facebook Fan Page By: Jennifer N. Taylor National Internet Marketing Director

Size: px
Start display at page:

Download "facebook Fan Page By: Jennifer N. Taylor National Internet Marketing Director"

Transcription

1 facebook Fan Page By: Jennifer N. Taylor National Internet Marketing Director

2 Facebook s Terms and Policies. - You re not supposed to market your business on your profile page. Generate business. Provides powerful ways to generate awareness. Connects you with your customers. Builds relationships with consumers.

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37 MEDIA AUTHORIZATION & RELEASE FORM Movement Mortgage, LLC, its subsidiaries and employees (hereinafter MM ) produces and/or utilizes materials/feedback/pictures/videos in various media formats for use in many areas including but not limited to various publications, public affairs releases, press releases, marketing materials, advertisements, broadcasts, podcasts, social media, and other related endeavors. After reading and understanding the above and in the interest of furthering the above purpose(s), the undersigned knowingly and willingly agrees to be bound by this authorization and release and agrees as follows: A. To authorize MM to record my name, likeness, voice, quote, and/or performance by any means of recordation, in particular, but without limitation, photograph, motion picture, and/or videotape; and B. To authorize MM to use my name, likeness, voice, quote, and/or performance in any means of printed or Web publication or electronic broadcast; and C. To not receive any form of consideration, in particular, but without limitation, royalties and/or payments from MM or related entities, for said recordation and use by MM of my name, likeness, voice, quote, and/or performance in any means of publication; and D. MM has all rights, title, and interest to and the undersigned hereby assigns to MM any rights of the undersigned to any recordation and any use of the recordation made pursuant to this authorization; further, MM is authorized to control distribution, editing, and use of the said recordation locally, nationally, and internationally; and E. To release and hold harmless MM, MM-related entities, and their agents, personnel, trustees, directors, officers, and employees against any and all claims for loss, damages, or injuries as a result of participating in the activities anticipated by this agreement, in particular, but without limitation, the publication and the recordation of the name, likeness, voice, quote, and/or performance of the undersigned. The undersigned has read and voluntarily signed this authorization and release of liability and agrees to be bound by the terms and conditions herein. I have not been coerced in any way to sign this agreement and do so under my own free will. DATE: Name (Print): Name (Signature):

38

39

40

41

42

43

44

45 Movement Mortgage, LLC is an Equal Housing Lender. NMLS # ( Movement Mortgage, LLC is licensed by the "Alabama State Banking Department" Lic # 21022, "Arizona Department of Financial Institutions Lic # , "Arkansas Securities Department Lic # , "Licensed by the CA Department of Business Oversight under the California Residential Mortgage Lending Act" Lic # , "regulated by Division of Real Estate" in Colorado, "Connecticut Department of Banking" Lic # ML-39179, "District of Columbia Department of Insurance, Securities and Banking Bureau" Lic # MLB39179, "Florida Office of Financial Regulation" Lic # MLD200, "Georgia Residential Mortgage Licensee" by the "Georgia Department of Banking and Finance" Lic # 23002, "Idaho Dept of Finance" Lic # MBL- 8027, "Illinois Residential Mortgage Licensee" by the "Illinois Division of Banking" Lic # MB , "Indiana Department of Financial Institutions" Lic # 18121, "Iowa Division of Banking" Lic # , "Kentucky Department of Financial Institutions" Lic # MC85066, "Louisiana Office of Financial Institutions", Maryland Commissioner of Financial Regulation Lic # 19094, "Massachusetts Divisions of Banks" Lic # MC39179, Michigan Office of Financial and Insurance Regulation Lic # FL , "Minnesota Department of Commerce" Lic # MN-MO-39179, "Mississippi Licensed Mortgage Company" by the "Mississippi Dept of Banking and Consumer Finance" Lic # 39179, "Missouri Division of Finance" Lic # , "Nevada Division of Mortgage Lending" Lic # 3402/3401, "NJ Department of Banking and Insurance", State of North Carolina Commissioner of Banks Lic # L , North Dakota Dept of Financial Institutions Lic # MB102519, "Oklahoma Dept of Consumer Credit Licensing" Lic # ML002646, "licensed under the Oregon Consumer Finance Act" by the "Oregon Division of Finance and Corporate Securities" Lic # ML-5081, "Pennsylvania Department of Banking" Lic # 34374, "South Carolina Board of Financial Institutions" Lic # MLS-39179, South Dakota Division of Banking" Lic # ML.05007, "Tennessee Department of Financial Institutions" Lic # , "Residential Mortgage Loan Originator" licensed by "Texas Dept of Savings and Mortgage Lending", "Virginia Bureau of Financial Institutions" #: MC-5112, "Department of Financial Institutions" Lic # CL-39179, "WV Division of Financial Institutions" Lic # MB-32019/ML-32020, and "Wisconsin Dept of Financial Institutions" Lic # 39179BA/BR. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. Movement Mortgage is a registered trademark of the Movement Mortgage, LLC, a Delaware limited liability company.

One-Time Close Loan. Your guide to your new home construction loan

One-Time Close Loan. Your guide to your new home construction loan One-Time Close Loan Your guide to your new home construction loan Welcome to Gateway Mortgage Group! Thank you for selecting Gateway to finance your new home. We hope your home-building experience will

More information

Annual Costs Cost of Care. Home Health Care

Annual Costs Cost of Care. Home Health Care 2017 Cost of Care Home Health Care USA National $18,304 $47,934 $114,400 3% $18,304 $49,192 $125,748 3% Alaska $33,176 $59,488 $73,216 1% $36,608 $63,492 $73,216 2% Alabama $29,744 $38,553 $52,624 1% $29,744

More information

State Individual Income Taxes: Personal Exemptions/Credits, 2011

State Individual Income Taxes: Personal Exemptions/Credits, 2011 Individual Income Taxes: Personal Exemptions/s, 2011 Elderly Handicapped Blind Deaf Disabled FEDERAL Exemption $3,700 $7,400 $3,700 $7,400 $0 $3,700 $0 $0 $0 $0 Alabama Exemption $1,500 $3,000 $1,500 $3,000

More information

Income from U.S. Government Obligations

Income from U.S. Government Obligations Baird s ----------------------------------------------------------------------------------------------------------------------------- --------------- Enclosed is the 2017 Tax Form for your account with

More information

Union Members in New York and New Jersey 2018

Union Members in New York and New Jersey 2018 For Release: Friday, March 29, 2019 19-528-NEW NEW YORK NEW JERSEY INFORMATION OFFICE: New York City, N.Y. Technical information: (646) 264-3600 BLSinfoNY@bls.gov www.bls.gov/regions/new-york-new-jersey

More information

Kentucky , ,349 55,446 95,337 91,006 2,427 1, ,349, ,306,236 5,176,360 2,867,000 1,462

Kentucky , ,349 55,446 95,337 91,006 2,427 1, ,349, ,306,236 5,176,360 2,867,000 1,462 TABLE B MEMBERSHIP AND BENEFIT OPERATIONS OF STATE-ADMINISTERED EMPLOYEE RETIREMENT SYSTEMS, LAST MONTH OF FISCAL YEAR: MARCH 2003 Beneficiaries receiving periodic benefit payments Periodic benefit payments

More information

Undocumented Immigrants are:

Undocumented Immigrants are: Immigrants are: Current vs. Full Legal Status for All Immigrants Appendix 1: Detailed State and Local Tax Contributions of Total Immigrant Population Current vs. Full Legal Status for All Immigrants

More information

Checkpoint Payroll Sources All Payroll Sources

Checkpoint Payroll Sources All Payroll Sources Checkpoint Payroll Sources All Payroll Sources Alabama Alaska Announcements Arizona Arkansas California Colorado Connecticut Source Foreign Account Tax Compliance Act ( FATCA ) Under Chapter 4 of the Code

More information

Ability-to-Repay Statutes

Ability-to-Repay Statutes Ability-to-Repay Statutes FEDERAL ALABAMA ALASKA ARIZONA ARKANSAS CALIFORNIA STATUTE Truth in Lending, Regulation Z Consumer Credit Secure and Fair Enforcement for Bankers, Brokers, and Loan Originators

More information

H E C M F O R P U R C H A S E HOME BUYER S GUIDE

H E C M F O R P U R C H A S E HOME BUYER S GUIDE H E C M F O R P U R C H A S E HOME BUYER S GUIDE For those age 62 and better... Learn A Little Known Strategy to Buy Your Dream Home with No Monthly Mortgage Payments* * Borrower is responsible for home

More information

Federal Registry. NMLS Federal Registry Quarterly Report Quarter I

Federal Registry. NMLS Federal Registry Quarterly Report Quarter I Federal Registry NMLS Federal Registry Quarterly Report 2012 Quarter I Updated June 6, 2012 Conference of State Bank Supervisors 1129 20 th Street, NW, 9 th Floor Washington, D.C. 20036-4307 NMLS Federal

More information

AIG Benefit Solutions Producer Licensing and Appointment Requirements by State

AIG Benefit Solutions Producer Licensing and Appointment Requirements by State 3600 Route 66, Mail Stop 4J, Neptune, NJ 07754 AIG Benefit Solutions Producer Licensing and Appointment Requirements by State As an industry leader in the group insurance benefits market, AIG is firmly

More information

State Income Tax Tables

State Income Tax Tables ALABAMA 1 st $1,000... 2% Next 5,000... 4% Over 6,000... 5% ALASKA... 0% ARIZONA 1 1 st $10,000... 2.87% Next 15,000... 3.2% Next 25,000... 3.74% Next 100,000... 4.72% Over 150,000... 5.04% ARKANSAS 1

More information

Fingerprint, Biographical Affidavit and Third-Party Verification Reports Requirements

Fingerprint, Biographical Affidavit and Third-Party Verification Reports Requirements Updates to the State Specific Information Fingerprint, Biographical Affidavit and Third-Party Verification Reports Requirements State Requirements For Licensure Requirements After Licensure (Non-Domestic)

More information

Pay Frequency and Final Pay Provisions

Pay Frequency and Final Pay Provisions Pay Frequency and Final Pay Provisions State Pay Frequency Minimum Final Pay Resign Final Pay Terminated Alabama Bi-weekly or semi-monthly No Provision No Provision Alaska Semi-monthly or monthly Next

More information

Impacts of Prepayment Penalties and Balloon Loans on Foreclosure Starts, in Selected States: Supplemental Tables

Impacts of Prepayment Penalties and Balloon Loans on Foreclosure Starts, in Selected States: Supplemental Tables THE UNIVERSITY NORTH CAROLINA at CHAPEL HILL T H E F R A N K H A W K I N S K E N A N I N S T I T U T E DR. MICHAEL A. STEGMAN, DIRECTOR T 919-962-8201 OF PRIVATE ENTERPRISE CENTER FOR COMMUNITY CAPITALISM

More information

Consumer Installment Loan Regulations - State

Consumer Installment Loan Regulations - State Alabama Yes State of Alabama Banking Department Code 5-18-1 et seq http://www.bank.state.al.us/faq_regarding _licensing.htm Alaska Yes Department of Commerce, Community and Economic Development, Consumer

More information

Required Training Completion Date. Asset Protection Reciprocity

Required Training Completion Date. Asset Protection Reciprocity Completion Alabama Alaska Arizona Arkansas California State Certification: must complete initial 16 hours (8 hrs of general LTC CE and 8 hrs of classroom-only CE specifically on the CA for LTC prior to

More information

ADVERTISING DISCLAIMERS AND LICENSING INFORMATION

ADVERTISING DISCLAIMERS AND LICENSING INFORMATION # Trigger Term/Phrase Required Disclosure Location 1 Tax Free Consult your financial/tax advisor and appropriate government agencies for any effect on taxes or government benefits. 2 No monthly mortgage

More information

Sales Tax Return Filing Thresholds by State

Sales Tax Return Filing Thresholds by State Thanks to R&M Consulting for assistance in putting this together Sales Tax Return Filing Thresholds by State State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Filing Thresholds

More information

The table below reflects state minimum wages in effect for 2014, as well as future increases. State Wage Tied to Federal Minimum Wage *

The table below reflects state minimum wages in effect for 2014, as well as future increases. State Wage Tied to Federal Minimum Wage * State Minimum Wages The table below reflects state minimum wages in effect for 2014, as well as future increases. Summary: As of Jan. 1, 2014, 21 states and D.C. have minimum wages above the federal minimum

More information

Fingerprint and Biographical Affidavit Requirements

Fingerprint and Biographical Affidavit Requirements Updates to the State-Specific Information Fingerprint and Biographical Affidavit Requirements State Requirements For Licensure Requirements After Licensure (Non-Domestic) Alabama NAIC biographical affidavit

More information

# of Credit Unions As of March 31, 2011

# of Credit Unions As of March 31, 2011 # of Credit Unions # of Credit Unins # of Credit Unions As of March 31, 2011 8,600 8,400 8,200 8,000 8,478 8,215 7,800 7,909 7,600 7,400 7,651 7,442 7,200 7,000 6,800 # of Credit Unions -Trend By Asset-Based

More information

The Effect of the Federal Cigarette Tax Increase on State Revenue

The Effect of the Federal Cigarette Tax Increase on State Revenue FISCAL April 2009 No. 166 FACT The Effect of the Federal Cigarette Tax Increase on State Revenue By Patrick Fleenor Today the federal cigarette tax will rise from 39 cents to $1.01 per pack. The proceeds

More information

Termination Final Pay Requirements

Termination Final Pay Requirements State Involuntary Termination Voluntary Resignation Vacation Payout Requirement Alabama No specific regulations currently exist. No specific regulations currently exist. if the employer s policy provides

More information

Aetna Individual Direct Pay Commissions Schedule

Aetna Individual Direct Pay Commissions Schedule Aetna Individual Direct Pay Commissions Schedule Cards Issued Broker Rate Broker Tier Per Year 1st Yr 2nd Yr 3+ Yrs Levels 11-Jan 4.00% 4.00% 3.00% Bronze 24-Dec 6.00% 4.00% 3.00% Silver 25-49 8.00% 4.00%

More information

Federal Rates and Limits

Federal Rates and Limits Federal s and Limits FICA Social Security (OASDI) Base $118,500 Medicare (HI) Base No Limit Social Security (OASDI) Percentage 6.20% Medicare (HI) Percentage Maximum Employee Social Security (OASDI) Withholding

More information

ATHENE Performance Elite Series of Fixed Index Annuities

ATHENE Performance Elite Series of Fixed Index Annuities Rates Effective August 8, 05 ATHE Performance Elite Series of Fixed Index Annuities State Availability Alabama Alaska Arizona Arkansas Product Montana Nebraska Nevada New Hampshire California PE New Jersey

More information

The Costs and Benefits of Half a Loaf: The Economic Effects of Recent Regulation of Debit Card Interchange Fees. Robert J. Shapiro

The Costs and Benefits of Half a Loaf: The Economic Effects of Recent Regulation of Debit Card Interchange Fees. Robert J. Shapiro The Costs and Benefits of Half a Loaf: The Economic Effects of Recent Regulation of Debit Card Interchange Fees Robert J. Shapiro October 1, 2013 The Costs and Benefits of Half a Loaf: The Economic Effects

More information

Eligible Mortgage Loans. Client Guide Chapter 2

Eligible Mortgage Loans. Client Guide Chapter 2 Eligible Mortgage Loans Client Guide Chapter 2 Gateway Mortgage Group, LLC Correspondent Lending Division Client Guide Rev. 06/19/2018 TABLE OF CONTENTS Chapter 2 Eligible Mortgage Loans 3 Qualified Mortgage

More information

State Corporate Income Tax Collections Decline Sharply

State Corporate Income Tax Collections Decline Sharply Corporate Income Tax Collections Decline Sharply Nicholas W. Jenny and Donald J. Boyd The Rockefeller Institute Fiscal News: Vol. 1, No. 3 July 26, 2001 According to a report from the Congressional Budget

More information

Recourse for Employees Misclassified as Independent Contractors Department for Professional Employees, AFL-CIO

Recourse for Employees Misclassified as Independent Contractors Department for Professional Employees, AFL-CIO Recourse for Employees Misclassified as Independent Contractors Department for Professional Employees, AFL-CIO State Relevant Agency Contact Information Online Resources Online Filing Alabama Department

More information

Motor Vehicle Sales/Use, Tax Reciprocity and Rate Chart-2005

Motor Vehicle Sales/Use, Tax Reciprocity and Rate Chart-2005 The following is a Motor Vehicle Sales/Use Tax Reciprocity and Rate Chart which you may find helpful in determining the Sales/Use Tax liability of your customers who either purchase vehicles outside of

More information

Residual Income Requirements

Residual Income Requirements Residual Income Requirements ytzhxrnmwlzh Ch. 4, 9-e: Item 44, Balance Available for Family Support (04/10/09) Enter the appropriate residual income amount from the following tables in the guideline box.

More information

Registering Foreign Nonprofit Corporations. Question by: Sarah Steinbeck. Date: 17 June 2010

Registering Foreign Nonprofit Corporations. Question by: Sarah Steinbeck. Date: 17 June 2010 Topic: Registering Foreign Nonprofit Corporations Question by: Sarah Steinbeck Jurisdiction: Colorado Date: 17 June 2010 Jurisdiction Question: Do you require foreign nonprofit corporations to file a statement

More information

Providing Subprime Consumers with Access to Credit: Helpful or Harmful? James R. Barth Auburn University

Providing Subprime Consumers with Access to Credit: Helpful or Harmful? James R. Barth Auburn University Providing Subprime Consumers with Access to Credit: Helpful or Harmful? James R. Barth Auburn University FICO Scores: Identifying Subprime Consumers Category FICO Score Range Super-prime 740 and Higher

More information

# of Credit Unions As of September 30, 2011

# of Credit Unions As of September 30, 2011 # of Credit Unions # of Credit Unions # of Credit Unions As of September 30, 2011 8,400 8,200 8,000 7,800 7,600 7,400 7,200 8,332 8,065 7,794 7,556 7,325 7,000 6,800 9,000 8,000 7,000 6,000 5,000 4,000

More information

Media Alert. First American CoreLogic Releases Q3 Negative Equity Data

Media Alert. First American CoreLogic Releases Q3 Negative Equity Data Contact Information Below Media Alert First American CoreLogic Releases Q3 Negative Equity Data First American CoreLogic, the first company to develop a national, state and city-level negative equity report,

More information

36 Million Without Health Insurance in 2014; Decreases in Uninsurance Between 2013 and 2014 Varied by State

36 Million Without Health Insurance in 2014; Decreases in Uninsurance Between 2013 and 2014 Varied by State 36 Million Without Health Insurance in 2014; Decreases in Uninsurance Between 2013 and 2014 Varied by State An estimated 36 million people in the United States had no health insurance in 2014, approximately

More information

MEDICAID BUY-IN PROGRAMS

MEDICAID BUY-IN PROGRAMS MEDICAID BUY-IN PROGRAMS Under federal law, states have the option of creating Medicaid buy-in programs that enable employed individuals with disabilities who make more than what is allowed under Section

More information

Q309 NATIONAL DELINQUENCY SURVEY FROM THE MORTGAGE BANKERS ASSOCIATION. Data as of September 30, 2009

Q309 NATIONAL DELINQUENCY SURVEY FROM THE MORTGAGE BANKERS ASSOCIATION. Data as of September 30, 2009 NATIONAL DELINQUENCY SURVEY FROM THE MORTGAGE BANKERS ASSOCIATION Q309 Data as of September 30, 2009 2009 Mortgage Bankers Association (MBA). All rights reserved, except as explicitly granted. Data are

More information

MINIMUM WAGE WORKERS IN HAWAII 2013

MINIMUM WAGE WORKERS IN HAWAII 2013 WEST INFORMATION OFFICE San Francisco, Calif. For release Wednesday, June 25, 2014 14-898-SAN Technical information: (415) 625-2282 BLSInfoSF@bls.gov www.bls.gov/ro9 Media contact: (415) 625-2270 MINIMUM

More information

Q Homeowner Confidence Survey Results. May 20, 2010

Q Homeowner Confidence Survey Results. May 20, 2010 Q1 2010 Homeowner Confidence Survey Results May 20, 2010 The Zillow Homeowner Confidence Survey is fielded quarterly to determine the confidence level of American homeowners when it comes to the value

More information

Q209 NATIONAL DELINQUENCY SURVEY FROM THE MORTGAGE BANKERS ASSOCIATION. Data as of June 30, 2009

Q209 NATIONAL DELINQUENCY SURVEY FROM THE MORTGAGE BANKERS ASSOCIATION. Data as of June 30, 2009 NATIONAL DELINQUENCY SURVEY FROM THE MORTGAGE BANKERS ASSOCIATION Q209 Data as of June 30, 2009 2009 Mortgage Bankers Association (MBA). All rights reserved, except as explicitly granted. Data are from

More information

NOTICE TO MEMBERS CANADIAN DERIVATIVES CORPORATION CANADIENNE DE. Trading by U.S. Residents

NOTICE TO MEMBERS CANADIAN DERIVATIVES CORPORATION CANADIENNE DE. Trading by U.S. Residents NOTICE TO MEMBERS CANADIAN DERIVATIVES CORPORATION CANADIENNE DE CLEARING CORPORATION COMPENSATION DE PRODUITS DÉRIVÉS NOTICE TO MEMBERS No. 2002-013 January 28, 2002 Trading by U.S. Residents This is

More information

2012 RUN Powered by ADP Tax Changes

2012 RUN Powered by ADP Tax Changes 2012 RUN Powered by ADP Tax Changes Dear Valued ADP Client, Beginning with your first payroll with checks dated in 2012, you and your employees may notice changes in your paychecks due to updated 2012

More information

DATA AS OF SEPTEMBER 30, 2010

DATA AS OF SEPTEMBER 30, 2010 NATIONAL DELINQUENCY SURVEY Q3 2010 DATA AS OF SEPTEMBER 30, 2010 2010 Mortgage Bankers Association (MBA). All rights reserved, except as explicitly granted. Data are from a proprietary paid subscription

More information

ACORD Forms Updated in AMS R1

ACORD Forms Updated in AMS R1 ACORD Forms Updated in AMS360 2017 R1 The following forms will use the ACORD form viewer, also new in this release. Forms with an indicate they were added because of requests in the Product Enhancement

More information

DFA INVESTMENT DIMENSIONS GROUP INC. DIMENSIONAL INVESTMENT GROUP INC. Institutional Class Shares January 2018

DFA INVESTMENT DIMENSIONS GROUP INC. DIMENSIONAL INVESTMENT GROUP INC. Institutional Class Shares January 2018 DFA INVESTMENT DIMENSIONS GROUP INC. DIMENSIONAL INVESTMENT GROUP INC. Institutional Class Shares January 2018 Supplementary Tax Information 2017 The following supplementary information may be useful in

More information

TA X FACTS NORTHERN FUNDS 2O17

TA X FACTS NORTHERN FUNDS 2O17 TA X FACTS 2O17 Northern Funds Tax Facts provides specific information about your Northern Funds investment income and capital gain distributions for 2017. If you have any questions about how to apply

More information

Chapter D State and Local Governments

Chapter D State and Local Governments Chapter D State and Local Governments State and Local Governments contains detailed information on the taxes, revenues, and expenditures of states and localities. The public finances of these two levels

More information

PAY STATEMENT REQUIREMENTS

PAY STATEMENT REQUIREMENTS PAY MENT 2017 PAY MENT Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia No generally applicable wage payment law for private employers. Rate

More information

STANDARD MANUALS EXEMPTIONS

STANDARD MANUALS EXEMPTIONS STANDARD MANUALS EXEMPTIONS The manual exemptions permits a security to be distributed in a particular state without being registered if the company issuing the security has a listing for that security

More information

Understanding Oregon s Throwback Rule for Apportioning Corporate Income

Understanding Oregon s Throwback Rule for Apportioning Corporate Income Understanding Oregon s Throwback Rule for Apportioning Corporate Income Senate Interim Committee on Finance and Revenue January 12, 2018 2 Apportioning Corporate Income Apportionment is a method of dividing

More information

Nation s Uninsured Rate for Children Drops to Another Historic Low in 2016

Nation s Uninsured Rate for Children Drops to Another Historic Low in 2016 Nation s Rate for Children Drops to Another Historic Low in 2016 by Joan Alker and Olivia Pham The number of uninsured children nationwide dropped to another historic low in 2016 with approximately 250,000

More information

What is your New Financing Statement Fee? What is your Amendment Fee (include termination fee if a different amount)?

What is your New Financing Statement Fee? What is your Amendment Fee (include termination fee if a different amount)? Topic: UCC Filing Fee Information Question By: Tana Gormely Jurisdiction: Montana Date: 03 April 2012 Jurisdiction Alabama Alaska Arizona Arkansas California Question(s) What is your New Financing Statement

More information

Tax Recommendations and Actions in Other States. Joel Michael House Research Department June 9, 2011

Tax Recommendations and Actions in Other States. Joel Michael House Research Department June 9, 2011 Tax Recommendations and Actions in Other States Joel Michael House Research Department June 9, 2011 Governors FY 2012 Recommendations 12 governors recommend net revenue (tax and fee) increases 12 governors

More information

STATE TAX WITHHOLDING GUIDELINES

STATE TAX WITHHOLDING GUIDELINES STATE TAX WITHHOLDING GUIDELINES ( Guardian Insurance & Annuity Company, Inc. and Guardian Life Insurance Company of America (hereafter collectively referred to as Company )) (Last Updated 11/2/215) state

More information

J.P. Morgan Funds 2018 Distribution Notice

J.P. Morgan Funds 2018 Distribution Notice J.P. Morgan Funds 2018 Distribution Notice To assist you in preparing your 2018 Tax returns, we re pleased to provide this distribution notice for your J.P.Morgan Fund investment. If you are unclear about

More information

IFI RPG Master Policy Program(s) Surplus Lines Disclosure Notices to the Insured

IFI RPG Master Policy Program(s) Surplus Lines Disclosure Notices to the Insured IFI RPG Master Policy Program(s) Surplus Lines Disclosure Notices to the Insured State Alabama Alaska Arizona Arkansas* California* Disclosure This contract is registered and delivered as a surplus line

More information

Eligible Mortgage Loans. Client Guide Chapter 2

Eligible Mortgage Loans. Client Guide Chapter 2 Eligible Mortgage Loans Client Guide Chapter 2 201 Gateway Mortgage Group, LLC. Rev. 02/29/201 TABLE OF CONTENTS Chapter 2 Approved Products and Services Eligible Property and Lien Status Geographic Restrictions

More information

Forecasting State and Local Government Spending: Model Re-estimation. January Equation

Forecasting State and Local Government Spending: Model Re-estimation. January Equation Forecasting State and Local Government Spending: Model Re-estimation January 2015 Equation The REMI government spending estimation assumes that the state and local government demand is driven by the regional

More information

EBRI Databook on Employee Benefits Chapter 6: Employment-Based Retirement Plan Participation

EBRI Databook on Employee Benefits Chapter 6: Employment-Based Retirement Plan Participation EBRI Databook on Employee Benefits Chapter 6: Employment-Based Retirement Plan Participation UPDATED July 2014 This chapter looks at the percentage of American workers who work for an employer who sponsors

More information

Mapping the geography of retirement savings

Mapping the geography of retirement savings of savings A comparative analysis of retirement savings data by state based on information gathered from over 60,000 individuals who have used the VoyaCompareMe online tool. Mapping the geography of retirement

More information

Producer ( Distributor ) Commission Schedule

Producer ( Distributor ) Commission Schedule Producer ( Distributor ) Commission Schedule EFFECTIVE DATE: October 1, 2014 General Provisions This schedule is part of your Distributor Agreement with Medico Insurance Company and/or Medico Corp Life

More information

IMPORTANT TAX INFORMATION

IMPORTANT TAX INFORMATION IMPORTANT TAX INFORMATION The following information about your enclosed 1099-DIV from s should be used when preparing your 2017 tax return. Form 1099-DIV reports dividends, exempt-interest dividends, capital

More information

STATE MINIMUM WAGES 2017 MINIMUM WAGE BY STATE

STATE MINIMUM WAGES 2017 MINIMUM WAGE BY STATE STATE MINIMUM WAGES 2017 MINIMUM WAGE BY STATE The table below, created by the National Conference of State Legislatures (NCSL), reflects current state minimum wages in effect as of January 1, 2017, as

More information

SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS. The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance

SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS. The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency (the agencies)

More information

Mutual Fund Tax Information

Mutual Fund Tax Information 2008 Mutual Fund Tax Information We have provided this information as a service to our shareholders. Thornburg Investment Management cannot and does not give tax or accounting advice. If you have further

More information

Are You 62 or Better?

Are You 62 or Better? your age, here s what you can pay for this beautiful condo/home $125,000 $150,000 $175,000 $200,000 $225,000 62 $ 78,207 $ 93,407 $ 108,432 $ 123,607 $ 138,782 65 $ 75,707 $ 90,407 $ 104,932 $ 119,607

More information

Plan documents are the final arbiter of coverage. Dental Accident Critical Illness Pets Best

Plan documents are the final arbiter of coverage. Dental Accident Critical Illness Pets Best Benefit Disclosures Accident, Critical Illness or Dental individual coverage may not be available in all states. These individual policies have exclusions and limitations and provisions regarding termination

More information

Mutual Fund Tax Information

Mutual Fund Tax Information Mutual Fund Tax Information We have provided this information as a service to our shareholders. Thornburg Investment Management cannot and does not give tax or accounting advice. If you have further questions

More information

Arkansas Fair Mortgage Lending Act License No Mortgage Loan Company Act Issued: 02/06/12

Arkansas Fair Mortgage Lending Act License No Mortgage Loan Company Act Issued: 02/06/12 Page 1 Alabama Consumer Credit Act License No. MC 21603 State of Alabama Issued 11/13/2012 State Banking Department Consumer Credit License 401 Adams Avenue Montgomery, AL 36103 Attn: State Banking Department

More information

Helping Victims of Identity Theft and Consumer Fraud Crimes., 2017 at 3 pm ET Thursday, July 13, 2017 at 3:00pm ET

Helping Victims of Identity Theft and Consumer Fraud Crimes., 2017 at 3 pm ET Thursday, July 13, 2017 at 3:00pm ET Helping Victims of Identity Theft and Consumer Fraud Crimes, 2017 at 3 pm ET Thursday, July 13, 2017 at 3:00pm ET What is the need? What FTC resources are available to assist victims of ID Theft and fraud?

More information

American Economics Group Clear and Effective Economic Analysis. American Economics Group

American Economics Group Clear and Effective Economic Analysis. American Economics Group Presentation for: Federation Clear of and Tax Effective Administrators Economic Analysis 9/22/03 Charles W. de Seve, Ph.D. www.americaneconomics.com The Economy is Recovering : The National Economic Setting

More information

MainStay Funds Income Tax Information Notice

MainStay Funds Income Tax Information Notice MainStay Funds Income Tax Information Notice The information contained in this brochure is being furnished to shareholders of the MainStay Funds for informational purposes only. Please consult your own

More information

MINIMUM WAGE WORKERS IN TEXAS 2016

MINIMUM WAGE WORKERS IN TEXAS 2016 For release: Thursday, May 4, 2017 17-488-DAL SOUTHWEST INFORMATION OFFICE: Dallas, Texas Contact Information: (972) 850-4800 BLSInfoDallas@bls.gov www.bls.gov/regions/southwest MINIMUM WAGE WORKERS IN

More information

Financial Institutions. Date: September 24, [Financial Institutions] [September 24, 2013]

Financial Institutions. Date: September 24, [Financial Institutions] [September 24, 2013] Topic: Question by: : Financial Institutions Rebecca Longfellow Indiana Date: September 24, 2013 Manitoba Corporations Canada Alabama Alaska Arizona In Arizona, financial institutions are also regulated

More information

2014 STATE AND FEDERAL MINIMUM WAGES HR COMPLIANCE CENTER

2014 STATE AND FEDERAL MINIMUM WAGES HR COMPLIANCE CENTER 2014 STATE AND FEDERAL MINIMUM WAGES HR COMPLIANCE CENTER The federal Fair Labor Standards Act (FLSA), which applies to most employers, establishes minimum wage and overtime requirements for the private

More information

Introduction... 1 Survey Methodology... 1 Industry Breakouts... 2 Organization Size Breakouts... 3 Geographic Breakouts

Introduction... 1 Survey Methodology... 1 Industry Breakouts... 2 Organization Size Breakouts... 3 Geographic Breakouts Introduction... 1 Survey Methodology... 1 Industry Breakouts... 2 Organization Size Breakouts... 3 Geographic Breakouts... 3... 4... 8 148 282 414 536 662... 8 148 282 414 536 662... 8 148 282 414 536

More information

Employee Leasing/Temporary Employment Agency Application

Employee Leasing/Temporary Employment Agency Application Employee Leasing/Temporary Employment Agency Application All questions must be answered in full. Application must be signed and dated by the applicant. Applicant s Name Agent Applicant Mailing Address

More information

The 2017 CHP Salary Survey

The 2017 CHP Salary Survey The 2017 CHP Salary Survey Gary Lauten, CHP, AAHP Niche Analyst Introduction The 2017 certified health physicist (CHP) survey data was collected by having CHPs submit their responses to survey questions

More information

ACORD Forms in ebixasp (03/2004)

ACORD Forms in ebixasp (03/2004) ACORD Forms in ebixasp (03/2004) Form number Form Name Edition Date 1 Property Loss Notice 2002/1 2 Automobile Loss Notice 2002/1 3 General Liability Notice of Occurrence/Claim 2002/1 4 Workers Compensation

More information

COMMISSIONER OF FINANCIAL INSTITUTIONS COMMONWEALTH OF PUERTO RICO

COMMISSIONER OF FINANCIAL INSTITUTIONS COMMONWEALTH OF PUERTO RICO COMMISSIONER OF FINANCIAL INSTITUTIONS COMMONWEALTH OF PUERTO RICO MEMORANDUM To: From: Subject: Broker-Dealers Securities Division Registration Requirements Forms that should be on file with the FINRA

More information

Federal Reserve Bank of Dallas. July 15, 2005 SUBJECT. Banking Agencies Issue Host State Loan-to-Deposit Ratios DETAILS

Federal Reserve Bank of Dallas. July 15, 2005 SUBJECT. Banking Agencies Issue Host State Loan-to-Deposit Ratios DETAILS Federal Reserve Bank of Dallas 2200 N. PEARL ST. DALLAS, TX 75201-2272 July 15, 2005 Notice 05-37 TO: The Chief Executive Officer of each financial institution and others concerned in the Eleventh Federal

More information

FAPRI Analysis of Dairy Policy Options for the 2002 Farm Bill Conference

FAPRI Analysis of Dairy Policy Options for the 2002 Farm Bill Conference FAPRI Analysis of Dairy Policy Options for the 2002 Farm Bill Conference FAPRI-UMC Report #04-02 April 11, 2002 Food and Agricultural Policy Research Institute University of Missouri 101 South Fifth Street

More information

ADDITIONAL REQUIRED TRAINING before proceeding. Annuity Carrier Specific Product Training

ADDITIONAL REQUIRED TRAINING before proceeding. Annuity Carrier Specific Product Training American Equity REQUIRED CARRIER SPECIFIC TRAINING (CST) INSTRUCTIONS Annuity Carrier Specific Product Training and state mandated NAIC Annuity Training (see STATE ANNUITY SUITABILITY TRAINING REQUIREMENT

More information

Exhibit 57A. Approved Attorney Fees and Title Expenses

Exhibit 57A. Approved Attorney Fees and Title Expenses Exhibit 57A Approved Attorney Fees and Title Expenses Written pre-approval from Freddie Mac is required before incurring any expense in excess of any of the below amounts. See Sections 9701.11 and 9701.15

More information

Important 2007 Tax Information

Important 2007 Tax Information Important 2007 Information For First American s Shareholders In order to assist you with your 2007 income tax preparation, we have compiled this important tax information pertaining to First American s.

More information

Do you charge an expedite fee for online filings?

Do you charge an expedite fee for online filings? Topic: Expedite Fees and Online Filings Question by: Allison A. DeSantis : Ohio Date: March 14, 2012 Manitoba Corporations Canada Alabama Alaska Arizona Yes. The expedite fee is $35. We currently offer

More information

STATE AND FEDERAL MINIMUM WAGES

STATE AND FEDERAL MINIMUM WAGES 2017 STATE AND FEDERAL MINIMUM WAGES STATE AND FEDERAL MINIMUM WAGES The federal Fair Labor Standards Act (FLSA) establishes minimum wage and overtime requirements for most employers in the private sector

More information

STATE FRANCHISE DISCLOSURE AND REGISTRATION LAWS

STATE FRANCHISE DISCLOSURE AND REGISTRATION LAWS STATE FRANCHISE DISCLOSURE AND REGISTRATION LAWS 2015 Keith J. Kanouse Kanouse & Walker, P.A. One Boca Place, Suite 324 Atrium 2255 Glades Road Boca Raton, Florida 33431 Telephone: (561) 451-8090 Fax:

More information

All Approved Insurance Providers All Risk Management Agency Field Offices All Other Interested Parties

All Approved Insurance Providers All Risk Management Agency Field Offices All Other Interested Parties United States Department of Agriculture Farm and Foreign Agricultural Services Risk Management Agency Beacon Facility Mail Stop 0801 P.O. Box 419205 Kansas City, MO 64141-6205 15, 2011 INFORMATIONAL MEMORANDUM:

More information

FHA Manual Underwriting Exceeding 31% / 43% DTI Eligibility Quick Reference

FHA Manual Underwriting Exceeding 31% / 43% DTI Eligibility Quick Reference Credit Score/ Compensating Factor(s)* No Compensating Factor One Compensating Factor Two Compensating Factors No Discretionary Debt Maximum DTI 31% / 43% 37% / 47% 40% / 50% 40% / 40% *Acceptable compensating

More information

ADDITIONAL REQUIRED TRAINING before proceeding. Annuity Carrier Specific Product Training

ADDITIONAL REQUIRED TRAINING before proceeding. Annuity Carrier Specific Product Training MN Life REQUIRED CARRIER SPECIFIC TRAINING (CST) INSTRUCTIONS Annuity Carrier Specific Product Training and state mandated NAIC Annuity Training (see STATE ANNUITY SUITABILITY TRAINING REQUIREMENT for

More information

Compliance State Guidance

Compliance State Guidance Overview This document is intended to provide guidance and clarification regarding state specific requirements and disclosures in order to target issues identified through state examinations. Please contact

More information

Installment Loans CHARTS. No cap other than unconscionability:

Installment Loans CHARTS. No cap other than unconscionability: NCLC NATIONAL CONSUMER LAW CENTER Installment Loans WILL STATES PROTECT BORROWERS FROM A NEW WAVE OF PREDATORY LENDING? Copyright 2015, National Consumer Law Center, Inc. CHARTS CHART 1 Full APRs Allowed

More information

Eligible Mortgage Loans. Client Guide Chapter 2

Eligible Mortgage Loans. Client Guide Chapter 2 Eligible Mortgage Loans Client Guide Chapter 2 Gateway Mortgage Group, LLC Correspondent Lending Division Client Guide Rev. 12/06/2018 TABLE OF CONTENTS Chapter 2 Eligible Mortgage Loans General 3 Qualified

More information

Real Estate Agent Program

Real Estate Agent Program Real Estate Agent Program Our Mission Alterra has always had one goal: Building Wealth Through Homeownership. As families prepare to take the next step towards homeownership, we re ready to meet the demand

More information

Pedicab Companies. Commercial General Liability Application

Pedicab Companies. Commercial General Liability Application Pedicab Companies Commercial General Liability Application All questions must be answered in full. Application must be signed and dated by the applicant. Applicant s Name Agent Applicant Mailing Address

More information