org.

Universal Careers is a national leader in EMT and paramedic training and preparation. With customer service offices in Los Angeles, Calif., and a training partner in Fredericksburg, Va., UC is a state-of-the-art provider of training for individuals interested in joining the health care field. Upon successful completion of the Universal Careers EMT Basic course, students will receive additional help in obtaining their EMT Certification which makes them eligible to work with paramedics in nearly every state in the U.S.

Adjustable rate mortgage: Benefits and features

Description: Know the benefits and features of an adjustable rate mortgage before going for one.

An adjustable rate mortgage, frequently known as ARM comes with an interest rate that is not constant. The interest rate for an adjustable rate loan differs based on one or different indices. This might be the 1-year treasury bill index or any other particular index. You might have seen that various lenders tie the adjustable loan rate to various indices. Some of the familiar indices are the following:

The countrywide average mortgage rate of the Federal Housing Finance Board that works as an average rate for mortgage loans closed
Treasury notes and bills
Jumbo certificate of deposit average interest rate. It might also be based on the expenses of funds for the particular lender.

Most of these indices that the adjustable rate mortgage rates are usually based on are printed on the newspaper. Prior to selecting an ARM, see where you can get the printed adjustments. Try to find out any sources for predictions where the fundamental index on which the ARM rate is based is advertised.

It is needless to mention that the interest rates can rise or fall. Hence, this type of home loan can be a feasible option for individuals who are not so susceptible to variable interest costs. Shopping around for an ARM might be slightly harder than shopping around for an FRM (fixed rate mortgage).

What are the benefits of an adjustable rate mortgage?

With a reduced rate, your monthly loan payment would be less. Therefore, you might be eligible for a bigger loan or you might be eligible for a loan conveniently. Your monthly loan payment and gross monthly income are considered by lenders to work out how much loan you’re qualified to borrow.

Provided that you intend to live in your home for a small time frame (one or two years), an ARM might be a better option for you. The principal advantages of low interest rates for an introductory period can be achieved throughout this period.

If existing market rates are too high, this could be the only option left for you. However, if you want to avoid risk, then it’s not the right option for you.

The small prints of an ARM

It’s essential that you go through the information of the loan cautiously. Given below are some fundamental terms clarified. To be precise, besides fundamental rate and index details, you should take the following into account while searching for an adjustable rate loan:

Initial rates or teaser rates
Payment caps and rate caps    
Adjustment intervals
Margins

1) Teaser rate or initial rate

The teaser rate you are asked to pay on the loan is typically less than the existing market rate. This might be an outstanding means of buying a home for which you might not get a fixed rate loan. The initial payments would be less. As stated above, when lenders determine how much mortgage you can qualify for, they base the decision on the loan payments you can afford to make every month. Hence, a small initial rate on an adjustable rate loan might help you become eligible for this loan but not for an FRM

2) Payment caps and rate caps

Make sure to get all the details about rate caps and payment caps. A rate cap is the maximum percentage rise that can take place at every adjustment interval. A payment cap is the maximum amount that your monthly payment can rise to at the end of every adjustment interval.  

3) Margin

When the initial rate term ends, your rate would be based on the particular indices for your loan. These indices are not the precise percentage rate you would be paying; instead, the foundation on which they are worked out. Most of the time, some type of a margin should be summed up with them to supply the exact interest rate. The margin might differ. The index along with the margin would provide the precise adjustable rate that is payable following the initial term.

4) Adjustment interval

You should make sure to ask and know the adjustment interval for your loan. If the adjustment interval is one year, then the rate would stay the same for one year and subsequently vary according to the margin and index. The rate would keep on adjusting for the whole loan term.              

How credit card debt management strategies help you get rid of debt

Description: Know how following credit card debt management strategies can make you debt free sooner.

When your credit card debts are spiraling out of control and you’re facing problems to keep up with your minimum monthly payments, then you should think about a credit card debt management plan. However, you must understand that to successfully get rid of credit card debt, you should be disciplined and try to control your spending.

If your bills are rising and your loan obligations are going out of control, you’re not the only one who is going through this. Debt is increasing at an alarming rate and more and more people are seeing their balances go higher and higher. Nevertheless, there is hope for you. You can lower your credit card debt burden and start saving money by following some basic strategies.

Credit card debt can rise too fast. The key to achieving debt relief is to terminate this spiral and start paying off your balances. Given below are some easy credit card debt management strategies:

Request the credit card company to reduce your interest rates

If the interest rates on your cards are too high, talk to the company and ask them to reduce it. Chances are you can get a lower rate from another company and your company understands this. So take a chance. Inform them you can get or have got a lower rate and ask them to equate that rate. If they refuse, all you lose is a telephone call. However, if your request is justified, then there is a probability they would listen to you and lower your rate.

Don’t allow your rates to rise due to delinquencies

Recently, late fees have been escalating quite fast and grace periods are getting smaller and smaller. You must ensure that you make your monthly minimum payments by the due date. If you’re unable to make that payment, then talk to your credit card company at once. If you make a payment just one day after the due date, the company would possibly hike your interest rate and ask for late fees. With time, this can run up to a significant amount. If you miss a payment, then talk to the company as soon as you can. A number of companies would be willing to waive the fee if your request is genuine and you can show that you were sick or lost your job. Irrespective of what you do, persuade them to eliminate the late fee. This would save you from a rise in your interest rate and also help you save some money.

Get a balance transfer card

If the credit card provider declines to lower the rate, search for a low interest card and shift your balances. There are many companies that offer balance transfer cards. This would also protect your credit score. Transfer all your balances to one card, pay it off conveniently and save some money. This is one of the best techniques to get rid of credit card debt quickly.

How to eliminate credit card debt fast with a debt-killing factor?

Description: You can get rid of your credit card debts soon by using a debt killing factor.

Credit card debt is ruining the lives of millions of Americans. Credit card sharks keep on overwhelming them with skyrocketing interest rates of up to 24%. Credit card debt makes the banks richer and at the same time, makes borrowers more hapless. The most significant problem that the consumers face besides those outlandish interest rates is making the minimum monthly payments for their cards. As a result, they desperately look for ways to eliminate credit card debt.

Take an example. You have a credit card with an outstanding balance of $5,000 and the credit card provider is asking for an interest rate of 19%, which is not at all unusual in the present day economic conditions. You are needed to make a monthly minimum payment of 2% of your balance. If you just keep on making this payment, it would require almost 37 years to become debt free. You need to pay the company the $5,000 that you owed along with a huge $14,767 in extra interest payments. If this situation seems to strike a chord and you have too much credit card debt, you can get rid of it faster than you think.

Stop using your cards

The first step is the most difficult one. You need to stop using your credit cards altogether. If you have 2 credit cards, destroy the one with the biggest balance and retain the other just for contingencies. Subsequently, you should make more than the minimum payments on one of the credit cards each month till the time it’s paid off. Given below are some tips to do it

Create a debt-killing factor (DKF)        

To eliminate credit card debt fast, you should initially produce a debt-killing factor. Start by reviewing your monthly income and debts including your expenses on utilities, foodstuff, gasoline and entertainment.  How much is left with you that you can manage to spend on your cards? You should fix a practical goal for a figure to sum up with the minimum monthly payment.

If you can generate more money to sum up with your debt-killing factor by making some adjustments or lowering your entertainment expenses, this would help you pay down your bills sooner. Most consumers, if they have a disciplined approach towards their spending, can take 5-10% of their net earnings and utilize it towards their debt-killing factor.

Start using the DKF

Suppose you make a decision you can collect an additional $50 for your debt-killing factor each month. You have 2 credit cards, one with the aforesaid $5,000 balance and another with $2,000 balance. In the beginning, you’d deal with the second that has a minimum payment of $40.

If you pay the minimum for the $2,000 card and it carries an interest rate of 19%, it would take nearly 21 years to pay it down. If you add $50 to the minimum and pay $90 each month, you can pay off this whole debt in only 28 months. In addition, you would save more than $4,000 on interest costs.

Most credit cards come with different minimum payments and interest rates. If you want to work out the time needed to pay off your existing credit card debt, based on your balance, interest rate and minimum payments, you can use a credit card payoff calculator.

Keep in mind the key to effectively get rid of debt is to fix a goal for generating your debt-killing factor. Decide on something that wouldn’t make handling your money hard and stick with using it towards your selected debt each month.