Dallas Private Investigator,  MJB GROUP LLC Lic # A17231 Private Investigators, Criminal Defense Investigators, CIVIL PROCESS SERVICE, Electronic Digital Surveillance Specialists, FORENSIC CELL PHONE EXAMINER, PRIVATE INVESTIGATOR TRAINING ACADEMY in Dallas, Fort Worth, Lewisville, McKinney, Denton, DFW, Texarkana, Tarrant County, Dallas County, Collin County, Kaufman County, Ellis County, Bowie County, ...read more

Contact us at (844) 656-6432 in Dallas, TX, for more information on specialty chemicals. ENIPEAK NIGERIA LIMITED 11520 N Central Expressway, Suite 205 Dallas, TX 75243 Phone: (469) 528-5630 Contact Email: enipeak@enipeakltd.com Main Keywords: specialty chemicals ...read more

Ever thought of becoming a PRIVATE INVESTIGATOR?  There are many routes one can take to enter into the profession.  Many states have rigid restrictions on just how to apply and receive private investigator credentials.  Over the past decade Texas has developed and improved upon written guidelines for those wanting to enter into the profession as a private detective. For those readers who are truly interested in taking that step please follow these url links: http://www.statutes.legis.state.tx.us/Docs/OC/htm/OC.1702.htm http://www.txdps.state.tx.us/rsd/psb/admin_rules.htm Of course we all know that "thinking of becoming" and actually taking the step toward such an incredulous route of employment uncertainties can leave much doubt on one's mind if becoming a private detective is even worth the time and/or effort.  For those who have taken the journey and stayed hard and fast to the craft, they have learned the true value and have earned the distinction of "private eye". It is not an easy road, however, that question seems a little rhetorical when realizing that hard work, long arduous hours, and untold candlelight vigils, never come easy.  Couple that with a necessity to keep abreast of the latest technology and criminological developments, one wonders if the road is straight, or, is it forked and guarded.  There is certainly no clear path (or road) to become a private eye. However, MJBGROUP PRIVATE INVESTIGATORS - SECURITY TRAINING SCHOOL LLC, like many other institutions of higher learning, have opened it academic doors to what is called the Private Investigator Internship and Apprenticeship Program. The program features can be found by visiting the url site at http://www.mjbgroup-dallas.com.  After visiting the site one must ask "is a 40 hour classroom program sufficient time to prepare a person to become a private eye"?  The answer of course is no.  It is not merely in the one week of training that creates a professional "private eye", rather, it is in the quality of the continued training and the commitment of the applicant/candidate to complete the internship program of training and on-the-job assignments.  MJBGROUP LLC requires the applicant/candidate to commit the first full year of internship/apprenticeship similar to that type of training and dedication found in other professions requiring similar high standards of training, learning; and applying that training in real world scenarios.  For those interested in acquiring the skills to become a true professional private detective it would seem that an internship/apprenticeship program may just be one example of the right road to follow.    ...read more

We are continuing our review of potential candidates to work at our Dallas Office as Private Investigators within ourINTERNSHIP/APPRENTICESHIP PROGRAM. In order to be accepted as an apprentice Investigator and hence, become gainfully employeed in the investigative profession with MJBGROUP you will need to a. Review and ensure that you qualify to receive Texas Private Investigators credentials by visiting -http://www.statutes.legis.state.tx.us/Docs/OC/htm/OC.1702.htm(Texas Occupations Code 1702) -http://www.txdps.state.tx.us/rsd/psb/admin_rules.htm(Texas Private Security Rule) b. Set in a preliminary interview at Dallas with theMJBGROUP Dallas Branch Manager, Rebecca Woodul. She will be in contact with all applicants within the very near future. c. Be able to pass a Texas DPS Criminal History background check (completed by us at no cost to the candidate). d. Complete a work history statement to cover the last ten years of employment. This statment will also include the last ten years of residences. If prior military the applicant will be required to provide DD 214. e. Attend theNovember 29 through December 4, 2012PRIVATE INVESTIGATOR 40 HOUR BASIC TRAINING; at your expense. We have reduced our normal fees to $325.00. f. Upon successful completion of b, c, d, and e, MJBGROUP would tentively accept those candidate(s) into theINTERNSHIP/APPRENTICESHIP PRIVATE INVESTIGATOR PROGRAM. Upon acceptance into this program we will register that person and obtain the required PRIVATE INVESTIGATOR license (at no cost to candidate) in order to begin investigative duties at MJBGROUP. g. Once accepted into theINTERNSHIP/APPRENTICESHIP PRIVATE INVESTIGATOR PROGRAMapprentices will be required to complete a one (1) year assignment (either part time and/or full time) as a practicing PRIVATE INVESTIGATOR, under the direct supervision of the MJBGROUP DALLAS BRANCH MANAGER. Each candidate will be required to sign a "commitment clause" basically acknowledging that a person holding a private investigator license who is in theINTERNSHIP/APPRENTICESHIP PRIVATE INVESTIGATOR PROGRAM, will not operate, function, act, display, or state that he/she is a private investigator, unless under the specific guidance of an MJBGROUP active investigation and/or assignment. failure to follow this clause will be immediate grounds for recall of said MJBGROUP issued private investigator license, and release from the program. h. During the one yearINTERNSHIP/APPRENTICESHIP PRIVATE INVESTIGATOR PROGRAMeach candidate will be required to attend (at no cost to the apprentice)continued training education (CE)that is designed to help improve knowledge and skills in the private investigator profession. Upon completion of each monthly 8 hour course the apprentice will receive a Certificateof Course Completion. These training programs are valued at well over$1,500-$2,000, however, are being provided to the apprentice as one of several incentive programs of the MJBGROUP. ...read more

If your drive has crashed or data has been deleted or even if your drive has been submerged in water or burned in a fire, don't think that your data is completely gone. We specialize in all types of hard drive recoveries no matter what the failure is. we have been in business since 1981 with a success ratio of 96%. please visit www.datarecovery.net or call 877-304-7189 and be sure to mention Merchant Circle. ...read more

Hello, and welcome to the online blog of Mirmura.com and Mirmura.com's owner, Astrologer Shawn Lee. Thank you for taking the time to visit and read. First things first, we could all use more assurances when it comes to anything involving business and money these days. To that affect I'd like to begin by making it clear to all that Mirmura.com is primarily a Cyber/Online-Only business with no physical location other than my home computer. And so you'll notice no specific business address in my business listing and in order to publicly protect the privacy of my home. Rest assured, however, Mirmura.com conducts no business without the security of PayPal ever standing by to assure that the only way my client's part with their money is happily. Ah, well, anyway, again, welcome, and now, back to the new frontier.   ...read more

Villareal&Associates; LLC has a wide range of services. We offer: 1.) Full Asset Searches 2.) Spousal misconduct 3.) Surveillance 4.) Child support assistance 5.) Missing Persons Skips 6.) Civil and Criminal Process service 7.) Employment Screening 8.) Bad debt recovery/Collections 9.) Background Criminal Searches 10.) Complete Credit Investigation Service 11.) Credit Approval Service 12.) Litigation Support- We assist attorneys with investigative services both Civil and Criminal ...read more

Student loan consolidation apps pile up www.wwslc.com NEW YORK (AFX) - Once again, the student loan industry is facing a backlog of applications from borrowers who want to consolidate their debt and lock in low rates. Although far fewer students and recent graduates submitted applications ahead of the July 1 deadline than last year, the bulk of them have yet to be processed and may not be funded before the fourth quarter. This means that investors in securities backed by these loans should expect rising prepayments for the rest of the year and a diminished 'safety' cushion in outstanding securities as collateral is pulled. SLM Corp., also known as Sallie Mae, said last week that $4 billion of the Federal Family Education Loan Program loans it owns or services were consolidated in the first half of the year, and it expects to fund more than $7 billion of consolidation loans later this year. By comparison, $17.1 billion of Sallie Mae's FFELP loans consolidated in 2005. Nelnet Inc., another industry leader, said last week that $1 billion of its FFELP loans were consolidated in the first half and the company expects to fund another $2.5 billion in consolidation loans over the third and fourth quarters. By comparison, Nelnet funded just $2.1 billion of loans for all of 2005, but this figure doesn't include loans that were consolidated with other lenders. Both companies disclosed the figures during their second quarter earnings conference calls. While the volume of student loan consolidation is off significantly from last year, it still means hundreds of thousands of borrowers who expected to keep making low interest payments could be paying new, higher rates for several months. It also means investors who bought securities backed by these loans will continue to see them prepay at a rapid clip for the remainder of the year, forcing them to put their money back to work elsewhere. That's not necessarily bad, since rising interest rates could allow them to reinvest the proceeds more profitably. But investors can lose some of the safeguards on the money they still have invested in student loan backed securities when prepayment rates rise too high, too quickly. The fewer loans in the pools of collateral backing these securities, the less excess funds there are available to offset potential losses. Claire Mezzanotte, a managing director in the structured finance group at Fitch Ratings, said prepayment rates on some pools of FFELP loans the company analyzes have topped 50 percent in recent months. That means over half of the loans in a given pool have consolidated over the life of the deals. But the analyst said that, to date, there have been no downgrades. For the lenders themselves, the picture is also mixed. Consolidation loans yield less than unconsolidated Stafford and PLUS loans, but they also have higher balances and longer terms. That means lenders may collect more interest over the life of the consolidated loans. But lenders also risk losing loans when borrowers choose to consolidate with a competitor. This forces them to write down the gains they booked when the loans were pooled. Sallie Mae, which accounts for roughly half of the student loan market, said it lost $1 billion of FFELP loans in the first half when borrowers consolidated with other lenders. Nelnet said over half of the consolidation volume it experienced in the first half represents loans lost to other lenders. Both companies attributed the bulk of the losses to a process known as 'super two-step' whereby competitors used another program, the Federal Direct Student Loan Program, to get around a prohibition on refinancing previously consolidated loans. This process was no longer available after the end of the first quarter, and Sallie Mae and Nelnet expect to hold on to most of the consolidation loans that are still being processed. Prepayment speeds are likely to slow by the end of the year and remain relatively stable thereafter due to change in the FFELP: Stafford and PLUS loan taken out after July 1 carry fixed rates of interest. That means borrowers will no longer have the same incentive to consolidate their student debt, at least in a rising interest rate environment. The primary reason for borrowers to consolidate student loans then will be to lengthen the terms of their debt, and in so doing lowering their monthly payments. Consolidation loans have terms as long as 25 years, compared with 10 years for Stafford and PLUS loans. Chris Wolfe, a managing director in Fitch's financial institutions group, said consolidation loans are an affordability product, just like mortgages with longer than standard terms. '(While) they are interest rate sensitive, but usually borrowers consolidate because they can't afford to make payments of $600 to $700 a month, but they can afford $300 to $400 a month,' he said. posted on August 21, 2006 8:06 PM () ...read more

wwslc.com Unaffordable student loan bill By Brian RiedlJanuary 19, 2007   As part of their "first 100 hours" legislative blitz, Democrats in the House of Representatives have pushed through legislation to "make college more accessible" by halving the 6.8 percent interest rate on subsidized student loans. (The Senate takes it up next.) While parents and students certainly understand the strains of college costs, this policy is unaffordable, unnecessary and even illogical.    Despite persistent claims of cuts, student financial aid spending since 2001 has surged by a staggering 400 percent -- from $9.6 billion to $48 billion, according to the Office of Management and Budget. This makes the Office of Federal Student Aid the fastest-growing agency in the entire federal government.    Much of this increase has come from an unanticipated surge in college graduates consolidating their student loans (which will lead to large federal subsidies to banks). However, the student aid budget is projected to level off at approximately $25 billion -- nearly triple the 2001 level.    Congress' focus on interest rates is curious because current rates are quite low by historical standards. This school year, the variable student loan interest rate -- set to jump to more than 7 percent -- was replaced with a fixed 6.8 percent rate lower than in all but six of the last 42 years.    Furthermore, the basic idea that cutting student loan interest rates will "make college more accessible" makes no sense. College affordability depends on family income and financial aid availability, relative to tuition and fees. The interest rate doesn't matter until after graduation when repayment begins. For a low-income student facing a $4,000 federal borrowing cap and an $8,000 tuition bill, lowering the post-graduation interest rate from 6.8 percent to 3.4 percent does nothing to help afford tuition today.    The more relevant variables are grant and loan limits relative to tuition and fees. True, the maximum Pell Grant of $4,050 is just $300 over the 2001 cap. However, the 2005 Deficit Reduction Act created SMART Grants of up to $4,000 annually for students majoring in math, science, engineering or a foreign language critical to U.S. security. This effectively doubles the Pell Grant for many students.    Today's students can also borrow more. That same Deficit Reduction Act increased subsidized student loan borrowing caps for freshman and sophomores from $2,625 and $3,500, respectively, to $3,500 and $4,500. Graduate student loan limits were increased from $10,000 to $12,000 annually.    Overall, the total available for grants and loans has more than doubled since 2001, from $66 billion to $136 billion -- or, excluding consolidation loans, from $52 billion to $78 billion. During this period, the number of students receiving aid increased from 7.6 million to 10.1 million, and the number of annual loans and grants provided to those students leaped from 15.4 million to 24.7 million. Clearly, students are already provided with ever-increasing resources to pay their tuition and fees.    Yet these unending student aid increases haven't made college more affordable. The average college tuition, adjusted for inflation, has leaped 86 percent for public colleges and 52 percent for private colleges since the 1991-92 school year. Paradoxically, many economists now believe student aid increases actually contribute to tuition increases. Colleges, like businesses, charge as much as their customers are able to pay. So when student aid increases, colleges raise tuition to capture the additional aid. It becomes a vicious circle, with students caught in the middle.    So if reducing interest rates won't increase college accessibility, or make college more affordable, what will it do? Subsidize future college graduates repaying their student loans. Before we add "college graduates" to the list of groups needing government handouts, consider that today's typical college graduate enters the work force with a student loan debt of $17,500. While this seems large, it represents a monthly payment of only $114 ($102 when counting the related tax deduction) after conversion into a consolidation loan. Halving the interest rate would shave just $36 off the monthly payment. Given that a college degree raises the average individual's lifetime earnings by more than $1 million, $114 per month is clearly an affordable payment on a very profitable educational investment. Perhaps it's not in society's best interest to tax society at large to further subsidize the 24 percent with college degrees and higher lifetime earnings.    America faces substantial budgetary challenges: Washington spent a peacetime-record $23,281 per household last year, and projections show worsening budget deficits every year. The War on Terror and new homeland security costs must be funded. The coming retirement of 77 million Baby Boomers will send Social Security, Medicare and Medicaid costs to levels that could require a doubling of all income taxes.    In this context, responsible lawmakers should step back and examine whether a new subsidy for college graduates is really a top priority.        Brian Riedl is Grover M. Hermann Fellow in Federal Budgetary Affairs in the Thomas A. Roe Institute for Economic Policy Studies at the Heritage Foundation. ...read more

Student Relief Act 2007 wwslc.comFitch Comments on The College Student Relief Act of 2007NEW YORK--(BUSINESS WIRE)--The U.S. House of Representatives passed The College Student Relief Act of 2007 (H.R.5) by a vote of 356-71 on Jan. 17, 2007 and is to be debated next in the Senate. The bill is intended to make changes to the Federal Family Education Loan Program (FFELP) for both subsidized Stafford borrowers and FFELP loan holders by reducing borrower's interest rates for subsidized Stafford loans over the next five years from the current fixed rate of 6.8% to 3.4%. The first interest rate reduction will be effective July 1, 2007 and the final interest rate reduction will be effective from July 1, 2011 through January 1, 2012. After Jan. 1, 2012, the subsidized Stafford interest rate will revert back to 6.8%. To pay for the interest rate cuts, the bill sets forth reductions in payments to FFELP lenders and increases in certain lender fees.If the legislation passes in its current form, Fitch does not expect to take any rating actions on existing asset-backed securities (ABS) transactions backed by FFELP student loans. The particulars of each reduction in lender payments or increase in fees and their respective affects on future student loan ABS transactions are detailed below:For new loans made on or after July 1, 2007, the reimbursement guarantee provided by FFELP guarantors to lenders will be reduced from 97% to 95%. In terms of loan loss severities, Fitch ostensibly expects an increase due to the reduction in amounts paid by guaranty agencies to the lender; however, this increase is expected to be small in dollar terms. For example, assuming a 40% default rate on a $1 billion transaction with a one to one asset-to-liability (parity) ratio, the amount of principal loss resulting from a 2% reduction in guaranty reimbursement is $8 million. The reduction to 95% represents an increase in net principal losses to 200 basis points (bps) from 120 bps. Fitch believes excess spread levels on future transactions financing these loans will be sufficient to cover the increased loss amounts.The U.S. Department of Education's Exceptional Performer Program (EP) will be eliminated on July 1, 2007. As a result, student loan servicers will no longer receive immediate reimbursement for borrower defaults at the higher 99% reimbursement rate. Since the EP designation is applicable in one year increments, there is no assurance that a servicer will receive this designation in the future. As a result, Fitch has never given credit to the additional reimbursement or the immediate timing of the reimbursement payment. The elimination of the EP program will not have an affect on future ABS transactions.The Special Allowance Payment (SAP) rates for all FFELP loans paid the ED will be reduced by 10 bps for loans disbursed on and after July 1, 2007, with certain exemptions. For all Stafford loans, this would reduce the SAP rate from 90-Day Commercial Paper plus 1.74% or 2.34% to the 90-day CP rate plus 1.64% or 2.24% depending on whether the borrower is in school, grace, and deferment; or repayment, respectively. For consolidation and PLUS loans, the SAP rate will be reduced from the 90-day CP rate plus 2.64% to the 90-day CP rate plus 2.54%. This change will not affect holders of the lowest 10% of cumulative student loan volume.Fitch expects the 10 bp decrease in SAP margin rates to affect credit enhancement levels for future transactions that finance increasingly higher percentages of loans originated on or after July 1, 2007. Excess spread would decline and, in particular, transactions utilizing a premium proceeds structure may take a longer period of time to reach an asset to liability or parity ratio of 100%.The bill increases the 1.05% annual consolidation loan rebate to 1.30% only for banks whose holdings of consolidation loans are in excess of 90% or more of their total holdings. For those applicable student loan ABS transactions that finance 100% consolidation loans with a 50 bp servicing fee, the 1.05% rebate and servicing fee reduces the margin on the SAP index to 1.09% from 2.64%. For banks that are subject to the increased 1.30% rebate, this would further reduce the SAP margin to 0.84%. When the increased rebate is coupled with the reduced SAP margin of 2.54%, the SAP margin is reduced to 0.74%. For holders that are not subject to the increased rebate of 1.30%, the SAP margin would decrease to 0.99%. Transactions that finance consolidation loans that have an increased rebate would have lower amounts of excess spread of up to 35 bp.The following two changes will not have a direct affect on the economics of existing or future student loan ABS transactions and therefore, no affect on outstanding ratings.As of July 1, 2007, the Stafford, PLUS, and Consolidation Loan fees paid by lenders to the U.S. Department of Education will double from 0.5 percent to 1.0 percent.Student loan guaranty agencies compensation for collection efforts on defaulted loans would be decreased from 23% to 20%, as of July 1, 2007. This rate would be further decreased to 16% over the succeeding four years. ...read more