1. Morality in America...How do we respond?


    from River of Life Church Added 30 0 0

    There is no question that morality in America has decreased. The question is, How do we respond? Pastor Kyle has two very real ways we should be responding instead of just complaining on Facebook or whining to our neighbors.

    + More details
    • Is Your Pre-Approval Reliable?


      from Home Loan Experts Added 20 0 0

      http://www.homeloanexperts.com.au/home-loan-articles/how-reliable-is-your-pre-approval/ How can you find out if your pre-approval is reliable? Did you know that the bank can decline your loan if the property doesn't meet their requirements? Find out how to protect yourself! --------------------------------------------------------------------------------------- Do you know the difference between a conditional approval and a final approval? http://www.homeloanexperts.com.au/home-loan-articles/home-loan-pre-approvals/ What do you do once you have gotten pre-approved? http://www.homeloanexperts.com.au/home-loan-articles/after-you-have-been-pre-approved/ --------------------------------------------------------------------------------------- Video transcript: Is Your Pre-Approval Reliable? Has your home loan been pre-approved? Did you know that your bank still has the right to decline your application? And sometimes they do! We'll show you how banks work and what you can do to protect yourself from having your loan declined. Meet Jack. Jack has just won an auction and has paid a deposit for his dream home. Unfortunately for Jack, his bank doesn't accept the property and they turn around and decline his loan! Jack is now in a mad rush to find another lender to approve his loan before he loses his deposit. Doesn't sound fun, does it? So what actually is a pre-approval? Pre-approval is an indication from a lender that they are willing to approve your loan, as long as the property that you buy is acceptable and that your situation hasn't changed. Did you know that in many cases, a pre-approval is not fully assessed by the lender? Often it hasn't even been to their credit department or to their mortgage insurer! This is why "on the spot" pre-approvals aren't worth the paper that they're written on. Unfortunately for Jack, the lender is under no obligation to formally approve his loan now that he's found a property. So now what happens to Jack now that he's won an auction, and his loan has been declined? Well if Jack doesn't do something quickly, he may lose his deposit and he can even be sued by the seller! So how could Jack have protected himself? The key is to find out how your application has been assessed. Ask your lender, "Has my loan been approved by the credit department?". If it hasn't then ask them to actually look at your application properly! Before you make an offer on a property, double check with your lender or mortgage broker. They can check if the property that you're interested in meets the bank's lending policy. And finally don't quit your job or take out a giant car loan after you've been pre-approved! If your situation changes, the pre-approval is no longer valid. Got that? Great! Also, if you waive your cooling off period or if you buy at auction, then you're taking a risk. There's no backing out. It's not a good idea to buy at auction unless you're in a strong financial position and you have a big deposit. By following these steps and asking the right questions, you can avoid being in the same situation as Jack. This time, Jack got lucky. He called the Home Loan Experts and we were able to find him a lender that would approve his loan. Congratulations Jack!

      + More details


        from THIBAUT Benoit Added 2,320 6 1

        THE DECLINE à l'ECHO DU OAN'S Juin 2014 Merci à toute l'équipe de l' ECHO

        + More details
        • Decline


          from Tauernhof Austria Added 279 1 0

          Thanks for watching.... Please like the video and share the video!!! Do you find life can be draining and unfullfilling and sometimes seem like a decline. In everyones life we all have to make a decision. Those decisions end with a consequence. Sometimes the consequence can be good and similiarly it can not. This video hopes to releate with you where life is unpredicable and challenges do arise and you will have to make the choice!! What will your choice be? Music: Miranda Shvangiradze - Piano Samples 10 AlbieG - Summer Party Mix 2013 (Remixed By Lucas Klaassen) Naming Gavagai - 30 Giorni in Time Lapse Contralogic - Assorted Ambiences preview; Bon Iver - Holocene Piano Instrumental

          + More details
          • TPC 5-25-2014


            from Ken Evers-Hood Added 10 0 0

            "Looking for the Invisible Church" a sermon by the Rev. Dr. Ken Evers-Hood. Delivered at Tualatin Presbyterian Church on May 24, 2014. Scripture text: First Acts 17:22-31

            + More details
            • Skratch's Garage Full Kustom Bell Helmet


              from Alan Davis Added 43 1 0

              Shot this for an editorial piece in Decline magazine at world famous hot rod customizer Skratch's Garage in Burbank, California. He painted up a Bell Full-9 helmet for us using a whole bunch of different techniques to make it look completely unique and cool.

              + More details
              • SYS - The digital (d)evolution of Occupy Wall Street


                from Studio Antani Added 2,386 5 1

                SpreadYourSelf - Measurement #1 - The digital evolution of Occupy Wall Street and Lady Millard SpreadYourSelf - SYS - is a universal data visualizer based on the Arduino YUN microcontroller. It works in real time with online data and controls the visual interface. SYS is accurate and precise and is a useful tool for presenting complex data in a simple, understandable and clear way. READ MORE ABOUT IT ON: spreadthisandthat.tumblr.com

                + More details
                • Homeless LGBTIQ youth report


                  from Luigi Pangaro Added 178 0 0

                  A report on homeless LGBTIQ youth in Australia. Shot in 2010-finished in 2014. Shot in SD, because of style reasons. I was unsure whether I should release this video, but I just can't leave something undone.

                  + More details
                  • Chinatown


                    from Exhibit-it Added

                    Chinatown, once ablaze with neon signs has faded and sits amidst chaos of addiction and homelessness. I have grown in appreciation of the resilience of individuals and communities as they deal with personal hardship, economic and health struggles.

                    + More details
                    • The Local Church IS the Hope of the World


                      from South Bossier BC Added 19 0 0

                      What needs to happen in our churches in 2014?

                      + More details

                      What are Tags?


                      Tags are keywords that describe videos. For example, a video of your Hawaiian vacation might be tagged with "Hawaii," "beach," "surfing," and "sunburn."