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  • The Mortgage Lender Implode-O-Meter – tracking the housing finance breakdown, related to Alt-A and subprime mortgages, lending fraud, predatory lending, housing bubble, mortgage banking, foreclosures, debt, consolidation, lawyers, class-action lawsuits, subprime car finance.#Subprime #car #finance


    Housing Economic Crisis News Picks

    • The Fed Actually Begins its QE Unwind (BUT LESS THAN PROMISED) – [2017-11-10]
    • Reversing Course, Treasury Will Stop Seeking Long Maturities To Cushion Market – [2017-11-10]
    • America’s ‘Retail Apocalypse’ Is Really Just Beginning – [2017-11-10]
    • China Makes Historic Move to Open Market for Financial Firms – [2017-11-10]
    • Ringleaders Of A $20 Million Florida Mortgage Fraud Scheme Convicted – [2017-11-10]
    • Irish Border Throws Unexpected Hurdle Into Brexit Talks – [2017-11-10]
    • White Plains CPA Sentenced To 22 Months In The Big House – [2017-11-10]
    • Suffolk County Attorney Indicted For Money Laundering – [2017-11-10]
    • Madoff victims set to receive $772 million payout – [2017-11-09]
    • Equifax profit falls as hacking costs take toll – [2017-11-09]

    Latest Posts from the ML Forum!

    Go to the forum!

    Imploded* Lenders™

    About The Implode-o-Meter

    ML-Implode.com was created in late 2006 to raise the alarm about the then-burgeoning implosion of the historically-epic housing and economic bubble. Started as a modest web page created by founder Aaron Krowne, this objective was achieved by, uniquely, tracking the in-progress implosion of independent mortgage lending companies then being ignored by a mainstream media in denial of even the existence of the housing bubble. At that time, you were more likely to hear a partyline of “housing always goes up” and juvenile jeers of “bubbles are for bathtubs” from TV’s talking heads, than of even slight concern about a clearly-overextended, already-frozen housing market.

    Operated as a broadly-open community forum, ML-Implode quickly took the lead in news about the mortgage implosion and subprime crisis, as industry professionals flocked to the site to share and find out the latest. The site even became, in part, a whistleblower platform, fighting (and winning) half a dozen lawsuits to defend the right of its contributors to post about corruption and malfeasance in financial companies, and be able to do so confidentially.

    Despite its initial incarnation being rendered insolvent by these frivolous legal attacks, ML-Implode continues today in a stripped-down, lean-and-mean embodiment, remaining dedicated to tracking the fallout of the 2007-2008 credit crisis. This mission includes keeping tabs on recession/depressionary conditions, the policy response to the economic downturn and continued financial instability, the Fed and other global central bank interventions (including “ZIRP” and quantitative easing), actions and reforms of the monetary authorities, market manipulation (official and private sector), all global geopolitical conflict with economic roots, the evolution of the banking and monetary system (including dollar-alternative “reserve currencies”, gold, silver, and bitcoin and other “virtual currencies”), the effect of the economic turmoil on society, basic themes of economic fairness and justice, and much more.

    We continue to doggedly watch all of these interconnected topic areas, daily picking the most important stories and commentaries, and bringing them together in a convenient and comprehensible form on this site. If you share our concerns, utilize one of the icons at the top of this page to “follow” us by twitter, RSS, email, and more.

    Featured

    Subprime car finance


    Department of Finance, new business finance.#New #business #finance


    Browse Topics

    New business finance

    An independent review of the PGPA Act and the accompanying Public Governance, Performance and Accountability Rule 2014 (PGPA Rule) is currently underway, in accordance with section 112 of the Act. The review is being undertaken by Mr David Thodey AO and Ms Elizabeth Alexander AM.

  • New Travel Accommodation Arrangement

    The Department of Finance, on behalf of the Commonwealth, has reappointed AOT Hotels Ltd as the sole provider of accommodation program management services for the next three years, with options to extend for a further three years.

  • New Stationery and Office Supplies Panel

    The Department of Finance, on behalf of the Commonwealth, has appointed a new Stationery and Office Supplies Panel to provide savings through competitive pricing and conditions.

  • GrantConnect, the Commonwealth Government’s whole-of-government grant information system is now live.
  • Amended Commonwealth Procurement Rules to commence 1 March 2017
  • New Major Office Machines PanelNew business finance
  • The Department of Finance, on behalf of the Commonwealth, has appointed a new Major Office Machines (MOMs) panel to provide more competitive purchase, lease and maintenance costs. Also see the MOMs webpage.
  • New Government Air Travel Services PanelNew business finance

    The Department of Finance on behalf of the Commonwealth, has established a new panel to provide international and domestic air travel for the Australian Government.

  • 2016 Australian Government ICT Awards – Nominations now open

    Nominations are open now and will close 11.00 pm (AESDT) on Monday 29 February 2016. The Awards will be presented at the CeBIT Gala Dinner and Awards in Sydney on Tuesday 3 May 2016.

  • Discussion Paper – Shared and Common Services ProgrammeNew business finance

    The Discussion Paper seeks the views of interested parties on the most effective and efficient way to consolidate shared and common service delivery in a manner that represents value for money to Government.

  • Latest Publications

    New business finance

    The underlying cash balance for the 2017-18 financial year to 30 September 2017 was a deficit of $17,285 million.

  • Department of Finance Annual Report 2016—17 (20/10/2017)

    The Department of Finance Annual Report 2016—17 has been released in both web and PDF formats.

  • Australian Government Monthly Financial Statements July and August 2017 (13/10/2017)

    The underlying cash balance for the 2017-18 financial year to 31 August 2017 was a deficit of $8,784 million.

  • Department of Finance Corporate Plan 2017-18 (31/08/2017)

    The Flipchart sets out the information Finance has on the status of Commonwealth entities and companies at a particular date.

  • Australian Government Monthly Financial Statements May 2017 (30/06/2017)

    The underlying cash balance for the 2016-17 financial year to 31 May 2017 was a deficit of $30,427 million.

  • Parliamentarians’ Reporting (22/06/2017)

    – Parliamentarians’ Expenditure – Period 1 July to 31 December 2016

    – Former Parliamentarians’ Expenditure – Period 1 July to 31 December 2016

    – Parliamentarians’ Certification Details – Period 1 July to 31 December 2016

    – Former Parliamentarians’ Certification Details – Period 1 July to 31 December 2016

    – Office Costs – Period 1 July to 31 December 2016

    The underlying cash balance for the 2016-17 financial year to 30 April 2017 was a deficit of $36,078 million.

  • Australian Government Monthly Financial Statements March 2017 (5/05/2017)

    The underlying cash balance for the 2016-17 financial year to 31 March 2017 was a deficit of $38,907 million.

  • Australian Government Monthly Financial Statements February 2017 (31/03/2017)

    The Finance Minister’s report on AFMs issued in 2015-16 was tabled in Parliament.

  • 2017-18 Portfolio Budget Statements guidance (16/03/2017)

    The underlying cash balance for the 2016-17 financial year to 31 January 2017 was a deficit of $44,029 million.

  • Senate Order 12 – Production of Departmental File Lists (14/02/2017)

    The underlying cash balance for the 2016-17 financial year to 31 December 2016 was a deficit of $33,025 million.

  • RMG 200 – Guide to the PGPA Act for accountable authorities(AAs)

    The guide to the PGPA Act for accountable authorities is now available. This guide provides a summary of responsibilities for AAs under the PGPA Act.

  • Commonwealth Consolidated Financial Statement 2015-2016

    The underlying cash balance for the 2015-16 financial year was a deficit of $43,583 million.

  • RMG 206 – Model accountable authority instructions (AAIs)

    Updated Model accountable authority instructions (AAIs) for corporate Commonwealth entities (CCEs) are now available. The Model AAIs have been streamlined and improved.

  • Australian Government ICT Trends Report 2015-16
  • 2016-17 Portfolio Additional Estimates Statements (14/12/2016)

    The 2016-17 Portfolio Additional Estimates Statements guidance was issued on 13 December 2016.

    • Australian Government Monthly Financial Statements October 2016 (25/10/2016)

      The underlying cash balance for the 2016-17 financial year to 31 October 2016 was a deficit of $24,548 million.


    Healthcare ABL, healthcare finance.#Healthcare #finance


    Healthcare’s Preferred Lender

    When expertise, flexibility execution matter most.

    $2-20 Million

    Healthcare, asset-based loans

    Healthcare finance

    Who We Serve

    Gemino Healthcare Finance is one of the oldest and most respected healthcare-only lenders in the country, providing asset-based financing solutions to small and mid-size healthcare providers throughout the United States. With over 50 years of combined senior management healthcare finance expertise , Gemino provides revolving lines of credit, senior term loans, and real estate loans from $2 to $20 million for working capital, acquisitions and refinancings.

    Healthcare finance

    Healthcare finance

    Gemino specializes in healthcare; I would say they’re the best at what they do. They went out of their way to accommodate us; they’re not intrusive. They’ve been a very valued business partner to us. And I appreciated the relationship with the people at all levels.

    Bill Bucher EVP CFO, Axium Healthcare Pharmacy, Inc.

    Healthcare finance

    Healthcare finance

    Gemino understands reimbursement risks associated with various payers and other risks unique to healthcare. They are flexible in how they can structure a transaction and work with our clients’ other lenders or landlords to accommodate their growth objectives. The level of experience both in underwriting and portfolio management personnel together with their automated borrowing process makes them the most “user-friendly” senior debt lender in the field.

    Dan Brown CEO, Creative Healthcare Capital

    Healthcare finance

    Healthcare finance

    Compared to bank lenders, they’re more willing to look at the unique situations and evaluate them based on their merits. They’re more individualized. They look at each situation individually. Other lenders (banks) have a standard, a protocol and they get ground up if you fall outside those requirements. That was not the case with Gemino.

    Paul Taylor CEO, Ozarks Community Hospital

    Healthcare finance

    In terms of the healthcare industry, they really understand healthcare and they’re tuned into the nuances of what we face with regards to regulatory requirements. These change so rapidly and they’re very current… People talk about trust and reputation. What Gemino said was real and validated as we went through the process.

    Donna McNamara VP/COO, Unlimited Care

    Healthcare finance

    Healthcare finance

    They operated with a level of connectivity – they made it easy, positive and ‘personal.’ It was great that their leadership made time to come here and listen to our story directly. When we decided to increase our line of credit, their knowing us personally made it incredibly simple.

    Lani Fritts Managing Director, Trumpet Behavioral Health

    Healthcare finance

    The Gemino Difference

    We understand the unique challenges in today’s healthcare environment and we take the time to learn about your situation, providing a unique solution that meets your goals. With ready access to our experienced leadership and unsurpassed customer service teams, we’re committed to creating long-lasting partnerships, always delivering on our promises.

    Revolving Line of Credit

    Skilled Nursing Operator

    Revolving Line of Credit

    Revolving Line of Credit

    Revolving Line of Credit

    Home Health Agency

    Revolving Line of Credit

    Revolving Line of Credit

    Healthcare provider asset based lending that serves you.

    Healthcare finance

    Healthcare finance

    The Gemino Healthcare Finance agreement will provide Unlimited Care with the financial backing to strategically expand the array of services and to extend the provision of quality service to communities unserved by other home care providers.

    Jay Hoffman, Senior Vice President CFO, Southern Regional Medical Center

    I am pleased that the Gemino leadership team has worked with us to create a ‘win-win’ scenario in terms of ease of loan administration and positive customer service. We look forward to a longstanding relationship with Gemino over the coming years as we proceed with our business turnaround.

    John Prater, CFO, Lakeway Regional Medical Center

    Lakeway Regional Medical Center is excited about its partnership with Gemino Healthcare Finance. As a start-up full service acute care hospital Gemino provides Lakeway with the financial flexibility to pursue an aggressive ramp-up.


    Up Property – Melbourne Property Development – Investment, property development finance.#Property #development #finance


    If opportunity

    Strong property fundamentals, progressive thinking and creative vision sit at the heart of our methodology, and whether developing or investing, we approach every project with a dynamic drive to maximize returns while minimizing risk.

    HQ – Corner Cochranes & Chesterville Road

    Property development finance

  • Browns Park

    Noble Park North

    Property development finance

  • Lume – 1 Henry St

    Property development finance

  • 7-27 Gladstone Road

    Property development finance

  • 88 Ricketts Road

    Property development finance

  • Chambers Street

    Property development finance

  • The Percy – 54 Percy St

    Property development finance

  • The Banks – 180 Cox Road

    Property development finance

  • 71 Banyule Road

    Property development finance

  • North Rise – 182–188 Cox Road

    Property development finance

  • 7 Newry Street

    Property development finance

  • The Oxford

    Property development finance

  • Hanna Street

    Property development finance

  • 11-17 Colebrook Street

    Property development finance

  • The Grove

    Property development finance

  • 29-31 Industrial Ave

    Property development finance

  • 39 Ireland Street

    Property development finance

  • 8 Treforest Drive

    Property development finance

  • Five Haven – 5 Haven Court

    Property development finance

  • 1-8 Heytesbury

    Property development finance

  • 14-16 Wolseley Grove

    Property development finance

  • At Up Property we focus on development opportunities that offer the potential to create landmark projects.

    With extensive experience in bringing development projects to market, we manage all stages of the development lifecycle from acquisition, design and planning to sales, marketing and construction.

    Working with leading architects and consultants who share our passion for design and quality, we seek to redefine the benchmark for contemporary living.

    Up Property is dedicated to designing inspiring homes that represent the finest examples of architecture and liveability, achieving the best outcomes for those who own our properties, as well as the communities in which our developments have been built.

    At Up Property our strength lies in identifying and investing in commercial properties that have solid underlying fundamentals, a secure income stream and the capability to add significant value. This requires the keen ability to accurately assess the value of an asset today, and have the vision to see its potential tomorrow.

    Working together with leading consultants, we manage the entire investment process from carrying out due diligence, negotiating and structuring the acquisition, to arranging finance and ongoing asset management.

    Through continuous research and strong relationships with key property professionals, a wealth of industry knowledge, and experience in tracking market trends, Up Property is in a unique position to take advantage of emerging and exciting opportunities.

    Up Property Pty Ltd

    Level 1, 85 Union St

    Armadale Victoria 3143

    Property development finance


    Free Online Courses From Top Colleges, online finance courses.#Online #finance #courses


    online finance courses

    Academic Earth was launched on the premise that everyone deserves access to a world-class education. In 2009, we built the first collection of free online college courses from the world’s top universities. The world of open education has exploded since then, so today our curated lists of online courses are hand selected by our staff to show you the very best offerings by subject area. We also make sure there is something for everyone: whether you want to explore a new topic or advance in your current field, we bring the amazing world of academia to you for free.

    Watch the Video

    Online finance courses

    Featured Online Programs

    Capella University

    Minneapolis, MN & Online

    Walden University

    Liberty University

    Lynchburg, VA & Online

    American Intercontinental University

    Schaumburg, IL & Online

    Find Online Courses by Subject

    Explore Free Online College Courses from Our Featured Universities

    Massachusetts Institute of Technology

    Online finance courses

    Stanford University

    Online finance courses

    University of California, Berkeley

    Online finance courses

    Video Electives

    • Online finance courses

    Practical Math: How to Take a Punch

  • Online finance courses

    TL;DR Atlas Shrugged

  • Online finance courses

    TL;DR Fahrenheit 451

  • Online finance courses


  • SA Motor Loans Vehicle Finance Car Loans, car finance online.#Car #finance #online


    car finance online

    Car finance online

  • Blacklisted Finance Welcomed
  • Best Interest Rates
  • Finance up to 250k
  • Friendly Efficient Service

    Use the form below to apply for a personal or business/commercial vehicle loan.

    Car finance online

    Q : Can I apply for a motor loan if i’m blacklisted?

    A: Yes you can, if you do not have a perfect credit record, we will try to get your vehicle loan application approved.

    Q:How do I apply for a motor loan?

    A: You will need to complete our motor loan online application form to check if you qualify for a vehicle loan or please view criteria below . Click here to start the application process

    Q: Are your vehicle loans up to 250k per person?

    A : Yes we allow approved vehicle finance up to 250k per person. Please do a combined application if you are MARRIED/ENGAGED/LIVING TOGETHER (for AFFORDABILITY)

    Car finance online

    SA Motor Loans is leading the way with the best vehicle finance interest rates available from a wide range of major lenders as well as a friendly service. Whether you are buying your next vehicle from a car dealer or buying it privately, we make the approval process fast and simple.

    We specialise in many areas of vehicle finance, from cars and motorbikes to large truck and trailer vehicles. We can help with commercial/business vehicle loans.

    The application process is fast and efficient since there are no face to face interviews or long detailed paperwork to complete. Once you complete our online form and fax your relevant documents to us, we will process your application ASAP and get back to in the shortest time possible.

    We recognise that no two customers are the same, so we take the time to assess your individual needs and help you find the best motor loan that works for you.

    We take out the hassle and stress of finding a suitable vehicle loan that fits your individual needs. By making use of just one application form, we can apply to multiple lenders on your behalf. Let us do all the hard work for you.

    You will be pleasantly surprised at low interest rates we can negotiate on behalf of our clients. We are commited in finding our clients the best rates in the current vehicle finance market in SA.

    We now offer private vehicle finance for vehicles that cost more than R30000 and less than 10 years old.


  • Laptops on Finance, laptops finance.#Laptops #finance


    Buy Now Pay Later on Laptops, Macbooks and Desktops

    With technology becoming more efficient, widespread and reasonable than ever, laptop prices are going downhill. Even so, a high-specification model can cost anything between £400-£600 – which isn’t cheap! Buy Now Pay Later schemes allow you to reduce the financial burden of your purchases by paying in weekly or monthly installments over a set period. This flexible payment method empowers you to beat bad credit and buy laptops that were previously unaffordable. Therefore several laptop brands and retailers have come to your aid with ‘buy now pay later’ schemes, so you have to spend only a smidgen of every paycheck on your favorite gizmo!

    How Buy Now Pay Later Works for Laptops

    Different catalogues have different terms under their ‘buy now pay later’ plans. At Littlewoods, for example, the code 27ZG5 will allow to buy any product over £50 and pay up to 12 months. 12 months is an interest-free buy now pay later period, with no minimum monthly payments. You can also buy now and pay over 20 weeks on any purchase. Very and K Co have similar buy now, pay later options on laptops. Therefore, a £449 costing Acer E1 could be yours for less than £40 a month!

    If you wish to spread your costs further, buy now pay later plans can be extended up to 2 or 3 years, which are then charged interest. This makes your weekly/monthly payments almost infinitesimal! An Asus from Littlewoods could be yours for just £3 a week under these schemes.

    Buy Now Pay Later vs Paying Full Price for Laptops

    Confused whether you should open a credit account or pay for your laptop right away? Terrified that some hidden clause in your credit agreement will cost you your arm and leg? Is the long payment period triggering your commitment phobia? You may want to contemplate some of the advantages ‘buy now pay later’ has over paying full price at checkout.

    By paying only small amounts every week or month, you maintain liquidity for other bills or unexpected expenses. This is a wiser alternative to tying up a lump sum of money in a relatively illiquid consumer product like a laptop. Further, a credit account with a leading retailer like Perfect Home is an excellent way to show a reliable credit history. Getting approval for a credit shopping account is a lot easier than getting a credit card or mobile phone contract. It can thus be a stepping-stone to more credit in the future.

    With the increasing popularity of buy now pay later, all major catalogues have carefully elucidated their finance options on their websites and have dedicated sales teams to answer customer queries about ‘buy now pay later.’ This will help alleviate all your worries before you sign any credit agreement. Additionally, interest-free buy now pay later schemes don’t require you to pay a penny more than the cash price if you pay it back within the interest-free period. In short, you can’t lose with buy now and pay later, so start shopping now!

    How this Works

    1. Firstly, we will direct you to the #1 place online to buy a laptop on finance.

    2. You then choose the laptop you want, and any other products.

    3. You apply for a credit account.

    4. Now you just wait for approval and your brand new laptop!

    Please note that credit provided subject to successful credit and affordability checks.