Red Hot

Here are some more information for Red Hot:

As a doctor, you know that many businesses will consider you to be a special customer and will offer you additional discounts that are not available to the general public. Did you know that this applies for mortgages as well?

Some mortgage lenders specifically target doctors; they are happy to drop their margins down to the point where they barely make a profit just so they can secure your business. They do this because they know that doctors are less likely to go into foreclosure, and are likely to borrow more in the future.

To negotiate a special deal with a bank most people would need to borrow $750,000 or even $1,000,000. As a doctor you can get access to special discounts for loans that are as low as $400,000. The secret is to apply with the right bank!

If you apply with a bank that is a little tight on lending money due to funding constraints, then it is unlikely that their pricing department will issue a negotiated rate approval for you. However if you know which banks are "cashed up" and hungry for new mortgages, then you will almost certainly get a special deal.

You can qualify for a discounted loan as any type of doctor of medicine including the following professions:

• Surgeon
• Psychiatrist
• Podiatrist
• Optometrist
• Dentist
• Obstetrician
• Pediatrician
• Neurologist
• Cardiologist
• Dermatologist
• And many more...

A select few banks will require you to be a member of a professional body such as the American Medical Association (AMA) if you are in the US, the British Medical Association (BMV) if you are in the UK or the Australian Medical Association (AMA) if you are in Australia. They can consider members of other associations on a case by case basis.

How do you know which bank is going to give you the best rate? Simple, talk to a mortgage broker who specialises in mortgages for doctors & medical professionals.

About the Author

Otto is a Mortgage Broker that has specialised in the credit guidelines of the major banks for over 7 years. His company the Home Loan Experts is now one of the top home loan broking firms in Australia. He can help medical professionals both in Australia and overseas to apply for a special discount for a loan to buy a property in Australia.

My Red-hot Addiction

When I was 6 years old, Papa put some crushed red chili on my soy sauce and vinegar mixture while I was eating my favorite fish. I threw tantrums at him because it's too spicy and he ruined my appetite. He kept me quiet by saying, "You couldn't go to Heaven if you couldn't eat spicy foods"! Being a gullible little girl, I believed in his words and started adding peppers to my favorite dishes. My taste buds were able to tolerate it in the hopes of having a surefire way of going to Heaven! As I got older, I realized that Papa tricked me but it was too late to whine about that because I had already developed a penchant for spicy dishes!

As the years went by, my favorite local snacks with pictures of hot pepper were becoming almost tasteless. My dosage for this addiction was increasing! Were my cranial nerves becoming numb? What went wrong?

After my first Korean dining experience, I came to a conclusion that nothing was wrong with me and that my cranial nerves just need a good "kick" from spicier foods! I had immediately become a fan of Korean dishes. As I learned more about them, I was astonished that red pepper was introduced in Korea during the 16th Century due to the Age of Exploration. Although I've tasted non-spicy Korean foods, it's hard to imagine what it would be like if that historical moment never happened!

If it never happened, there would be no gochujang, a condiment that's bright red and sticky made from starch, powdered fermented soybeans, red chili powder, salt, & water. It goes well, not just with Korean dishes, but with Filipino dishes too. A tablespoon of gochujang mixed with a cup of steamed rice can make leftover viands seem like an exotic meal. It's a bit pricey for an ordinary worker like me but it's a red-hot addiction worth splurging for!

About the Author

Purple Chunsa is a Virtual Assistant from Agents of Value who loves eating spicy food, collecting stuff with panda designs, listening to classic rock music and playing Legend of the Five Rings CCG with her male friends.

She's planning to write more food reviews at Purple Chunsa's Hunger.

What happens after the Red Hot Deal Days?

After the Red Hot Deal days is over, do the phones that were on sale go down in price?

usually if there was a sale on , when its over the prices go back to normal. thats the whole point of it. They have a period of knockoff prices to try and get you to buy there product then they will go back to normal prices after.

Seneca East falls to red-hot New London
WILLARD -- The Seneca East Lady Tigers ran into a red-hot New London team in the upper bracket final of the Willard sectional tournament.

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