The Housing and Economic Recovery Act 0f 2008, signed into law at the end of July last year has brought with it many changes. In addition to providing significant mortgage reform, this comprehensive act addresses a number of important financial components.

SAFE mortgage licensing is one of the Title V sections that deals with secure and fair enforcement for mortgage licensing. Pre-licensing as well as continuing education are both affected by the SAFE Mortgage Licensing Act. New students that are just getting their licenses and certifications need to be aware of these changes.

FHA training is also seeing significant overhaul as a result of the Housing and Recovery Act. If you are looking to specialize in mortgage brokering or loan origination, having extensive knowledge of the Federal Housing Administrations new requirements will only enhance your job prospects.

Because of the intense oversight that comes attached with the Stimulus bail out money, the federal government is beginning to outline the national level regulations. State and some local government entities will also have to formulate their layers of rules that allow for fine, granular control of the mortgage lending process.

In the end, all of the new laws and regulations will leave us with a financial situation that hopefully is more stable and less likely to collapse. That would be a great industry to be a part of.

Technorati Tags: FHA training, safe mortgage licensing

Tags: FHA training, safe mortgage licensing

Has the thought of getting a Masters degree been buzzing around your head recently? Are you seeing the general state of the economy and the fluctuations in the job market and wondering if you should get in gear and get more education? If you’ve ever considered getting a Masters in Public Health online you are in luck.

The competitive landscape that is online education is full of players ready to take your money and eventually issue you a paper degree. What you have to be concerned with is the true value of that masters degree. Will you have learned what you truly need to know to be competitive with that new title when you’re back in the work place?

At ATSU you are going to be driven to excellence and highly encouraged to truly learn the subjects you’re being taught. Just because you’re taking classes online, in the comfort of your own home or office doesn’t mean the information you’ll be taught is any less important.

Given that much of your class participation and your scheduling can be developed around your work and home life means that you get to call the shots. What it doesn’t mean is that you are going to pay for the piece of paper without learning the required knowledge.

Technorati Tags: atsu, Masters in Public Health Online

Tags: atsu, Masters in Public Health Online

Like many college students who live away from home during the school year, chances are you have tons of stuff in your dorm room or apartment.

So what do you do with all this when you return home for the summer?

Stuff like clothes that you need daily access to is easy — it all goes into your closet or dresser at home. But what about furniture, mattresses, mini fridges, etc.?

Obviously, some college students are able to store their stuff at their parents’ house — in the basement, garage, a spare bedroom. Most college students aren’t that lucky, though, and need to find someplace they can put their larger items and boxes until school starts up again in the fall.

If you don’t have a place at your parents’ house for your things, self storage is probably your best option. Most likely you can fit all your stuff into the smallest size unit, which you should be able to get for $50 or less a month. This doesn’t add up to very much when you only need the storage unit for about three months over the summer.

A self storage unit is convenient because it can generally be accessed at any time of the day during business hours, so you don’t have to worry too much about putting something in there that you might want access to over the summer. Many self storage places are also protected with locking gates and security alarms, making them safe places to store your things. Some are even climate controlled for if you have things (such as valuable books, collectibles, etc.) that cannot get too hot during the summer months.

For college students that return home for the summer, self storage can be quite the lifesaver!

Technorati Tags: dorm room, self storage, self storage unit

Tags: dorm room, self storage, self storage unit

Okay, I’ve been wearing my hair natural for about 6 years now. I’ve been frustrated trying to find a consistent person to cut my hair the way I like it. I’m a cosmetologist, so I am allowed to be picky. Another frustration is finding hair products to define my natural curl (I’m a 4ab; thick density, and color-treated), impart moisture to my dry hair, and add shine.

Last semester while I was researching on the web for a cosmetology theory class I was teaching, I ran across a few videos in You Tube where women were making their own homemade hair products. I thought that it was interesting; but due to my hectic life at the time, I didn’t pursue it.

Now, some months, later I ran across some bulk shea butter in one of my dresser drawers. I had just finished doing my hair color and was in the conditioning phase. I melted some of it in the microwave just as I had saw the young lady do on You Tube. I rinsed out the conditioner, towel dried my hair, and put some of the melted shea butter in my hair. WOW! It felt so soft after it dried and was shiny.

I didn’t know that the shea butter would harden as it cooled. I then began my web search on homemade hair products for natural hair. I found several:

• Nappturality
• Herbal Soaps By RJ
• Agabanga Karite

Now I am going to attempt to make my own body butters and hair butters, moisturizers, and conditioners. We’ll see how it goes!