text:
Greenlight Loans
Consumer Complaints and Reviews
This very credible review comes from an experienced couple who have obtained mortgages across the country with many lenders. And by the way, we have an excellent credit rating and paid almost $500K cash for our current home. Anyone wishing to use Greenlight Loans as your mortgage broker had better think twice. Beware that they make up their own rules, which far exceed Federal mortgage lending guidelines. Earlier this year (January-March 2016) my wife and I struggled with them to get a mortgage loan approved, and after endless rounds of paperwork submittal and resubmittal (of the SAME paperwork), we decided to simply pay cash for a new home in Orlando, Florida.
Please consider the following: Gross incompetence; Kept asking over and over again for the same documents; Unconscionable time-frame required to get a loan approved. It is honestly like they were looking for excuses NOT to approve our loan! Kept changing the requirements after we had done a refi with them several years ago; Required a ridiculous letter justifying our move from one state to another, stating our reasons for the move.
I have read so many of these negative reviews and I sure wish I had done so prior to applying to refinance my mortgage; which by the was being serviced by Nationstar! Nationstar took over the servicing of my mortgage about 3 years ago. Since then, I too have been bombarded with offers to refinance my existing loan. My loan was 10 years old and had an interest rate of 7.25. That's a lot now and it was then but back 'in the day' you could get a Stated Income loan by paying a higher rate. Bringing my payment down about $500 would be a blessing to me because I am on a fixed income. My FICO was 720-740, LTV 68% and I have never missed a payment! Slam dunk! right? WRONG!
It sounds perfect when you speak to your loan officer and everything goes according to plan until the call for the appraisal. Because laws have changed regarding appraisals (at least in Texas) the buyer nor the lender can choose the appraiser. Guess they are just lumped into a pile and it's anybody's guess! Appraiser came out 1st week in June. Waiting... waiting and still no appraisal was submitted after 3 weeks. I requested that they hire another appraiser because time was wasting. They didn't, but they (they being Greenlight) asked if I would call him and see what was going on. After several attempts, I got a text saying "oh gosh. Sorry I never finished it. My bad." Really!!! Of course this really wasn't their fault so 7 weeks later the appraisal arrives. Bad appraisal but still fits the criteria and I was still good to go.
And of course at the beginning they say it will take 30-60 days at the most to close. So I held off making the payment in the July long enough to find out we couldn't close then of course I made the payment because I wanted to protect my credit score. All of this began in May of 2016! And I'm not going to bore you with the underwriting details and excuses because clearly all of you have first hand experience.
As I stated earlier, I am on a fixed income with some rental property income to supplement, so of course I'm holding out each month as long as I can hoping to close before I have to make another payment, looking forward to that two month respite without a payment, but I always kept the money at hand to make the payment before I became 30 days late. After all the back and forth and all the bullcrap I finally signed the closing documents at an affiliate title company for Greenlight in Giddings, Texas on Friday September 23, 2016! Thank God and Greyhound it's done! But NO!! Every day I would contact Ronney, processor with Greenlight and ask 'are we were still ok. Are we going to fund?' "No problem, you'll be funded by Wednesday September 28 and your loan will be paid off and you won't have to make a payment till November 1, 2016." Phew!! Just under the wire.
So, yesterday September 29, six days after I signed closing documents, and believing that surely I must have funded and I could put that September payment I had been holding toward the repair on my truck. My tires were old and slick and I was a danger to myself and others should a blowout occur. Discount tires installed my tires the morning of September 29th. Less than 3 hours after I had spent the money on those tires, I got THE CALL! The loan could not be funded because the funding agent noticed it was a 'cash out refi' and according the powers that be at Greenlight, the cash to borrower amount exceeded Government requirements for the state of Texas.
Hell! I never asked for cash out! I just wanted to refi my loan. It wasn't my mistake, it was their mistake but guess who is suffering the consequences for their mistake. ME! I insisted they pay my payment for me, or at least grant an extension while they redrew the docs. "Sorry we can't do that! And if you don't pay the payments like you are obligated to do, you will be 30 days late, it will go on your credit report, AND you will no longer be eligible for the loan!!"
After 10 years of never missing a payment, they have destroyed in less than 24 hours, the very thing I have fought to maintain since my husband was killed. I have no other resources and the little I have in the bank won't cover the mortgage and even if it did, I would have nothing to pay my other bills, or buy groceries or gas! So either way I'm screwed! They said it wasn't personal! Well, it's damn sure personal to me! And the manager had the audacity to ask me to please not curse! Guess what I said?
Worst service ever! Don't have a clue what they are doing. Requesting the same documents multiple times. Don't know the process. Act like it's their first loan. Wish I had read the other reviews and picked another company. Called 7 different people at their company after I received an email to push the close date out a week (no notice, just an email) - all voice mail - took hours to get a return call. Don't use these guys. Screwed up my closing. Had to reschedule the movers due to their incompetence.
It is unfortunate to see all of the negative reviews regarding refinancing through Greenlight Loans. However, I have a positive review. Kudos for two people, Ryan and Janice and all others that may have contributed in my smooth process during my refinance. I am a current Nationstar client and I must say, my refinance process was completed less than six weeks. Awesome experience. GO GREENLIGHT!
I should have read the complaints submitted here for Greenlight Loans, as my experience resonates with the negative reviews posted here. I went into a recent home finance a little naive, thinking our last refinance was a piece of cake (different lender) and all mortgage refinance companies are the same. Also, we haven't had anything negative to say about Nationstar mortgage and these guys are affiliated with them, so they have to be alright. Well, not so much.
In total I received over a dozen emails from underwriting that were proxied through our contact person, scattered over a 7 week period, asking for additional documentation in piece-meal format. The experience was comparable to working with someone who has never processed a mortgage refinance before and doesn't know in advance what to ask for. The reason why they get one star for me is because the sales associate I worked with on the front end was courteous and professional, but the underwriting department did them no favors.
At the end of the 7 weeks, I felt like I was no closer to completing the refinance process than I was winning the power-ball lottery. Also, to qualify my position on the refinance for this review, my credit score was north of 770, with a 0 balance on all of my credit cards, and I had an LTV ratio of 68% in the home I am refinancing. Dealing with Greenlight Loans was a poor experience, and I will never use them again or recommend them to anyone.
How do I know I can trust these reviews about Greenlight Loans?
- 694,519 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
For more information about reviews on ConsumerAffairs.com please visit our FAQ.
My experience with Greenlight loans was absolutely positive. I was extremely impressed with Jack **, who patiently explained the process and answered all of my questions. He remained in constant contact with me throughout. I was also very pleased with Jorge **, who handled the approval and final paperwork. This was a very smooth and simple process.
Financed insurance for our company equipment, paid a very large down payment as well as an escrow payment. Found insurance for a much better rate and cancelled the policy. I learned that we had to pay a 5.7 % unpaid premium short rate and all our down payment went to pay them for services we did not get... Think twice... these people are rude, rude, rude when you call. Avoid. Large money losses. Go somewhere else...
They call me to offer me coverage on my car. I respectfully said "I'm not interested." They keep changing their offer. I keep saying "I don't want coverage." Then their "financial manager" who was talking to me starts arguing with me! Saying "Good luck with your car when it breaks!" They are incredibly rude and unprofessional. I do not recommend them to anyone! Avoid them at all costs!
I am real estate agent located in the Summit County area of Ohio. Greenlight listed a property for $274,000 when the original owner bought it for over $500,000 five years ago. You could imagine the traffic this property had when it went up on the market. Within 4 days on the market the property had over 11 offers well above asking price. Greenlight then tells the listing agent to inform all agents with offers that they would be sending to Auction. In the future Greenlight let's not waste our time and your selling commission sucked (1%).
To set the stage... I have great credit and have owned my home for 10 years. In order to avoid an appraisal I wanted to take advantage of an offer from my current mortgage company to refi at a lower rate with no appraisal needed and little to no closing costs. According to them it would be a simple process since I met all of the requirements. I also wanted to update my last name to my married name. The name change should have been a piece of cake since I was the only one on the original loan and I was not adding my husband to the new loan. After speaking with a local Real Estate Attorney, it would just require a simple name change affidavit with my marriage license.
Come to find out, the refi would be processed through a "partnered company", called Greenlight Loans. Long story short, I should have quit after the first attempt to close. However, I thought it was best to just power through with them since it was still a " Nationstar" company and it would allow me to avoid having to provide an appraisal. My experience led me to deal with uneducated representatives, when it comes to real estate practices and proper protocol, that would have ended up with me having to pay a large amount in "gift" taxes due to something they told was required to change my name.
They were unreliable and I felt communication was inadequate. Fees were not justified clearly and overall, it was a lengthy waste of my time that got me nowhere. After almost 3 attempts to close and 3 and 1/2 months of their unorganized and uneducated protocol, I have still not refinanced and will have to go to another company. I know, I should have pulled the plug after the first attempt. I know now! NEVER USE GREENLIGHT! They do not know what they are doing. Use someone you trust and go local!
Started refinance 9/1. They already owned the mortgage. Continuous resubmission of various paperwork. Asked question from a previous marriage that happened 25 years ago but my mortgage was only 15 years old. We had a drop ceiling that I took partially down for added zones for a new furnace. We replaced the appraiser took picture and saw the ceiling tiles hanging down and wanted them completely removed. Once done they had to take pictures again. I had to pay for another appraisal. Took forever to schedule. Canceled refinance 12/18, went to Quicken Loans 10/1 closed 12/18. You do the math.
These guys need to change their name to REDlight loans. 3 months later, loss of my earnest money (3 grand), plus... associated fees with surveys, inspections, etc, closer to 4 grand, primarily for dragging their feet, sellers got fed up with waiting and giving extensions and pulled the plug on the contract. These people are just plain extremely bad news. How many closings have you been to where it took 3 months to get an answer... and then lose everything?
In the time that all this took place, 2 1/2 months later I retired from work and my income changed. I did, I did, I did suggest that I would put in more cash as a down payment in order to compensate for the income difference. Their rep. told me it was not needed. Three months on then it all came crashing in... I have since got re-qualified and my banker doesn't seem to have a problem with my finances. In any event, lost money and precious time not to mention the house that I needed... REDLIGHT... never again.
We had nothing but hassles and problems with Greenlight. They had almost 7 weeks to process our loan to meet the close date they knew about. They were late meeting our closing date that then created mess for us. Now, Karen ** who is the Purchase Processing Manager (**) has gone back on her original offer to compensate us $100 for our troubles. Of course she did - the loan has since closed and they have their money so why worry about an unhappy client?? They are unprofessional, incompetent, and liars! Stay away from Greenlight Loans!
As a real estate agent, we try and help and direct customers to the best possible resources. Unfortunately this customer chose to use Greenlight mortgage. After over a month the customer was finally fed up. The contract had actually expired and we did get it extended. Of course the seller was extremely agitated and this did help spur on the buyer. I even had emails and conversations with this loan contact person. That is what we call, in our office.. " bobblehead". I always try to encourage my customers to use someone locally. That way if a problem does arise you can make a personal trip to their office Plus you may already have a working relationship with this company / person. As far as green light goes, I think of the old song Grandpa Jones sang on Hee Haw... Agony and despair!! And they didn't deserve the 1 I had to give to submit this review. They had a real problem with telling the truth. About anything.
I have been working on this refi for months. They wanted me to pull the mortgage out of my trust, which I did and did a quick claim deed. This was notarized, prepared by my Attorney and sent to the recorder along with my preliminary change of ownership, doc transfer tax affidavit sent to assessor - county clerk recorder. Greenlight loan wouldn't accept because the date was not written in box but under it. Even though the date was by my name, signed and dated by notary. Also CA does not require marital status for quick claim deed. Greenlight then wanted marital status resend with my name on quick claim deed. Still wouldn't accept and now want the entire copy of my trust. So they can prepare the deed themselves.
My notary, Attorney and recorder's office says they are off the wall. They also would give me no price for fees title search or closing costs. Now they have all my records, bank statements, tax and on and on. I have a fico score of over 800. They want me to close my credit cards to get any money for cash out. I have had theses excellent credit cards for 20 years. This is ridiculous. Not even a great rate or lower monthly 98 dollars reduction and 4.5 to a 4.1. I think I can do better and one that follows California state law. Watch out from this company. Think I will be using another company that offers a 3.5 with my fico no problem with cash out. Will send the check to me and can pay whatever I want and keep my credit cards. I sent them so much don't feel about sending my entire trust. Even after pulled out and notarized, Attorney and recorder still not satisfied. Gosh after reading these other reviews I think this is a company not to be trusted or work with.
This is the third time I have refinanced a house and is the worst experience ever. They solicited me through one of their junk mailings and I regret calling them. The underwriter asks for documentation I've already sent plus documents that are on my credit report. Can't they just take that from my credit report instead of bugging me? The time lapsed on the application and they sent out another e-sign form. Guess what... the fees increased $1500. Do yourself a favor and stay away from this company.
I've just emerged from five months of hell dealing with Greenlight Loans. DO NOT DO BUSINESS WITH GREENLIGHT LOANS -- you will regret it. It started when I responded to one of the pieces of junk mail I received from them each month about how I could reduce the interest rate on our condo mortgage. It is now about 6.75%; they promised to bring it under 4%. This was in late May. First call was promising. Joseph was helpful, sharp, took my information efficiently, and assured me that given my income and credit score a refi should go smoothly, with minimal documentation and hassle. Boy was that inaccurate.
From that point forward, dealing with Greenlight was a nightmare. The demands for more documentation were constant. The lack of communication from them was exasperating. One roadblock after another presented itself. We had to nag them via email at least once a week to find out where our loan was. Each time, we got a response (two days later) that the "underwriter needs more documentation." We wanted to take some cash out. They asked us how we intended to spend the money (I was tempted to tell them to sod off, but I didn't). The underwriter then insisted that we use the cashout to pay down some existing credit debt. We said, "Fine." That's mostly why we wanted it anyway. They said they would send our cashout as a series of checks made out to our various creditors. We said, "OK fine." That was in July.
Weeks go by. I contact Greenlight again. Now I discover that the underwriter is waiting on a report from our HOA. Has been waiting for it for two months. "WHY DID NO ONE TELL US?" I asked. No answer. We said, "Fine." We paid our HOA $200 to rush out this report. Weeks go by. We contact Greenlight again. Now the underwriter wants to see copies of our business licenses. Because having all our tax records, pay stubs, W2s, bank records, and credit reports just isn't enough for them. Find out our loan is "with the underwriter" who is still trying to decide whether to approve it. Just sitting on her desk, apparently. Every week we inquire. Same answer. Then Greenlight says "the underwriter turned it down, so we are trying to restructure your debt." "OK," we say. What the hell does that mean?
Two weeks later I contact them again. Now it's September. And they say "No," they can't do our loan because our condo "is in a commercially zoned district." Something they apparently just discovered NOW, four months after my initial contact? Like it just occurred to them to check? Personally, I think this answer is **. They turned us down because their underwriter is pathologically insane, and they got tired of hearing from us. I feel like I've been scammed out of all my personal information -- not to mention the $500 appraisal fee and the money we had to pay our HOA. A poster above had it right: These guys are pathological. NEVER DO BUSINESS WITH GREENLIGHT LOANS.
Very bad experience with this company. My loan took months to get finalized, communication with this company was horrible. Had to submit and re-submit documents because their process took so long the first set of docs became obsolete. A week before the closing I was told that the lock-in period had expired (because they took so long) and rates had gone up. I was forced to pay another 1/2 percent on my loan amount.
On my fourth acct rep, so far. I'm not sure why I keep putting up with their **! They keep saying the underwriter needs one more little bit of info. We started this loan in February? March? It's September! I have never felt more contempt for anything - not even my ex-wife was this bad. There is so much underlying fear on every level at this place and not a shred of even the simplest level of common sense. Except for Elaine, bless her heart. She actually has been thoughtful and creative, but even she is being unhinged by the "underwriter" and their insatiable need for minutiae.
They asked for mortgage payment statements for the past two months to prove we're current on our payments for two other rental properties not even associated with the property we are applying for refinancing. They have two years of statements already. They wanted copies of signed rental agreements. Now they want new ones signed reflecting the rental increases since the originals were signed. Never mind we have never missed payments on any of our rentals. I am owner and occupant in the other apt duplex. I had to provide not just two months of gas and electric bills like they first asked for. They wanted cable, tax records, and health insurance statements as well.
Convinced I had a friend collecting my mail. I even sent a wedding invitation addresses to me at the address. So ridiculous! Proves nothing. If I wanted, I could Photoshop everything they asked me for and totally make it all up. As if more somehow proves it true. I've signed the same digital documents a dozen times - apparently they've never read them or saved any of the copies they have sent me to sign and send back, as it states very clearly that any false or misleading info is a felony offense punishable by prison and fines. Yet they still require a ridiculous amount of proof I'm not lying. NEVER USE THESE PEOPLE FOR A LOAN. SERIOUSLY PATHOLOGICAL!!!
Four months in, I have gone through almost exactly the same issues everyone else here has been dealing with. E-mail, paperwork lost, another rep, lost, same same same. Do not use! I do not have to go through all the details; just rest assured, you are better off not dealing with them. They will give you the runaround, JJ, Kim, all of them and finally tell you that you may not get approved. While all along, they could have told me this, and I would have avoided the two HARD inquiries on my credit. Do yourself a favor and go with a reputable company.
I was informed by mail that my W2 was "inadvertently sent to an employee of Greenlight" who then forwarded it to their personal email account. When I called, I had to deal with an overseas customer service rep and got considerable runaround. Their letter offers a miserly one year of credit monitoring but the second I see identity I will personally lead the class-action lawsuit against these incompetents. It is beyond unfortunate that a subprime portfolio servicer now carries my A-paper loan in their portfolio and cannot safeguard my personal information. Be warned, if you do a loan with Greenlight Loans, you will be serviced by Nationstar and the last person you will ever speak to on the mainland will be your loan agent. Their internal consumer affairs department is a total waste and it is shameful that they outsource good American jobs to India.
I applied for a refinance, submitted all the requests from the underwriting team. About a month goes by they came back and stated there was a late payment and could not approve. So I canceled the process. Then a few days later the loan officer contacted me. Said if I show $10,000.00 in liquid assets savings, 401k, etc. the loan can be approved. I showed bank statements and a 401k that met the requirements requested. A week later they said we tried diligently to get underwriting to approve but could not because of a late payment, which I presumed was waived after my initial cancellation. "Deception" at its best.
Started off very excited to refinance my home at a better rate. About 1/2 way through the process the customer service started going downhill and they stopped calling and emailing me back. I thought I was the customer? Aren't I paying them for a new rate? Anyways, I will never do business with Greenlight Loans or an affiliate of theirs. There are plenty of mortgage institutions that will treat you better.
After a pre-approval, there was a two week delay before an appraisal took place. The appraiser they sent was unfamiliar with the area, and gave our home a low value. After another three weeks of asking for additional forms, copies and letters, the loan was denied due to the appraisal. Their slow moving processes and lack of integration wasted not only their time and mine.
I was alerted by Credit Karma that my credit score had changed. Apparently Greenlight Loans made a HARD check of my credit score which caused my score to go down. I did NOT apply to them or anyone recently for a loan or a credit card. I am trying very hard to bring my score up and now they have cause it to go down because of this HARD check. I want them to fix this asap. If you could help me to make them pull that HARD check off my record I would greatly appreciate it. Thank you.
They are working with us now on what needs to get done to go to closing. I know they work hard. People just need a little patience.
Original Review
Lenny was great. My brother was approved for a loan. Well, that was the only good person there. We've been through 3 closing coordinators. Put $1000 down on a house. Got homeowners insurance. The problem? We were constantly faxing the same documents over and over again. We actually were suppose to have closing today. Greenlight was suppose to fax their paperwork - that's what the closer told our agent. They never did. We packed. We had a truck ready to go. We had our friends ready to go. What a joke. PLEASE PLEASE PLEASE don't use this company and go through what we went through.
Received an offer in the mail to assist with refinance of our home. After initial consult was sent representative who was nice and helpful. But, he keeps telling underwriters need more paper and more paperwork, it becomes endless. Even after I was told I was approved twice they call and say they need more paperwork. Takes almost 4-5 months.
Finally the Managing underwriter pulls my approval after everything is done over an issue that was disclosed on the first day. They originally said it was no big deal and approved the issue. After the loan was yanked Supervisor called me and told me information that was false but I called him on it. (He said there were liens on the property, and that was why the loan was pulled and it was title company that disapproved it. Title was clean. There are no liens on my property.) After I called him on it, he admitted there were no liens on the property. In short my recommendation is Do Not Use this company. Do not believe the things that they tell you. I wish there was rating lower than one star because that is what they deserve. I hope someday this company gets in trouble for the things that they do.
I received a pre- approved offer to refinance my investment property. The process took months and just before scheduling the closing I was told I had to pay a shortage amount after being told there would be no closing costs. The biggest issue wasn't the closing costs but that my pymt doubled! Even with the monthly rent I would have to pay over $300 out of pocket to make the monthly pymt. They have my income and know there is no way I could afford that. Now I am forced to do a short sale. Unethical practices is what cause the crash in 2008 - didn't they learn from that?
My husband and I received a notification from NationStar Mortgage that we might be able to refinance our existing loan, and they followed up with the contact information to Greenlight Loans, a subsidiary of NationStar. We responded and went through the initial process of applying. Having not refinanced since the real estate market crash after 2008, we were shocked at the seemingly "jumping through hoops" and never ending scrutiny from department to department, in our estimation, to get a simple refinance.
We continued to furnish documentation after documentation, all the time wondering if ever there was an end in sight? Then upon reading all the negative reviews about Greenlight Loans, we began to be impatient and question both the loan officer and the closing coordinator. We became somewhat testy and even confrontational. However, both of the aforementioned parties remained constant and steadfast, taking us step by lengthy step to finally closing last week. The process effectively took three months from start to finish.
If I could offer some advice to those of you who are contemplating refinancing: 1.) Realize that the process that was prior to 2008 for refinancing does not exist anymore; there are now a monument of government regulations that have made the process so lengthy. 2.) Understand that it is very possible that your loan officer and closing coordinator are not aware of how the process was so different prior to the real estate crash. 3.) Work with the loan officer and coordinator even though you might think they are dragging this out for no reason -- they really are caught in the same jumping through hoops as you are.
4.) Furnish every piece of documentation for which they ask in a timely manner regardless of your feelings of why this piece of information might be necessary. 5.) Stay positive as there is a light at the end of the tunnel if you are honest and forthright with your responsibility as the consumer asking for the loan. Yes, I would recommend Greenlight Loans for a refinance; I also would caution all who are requesting a loan to heed the above advice. I have to say, Thank you to Greenlight Loans for sticking with us and giving us a happy ending to the process.
I am already a client with Nationstar/Greenlight Loans. I've never been late on my mortgage payments. My FICO score is over 800. This company is the biggest blowhards I've ever dealt with! I received a letter about 6 months ago stating that I'm already pre-approved to refi for a lower interest rate, and guaranteed closing within 30 days or I would receive a check or credit of $250.00. The first salesperson took all info to get the refi process started. Then I had been put in touch with another "rep" and from this point she would be the one that would contact me if any add'l information the company would need. That rep was "removed" from the company for not doing her job... then I was put in touch with a "manager" lol.
The 1st rep was the best person in the company I've spoken to. At least she would keep me informed on the process AND SHE RETURNED phone calls (she didn't seem to make fake or assumed statements). My appraisal came in higher than the amount I was requesting. I wanted to lower my interest rate plus a little extra $$$ (to pay off bills and/or whatever's). After leaving many messages and getting a response once in a while, I'm done with this! I've put up with enough baloney **! I told the manager "**" just go ahead and send me the $250.00 plus $350.00 that I was promised (from **) because of the many delays and hassles (customer care). Then "**" had told me that letter is only good if I'm approved??
I've got it in writing and I'm already pre-approved. I had given every piece of additional info that's been requested. I've been told 2 (or 3 times) already the closing was going to be on that Saturday... I'm confused which Saturday of what year?? This is the worst company that I have dealt with in many years. For some reason the manager "**" doesn't return calls or advise you of any questions or requests that underwriting has come up with again and again. Once in a while I could reach ** (I would use another phone or block caller ID). I would receive more "stories" like underwriting said loan to ratio is too low, and I need to use the extra money to pay off my car. "Hey... that's fine with me" and/or underwriting is finding out what the bal $$ on my existing loan is and I will call you right back.
So... I wonder now what is the next question or request. And reading all these bad comments from others, isn't there anyone that is able to start a class action lawsuit against this worthless company for wasting our/my time? I would be embarrassed to work for a company like this. At this point, I just want the money that was promised to me. And I hope and pray that my current loan gets sold or that I sell my home and get away from these bottom feeders. I will NEVER use this company again! Oh... I sent copies of letters to ** from other companies requesting they want to refi. ** said don't believe those other companies they usually have additional fees and options... :) You've been told... go someplace else and don't waste your time here!
Updated on 07/23/2015
I just received ANOTHER 'pre-approved' letter from Greenlight Loans/Nationstar, EXCEPT this one states $500.00!! I still haven't gotten the $250.00 guaranteed 30-day closing prior one closed that started in January. And last week I found out that Greenlight/Nationstar ran my credit report again.. I didn't request it. I called last week and again promised a return phone call from the managers, manager... Still not received that call. And I'm still their customer!! Perhaps, they are avoiding this new closing because I am currently paying a higher percentage of interest. Hummmmm.. I'm a great customer and currently paying 6.275 interest. Why would they want to lower my interest rate??? Don't they realize it maybe lower as a monetary stand point monthly, however, I would go back to a 30-year mortgage AND be a happy "existing" customer??? Don't waste your time with them!
Greenlight Loans Company Profile
- Company Name:
- Greenlight Loans
- Website:
- https://www.greenlightloans.com/#/home/quote


text:
I noticed that poweramp automatically plays sound effects from apps that I've downloaded. I find this very annoying and have not found a way to remove these. How do I stop poweramp from doing this? Also it doesn't download tracks I've bought off of Google play. What gives?
post #1 of 4
11/10/13 at 2:06pm
Thread Starter

subset: commoncrawl


text:
Event: Bollywood's dusky beauty Bipasha Basu was snapped unveiling the Spring Summer 2013 collection of a reputed brand. Celebs like Purab Kohli, DJ Aqueel were also spotted at the event
Guest List: Bipasha Basu, Purab Kohli, DJ Aqueel
Bollywood celebs Kangana Ranaut, Vishal Bhardwaj, Randeep Hooda, Aanand L Rai, Vikas Bahl, Vidhu Vinod Chopra, Anupama Chopra, Prasoon Joshi among others were snapped at the special screening of RANGO...
Bollywood celeb Adah Sharma promoted her upcoming film COMMANDO 2.
Bollywood celebs Riya Sen, Kyra Dutt, Gulshan Nain, Vivek Vaswani among others were snapped at the special screening of LONELY GIRL.
Bollywood celebs Ranveer Singh, John Abraham, Kiran Rao, Manyata Dutt, Poonam Dhillon, Baba Siddiqui, Shekhar Suman comes out to vote.
Bollywood celebs Varun Dhawan and Alia Bhatt were snapped at Mehboob studio.


text:
About Jaq
Jaq is a marketing writer by day and a hopeless horror/urban fantasy nerd by night. (Other hobbies include tree climbing, campfires, and experimental cocktails.)
Check out Jaq's other work at JaqEvans.com, or get connected on LinkedIn to discuss enterprise IT and coffee so strong it's practically sentient.
Posts by Jaq Evans
ExtraHop's Miracle Elixir (It's Good for Your Healthcare!)
- January 4, 2017
- Posted in Tech
ExtraHop's latest eBook explores Healthcare IT's top three pain points and how to solve them.
ExtraHopping in AsiaPac
As many countries embrace IT innovation in healthcare, improving patient care should remain the universal goal.
You Don't Have To Understand Wire Data To Benefit From It
Everything about our lives relies on networking technology. You don't have to understand it, or even know about it, for wire data to benefit you.
Virtual Reality, ExtraHop, and VMworld 2016
- August 21, 2016
- Posted in Company
Come see how ExtraHop and VMware work together at VMworld 2016, and get a chance to win an HTC Vive VR rig!
Real-Time Operational Intelligence at Cisco Live
- June 28, 2016
- Posted in Company
Imagine you're in the mood for a tall, cold glass of water. (Bear with me.) You turn on the faucet, and a strong flow rushes out. You raise your cup to your lips, but you have to wonder: is the water…
ExtraHop Sweeps Up at Citrix Synergy
- May 30, 2016
- Posted in Company, Ransomware
Whether you were at Citrix Synergy last week, or just heard the cheering all the way from our Seattle headquarters, you may know that ExtraHop had a particularly good time at the show. Our wonderful…
ExtraHop is on the shortlist for two Best of Interop 2016 awards!
ExtraHop has been named a finalist in two Best of Interop categories this year! See why we're up for both Networking and Performance, Management & Monitoring categories.


text: Seller: plhantiques (2,160) 100%, Location: Spartanburg, South Carolina, Ships to: Free Local Pickup, Item: 172425656317 4709. This is an amazing door. it was original to an old house when I bought it to rent out. So I removed and replaced the door with another one thinking it would not last long with renters. the odd thing was that this door was the downstairs bathroom door. the carpenter had to fill in some space so that a regular standard interior door would fit the empty space. the door was stunning in the old house as the window gave the light through it and the bathroom was so bright with sunlight. Now that said, the frosted glass is very ornate. the first picture shows the Palmetto Farms Words , then the second one the entire door, the third shows the bottom part of the glass, the fourth shows the middle part of the glass and the next one is the top of the glass again and then other random photos. there are no cracks or holes in the glass and the frosting is in very excellent condition--not worn or scuffed off. the very ornate designs are somewhat like large pineapples, with the distinctive unmistakable Greek Key design around the perimeter of the glass and then other small pretty flower-like designs. one photo shows the sun through the frosting. the wood door is in fine painted condition. I do not know what kind of wood it is because it is painted. I can a few unpainted places where the door knob goes and the place where the lost hinge went. there is only one hinge on the door and no door-knob or hardware. the door is extremely heavy. it takes two to carry it, so it could be white oak because the unfinished wood that I see is to the light wood color. I have called this door an antique Victorian door but given the Greek Key Design it could fall into the Neo-Classical or Art Nouveau years. it is just very pretty whenever the year it was made. LOCAL PICK UP ONLY. SHIPPING CAN BE ARRANGED BUYER PAYS ALL SHIPPING AND INSURANCE COSTS'. Usually I sell only antique and vintage items not new items. Thank you, plhantiques S & H CHARGES: PLEASE WAIT FOR INVOICE BEFORE PAYING, THANK SHIPPING DETAILS YOU. I USUALLY ACCEPT MOST REASONABLE OFFERS IF YOU NEED TO RETURN AN ITEM REMEMBER- A KIND WORD GOES A LONG WAY FOR A SMOOTH RETURN. THANK YOU. I DO NOT MAIL ON SATURDAYS. NOTE TO OVER SEAS SALES: I am not responsible for any added on postal fees after an item leaves the United States air space those fees then become the buyer's responsibility not the sellers. Thank You. Payments must be received within 5 days of the end of the auction. If you are not completely satisfied with your purchase please contact seller within 24 hours of receiving package to begin complete refund process excluding shipping. Please read full listing before bidding on auction. We accept Pay Pal. Other payment arrangements may be considered with seller before auction ends. Email seller for international S&H charges before auction ends. For U. S. sales I ship with a Confirmation Tracking Number for the Buyers and the Sellers Protection. NOTE: MY FURNITURE IS FOR LOCAL PICK UP ONLY, HOWEVER, ARRANGEMENTS CAN BE MADE FOR SHIPPING AND THE BUYER PAYS FOR ANY AND ALL SHIPPING & INSURANCE COSTS. FURNITURE BUYERS FOR LOCAL PICK UP PLEASE FEEL FREE TO PREVIEW AND INSPECT ITEMS BEFORE PAYMENT IS MADE (DURING THE FIVE DAY PAYMENT PERIOD) AND YOU WILL THEN HAVE THE OPPORTUNITY TO CANCEL THE SALE IF YOU ARE NOT COMPLETELY SATISFIED.. Condition: antique used fancy ornate glass Panel see full description below. Must see beautiful and custom made., Color: White, Maker: unknown, Material: wood & Glass


text:
we like to play hard..how about you? Wanna play? firstname.lastname@example.com
Fun with christine
My hot wife dressed up wearing a fishnet body stocking showing all
Photos of the wife wearing a fishnet body stocking
My sexy Asian wife wearing fishnet body stocking outdoors exhibition
Two sexy stripper friends fooling around in fishnet body stocking
Fancy Nancy Loves Posing For You In Fishnet Body Stocking
Busty hot mom in red lingerie and black fishnet body stocking
sexy friends wife wearing a body stocking and flashing her bits
Gorgeous brunette with an amazing body to savour
Amateur beauty naked in log cabin and wearing body stocking back at home
My sweet gf in fishnet bodystocking so sexy posing
Love bitch wife Ani in black and sperm on body sexy body stocking
shy girfiend SALLY in thight high boots and body stocking
My wife Maka calm warmth with yellow dildo fishnet body stocking
42 year Milf in body stocking osing for amateur adult home pictures
New private photos of my pregnancy where I expose my body waiting my ration of semen 2 of 2
New private photos of my pregnancy where I expose my body waiting my ration of semen 1 of 2
Wanking material
Becky Lawson from Minn and Washington likes to spread herself around
Wife For Enjoyment
New set of pics where I spread my black stockings and more 2 of 3
waiting for some action
Masturbating in front of strangers in public with a big fucking dildo
Leditanya personal porno foto super wives wearing body stocking
Respectable Suburban Housewife Sex
Hot babe with very nice boobs is a fucking tease
Amateur porno model masturbation with sex toy wearing body stocking
Just bi me
Sexy Keira showing off naked so you can enjoy please do
Play Time
My wife
my new fishnet bodystocking


text:
- Quick Charge Wirelessly. Provide you fastest charging speed around DV 5V/2A or DC 9V/1.3A, instead of standard 1A wireless charger. It only costs about 2.5 hours to fully charge while the common one takes up to 4 hours, making it 1.4X faster and save a lot charging time. Note: The specific charging time relates with battery capacity.
- Two Charging Modes. Fast Charging Mode with Green Breathing Light for Samsung GALAXY Note 5/Note7/ S6 Edge Plus/ S7/ S7 Edge; Standard Charging Mode with Blue Breathing Light for QI enabled phones or other phones with an additional wireless charging receiver(not included). Note: Please use QC 2.0/3.0 or Samsung original adapter and cable for fast charge.
- Sleep-friendly and Humanized Design. No beeps. The LED light will automatically turn off after working 5seconds, making it perfect to use in a bedroom without annoying light.
- Upgraded Cooling System. Designed with ventilation holes on the side, this wirelessly fast charger offers better heat dissipation than its rivals. The rubber feet on the bottom to prevent it from slipping and the panel, with comfortable texture, is also anti-slip.
- Safety Protection. The built-in over-voltage, under voltage and short circuit protection guarantee safe charging and protect your phone.
VicTsing Wireless Fast Charge Charging Pad
Get a Quick Charge via Wireless Charger, 1.4X Faster than the Regular Wireless Charger.
Fast Charging, Stable Performance
Charge your QI-enable phones without cable and the wireless charging transmission is about 8mm.
No Disturbing, Sleep-Friendly
The humanized LED breathing light will turn off after working 5 seconds without disturbing light while many other wireless chargers always keep the light on.
Please Make Sure the Compatibility Before Purchasing:
Device support fast wireless charging:
-Samsung Galaxy Note 7, S7, S7 Edge, Note 5, S6 Edge Plus
Device support standard wireless charging:
-Samsung Galaxy S6, s6 Edge,
-Dorid Turbo, Moto 360 Smart Watch, Moto Droid Maxx
-Google Nexus 6 / 4 / 5/ 7(2013)
Device need extra receiver:
-Samsung Galaxy S5, S4, S3, Note 4, Note 3,
-iPhone 6/6Plus/5C/5S/5/4/4S
For fast wireless charging, please use QC 2.0/3.0 or Samsung original adapter and cable as its power source.
Package Included:
1* Wireless Charger
1* Charging Cable
1* User Manual


text:
Ceramics And Pottery
Garden Sculpture
Water Features
Figurative Sculpture
Homes & Business
Sculpture Exhibitions
Sculpture Galleries
Abstract Garden Sculpture
Bird Bath Garden Sculpture
Bird Feeder Sculptures
Bird Font Sculptures
Fountain & Water Feature Sculptures
Garden Arbour Sculptures
Garden Arch Sculptures
Garden Bench Sculptures
Garden Bird Sculptures
Garden Chair Sculptures
Garden Chineese Pagoda Sculptures
Garden Fountain Sculptures
Garden Furniture Sculpture
Garden Gate Sculptures
Garden Gazebo Sculptures
Garden Lighting Sculptures
Garden Obelisk Sculptures
Garden Ornament Sculpture
Garden Ornaments
Garden Pergola Sculptures
Garden Plant Sculptures
Garden Planters
Garden Plaque Sculptures
Garden Plinths
Garden Porches
Garden Pots
Garden Screening
Garden Sculpture Benches
Garden Sculpture for Climbing Plants
Garden Sculpture Ornamental Plant Supports
Garden Sculpture Plant Cages
Garden Sculpture Plant Supports
Garden Statuary Sculptures
Garden Swing Seats
Garden Table Sculptures
Garden Topiary Sculptures
Garden Tree Swings
Garden Trellises
Garden Urns
Garden Wall Art Sculptures
Gates and Railings Metal Sculptures
Gazebo Garden Sculpture
Mythical Bronze Garden Sculptures
Ornaments and Pots
Pond Covers
Rusted Iron Garden Sculpture
Sundials Garden Sculpture
Wall Fountains Garden Sculpture
Wall Spouts Garden Sculpture
Water Wall Garden Sculpture
Weather Vanes
Wellheads Garden Sculpture
Window Boxes
Steinworks Sculpture
Sculpture in Stainless Steel and Copper from Steinworks Matt Stein formed Steinworks Sculpture in January 2005. He studied Fine Art at Bristol...
Michael Speller
After a successful career in business, Michael made a "change of life" decision to pursue his ambition to become a sculptor. He studied...
Art For Cure 2016 Glemham Hall Suffolk
Art for Cure 2016 will be held in the magnificent grounds and stately residence of Glemham Hall, Suffolk from Saturday 30th April to...
Audrey Hayes Artist, Designer and Sculptor
Audrey Hayes is a Manchester-based artist and designer who makes wooden sculpture, vessels, furniture and wall pieces. Her unique designs range in...
Ann Hogben Sculpture
Ann Hogben Sculpture Ann Hogben studied Art and Sculpture at Homerton College, Cambridge and has been involved in painting and sculpture for many...
Hatfield House The Great British Sculpture Show 2014
Hatfield House – the home of the 7th Marquess of Salisbury. Season 5th April 2014 – 28th September 2014 The Great...
Martin Hayward-Harris
Biography Martin Hayward-Harris' work has been displayed worldwide and is in several private and public collections including those of: The...
Mount Pleasant Gardens May 2016 Flora And Fauna Sculpture Trail
September 2016 Sculpture Exhibition - apply by 1st August 2016 work to be suitable to be displayed out doors throughout 10 acres of landscaped...
David Harber Ltd
David has won an international reputation for mastery within the fields of sundials, sculptures and water features. David...
David Freedman Sculpture
Garden sculpture and unique artistic wrought iron gates by artist blacksmith David Freedman. David creates hand made garden art sculptures and...
Print-friendly version
Sculptures Home Page
Garden Sculpture
Garden Arch Sculptures
Garden Arch Sculptures
You are viewing results
Metallurgi By Dominic Watts
Metallurgi is run by Dominic and Lucy Watts. We have daughters Tilly and Flori and live near Bury St Edmunds in Suffolk. In 2001 we created a woven hazel turf tree seat around an apple tree in our...
Garden Requisites designers and makers of English Wirework
Garden Requisites are designers and makers of English Wirework. Inspired by original wirework structures from the 19th century, every piece is individually hand made in England using traditional...
Iron Vein
Inspirational and contemplative pieces for the garden and other living spaces, created by designer-makers Viki Govan and Richard Warner. Bespoke metal work sculpture and furniture designed to...
You are viewing results
Clay Sculpture Workshop Dates With Jan Sweeney In 2017
Sat 05/11/2016
CERAMIC SCULPTURE COURSES WITH JAN SWEENEY A.R.B.S. You want to make a sculpture. There is an artist inside you. You have the idea and you...
Art For Cure 2016 Glemham Hall Suffolk Saturday 30th April To Monday 2nd May 2016
Wed 03/02/2016
Art for Cure 2016 will be held in the magnificent grounds and stately residence of Glemham Hall, Woodbridge, Suffolk IP13 0BT from Saturday...
Latest listings
Nikki Browne Glass Design
Studio: ...
Metallurgi By Dominic Watts
Metallurgi is run by Dominic and Lucy Watts. We...
Margaret Williams Wood Sculptor And Artist
Margaret Williams Wood Sculptor and Artist ...
Mark Stonestreet
Mark Stonestreet was born in Singapore in 1971....
Metal Gates Direct
Metal Gates Direct – Supplying Market...
Calberto Metallic Art
Calberto Metallic Art Garden Sculptures Wall...
Timothy Carter Glass Sculpture
Blueweld Metal Art
Welcome to Blueweld Metal Art Blueweld Metal...
Hamish Mackie Spring 2016
Hamish Mackie: Life in Bronze 2016 10 October...
Paul Gilbert Master Blacksmith
Devon Master Blacksmith Paul Gilbert ...
Copyright © THE SCULPTURE WEBSITE 2017
THE SCULPTURE WEBSITE, The Lilacs , Thurston Road , Great Barton , Suffolk, IP31 2PL, United Kingdom
Show map
Web Design
by 7Soft/WSI Yorkshire
Garden Design in Suffolk
| All Part of
My Website Ltd.


text:
Vuelio provides a unique suite of solutions designed with the requirements of all communications disciplines in mind. Our services deliver the intelligence and insight your organisation needs in order to meet its stakeholder management objectives.
Your email will only be seen by the event organiser.
Find out more about how your privacy is protected.


text:
aiimsraipur.edu.in | AIIMS Raipur Sr Resident Exam Admit Card Download Link 2016
New Government Jobs 2016 - Click Here
After the exam answer key to download the same site to use. Gktricks is a private website.Sr Resident recruitment advertising, AIIMS Raipur few days ago was displayed.
AIIMS Raipur Admit Card 2016 - 2017Download AIIMS Raipur Sr Resident Admit Card 2016 - AIIMS Raipur Exam Admit Card Sr Resident can be downloaded from the official site. We are giving the government is aware of the link. Gktricks purpose of the viewer is giving good results .Admit cards to download registration number to use. You can also use your date of birth to Admit Card Download.The Admit Card can be downloaded after the official notification is 40 days. It is estimated.
Download AIIMS Raipur Admit Card 2016 (Via Official Website)
Download Your Admit Card Here
How To Download Admit Card Online (Full Method)
More Jobs By Posts Here :
|Clerk Jobs (27855 Posts)
|Constable Jobs (85058 Posts)
|Assistant Jobs (32521 Posts)


text:
- Worldwide Rank #128,541,502
- Follower/Following Ratio 0.32
- Daily New Followers 0
Helem Ruiz Twitter Stats
@0131Helem - Tracking Helem Ruiz Twitter profile since April 17, 2015
Helem Ruiz's story
Helem Ruiz, also known as @0131Helem has a reasonably significant presence on Twitter and is ranked by us in the 30% percentile for account strength. Active on Twitter since January 2015, Helem Ruiz made it to having a respectable 53 Twitter followers and to being ranked 128,541,502 for number of followers among all Twitter users.
The plot thickens when considering Helem Ruiz's follower-to-following ratio, which is 0.32.
Over the past month, @0131Helem's was hardly active on Twitter, with an average of 1 tweet(s) per day in the past 30 days. That's pretty consistent with a total of 4 since @0131Helem joined Twitter.
This account is tracked by us Only April 2015. As of February 25 2017 we track 271.152.322 Twitter accounts, so feel free to search for other accounts you're interested in and reveal their Twitter story!
Helem Ruiz Tweets
@0131Helem has posted 0 tweets in the last 4 days, which translates to an average of 0 tweets per day.
Helem Ruiz Twitter Followers
@0131Helem has 53 followers on Twitter.
This account is #128,541,502 in the worldwide rank of the most popular Twitter users.
Helem Ruiz Following on Twitter
@0131Helem is following 165 Twitter accounts.
Last month this account followed 110 users.
Helem Ruiz Predictions & Milestones
@0131Helem will hit 51 followers in the next 3 months, and 47 in one year.
You are on Helem Ruiz's Twitter stats page
We track these Twitter stats since April 17, 2015 . You can see how many followers Helem Ruiz lost or gained and what the prediction is for tomorrow or the next 15 days, together with all kinds of other stats like rank compared to all Twitter users, tweets etc.
Why don't you give it a try and compare Helem Ruiz to yourself ? Or if you are Helem Ruiz get even more feature rich & up-to-date stats with our premium Twitter Stats.
Twitter Counter is the #1 Twitter stats site powered by Twitter. It all started in June 12, 2008 and we grew rather rapidly because of our Twitter Counter badge. The button is a nice small image that shows your visitors how many followers you have on Twitter. Within a year the button was on many many blogs around the world and we displayed more than 100 million buttons in one month. We track follower stats for over 271.152.322 users now.


text:
IAG Cargo posted revenues of 1.02 billion euros for 2016, a 6.6 percent drop from 2015.
The Georgia Ports Authority handled 3 million tons of cargo in January, with bulk cargo at the Port of Brunswick more than doubling January 2016 figures.
The Agriculture Transportation Coalition, National Industrial Transportation League and National Retail Federation expressed concerns over a threatened work stoppage at East and Gulf Coast ports by members of the International Longshoremen's Association.
Registration takes less than 1 minute.
The Spanish government will face strikes at all ports across the country later this month, according to International Transport Workers' Federation (ITF) Maritime Operations Coordinator Jacqueline Smith.
In a surprise announcement, Customs and Border Protection has delayed implementing several post-release functions in its Automated Commercial Environment in order to resolve outstanding technical issues.
Liberty Woods International filed a lawsuit in personam against Dalia Ship Holding and in rem against Dalia's ship, the Ocean Quartz, seeking $1.4 million for damage it said occurred to shipments of plywood.


text:
Your list is empty.
Save musicians, entertainers, speakers and services, and they'll appear here.
Hire Folk Bands in Flint, MI
Tell us about your event:
Complete the form below to receive FREE no-obligation quotes from Folk Bands in Flint, MI.
Folk Band
Commerce Township, MI
Folk Band
Utica, MI
Square Dance Caller / Folk Band
Dexter, MI
The Flutter and Wow is Folksy-Americana infused with Bluegrass, Country, Pop, Rock…
Acoustic Band / Folk Band
Livonia, MI
TAPESTRY features Denise Grupp-Verbon, harp and Michael Grupp-Verbon, acoustic guitar.…
Acoustic Band / Folk Band
Toledo, OH
New to Holland, Michigan in July 2016, we provide beautiful handbell music for a…
Handbell Choir / Folk Band
Holland, MI
Borne by a necessity but nurtured by a belief, Safety First Records is an East-London…
Folk Band
London, ON
Singing Guitarist / Folk Band
Cleveland, OH
We perform our original folk songs as well as cover songs by artists such as Simon…
Folk Band
Cleveland, OH
Bells around her ankle, a handmade tambourine shoe, drums encircling her piano,…
Indie Band / Folk Band
Cleveland, OH
Dulcimer Player / Folk Band
Goshen, IN
Indie Band / Folk Band
Hamilton, ON
EXPERIENCED FULL TIME PROFESSIONAL: Nationally touring singer/acoustic guitarist…
Cover Band / Folk Band
Columbus, OH
Bluegrass Band / Folk Band
Columbus, OH
An alternative to the traditional cover band, Professional Folk provides an original and…
Acoustic Band / Folk Band
Chicago, IL
Jonathan is very flexible and can provide an easy going acoustic sound or an energetic…
Cover Band / Folk Band
Chicago, IL


text:
3 Bedrooms Detached House for sale
Narrow Lane, Clieves Hills, Ormskirk
This beautiful former farmhouse rests elegantly on a large plot and provides wonderful family living space and a private and peaceful home. the property dates back to circa 1780 and…
4 Bedrooms Detached House for sale
This wonderful four bedroom detached family home rests on a large private plot in this popular and convenient location. originally a true bungalow, the property has undergone a number…
Share with your friends
Marketed by:
Knight Knox, Liverpool
Seventh Floor, Quay West at MediaCityUK
Trafford Wharf Road
Tel: See phone number 01617721370
Website: Go to Agent Website


text:
Based on our experience working with many organisations over our 10 year history, the overwhelming number one Business Process Management (BPM) tool by user volumes might just still be the humble Word document, on a file or document management platform.
So what's so bad with these type of static procedures documents anyway?
Oh, they're bad. If the intentions of your BPM programme are to 'improve processes continuously' (thanks Wikipedia) then they're really bad. Static documents like these have a great history for achieving short term goals (look we've written 114 procedures this month!), but unfortunately they're not worth much beyond that. They've got a dreadful history when judged by business teams for actual usefulness and therefore a very low impact on organisational culture and improvement and the benefits your customers see.
That's a problem for those of us working hard to help teams change old behaviours, which can innovate, delight customers and standardise working approaches.
Why has this humble old approach not been knocked out of the park by the new breed of BPM tools? Well, mainly because it's the cheap and easy option for that short term goal of process capture. It's a universal tool that teams already have, therefore it's easy to demonstrate perceived progress quickly - run the workshop, haggle over changes, save as, you're done. (For small organisations, this is a perfectly valid way to start your way up the process maturity curve.)
The costs of this approach can actually stay hidden for a long time. You can't measure the 'losses' from the status quo: from minor costs like re-writing these documents every few years, to the business critical costs of helping teams get things right, being slower than competitors to innovate, to standardise processes, to lift rates of customer satisfaction and repeat business. You can only measure these as gains, once you've invested in a programme of improvement.
So, if you'd like to make progress against objectives like these below then you need to look at replacing Word and these other static documents with a tool that actually works:
- Improve customer satisfaction levels
- Improve efficiency
- Reduce costs
- Increase market share and revenue
- Reduce operational risk
- Decrease defects
- Increase business agility
- Support innovation
- Adapt to new regulatory requirements
If not, then stick with the static documents, but beware your business will also fast become static too.
There's a better way – take a look at Promapp


text:
Junie B. Jones #25: Jingle Bells, Batman Smells! (P.S. So Does May.)
- United States
- Children's Fiction
- English
More informationMeet the World's Funniest First Grader-Junie B. Jones!
Ho, ho...uh-oh! With over 50 million books in print, Barbara Park's New York Times bestselling chapter book series, Junie B. Jones, is a classroom favorite and has been keeping kids laughing-and reading-for over 20 years! In the 25th Junie B. Jones book, it's holiday time, and Room One is doing lots of fun things to celebrate. Like making elf costumes! And singing joyful songs! Only, how can Junie B. enjoy the festivities when Tattletale May keeps ruining her holiday glee? And here is the worst part of all! When everyone picks names for Secret Santa, Junie B. gets stuck with Tattletale you-know-who! It's enough to fizzle your holiday spirit! Hmm . . . or is it? Maybe, just maybe, a Secret Santa gift is the perfect opportunity to give May exactly what she deserves.
"Junie B. is the darling of the young-reader set."
Publisher's Weekly:
"Park convinces beginning readers that Junie B.-and reading-are lots of fun."
Kirkus Reviews:
"Junie's swarms of young fans will continue to delight in her unique take on the world….A hilarious, first-rate read-aloud."
Time Magazine:
"Junie B. Jones is a feisty six-year-old with an endearing penchant for honesty."


text:
Dizao Online StoreOnline Store / Website Development
Web site: dizao-shop.com
Develop web-site Dizao.
The whole Dizao product line is a natural alternative to the premium cosmetics currently available in the market. Dizao masks, lip balms and mascara possess the ultimate natural effectiveness. None of the Dizao beauty products contain GMO, parabens, silicone, synthetic perfumes, toxins or artificial colorants.
Precious Dizao ingredients create a whirlwind of sensations – bliss from the unmatched natural textures, pleasure from the alluring scents and delight at the striking results!


text:
Risk and Regulatory Data Manager - Data Analytics - Tech RC
- Apply now
Please wait...
Date: Feb 9, 2017
Location: London, United Kingdom
Company: KPMG UK
|AutoReq ID
|Job Title
|Risk and Regulatory Data Manager - Data Analytics - Tech RC
|United Kingdom
|Advisory Risk Consulting
|Service Line
|Technology (RC)
|Service Line Information
|Using a wide variety of technical and sector-specific skills, KPMG's Risk Consulting group proactively helps clients increase profits whilst reducing reputational, operational, financial and other risks. We are experienced in managing diverse issues including fraud, regulatory compliance, risk frameworks and modelling, capital efficiency, corporate governance, dispute resolution, deriving value from contracts and much more.
Technology - Our clients need to deal effectively with technology related risks and derive maximum value from data and documentation. Our specialists provide independent, jargon free advice and advanced technology capabilities to help our clients proactively manage their technology risks and use their data to its full potential.
|Job Description
The Data Insight Services team sits within KPMG Risk Consulting Technology function and is a facility that brings together analytics specialists, hardware and software to provide a unique facility that allows customers to commission one-off pieces of analytics work, proofs of concept or on going data oriented managed services. It represents a critical component to KPMG's growth strategy and is where much of the innovative early thinking takes place on fraud detection and other data driven projects.
The successful candidate will perform a client delivery focused role, which involves leading a team of data analysts in the management, manipulation and analysis of data to extract the necessary intelligence from the related data assets. The candidate will be involved in a wide range of regulatory and forensic investigation type projects with a particular focus on the support of securities and corporate fraud investigations.
• Responsible for the analytical solution of securities, corporate fraud investigations and subsequent remediation activities;
- Managing teams in the identification of business requirements, functional design, process design, prototyping, and testing;
- Pro-actively driving forward new and creative ideas and analytical solutions which benefit the client;
- Developing internal networks and maintaining relationships with colleagues across other teams within KPMG; and
- Building relationships and managing client stakeholder/relationships on projects.
Qualifications and Skills:
This exciting role will fully utilize the candidates programming, data analysis and data management skills. Strong technical skills are essential, as candidates will be expected to develop solutions either individually or as part of an integrated multi-disciplinary team.
Candidates should be able to demonstrate a number of the following skill sets and experience:
- Strong analytical skills and ability to identifying patterns within data to generate business insight;
- Track record for quantitative, analytical and problem-solving capabilities preferably in financial services;
- Significant experience with either of the following data manipulation software: Teradata SQL (Oracle/SQL Server) or SAS;
- Advanced data manipulation skills - manipulating and clean large data tables to ensure that data meets standards and objectives;
- Strong written and verbal communication skills, including technical writing skills; and
- Excellent communication skills with the ability to explain complex technical analysis to a non-technical audience.
Experience and Background:
- Working in a fast-paced analytics environment preferably in professional services, banking or insurance;
- Proven experience in the life cycle of investigative and remediation type projects including root cause analysis, solution design, building financial calculators and performing impact analysis; and
- Tenacious problem solving attitude, particularly when helping clients obtain the data required.
|Applying with a Disability
|KPMG are proud to be an inclusive, equal opportunity employer and we seek to attract and retain the best people from the widest possible talent pool. As a member of the Business Disability Forum we're committed to ensuring that all candidates are treated fairly throughout the Recruitment Process. Should you be successful after the initial application stage, please discuss with your recruitment contact any reasonable adjustments to our Recruitment Process that you may require.
KPMG's commitment to diversity
KPMG consistently features in the Sunday Times Best Big Companies to work for, which has been recognised with a special achievement award to mark our 10 years in the Top 25. We pride ourselves on being a place where your individuality is valued; you can be yourself and still achieve your potential. We believe that your individuality helps us to deliver the best results to our clients. Diversity of background, diversity of experience, diversity of perspective - that's the KPMG difference. But, don't take our word for it, find out more about diversity at KPMG by viewing our Policy
Policy for Agencies
KPMG has a commitment to sourcing candidates directly and as such we do not accept speculative CV's from agencies. Please check here to see our policy on agencies: Policy
Job Segment: Analytics, Risk Management, Database, Information Technology, IT Manager, Management, Finance, Technology
- Apply now
Please wait...


text:
Let us know when your receive great advice so we can thank our lawyers and point others with similar questions in the right direction.Got it!
My husband is the Sol Propreietor of his construction co. He is workers' comp exempt. I work with him. Do I need to be workers' comp exempt as well, and if so, do i have to be an officer of the company to qualify? I am not on the payroll.
Exemption eliminates an officer or proprietor from the need to have w/c coverage. In the construction setting every employee must be covered. I think you need to review the issue with an attorney, but as a sole proprietor who hires employees and works on construction sites, he likely has to have coverage for all the employees including you. Your husband may want to consider the business structure being utilized and whether it best suits his current needs. You mention whether you have to be an officer, which would likely be a corporation or partnership and yet you say your husband is a sole proprietor which is a different structure. This is why i suggest you see an attorney to review the entire process prior to any events occurring triggering the need for coverage.
I am not licensed in your state, but in NY a sole proprietor is not required to have workers' compensation insurance if he or she has no employees. Once there is an employee, such insurance must be obtained. Also, a family member who is not a shareholder, but does work for the company is considered an employee and triggers the need for workers' compensation insurance. Failure to provide this can subject the sole proprietor or in a corporation, the president, secretary and treasurer to personal liability should an employee make a claim for an on the job injury and even without an injury, there may be substantial penalties assessed for not having this insurance. You should consult with a licensed attorney in your state who is eperienced in handling workers' compensation claims and is familiar with coverage requirements.
This answer does not constitute legal advice and does not create any attorney client relationship. You should consult with an attorney licensed in your state who is experienced in the area of law involved in your question.
You are working "under the table" but since you are doing construction you are running the risk of getting injured. You and your husband should consider WC coverage even if it not required. I have seen this situation too often. People who cut corners like you are doing often get "burned."
THESE COMMENTS ARE NOT LEGAL ADVICE. They are provided for informational purposes only. Actual legal advice can only be provided after consultation by an attorney licensed in your jurisdiction. Answering this question does not create an attorney-client relationship or otherwise require further consultation.
Post a free question on our public forum.Ask a Question
- or -
Search for lawyers by reviews and ratings.Find a Lawyer


text:
Raise awareness to breast cancer by wearing this paracord bracelet, which is proudly handcrafted by our team of veterans.
Raising awareness is among the best ways of preventing breast cancer.
20% of sales will be donated to the Colorado Breast Cancer Resources Directory.
Some breast cancer facts:
- Breast cancer is the most commonly diagnosed cancer in women.
- 1 in 8 American women will be diagnosed with breast cancer in their lifetime
- Breast cancer in men is not common, but it happens and approximately 2,600 men are diagnosed yearly in the United States
- There are things you can do to lower your risk:
> Avoid exposure to environmental pollution and radiation
> Breast feed (for mothers)
> Be active physically
> Maintain a healthy weight
> Choose to eat healthier
> Limit alcohol and do not smoke
> If you are age 40-44, choose to start yearly breast cancer screening with mammograms
Bracelet specifications:
- Made out of high quality 450 and 550 pound test paracord
- Sizes ≤ 7.5" are made with thinner gutted paracord
- Sizes ≥ 8" are made with thicker regular paracord
- Limited Lifetime Warranty
> For Metal and Plastic Buckles, click here.
> For Velcro Adjustable, please get size up for comfort:
- XS- S: 6" - 6.5" wrist
- S-M: 6.5" - 7.5" wrist
- M-L: 7.5" - 8.5" wrist
- L-XL: 8.5" - 10" wrist
Meet the Veterans who work for and make all of your products at HandmadebyHeroes.com. Our Veterans are the heart and soul behind all of our products and make each order with pride and precision.
Click Here to read more about each of our Veterans and watch the video below.
About the Colorado Breast Cancer Resources Directory
The Colorado Breast Cancer Resources Directory offers a wide range of resources for patients in every stage of breast cancer from getting emotional and financial support, coping with the cancer, products and services options, alternative and complementary treatments and maintaining wellness.
The Directory is also the mainly used guide to resources by caregivers and health care providers in Colorado. The print directory is free and available in English and Spanish and is published annualy. Copies can be acquired through the Colorado Dept. of Public Health & Environment's Resource Center. The online listings are updated and added to throughout the year.
The online Directory was created by the Breast Cancer Task Force of the Colorado Cancer Coalition, an all-volunteer organization. Donations help maintain the directory as well as support a competitive grant program through the Colorado Cancer Coalition and the Colorado Breast Cancer Task Force. To learn more about Colorado Breast Cancer Resources Directory, click here.


text:
The door closesThe key in the lock turnsNo way back through the solid black doorNo lights to be turned onNo windows to see throughDarkness engulfsNo one knocks at the doorOnly one sound remains.My tears falling
black dark door poem sad silence
Oh Jodes, this is so lonely and sad. Brings tears to my eyes.
Hope you're ok.
Heartfelt and full of emotion.Short but charged with sorrow.Peace, love and hugs to you! :)
Thanks Char and Paul. Just a very short dark moment of my life. All is good! xx
Loading more work by Jodi Webb...
10% off
for joining the Redbubble mailing list
Receive exclusive deals and awesome artist news and content right to your inbox.
Free for your convenience.


text:
My SkillWho
Branches of Gold Catering
Kannapolis, NC
Email This Member
Add Member to Friends
Recommend This Member
Sylvester & Kimberly come to you with over 25 years of culinary expertise. Our cooking styles are of Northern and Western orientation with a Southern flare.
We have been in the foodservice industries from childhood working with many family members and friends ranging from Chefs to Caterers to event planners. So it is easy to assume that we were born to work in this industry. Cooking is ingrown and has become our lifes love and passion.
Our backgrounds come from an array of influences starting with work experiences from as far out west as the Mandalay Bay Hotel and the MGM Grand Hotel in Las Vegas, Nevada, to the east coast of the US Naval Submarine Base in Groton, CT. We are now Carolinians to the heart with stints in Charlotte and surrounding areas. Our resumes now include the Daniel Stowe Botanical Gardens, The US Whitewater Rafting Center, the South Charlotte Banquet Center, the Blumenthal Performing Arts Center, Centerstage @ Noda, TPC Piper Glen Country Club and Queens University Student Dining Hall just to name a few.
The newest member of our team is our daughter Chantalle she is a current graduate from Le Cordon Bleu Culinary Institute in Miami, FL specializing in Baking and Pastries. She comes to us with fresh new ideas and tastes that will tease and tempt your tongue and tastebuds. If you're looking for something delectible for your special occassion or event. Call her she is sure to excite and please you.
For inquiring minds our complete job listings and experiences are available upon request.
Our company is based on the belief that our customers' needs are of the utmost importance. Our entire team is committed to meeting those needs. As a result, a high percentage of our business is from repeat customers, word of mouth and referrals.
We would welcome the opportunity to earn your trust and deliver you the best service in the industry.
Profile Summary:
Chef / Caterer Kannapolis, NC
My Friends
View All Friends >>
Maggie SkillWho
Top Skill:
Finding Skills and Talents
More About Me
Branches of Gold Catering
is located in
Kannapolis, NC
and has the following skills:
Chef / Caterer
Cooking / Culinary
Similar Skillwho Members
maguli G
Technical writing
Queens County, NY
Brian McMillen
Recovery Agent
Naperville, IL
Anna Detkova
Saint Johns, FL
Graham Firestone
Internet Background Checks/Finding Old Friends
Atlanta, GA
David Tester
Carson, CA
Joe A
Linguistics Tester
Cupertino, CA
Sherrie Sonomura MPH, RD, CDE
Registered Dietitian, Certified Diabetes Educator
San Francisco, CA
Aida Horvath
Sports Massage Therapist
Atlanta, GA
My Skills
Chef / Caterer
Cooking / Culinary
Savory cooking
Relevant Education / Credentials
Years Experience:
Terms of Use
| © SkillWho LLC


text:
This elegant hanging feeder is sure to please all types of wild birds.
- Home Bazaar birding products are both decorative and fully functional
- Exterior grade ply-board for the walls, floor and underlying roof board
- Kiln-dried hardwoods, pine and poly-resin details
- Western Red Cedar shingled roof
- Outdoor, water-based , non-toxic paint
- Attracts all types of wild birds
- Does not contain any chemicals or sealants that can be harmful to wildlife.
- Protect this product's finish with a polyurethane recommended for marine use and UV rated that will not discolor the paint


text:
max speed in 4wd
3 Answers
Check your owner's manual, I have been well over 120kph in 4hi in my Power ram to no ill effect, depending on the 4wd system you have in your Jeep you can use 4hi on pavement such as the high way, witch means high way speeds are not unreasonable. However most 4wd's are geared diffirent front to rear i.e. 4.55.1 rear to 4.56.1 front, thus causing "bind" in the drive line.
In answer to your question, some manufacturers (ford, gm, dodge) only recommend speeds up to 80km/h (close to 50mph) in 4hi. sure, you can drive faster, but this does cause premature wear on driveline components. I know for a fact that GM does not recommend driving over 80km/h - besides - if you need to put it in 4wd on the highway, you shouldn't be driving that fast in the first place! Not sure where Charlie got his info on the different gearing front to rear, but no 4WD system has different gear ratios front to rear, if that happened, the entire system would always bind and eventually break or damage components (like stretch the t-case chain)
I assume that your jeep is all time 4wd. In my 2000 Jeep Grand Cherokee Limited V8 which is all time 4wd the governer will kick in at about 115 mph.
Your Answer
Looking for a Used Grand Cherokee in your area?
CarGurus has 68,670 nationwide Grand Cherokee listings starting at $864.
Search Jeep Grand Cherokee Questions
Jeep Grand Cherokee Experts
Reputation 1,940
Tom Demyan
Reputation 1,760
Reputation 1,620


text:
But little Mouse, you are not alone, In proving foresight may be vain:The best laid schemes of mice and men Go often askew,And leave us nothing but grief and pain, For promised joy!
CWN reports that
(t)he Bulgarian Orthodox Church leadership has announced that it does not intend to participate in the worldwide Orthodox Council that is scheduled to take place in Crete later this month.
The Holy Synod of the Bulgarian Orthodox Church, meeting on June 1, said that the "Pan-Orthodox Council" should be postponed until "thematic and organizational changes" were made; the Synod listed several disagreements with draft documents that have been prepared for the meeting and with the proposed rules of procedure. The Bulgarian prelates said that they are "determined not to participate if they do not see progress in the resolution of their claims."
At this late date it is highly unlikely that substantial changes will be made in the plans for the Pan-Orthodox Council. The preparatory documents, in particular, are the result of long and exacting negotiations among representatives of the world's disparate Orthodox communities. Thus the withdrawal of the Bulgarian Orthodox Church seems inevitable: a major blow to the ambitious plan for an unprecedented meeting of all the world's autocephalous Orthodox churches.
The rules that have been established for the Pan-Orthodox Council require unanimous agreement on any changes that are made to the working documents. By declining to participate, the Bulgarian prelates may be hoping to put pressure on other Orthodox leaders to tone down—or perhaps table—statements on controversial issues such as ecumenism.—June 01, 2016
CWN: Bulgarian Church withdraws from Pan-Orthodox Council
(T)he Bulgarian church objected that the proposed seating places of the primates of the Orthodox churches in the room to be used for meetings of the council "violates the principle of equality of the primates of the Autocephalous Orthodox Churches".
It also objected to the "inappropriate location of observers and guests of the Pan-Orthodox Council (POC)".—The Sophia Globe
Metropolitan Hilarion made clear that the synod is not an ecumenical council and criticized its draft documents.
"We would have liked to improve their wording," he told a conference at St. Tikhon's Orthodox University in Moscow on April 19. "Believe me, we have exerted a lot of efforts to make the documents better than they were, but many our amendments have not been adopted."
Turning to synodal procedure, Metropolitan Hilarion said:
We have proposed from the very beginning of preparation to convene all bishops … However, we were told that it was impossible to bring so many bishops together and let it be the fixed number from each church … It means that certain churches will be represented by all their bishops, but our church, which has over 350 bishops, will be represented by a small quantity.—CWN April 20, 2016
Pope Saint Leo I (The Great)
Our Lord Jesus Christ . . . has placed the principal charge on the blessed Peter, chief of all the apostles, and from him as from the head wishes his gifts to flow to all the body, so that anyone who dares to secede from Peter's solid rock may understand that he has no part or lot in the divine mystery. He wished him who had been received into partnership in his undivided unity to be named what he himself was, when he said: 'You are Peter, and upon this rock I will build my Church' [Matt. 16:18], that the building of the eternal temple might rest on Peter's solid rock, strengthening his Church so surely that neither could human rashness assail it nor the gates of hell prevail against it" (Letters 10:1 [A.D. 445).
Our Lord Jesus Christ . . . established the worship belonging to the divine [Christian] religion. . . . But the Lord desired that the sacrament of this gift should pertain to all the apostles in such a way that it might be found principally in the most blessed Peter, the highest of all the apostles. And he wanted his gifts to flow into the entire body from Peter himself, as if from the head, in such a way that anyone who had dared to separate himself from the solidarity of Peter would realize that he was himself no longer a sharer in the divine mystery" (ibid., 10:2–3).
Although bishops have a common dignity, they are not all of the same rank. Even among the most blessed apostles, though they were alike in honor, there was a certain distinction of power. All were equal in being chosen, but it was given to one to be preeminent over the others. . . . [So today through the bishops] the care of the universal Church would converge in the one See of Peter, and nothing should ever be at odds with this head" (ibid., 14:11).
CCC 838 "The Church knows that she is joined in many ways to the baptized who are honored by the name of Christian, but do not profess the Catholic faith in its entirety or have not preserved unity or communion under the successor of Peter." Those "who believe in Christ and have been properly baptized are put in a certain, although imperfect, communion with the Catholic Church." With the Orthodox Churches, this communion is so profound "that it lacks little to attain the fullness that would permit a common celebration of the Lord's Eucharist."
the Holy See of Rome is established by Christ, founded on the real authority of Jesus Christ given to Peter and his successors, to serve Christ's one flock.


text:
Super-Bite Senso
Super-Bite Senso from Pinnacle is a universal digital X-ray holder for periapical radiographs. Design consists of two holders (anterior and posterior) so that it can be used in all 4 quadrants. Has a fixed apical stop to ensure total visibility of the apical region. Works with any sensor brand or type. Lightweight material for increased patient comfort and compliance.
PRODUCT OPTIONS: Super-Bite Senso
Super-Bite Senso - Assorted Kit - Super-Bite Senso - Assorted Kit
Technical Specification
Anterior and Posterior Use: Yes
Compatible Systems: All
Contains: 2 anterior with ring, 2 posterior with ring
Package Quantity: Each
Sku# 2800
Customer Reviews
No reviews yet. Be the First!