The Rental Application Process

cThe rent application is a critical step in the leasing process. The point of the application is to assure you bring a quality resident into your rental and to ensure that the right expectations are established. Besides qualifying the resident, the process should assure a clear understanding between the landlord and resident. To accomplish this, the application process sets in motion capturing information needed for the lease, completing background checks, and credit checks.

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To make the process work, the application will collect a variety of information about the applicant including:

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Current and past employer references, Current and past addresses for at least three years, Drivers license information, Social security number (for the credit check), Rental references, If there is more than one renter, applications will be completed for each person, Rental unit specifications, Pets including size and type of animal. Most properties have certain animals that are not permitted. Some properties do not allow pets, Number and ages of any children or other dependents that will be on the property, and Disclosures and acknowledgments.

Normally, some fee is required for the application as well.

The manager then processes the application and confirms the renter's qualification to rent. Often the process requires follow up with the renter to complete the process. Part of the application process should be confirmation of the application fees successful processing. The application process should be almost an interview. If for some reason a resident does not seem to fit your property, there may be options to discourage them from renting. You cannot discriminate, but if you can find policy based documentable issues you can deny the lease. As the manager or leasing agent, your role is to assure you attract and close good residents.

Because of this rent referrals are your first most important step. Good renters should be able to offer good rent references. Don't accept a statement that they paid their rent. Find out if there were issues regarding violation of property policies or other behavioral red flags seek statements to this effect. Denying a lease for legitimate documented reasons is completely valid.

Review the credit check for any signs of issues. Also, keep in mind that some issues may not be problems for you. For example, if a rental prospect turns out to have had a recent foreclosure but there are no other events and all other credit is good, you may be able to waiver a bad result.

The first most important rule of the application process is don't take short cuts. Take your time. Make sure everything is in order and that you have a good solid lease that will prove a reliable source of income.

The Rental Application Process

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CBAP (Certified Business Analysis Professional) Application Process

What is CBAP?

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CBAP (Certified Business Analysis Professional) is a designation provided by International Institute of Business Analysis (IIBA) to recognize experienced Business Analysts. In order to certify, BAs need to meet certain prerequisites, submit a detailed application, and prepare for the certification test based on Business Analysis Book of Knowledge (BABOK, version 2.0) and pass the CBAP test.

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Prerequisites

Before you think of applying and preparing for CBAP, verify if you qualify. Eligibility requirements are:

High School or higher education 21 hours of training (professional development) in Business Analysis field 7500 hours of BA experience over last 10 years, spread over six knowledge areas as defined in BABOK, version 2.0 Two references - One from a manager and other from an internal or external customer or a CBAP certified person. (A reference from Project Manager is not accepted)
Application Form

CBAP application form is available online on IIBA web site. You can complete the application over one or more sessions. Application gets saved during every session. Application form has these sections:

Your Contact Information Education Work Experience This is the most tedious and complicated part of the application. You have to provide details on a project basis. If you worked on more than one project during a year, it can be combined. You need to provide project name, description, duration, company details, contact details. Then, you need to provide total hours spent on the project and number of Non BA hours. Last part on experience is a list of BA activities performed and percentage hours spent in that section. Based on the percentage, IIBA will compute number of hours spent in six knowledge areas from BABOK. They will validate if you have spent at least 900 hours in four of the six knowledge areas. Activities are predefined. You have to pick from the list. The list includes some Non BA activities as well (like creating project plan, performing testing, etc.) If you pick these activities, those hours will be disqualified. It is very important that you take an overview of six knowledge areas and tasks and techniques within those to understand if your experience really pertains to BA activities. Six knowledge areas in BABOK are Business Analysis Planning and Monitoring Elicitation Requirements Management and Communication Enterprise Analysis Requirements Analysis Solution Assessment and Validation

When you complete reference details, references are sent an email. They should then go on-line and fill in required details as requested by IIBA. Fees: Application fee is 5, payable online by credit card (or by check/money order). It is not refundable.

Start exam preparation. Most effective way to prepare is to enroll in a prep class. You get structured understanding, study materials, buddies to team up with and sample tests. It also keeps you motivated. While you are studying, you should also schedule your test. It takes some time to get a test schedule nearby. Exam fee is 5 for IIBA members and 0 for non-members. If the application is rejected, you will have to wait for 3 months before applying again.

CBAP (Certified Business Analysis Professional) Application Process

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The "Break-In" Process For a New American V-Twin Motorcycle

There's a reason new motors are 'tight" and not as responsive as ones that have had several miles put on them and that's because all the moving parts haven't "broken-in" yet. Friction is a key factor in a new motor because of how tight everything fits together and with a high amount of friction, you end up with a loss of power.

A new motor will actually work against itself until all the internal moving parts develop the wear pattern of least resistance. Because of the tight fits of the components there's friction and friction produces heat, which in turn causes the motor to expand which causes the parts to work against each other instead of functioning in a smooth uniform way.

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If you've just bought a new motorcycle or have installed a new motor in the one you currently own, if you start running it real hard without going through the "break-in" process, you will cause the engine to produce excess amounts of friction and heat, the number one enemy of an air cooled engine. These two elements will shorten the life of all the moving parts inside the motor and end up producing a significant amount of metal filings and grindings within the motor and that's not a good thing.

This is the reason that someone who has taken a brand new engine and rides the crap out of it may initially experience better performance than someone who takes the time to follow a proper break-in process because the carefully broken in motor is still developing a minimum resistance wear pattern.

So which motor will last longer? Which one is faster? A correctly ridden V-Twin custom motorcycle or Harley Davidson really doesn't get completely broken in until somewhere between 5,000 and 10,000 miles. At that point, you'll start to notice your bike will pick up speed and power because the friction on the internal parts has been gradually and carefully reduced as much as possible setting the stage for a long lasting motor.

On the other hand, the motor that has been run hard will still be running good and loose, but you can bet components such as piston rings to cylinder walls and valve to valve seat fitment is going to be aging well before its time and this will cause less compression which will affect the performance. It may not happen at 10,000 miles or even 20,000 miles, but it will happen much sooner that a properly broken-in motor.

You probably know the general rule of thumb is to ride a new motorcycle or new engine replacement at least 500 miles for the initial break-in. But the break-in process can actually happen in as little as 100 miles or as much as 800 miles depending on the metallurgy of the internal components, the type of oil used and what your riding habits are.

If you ride your motorcycle at a constant speed during the break in period, it'll cause the rings to glaze and lose their sealing qualities. What you should do is slowly increase and decrease the revs as you go through the gears. It takes some patience to do this for 500 miles, but it will work out for you much better in the long run.

Another thing you want to try to avoid is letting a new motor sit and idle especially on a hot day. Keep in mind that the V-twin motor is air-cooled and with all the excess heat being generated from the break in of new components, you need to keep air flowing over those cooling fins. If you live in an area where it's real hot you may want to consider night riding for your break in period. The key thing is to just use some common sense in how you treat your bike. Take care of it and it will take care of you!

The "Break-In" Process For a New American V-Twin Motorcycle

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The Mortgage Application Process

Often times the mortgage application process can prove to be over whelming. With several types of paper work needed, it can be confusing and stressful for the home buyer. A few of the paperwork types are, the mortgage application form itself, employment records of the buyer and paperwork on the property the buyer desires. Also needed in the mortgage application process is proper documentation, which provides detailed information about the home buyer's finances.

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This helps the lender gage the applicant's ability to pay. While continuing in the mortgage application process, the lender will also examine the credit report history of the buyer. A lender may reject the applicant if the report reveals a poor credit history. Therefore the home buyer should seek out and mend any problem areas in the credit report, before beginning the mortgage application process.

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In the mortgage application process, the maximum amount of funding available to the borrower is determined by the lender. The loan amount will be computed using the value of the property and the personal financial state of the applicant.

The property's value will be estimated by a real estate appraiser. The lender typically allows the applicant to borrow up to 80% or 90% of the appraised value of the property. A down payment is then negotiated, along with an interest rate. The applicant should be equipped with proper documentation of their income. Proper tax forms and year-to-date pay stubs are most commonly used.

The buyer should also have the purchase contract agreement for the desired property. The time frame for an approval process may vary due to several factors. These factors include the state of the economy, the difficulty level of the mortgage itself and whether additional information is needed from the borrower.

Typically the mortgage application process lasts up to 30 days from the date of application. If the application is rejected, the lender will usually supply a reason for the rejection. Understanding fully why the application was denied can be useful when applying with a different lender.

Acquiring the information necessary to make the appropriate repairs to the problem areas, will greatly improve the likelihood of approval in the next mortgage application process.

Working with a mortgage broker may greatly reduce the stress related to this process, since mortgage brokers are experienced in the application process. Mortgage brokers can help the borrower in acquiring a clean credit history and the proper paperwork needed to improve the likelihood of acceptance.

The Mortgage Application Process

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Application Process For Nurses in Australia

Nurses and Midwives are currently in high demand in Australia. There are excellent career opportunities whether you want to immigrate to Australia or just stay for a few years. Nursing and Midwifery are well paid professions, with extra allowances for shift work with an opportunity to earn more money.

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The latest Australian Critical Skills List shows both occupations, will be processed ahead of other occupations. This allows visa Australia applicants to gain permanent residence without the need of sponsorship by an employer or State government. This offers more freedom of movement for workers between different employers. This is not possible via a work sponsored visa. We regularly assist Nurses applying for skilled visas to Australia.

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Generally there are 3 key stages in the process.
1. Registering with the Australian Nursing & Midwifery Council
2. Full application for permanent visa for Australia
3. Registration in the State/Territory of work

It is very important that each stage is completed correctly. New changes to the regulations now mean that all visa Australia applicants must complete each stage. Each candidate must complete a compulsory English language test. Nurses And Midwives generally obtain full permanent residence, professional registration and employment in Australia via the skilled visa application process.

Registering as a nurse to work in Australia for up to four years, can entitle your family members to also work and study in Australia. All applicants must be under the age of 45 years old, holding the relevant qualifications (equivalent to an Australian diploma level). Whether you have a high level of skills and experience or need to gain additional skills, there is a visa Australia to suit you. There are excellent career opportunities with permanent and temporary work available in Australia. You can be in or outside Australia when you apply for a visa Australia to work as a nurse.

The Emigration Group will help every applicant to register with the Australian Nursing and Midwifery Council (ANMC) or the nurse regulatory body in the State or Territory in which you wish to work. The Emigration Group have a dedicated group of Consultants available to help and assist you on every step of your visa Australia application.

Application Process For Nurses in Australia

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Chase Loan Modification Application Process

Confused about how to begin the Chase loan modification application process?  Time is not on your side, so stop worrying and get started.  billion dollars is waiting for qualified homeowners, make sure you get your share of the stimulus package. Don't feel overwhelmed, follow these easy steps to get started and apply to get the lower mortgage payment you need. 

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The Chase loan modification process is getting easier.  The lender has opened centers across the country that are staffed with personnel to help borrowers apply for a loan workout.  The federal programs are being offered to homeowners who qualify, however, learning about what is required before completing your paperwork is the key to success.  This is not the time to just "take a shot" at your application, you need to invest a couple hours of your time to learn and prepare before contacting the bank.

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You will be asked to complete a Chase loan modification application.  You can use a generic form or you can get the bank's form on their website.  These forms include your basic information like name, social security number, employment information, etc.  You will also have to complete a budget or financial statement that details your income and expenses.  Remember, the bank will review all the information you give them and they will make their decision based on what they see.  Make sure you show them the right information, in the right format so that you have the best chance of qualifying.

A Chase loss mitigation counselor will go over your application on the telephone with you.  Make sure you have kept copies of all of your forms, and have them and your income documentation at your fingertips when you talk to them.  This is not the time to be hesitating or blurting out the wrong thing-you need to be confident and prepared so you don't make any mistakes.

When your family's home is on the line it just makes sense to be prepared and informed.  Why wouldn't you invest a couple of hours of your time if it can make the difference between keeping your home or losing it?  You can learn the basics and greatly increase your chances of getting the Chase loan modification you need and deserve.

Chase Loan Modification Application Process

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The Structure of Web Application Design Process

Many web designers are muddled through their way to successful web application design. Like any other creative process, this also should be handled with a defined and structured approach; otherwise, things can easily go wrong anywhere between the start and the finish.

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The process of designing a website or a web application can be divided into the following six phases:

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Project defining Site structuring Visual designing Site development Testing Launch

Here is some detail of each phase:

Project Defining: This is the beginning of the process where the client should be interviewed for the exact project requirement and scope defining. The designer needs to be highly interactive with the client during this phase as it is extremely important that any project outlining done here is with mutual understanding. This involves understanding the business' persona, establishing initial technical specifications, creating project timeline, and doing initial maintenance planning.

Site Structuring: This phase involves designing of the site architecture, which includes creation of a content/functionality outline, site diagram, diagrams for page descriptions, and wireframes.

Visual Designing: Once the site structure is confirmed, the designer should start working on the design patterns for the layout. After creating drafts of the possible versions, he can take the feedback or suggestions of the client on refining and then make the final selection.

Site Development: This is a crucial phase where the initial technical specifications should be confirmed or refined, the project timeline should be reviewed and adjusted if needed, and based on this, application building and integration should be undertaken.

Testing: Before declaring the completion of web application process, the application should undergo a quality assurance testing. By prioritizing the issues, a final site refining can be done.

Launch: Obtaining a complete guide on the application designing/development style can help later on to solve any issues. The application is finally launched and a maintenance plan is implemented.

The Structure of Web Application Design Process

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