Current Loan Rates, Fidelity Savings and Loan, current auto loan rates.#Current #auto #loan #rates


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Before you judge loan rates, Fidelity Savings would suggest that you consider the following question:

Is comparing APRs the best way to decide which lender has the lowest rates and fees?

The Federal Truth-in-Lending Act requires that all financial institutions disclose the Annual Percentage Rate (APR) when they advertise a rate. The APR is designed to present the actual cost of obtaining financing, by requiring that some of the closing fees charged at the loan settlement and closing be included, in addition to the interest rate, to determine the cost of financing over the full term of the loan.

For Adjustable Rate Mortgages (ARMS), the APR can be complex. Since no one knows exactly what market conditions will be in the future, assumptions must be made regarding future rate adjustments

You can use the APR as a guideline to shop for loans but you should not depend solely on the APR in choosing the loan program that is best for you. Also, the APR does not include all the closing costs. Look at total fees, possible rate adjustments in the future if you are comparing ARMS, and consider the length of time that you plan on having the mortgage financing for your home, etc.

Don t forget that the APR is an effective interest rate not the actual interest rate. Your monthly payments will be based on the actual interest rate, the amount you borrow, and the term of your loan.

Fidelity Savings accessible and experienced loan officers are glad to meet with you, without obligation, to help you evaluate alternative loan products and the financial impact on your monthly income. Fidelity Savings is recognized for its continued customer service both during and after the loan is granted. Fidelity Savings success in its community is seen through helping those with borrowing and deposit needs from today s generation, their parents and their grand-parents before them. Fidelity Savings is recognized for being a banking tradition since 1885. We can make a difference, Let us show you how!

Rates are accurate as of 11/13/2017. All rates are subject to change and are stated as of the date listed above. If you would like current rate information after the rate effective date, please call Fidelity Savings’ experienced Loan Officers at 215-788-0448 for more information on Loan Products, or Contact Us to send your communication to us.


Bank Of Oklahoma – Current Loan Rates #bad #credit #auto #loans #guaranteed #approval


#auto interest rates
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CURRENT LOAN RATES

1 The Annual Percentage Rate (APR) shown for New/Used Automobile is subject to approval and the presentment of a perfected lien on your vehicle. The APR quoted is offered depending on the individual’s excellent and substantial credit and key loan characteristics, including amount, term, vehicle age, and selecting auto payment from a qualified checking account. Individuals with less than excellent and substantial credit may be offered higher rates. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $255.76 for a 72 month loan at 7% APR with a $15,000 original balance.

2 The APR shown for Home Equity Lines of Credit is valid with a loan to value of 85% or less. The APR during the revolving period ranged from 4.50% to 5.50% as of June 1, 2015. The Margin offered is dependent on the individual’s excellent and substantial credit characteristics. Individuals with less than excellent and substantial credit may be offered a higher margin. Property insurance required including flood insurance where applicable. A $50 annual fee applies.

3 The APR shown for Home Equity Loans is offered on loans in first lien position with a loan to value of 85% or less. Property insurance required including flood insurance where applicable. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $337.86 for a 180 month loan at 6.00% APR with a $40,000 original balance.

4 The APR shown for Total Equity Lines of Credit is subject to approval. The APR is offered depending on the individual’s outstanding line of credit balance. Individuals with less than a $20,000 outstanding balance may be offered higher rates. A $50 annual fee applies.

All rates and terms are subject to credit approval and could change without notice. Member FDIC. Equal Housing Lender.


Bank Of Oklahoma – Current Loan Rates #best #used #cars


#auto interest rates
#

CURRENT LOAN RATES

1 The Annual Percentage Rate (APR) shown for New/Used Automobile is subject to approval and the presentment of a perfected lien on your vehicle. The APR quoted is offered depending on the individual’s excellent and substantial credit and key loan characteristics, including amount, term, vehicle age, and selecting auto payment from a qualified checking account. Individuals with less than excellent and substantial credit may be offered higher rates. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $255.76 for a 72 month loan at 7% APR with a $15,000 original balance.

2 The APR shown for Home Equity Lines of Credit is valid with a loan to value of 85% or less. The APR during the revolving period ranged from 4.50% to 5.50% as of June 1, 2015. The Margin offered is dependent on the individual’s excellent and substantial credit characteristics. Individuals with less than excellent and substantial credit may be offered a higher margin. Property insurance required including flood insurance where applicable. A $50 annual fee applies.

3 The APR shown for Home Equity Loans is offered on loans in first lien position with a loan to value of 85% or less. Property insurance required including flood insurance where applicable. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $337.86 for a 180 month loan at 6.00% APR with a $40,000 original balance.

4 The APR shown for Total Equity Lines of Credit is subject to approval. The APR is offered depending on the individual’s outstanding line of credit balance. Individuals with less than a $20,000 outstanding balance may be offered higher rates. A $50 annual fee applies.

All rates and terms are subject to credit approval and could change without notice. Member FDIC. Equal Housing Lender.


Advance Auto Parts Current Promotion #buy #a #car


#auto parts discount
#

Read our FAQs

GENERAL ONLINE DISCLAIMER

*Offers valid for online orders placed on November 30, 2015, before 11:59pm, ET using promo code CYBER at checkout. You must sign in to your account or create a new account during checkout, and place an order online at advanceautoparts.com. Orders must be placed for home delivery or in-store pick up. Promotion is not valid on purchases made at Advance Auto Parts retail stores, or on commercial transactions. Sorry—no rain checks. Customers who spend $30 during the promotional period will receive a Speed Perks coupon via email within one week of their qualifying purchase for $10 off of a future online order or in-store purchase of $20 or more. Customers who spend $100 during the promotional period will receive a Speed Perks coupon via email within one week of their qualifying purchase for $40 off of a future online order or in-store purchase of $80 or more. Speed Perks coupons are valid for 60 days upon receipt.

Not combinable with other promotional offers or coupons. Promotional codes are for single use only and have no cash value. Void where prohibited by law. Promotional codes and/or coupons apply to regular-priced merchandise only; sale and clearance items not eligible. Maximum savings discount is $50. Excludes gift cards, Hot Items and special offers including, but not limited to, Buy One–Get One, 2-For-1, and Oil Change Specials. Excludes select items and categories: air chucks, couplers and blow guns, air compressors, air hammers, commercial tools and equipment, electrical tools and testers, engine hoists/stands, floor jacks, generators, Hot Items, hydraulic fluid and motor oil. To qualify for the $10 coupon, your order total must be $30 or more, after the promotional code has been applied, and does not include core charges, shipping and handling charges, fees or taxes. To qualify for the $40 coupon, your order total must be $100 or more, after the promotional code has been applied, and does not include core charges, shipping and handling charges, fees or taxes. Coupons are limited to one per customer, are for single use only, have no cash value, and are not valid with any other promotional offers, or for commercial purchases. Void where prohibited by law.

Motor oil and other selected products are available for in-store pick-up only. Core charges, shipping and handling charges, fees, and taxes are not eligible when determining qualifying order. Applies to purchases of in-stock items only and is not valid for backorders, gift cards or gift certificates. AdvanceAutoParts.com and its affiliates reserve the right to correct, change, update or modify any sales, promotions, coupons, and related offers at any time, in their sole discretion, except as prohibited by law.

Receive free Standard Shipping to addresses in the continental United States on orders totaling over $75. Shipments to Alaska, Hawaii or U.S. Territories are not eligible for Free Shipping offer. To qualify for free shipping, your order total must be $75 or more, after any promotional discount has been applied. Core charges, shipping and handling charges, fees, and taxes are not included in the calculation of order total. Motor oil is available for in-store pick-up only, due to shipping restrictions. Items purchased using the In-Store Pickup option will be available for seven days from the date the order was placed. Any unclaimed orders will be cancelled and returned to stock.

FAQs:

Q: When do I get my $10 or $40 coupon?

A: Coupon codes will be emailed to all qualified customers within one week of their qualifying purchase and can be used within 60 days of receipt. Please make sure we have a valid email address on file and that you have not opted out of receiving email from Advance Auto Parts or you may not receive the email containing your coupon code.

Q: How much do I have to spend to qualify?

A:To qualify for the $10 coupon, your order total must be $30 or more, after the promotional code has been applied, and does not include core charges, shipping and handling charges, fees or taxes. To qualify for the $40 coupon, your order total must be $100 or more, after the promotional code has been applied, and does not include core charges, shipping and handling charges, fees or taxes. Customers must be registered and signed in. Orders must be placed on November 30, through 11:59pm ET using promo code CYBER at checkout.

Q:What if I place multiple orders of $30 or more, or $100 or more during the qualifying period, will I receive multiple coupons?

A: Sorry, coupons are limited to one per customer.

Q: What happens if I return my qualifying order do I still get to use the coupon?

A: We understand there may be a need to return items from your qualifying order and will not restrict you from using the coupon if items were returned in good faith. However, we do screen aggressively for abuse and will block abusers from using the coupon.


Religious education teaching that – Christianity is superior #radio #new #zealand, #public #radio, #news, #current #affairs, #audio, #podcasts


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Religious education teaching that ‘Christianity is superior’

The government is being accused of breaching the Bill of Rights Act with religious instruction in schools.

The Secular Education Network has filed a case with the Human Rights Review Tribunal. saying the Education Act allows religious favoritism in state schools, which it says is prohibited under the Bill of Rights.

Its spokesman, David Hines, a retired journalist and lay preacher, said Section 78 of the Education Act allowed a school to hold religious instruction for up to an hour a week or 20 hours a year.

But he believed all religions should be taught in an academic way – the Christian religion should not be given preferential treatment – and the impact could be damaging for other people.

“It’s a spit in the face for every other religion, it is saying that Christianity is superior,” he complained.

“It is telling the Jews that the Bible is a Christian book when the Jews have substantially the same book but put a different interpretation on it.

“It is a put down for atheists because it says you have got to believe in God to live a good life.”

David Hines has gathered 26 witnesses for his case, including 13 parents who said their children were mistreated.

One of them is Tanya Jacob, who had to pull her children out of their school in Christchurch.

“We knew there were going to be these bible classes so we thought we would just opt out,” she said.

“Over time we found that our kids were being put back in (to the class) and we found they were being told they were going to Hell.

“They were also being badgered for not believing in God.”

Joining the case along with Mrs Jacob were leaders from five religions saying their beliefs were misrepresented.

Another witness was Paul Morris, Professor of Religious Studies at Victoria University.

He examined three religious instruction courses used in schools and found defects in all of them.

“They present Christianity from an evangelical perspective,” he said.

“The teachers’ guides include prayer sessions, thanking God for the Bible, thanking God for the miracles, they do not address students who come from different faith worlds.”

The Christian Education Council issued a statement defending its position.

The council, whose expressly stated aim was to equip and inspire children through values-based Christian religious education, said more than 600 schools throughout New Zealand invited in its religious instructors each week.

It said it was the largest provider of religious instruction in the country, and was passionate about its continuation in New Zealand’s state schools.

However, Mr Hines argued that the religious instruction being done by this group was not, strictly speaking, legal.

He said the Bill of Rights Act prohibited state institutions from favouring one religion over another, but the Education Act allowed exactly that.

“Those two laws are in conflict with each other,” he said.

“And we are asking the tribunal to make a ruling that the laws are inconsistent, and send a report to parliament saying they should consider changing the law.”

Mrs Jacob said she pulled her children out of school for religious instruction that should not have existed, she said.

“It’s got nothing to do with normal education,” she said.

“If you want your children to be brought up in a faith, then you take them to church or the temple or a mosque.

“That is not for school time. All our kids should be able to go to school without being made to believe in things or be harassed for not believing in things.”

The attorney general was not commenting on the upcoming hearing, nor was the Ministry of Justice, except to confirm that a case has been filed.

No date for a hearing has been set but the battle lines have been drawn, with senior lawyers, including a QC, hired for representation.


Electrical PDF courses ~ Electrical Knowhow #online #electrical #courses, #free, #electrical #software, #electrical #books, #electrical #spreadsheets, #electrical #design, #sound #system #design #course, #voltage, #power, #transformer, #current, #voltage #drop, #generator, #circuit #breaker, #fuse, #cable, #low #voltage, #high #voltage, #wire, #power #factor, #title #block, #cad #drawing, #nec #code, #nfpa #70, #method #statement, #electrical #procurement, #tendering, #short #circuit, #over #voltage, #switch, #receptacle, #ligh #fixture, #lighting, #grounding, #bonding, #earthing, #lightning, #raceway, #fire #alarm, #smoke #detector, #bms, #cctv, #switchgear, #panel, #busbar, #automatic #transfer #switch, #demand #factor, #capacitor, #resistance, #coil, #battery, #ampere, #horsepower, #watt, #switchboard, #schedule, #single #line #diagram, #quantity #survey, #bill #of #quantities, #specification, #copper, #aluminum, #sensor, #strobe


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Electrical PDF courses

  1. click on the file name that you want to download
  2. a new page will open, don’t care about the message “these files are temporary unavailable”,
  3. Look in the upper right corner of the page, you will find an arrow point to down,
  4. click this arrow the download will start automatically.
  5. after downloading, you will need to enter your password to open the file.

Non-registered members in Electrical-Knowhow website will not be able to open and read Our PDF Courses.

To register as a member of Electrical-Knowhow website, do the following:

On completion of this course the target person will be able to:

  • Understand the technology, concepts and terminology of Electrical Motors.
  • Recognize different types, theory of operation, components and accessories of Electrical Motors.
  • Specify correctly any type of Electrical Motors for certain applications.




On completion of this course the target person will be able to:

  • Understand the concepts. terminology and basics for lighting design,

  • Recognize lighting sources, fixtures and lamps,

  • Understand day lighting design basics.

3- An Introduction to Heating, Ventilation and Air Conditioning (HVAC) Systems

On completion of this course the target person will be able to:

  • Understand the technology, concepts and terminology in the design of HVAC systems.

  • Recognize different types, components and accessories of HVAC systems.
  • Specify correctly any type of HVAC systems.

4- Electrical Load Estimation Course

On completion of this course the target person will be able to:

  • Recognize different calculation method for electrical load estimation.
  • Understand the procedures and logic of each method for electrical load estimation.
  • Perform the calculations steps of each method for electrical load estimation.

Our country is now implementing the K 12 program. we are now on the grade nine. I am one of those experts assigned to develop learning materials for the grade 10. Your guides are explained in a very friendly way that even those who are not so good in English can understand because of the very nice presentations. I wish I could use some of the information if your group will allow us granted that the learning materials will be for reference only. All the information you have given is enough for an instructional designer to develop his own. To all of you thank you and may god will always give you wisdom in helping the people world wide. I am from the Philippines GOD BLESS.

I give you a permission to use the learning materials in this website as a reference for your learning materials and if you need any help, just send me email or comment.


Texans CU – Products – Current Rates – Auto Loan Rates #suzuki #auto #parts


#auto finance rates
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Recreational Vehicle Loans 6

* Rates are shown as Annual Percentage Rates. Lowest rates currently available as of 9/1/15 and reflect a 0.25% automatic payment rate discount. Rates and terms are determined by the overall creditworthiness of each applicant, and are subject to change. Final rate subject to increase based on final approved Loan to Value. Qualified co-borrower may be required. Some restrictions may apply. Available to qualified applicants 18 and over. Lowest rate is not applicable for internal refinances. Financing is not available for salvaged or branded title vehicles. Proof of insurance required.

1. Maximum vehicle mileage of 85,000. For loans with mileage over 85,000, add additional 1% to rate.

2. Rates also reflect a 0.50% equity discount. Ask your loan officer for more details and to find out if you qualify.

3. Minimum loan amount of $5,000 required.

4. Minimum loan amount of $20,000 required. Loans less than this amount may qualify for shorter financing terms.

5. Minimum loan amount of $30,000 required. Loans less than this amount may qualify for shorter financing terms.

6. Rates and terms applicable to Boat, RV, Motorcycle and 5th-Wheel loans only. Maximum age of vehicle is 10 years. Personal Watercraft, and Motorcycles have max 60 month term.

Example: Based on a $25,000 loan amount, the minimum monthly payment is $438.08 over a 60-month loan at 1.99% APR.


Bank Of Oklahoma – Current Loan Rates #acura #auto #parts


#auto interest rates
#

CURRENT LOAN RATES

1 The Annual Percentage Rate (APR) shown for New/Used Automobile is subject to approval and the presentment of a perfected lien on your vehicle. The APR quoted is offered depending on the individual’s excellent and substantial credit and key loan characteristics, including amount, term, vehicle age, and selecting auto payment from a qualified checking account. Individuals with less than excellent and substantial credit may be offered higher rates. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $255.76 for a 72 month loan at 7% APR with a $15,000 original balance.

2 The APR shown for Home Equity Lines of Credit is valid with a loan to value of 85% or less. The APR during the revolving period ranged from 4.50% to 5.50% as of June 1, 2015. The Margin offered is dependent on the individual’s excellent and substantial credit characteristics. Individuals with less than excellent and substantial credit may be offered a higher margin. Property insurance required including flood insurance where applicable. A $50 annual fee applies.

3 The APR shown for Home Equity Loans is offered on loans in first lien position with a loan to value of 85% or less. Property insurance required including flood insurance where applicable. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $337.86 for a 180 month loan at 6.00% APR with a $40,000 original balance.

4 The APR shown for Total Equity Lines of Credit is subject to approval. The APR is offered depending on the individual’s outstanding line of credit balance. Individuals with less than a $20,000 outstanding balance may be offered higher rates. A $50 annual fee applies.

All rates and terms are subject to credit approval and could change without notice. Member FDIC. Equal Housing Lender.


Advance Auto Parts Current Promotion #autohaus


#auto parts discount
#

Read our FAQs

GENERAL ONLINE DISCLAIMER

*Offers valid for online orders placed on November 30, 2015, before 11:59pm, ET using promo code CYBER at checkout. You must sign in to your account or create a new account during checkout, and place an order online at advanceautoparts.com. Orders must be placed for home delivery or in-store pick up. Promotion is not valid on purchases made at Advance Auto Parts retail stores, or on commercial transactions. Sorry—no rain checks. Customers who spend $30 during the promotional period will receive a Speed Perks coupon via email within one week of their qualifying purchase for $10 off of a future online order or in-store purchase of $20 or more. Customers who spend $100 during the promotional period will receive a Speed Perks coupon via email within one week of their qualifying purchase for $40 off of a future online order or in-store purchase of $80 or more. Speed Perks coupons are valid for 60 days upon receipt.

Not combinable with other promotional offers or coupons. Promotional codes are for single use only and have no cash value. Void where prohibited by law. Promotional codes and/or coupons apply to regular-priced merchandise only; sale and clearance items not eligible. Maximum savings discount is $50. Excludes gift cards, Hot Items and special offers including, but not limited to, Buy One–Get One, 2-For-1, and Oil Change Specials. Excludes select items and categories: air chucks, couplers and blow guns, air compressors, air hammers, commercial tools and equipment, electrical tools and testers, engine hoists/stands, floor jacks, generators, Hot Items, hydraulic fluid and motor oil. To qualify for the $10 coupon, your order total must be $30 or more, after the promotional code has been applied, and does not include core charges, shipping and handling charges, fees or taxes. To qualify for the $40 coupon, your order total must be $100 or more, after the promotional code has been applied, and does not include core charges, shipping and handling charges, fees or taxes. Coupons are limited to one per customer, are for single use only, have no cash value, and are not valid with any other promotional offers, or for commercial purchases. Void where prohibited by law.

Motor oil and other selected products are available for in-store pick-up only. Core charges, shipping and handling charges, fees, and taxes are not eligible when determining qualifying order. Applies to purchases of in-stock items only and is not valid for backorders, gift cards or gift certificates. AdvanceAutoParts.com and its affiliates reserve the right to correct, change, update or modify any sales, promotions, coupons, and related offers at any time, in their sole discretion, except as prohibited by law.

Receive free Standard Shipping to addresses in the continental United States on orders totaling over $75. Shipments to Alaska, Hawaii or U.S. Territories are not eligible for Free Shipping offer. To qualify for free shipping, your order total must be $75 or more, after any promotional discount has been applied. Core charges, shipping and handling charges, fees, and taxes are not included in the calculation of order total. Motor oil is available for in-store pick-up only, due to shipping restrictions. Items purchased using the In-Store Pickup option will be available for seven days from the date the order was placed. Any unclaimed orders will be cancelled and returned to stock.

FAQs:

Q: When do I get my $10 or $40 coupon?

A: Coupon codes will be emailed to all qualified customers within one week of their qualifying purchase and can be used within 60 days of receipt. Please make sure we have a valid email address on file and that you have not opted out of receiving email from Advance Auto Parts or you may not receive the email containing your coupon code.

Q: How much do I have to spend to qualify?

A:To qualify for the $10 coupon, your order total must be $30 or more, after the promotional code has been applied, and does not include core charges, shipping and handling charges, fees or taxes. To qualify for the $40 coupon, your order total must be $100 or more, after the promotional code has been applied, and does not include core charges, shipping and handling charges, fees or taxes. Customers must be registered and signed in. Orders must be placed on November 30, through 11:59pm ET using promo code CYBER at checkout.

Q:What if I place multiple orders of $30 or more, or $100 or more during the qualifying period, will I receive multiple coupons?

A: Sorry, coupons are limited to one per customer.

Q: What happens if I return my qualifying order do I still get to use the coupon?

A: We understand there may be a need to return items from your qualifying order and will not restrict you from using the coupon if items were returned in good faith. However, we do screen aggressively for abuse and will block abusers from using the coupon.