Tuesday, August 2

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Humana Job Fair on Aug. 2nd and 3rd.

The jobs will support Humana's Direct Marketing Services (DMS) call center located in the Biltmore. Interviews will be conducted on-site during the job fairs, so interested candidates should bring several copies of their current resume.

The telesales positions will provide national phone sales and enrollment assistance for Humana's Medicare benefit plans and senior products as well as specialty products. These consumer advocate positions will directly handle inquiries and provide guidance to help new and existing Humana members nationwide find benefit solutions to meet their needs. 

Humana, a Fortune 100 company, is adding these jobs in order to meet the demand of the upcoming annual Medicare open enrollment period from Oct. 15 to Dec. 7, 2016. Humana pays for telesales associates to obtain their Arizona health insurance license, and also provides in-depth certification and sales training for new hires.

Humana is seeking to fill these positions immediately with starting dates in mid-August. To apply online, visit careers.humana.com.  Enter requisition number 159659 for full-time positions, or 160327 for seasonal positions.

Tuesday, Aug. 2, 12-7 p.m. and Wednesday, Aug. 3, 9 a.m.-noon

Humana's Direct Marketing Services (DMS) Call Center
2231 E. Camelback Road
Phoenix, AZ 85016

Jobertising.Com Job Fair

Hundreds of jobs will be up for grabs in sales, marketing and customer service. Some employers will be hiring on the spot. 

The event will be held at the Maricopa Corporate Center on 1050 West Washington Street, Ste. #133, Tempe, Arizona, 85281. This job fair is open to the general public and there is no cost to attend. The event runs from 11 am to 2 pm.

Bring plenty of resumes and dress for success.

For more information visit: https://jobertising.com/CareerFair-Tempe-August-2016

National Ice Cream Sandwich Day/ Slickables

Get an ice cream sandwich every day for $2 bucks, making every day feel like National Ice Cream Sandwich Day! What better way to celebrate the height of summer than with Ice Cream Sandwich Day? Get out of the sun and enjoy a cool, creamy treat in the form of rich ice-cream layered between sweet cookies. Delicious!

For more information visit: http://www.slickables.com/about

Slickables-Tempe 
699 S Mill Ave #117
Tempe, AZ 85281
(480) 409 - 4591

Billy Cobham at the Mesa Art Center

He's played with jazz greats that we all know and love, like Miles Davis and Herbie Hancock. Now he's here in the Valley sharing the Art of the Rhythm Section with aspiring musicians! You can hear him with Spectrum 40 Band at Mesa Arts Center this Friday night, August 6th.

For more information visit: http://www.mesaartscenter.com/index.php/shows/performing-live/billy-cobham-and-the-spectrum-40-band

Mesa Arts Center
Address: 1 E Main St, Mesa, AZ 85201
Phone: (480) 644-6500

10 Tips to Find a Babysitter or Nanny

Whether in the midst of the summer while kids are home from school or come late September/early August when older children head back to school, parents are on the lookout to find nannies or babysitters for their younger children. 
Childhelp has joined with their child safety experts to compile a list of tips to help parents find a well-qualified, safe babysitter or nanny for their little ones.  
 
10 Tips for finding a babysitter
1.) If possible, avoid finding a sitter online. Ask those you trust family and friends for referrals first.
2.) Conduct a background check. Ask for a list of references and call everyone on the list.
3.) Schedule in-person interviews at your home. 
4.) Ask questions such as:
    "How do you deal with fussy babies?"
    "How would you handle a situation where the children refuse to go to bed?"
    "Tell me about a difficult babysitting situation you've faced and how you handled/resolved it?" 
    "What do you find most challenging and rewarding about being a sitter?"
5.) Bring your children into the second half of the meeting and observe how potential sitters interact with them.
6.) Take notes to refer back to when making a final decision.
7.) Evaluate how your child's strengths and struggles pair up with any potential candidates. 
8.) Trust your instincts. If something doesn't seem right, don't go through with it. 
9.) Give yourself plenty of time to find the right sitter. This will prevent you from making a rushed decision.
10.) If your child attends daycare/preschool, consider hiring a teacher from their school. These individuals have training, have gone through the school's background check and there's a good chance your child knows them and feels comfortable with them.

For more information, log on to www.childhelp.org, facebook.com/childhelp or twitter.com/childhelp.

Pinspiration

Pinspiration is a DIY arts and crafts studio/wine bar/events space in the Scottsdale/Phoenix area located on High Street (City North). 

The studio removes DIY's common barriers to creativity and make it easy for every member of the community to unleash their inner artist and "try DIY.

Pinspiration's hip studio offers both open-ended and tutorial-let art experiences in a supportive, playful venue. Customers have access to a variety of high-quality art supplies and tools. Customers can create their own idea on the spot or they can choose from an array of ever-changing monthly project menus based on the most popular "pinned" social media projects and current craft trends. 

The venue includes a VIP party room, a full-service beer/wine bar, a crafting/project room and Arizona's first splatter room, inspired by Jackson Pollock. 

Please call ahead at 480-636-8010 or email info@pinspirationaz.com before visiting so we can make sure your space is reserved for your group.

Visit their website at: www.pinspirationaz.com

Pinspiration
5410 E. High Street, Ste 105
Phoenix, AZ 85054
480-636-8010

Trending Credit

In June, Fannie Mae announced the implementation of Desktop Underwriter Version 10.0, which will require lenders to use trended credit data when underwriting single-family borrowers, is now scheduled for the week of Sept. 24, 2016.

How Does It Work?
Your credit report currently shows the credit you've applied for, if you're current on payments and how much you pay. However, up to this point, your credit reporting when you apply for a home loan is basically a snapshot in time. During the mortgage approval process, your past credit history isn't taken into account to give a fuller picture of your overall credit worthiness. That's now changing.
Trended credit takes into account the following behaviors:
    
If you pay your credit card balance in full each month, you may be considered less risky than someone who carries a balance forward.
    
If you transfer balances without paying them off, that will be seen as more of a risk by Fannie Mae.
    
The formula will also take into account whether you're a non-user/infrequent user of your cards or use them at a specific time each year. This can benefit clients who previously might not have shown much credit utilization if they only use the card over certain times of the year, like the holidays.

What This Means for Applicants
It's impossible to know how this will affect the percentage of mortgages that Fannie Mae approves at this point, but here's what we can tell you.
This is just another factor Fannie Mae uses in order to determine your ability to obtain and keep up with payments on your mortgage. However, if you have certain factors like a borderline credit score and a higher debt-to-income ratio (DTI), this could very well be the tipping point that gets you approved or denied.

If you hurry, you have the same choice when it comes to how your mortgage approval is judged. When Fannie Mae rolls out the new version of their automated approval engine, they still have to support the old version for all loans that started prior to the new version.
This means if you think you might be on the edge with a higher DTI ratio, borderline credit score and you carry a balance it makes sense to apply before September 24. If you're not on the tipping point, you can go ahead and apply now if you're ready. You would likely be approved either way.
Who might benefit from applying earlier? Let's take a look at a quick real-world scenario.
Let's say Chris has a 630 credit score. The minimum credit score on a conventional loan from Fannie Mae is 620. He also has a 45% DTI, meaning that 45% of his monthly income goes to paying off debt. These are both factors that put him on the very edge of approval for a Fannie Mae loan. If he also routinely makes the minimum payment on his credit cards, chances are good he would probably be viewed as a more risky client by the new version of the automated underwriting system. Some lenders may choose to manually underwrite Chris's loan, although Quicken Loans doesn't do this for Fannie Mae loans.

If you see a lot of yourself in Chris, you may especially benefit from applying before September 24.
If, on the other hand, you have similar stats to Chris, but you always pay off your credit cards or a substantial portion, you can still apply today because odds are good that you'll get approved. Nothing stops you from trying again after the change goes through either.

For more information visit these websites:
http://www.creditcards.com/credit-card-news/trended-data-credit-bureaus-1270.php

http://www.fanniemae.com/portal/about-us/media/corporate-news/2015/6305.html

AAWL Pup-Panda Bear

Hi there, my name is Panda Bear. I may look a little different, but I have so much love to give! I live for attention and cuddles. I would even love some dog friends to play with! I'm pretty much the perfect dog. I can't wait to play and get to know you!    

Animal ID    33053366 
Species    Dog 
Breed    Australian Shepherd/Mix 
Age    1 year 4 days 
Sex    Female 
Size    Large 
Color    White/Tan 
Spayed/Neutered       Site    Arizona Animal Welfare League & SPCA 
Location    Building 7 
Intake Date    7/28/2016 
Adoption Price    $203.00 

For more information visit: https://aawl.org/                             

Arizona Animal Welfare league
25 N 40th Street Phoenix AZ 85034
602-273-6852

Burger of the Month

Burger Theory is an exceptional burger concept that seeks to reinvent classic dishes by exciting your taste buds with new and fresh flavors. With over 4,300 burger options and 30 plus local craft beers, there will be no shortage of excellent dining options. Burger Theory's fun and lively atmosphere will have you coming back for more. 

For more information visit: www.burgertheoryphx.com 

Burger Theory 
4401E. McDowell Road 
Phoenix, AZ 85008 
602-358-0924