Steps for Applying for a Veterans Home Loan

Steps for Applying for a Veterans Home Loan

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The VA home loan program is a great help. With a VA home loan, it is simple for veterans to finance a home than most commercial loan programs, and there is no required down payment and no required private mortgage insurance (PMI) for the loan. Obtain counseling. This isn’t required under the VA Home Loan Program, but its certainly a good idea especially for the first-time home buyer. Pre-purchase counseling gives you information on Housing counseling is usually free. Find a home. Some people love the hunt for a new home; others hate it. But regardless of which camp you fall into, you cant proceed until you find that potential home, sweet home. Make an offer. After you’ve found the place, discuss the purchase with the seller or selling agent. Its perfectly okay to sign a purchase contract at this point, as long as its conditioned on approval of your VA home loan. Select a lender. Finding a lender who participates in the VA Home Loan Program isn’t difficult because virtually all of them do. Its a good idea to shop around to find the best possible terms. Remember, all lenders are not created equal. Obtain a Certificate of Eligibility. To obtain a VA home loan, the VA must first certify that you’re eligible for the program. This is done by issuing a Certificate of Eligibility.

Many lenders can secure this certificate for you, easily and almost instantly, using the Automated Certificate of Eligibility (ACE) system. This Internet-based application can provide eligibility and can issue an online Certificate of Eligibility in a matter of seconds. Not all cases can be processed through ACE only those for which the VA has sufficient data about the applicant in its file. However, be sure to ask your lender about this process because it can save weeks of time. If your lender doesn’t have access to ACE, you can apply for a Certificate of Eligibility by submitting a completed VA Form 26-1880. You can acquire this form from any VA regional center or print it from the. Provide proof of your military service. When applying for a Certificate of Eligibility, you should add proof of your military service along with your request. In some cases it may be possible for the VA to establish eligibility without your proof of service. However, to avoid any possible delays, its best to provide such evidence.

The lender will now request the VA to assign a licensed appraiser to determine the reasonable value for the property. The appraiser will issue a Certificate of Reasonable Value. Although the VA appraiser must view the land from both the exterior and the interior to determine its overall condition, the appraisal process isn’t an inspection of the property. You should hire your own licensed inspector to satisfy yourself that the home you intend to buy is in a condition that is acceptable to you. The VA guarantees only the loan, not the condition of the property. Its your responsibility to be an informed buyer and assure yourself that what you are buying is satisfactory to you in all respects. You may be required to pay for the appraisal unless the seller agrees to pay. However, many lenders grant you to include this fee as part of the loan. Play the waiting game. The lender will let you know the decision on the loan. You should be approved if the homes established value and your credit and income are acceptable. Sometimes it may take longer than you expect for the lender or VA to process your loan application.

Tax Settlement Solutions:

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Exhibiting at TAX SOLUTIONS will surely get you in contact with entrepreneurs struggling with tax issues and looking for creative solutions to strengthen their business by cutting tax costs. The organizer of the event is holding a strict policy for both exhibitors and visitors in order to bring the right target groups together.

Participate and get in contact with the target audience

Exhibiting at TAX SOLUTIONS  is the best advertising opportunity you will receive in 2011. It is the place to be if your organization wants direct contact with owners and CEO’s/CFO’s from small and medium-sized European companies. An essential element of any effective marketing campaign includes face-to-face contact with the right people. Exhibiting at TAX SOLUTIONS EXPO is therefore a great use of your marketing budget, with a great return on investment. Here are some typical advantages companies cite, any three of which will certainly make the investment worthwhile:

  • Capture leads
  • Do competitive research
  • Write sales at-show
  • Network with industry colleagues
  • Write sales post-show
  • Introduce a new product / service
  • Image enhancement
  • Demonstrate your product
  • Brand influence
  • Get customer feedback
  • Test a new market, segment, or industry
  • Create or maintain visibility
  • Generate publicity
  • Do market research
  • Face time with current customers
  • Get face time with hard-to-reach buyers

What is Considered Extreme DUI?

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The DUI or Driving Under Influence of Intoxicated drug is a serious offence in all states of the US as well as in other Western countries. The state legislature toughens the DUI laws on a yearly basis. It defines extreme DUI as a condition in which the alcohol content in the blood is 0.15% to 0.18%. Previous legislation had the Blood Alcohol content limit or BAC from 0.10% to 0.08%.
Drivers are heavily intoxicated while driving on roads because of the tolerance they have developed with alcohol. According to a DUI Attorney, most people could not take in enough alcohol to make their BAC 0.15% or 0.20%, because they would vomit first.

Statistics show that nearly two-third of all accidents resulting in an alcohol related fatality involves a driver with a BAC of at least 0.15%, or nearly twice the legal limit. These drivers are entitled as ‘dangerous’. If a victim undergoes an alcohol treatment or educational program, the suspension may be reduced. Extreme DUI conviction will lead to a minimum penalty of 10 days in prison compared to one day for regular DUI.

Any one convicted of any drunken driving offense loses the license for thirty days and has driving privileges restricted for sixty more days. The record for a conviction of a 0.20% BAC or more also reflects ‘extreme DUI’. These crimes are more serious and they can prolong the imprisonment duration.


Parrot AR Drone

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Hey, My name is Earl Drones and here I am going to talk about the most popular  drones of 2016. In my review of best drones, I’ll give you complete information about drones for sale including their features, price, user reviews & ratings and much more..

Miss Fashion TV @ the Rocks

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An invitation to see some of the most beautiful women in the world in a glorious location was exceedingly tempting (even without the offer of free drink), unfortunately I couldn’t make it. so Lincguide sent Cathleen Graham down to soak in the atmosphere and tell us all about it…

Miss Fashion TV is an annual event held at the Rocks Hotel and Casino in North Cyprus. I suppose it’s nearest comparison would be the Miss Universe or Miss World competitions. The winner is propelled into a whirlwind lifestyle of modelling, travel and parties. (Not included in the prize is a professional footballer).

It’s a hard life, but somebody has to do it.

If you haven’t been to the Rocks Hotel in Kyrenia, it’s facilities are first class and up there with some of the best Hotels in Vegas. The glorious evening starts around the newly refurbished pool area, atmospherically decorated with candles and a gorgeous blue fountain / waterfall feature.

A lot of thought has gone into the new redesign and its a wonderful area to relax with a drink and meet friends. The view out to sea is breath-taking, there is new lighting too on the decking area, resembling miniature sails when lit. Anwyay, it’s on with the show, and with a catwalk situated between the pool and the ocean, the models were going to have to be something to match the beauty of their surroundings.

The event was hosted by Sladjana Pejic, a well known Fashion TV beauty queen and Mehmet Ali Erbil (a famous Turkish Comedian). First up was the Bikini section (well it was very hot), followed then by a series of different outfit changes from various designers including Mehmet Kaymen and Haute Couture. The show buzzed along briskly and in the breaks we were entertained by the excellent singing of Levant Dorter and Berksan. Behind the catwalk was a huge screen so we could see all the action close up.

The judges (including a Designer from New York, Miss Fashion TV 2010 and Miss Turkey) narrowed down the field of 38 to a final 10, who then modeled über cool Emre, New York Handbags (as worn by Madonna, Beyonce and Michelle Obhama).

After some careful consideration the winners were
1st Alina Zhigulina from Russia
2nd Daniella Mijatovic from Bosnia
3rd Raychel Raquelle Garrison from USA ….And also
Miss Facebook Maya Kljajic from Bosnia
Miss Rocks Zhanna Tekleva from Russia

We sat next to The Ladies in Red who go round to most functions dressed in red to make people more aware about giving blood. It was great to see the show presented in English and Turkish, and exciting to get a glimpse of this showbiz lifestyle, even if it was just for a night.

Many thanks to the Rocks for their hospitality, incidentally look out for some fantastic live concerts coming soon at the Hotel including George Benson and Kool and the Gang.

George Benson @ The Rocks

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ONCE again, the Rocks hotel has put on a spectacular show and hosted the singer and virtuoso guitar legend that is George Benson.
The hotel has a well-earned reputation for preceding these extravaganzas with a sumptuous buffet, free drinks, followed by a great firework display and Saturday, July 23 was no exception.

Once again, Turkish TV star, Mehmet Ali Erbil was the warm up man and he certainly roused the Turkish speaking element of the audience, telling jokes and interacting with the ladies.

Slightly later than anticipated, but looking extremely composed in loose fitting clothes, Mr Benson came on stage, with his five piece band and stayed there for over one and a half hours, much to the delight of the appreciative audience, most of whom looked young enough to be his grandchildren.

Benson, a 10-time Grammy award winner, was born in Pittsburgh, Pennsylvania on 22 March 1943. He started his career at the ripe old age of seven, playing ukulele at a drug store (chemist). By age eight, he was playing in unlicensed clubs and by age 10 he had his first single called She Makes Me Mad with RCA-Victor.

He opened the concert by playing over 10 minutes of non-stop guitar which, to the audience, confirmed him as a jazz guitarist of unequalled chops (technical ability). He uses a rest-stroke picking technique similar to that of gypsy jazz players like Django Reinhardt. The applause was loud and long.

Of course, fans go to these concerts in the hope that they will hear their favourite song, evoking a cherished memory, and I don’t think there were many disappointed among the crowd on Saturday. They danced in the aisles but quickly moved to the front of the stage where they stayed for the duration of the concert.
Singing such classics as Turn Your Love Around, In Your Eyes and Somewhere Beyond the Sea, he turned to the audience and announced: “This one is for the ladies in the audience,” and sang his 1984 hit from his 20/20 album, “Nothing’s Gonna Change My Love for You.” If there were any ladies unsure of his style at this point, those doubts evaporated as he cradled them all in the palm of his hand and drew them in.

Mr Benson is also in the select few aficionados of scatting, which is the ability to sing improvised melodies and rhythms, to create the equivalent of an instrumental solo using just his voice much the same as Cleo Laine, Al Jarreau and the late Ella Fitzgerald often did. His band, all highly accomplished musicians in their own right, were, musical director and keyboard David Garfield, second keyboard Thom Hall, drums, Oscar Seaton Jnr, bass guitar, Stanley Banks and guitar and vocals, Michael O’Neil.

Announcing that North Cyprus was the last stop of his five-week European The Guitar Man and Summer 2011 tour that began in France on June 23, Mr Benson left the stage to shouts of Encore, encore.

There was never any doubt he would come back because he was obviously having as much fun as his audience. This was the queue for drummer, Oscar “Seatpocket” Seaton Jnr to give his drum solo and the audience reacted with whistles and shouts of appreciation.

Choosing to sing the 1963 hit for The Drifters, and his own hit in 1978, Mr Benson came back on stage for his encore singing On Broadway.
As he ended his performance he shouted, to be heard above the applause, “People of Cyprus, I love you very much and thank you.”

You have to wonder what makes a 68 year man; tour the world, away from his family. You wonder if it’s the financial gain but watching this singer, up on the stage you can see it’s his love of music. It is apparent in every song he sings, every chord he strums. The man is a master of his craft.

Many thanks to the Rocks Hotel. Video – Live at Montreux 1986

Kool & the Gang: Live @ The Rocks

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for the delay with these, we’ve been working on improvements to Lincguide, more info to come soon.

Over five hundred people packed into the outside pool area of the Rocks hotel to watch Kool and the Gang on Saturday, July 30 and not one of them was disappointed. Preceded by the requisite firework display, followed by Turkish TV star, Mehmet Ali Erbil and a new addition to these open air concerts, singer Ebru Aydin, the band brought their high energy act to the stage about 10.30pm and left at 11.45pm during which, they and the audience went back in musical time.

Kool and the Gang have gone through several musical phases during the course of their recording career. Starting out with a purist jazz sound, then becoming exponents of rhythm and blues and funk. Progressing to a smooth pop-funk ensemble and more recently creating music with a modern, electro-pop sound. They have sold over 70 million albums worldwide.

They have infused young blood with two of the founding fathers which gave the band a polished, yet timeless appeal. Whilst the younger element certainly had the moves, the old timers were able to hold their heads up as they played guitar and saxophone with vocals in seamless transitions.
The band now consists of 12 musicians, with nine on the stage at the Rocks. All are exceptional in their own right but if I had to mention a few it would be Shawn McQuiller lead singer and guitar and Lavel Evans second lead singer who have more energy than KibTek on a good day and moves to rival Michael Jackson. Last, but not least, Broderick Gittens on trumpet. His energy is infection and his smile is as wide as the Grand Canyon.

Young Shawn McQuiller, a definite ladies’ man asked the audience: “Is there a lady in the house who could take my heart because you can have it.” as he broke into the song of the same name. Sadly for him, no volunteer was forthcoming. Other well known songs were Joanna, Emergency, Ladies’ Night and the raunchy Get Down On It.

Before the show I was lucky enough to interview Dennis Thomas, one of the original Gang members. I asked Mr Thomas, if he could explain why some of the group’s older songs like Celebration and Cherish the Love, seemed to be timeless.

He said: “I think it’s because they are love songs, and just the way the songs are constructed, they are easy to listen to. They are pop songs ultimately but they have a lot of heart. If you make good music at the right time, it just lasts and lasts. I feel a lot of our longevity is due to simplicity, the melodies and lyrics are kind of pure, simplistic songs, they say what the song is about, they say what the song means, give it some good music, not complicated, then it’s music for all the people.”

The band has recently played Glastonbury so I asked Mr Thomas his thoughts on this and he said: “Yeah, it was our first time and the reception was great. There was a lot of mud but it was fun. They are probably one of the best audiences in the world because they are very receptive. The sound system is amazing and the energy there is fantastic. It was a lot of fun.”

With all the touring the band does, I then asked, how he felt about being away from his family. He replied: “It works because it’s been that way all my life. I have been doing it so long, I believe that coming and going keeps life fresh..Of all the songs they have made, did he have a favourite?
“I suppose I would say one from my very first instrumental album called Kool and the Gang. It’s called Sea of Tranquillity, about the crater on the moon. It’s a beautiful song.”

I wondered if he got fed up with touring, after almost fifty years in the business. He said, with a chuckle: “I am tired of the travelling, that is the worst part. The security and the customs just make it longer but we came via Istanbul and that is a very nice airport.”

Finally, I asked him what he thought of the Rocks Hotel and he said: “The Rocks hotel is magnificent, I like it here. It’s very unique to any of the other places we have been, its set up is unique and it provides a lot of different things to enjoy. The food is fantastic, the service and staff are fantastic. I am just glad to be here. We have a day off tomorrow and we are being shown around but I don’t know where yet but I am looking forward to seeing some of North Cyprus.”

The band’s biggest hit, their joyous 1980 Number One ‘Celebration’, has impressively become one of the most played songs of the last 30 years, remaining to this day the theme-song of countless sports teams, as well as being as close to a universal wedding-reception-standard as you can get in terms of American music.

Off road in North Cyprus

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Each month Rosy Glow shares her news, personal thoughts and intimate letters on her (not so) new life living in Northern Cyprus.

Dear Sis,
As another year in North Cyprus fast come to a close, I look back on our life here as we have been here three years at the end of November and I can hardly believe it. Where has the time gone?

We have seen three summers, three winters, and as our fourth winter fast approaches, we look back on our life here.
We have seen friends and family visit, some more than once. We have taken on our two dogs and they are as much a part of the family now as any of our two-legged members. They continue to thrive and bring us pleasure in their uncomplicated love towards us.

We continue to get frustrated with a government that has no concept of governance and make up rules usually to try and off-set an ailing economy but everything is just a “patch-up” job and nothing is long-term and no-one seems capable of looking at the big picture in order to put sensible procedures in place. They seem obsessed with a quick return on everything.

We are still enamoured with the Turkish Cypriot people who are unstintingly generous. The weather is conducive to a better outside living life-style and on the whole, we are living the dream but a blot on our landscape is lack of our deeds and in hind-sight we agree it might have been better to rent rather than buy.
But enough of the philosophical sister act, what else has been happening?

North Cyprus BIG news is that we now have a branch of the Royal British Legion which is fantastic news. It was inaugurated on 1 October and has been two years in the planning, permission finally being given by the North Cyprus ministries and HQ RBL in London. We now have our own standard which will be on parade at this year’s Remembrance Sunday parade on November 13. It is a definite “coup” and those involved in bringing the RBL to North Cyprus are to be commended. There are two branches in the South already
Last week I went to the Tango to Buddha Alagadi off-road raceand it was so much fun. Thirty-two vehicles competed over a 750metre course and more than 400 spectators turned up and had a great day. Can’t wait for next year’s race…. do you think I could participate?
I have also taken part in a 3-day first-aid course run by the Civil Emergency Service Volunteer force. About 20 of us participated and it was great fun and much easier to understand than other first aid courses I have done in the past.

Right dear sister, I promise to write more regularly but always remember, when cannibals eat a missionary, they get a taste for religion.
Your itinerant sister.

Living In Northern Cyprus

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Another year in Paradise

Each month Rosy Glow shares her news, personal thoughts and intimate letters on her (not so) new life living in Northern Cyprus.

Dear Sis,
Despite my assurances that I would write more often…I have failed…miserably. I am not sure why but time passes so quickly here, or is it just my age, so that I find myself on my way back before I have even left.

North Cyprus continues to delight and we all look forward to the summer months, which will soon be upon us.
Christmas and New Year, for us, were quiet but we did invite friends over for a buffet lunch on December 28th. It was quite funny as our good friends Mustafa and Semiya got the date wrong and did not turn up….they thought it was the following day! Never mind, these things happen.

Recently, James and I had to renew our residency and whilst they impose more hoops to jump through, it was surprisingly quick and relatively easy this year but I have just heard they have put up the cost of one year’s residency to TL216 per person and to TL433 for two years.

Add that to blood test, mukhtar letter, photocopying of documents and you can add on another TL150 and you will see it is getting ridiculous but we have no say in it so we just have to go with the flow.

Earlier this month Rob and I went to Istanbul for a few days. We had a great time even though it was cold and wet (what can you expect in January?). Our hotel, in Sultanahmet, the old district, was very good (Hotel Sapphire) as all the important sights were easily accessible to us. We had a full day tour, taking in such sights as the Blue Mosque, Dolmabahçe Palace, Grand Bazaar, Spice Market plus a wonderful trip on the Bosphorus.

We met some really lovely people, including a mother and daughter from Norway and a couple from Canada transiting Istanbul on their way to visit friends in Ethiopia. We had such a good time; we will definitely go back again.

Sad news from here is that Mr Rauf Denkta? died after a long, bravely fought, battle after his stroke last year. Mr Denkta? was the founding President of North Cyprus from 1895 to 2005 when he chose to retire. That said, this wonderful man wrote over 50 books in Turkish and English and was a great advocate for the ex-pats. His funeral was attended by thousands and he will be greatly missed indeed.

Finally, a letter to you would not be complete if I did not include a weather update. At the moment, we are basking in sunshine but boy oh boy, is it cold! Compared to our summer temperatures it is positively freezing but at 11° I suppose you would say I was mad but we are experiencing a cold wind blowing from the snow laden hills Turkey. Still, another 6 weeks or so and we should be realizing better temperatures.

I leave you with this thought: If “I am” is reportedly the shortest sentence in the English language, could it be that “I do” is the longest?