Housing Grants for Single Mothers

Maslow’s hierarchy of needs states that in order to survive there are four basic needs that all human beings need for developing healthy psychologically; food, water, warmth, and shelter. For a single mother, these four things can be hard to provide when dealing with a struggling economy. That is why there are ways to help single mothers like yourself get the help you need in providing adequate shelter for your family. No one should worry about where there next bed will be and if they’ll have shelter before the next storm. >

Habitat for Humanity

The Habitat for Humanity is a form of a housing grant for single mothers. Unlike usual grants it is not in the form of money. Instead it is in the form of a home that is built by a group of volunteers and the family who will use the home. To qualify for this form of housing assistance you must meet certain financial criteria. You must also be willing to volunteer to help build a future Habitat for Humanity home for another needy family or single parent in the future. Contact your local housing authority or the department of social services for more information on the Habitat for Humanity program.

The Family Unification Program

Sometimes families become separated due to the inability of the single mother to provide adequate and safe housing for her children. This doesn’t mean that the children have been taken away only that they may be staying with relatives temporarily. The Family Unification Program provides a grant voucher to parents who are in need of help in purchasing or renting safe housing for themselves and their family. This program is available through HUD, or the Housing and Urban Development Association. The program is only available to people whom the department of social services have deemed in great need of safe housing. A lack of safe housing must be the only reason preventing the parent from having their child or children living with them.

Housing Choice Vouchers

Although these vouchers are not technically grants they work in the same way. As a federal program, the Housing Choice Voucher provides assistance to single mothers as well as low-income families to help with acquiring affordable housing grants for single mothers. With this program a landlord is paid a subsidy of the rent for the mother. The rest is paid for by the mother.

Affordable housing shouldn’t be stressful. Providing a home should be something everyone can do.

Stacy Montes is a single mom of 3 who writes for the website, Single Mom Financial Help. On the website there are many articles and resources for single mothers, such as how to get grants for single mothers.

Main Benefits Of Pre-approved Housing Loan

Getting a pre-approved housing loan can save a lot of time and hassle for all parties involved in a property transaction. In fact, it is getting more common that real estate agents actually decline potential customers who do not have a pre-approval in hand before searching for a home. This is understandable as knowing the parameters of your property search eliminates the prospect of finding a place you want to buy but cannot afford to. In that scenario, everybody’s time and resources are wasted.

If you are new to this term, these are the main benefits of obtaining a pre-approved housing loan.

1) When house hunting, you can easily screen out the properties that you cannot afford. Property listing are all over the internet and daily newspapers. There are so many available places for sale that sometimes you can be full for choices. Knowing your budget will enable you to easily use a filter option to discard listings that you cannot afford. Your real estate agent will also be more productive by only seeking places for you that are within your financial budget.

2) A seller wants a concrete buyer who has the financial capacity to agree to a deal. Your pre-approval provides the confidence for the seller to commit to an agreement. The buyer can then take the property off the market with more confidence that the deal will be honored.

3) You may have heard of stories of people who had paid a down payment for a home purchase and had to later forgo the down payment because they couldnt find a lender to support their purchase. These circumstances do happen. It will be terrible to lose your hard earned cash this way. A pre-approved housing loan eliminates this anxiety altogether. You can go about agreeing to deals fully knowing that you have secured the funds to close the transaction.

Pre-approval housing loans have been around for a long time because it serves a very useful purpose for a home buyer. Make good use of its availability and go about house hunting with more peace of mind.

Big Residential Project In Pune

Pune real estate development is booming like never before. Many Residential and Commercial projects have come up in recent years. The reason for Pune real estate development is due to many IT companies as well as MNCs and auto companies having set up their manufacturing as well as corporate offices in Pune. The Radius of real estate development in Pune has extended to areas like Hadapsar, Pashan, Sinhagad road, Aundh, Hinjewadi, Balewadi, Wakad etc., which were once considered as suburbs of Pune.

The trend of real estate projects have changed over the years. Builders and Developers are coming up with innovative projects with international and state of art facilities and amenities. Pune has seen mega residential projects as well as townships.

Among the first mega residential township project was Magarpatta City Hadapsar and Nanded City Sinhagad road Pune.

Magarpatta City is an award winning and internationally appreciated model of integrated development and self-sustainability. Magarpatta City is a city within a city having commercial zone, residential neighborhoods, school, hospital, shopping malls, hotels, restaurants and recreation places. This Integrated Township is spread over 400 acres with Residential, Commercial & IT development along with proper emphasis on Environment, Education, Healthcare, Fitness, Recreation, and Security. Large floor plates are provided for office space with high efficiency and offer seamless scalability options. Buildings are designed as per International norms, state-of-the-art amenities provided like multiple Internet Service Providers and telecommunication, 100% Power back-up, ample parking space, high-end security system etc. Magarpatta City features a walk to work-home-recreation lifestyle, futuristic residential marvels, a very contemporary commercial zone, and a globally renowned IT park. Magarpatta City has also won accolades for eco-friendly features and pollution free environ. With a fully fledged shopping zone, recreation facilities and offices in its campus, just take a walk daily to your office.

Nanded City Sinhagad road Pune.

Nanded City is the natural extension of the world famous and award winning Magarpatta City Model. Spread over 700 acres of lush greenery, Nanded City will house 1/2/2.5/3/4 BHK apartments, bungalows and villas, hospital, school and recreation facilities. The commercial district will boast of a presence of Corporate Houses, IT Players, Animation and Gaming Companies. And with 230 acres reserved for greenery, Nanded City will enjoy pollution free air, eco-friendly features and self-sustainable systems. A life in tune with nature!

CIMB Group Raup RM 4.35 Billion Profit for 2012

CIMB Group Holding Berhad announced a net profit of RM 4.35 billion in fiscal year 2012. This figure is up 7.8% over the same period the previous year.

“We return a high profit for FY12 because almost all business units to increase revenue numbers,” said Group Chief Executive, CIMB Group, Dato Nazir Razak in Kuala Lumpur, Malaysia, Wednesday (04/17/2013).

Recorded earnings are equivalent to net earnings per share valued at 58 cents and the rate of return on equity of 16%.

The company achieved net profit in the fourth quarter of FY12 stood at RM 1.082 billion, or 5.3% lower than 3Q12 net income, and lower by 4.5% from 4Q11 net profit, amounting to RM 1.133 billion.

“CIMB Group’s revenue in FY12 experienced increased 11.3% over the same period previous to RM 13.495 billion,” he added.

Net interest income rose by 10.6% while non-interest income increased 12.7% due to capital market transactions exceeded the highest plus increasingly aggressive treasury market activities.

“Without taking into account the advantages and CIMB Aviva deconsolidation amounted to RM250 million in 4Q11, an increase in non-interest income amounted to 19.8%,” said Nazir.

Increase in CIMB Group’s profit before tax was higher by 9.1% to RM 5.678 billion.

“Profit before tax generated regional consumer banking unit of CIMB Group in 2012 rose 23.9% to RM 2.323 billion,” he said.

PT CIMB Niaga Tbk (BNGA) to contribute pre-tax profit by 34% to CIMB Group. 2015 is expected to increase to 40%.

“I think 2015 could be 40 percent,” said Razak.

Even so, the Group has no plan to add an injection of capital into CIMB Niaga. “If Mr. Arwin capital may ask, but I think it has been pretty,” he continued.

Nazir said the target is given as see good prospects in the banking market in Indonesia.

“We see the ratio, very attractive. Terms of the macro-economy is also growing rapidly. Macro management and banking regulation is good,” said Nazir.

On the same occasion, President Director of CIMB Niaga, Arwin Rasyid, said CIMB Niaga has committed to continue to develop products and services micro and small enterprises (MSEs) in Indonesia while maintaining good credit quality.

“Our initiative is in line with Bank Indonesia regulations that establish bank credit portfolio in the MSE sector by 20 percent in stages by 2018,” said Arwin.

Responding to these rules, the CIMB Group is also committed to undergo such a rule.

“The rule is good, we will obey it,” he continued.

Projected industry growth of 6.5 percent

National industry growth is projected to end the year at 6.5 percent, in line with national economic growth sought to remain above six per cent.

“I am optimistic the industry growth of 6.5 per cent until the end of the year,” Industry Minister MS Hidayat said after giving the poor kapada Eid gifts and employee groups I and II in the Ministry of Industry, said here on Thursday.

He asserted that the target can only be achieved if other ministries involved escorting a number of investment plans in the industry in order teralisasi this year.

Ministry of Industry, he added, still rely on labor-intensive industries, such as textiles and footwear, as well as other technology-intensive industries and are able to give effect to the creation of the industry chain and new business growth as a draft.

“Labor-intensive industries absolutely must be maintained and are allowed to survive,” said Hidayat. It was judged too important to keep going no huge unemployment in the country.

Hidayat believes processing industry, including the furniture industry, still has a growing trend, compared to primary raw materials-based industries whose prices are falling. Moreover, he said, consumption in the domestic sector is still a mainstay of the national economy, in addition to investment and exports.

“The government agreed to seek national economic growth of not less than six percent,” said Hidayat, who had previously participated in a meeting with the Governor of Bank Indonesia five economic ministers to discuss the current macroeconomic situation.

To keep the national economic growth remained above six per cent, he said, among other things to keep the unemployment rate did not increase, so labor-intensive industries play an important role.