Monthly Archives: January 2011

Protect Your Family at Theme Parks

Posted by gail on January 23, 2011
Travel / No Comments

There are three types of problems that occur regularly at amusement parks. These are Theme park accidents , theft, and minor injuries and illnesses. There are steps that parents can take to reduce the risk of all three.

With regards to accidents, there are a number of accidents that are the fault of the park or its attendants. There are even accidents that are unavoidable, the so-called “act of God” incidents. However, another chunk of accidents are caused by inattentive park guests as well as those that blatantly disregard safety guidelines, signs, and ride attendant instructions. Simply teaching kids — and husbands — to follow those rules will make it much less likely that an accident will occur.

Theft is a different story. However, the same precautions taken at a mall, concert, or other crowded, public space apply in theme parks. Leave valuables at home or at the hotel. Don’t carry too much cash. Be aware of the location of wallets and purses at all times. Everyone should be familiar with these types of behaviors.

As for minor accidents and illnesses, these are almost completely preventable. Drink water to prevent dehydration. Rest to prevent exhaustion. Wear sunscreen and hats to avoid sunburn and heat stroke. Have prescription drugs, inhalers, and other treatments handy. And exercise caution and alertness to avoid falling or collisions that result in bumps and bruises.

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Mortgage Loan Officers Need Training

Posted by gail on January 16, 2011
Career / No Comments

Everyone knows that the recent recession was fueled in a large part by the mortgage industry . During the preceding real estate boom, many mortgage banks and brokers took questionable risks on borrowers who didn’t really have the equity to support the amount of their loan. Homes were overvalued and the banks accepted those values only to get stuck holding the bag when they foreclosed on homes worth significantly less than original loan.

The federal government decided that one way to prevent this from happening again was to institute to the SAFE Mortgage Act. This law is designed to force mortgage loan officers to meet minimal standards for licensing and that they appear on a national registry of licensees in good standing.

Most states already had stringent requirements in place to earn a license as a loan originator or mortgage broker. Mortgage Loan Officer Training is required along with background checks and proof of insurability. Thanks to the new laws, many states now use the same core training, with variation for state mortgage laws and procedures. New officers have to take extensive training that is generally around twenty hours. Officers who want to renew their license usually have to take eight hours each year.

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