Lenders, below are two links for Home Plus Program product information, marketing materials, and training systems. The social and economic benefits of homeownership are many. A home creates an asset that provides the ability to create wealth, borrow, and achieve self-reliance. Plus, renters may actually realize monthly savings on buying vs. Yet with increasing rents, stagnant wages, and high levels of student loan debt, it can be VERY difficult for first-time or boomerang homebuyers to save enough money for a down payment.
The DPA can be used toward the down payment, closing costs, or a combination of the two. Yet with increasing rents, stagnant wages and high levels of student loan debt, it can be VERY difficult for first-time or boomerang homebuyers to save enough money for a down payment.
Available statewide, all Counties, all Cities, within Arizona. All borrowers on the mortgage must have a minimum credit score of or better. Click Here for Score and Guideline Information. Home Plus Program Highlights. Dirk Swift on DPAs. September Article Part 3 of 3 September 5, July Article Part 2 of 3 July 24, May 11, Program Information.
What to do now? Click here. Home Buyer Resources. Frequently Asked Questions. Home Plus Program Funding. Program Lender Product Support. Home Plus Lender Support. Home Plus Az. Gov Portal - login req. Website Management.I love the finished product you provided us.
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A daily budget controls how much you will spend on a specific campaign per day. Your ads and sponsored stories stop showing once you hit your daily ad budget, helping your budget Facebook advertising rates based on each daily cycle. Lifetime budget lets you select how much you want to spend over the entire span of time a campaign is scheduled to run.
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Want to change you ad campaign. Images are a powerful tool you can utilize for creating engaging, eye popping Facebook ads. Learn how to make the most of your Facebook image ads.
Go crazy with the images. Posts and Facebook PPC ads with images get much higher engagement than those without, as they help your ad or post stand out from a flooded news feed. Add multiple images to your ads.
Add multiple images to a Facebook PPC ad for extra variety and to test how different images coupled with your ad text perform. You can upload up to six images to accompany your ads at no extra cost. Facebook has a grid tool to help ensure that your image ad follows the guidelines, but as Jon Loomer has noted, sometimes you can get around this simply by moving your text around slightly. What size image should you use. Facebook recommends uploading an image that is 1200x627 pixels for your ads.
Facebook advertising has some incredible targeting capabilities that can help you tailor your message and target your desired audiences. Take full advantage of Facebook advertising targeting options to create highly successful Facebook ad campaigns.
Take advantage of advanced targeting options. You can target audiences by location, age, gender, workplace, relationship status, language, education and more. Zone in on your ideal audience with interest targeting. In addition to the targeting options mentioned above, Facebook allows for some incredible deep interest targeting. This provides tremendous value, and the interest targeting capabilities alone can justify your use of Facebook advertising.
Make new friends or focus on the old. Keep an eye on your potential audience meter. Narrow your target with more categories. If you only have a few interests targeted, try adding related topics in the "More Categories" section. There you'll find options for narrowing your audience even further - choose users who have had a birthday recently, who upload a lot of photos on Facebook, etc. Want to bring customers in store.The hotels were great, travel connections were flawless and the provided map and instructions were accurate and easily followed.
All in all the holiday of a lifetime, without any worries This was the first time I booked a vacation with a tour company I found by internet research and not from a friend or trusted source. If you are on Trip Advisor as I was reading the reviews before booking - believe the glowing remarks - Nordic Visitor is terrific. It was a pleasure hearing her stories of Icelandic culture and history.
The hotels were pleasant - not luxurious but I wasn't expecting luxury on this trip. Each hotel had its own unique qualities. The food throughout the trip was superb. I am a research addict, which is why I love this site. But I was getting overwhelmed with all of our options for places to stay and what we should do. So after researching travel agents, we booked with Nordic Visitor.
I am so glad that we did. All of our transportation was covered and there, and we just showed up to the hotels and it was all set. They listened to what we wanted (eg: farm guest houses instead of hotels). They answered quickly whenever I had a question, and were very gentle and generous with answering what I am sure were obnoxious questions.
I would use them to book trips again in a heartbeat. The accommodations were incredible, even had the coveted room 202 at the Vik Icelandair Hotel!. My car and GPS were brand new, I was the 2nd person to use the car. It was an amazing trip, and when I come back I will use NV again.
Excellent service from the word 'Go'. At one point on the holiday there was a discrepancy between what was on our voucher and what the hotel thought were the arrangements for the evening meal, but after a quick e-mail from me she sorted it out there and then. Overall a great holiday experience, we were very pleased that after e-mail discussion with our consultant we changed our preferred vehicle to larger AWD type, in particular when travelling through the ice and snow.
We appreciated very much the map with hand written suggestions and all accommodation marked. The written itinerary was an excellent guide.Itel da file
Combined with the GPS supplied meant we did not get lost. We thought the tour was very professionally organised and we had no problems whatsoever and would certainly recommend Nordic Visitor. However personally we like to travel a little slower and would have liked at least one more 2 night stay in a hotel, as we felt some days seemed too long by the time we got to our accommodation.
We didn't enjoy the Western Fjords as much as the rest of the country and if would recommend others to spend a similar number of days in Iceland but without visiting the Fjords. The last day we felt was a bit of a rush to get the car back in time as we had an early flight the next day.
Thank you for a wonderful holiday. We were very impressed with the efficiency of everything which Nordic Visitor organised. The accommodation was varied and very friendly.If people ask your company to make changes to a product or service then compile the results and add the most requested features.
This isn't just true for the tech industry either, just look at product re-launches like Fanta Zero, which was in response to bad reviews of Diet Fanta.
Amazon, rather handily, lists their top reviewers and many of them have listed their email addresses here. You can browse this list, find relevant reviewers and ask them to cover your product. Alternatively, find a competitor's product, look at the reviewers, and approach them to review your product.
This works for lots of other e-commerce sites too. That's a wrap for now. In future posts I'll cover how to get reviews from the media and bloggers, how to use the power of your brand, and how social media can be used to get reviews. Mike Essex is Online Marketing Manager at Koozai Ltd and a contributor to Econsultancy.
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Follow him on Twitter. The good news is it's free and takes just seconds. Nick StamoulisAllowing consumers to post reviews directly to your site is both good and bad. It's good because it's one less step someone has to take to right a review of your products. It's bad because you might have to sort through a lot of spammy reviews in order to find good ones that actually help your site.
Consumers might also think you are only posting the positive reviews and will continue to look on 3rd party review sites. It would be good if there was software to filter the spam reviews out absolutely. Personally I'd include the good and bad reviews, and if there were too many bad ones I'd try to use the other steps above to make sure happy customers are also vocal to add balance. A few negative reviews can help to build trust, as it seems less like review fixing. There's a balance to be found definitely.
Liz BroomfieldGood ideas here.Dime lines are slowly disappearing as sports books look to make a larger profit during what is traditionally the slowest betting season. Several books still offer dime lines. Money lines change constantly.
The listed money line the time you make your bet may be different from the money line when the game starts. The listed line on your ticket is your official odds, unless starting pitcher is changed. This is explained later. You may wager that the total score of the game will be more or less than the number listed.
It makes no difference which team wins. Simply add the final scores of each team. If either doesn't happen, the bet is refunded. A favorite must win by 2 runs or more, or the underdog must either:(a) Win the game. The payout varies according to the money line odds assigned to each outcome. Note: Same rules apply to run line bets as totals. Baseball parlays are figured out by calculating the payout for the first game, based on the money line, then applying that amount to the next game, and so-forth.
If a game is postponed for any reason, the parlay reduces by one team. The bet is treated as if the postponed game were never included in the parlay.Dead by daylight 4k resolution
Simply ask the betting attendant at your favorite sports book what your payout would be before placing the bet. When making a baseball bet, you are betting team vs. You have the option to specify that either or both listed pitchers must start the game.Neurobion banned
Since baseball odds are determined on starting pitchers, any late pitching changes often force an adjustment in the odds. This will increase or decrease the payout on a winning ticket. However, if you list starting pitchers, and your pitcher doesn't start, then the bet is refunded. To bet on basketball, tell the ticket writer the bet number of the team you wish to bet, with the point spread, and the amount you wish to wager.
The Point Spread: When betting on basketball, the team you bet on must "cover the spread. The point spread is always placed to the immediate right of the team that is favored.
In this example, if you bet the Bulls, the Bulls must win by 4 points for you to win your bet.I would like also to mention that Kristin put this whole trip together for us with only 5 weeks notice, well done. We were very impressed with how smoothly everything went. Nordic Visitor did an excellent job of organising our trip. We just gave them our dates of arrival and departure and everything else was handled for us. This allowed us to focus on sight-seeing rather than worrying about routes or accommodations.
You can only see so much in a week though, so I guess we'll have to come back to this amazing destination. Although we have travelled a fair bit in various parts of the world, never have we had a vacation where, each night we sat down and listed off all of the things we'd never seen before-glaciers, geysers, volcanoes-hot springs- each day was filled with marvellous sights. We loved our entire package with Nordic Visitor and our tour guide was fantastic. We enjoyed the small group atmosphere very much (there were 6 of us).
We saw several tour groups of many, many more and would not be interested in a larger group, so the Nordic Visitor tour suited us perfectly. The highlighted map was really useful for planning the tour, and all the small written suggestions were the little bits that made the holiday special.
Overall, the standard of service provided through Nordic Visitor was of a high standard and we as a group have no complaints or criticisms.
We found the flexibility of a self-drive tour to be just what we required and with the time we has (15 days) we were able to see most of the accessible parts of the country that we sought. Clearly, in May, there are considerable limitations on experiencing the highlands area, but we understood that well before the trip. However, we were able to obtain some experience there on some tracks that were partly accessible (e.
Kjolur) as well as going on a flight from Myvatn. Hotels were always well located (most important), clean, excellent service and most with excellent views. Sofia was always very responsive and knowledgable. Using Nordic Visitor to arrange for hotels and transportation saved me a lot of time. And having them available in an emergency, made me feel like I had a trusted traveling companion.
I couldn't have been happier with my trip to Iceland. Everything was easy and taken care of. No hassle getting picked up late. All of my guides were friendly and informative. I can't wait to book another trip through Nordic Visitor. There were no bumps in the road.
Information provided and suggestions on what to see were extremely helpful. Just a great job overall Our overall experience was exceptional - I would not hesitate to recommend Nordic Visitor to anyone. We were in contact with Helga, and she was excellent. An amazing holiday that we hope to experience again sometime soon.
Enjoyed sipping a cocktail by the fire. Nice atmosphere with record player in the background. Iceland is a very beautiful country and there is so much to see.
We chose to travel to Iceland in November, which meant that winter weather and shortened daylight hours were major trip factors to account for during the trip planning. We usually plan vacation trips on our own, but we knew that we needed a tour company's guidance to help us make the most out of our trip. We found Nordic Visitor online and chose it after reading about the comprehensive services offered by the company. We corresponded at length before the trip was booked, and he was very responsive to all of my questions.
We selected the Pearls of the South and West (Winter) self-drive tour package, with two extra days. I inadvertently provided him the wrong information about our arrival date in Iceland, and he adjusted our itinerary right away.
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