C a r form #standard #forms,information,news


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Finance Helpline

Provides you with invaluable one-on-one assistance with finding a Lender, loan qualifications, Down Payment Assistance, closing transactions, underwriting, short sales, funding, payoffs, REOs, Deeds in Lieu, and overall preparing your Clients for homeownership, for any of your mortgage related questions or issues. Speak to a trusted mortgage advisor for REALTORS today!

Customer Service

Looking for additional assistance? The Customer Contact Center is looking forward to serving you Monday through Friday between the hours of 8:30 a.m. and 4:45 p.m.

Legal Hotline

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zipForm® Products

zipForm features easy-to-use navigation that lets you move quickly through documents and transactions

Electronic Signatures

Simplify the transaction with secure electronic signatures

Forms Advisor™ & Forms Tutor®

Free advice to help you understand the form youre using with Forms Tutor and identify which form you need for your transaction with Forms Advisor™

Standard Forms

C.A.R. Standard Forms are developed by the C.A.R. Legal Department which gathers input from real estate professionals and attorneys to create user-friendly, comprehensive, and dependable forms.

Forms Libraries

Access many additional forms libraries available to you within your zipForm account

Broker Services

Manage all of your REALTOR agent accounts, transactions and forms effortlessly and efficiently

C.A.R. Training Center

C.A.R. Training Center is a members one stop shop for all products sectioned off by member types. i.e New Members, Advanced Members, Returning members and Member specialist.

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DC Power of Attorney #district #of #columbia #power #of #attorney, #al


USLegal Forms

District of Columbia Personal Planning Package

District of Columbia Power of Attorney

Power of Attorney for District of Columbia

A power of attorney allows an agent to act on your behalf based on the terms of the document, whether a General Power of Attorney, Limited Power of Attorney, Child Care Power of Attorney or others.


District of Columbia Uniform Power of Attorney Act

The District of Columbia Uniform Power of Attorney Act is the law that allows you to appoint an agent to act on your behalf when you’re unable to handle it yourself, due to an accident, illness, absence, or other reason. Some of the important things to know about this law are explained below:

  • A durable power of attorney stays effective if you become physically or mentally incapacitated. An power of attorney District of Columbia form is durable unless it contains language stating that it will be terminated by the incapacity, incompetency, or disability of the principal (creator). Section 26-1A-104
  • The document must be signed by the principal or someone signing on his/her behalf, as long as it’s signed in the presence of and at the request of the principal. A notarized signature is presumed to be genuine if there’s a dispute over the signature’s authenticity. Section 26-1A-105
  • Unless specified otherwise, an District of Columbia POA form will be effective as soon as it is signed. However, you can create what is called a springing power of attorney form, which only takes effect after a specified date or event occurs. Section 26-1A-109
  • The termination of the appointed agent’s authority can occur in various ways:
  • It is a nondurable power of attorney and the principal becomes incapacitated.
  • The principal dies.
  • The principal or a court appointed fiduciary revokes the document.
  • The purpose of the POA has been accomplished.
  • The power of attorney form states a terminating date or condition, which has occurred.
  • The agent dies, resigns, becomes incapacitated, or has his/her power revoked by the principal, and the power of attorney does not provide for another agent
  • The agent and the principal file a lawsuit for legal separation, annulment, or divorce, unless stated otherwise in the form. Section 26-1A-110
  • You can appoint co-agents or successor agents. If co-agents are appointed, their authority is effective during the same time period. Co-agents are presumed to have independent authority to act, unless stated otherwise. If you wish co-agents to agree on the matter before acting, you must state so. Successor agents have authority to act on the principal’s behalf only when the previously appointed agent resigns, dies, becomes incapacitated, is disqualified to serve, or is otherwise unable to serve. Section 26-1A-111
  • The creation of a health care power of attorney is also possible. In a medical power of attorney form, the agent is granted authority to make medical decisions regarding the provision, withholding, or withdrawal of life-sustaining treatment and artificially provided nutrition and hydration for the principal. However, the agent must be specifically authorized to do so in a durable power of attorney that complies with the requirements of the District of Columbia Natural Death Act. Section 26-1A-404

General Power of Attorney

Q: What is a General Power of Attorney

A General Power of Attorney is a legal document which gives the person you choose (the agent) the power to manage your assets and financial affairs while you are alive. The document must be signed by you (the principal) while you have the required legal capacity to give your agent clear and concise instructions. The appointment may be for a fixed period and can be revoked by you at any time providing you still have the legal capacity to do so. A power of attorney ceases when you die. The executor named in your will then takes over the responsibilities of your estate.

Living Will and Health Care Power of Attorney

Q: What is a Living Will and Health Care Power of Attorney?

A: A Health Care Power of Attorney is a legal document that allows an individual to designate another person to make medical decisions for him or her when he or she cannot make decisions for himself or herself. In other words it names someone who stands in your shoes and tells the doctors what to do or what not do for you.

A Living Will is a document that allows a person to explain in writing which medical treatment he or she does or does not want during a terminal illness. A terminal illness is a fatal illness that leads ultimately to death. A Living Will takes effect only when the patient is incapacitated and can no longer express his or her wishes. The will states which medical treatments may be used and which may not be used to die naturally and without the patient�s life being artificially prolonged by various medical procedures. Although the term Living Will may indicate that it is a Will, in reality, it is more similar to a Power of Attorney than a Will.

Limited or Special Power of Attorney?

Q: What is a limited or special power of attorney?

A: A Limited power of attorney is one which is limited to a specific act or particular purpose. It is also referred to as special power of attorney. A limited power of attorney allows the Principal to give only specific powers to the agent.


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Best UK Equity and Bond Funds #oeics, #unit #trusts, #fund #prices,


Welcome to Morningstar.co.uk!

You have been redirected here from Hemscott.com as we are merging our websites to provide you with a one-stop shop for all your investment research needs.

Get Started: To search for a security, type the name or ticker in the search box at the top of the page and select from the dropdown results.

Registered Hemscott users can log in to Morningstar using the same login details. Similarly, if you are a Hemscott Premium user, you now have a Morningstar Premium account which you can access using the same login details.

Morningstar.co.uk contains data, news and research on shares and funds, unique commentary and independent Morningstar research on a broad range of investment products, and portfolio and asset allocation tools to help make better investing decisions.

For more information:

  • Find out more about Morningstar and the website
  • Read our top tips for getting the most out of Morningstar.co.uk
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  • See a comprehensive list of Morningstar.co.uk features
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Welcome to Morningstar.co.uk!

You have been redirected here from Hemscott.com as we are merging our websites to provide you with a one-stop shop for all your investment research needs.

Get Started: To search for a security, type the name or ticker in the search box at the top of the page and select from the dropdown results.

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Morningstar.co.uk contains data, news and research on shares and funds, unique commentary and independent Morningstar research on a broad range of investment products, and portfolio and asset allocation tools to help make better investing decisions.

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  • Find out more about Morningstar and the website
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Ferguson Showroom – Aurora, CO – Supplying kitchen and bath products,


Aurora, CO 80011 – Ferguson Showroom


  • Appliances
  • Cabinets
  • Lighting
  • Faucets
  • Plumbing Fixtures
  • Vanities
  • Cabinet Hardware
  • Countertops
  • Plumbing
  • Showers
  • Sinks
  • Toilets
  • Whirlpools and Tubs
  • Mirrors
  • Bathroom Lighting
  • Ceiling Fans
  • Chandeliers
  • Outdoor Lighting
  • Pendant Lighting
  • Cooktops
  • Dishwashers
  • Ovens
  • Refrigerators


  • Cabinet Design
  • Certified Lighting Consultant
  • Extended warranties for appliances
  • Financing programs
  • Job-site measure for cabinets
  • Job-site Walks for Lighting
  • Lighting Design Services


With friendly, knowledgeable product experts and the latest selection of bath, kitchen, appliance lighting products, Ferguson helps make your dream home a reality. At Ferguson Bath, Kitchen Lighting Galleries, you ll find the largest offering of quality brands, a symphony of ideas, and dedicated consultants to help coordinate kitchen and bath projects. When you walk into a Ferguson Showroom, you’ll appreciate the incredible quality of products ranging from lighting fixtures, kitchen and bath sinks, kitchen stoves, refrigerators, and many more home appliances. Let one of our expert product consultants help guide you to products that fit the scope of your job and budget. When you need help finding the right kitchen, bath or lighting products, Ferguson has you covered.


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NOC 2011 – 2171 – Information systems analysts and consultants –


National Occupational Classification NOC 2011

2171 – Information systems analysts and consultants

Information systems analysts and consultants analyze systems requirements develop and implement information systems development plans policies and procedures and provide advice on a wide range of information systems issues They are employed in information technology consulting firms and in information technology units throughout the private and public sectors or they may be self employed

  • computer systems analyst
  • informatics consultant
  • informatics security analyst
  • information systems business analyst
  • information systems quality assurance analyst
  • IT information technology consultant
  • management information systems MIS analyst
  • systems auditor
  • systems consultant
  • systems security analyst
  • Computer and information systems managers (0213)
  • Computer engineers except software engineers and designers (2147)
  • Computer programmers and interactive media developers (2174)
  • Database analysts and data administrators (2172)
  • Financial auditors and accountants (1111)
  • Professional occupations in business management consulting (1122)
  • Software engineers and designers (2173)
  • Web designers and developers (2175)
  • The following is a summary of the main duties for some occupations in this unit group

    • Information systems business analysts and consultants confer with clients to identify and document requirements conduct business and technical studies design develop integrate and implement information systems business solutions and provide advice on information systems strategy policy management security and service delivery
    • Systems security analysts confer with clients to identify and document requirements assess physical and technical security risks to data software and hardware and develop policies procedures and contingency plans to minimize the effects of security breaches
    • Information systems quality assurance analysts develop and implement policies and procedures throughout the software development life cycle to maximize the efficiency effectiveness and overall quality of software products and information systems
    • Systems auditors conduct independent third party reviews to assess quality assurance practices software products and information systems
    • A bachelor s degree in computer science computer systems engineering software engineering business administration or a related discipline
      Completion of a college program in computer science is usually required
    • Experience as a computer programmer is usually required
    • Certification or training provided by software vendors may be required by some employers

  • 06/09/2017

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    Income Tax Filing Requirements #tax, #taxes, #turbotax, #irs, #filing #status, #irs


    Income Tax Filing Requirements

    With the second half of tax season here, it s time to get those gears in motion to start filing. Tax season means getting your paperwork and finances in order. While it may not seem exciting, filing taxes is manageable. Plus you may have a tax refund waiting. An overall understanding of the filing process is a great place to start.

    IRS Filing Requirements

    If you re a U.S. citizen or resident alien and you meet filing requirements, you are required to file an income tax return.

    According to the IRS, you must check these income requirements to determine if you required to file:

    • Gross Income: All your income including wages, tips, capital gains, tips, gambling winnings, and more should be claimed on your taxes if in 2016 it is at least:
      • Single: $10,350
      • Married (filing separately): $4,050
      • Married (filing jointly): $20,700
      • Head of Household: $ 13,350
      • Qualifying widow(er): $ 16,650
    • Filing Status: The five filing statuses are single, married (filing separately), married (filing jointly). head of household, and qualifying widow(er) with dependent child. Your filing status has a bearing on the deductions and exemptions you can take.
    • Age: If you re 65 or older, you can have a higher gross income before you re required to file taxes.
      • Single: $11,900
      • Married (filing jointly) one spouse 65 older: $21,950
      • Married (filing jointly) both spouses 65 older: $23,200
      • Head of Household: $14,900
      • Qualifying widow(er): $17,900

    What exactly is your adjusted gross income?

    Your adjusted gross income is basically your entire gross income minus any allowable tax deductions called above the line deductions. Some of them include:

    • Health Savings Account
    • Moving Expenses
    • Self-employed Health Insurance
    • Alimony Paid
    • Student Loan Interest
    • Tuition and Fees

    Your adjusted gross income is not the same as your taxable income.

    What s the difference between your adjusted gross income and taxable income?

    After your adjusted gross income has been calculated, you are then allowed to either take a standard deduction or itemized deductions. The standard deduction ($6,300 single, $12,600 married filing jointly) or itemized deductions, whichever one you are eligible for and gives you the lowest tax liability is subtracted from your adjusted gross income.

    Final Thoughts

    Even if your income is below the income filing requirements you should still file your taxes if you had federal taxes taken out since you may see your withholding come back in the form of a tax refund especially if you are eligible for a refundable tax credit like the Earned Income Tax Credit. Every year the IRS reports close to $1 billion in unclaimed refunds and the average unclaimed refund is about $700. Also, if you purchased health insurance in the Health Insurance Marketplace, you need to file to report your health insurance status.

    Don t worry about knowing these tax laws and how to make these calculations. TurboTax will ask you simple questions and calculate your taxable income and give you the tax deductions and credits you are eligible for based on your answers.

    How are you preparing this tax season?

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    3 Untapped Data Sources for Nonstandard Underwriting #non #standard #auto #insurance


    3 Untapped Data Sources for Nonstandard Underwriting

    The nonstandard auto insurance market can be a profitable growth area for insurers who recognize its unique traits.

    While existing underwriting tools that use credit file data are effective when applied to the standard insurance market, these tools are not as effective when applied to a large segment of the nonstandard auto insurance demographic. Specifically, reliance on data from: the major credit bureaus and public files such as LexisNexis produce incomplete, inaccurate and often no results. This can translate into higher premiums, (which can make insurers less competitive in the market), weaker underwriting, and greater exposure to fraud and identity verification challenges. Lack of visibility into this often transient or discreet customer group becomes even more challenging and potentially costly when we take into context the growth of this population of consumers.

    There is a high correlation between Non Standard Insurance customers and the underbanked. A recent report by Stone Ridge Advisors states:

    The [nonstandard] sector has evolved to include drivers who purchase insurance policies with the state mandated minimum limits, typically lower income drivers or recent immigrants to the United States. The customer base is also characterized as one that typically pays for an auto insurance policy on a monthly basis, makes purchasing decisions based primarily on the cost of the initial down payment for the policy, and has a high cancellation or non- renewal rate. Higher rates of insurance fraud and staged accidents are also more prevalent among the non-standard auto customer base than among the standard or preferred auto insurance customer base.

    This last evolution of the nonstandard definition overlaps well with those within the underbanked segment who have financial challenges that disproportionately weight their insurance purchase decisions. When underwriting policies, many insurance organizations access credit reports’ insurance scores, or use their own scoring tools which may included credit information as a variable within their models. Often the underbanked produce little to no information (thin file or no hit) when their credit report is accessed through the three major bureaus.

    So what’s so bad about the credit bureau data and public file that we use now? When data on the underbanked is returned from credit bureaus, typically in the header field, it is usually stale and subsequently not as relevant. The data can be as much as seven years old. Using trade line data to illustrate this point can be elusive given that the underbanked, as mentioned earlier, often produce thin file or no hit returns. Time at a given address might be better means to demonstrate how applicable traditional bureau data is. According to FactorTrust’s Underbanked Index (May 2013) the underbanked average two years at the same address. Given the frequency of changes among this demographic, traditional bureau data which can exceed two years, may no not be as effective at reducing fraud and executing other underwriting practices.

    Existing bureau data also fails to use non-traditional data assets to develop a more accurate profile of the underbanked customer. Non-traditional information such as IP addresses and payroll data, can also support fraud prevention, improve employment, and Identity verification along with other stability measures. Payroll data, for example may be good to consider when attempting to improve premium stability. IP address can contribute to fraud preventions efforts.

    Finally, public data that is available via products like LexisNexis often does not provide visibility into recent immigrants as they may overlap with the nonstandard auto insurance customer. A recent FDIC Study (2011 National Survey of Unbanked and Underbanked Households) claims that Hispanics one of the fastest growing consumer segments make up 28.6% of the underbanked population. Their participation in the nonstandard market makes having the most accurate up to date data critical to success. As the Stone Ridge Advisors report says: “Given the projected growth in the Hispanic population in the U.S. and their growing share as part of the non-standard auto sector, we would expect continued growth in the non-standard auto market.”

    Growth in the underbanked market will require better data tools to predict behavior, identify consumers and reduce fraud. Here are three ideas:

    1.Supplement credit bureau data with non traditional data

    Many insurance organizations have integrated third-party data, such as claims records, into their predictive models. Adding non-traditional data is a continuation of this logic. Most nonstandard insurance providers are well versed in handling, interpreting and capitalizing on data, but even the most sophisticated ones are starting to identify and integrate additional third party data in order to improve their models. Actively identify and partner with the kinds of organizations that can furnish your organization with meaningful data assets.

    2.Work with a bureau that specializes in the underbanked

    Leverage third-party models scoring and data ingredients as you execute your process. Working directly with an FCRA Compliant Credit Bureau with data on the underbanked can improve fraud reduction, identity verification, stability and marketing in a meaningful way. FactorTrust not only provides regular updates on the underbanked, it also develops predictive models and scoring and and raw data elements that insurers can use as ingredients in their home grown modeling and predictive tools.

    Individuals within the underbanked segment tend to operate in time frames of weeks rather than months given their cash constraints. Having current data is important for making underwriting decisions. As you overhaul your systems, work towards real-time updates. Obtaining real-time data should be an objective both for internal systems as well as partner and vendor technology. Having a current update on the underbanked consumer that your servicing, will support your efforts to minimize risk, fraud, and cost. It can also mean the difference between being able to price a product and not having a consumer that meets your underwriting requirements.

    About the Author: Grant Brown is senior consultant partner and chief executive officer of Raymore, Mo.-based Profluent ePayment Consulting .


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    Highest Tax Saving Bank Fixed Deposit Rates 80C – May 2017


    Highest Tax Saving Bank Fixed Deposit Rates U/S 80C May 2017

    Highest Tax Saving Bank Fixed Deposit Rates 80C May 2017

    Tax Saving Fixed Deposits one of the most popular way to save taxes u/s 80C of income tax. These are like normal Fixed Deposit with banks but is labeled as “Tax Saving FD” while making the deposit.

    Why you Should Invest?

    1. Convenient to invest. ICICI Bank, SBI, HDFC Bank, etc offers online facility for Tax Saving FD
    2. Redemption on maturity comes directly to your bank account
    3. High Safety FD up to Rs 1 Lakh is insured

    Why you Should Not Invest?

    1. There are lot of competing products like EPF, PPF, ELSS to exaust the investment of Rs 1.5 Lakh u/s 80C
    2. The interest earned is taxable
    3. Cannot be withdrawn prematurely
    4. Cannot be pledged to secure loan or as security

    Tax Saving Fixed Deposit Interest Rate

    Bandhan Bank and Bank of India have reduced their interest rates (compared to last month) on tax Saving FDs.

    Also State Bank of Bikaner and Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala and State Bank of Travancore have merged with State Bank of India effective April 1, 2017.

    As of May 1, 2017 banks are offering 6.00% 7.50% for general public and 7.00% 8.00% for Senior Citizens.

    1. The best Tax Saving Fixed Deposit Interest offered is 7.50% for General Public byThe Ratnakar Bank
    2. The best Senior citizens Tax Saving Fixed Deposit Interest offered is 8.00% by The Ratnakar Bank

    The table below lists the banks in alphabetical order with their respective interest rate offer on Tax Saving FDs for General and Senior Citizens.

    The highest Interest Rates have been highlighted :

    Taxation TDS Tax Saving Fixed Deposits:

    The interest received on tax Saving Fixed Deposit is fully taxable. The interest income is considered as income from other sources for Tax filing and taxed at marginal tax rates applicable.

    TDS would be deducted at the rate of 10% of the interest paid, if the interest paid exceeds Rs 10,000 in a financial year. You can see the same in Form 26AS .

    In case your income does not exceed taxable slab and so want to avoid TDS, you can submit Form 15G or 15H when making the deposit. You would also need to submit the form at the start of every financial year to the concerned bank branch.

    Key Points – Tax Saving FD:

    Below are some of points to keep in mind while investing in Tax Saving Deposits:

    1. As the Tax Saving FD scheme was introduced in Budget of 2006, it s also known as Tax Saving Deposit scheme 2006 (Notification Number 203/2006 and SO1220 (E) dated 28/07/2006)
    2. Most of the banks accept deposit of 5 Years only. However there are banks with deposit tenures of more than 5 Years
    3. You can deposit on either Single or Joint name. However benefit of tax deduction is available for first holder only.
    4. Most banks offer interest rate which is similar to their 5 years term deposits. Only a few banks give slightly higher interest rate for their Tax Saving Fixed Deposits
    5. Most banks give Senior citizens and their staff members additional interest of 0.25% to 0.5%
    6. Depositor can opt for either cumulative or non-cumulative way of crediting periodical interest
    7. Don’t be mislead by banks advertisements about their yield on Tax Saving FDs. Those are manipulative calculations
    8. Be cautious of small co-operative banks as they have higher risk than bigger private and public sector banks
    9. Depositor gets benefit U/s.80C of the Income Tax Act. 1961
    10. Minimum deposit is Rs.100 and in multiples thereof
    11. Maximum deposit in a Financial Year Rs.1,50,000/- [i.e. 1st April to 31st March of the following calendar year]
    12. Deposits cannot be withdrawn prematurely
    13. Deposits cannot be pledged to secure loan or as security

    Disclaimer:We have tried to keep interest rates up to date, but as these change frequently you are advised to check with the bank before investing. Also it would be great if you can point out any errors through comments or email!

    Direct link for Interest Rates on FDs of Banks:

    Below is the direct link for Interest Rates of Major Banks. You might want to check the interest rates before doing your FD.


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