Universal Careers students get NREMT practice

In most states, EMT/paramedics need to get certification through the NREMT. Universal Careers is offering its students a chance to get a jump on the exam.

Universal Careers, a training organization for EMT/paramedics, now offers students the chance to take practice exams from the National Register of Emergency Medical Technicians.

The NREMT is recognized as a standard in 46 states, providing a consistent baseline to measure what is necessary for EMT/paramedic training. The organization has provided certification to emergency medical professionals since 1970, certifying more than one million professionals.

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With the use of NREMT practice exams, Universal Careers students can see how information they learn in the intensive course is applied toward certification. Students also get the satisfaction of knowing they are preparing for employment in any state.

“I like having the practice tests,” said UC student Sherri Watkins. “By taking them, it helps me see the importance of the program work. I can study better and it makes the information even more real for me.”

The practice tests also help students involved in programs for states that don't use NREMT certification. The exams give those students a chance to see what common information may make it on state certification exams.

Universal Careers places students into programs to get certified for any state in a rigorous 14 day intensive course. The instructors at UC are also trained and experienced EMTs and paramedics. Their real life experiences are joined with hands-on training to make sure Universal Careers students are ready for any situation. In addition, placement professionals at Universal Careers help certified graduates get health care jobs in either the public or private sector.

Individuals wishing to start in the growing EMS field can contact Universal Careers admission representatives at (213) 290-4682 or visit the web site at www.universalcareers.org for more information. With an expected growth of 9% over the next decade, the demand for EMTs and paramedics makes this a vital field.

Universal Careers is a national leader in EMT and paramedic training and preparation. With customer service offices in Los Angeles, Calif., and training partners 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.

Mortgage APR made simple

Description: Know what APR is, what the purpose of APR is and why it is always higher than the interest rate on your home loan.

Mortgage APR represents the Annual Percentage Rate payable on a home loan. Potential homebuyers can use it for comparing various loan products. The Federal Truth in Lending Act (TILA) necessitates lenders to advertise this rate while marketing their loan products. The APR shows the overall cost of borrowing a loan and it is typically calculated on a yearly basis.

The Annual Percentage Rate essentially indicates the relationship between the overall amount that you’ve borrowed and the cost of acquiring the borrowed amount and it is expressed as a percentage.

Various lenders use various methods to work out the Annual Percentage Rate and hence, a precise comparison of loans by applying the APR is not possible all the time. Some lenders would use software programs to figure out the APR on the various loan products that they offer to the consumers. Because of this, some mortgage advisors might not even understand which fees are being taken into account for the calculations.

What is the goal of APR?

The principal purpose of the APR is to restrain lenders from publicizing unbelievably low interest rates and subsequently hiding additional costs for the mortgage to compensate the difference. Consumers who are looking for a loan must take into consideration the APRs of every loan they’re thinking about. If the Annual Percentage Rate on one mortgage is considerably higher than the Annual Percentage Rate on a same type of loan from another lender, then this is a signal that something is distinct like higher fees. Hence, a lower Annual Percentage Rate doesn’t essentially indicate a better loan.

Why APR is always higher than the interest rate?

As Annual Percentage Rate calculations take into consideration other extra costs related to the loan, the ultimate number is always higher than the interest rate applicable for the loan. Nevertheless, this doesn’t affect the monthly mortgage payment amount. The monthly mortgage payment is worked out only on the basis of the amount borrowed, the loan term and the interest rate.

While obtaining a loan, the borrower has to incur different fees. Most of the fees or charges are comprehensively uniform. Furthermore, the lender has control on particular fees and no control on some fees that are generated externally. Some fees are normally included in the calculation of APR, some fees are seldom included and some fees are not at all included.

What are the fees that are typically included?

The fees that are typically included in the Annual Percentage Rate calculation are the following:

Underwriting fee

Loan processing fee

Document preparation fee

Private mortgage insurance (if applicable)

Origination points

Prepaid interest (Discount points)

What are the fees that are seldom included?

The following fees are seldom included in the calculation:

Loan application fee

Credit life insurance expenses

What are the fees that are not included?

Given below are the fees that are not included in the calculation:

Notary fee

Escrow fee

Appraisal fee

Attorney fee

Recording fee

Transfer taxes

Title fee

Home inspection costs

Credit report fee

Document preparation fees

The Annual Percentage Rate is a helpful loan comparison tool. You shouldn’t forget to take this number into account along with the interest rates applicable for the loans that you are thinking about.

How to get started with mortgage refinancing

Description: Refinancing your existing mortgage can help you reduce your monthly payments through lowering your interest rate or switching to a fixed rate loan.  

Many people opt for a home loan refinance when they find it difficult to keep up with their monthly mortgage obligations. You might decide to refinance for a number of reasons like reducing your monthly mortgage payment, shifting to a fixed rate home loan or even getting cash out to finance any important expense. Mortgage refinancing can solve your payment problems and save you from losing your home.

How refinancing works

Mortgage refinance lenders try to help out homeowners facing payment difficulties. They offer different feasible solutions so that homeowners can stay in their homes. Irrespective of what your condition is, they would always come up with a solution. Under home loan refinancing, your existing mortgage is replaced by another loan with more affordable interest rates and payment terms. Your interest rate is usually lowered and if you have an adjustable rate loan, the rate is switched to a fixed rate. Your existing mortgage is paid off in full by the new loan and you just need to make one manageable low-interest monthly payment to the lender. Your existing lender might be willing to refinance your loan. If not, you can search for another lender.

Do I qualify for home loan refinance?

The eligibility criteria for refinancing differ from one lender to another. However, you essentially qualify for refinancing if:

You have 10% equity accumulated in your home as a minimum
You’re up to date on your home loan payments

If you’re up to date on your home loan payments for the last 12 months but don’t have any equity accumulated in your home, you might still be eligible for the Making Home Affordable Refinance Program.

How to begin with a standard refinance

Prior to talking to a refinance professional, you should get some essential documents ready. This professional would help you find the refinancing option that is most suitable for you. You’d have to gather a bunch of documents for every individual listed on your current mortgage and they include the following:

Income tax returns for the past two years
Your loan number
Paycheck stubs or proof of gross monthly income (before taxes)
Credit card statements for the past two months
Account balances for all other loan obligations (for example, car loans, student loans and others)

 
If you feel that you might qualify for refinancing, you can talk to a refinance professional.