Grupo Lua Cheia

Olá :) Bem-vindos à plataforma de comunicação do grupo "Lua Cheia". Este será o nosso primeiro meio de comunicação, antes da fase "EcoVila Lua Cheia". "Uma ecoaldeia é uma pequena comunidade de pessoas (tipicamente entre 30 e 1000) numa estrutura social coesa, baseada em várias combinações de três dimensões: comunidade, ecologia e espiritualidade. As ecoaldeias têm como denominador comum o objetivo de proporcionar um estilo de vida em harmonia com a natureza e entre os seus membros."

domingo, 13 de março de 2022

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quinta-feira, 24 de fevereiro de 2022

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segunda-feira, 7 de fevereiro de 2022

Finance Newsletter

We are a Hedge Fund Firm established in Europe. We fund Start up / Established business. We offer Commercial Loans to different industries ranging from Housing, Construction and Production.

We also render Mortgage services for home Buyers. Our Application is swift and reliable. Loans Applications are closed in a maximum of 14 working days at a minimum interest of 5% Annually.

We are also Partnering with Brokers so as to extend our reach, our broker fee is 5% of Approved funding. Kindly reply to the email. We are looking forward to working with you.

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RC Capital

terça-feira, 25 de janeiro de 2022

Kansas City AFC 2022 Highlights

Even the victorious coach, in this case Andy Reid, has expressed reservations about the NFL's overtime system.

13 Seconds Chiefs

Reid hailed Kansas City's good fortune one day after his Chiefs won the overtime coin toss and marched downfield for Travis Kelce's 8-yard touchdown reception to conclude an exciting divisional round game against Buffalo.

"I spoke with Sean McDermott following the game," Reid said of Bills coach Sean McDermott. "I'm sure that's something they're going to look at again." And I'm not averse to that - it's a difficult issue. It was fantastic for us last night, but is it fantastic for the game, which is the primary objective we should all be pursuing? To achieve parity, it presumably has to be capable of hitting both attacks and defenses."

Grim Reaper Chiefs

It was a near-perfect football game (minus an ending that felt incomplete with Allen not getting a chance to answer). And although nothing about these quarterbacks' performances seemed authentic, they also did not feel fluky. These were two metahumans performing at their peak, and the remaining twenty players on the field were unable to stop them.

Chiefs Grim Reaper

Mahomes and Allen were also not playing under great conditions. According to Pro Football Focus, the Chiefs offensive line allowed pressure on 39.6 percent of the team's throw plays. However, it was irrelevant—Mahomes ended with a higher passer rating under duress than he did when the pocket was maintained clear.

While most of the commentary surrounding the Chiefs-Bills playoff game focused on the last minutes of play by quarterbacks Josh Allen and Patrick Mahomes, just as much, if not more, discussion focused on how the game ended, which featured the league's overtime rules.

According to NFL overtime regulations, the side who wins the coin toss and scores a touchdown on their opening drive wins. If they make a field goal, the other team gains possession of the ball and an opportunity to respond or win the game. That is a simplified summary, but it captures the substance of the issue of disagreement.

13 Seconds Chiefs

Occasionally, a miracle is required. And when you do, having a Mahomes is advantageous. With 13 seconds remaining against the tenacious Bills, the Chiefs trailed by three scores deep in their own territory, but Patrick Mahomes' ability to make the unthinkable possible salvaged the day in an incredible 42-36 victory. Mahomes set up Harrison Butker's game-tying field goal with two big completions, then led Kansas City to win in overtime with a touchdown drive. Andy Reid's defense was battered in the fourth quarter by Josh Allen – another quarterback in the high echelons of The Superstar Club – but Mahomes had that unique DNA feature shared by superstars. On certain days, he just will not allow his squad to lose, regardless of the odds. The Chiefs earned the opportunity to host the AFC Championship Game for the fourth straight year as a result of their epic victory. The Bengals are another deserving conference title contender.

Reference:

sábado, 22 de janeiro de 2022

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quarta-feira, 5 de janeiro de 2022

Mortgage Broker Los Angeles FAQ

You can visit this link for more information about Mortagage Broker Los Angeles - https://sites.google.com/view/localcalifornia/mortgage-broker-los-angeles

What is the average broker fee for a mortgage?

On average, a mortgage broker will get paid somewhere between 1% and 2% of the total value of the loan, which can obviously be a substantial sum.

Is it cheaper to go through a mortgage broker or bank?

Pricing with mortgage brokers can be just as competitive as a bank, as long as the broker doesn't take too much off the top. ... Wholesale rates can actually be much cheaper than retail interest rates you'll get with banks, meaning a lower monthly mortgage payment.

Do you pay more with a mortgage broker?

Usually the lender pays the mortgage broker after the loan closes, but sometimes the borrower pays the broker at closing. Either way, the mortgage broker receives a fee that is a small percentage of your loan amount, usually 1% to 2%. When the borrower pays, the fees can be rolled into the loan amount.

Is it safe to use a mortgage broker?

Working with a mortgage broker has almost no downside, because you aren't obligated to move forward with your mortgage application until after you find out what mortgage rate you can secure and from which lender. In the best case scenario, you'll save thousands of dollars in interest on your mortgage.

What is the maximum commission a broker can charge in California?

In CALIFORNIA , this maximum rate is 10%, or 5% over the Fed discount rate, whichever is greater.

How do mortgage companies rip you off?

In some cases, lenders accept your application and then charge you fees even if you cannot qualify for the mortgage. This is a way lenders rip off unsuspecting borrowers. Not only is your mortgage application declined but you may also lose hundreds of dollars in unnecessary fees.

Is Quicken Loans a broker?

Whereas sites like LendingTree and Zillow essentially act as brokers, sending your basic information to multiple mortgage providers, Quicken Loans is a direct lender. That has its pros and cons.

Why choose a mortgage broker over a bank?

Mortgage brokers provide a one-stop shop for their clients. They may have access to hundreds of potential lenders with only one credit inquiry impacting your score. They are often able to find great rates and get you approved quickly.

Are mortgage brokers free?

Fee-free mortgage brokers won't charge you an upfront fee. Instead, they'll receive a commission from a lender. Some brokers advertise fee-free advice; however, this only relates to their initial advice being free. If brokers are able to find you a mortgage, they may well charge you a fee.

What are the pros and cons of being a mortgage broker?

Pros and cons of working with a mortgage broker
Pros Cons
You'll have more loan products to choose from. You may have limited access to down payment assistance (DPA) programs.
You can switch lenders if your loan is denied. Your broker doesn't control the approval process and doesn't lend you money directly.

What is the difference between a mortgage lender and a mortgage broker?

A lender is a financial institution that makes loans directly to you. A broker does not lend money. A broker finds a lender. ... Whether you use a broker or a lender, you should always shop around for the best loan terms and the lowest interest rates and fees.

How do I know if a mortgage broker is legit?

The Nationwide Mortgage Licensing System & Registry (NMLS) maintains a database of licensed brokers. Additionally, you can usually check if a broker is licensed or if there has been an order of disciplinary action against the broker by checking with your state regulator .

Who pays for closing cost in California?

There is no state or county law that dictates who pays which closing costs in California, between the home buyer and seller. It usually comes down to two things — local customs and negotiations. Even so, there are certain closing costs that are usually paid by the buyer, and some that are typically paid by the seller.

Who pays realtor fees in California?

In California, home sellers pay real estate commission fees out of the final sale proceeds for both agents involved in a deal. However, since this commission is baked into the sales price, you could say that the home buyer is paying — at least in part — through a higher price.

Why would the seller pay closing costs?

By having the seller pay for certain items in your closing costs, it enables you to make a higher offer. Therefore, you'll effectively be paying your closing costs throughout the life of the loan rather than upfront at the closing table because they're now built into your loan amount.

Is Rocket mortgage a broker or a lender?

Rocket Mortgage® is an online mortgage experience and America's largest mortgage lender1. Rocket Mortgage® isn't a calculator; it's a way to get a mortgage.

Is Rocket mortgage part of Quicken?

One Giant Leap: Quicken Loans Announces It's Changing Name to Rocket Mortgage. DETROIT, May 12, 2021 – Quicken Loans, America's largest mortgage lender and a part of Rocket Companies (NYSE: RKT), today announced it will officially change its name to Rocket Mortgage on July 31.

Is Wells Fargo a good place to get a mortgage?

Wells Fargo's mortgages are worth a look if you're an existing customer. This large lender offers a wide variety of home loans, including some with low down payment options. But its recent history of government settlements may be a turnoff for some people.

Is it better to go with a local bank for a mortgage?

Your Local Bank for Mortgage Loans: An Overview. ... If meeting with lenders face to face is important to you, a local bank with a good reputation is a sound choice. Local banks may also have better rates or lower fees than online options do. Both types of lenders offer mortgage pre-approval.

Can mortgage brokers get you a bigger mortgage?

If you miss your mortgage payments, your guarantor has to cover them. Talking to a broker: Some lenders could give you a bigger mortgage than others, and brokers can work out which ones are most likely to lend you more.

Is Quicken Loan legitimate?

If you choose Quicken for your mortgage, you're in good company. This Detroit–based lender has rapidly become one of the most popular in the U.S. thanks to its seamless, digital–first mortgage process. But remember not to choose a lender based on the ease of application alone.

How much do brokers cost?

Brokerage fee
Brokerage fee Typical cost
Annual fees $50 to $75 per year
Inactivity fees May be assessed on a monthly, quarterly or yearly basis, totaling $50 to $200 a year or more
Research and data subscriptions $1 to $30 per month
Trading platform fees $50 to more than $200 per month

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segunda-feira, 27 de dezembro de 2021

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domingo, 7 de novembro de 2021

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O que é uma ecovila?

"Uma ecovila tem como meta ser razoavelmente sustentável, no sentido de dar uma maior prioridade à produção local de alimentos orgânicos, energias renováveis, design de permacultura, construção ecológica, funções de apoio social e familiar, e, no geral, um respeito pelos sistemas naturais e a necessidade de não tirar mais da terra do que ela nos dá. Noutras palavras, uma elevada qualidade de vida sem problemas ambientais.

É necessário um certo grau de flexibilidade no conceito para ter em conta as várias condições. Em muitos casos a sustentabilidade na prática tem de ser estendida a um número maior de comunidades, por exemplo uma "bio-região". A comunidade pode ser urbana ou rural, altamente tecnológica ou não, dependendo das circunstâncias e das convicções. O que é comum é o profundo respeito pela natureza e pelos seres humanos como parte integral da mesma.

Comunidade - a dimensão social de uma ecoaldeias
Ecoaldeias são comunidades em que os indivíduos se sentem apoiados e responsáveis pelos que os rodeiam, criando um forte espírito de grupo. São suficientemente pequenas de modo que todos se sintam ouvidos e respeitados. Deste modo as pessoas participam nas decisões que afetam as suas vidas e a comunidade de uma forma transparente.
A organização social deverá promover:
A participação ativa de todos os indivíduos na vida da comunidade.
A tomada de decisões fundamentais pela via do consenso.
A estabilidade social da comunidade.
A livre expressão de todos os indivíduos.
Um sentimento generalizado de segurança, confiança e justiça.
A maximização da comunicação e interação entre os indivíduos da comunidade e com a comunidade global.
A transparência da gestão e o livre acesso à informação.
A responsabilização de todos pelo bem comum e o apoio necessário a todos os indivíduos.
O respeito e a promoção da diversidade, como elemento fundamental da saúde e vitalidade da comunidade.
O desenvolvimento pessoal, a aprendizagem contínua e a criatividade individual e coletiva.
Um sistema de saúde acessível que permita restabelecer, manter e melhorar a saúde física, mental e emocional, incluindo medicinas alternativas e naturais.

A dimensão ecológica de uma ecoaldeia
As ecoaldeias permitem aos seus membros explorar a sua relação espiritual com a terra. A interação com o solo, água, vento, plantas e animais faz parte da vivência cotidiana. As necessidades diárias: comida, roupa e abrigo são obtidos com respeito pelos ciclos da natureza.
Os princípios ecológicos da comunidade deverão assentar na promoção de uma ligação forte dos membros com o espaço que ocupam, sincronizados e em harmonia com o sistema ecológico a que pertencem.
Respeito pela natureza, pelos ciclos naturais e pela fauna e flora.
Regeneração do meio ambiente e não a sua degradação.
Alimentação produzida majoritariamente no local ou na região, de produção biológica e promovendo uma alimentação saudável.
Construção integrada no ambiente e recorrendo a técnicas de construção e materiais amigos do ambiente (não tóxicos, renováveis, de origem natural e preferencialmente local).
Meios de transporte sustentáveis.
Minimização do consumo e da produção de resíduos, e promoção da sua valorização. Abastecimento renovável de água limpa e tratamento local de águas residuais transformando-as num recurso para a comunidade. Recurso a fontes energéticas renováveis e não tóxicas.

A dimensão espiritual de uma ecoaldeia
As ecoaldeias integram um sentimento de unidade com o mundo natural. Encorajam o reconhecimento da vida humana e da própria Terra como parte integral de um todo maior, o cosmos.
Embora várias ecoaldeias possuam um caminho espiritual bem definido, muitas não colocam ênfase nas práticas espirituais. Contudo, ao observar os ciclos naturais e ao proteger a Terra e todos os seus seres, expressam um profundo respeito pelos aspectos espirituais da vida.
Espiritualidade significa: respeitar o fato de que a mesma manifesta-se de muitas formas em diferentes culturas e locais;
Promover um sentimento de alegria e de pertença através de rituais e celebrações; Incentivar a criatividade e a arte como expressões de unidade e de inter-relação com o Universo."