Online Complaint Grievances Department of Labour, Government of Maharashtra

Table of Content

• Education Minister, Maharashtra — No response to application for photocopy of my ssc answer sheet since 26 days
• Website of Home Ministry of Maharashtra
• Trying To Be An Ideal Indian Olympic Association: Gagan Narang
• Education Minister, Maharashtra — Over charging fees.... No teaching properly.
• Email Address of Home Ministry of Maharashtra
• Home Ministry of Maharashtra User Reports

School principal is also involved in this he has his own book shop which is operated by his wife. Books are only available at there shop and that are compulsary to buy every class students... I am observing from last few years that they have different patterns of getting money apart from fees.

And after seeing the conditions deteriorating, bus services from Belagavi to Maharashtra's border area were also suspended. In a massive development, Maharashtra Deputy Chief Minister Devendra Fadnavis spoke with Union Home Minister Amit Shah over the ongoing Maharashtra-Karnataka border dispute. According to PTI, Pimpri Chinchwad police commissioner Ankush Shinde informed that the police have detained the ink thrower and have launched an investigation into the matter. ConsumerComplaints.in is a platform for consumers who have had negative experiences with companies. It is a place to share your concerns, issues, and have your complaints resolved.

Education Minister, Maharashtra — No response to application for photocopy of my ssc answer sheet since 26 days

Maharashtra PolICE is comes under the Home Department of the State. Home minister also takes necessary action for the development of the State. The address and contact number of Home Ministry of Maharashtra is also used for Home Ministry of Maharashtra Government and Home Dept Maharashtra Government. The contact information like email address, telephone number, website and postal cum official address of Home Ministry of Maharashtra is mentioned in below section. Velocity testing pune institute took lacks of rupees from students and giving fake documents and giving lacks of rupees job in top mnc companies. Velocity testing also responsible for millions of rupees scam.

I appreciate if you could help me to settle down this matter. All the above actions will be entered in to the system by the concerned area Officer or their clerks. Welcome to “Aaple Sarkar-Grievance Redressal Portal”. This portal has been created to provide convenience to citizens by allowing them to lodge a grievance through their mobile phones or computers.....

Website of Home Ministry of Maharashtra

Know the statistics of the grievance filed,disposed and pending on this portal.

Sir student who give re exam of Diploma they got marks more than those passed students. So sir its not good for regular student who passed diploma in first attempt. Because there is only 10 seats are available for dse.

Trying To Be An Ideal Indian Olympic Association: Gagan Narang

Awaiting your early favourable action in this matter. My humble request to Education department kindly look into this matter he college spoilled my education career. Drawing his attention to the remarks made by Agriculture Minister Abdul Sattar, the women's group submitted a memorandum demanding strict action against the minister. Days after the meeting, the Governor informed Khan that he had forwarded the plea to the state government for appropriate action.

Christian community suffering by forcely conversion alligations and suffering evry time Like Hersul in 15 days ago, 2011 in satana Why Maha. Take some action against attackers. Every person have the risght to follow and preach any religion which He want. Then why some organisations are targtting Christian community ? I have been awarded with JEEVAN RAKSHA PADAK 2007 President Award for saving five seriously injured victim's of 11 July 2006 local train bombblast despite being injured myself. I am also the first employee in State Excise Department, M S, Mumbai to get this award but still I am being mentally being harassed by our Commissioner and Jt.Commissioner.

We could not meet the DG in spite of our various attempts. The ADGP Trg has viewed our products from an experienced Investigation officers point of view rather than viewing it from the TRAINEES point of view and has rejected our product. We are waiting for this ADGP, Trg to be transferred or retire and contact again for marketing our products. I am into business offering high tech security products, solutions and technologies partnering with world leaders from countries such as Israel, USA, USSR, , etc and market our products across India. Check how to apply for Attestation Of Documents By Home Department by the home department,Govt.

This comes after massive protests by activists in large numbers tried to enter the disputed district on Tuesday, where two Maharashtra ministers were supposed to hold meetings. Maharashtra Deputy Chief Minister Devendra Fadnavis spoke with Union Home Minister Amit Shah amidst the ongoing Maharashtra-Karnataka border dispute. The responsible person is Mr.Ravi sir he has taken 10, 000/- from me as he said University asking about fees. The school teacher is the principal, where she teaches kids of both jr.kg and sr.kg together, as it was informed by the teachers husband. School class room is a part of the house, which is the hall or bedroom, where the school teacher doesn't allow parents to visit.

However, after his statement irked some sections of the society, he clarified his statement and said that he meant that these leaders established schools out of public money received through donations. Raosaheb Ramrao Patil (also known as R. R. Patil) is currently serving as the home minister of Maharashtra State of India. R. R. Patil is belongs to the Nationalist Congress Party of India. He works under Government of Maharashtra. Chief minister of Maharashtra appointed the home minister of Maharashtra. Home minister of the State handles all security issues related to that State.

Of Maharashtra.The department will provide service within 7 days. Concerned officer will go through the report & will give instruction for taking appropriate action. Concerned officer will look into the complaint & investigate it through the concern area officer / Inspector, who will submit a report. If your grievance is not resolved within 21 days. As per Section-B, Sr No-6 of Govt Resolution dated August 24, 2016 you can call concerned Nodal Officer. Ink was thrown at Maharashtra's Higher Education minister Chandrakant Patil in Pimpri city on Saturday in an apparent protest against remarks where he allegedly insulted Dalit icons BR Ambedkar and Jyotirao Phule.

HELOC Rates For December 7, 2022: 20-Year HELOC Rates Jump Up

Table of Content

• Is your current mortgage FHA‑insured?
• Refinancing your HELOC into a home equity loan
• Home refinance
• Take advantage of these interest rate discounts
• Home equity lenders reviewed by Bankrate
• Use the funds to "buy, build, or substantially improve" your property

Skylar Clarine is a fact-checker and expert in personal finance with a range of experience including veterinary technology and film studies. Doretha Clemons, Ph.D., MBA, PMP, has been a corporate IT executive and professor for 34 years. She is an adjunct professor at Connecticut State Colleges & Universities, Maryville University, and Indiana Wesleyan University. She is a Real Estate Investor and principal at Bruised Reed Housing Real Estate Trust, and a State of Connecticut Home Improvement License holder. A home equity loan is a consumer loan allowing homeowners to borrow against the equity in their home. Investopedia requires writers to use primary sources to support their work.

Or, you can use the funds to pay off other high-interest debts like credit cards, student loans or car loans. Other common examples are college expenses for your children or unexpected family medical bills. HELOCs typically function as interest-only loans during the draw phase, which is usually 5-10 years.

Is your current mortgage FHA‑insured?

Interest.com provides such links as a convenience, and does not control or endorse these websites and services. While you do not have to repay principle during an interest-only draw phase of a HELOC, you can usually do so without penalty. This is helpful for people who have irregular incomes or expenses and are seeking to smooth out the peaks and valleys of their finances. A home equity line of credit, or HELOC, is a special type of home equity loan.

As with some other lenders, you can convert some or all of your balance to a fixed-rate loan. Third Federal charges a $65 annual fee, which is waived for the first year. Once the draw period ends, you start paying back the principal, along with any additional interest that accrues while you are paying off the remaining balance. Here’s how a Heloc works, why repayments can be unpredictable and how to shop for the best rates. Helocs a popular option to pay for large expenses like a major home renovation, or just as a supplement to an emergency fund.

Refinancing your HELOC into a home equity loan

You don’t have any way of knowing what rates will be when your draw period ends because a HELOC’s rate is variable. Plus, the longer you owe principal, the more interest you will have to pay. You stand to save more money if you make principal and interest payments from the beginning.

They offer financing based on the equity in your home, not on your ability to repay the balance due. If you fall behind on the payments, the lender can try to declare your financing in default and serve you with a notice of default. Refinancing your home, getting a second mortgage, taking out a home equity loan, or getting a HELOC are common ways people use a home as collateral for home equity financing.

Home refinance

Quotes displayed in real-time or delayed by at least 15 minutes. If the HELOC isn’t what you expected or wanted, don’t sign the financing. You can cancel for any reason,but only ifyou’re using your main residence as collateral. That could be a house, condominium, mobile home, or houseboat. The right to cancel doesn’t apply to a vacation or second home. And be sure to avoid any lender who promises one deal when you apply, but gives you a different set of terms to sign, with no good explanation of the change.

If you’re looking to tap the wealth you’ve built through homeownership, a home equity line of credit, or Heloc, can be one of the most flexible and least expensive options available. Close in as little as 17 days – with a low rate and a better payment. That doesn't mean you'll be able to borrow up to $100,000, though.

However, once the draw period is up, you’re no longer allowed to use the line of credit and must start repaying the balance, including principal and interest. Repayment periods often last 20 years, though that can vary by lender. Home equity loans are similar to a HELOCs , but they require homeowners to take all of their funds at once and repay the balance with fixed monthly payments.

Interest rates are typically periodic rates that are calculated by dividing the APR by 360 or 365 days multiplied by the days in the billing period. There are many other ways interest is calculated and credited, but the majority of financial institutions use the methods above for lines of credit. The CNET mortgage calculator factors in variables like the size of your down payment, home price and interest rate to help you figure out how large of mortgage you may be able to afford. Using the CNET mortgage calculator can help you understand how much of a difference even a slight increase in rates can make in how much interest you'll pay over the lifetime of your loan. You have to be approved for a HELOC by a bank or lender just like with your mortgage. You will need to provide financial documents like pay stubs and information about your home's value, like your loan-to-value ratio.

Heloc’s may charge slightly higher interest rates than a comparable first mortgage—but they are far cheaper than a credit card. Remember that unlike popular 30-year fixed-rate mortgages, most Helocs have floating rates. An FCU should consider whether interest-only payments are appropriate in its loan program based on a risk management analysis. Another important difference between the two products is that HELOCs typically have floating interest rates, while home equity loans are fixed. In a rising-rate environment, that might make loans a better option. Citizens offers HELOCs with APRs starting at 4.5% as of July 13, 2022, which was below the national average at that time.

Suzanne De Vita is the mortgage editor for Bankrate, focusing on mortgage and real estate topics for homebuyers, homeowners, investors and renters. This link takes you to an external website or app, which may have different privacy and security policies than U.S. We don't own or control the products, services or content found there. If you own your home and you are willing to use it as collateral, a Heloc can be a cost-effective way to borrow.

Best home equity line of credit (HELOC) rates in December 2022

The interest rate for a 10-year HELOC averaged 5.75% this week. That’s down drastically from 6.03% last week and from 6.62%, the high over the past year. The average rate on a 10-year HELOC is 5.75%, according to Bankrate.com, while the average rate on a 20-year HELOC is 7.82%. She has 20+ years of experience covering personal finance, wealth management, and business news. Accessing your home equity with a HELOC can be a convenient low-interest financing option. Home equity is the calculation of a home's current market value minus any liens attached to that home.

PenFed generally offers HELOC amounts from $25,000 to $1 million. You can draw on the credit for the first 10 years and then the repayment term is 20 years. PenFed also offers the ability for a HELOC borrower to switch from a variable-rate loan to a fixed-rate loan on all or some of the interest payments. By not making principal payments until you’re employed again, you can save that cash for other expenses, like paying your first mortgage or buying groceries.

Safeguards and Protections for HELOCs

And ask each to meet — or beat — the terms of the other lenders. Consider contacting your current lender to see what they offer you as a home equity loan. They may be willing to give you a deal on the interest rate or fees. Then do some research into the lenders’ offerings and prepare to negotiate a deal that works best for you.

HELOCs generally have a variable interest rate and an initial draw period that can last as long as 10 years. Once the draw period ends, there’s a repayment period, when interest and principal must be paid. Home equity loans come with low, fixed rates, so you know what your monthly payments will be over the lifetime of your loan. Use the monthly payment calculator from Discover to find a fixed rate and monthly payment that fits your budget. Home equity loan - This is a lump-sum, secured loan borrowed against the equity in your home and repaid monthly over five to 30 years.

Calculate Home Equity Line of Credit Interest

Table of Content

• BMO Harris Bank: Best home equity line of credit for different loan options
• What is your property's value?
• Disadvantages of a home equity line of credit
• View home equity line of credit rates

Skylar Clarine is a fact-checker and expert in personal finance with a range of experience including veterinary technology and film studies. Doretha Clemons, Ph.D., MBA, PMP, has been a corporate IT executive and professor for 34 years. She is an adjunct professor at Connecticut State Colleges & Universities, Maryville University, and Indiana Wesleyan University. She is a Real Estate Investor and principal at Bruised Reed Housing Real Estate Trust, and a State of Connecticut Home Improvement License holder. A home equity loan is a consumer loan allowing homeowners to borrow against the equity in their home. Investopedia requires writers to use primary sources to support their work.

This can be found by taking the total current value of your home, minus the remaining balance on your mortgage. Alliant offers HELOCs as low as $10,000 and up to $250,000 in order to get certain closing costs waived. Alliant also waives the application fee, appraisal fee or closing costs on HELOCs up to $250,000. Since Connexus is a credit union, you will have to become a member before accessing their loan products. Since PenFed is a nonprofit credit union, you will first need to become a member before gaining access to their loan products. Manage your account, make payments and transfer funds using our top-rated Mobile Banking app and Online Banking.

BMO Harris Bank: Best home equity line of credit for different loan options

You’ll continue to pay principal and interest on what you borrowed. You understand that you are not required to consent to receiving autodialed calls/texts as a condition of purchasing any Bank of America products or services. Any cellular/mobile telephone number you provide may incur charges from your mobile service provider.

They are also more difficult to obtain and often require a highercredit score. Lenders attempt to compensate for the increased risk by limiting the number of funds that can be borrowed and by charging higher interest rates. Credit cards are technically unsecured lines of credit, with the credit limit—how much you can charge on the card—representing its parameters. Also, like credit cards, lines of credit tend to have relatively high interest rates and some annual fees, but interest is not charged unless there is an outstanding balance on the account.

What is your property's value?

The APR for all other loans assumes a loan amount of $100,000. Follow home listings online and save hundreds or even thousands of dollars at closing. A Home Equity Loan is available with a fixed or adjustable interest rate.

If you decide not to take the HELOC because of a change in terms from what you expected, the lender must return all of the fees you paid. Your right to cancel gives you extra time to think about putting your home up as collateral for the financing to help you avoid losing your home to foreclosure. If you have a personal financial emergency, you can waive this right, but be sure that’s what you want before you waive it. Before you sign, read the loan closing papers carefully.If the loan isn’t what you expected or wanted, don’t sign. You also generally have the right to cancel a home equity loan on your principal residence for any reason — and without penalty — within three days after signing the loan papers.

Disadvantages of a home equity line of credit

You need a credit score of at least 660 to qualify for most Home Equity Loans, while a score of 720 and above puts you in an excellent place to access the loans. Total amount of all outstanding home loan balances, including your first mortgage, second mortgage, and any other debt that is secured by your home. Users can find information on a single credit union or analyze broader nation-wide trends. The amount of loan you can receive is based on how much equity is in your home.

Please be advised that SAFE Federal Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by SAFE Federal Credit Union. The more equity you have, the more options will be available to you.

The limit is half that ($375,000) for married couples filing separate returns. Loanflippinghappens when the lender encourages you to repeatedly refinance the loan, which often leads you to borrow more money. Each time you refinance, you pay additional fees and interest points. The amount that you can borrow — and the interest rate you’ll pay to borrow the money — depend on your income,credit history, and the market value of your home. Many lenders prefer that you borrow no more than80percent of the equityin your home.

The average purchases are summed and added to any pre-existing balance, and then the average daily amount of payments on the account is subtracted. The leftover figure is the average balance, which is multiplied by the annual interest percentage rate . Taking out a home equity line of credit may still be worth it even if the interest is not deductible to you, depending on how you plan to use the money. If you’re interested in consolidating credit card debt, for example, and if you can get a much lower rate with a HELOC, then you could save money this way. Of course, this strategy assumes that you’ll pay the HELOC down as quickly as possible to minimize interest charges and that you won’t run up new debt on the cards that you’ve paid off. HELOCs can help you to unlock larger sums of money than you might be able to borrow with a personal loan or a credit card.

A home equity line of credit is a mortgage product that lets homeowners access cash based on the equity in their home. They can usually be for 80%-85% of the home’s value and are typically drawn over a period of 10 years. Let’s say you need to replace your 20-year-old roof, an old furnace or ductwork.

PenFed’s initial interest rate, 0.99% for the first six months, isn’t just a great deal; the 5% rate that could follow is also below the national average. PenFed also lets you borrow up to 90% of your home’s equity, which is more than many lenders do. Manage your account and make payments using our top-rated Mobile Banking app and Online Banking. Use our Rate Calculator to find the rate and monthly payment that fits your budget.

The rest would be nondeductible because your total indebtedness exceeds the $750,000 cap. The lender may stop credit advances on your account during any period in which interest rates exceed the maximum rate stated in your agreement, depending on what your contract says. To cancel, you must inform the lender in writing within the three-day period. Then the lender must cancel its security interest in your home and must also return fees you paid to open the plan. We strive to provide you with information about products and services you might find interesting and useful.

Rates may be fixed or adjustable, and funds may be delivered in a lump sum, a line of credit or monthly installments. You have good credit - In addition to home equity, lenders also consider your credit score and credit history when applying for a HELOC. Most lenders require a minimum credit score of 620 to qualify. When a homeowner takes out a HELOC, the property on which the line of credit is drawn becomes collateral. That means that the lender has a lien on the property, and can foreclose if the owner doesn’t pay back the funds that have been drawn.

House Interior Design Ideas to Fit Your Home's Architectural Style

Table of Content

• Trend Report
• Interior Designers & Decorators
• Things You’ll Always Find In Interior Designers’ Homes
• Take a Risk on a Dark Paint Color
• Drawing Room Design Ideas

In fact, it’s very easy to confuse contemporary with transitional and in fact for both types it’s often easy to argue a particular interior design is one or the other. Shabby chic interior design is all about arranging vintage furniture and soft linens in the most comfortable yet elegant way. Keep the walls neutral and linen light, preferably white and naturally textured. Some glossy decorations in brass, gold, or silver typically add a little oomph to this rustic style.

Accompanying these are a 1960s Hand chair by Pedro Friedeberg, a Drake-designed sectional sofa and photographs by Alexandra Penny. Since we spend most of the warmer months outdoors, the colors in this room make it the perfect cozy winter hideaway.” The overdyed rug, from ABC Carpet & Home, mingles in the space with a pair of Eero Saarinen Womb chairs. Some trending modern bohemian designs include those inspired from southwestern, Moroccan and tribal styles that may typically consist of animal hides, metallic accents and wood. Industrial design became popular in the 1990’s as many North American city centers started enjoying a refurbishment by converting old manufacturing facilities and warehouses into condos and multi-unit residential buildings. One of the most vital aspects about traditional interior design is ‘symmetry’ which means that everything from sofas to lamps to accessories has to be in pairs.

Trend Report

Nothing matches better with a beach house interior than coastal interior design. These statement homes are full of natural light and calming hues. Layering natural textures like sisal and jute with white linens give the style an earthy look, almost resembling the foamy push and pull of water on the sandy beach. We all know that Instagram and Pinterest have a way of making designer homes look absolutely perfect, no matter the angle or hour of the day. One of the most important components of any interior design format is its ability to meet the needs of the person living within that environment.

"The use of floor-to-ceiling windows and basic, simple finishes makes the style attractive to a clientele that is looking to embrace an organic lifestyle in their home without compromising aesthetics." One notable exception to the warm color trend is the continued popularity of sage green. Sage is a cool and calming color that can be used in any room of the house. It’s a great choice for bathrooms, bedrooms, and kitchens because of its ability to create an atmosphere of serenity and relaxation.

Interior Designers & Decorators

Considering just how beautiful mid-century modern can be, it's easy to see why it caught on during a time when many people didn't have a significant design budget. Despite the tough economic outlook for 2023, people still want to make their homes feel luxurious. Gold candlesticks, mirrored accessories, and velvet textiles all contribute to a luxurious feel in any room. While many products, like this gold framed wall mirror from Wayfair, can be purchased new, similar luxe accents can also be thrifted. With a recession hitting in many parts of the world, many home decorators may be working on tight budgets in 2023—but that doesn’t mean they have to miss out on some of the year’s biggest trends. Luckily, everything vintage is in, and the most desirable products can be found at the local secondhand store or antique market.

These 20th-century marvels bent the mold to bring us a reimagined home. Work one-on-one with our expert interior designers for just $129 per room. From patterned sofas and statement wallpaper to eye-catching artwork and sculptural lighting, designers live for unexpected “wow” moments that make their homes feel special. When in doubt, select one bold element, and design your entire space around it. Expertly mixing wood tones is no easy feat, but interior designers know how to pair white-washed oak with classic maple without skipping a beat. Rather than sticking to a single wood tone in a space , the pros lean into the magic of varied finishes.

Things You’ll Always Find In Interior Designers’ Homes

The designers also recommend using rugs to define these mini-areas. Lindsey Lanquist is a design expert for MyDomaine, covering the latest home trends and design tips. In addition to serving as former senior editor at StyleCaster and staff writer at Self, her work has appeared in Cosmopolitan, Byrdie, Verywell, SheKnows, Nylon, and more. Don’t stop yourself from the comfort of falling asleep in a cosy bed. Try these space-saving bed designs that are intelligent and comfortable. Photo by Francesco LagneseSpring Cleaning by Kati Heck hangs behind a directoire-style daybed in the living room of Brian J. McCarthy’s country house in the Hudson Valley region of New York.

“Display beautiful plates and glasses on open shelves for functionality and style,” Esther Dormer, interior designer at Dormer Design, says. Of course, you can extend this idea well beyond the kitchen—and into any other room with pretty stuff you need to store. Your ceilings also deserve some love, and they can be the perfect place to make a surprising statement. “We tend to forget about the fifth wall in our home—the ceiling,” Pyarali says. You can never have too many interior design ideas up your sleeve.

The centerpiece of the space is the custom wallpaper, which Moon created with de Gournay. The design, painted on gold leaf with matte pigments, depicts the Church of Maria Santissima del Carmelo in Palermo, along with iconic Sicilian flora and fauna. A rug can define a space, break up a large room or highlight a particular area – it can play a number of roles.

When you spend your days creating beautiful spaces for other people, how do you build a nest that embodies your personal style? See how top designers live, and get inspired by their spectacular abodes. Each designer talks at length about their working life, their own homes and how they became interested in decoration.

'We shouldn’t be too surprised by the colour palette – soft greys/tans and ivories are seemingly what the Sussexes enjoy and certainly make for a serene feel. Ensuring that your guests have a handy perch for chit chat while you’re sorting the menial working tasks' to the soft lighting. She has worked closely with Homes & Gardens and Livingetc for over a decade, having styled and produced editorial shoots and events for both titles over the years. ’s home for 15 years, there’s a mix of practicality and decisiveness, of warmth and comfort, indicative of her general approach to design.

From real to life-like faux, popular houseplants like the Bird of Paradise, Majesty Palm, Sansevieria, olive trees, and more add height, color, and life to any space. Remember that you don’t have to stick to just one era, palette, or general aesthetic. In fact, mixing and matching pieces from different décor styles can leave you with a space that feels texture and dynamic.

This Weekend Home in Amagansett, New York Reflects an Elevated, Oceanside VibeInspired by the nearby beach, this Hampton home design by Monica Fried Design reflects an elevated, organic vibe. This Park City Property Boasts Stunning Views and Elevated AmenitiesA Park City, Utah, property by CLB Architects offers drop-dead views and hotel-worthy amenities, raising the bar for residential design.