Mortgage Loan Origination Software – 10 Functions of Mortgage Banking

Regardless of a mortgage lending organizations’ size, mortgage loan software, data security solutions and automation tools and services should be able to assist with mortgage loan automation requirements. In today’s chaotic mortgage lending environment origination and document security systems need to be easily configured to emphasize a company’s special needs and increase efficiencies across all aspects of the loan origination process, allowing lenders to increase quality and productivity.

Technology-driven automation is the key to succeeding in the increasingly complex, deeply scrutinized mortgage industry. Web-based (Software-as-a-Service), Enterprise mortgage software that supports the ten primary functions in mortgage banking will provide lenders with the necessary competitive advantages to succeed in today’s mortgage industry.

Ten Primary Functions in Mortgage Banking

  1. Mortgage Web site design, implementation, and hosting to provide product, service, loan status, and company information to mortgage customers and business partners
  2. Online loan applications for gathering information from borrowers and business partners that issue loan terms, disclosures, and underwriting conditions
  3. Loan origination software for managing loan data, borrower data, property data, general status reporting, and calculations
  4. Interface systems to send and receive data from real estate service providers, such as credit reports, flood determinations, automated underwriting, fraud detection, and closing documents
  5. Internal automated underwriting system that is simple enough for originators and sophisticated enough for underwriting portfolio loan products
  6. Document generation for applications, upfront disclosures, business processes, and closing documents
  7. Integrated imaging that is used from loan origination to investor delivery and for file archiving
  8. Interest rate and fee generation along with program qualification guidelines
  9. Secondary marketing data tools to track loan revenue and investor relationships, including warehouse line management and interim servicing to complete the back-office system
  10. Reporting such as loan delivery, year-end fee reporting, and HMDA reporting for loan application disposition

Web-Based, enterprise mortgage software that supports the ten primary functions of mortgage banking simplifies compliance, maximizes operational efficiencies, and increases profitability.

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How to Retrieve Deleted Text Messages & Not Go Crazy in the Process

It’s happened to all of us. We’ve deleted a text message only to realize a short while later that we either deleted the wrong message, or we need to retrieve information off one of the deleted text messages. We then frantically search out ways online how to retrieve deleted text messages hoping to find an easy solution. We pour through websites pulling our hair out because we can’t find an easy solution.

Ultimately we walk away dismayed because either we were not able to find any solutions on how to retrieve deleted text messages, or the solutions we found seemed to require so much “detective” work, that the solution itself should be on a an episode of CSI.

Are there really any “easy” ways to retrieve deleted messages?

The good news is that YES, there are a couple options that do exist which enable anyone to easily recover deleted texts, and both are not only very affordable, but both work exactly as advertised.

Before we dig into the solutions, there is one solution that is often discussed, which does not work, although many people do still talk about it.

What does NOT work?

Going to your own phone carrier is not going to be a viable option. Yes, they are required by law to keep records of your communication (SMS, call, etc.), but they are not required to turn over their logs to you, unless requested by a court of law. You cannot call up AT&T, Verizon or Sprint and tell them you want to retrieve a deleted text message from last week because there is something really important within the contents of the message. It just wont work.

The only information AT&T, Verizon, Sprint, or any other cell phone carrier is going to provide you is the number, date, and time of a call or message. You can plead all you want, but they will not be able to do anything, so it’s not worth your time to attempt this approach.

What DOES work?

There are actually two options available for anyone who is looking for information on how to retrieve deleted text messages. These options rank from the “quick and easy” to the more difficult, but also the most effective.

1) Quick & easy method.

The ‘quick & easy method’ is to buy a SIM card reader, often referred to as a SIM card spy device. This device looks like a USB reader, and the way it works is you remove the SIM card out of your phone, and then place the SIM card into the SIM card reader, and then plug the reader into your computer. Using the included software (of the SIM card reader), you’ll be able to immediately retrieve and read deleted text messages. The time frame will vary, based on what new information is overwritten on the SIM card, but you’ll at least be able to retrieve and read the last 15-20 messages and scan through your call history and contacts, even if they were all deleted.

Positives of this approach?

  • Very easy.
  • Enables you to quickly recover deleted messages.
  • Does not require software to be installed prior to the message being deleted.

Negatives of this approach?

  • A bit costly.
  • Limited cell phone support.
  • Does not work on CDMA networks.

2) More difficult, but most effective method.

The more difficult, but most effective method’ is to purchase a cell phone monitoring app that is often used to spy on cheating spouses, monitor teen cell phone use, track cell phone location, and locate missing or stolen cell phones. These apps (often called spy apps or spy phone software) are often used by people who want an easy and convenient way to back up and store all their own personal cell phone data. The reason why this method is fast becoming a popular way to back up their own personal cell phone data is because everything happens automatically. There is no “syncing” required, or any buttons or settings to worry about. Your cell phone data (text messages, call history, etc.) are automatically backed up every single day. This means if you ever delete a text message, and then need to quickly recover it, all you have to do is log onto your account and then in just a few clicks, you’ll have full contents of every message that was either sent or received from your phone. In addition, you’ll get access to all your call logs and contacts.

The reason why this is a more difficult method, is because it requires that you download the software from your cell phone’s web browser and install the application on your phone. Not everyone is comfortable downloading cell phone apps from the internet using their phone’s web browser. However, once you do complete the download, the actual installation is similar to installing an app on your computer. If you are willing to roll the dice and go with this method, you’ll be very happy with the results. It’s essentially a real time person back up solution that requires absolutely ZERO work on your part. Everything is done for you. The only drawback with this approach is that it does require you to install the software BEFORE you delete the text message that you want to retrieve. This means you need to be proactive and install the software ahead of time.

Positives of this approach?

  • Extremely effective.
  • Affordable.
  • Full contents of text messages are retrieved.
  • Large amount of cell phones are supported, including the popular models such as Android, BlackBerry, iPhone, Nokia, and more.

Negatives of this approach?

  • Can be difficult if not familiar with installing cell phone apps.
  • Software must be installed prior to message being deleted.
  • Requires a data connection such as 3G or Edge
  • May increase data fees if a large amount of text messages are sent on a daily basis.

There you go. Now you know how to retrieve deleted text messages using a couple different approaches. The next time someone asks you how to retrieve deleted text messages, you’ll know what options exist, and which one is the best for that particular situation.

Good luck!

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Medical Coding History – From Paper to Medial Coding Software

If we define medical coding as the assignment of alphanumerical characters to diagnoses, diseases, and treatments, then medical coding has been traced back to the 1600s in England with the London Bills of Mortality. A more standardized system of coding was developed for classifying death at the tail end of the 19th century. In 1893, Jacque Bertillon, a statistician, created the Bertillon Classification of Causes of Death, a system which was eventually adopted by 26 countries at the beginning of the 20th century. Shortly after the Bertillon Classification system was implemented, people began discussing the possibility of expanding the system beyond mortality as a way of tracking diseases.

By the middle of the 20th century, the World Health Organization (WHO) adopted a goal of a single global classification system for disease and mortality, entitled the International Classification of Diseases, Injuries, and Causes of Death (ICD). This classification system is updated every 10 years. The latest revision, ICD-10, is scheduled for adoption in the United States in 2013.

What started out as a small set of medical codes has evolved into a complex system that was initially standardized by the American Medical Association back in 1966 with current procedure codes (CPT) codes that are updated annually.

In the late 1970s, the Healthcare Common Procedure Coding System (HCPCS) was developed based on CPT. HCPCS has three levels of codes: Level One is the original CPT system. Level Two codes are alphanumeric and include non-physician services such as ambulances and other transportation as well as patient devices such as prosthetic devices. Level Three codes were developed as local codes, and were discontinued in 2003 in order to keep all codes relevant worldwide.

Recently, medical coding systems have been expanded to include other medical specialties. For example, there are coding systems related to disabilities, the dental field, prescription drugs, and mental health.

As the coding systems have become more complex and diverse, the need for training of medical coders has grown exponentially. Private training schools and public colleges throughout the country have developed certification programs. In order to be awarded a certificate, students must obtain a two-year degree from an accredited medical coding school and pass an exam given by the AHIMA.

Over the past 20 years, many coding processes have shifted from a paper-based system to a computer-based system using medical coding software and medical billing software. Many companies sell complete medical software-based coding solutions and myriad of products for specific medical disciplines, such as products that are specifically tailored to skilled nursing facilities, physicians, hospitals, surgery, cardiology, and more.

As medical facilities and professionals begin preparing for the conversion to ICD-10 in 2013, the need for more sophisticated medical coding software solutions and qualified medical coders will continue to grow.

CPT is a registered trademark of the American Medical Association.

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Advantages and Disadvantages of Biometric Time and Attendance Software

First of all let me ask you what you understand by time and attendance software? Have you ever been asked to log in as soon as you enter office and the main gate of the office has a Biometric machine that takes in your finger prints and allows you to enter the office premise? Yes, these are the time and attendance software being installed in a company.

Biometrics consists of methods for uniquely identifying a person (human being) by his/her physical or behavioral traits. There are many biometric software available in market for such purpose and their use is widely known. One such use is Biometric time and attendance management software.

Those days are gone when we had to punch in cards or sign into a register to tell the other person that we are present. Just as paper checking has been changed from manual to computerized, identifying a person and letting him in your office has been changed from manual to biometrics.

There are many benefits of having such methodology in your office. Such as:

• Accurate timing: When a person looks at his watch and enters the time there is a slight chance that he may see the wrong timing and write. Whereas with biometric time and attendance software there is no possibility of such mistake. The user does not need to see or check the time, it automatically gets logged in.

• Less error: There is no scope of human error here.

• Profit to company: If it’s accurate and correct the company will definitely gain from it.

As everything has a good and bad side this too has its disadvantages, such as:

• Extra cost to company: Biometric software and machine cost a lot more, so installing such software need a good investment money wise.

• Extra management: Remember when every employee is logging his own timing when he comes or leaves; there is no extra management here. But, if you are putting a machine there has to be taken some care of it.

Biometrics time and management software is really helpful when creating payrolls for employees. Once a definite timing has been registered you don’t need to think twice before creating the employees pay.

Many homes are also using such kind of software to have a safe and secure home. Biometric software is really helpful when you need security in your home as well as in office. There are many companies all over the world providing such biometric time and attendance software. You just need to keep an eye on the technologies and websites that are providing you these.

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Define Computer Hardware

It is quite well known that the working of the computer is dropped by hardware and software. One can define computer hardware as the electronic, magnetic, and electric devices that carry out the computing functions. Hardware is the physical components of the computer like microprocessor, hard disks, RAM, and motherboard. The peripheral devices such as monitor, mouse, keyboard, printer, and speakers can also be included in the list of hardware parts. The programs that run on the computers like Windows, C ++, and Photoshop are the software parts of the computer. A good example for an easy understanding of hardware-software definition is music CDs. The actual compact disk is the hardware, while the songs and music in the CD are the software parts.

There is another way to define computer hardware. Hardware devices are the executors of the commands provided by software applications. For example, let us see what happens when you click the print button of the web browsing software. The software application provides a command to the processor, which is the central part of all computer hardware. Processor in turn checks for an attached printer. If the printer is ready, the software will get a positive response from the processor. Then the software application provides instruction to the printer via the processor to print the web page. In that sense, hardware parts are the foot soldiers and software applications are the commanders in the digital operation that takes place within a computer.

The main player of computer hardware is unduly the microprocessor. It is the sun in the solar system of computer hardware devices. It is the central component and all other components work around it. It is an integrated chip on which a number of functions are incorporated. Two specifications determine its efficiency. One is its processing speed, which is measured in gigahertz. The other is its bit rate. Commonly available processors are 32 bit and 64 bit. The bit rate is a measure of the efficiency of a processor to carry out multiple operations at the same time.

One can not define computer hardware without mentioning the two types of memory used in computers. One is permanent memory. It refers to the magnetic storage capacity of hard disk. It is measured in gigabytes. The second is RAM or random access memory. This memory is able to store data only when the computer is switched on. The memory will lose all the data when the computer is switched off.

Another important product that one should mention when one defines computer hardware is motherboard. It is the electric and electronic circuit board on which all the other components are inserted. There are several other kinds of products such as sound card, video card, network card, and modem that complete the hardware spectrum.

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Kitchen Design Ideas

Kitchens have so many design options that they are literally never ending. Kitchen design ideas include features such as cabinetry, tiles, counter tops, appliances, hardware and fixtures. Each feature on its own has a multitude of design options and the possible combinations are endless. Two identical kitchens with only one different feature can look like very different kitchens when finished. Because of the vast number of design options, thoroughly research what products are available on the market and get a fairly good idea what it is you are looking for.

The main feature in any kitchen is the cabinetry. It is more often than not the first thing that people notice in a kitchen. The layout of the cabinetry is unique to each kitchen. Measure the size of your kitchen and determine the types of cabinets and where you would like them placed. If you have a solid wall with no windows, doors or appliances opt for floor to ceiling cabinets full of drawers for storage. Include a broom or cleaning closet in these cupboards. Glass fronts in corner cabinets are a popular design feature. Cabinets have a wide variety of door styles. There are recessed, flat paneled and raised cabinet doors. Each of these options comes with several design choices. Once you have picked the design of your cabinets you need to decide on the stain that suits your kitchen space. Opt for lighter colored stains for smaller kitchens to keep them feeling open and spacious.

Counter tops are also an important feature in a kitchen. They too are highly visible. Counter tops should be chosen for durability as well as looks. Granite counter tops are the most popular choice today. You may also choose from engineered stone, ceramic tile, laminates, wood and stainless steel. The material and color of your counter tops should compliment your cabinetry, backslash and tiles. If your kitchen is a large room but does not have a lot of counter space you might want to consider adding an island for additional space. Not only does an island adds counter space but also storage space.

Flooring is an integral kitchen feature. Most kitchens are done with ceramic tile flooring but wood floors and laminates are growing in popularity. Many kitchens have tiled backslashes. Be sure that the tiles used in your backslash compliment the flooring. Besides the type of flooring you use, you must also pick a color of tile, wood or laminate as well as texture. Quite often a kitchen with light colored cabinetry will look best with a slightly darker floor and vice-versa. Contrast between the cabinetry and the flooring, no matter how small, creates the illusion of depth.

The kitchen design ideas listed above are just the tip of the iceberg. We have not even touched on cabinet hardware, lighting fixtures, sinks and taps, paint colors or appliances. Matching appliances are ideal in any kitchen. Stainless steel appliances are a favorite because they match just about any kitchen design. Families with small children may wish to consider black appliances since stainless steel shows fingerprints. Put as much thought into the small features as you do the larger ones. Something as simple as buying the wrong cabinet hardware can ruin the look of the completed project.

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Pick 3 Lotto Logix – What You Should Know

The primary goal of Lotto Logix is to present informational resources for many individuals who are interested in playing and winning in lottery. Lotto Logix locates and lists the best lottery websites having useful contents for players; determines the best possible methods and strategies for playing at the lowest cost; finding free lottery games and lists the vital factors a player needs for lottery software. If you want to learn about lottery games such as pick 3 Logix provides pertinent information, which may help you in terms of playing, betting, and winning.

Lotto Logix limits its lists of lottery websites into 1 or 2 links so that players can choose efficiently. The websites are grouped according to their functionality in terms of software, results, and information. More so, Lotto Logix provides information of every website including tips, news, articles, freeware, books, statistics, shareware, programs, software, predictions, wheeling systems, and wheels among others. Since Lotto Logix has the objective of winning the lottery, it also provides assistance for players who would want to do the same. It is undeniable that not everyone has answers or solutions to winning in the lottery. Thus, Lotto Logix hopes in bringing methods and strategies to fit into one tool that will effectively lead to lottery winnings.

Although some lottery players do not believe in the usefulness of lottery software for games such as pick 3 Logix believe that it can help in storing, tracking, and charting winning number combinations. Lottery software provides predictions that are useful in choosing numbers to bet. The software can provide 90% accuracy in terms of distribution of numbers as well as the winning numbers since it lets you import your wheeling system. You can wheel all the numbers in you Pick 3, 5, or 6 games as you are allowed to filter number combinations.

In terms of free lotto games, Lotto Logix locates and lists every free online lottery games with legit prizes and uses state drawings for the winning numbers. On the other hand, Lotto Logix does not list all the games specifically if the websites for such games advertise extremely. This is because Lotto Logix thinks that it is much better to separate them from other free online lottery games that do not advertise as much. As such, it plans on establishing a link-farm page specifically for games that employ pay-per-click advertising or those that employ sign-ups in order to cover for the page cost. However, Logix is not very enthusiastic in creating such additional page. This is because most of these kinds of sites have too much demand that seem outrageous or unbelievable for players.

If you want to improve your odds of winning in lottery games such as pick 3 Logix has determined that playing more tickets is the only efficient way. On the other hand, it has also determined that it is more possible for you to win lower tier prizes while waiting to with the grand prize. It is best to establish strategies that allow you to track specific events for possible winnings.

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Advantages and Disadvantages of Biometric Time and Attendance Software

First of all let me ask you what you understand by time and attendance software? Have you ever been asked to log in as soon as you enter office and the main gate of the office has a Biometric machine that takes in your finger prints and allows you to enter the office premise? Yes, these are the time and attendance software being installed in a company.

Biometrics consists of methods for uniquely identifying a person (human being) by his/her physical or behavioral traits. There are many biometric software available in market for such purpose and their use is widely known. One such use is Biometric time and attendance management software.

Those days are gone when we had to punch in cards or sign into a register to tell the other person that we are present. Just as paper checking has been changed from manual to computerized, identifying a person and letting him in your office has been changed from manual to biometrics.

There are many benefits of having such methodology in your office. Such as:

• Accurate timing: When a person looks at his watch and enters the time there is a slight chance that he may see the wrong timing and write. Whereas with biometric time and attendance software there is no possibility of such mistake. The user does not need to see or check the time, it automatically gets logged in.

• Less error: There is no scope of human error here.

• Profit to company: If it’s accurate and correct the company will definitely gain from it.

As everything has a good and bad side this too has its disadvantages, such as:

• Extra cost to company: Biometric software and machine cost a lot more, so installing such software need a good investment money wise.

• Extra management: Remember when every employee is logging his own timing when he comes or leaves; there is no extra management here. But, if you are putting a machine there has to be taken some care of it.

Biometrics time and management software is really helpful when creating payrolls for employees. Once a definite timing has been registered you don’t need to think twice before creating the employees pay.

Many homes are also using such kind of software to have a safe and secure home. Biometric software is really helpful when you need security in your home as well as in office. There are many companies all over the world providing such biometric time and attendance software. You just need to keep an eye on the technologies and websites that are providing you these.

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Computer Engineer Salary

A report by CNNmoney states that students who majored in computer engineering were the top earners of the class of 2011. On top of that according to the Bureau of Labor Statistics, the demand for computer software engineers is expected to grow by nearly 38% by 2016 You may have just stumbled upon your new career!

There are two types of engineers, hardware and software. A hardware engineer deals with physical components. They research, design, and test the physical components of a computer including circuit boards, chips, and keyboards. A software engineer, called developers, create programs for users to perform task. They create the software that translates the commands from applications into instructions that the hardware can understand. They create the operating systems and computer interfaces for desks and consumer electronics.

95% of jobs are located in metropolitan areas. Positions are located in research labs and manufacturing labs. Some work in computer system design firms, research and develop firms, or federal government. Just as there is a range of potential work environments you may end up being in, there are also a large variety of things you may be creating programs for. Computer engineers create on computers, cell phones, navigational systems in your car, video games, and etc. If you're creative, love computers, and do not mind making a lot of money in the process then this just might be for you!

Some of the highest income makers coming directly out of college are graduates in the computer engineering field. This is a great incentive to buckled down and stay focused on those late nights studying in your dorm. This will literally pay off .. BIG TIME! The average salary for computer engineer job postings nationwide are 29% higher than average salaries for all jobs nationwide. Sound good yet? Let's get into the specifics.

The overall computer engineer salary is $ 87,000. To be even more specific let's discuss what you can expect if you enter involved in hardware or software. Starting with the low end of what you can expect. As a software engineer the lowest 10% average $ 45.44 / hr or $ 57,810 annually. The highest 10% average $ 65.28 or $ 135,780. As a hardware engineer the percentages or a slight bit higher. A hardware computer engineer salary on the low end can on average expect $ 48.73 / hr or $ 62,400. The highest 10% of hardware engineers make $ 70.07 / hr or $ 147,610. Not a bad day's work!

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Top 25 Terms All Computer Students Should Know

The following basic terminologies are considered the top 25 terms all computer students should know before they even begin their studies:

1. Bit: Binary data storage unit valued at either 1 or 0.

2. Byte: Eight data bits valued between zero and 255.

3. Word: Two data bytes or 16 data bits between zero zero and 16,535.

4. CD-ROM: A storage disk with approximately 640 megabytes of capacity.

5. CD-ROM Drive: Hardware used for reading and writing to CD-ROMs.

6. Storage Media: Magnetic devices that permanently store computer data.

7. File: Permanent storage structure for data kept on a hard drive or other permanent place.

8. Virus: Unauthorized programs that infect files or send themselves via email.

9. Vulnerability: When unauthorized access can be gained due to software errors.

10. Security Flaw: When attackers gain unauthorized system access due to a software bug.

11. Worm: Unwanted programs accessing computers via application / system vulnerabilities.

12. Hardware: Physical parts of computer (case, disk drive, monitor, microprocessor, etc.).

13. Software: Programs that run on a computer system.

14. Firmware: Software that has been permanently written into a computer.

15. ISP: Internet Service Provider.

16. BIOS: The basic input / output system computers use to interface with devices.

17. MIME: Multipurpose Internet Mail Extension.

18. Boot: What happens when a computer is turned on and beginning to run.

19. Crash: When computer software errors occur and programs fail to respond.

20. Driver: Program that understands interfaced devices like printers and video cards.

21. Network: Cables and other electrical components carrying data between computers.

22. Operating System: A computer's core software component.

23. Parallel: Sending data over more than one line simultaniously.

24. Serial: Sending data over a single line one bit at a time.

25. Protocols: Communication methods and other standard Internet / networking functions.

These are the top 25 terms all computer students should know before they even begin their technical training. Most computer students know much more. In fact, everyone who uses a computer these days should understand these terms so they can be better informed about the important tool that is so integral to our daily lives.

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