AdToons Celebrates Eleven Years Of Marketing And Explainer Videos

by Shelton on August 17th, 2016

filed under House Loan

The growth of AdToons whiteboard animation as a marketing tool has expanded exponentially since its launch. Those who are interested in tapping into the marketing booster bundle can take advantage of a free offer through the website.

Billion Dollar Explainer Video?

by Shelton on August 9th, 2016

filed under House Loan

In fact, that's one reason why the always-moving-methodology of whiteboard animation can be so effective. But in a live-action video, where each sequence is essentially a self-contained scene, keeping the movement going is often quite difficult

HTML5 presentation maker by Focusky allows business to reach customers with ease

by Shelton on July 17th, 2016

filed under House Loan

Unlike the traditional presentation makers, the Focusky tool offers a number if advanced features such as the 3D camera based animation effect, whiteboard animation video, easily creating graphs and charts, built-in dynamic characters and word art

Focusky Adds HTML5 to PowerPoint Alternative for More Dynamic Presentations

by Shelton on July 5th, 2016

filed under House Loan

Focusky let the users make 3D camera to create more stunning 3D animation effect. Integrated with Whiteboard Animation. It is no longer a graphic designer's job to create a whiteboard animation video . Focusky allows you to easily put together an

6 Tips to Keep Your Explainer Video Compelling from Start to Finish

by Shelton on June 23rd, 2016

filed under House Loan

By Consider Whiteboard Animation, we don't simply mean selecting that animation technique for your video. We mean that even if you're explainer uses motion graphics, character animation, CGI or something else, the principles of what make whiteboard …

5 reasons lenders can withhold loan disbursement after sanctioning

by Shelton on January 17th, 2016

filed under House Loan

It is a commonly held belief that once a home loan has been sanctioned, the borrower is home and dry in terms of securing funding for this property purchase. But do you know that the bank can withhold your loan disbursement, reduce the sanctioned amount, or sometimes even reject it totally in the post-sanction phase?

In such situations, many loan applicants feel embittered as they believe that a loan sanction letter concludes the loan application process successfully. While a loan sanction letter is a significant milestone, it is by no means the final word on loan disbursement.

Here are the top five reasons why banks may withhold or cancel your home loan after issuing the sanction letter.

Low technical value of your property: You may assume that the price of your property is final by comparing it with the price of a nearby property or by the amount the builder or seller quotes. However, banks are not bound by these rates or quotes. They have their in-house team of experts who do their own property valuation based on various factors like age of the building, the quality of construction, market value, locality, accessibility to the plot, etc, to come to a final value.

Sometimes, banks conclude that the total valuation of the property is lower than the amount sanctioned by them. In such a scenario, they have no option but to either reduce the sanctioned amount or withhold the loan disbursement.

Legal dispute concerning the property documents: Banks offer loans to properties with a clean legal title. Sometimes, if the bank realizes after sanctioning that the property has a pending legal dispute or a legal attachment to it, that can be a reason for loan rejection.

The bank’s legal team traces all associated documents of your property in detail. If your property is found to have any legal issues or complications like a minor right, stake of other financial institutions, heirs missing, etc., associated with the title deed or with its prior title deeds, they are likely to reject the loan or hold it.

Late negative field investigation report: Banks do a physical background check on every loan applicant. This includes checking your personal and professional details and it is often carried out by professional external agencies.

Sometimes, the field investigation report reaches the bank late, after the loan sanction letter has been issued.

So, if the bank finds out that the field investigation report for you is negative due to any reason, they have all rights to cancel the loan. To avoid such a situation, make sure that you apply for a loan with all the right details and without hiding any financial or personal obligations as sought by the bank.

Processing fee cheque bounce: Processing fee is an important component for your home loan and is usually paid through cheque. Banks charge between 0.5 and 1% of the loan amount as processing fee on an average. Processing fee charges are not refunded even if your loan gets rejected.

But sometimes, the fee cheque goes for collection after loan sanctioning. If your processing fee cheque bounces for any reason, your loan stands a high chance of being rejected.

This is because loses their confidence in you as a trustworthy borrower for future repayments. So, plan the payment for processing fee charges and ensure that your savings account has sufficient balance.

Buying property from a non-approved builder: The builder involved in your property purchase also plays a significant place for your loan approval.

If the bank finds out that the builder is either blacklisted or non-approved with the bank, the bank can withhold your loan disbursement. Always check the credibility of the builder before you apply for a home loan . Home loans may have become simpler and easier to get, but do not always rely on your loan sanction letter. Ensure you take the above precautions so that loan disbursements are smooth and timely.

The writer is CEO,

HISD Board Approves Extra $212M For Bond Program

by Shelton on January 2nd, 2016

filed under House Loan

The Houston school board has approved a new infusion of cash for the districts troubled school construction program.

HISD trustees approved an extra $212 million to cover an expected construction budget shortfall.

Outgoing trustee Juliet Stipeche cast the lone dissent and wanted to wait for more examination of the troubled bond program.

Voters approved almost $2 billion in school projects in 2012 but the massive undertaking has run into budget problems.

HISDs interim chief operating officer Lenny Schad says that the bond team needed authorization for extra funds to stay on track and get better priced contracts.

Other trustees said the extra taxpayer money is like getting more on a car note or house loan when the price increases. 

Students also supported the measure, pleading for better conditions at Davis High School, like working water at science labs.

While the extra funding covers the shortfall, it doesnt completely resolve another question: why the bond program is facing a funding gap.

An internal audit found examples of mismanagement and lack of competitive bidding, but HISD maintains its because of inflation and rising construction costs.

In November the HISD board hired consulting firm KPMG to audit the construction projects to find out more.

At the December meeting the trustees also approved a $70,000 contract for an Iowa based search firm to find a new superintendent to replace Terry Grier. Hes leaving after February. 

They also voted to keep suspensions for young children as a last resort.

PM Narendra Modi seen pivoting from roads to fields in next budget

by Shelton on December 27th, 2015

filed under House Loan


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Plan for the future

by Shelton on December 26th, 2015

filed under House Loan

About 20% of a workers salary is used to pay for petrol or public transportation. If the worker has a house loan, another big chunk is taken away, Selvaraj illustrates.

He also proposes that the Government set up a financial education commission to build financial knowledge and skills among young people.

Selvaraj says people should also track their expenditure so that they know where their money goes and can cut back on unnecessary items.

Credit Counselling and Debt Management Agency (AKPK) CEO Azaddin Ngah Tasir says workers should voluntarily tuck away about 10% of their salaries for long-term savings, on top of the 23% set aside from their monthly wages by the EPF.

This means about 30% of a persons monthly salary is for the future. AKPK also recommends against people having monthly loan repayments exceeding 40% of their monthly income, he says.

Azaddin observes that current lifestyle pressures are different from the past, such as the demand for expensive coffee among the younger generation today.

Last time, earning RM5,000 a month could provide a comfortable life, but now the same amount is easily spent on a variety of costs. Loan repayments for cars, houses and rental of properties are also higher today, he says.

Based on data from the AKPK in September, poor financial management is cited as the top reason for debt problems among Malaysians.

This constitutes 22.1% of total default or debt problems, followed by a failure or slowdown in businesses at 16.7%. High medical expenses (14.2%) is also another factor while other reasons are losing control of credit card usage (10%), retrenchment (9%), and the high cost of living (7.4%).

Malaysian Trades Union Congress secretary-general N. Gopal Kishnam attributes the lack of savings among young Malaysians to the relatively low salaries paid here.

The Government needs to come up with proper policies to increase wages so that there is enough for expenses and savings, Gopal Kishnam says.

He says a large number of workers withdraw their salaries within a few days of it being banked into their accounts to pay off loans and other expenses.

Having EPF savings alone is not enough. If our income is not even enough for survival, how are we going to save? he questions.

For Malaysians to have more disposable income, Malaysian Employers Federation executive director Datuk Shamsuddin Bardan suggests that there should be a reduction in monthly EPF contributions by employees.

Maybe for the time being, the percentage of income that goes into an employees EPF account could be reduced. Hard times require hard measures, he says.

Shamsuddin suggests that the Government also allow employers to contribute more EPF savings for their workers instead of capping the limit at 19%.

Some caring employers contribute up to 19% to their workers EPF accounts. But why should it stop at 19%? If some companies want to give more, why stop them? he asks.

Independent financial adviser Yap Ming Hui stresses that one of the most important habits that Malaysians should have now is to stick to a proper budget according to ones income. He adds that a high income does not guarantee a debt-free life.

Some people believe that just because they earn RM20,000 or RM30,000 a month, they will not have a problem. But your expenses can still exceed your salary if you are not careful, he says.

Yap says there is too much temptation for Malaysians to spend on, especially for Gen Yers.

Sales and promotions are quite frequent here. A lot of expensive and attractive items are in the market, like smart phones.

If we couple that with the convenience of a credit card, it is very easy to overspend if you do not control yourself, he says.

A good rule of thumb that Yap believes every Malaysian should have is to save something, no matter how much or how little one earns.

Such habits should be cultivated from young to counter the temptation to spend, he says.

Related stories:

Strapped for cash

Measures to help EPF members

Stone County a great place to live or visit

by Shelton on December 25th, 2015

filed under House Loan

Stone County is a beautiful, peaceful and oftentimes overlooked portion of the Tri-Lakes Area that has many places of interest, as well as terrific dining, retail, schools and worship options.

More and more people are discovering its beautiful Ozark Mountain surroundings, neighborly small towns and laid-back lifestyle.

Southern Stone County’s communities such as Kimberling City, Reeds Spring, Indian Point, Branson West, Cape Fair, Lampe and Blue Eye areas offer access to beautiful Table Rock Lake, and central and northern towns and villages, such as Galena, Hurley and Crane feature rivers, streams and rolling pastures among the hills.

Its total land mass consists of about 464 square miles, according to the US Census Bureau, and is home to approximately 31,000 people. An interesting statistic, also according to the bureau, is that the population is about 51 percent men to 49 percent women. It would be hard to get more convenient than that. The median income is right at $41,000.

People living in Stone County reported in 2014 that about 86 percent have lived in their homes longer that one year and, based on the 2009-2013 Census, roughly 87 percent have a high school education or higher.

In short, Stone County is a wonderful place to live or visit and many have yet to explore its assets.

Table Rock Lake has numerous places in Stone County to fish, camp, swim, boat and ski. Scuba diving is available at Indian Point Dive Center in Indian Point. Thousands visit Silver Dollar City each year, you can golf at the stunning Ledgestone Country Club at Stonebridge and customers can still order a delicious twist cone in one of the area’s oldest businesses.

Pop’s Dari Dell, home of the Twist Ice Cream Cone, has been in business since 1958 and owned by the current family for more than 40 years.

Pop’s carries a wide variety of foods, including about 48 sandwiches, chicken, fish, burritos and many others.

Pop’s Twist cones come in vanilla and chocolate or you can order vanilla with your choice of as many as four of the eight different Flavor Bursts available at any given time.

Second-generation family member and owner Dale Minscer, Jr., said there are 258 different flavor combination that can be created with eight Flavor Burst cones. Make it a goal to try all 258 combinations at Pop’s located at 22527 Main Street in Reeds Spring. The restaurant will close Dec. 21 and reopen during the first week of January. Call 417-272-8290 for more information.

Meme’s Antiques amp; Country Cafe, also in Reeds Spring and owned by Judy Thornton, “makes you feel like you’re coming home to grandma’s.”

Thornton offers a menu consisting of delicious Chicken Bruschetta, open-faced roast beef, homemade chicken and dumplings, chicken fried steak, meatloaf and much more.

While you are there, you may spend time shopping or simply looking around at all of the unique items displayed or for sale in the store. You are sure to be satisfied with the entire experience.

Meme’s is located at 17 Spring Street in Reeds Spring. Call 417-272-0009 or visit them on Facebook at

One Body Pilates amp; More, owned by Cindy Gortman, teaches the Stott Pilates method.

Pilates is a contemporary approach to the original exercise method pioneered by the late Joseph Pilates. The founders of Stott Pilates, along with a team of physical therapists, sports medicine and fitness professionals, have spent more than two decades refining the Stott method of exercise and equipment. This resulted in the inclusion of modern principles of exercise science and spinal rehabilitation, making it one of the safest and most effective methods available.

Strengthening the stabilizing and postural muscles is key in Pilates. Pilates doesn’t just build strength in the large muscles, but works deeper to the smaller muscle groups. By strengthening the stabilizer muscles, Pilates exercises improve stability and this helps improve balance.

One Body Pilates is in Branson West at Claybough Plaza at 11016 State Hwy. 76, Suite 10.

For more, call 417-272-8400, or visit or Facebook at

Wedgewood Gardens Assisted Living is a family owned assisted living facility at 17996 Missouri Business 13 in Reeds Spring.

They believe you will experience a value in Wedgewood Gardens not found in other assisted living communities.

Their package for every resident includes all three meals and snacks; medication administration, management and ordering; nursing care assistance; 24-hour monitoring and assistance; personal laundry services and housekeeping; social interaction and both in-house and outside activities; concierge services, including transportation to activities; assistance obtaining physician-ordered therapies; and all utilities, even cable. They are children- and pet-friendly.

Wedgewood Gardens recently won an award for “World Class Staff.”

Call Wedgewood at 417-272-6666 or visit

Table Rock Community Bank is the locally owned bank that has two convenient locations in Stone County in order to better serve the community’s needs.

The expanded mortgage department means all loans are written locally, resulting in fast, in-house loan decisions. The bank’s team of lending professionals is ready to assist in finding the perfect loan for each person.

Totally Free Checking is really free. If you don’t want to keep a minimum balance in your checking account, then free checking could be the account for you.

Online Banking Made Simple is being able to initiate routine transactions and conduct research anytime, from anywhere. Customers can view account balances and transaction history, view account alerts, initiate account transfers and pay bills, whether using a computer, tablet or phone.

In Kimberling City, go to 1 Wildwood Lane or call 417-739-9300. In Branson West, go to 19014 Bus. 13 or call 417-272-9300 or visit

Leona’s Deli at 14894 Bus. Hwy. 13, right at the Branson West-Kimberling City line, has great food, low prices and friendly service.

After 10 years at the current location, Leona’s will move to a new home right across the street, to 14981 Bus. Hwy. 13.

Leona is an excellent cook and many regulars particularly enjoy her homemade soup of the day, and several of the sandwiches, although there is a wide variety of items on the menu that are all especially tasty.

She serves breakfast and lunch and always has a delicious homemade dessert available to purchase.

According to one of her customers, Leona’s is without a doubt the best place on Highway 13 for breakfast and or lunch. Food is excellent, the quantity is correct and the service is above reproach.

Call Leona’s at 417-739-DELI (3354), and remember, she will close Dec. 23 for the move and will reopen sometime in January. Search Leona’s Deli on Facebook for updated information.

Morningside is a place of worship and fellowship where people gather together to study God’s Word in church and in homes.

Morningside is also the home of the daily broadcast of “The Jim Bakker Show.” The show is an hour-long daily broadcast that is aired throughout the world through multiple broadcasts on Direct TV, Dish Network and other worldwide satellites.

In January 2008, Bakker moved the ministry and daily program to Morningside in Blue Eye on 700 acres in the Ozarks hills.

Part of Morningside is the rustic two-mile long Peaceful Valley with springs and streams of water with picnic tables and cabin homes. This valley is also home to the beautiful Tabernacle, which is home to Morningside Master’s Media training school.

If you come for a day or a lifetime, there is a place for you at Morningside.

There is also an RV Park and Wilderness Campground available, as well as condo rentals.

Reservations are not required to join “The Jim Bakker Show” studio audience and seating is free. Tapings may last up to six hours and audience members may stay for any portion.

Morningside is at 180 Grace Chapel Rd. in Blue Eye. Call 417-779-9000 or visit

Maple Hill Restaurant at 8089 W. State Hwy. 86 in Cape Fair has many customers that love the food and service.

One customer said Maple Hill has “very good service and delicious food. The people were so friendly and the atmosphere was really very homey. We will be stopping in there every time we are past that way.”

Another said, “Can’t wait to get back up there and visit. Biscuits gravy for breakfast was fantastic.”

Yet another said, “I give Maple Hill five stars. We eat there every chance we can.”

Maple Hill is sure to have great food, service and blackberry cobbler in a friendly family atmosphere at an reasonable price.

Call 417-538-2355 or search Maple Hill Restaurant on Facebook.

Suzie’s Mid-Town Cafe is described as having traditional American-style food with a hint of southern. The restaurant is owned by a US veteran family who support all military service members, past and present. They serve good home cooking at breakfast, lunch and dinner. The menu is basic, including some specials with fried chicken, barbecue and catfish, but according to the menu, some are out of this world.

Suzie’s is located at 22221 Main Street in Reeds Spring.

Call 417-272-0410 or search for Suzie’s on Facebook.

Papouli’s is Reeds Spring’s Greek and American restaurant.

They serve classic Greek dishes and, according to customers, add a personal twist on American favorites.

Many mention the cashew chicken, prime rib and huge margaritas. Others talk about the pork loin, moussaka and fried eggplant.

All say the food is fantastic and Papouli’s has been at this location for decades. If you haven’t eaten there, you are missing out on a local legacy.

A testimonial from one customer said, “My husband and I had our first date here 20-plus years ago and have been coming for our special occasions ever since. The service is excellent and food is magnificent. The owner is a delightful woman, who I believe they call Mama, that was there tending to everyone. We want to recommend that if you have never been here, make time to try this wonderful place on your next night out.”

Papouli’s is at 725 State Hwy. 248 in Reeds Spring. Call 417-272-8243.

Reeds Spring Pizza Co. is also in Reeds Spring at 22065 Main Street.

The website states, “Once upon a time… A French woman, by the name of Flavie (Flaw-Vee), walked into the small town of Reeds Spring and had a vision. Digging deep from within her French heritage, Flavie drew up plans for the Italian sensation, The Reeds Spring Pizza Co. After crossing paths with some great cooks, and with the help of her husband, Paul, and her three daughters, Flavie finally brought her vision to life. Now the pizza shop has been voted “Best Pizza Parlor in Missouri” by USA. Today, it’s a local favorite, and hosts many events, which include live music, stand-up comedy, and the showing of classic, award-winning films.”

The restaurant was also named 2013 Trip Advisor Certificate of Excellence winner.

Call 417-272-3507 or visit

El Lago is the new Mexican restaurant in Branson West at 18942 Bus. 13, across the street from Hardee’s.

El Lago boasts a full bar and features daily specials and now has punch cards so customers can earn punches toward future discounts and they are open all winter. See the coupon on this page for a great Mexican meal for a great price.

Call 417-272-8910 for more information.

Billy Gails is a local icon.

The restaurant offers a down-home breakfast and lunch and is known locally for its jumbo pancakes served on a plate and the size of hubcaps. Customers order a full stack and try not to “tap out” before the stack is finished.

Billy Gail’s is operated by Gail and her son, Randy, who offer “country comfort grub,” according to their Facebook page. says, “Billy Gail’s is a legendary place to eat breakfast in Branson …”

Billy Gail’s is located at 5291 Missouri 265 in Branson. See the Customer Appreciation coupon on this page for a very nice discount.

Call 417-338-8883 or search Facebook for Billy Gail’s.