Methods of Establishing Ethical Corporate Culture
Code of Conduct - Should identify values and ethics expectations of the company. They are most effective when supported by management and placed in sight of employees.Assessing the Risk of Fraud
If the company violates these requirements it is subject to a lawsuit by the employee.Fraud Prevention - The Most Cost Effective Way to Reduce Losses
Drop your PMI or MIP and some excess mortgage fees.. If the property is sold within the first 7 years, the MIP is prorated and seller can ask for the reimbursement of a portion.; 2% within the first 5-7 years and the rest for the life of the loan.PMI or MIP is 10% for conventional loan of your monthly mortgage payments.; It varies between the loan type, the down payment, how does the credit report/score looked when the loan was initiated, processed and closed, and debt to income at the time loan was processed.; So, as you can see, there are a lot of factors involved.; If you are borrowing more than 80% of the property value securing the loan (involved in the loan), then you have PMI added to your mortgage payments.; This portion of your monthly payment has no effect on your mortgage loan, insurance and does not benefit you at all.; This is a CLEAR CASH money to the lender at your expense.
1.; Real estate Rule one, two and three.; “Location, Location, Location.”; This means no-one should compare a property of a better subdivision with a property of a lower subdivision.; If your property is in a subdivision with lower standards, it requires a recent appraisal (lender decides who performs the appraisal). Judge: "Proceed."I knew that if I followed the Eagle I could maybe steal the fish.
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