Grand Junction CO Real Estate Listings, Homes, Properties, and Lots

Table of Content

• hk independent house for sale in gettikambai kotagiri
• POPULAR PROPERTIES
• Hill Station Real Estate Listing
• hk independent house for sale in bettati coonoor
• Ooty
• If it is a hill property,

"I certify that the facts contained in the application are true and complete to the best of my knowledge and understand that, if employed, falsified statements on this application shall be grounds for immediate termination. Let us know Your hill property dream, be it Summer home, Vacation home, Stress free stay, Retirement life, Investment or Social Status. Cute hill view cottage in Ooty for sale near Kotagiri amidst tea gardens. This 2 BHK villa in Ooty is located near Kambatti village, Kotagiri Taluk... I understand that if hired my employment is for no definite period and may, regardless of date payment of my wages and salary, be terminated at any time without prior notice."

I authorize and request my former employers, references and educational institution which have information about me, to give this company and all information and opinions about me in their possession and which may lawfully be disclosed. I hereby waive written notice of such release of information and opinions and release such former employers, references and educational institutions from any liability or claim relating to such release of information and opinions. I also authorize and request federal, state and local governmental agencies to release to this company any information requested concerning any criminal convictions on my record.

hk independent house for sale in gettikambai kotagiri

We will let you know the property that suits to your dream, budget & purpose. We manage your properties efficiently and effectively, providing exceptional service.

I release this company and all its employees from all liability for any damage that may result from furnishing information to this company. I also release this company and all of its employees from all liability for any damage that may result from reliance on the information furnished. I understand that if a consumer investigative report is requested, I have the right under the Fair Credit Reporting Act to request in writing, within a reasonable time, a complete and accurate disclosure of the nature and scope of the investigation. This writing request should be addressed to the location where this application is filed. I have read and understand the foregoing Disclosure and authorize the company to obtain and rely upon consumer reports or investigative consumer reports or investigative consumer reports in considering me for employment and, if I am employed, in considering me for subsequent promotion, assignment, reassignment, retention or discipline. By my signature below, I authorize the company to obtain any such reports and to share the information received with any person involved in the employment decision about me.

POPULAR PROPERTIES

We understand that buying or selling a home is more than just a transaction. Our Real Estate Agents at Hills & Homes are dedicated to providing exceptional, personalized service for all of our clients. We take great pride in the relationships we build and continuously work on our client’s behalf to help them achieve their real estate goals. I certify that this application contains no willful misrepresentation or falsifications and that this information given by me is true and complete to the best of my knowledge and belief.

I understand and agree that any omission, false statement, misleading statement or answers made by me on my application or any supplements to it and in any interviews will be sufficient grounds for rejection of employment and my discharge after employment. I agree that except at the request and for the benefit of this company, I will not disclose to anyone or use for my own purposes any of this company’s confidential or proprietary information, either during or after my employment. I understand and agree that this company’s bidding, costs, pricing and marketing information and techniques, customer names and information and employee names and information are confidential and proprietary to this company.

Hill Station Real Estate Listing

Scenic and panoramic view of small hamlets, misty mountain range and lush green valley from this 2.8 Acres property... The Employment Application will be considered inactive after 90 days. If you wish to be considered after that time, you must complete a new Employment Application. We consider applicants for all positions without regard to race, color, religion, creed, gender, national origin, age, disability, marital or veteran status, sexual orientation or any other legally protected status.

Through this partnership we are able to serve you and exceed your expectations at every turn. Our insight and experience with the local rental market means that you will not find higher quality service anywhere else. As a full service real estate office, we are qualified in guiding you with buying, selling, renting a home, an apartment or commercial property. Our goal is to findthe real estate you want at a price you can afford or help you to sell your real estate at the right price. We believe in using our experience in finance, contracts, negotiating, and marketing to your best advantage.

hk independent house for sale in bettati coonoor

This site is designed to help you make the important decisions needed to purchase or sell real estate, homes, or property in Grand Junction, CO. Bookmark it for future reference and feel free to call or e-mail us for all of your real estate needs. We can sell you any property for sale in the Grand Junction area, regardless of who the listing agent is. Use this website to search all listed Homes and Properties for sale in the Grand Junction, CO area. The beautiful region of Sonoma and Marin Counties offers plenty to see and do. From Novato to Windsor & Sonoma, we offer rentals and property management services to provide our clients with a wonderful rental experience.

A photocopy of this signed authorization and waiver shall be valid as an original. I authorize investigation of all statements contained herein and the references listed above to give you and all information concerning my previous employment and any pertinent information they may have, personal or otherwise, and release all parties from all liability for any damage that may result from furnishing the same. We believe in forming a partnership with all of our clients, both property owners and tenants.

I authorize this company to contact all sources to very the information on this application. I understand that any falsification, misrepresentation or fraudulent information provided by me in connection with my application for employment is sufficient grounds for withdrawal of an employment offer or immediate discharge. Please fully and accurately complete the Application for Employment. This company will use the information given in the application to verify your previous employment and background. If you are a seller, we can help price and put your Grand Junction, CO home or property on the market for a quick sale.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position. Our membership in the Navica Multiple Listing Service gives you internet access to all properties for sale region wide, including Grand Junction, Mesa County and more... View our available rental properties and submit an application quickly and easily.

If it is a hill property,

In considering you for employment, and if you are employed, in considering you for subsequent promotion, assignment, reassignment, retention or discipline, Heather Hills may request and rely upon one or more consumer reports or investigative consumer reports about you that we obtain from a consumer reporting agency, such as IntelliCorp Records, Inc. I also agree that this Disclosure and Authorization in original, faxed, photocopied or electronic form will be valid for any consumer reports or investigative consumer reports that may be requested about me by or on behalf of the company. Under the FCRA, before the company can obtain a consumer report or investigative consumer report about you for employment purposes, we must have your written authorization. Before we take adverse action on the basis, in whole or in part, of information in that report, you will be provided a copy of that report, the name, address and telephone number of the consumer reporting agency along with a summary of your rights under the FCRA.

If you're looking for real estate, homes or property in the Grand Junction, CO, area, we can help you choose the right home or property for your needs and will guide you towards making an informed real estate decision in the Grand Junction market. We pride ourselves in being able to give all our clients important local information based on years of living and enjoying all the Grand Junction, CO area has to offer. This property in Coonoor is in the middle of tea garden with unhindered beautiful view of hill...

Hill Realty Advisory

If you'd like to find out the value of your Grand Junction, CO home or property, go to our "Your Home Value" page and submit a CMA request. From the free reports to information about the community and local schools, We would like to share with you invaluable information about buying and selling your home. If there is any way that we can assist you further, please contact us. Thank you for visiting our site, We hope to be hearing from you soon. I certify that all of the elements of the personal data I have provided are true, accurate and complete.

11 Great Gift Ideas for Personal Growth and Development

Table of Content

• Self Growth and Self Love Journal, Self Forgiveness, Self-Care Journal, Goddess Hardcover Journal Matte
• For the People Who Want to Find More Ways to Self-Reflect
• Recap on Gifts to Give People Who Love Personal Growth
• Personalized Gift, Beard Grooming Kit

10 crystals that bring positive energy work well individually but are at their best when together. As it says, it’s great for any beginner in crystal collection, but also a great addition to already existing such. The box comes with 5-7 individual products plus an affirmation card that enhances focus and motivation. Box often includes crystals, meditation, and teachings from spiritual teachers.

A Moleskin is essential for tracking progress on a to-do lists, taking notes, and safe-keeping ideas. The newest carry-on in the Away line, the Expandable Bigger Carry-On ($295) is the perfect suitcase for the frequent flyer. Another option in a more delicate style is the handcrafted Becoming necklace ($54), available in sterling silver or 14k gold. The Becoming Jewelry line offers phrases like “Be Brave” or “Choose Joy,” and each piece arrives paired with a literary quote to inspire you every time you wear it.

Self Growth and Self Love Journal, Self Forgiveness, Self-Care Journal, Goddess Hardcover Journal Matte

Physical health and strength are obviously one of our biggest priorities. We need our bodies healthy to serve us better and to work longer on our spiritual and mental growth. At least, this is how things are on my end. Today, you are about to choose such gift and I have a lot of suggestions for you. The recipient of your Gift Subscription will receive an email detailing your gift with instructions on how to get started. Free replays, tools and supportive global community to support your growth.

As a homeschool soccer mom to 5 boys, Amy loves to use all that she learned as a mental health therapist to positively make life + learning fun. Also, use these free printable growth mindset conversation cube and mindfulness activities to help your kids slow down and prepare for hearing and benefiting from the message of the movie. Movies can be powerful ways to teach growth mindset lessons to kids.

For the People Who Want to Find More Ways to Self-Reflect

Just pour on the rocks, or make a cocktail with sparkling water, tonic, or prosecco. The Van Gogh Sunflowers Mug is an artsy coffee cup crafted specially to add sunshine to your coworkers’ morning routines. Purple Vertigo Candles is a monthly candle subscription that sends your co-worker a carefully curated collection of seasonally scented candles to help them relax, de-stress and find their zen after work.

All of Dollar Tea Club’s teas are ethically sourced through direct trade and contain no artificial flavors. Currently there are over 30 blends sourced from five countries available, with new blends being added to the mix regularly. One AquaNotes pad ($7) includes 40 sheets of paper and each sheet is perforated for easy removal.

Recap on Gifts to Give People Who Love Personal Growth

Here, mental health pros share the most meaningful gifts you can give yourself this holiday season to set yourself up for a better year ahead. The Snacks + Coffee Box delivers stimulating coffee and comfort food for a sense of well-being and a major energy boost for that person on their special day. Whether if they are working down the hall or from home, they’ll love the thoughtful birthday gift showing up for them to unbox. The Holiday Bundle is the perfect icebreaker idea for keeping friends, families, coworkers, and employees entertained.

Her latest book, “The 5 Second Rule” is sure to appeal to the over-achiever on your holiday gift list. I first heard about the concept of growth mindset after having our second boy. Reading psychology and self-help books was a way to stay connected to my educational and professional life as a young mom.

Personalized Gift, Beard Grooming Kit

We usually place the Spirit at the end of the triad, yet the spirit is how it all begins. Spirit is everything around us and within us. It’s the beginning with no starting point, and it’s the ending with no ending point. And it’s not about religion or faith, it’s about the knowledge that lays within us all, and you feel it but are unable to express it with words.

Try asking the person what would help their journey…at whatever stage they’re at…then give them exactly what they need. Mindfulness and meditation have many benefits – they can help with anxiety, stress reduction, and increase happiness. Plus, being in the moment is just a good way to approach the day. Under “Add your personalization,” the text box will tell you what the seller needs to know. Fill out the requested information. Etsy is no longer supporting older versions of your web browser in order to ensure that user data remains secure.

Last-Minute Kitchen Gifts That Chefs Recommend

Blogger, dreamer, procrastinator, and lover of everything soul-touching. My mission is to make you laugh, provoke your thoughts, light up your day and inspire you to fall in love with life and yourself. Which one of these great gifts did you choose? Save post for later reference too. Personal development isn’t just humming in a dark room, but growth and improvement of all three – mind, body, and spirit. It’s a respectable long journey we all walk on, whether we are aware of it or not.

If you would like 20 or more subscriptions, please contact Customer Support at . The Moth offers up excellent storytelling in audio format. It aims to connect us as humans and foster mutual understanding – a worthy goal, worth supporting.

Great Growth Mindset Gift Ideas for Your Kids

Table of Content

• Modern Sprout Herb Kit
• Designing Your Life: How to Build a Well-Lived, Joyful Life
• Mental Personal Development
3D Growth Ruler
• Cinema Box
• Bonus: Haus Sampler Kit

This is not just a gift basket but a piece of art and includes hand-poured soap, natural seagrass gift basket, soy wax melt, and much more. This spa set will be one of your best choices. You can customize it according to your liking and impress someone with the simple act of care for them. His book on CBT simplifies the science behind our behavior, and if your friend or loved is into reading self-improvement books, this one would be the perfect addition to their library.

MasterClass offers precisely that – masterclasses in almost anything – business, arts, food, music, photography, writing, wellness, mindfulness, science & tech, and more. The teachers are people who have truly mastered their art and are well-known and respected all around the world. You might recognize the names of Gordon Ramsay , Hans Zimmer , Anna Wintour , RuPaul (teaches self-expression and authenticity), and more. There are three options for gifting a membership.

Modern Sprout Herb Kit

Life-changing app for journaling, habit tracking, goal setting, and personal growth challenges. We are all a work-in-progress, but some of us are more committed to “the work” than others. For the self improvement junkie on your holiday gift list we put together a lineup of resources they are sure to love. From top self improvement books to proven online classes, the gifts on this list are perfectly attuned to those who are eternally seeking a better way. You and your kids can, however, boost your growth mindset skills and living with fun and creative resources.

As a person who has read this book numerous times, I can assure you that even if your friend or loved read it, they will want a copy of their own. And don’t see this book just as a fluff. Dr. Morter binds together neurobiology and quantum physic in a special and unique way. He gives an easy-to-follow system that actually changes everything. Healthy living starts from inside out, and being on point with all vitamin intake is so fun if you do it the right way.

Designing Your Life: How to Build a Well-Lived, Joyful Life

10 crystals that bring positive energy work well individually but are at their best when together. As it says, it’s great for any beginner in crystal collection, but also a great addition to already existing such. The box comes with 5-7 individual products plus an affirmation card that enhances focus and motivation. Box often includes crystals, meditation, and teachings from spiritual teachers.

A subscription gift set filled with the big, bold culinary flavors of gourmet olive oil and zippy balsamic vinegar. Does one of your co-workers boast about their BBQ and squeal about their smoked briskets? Then a subscription to Grill Master’s Club will be the perfect way to say thank you, you’re appreciated or that you simply want an invite to their BBQ party. A subscription box filled with pots, plants, and tools that make it easy to become a house-plant master. This unique online coworker experience is the gift that will have them channel their inner detective to solve the mysterious murder of billionaire Neil Davidson before the clock expires.

Mental Personal Development

A customizable light box inspired by old-fashioned movie theater marquees. Coworkers can use it to display messages that match the day and their mood. The Tech Lovers Box is the ideal gift for helping your coworkers stay connected and insanely productive. The Holiday Cheer Box is a sentimental gift for adding extra joy to the workplace. A per-friendly gift box full of goodies for man’s best friend complete with a water bowl + water bottle combo, plush blanket, mini treats for dogs and cats, and a large pet bandana. The Cozy Night In makes a great gift for your hard-working coworkers who deserve a little pampering.

An excellent gift box to send to your coworkers working remotely as part of a larger health and wellness program. All they need is a pen and a few minutes daily to work on their mental health and personal growth. Therefore, supporting one’s mind and mental development is a crucial part of personal growth and self-improvement.

Timber Family Ruler

These experiences will be much more memorable than sending a coffee mug or branded pen. With that said, let’s get to the actual personal development gift guide for those who truly are on their path to self-improvement, and you wish to show support. There is a reason Mel Robbins can fill a convention center. Her motivational talks, theories and ideas have positively impacted people around the globe.

You’ll find some of our favorite movies with growth mindset themes below. I'm a coach, speaker, teacher, and multi-award-winning author with decades of study and practice in the personal growth and development space. I help women become the best version of themselves by teaching them to embrace personal growth and a positive lifestyle. They’re a meaningful gift that continues to grow and provide beauty for many years to come. Unlike other gifts that eventually expire, live plants only get better with time.

Paper Mache Figure, Collection Piece, Snow Woman, Winter Figure, Woman Gift, Personal Growth Figure, Original Crafts

Crafts are other fabulous ways to learn and practice growth mindset skills. Your kids will be practicing patience, perseverance, and creativity. Also, crafts really help you think outside the box and expand your imagination. I am a HUGE fan of Day Designer Planners! I would highly recommend this planner as a gift for your friends who love personal growth. If you’re the planner or the hostess with the mostess of the group, then treat your pals to a fun painting party.

You can never go wrong with a basic journal where you are free to write whatever you want! This set of basic pocket journals are fun, colorful, and can fit in your purse. Charleys franchisees dealt with higher materials and labor costs, supply chain delays, and staff shortages this year. The newly opened 100th Charleys restaurant is located in North Lauderdale, Florida at 7202 W. McNab, and is owned by Julie Vulcain, who already operates four other Charleys locations in the sunshine state.

Sometimes the best way to make a great cocktail is with flavors straight from your garden. Pink House Alchemy has the right idea with this lavender syrup, which makes it easy to elevate your Friday night. Unique flavors like strawberry and basil unite for uniquely-flavored pops — and then you can plant the stick to grow thyme, basil, marigold and five other seed types to fill your garden. Energy-efficient LED lights and pre-seeded plant pods make this indoor herb garden a no-brainer gift for the gardeners in your life.

Her latest book, “The 5 Second Rule” is sure to appeal to the over-achiever on your holiday gift list. I first heard about the concept of growth mindset after having our second boy. Reading psychology and self-help books was a way to stay connected to my educational and professional life as a young mom.

Physical health and strength are obviously one of our biggest priorities. We need our bodies healthy to serve us better and to work longer on our spiritual and mental growth. At least, this is how things are on my end. Today, you are about to choose such gift and I have a lot of suggestions for you. The recipient of your Gift Subscription will receive an email detailing your gift with instructions on how to get started. Free replays, tools and supportive global community to support your growth.

Mortgages & Home Loans

Table of Content

• Private Mortgage Insurance Or Piggyback Loans
• Personal Loans
• CONSTRUCTION LOANS
• Mutual Funds and Mutual Fund Investing - Fidelity Investments
• How to remove private mortgage insurance
• Fidelity Range Of Offerings
• Conforming Loan Or Nonconforming Loan
• Personal loans:

LendingTree’s online mortgage marketplace is one option you can choose to research a wide range of mortgage solutions. FlexibilityYou can have purchasing power to buy more securities, make a large purchase, or use as a bridge loan for short-term liquidity needs. Margin borrowing can be used to satisfy short-term liquidity needs similar to how you may use a home equity line of credit. Keep in mind that the interest rate for the piggyback second mortgage is typically much higher than the rate on the primary loan.

A jumbo loan is known as a nonconforming loan and comes with a slightly different set of requirements than a conforming loan. You may need a higher credit scorea FICO® Score of 700 or moreand a lower debt-to-equity ratio than a lender would require for a conforming loan. For example, you may be required to have a 20% down payment, compared to having the option of putting down as little as 5%, in some cases 3%, on a conventional, 30-year loan.

Private Mortgage Insurance Or Piggyback Loans

A conforming or conventional loan is a mortgage that meets certain government guidelinesnamely, the amount you can borrow. In most of the U.S., the 2021 maximum conforming loan limit for one-unit properties is $548,250. Find out the conforming loan limits for your area on the Federal Housing Finance Agency website.

When you get a home equity loan, the lender will pay you a lump sum that you will start repaying at a fixed interest rate per the terms of the loan. A 2016 Reuters investigation identified multiple cases where F-Prime Capital Partners was able to make investments at a fraction of the price of Fidelity Investments. Because of SEC regulations, investments by F-Prime Capital Partners preclude Fidelity from making the same early investments.

Personal Loans

Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results.

Home equity lines of credit offer the most flexible, convenient way to borrow money for whatever purpose, whenever you need it with a revolving credit line. Interest-only loans usually come with much higher interest rates compared with conforming loans. Another thing to beware of is that taking an interest-only loan could lure you into buying a home you can't really afford. Though the payments may be comfortably low at the beginning, it can come as a shock when it's time to begin repaying the principal plus interest. Put your home’s equity to work with a Home Equity Loan from Fidelity Bank.

CONSTRUCTION LOANS

Another way you may be able to cancel PMI is through price appreciation—if your home appreciates in value, the loan-to-value ratio decreases. There are many factors that go into determining your ideal type of mortgage loan. Use our mortgage comparison calculator to see how different loans stack up. Or, better yet, contact one of our mortgage loan officers to talk about options. After you purchase your home, your lender will open an escrow account that remains active for the life of your loan. A portion of your monthly mortgage payment is deposited into this account and held in reserve for your lender to pay property taxes and homeowners insurance payments for your home.

Just like other types of mortgages, there is typically a cap on the amount you can borrow, but it varies by area. A conforming or conventional loan is a mortgage that meets certain government guidelines—namely, the amount you can borrow. In most of the US, the 2021 maximum conforming loan limit for one-unit properties is $647,200. After you've evaluated your readiness to buy a home and weighed it against renting, the next step is deciding how much home you can afford. That can help you determine the best monthly housing budget for you. Once you have a general idea of how much you plan to borrow, it's time to visit a lender.

Mutual Funds and Mutual Fund Investing - Fidelity Investments

By clickingContinue, you will be taken to a website that is not affiliated with Fidelity Bank. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Fidelity Bank's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Fidelity Bank. Save money and eliminate guesswork with our mortgage prequalification service.

In the highest cost areas, the limit is more than twice that, $970,800. You may be able to get down payment assistance when borrowing under the loan limit. With our extensive home loan options and comprehensive mortgage lending knowledge, you’ll be home in no time.

To add margin, you’ll need to complete an online agreement and agree to the terms and conditions of using margin. This is only a brief introduction, and it should not be considered sufficient basis for a decision regarding the use of margin borrowing. Views expressed are as of the date indicated, based on the information available at that time, and may change based on market or other conditions. Unless otherwise noted, the opinions provided are those of the speaker or author and not necessarily those of Fidelity Investments or its affiliates. Fidelity does not assume any duty to update any of the information.

If you have a limited monthly housing budget for a short period of time but anticipate a much higher budget after that, an interest-only loan might be an option for you. With an interest-only loan, you pay only the interest on the loan for a specified number of years. After that, you are required to repay both principal and interest each month. One thing to beware of with an ARM is that after the fixed-rate period, you are subject to the vagaries of prevailing interest rates. If you are risk averse or you expect rates to rise, a fixed-rate loan might be a better choice.

Please be aware that this might heavily reduce the functionality and appearance of our site. Contact one of our Home Loan Specialists for all your new mortgage and mortgage refinancing needs. Corporate governance experts have stated that the practice is not illegal, but that it poses a clear corporate conflict of interest. Fidelity spokesmen have stated that they are following all laws and regulations. If you don't have a Fidelity account already, you can open and fund an account now. Clear & simpleOnce approved, you can begin using the funds right away.

In many cases, you might be better advised to simply pay with available funds, or if that is not possible, to not buy it—whatever it is—at all. Paying for mortgage insurance isn’t the only option if you lack a 20% down payment. Another solution would be to take a piggyback loan in order to bring your down payment to 20% of the purchase price. A piggyback loan is a second mortgage on your home taken at the same time as the first mortgage.

You can also decrease this ratio by making a larger down payment or searching for a more affordable house. Margin trading entails greater risk, including, but not limited to, risk of loss and incurrence of margin interest debt, and is not suitable for all investors. Please assess your financial circumstances and risk tolerance before trading on margin. If the market value of the securities in your margin account declines, you may be required to deposit more money or securities in order to maintain your line of credit. If you are unable to do so, Fidelity may be required to sell all or a portion of your pledged assets. Margin credit is extended by National Financial Services, Member NYSE, SIPC.

Unsecured personal loans offer reasonable rates and flexible terms. Our trusted advisors at Fidelity Bank can recommend a personal loan that is exactly what you need to meet your goals and help you choose payments and terms to fit your budget and lifestyle. Typically, personal loans come with lower interest rates than credit cards, so funding a big expense or project with a personal loan could save you thousands of dollars on interest payments. For borrowers with excellent credit, conforming loans are advantageous due to the low interest rates affixed to them. Our experienced mortgage lending professionals and in-house process provides a quick, hassle-free experience from application to closing. The loan-to-value ratio measures how much you're borrowing for a home compared to its appraised value, and a low LTV ratio can help you qualify for a lower interest rate.

Does a Home Equity Loan Affect Private Mortgage Insurance?

Table of Content

• Best Short Term Crypto Investments
• Home loans don’t have to be complicated.
• A Fidelity Bank Home Equity Loan can help you:

Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results.

As a result, banks across the country are closing branches, citing high operating costs and the decline in customer traffic. In order to short sell at Fidelity, you must have a margin account. Short selling and margin trading entail greater risk, including, but not limited to, risk of unlimited losses and incurrence of margin interest debt, and are not suitable for all investors. Please assess your financial circumstances and risk tolerance before short selling or trading on margin.

Best Short Term Crypto Investments

The range for typical 30-year FHA loans is from 0.8% to 1.05% annually. Once you close on your home, the earnest money is released back to the buyer, and it can be applied to your down payment or mortgage closing costs. Our streamlined process has been refined over years, and we stand ready to guide you from application to closing. When your outstanding loan balance drops to 80% of your home purchase price, or current market price, you can request that the insurance be canceled. The lender should automatically cancel PMI when the balance of your loan drops to 78% of the loan amount, as required by the Homeowners Protection Act.

Options trading entails significant risk and is not appropriate for all investors. Before trading options, please read Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request. The value of your investment will fluctuate over time, and you may gain or lose money.

Home loans don’t have to be complicated.

A conforming or conventional loan is a mortgage that meets certain government guidelinesnamely, the amount you can borrow. In most of the U.S., the 2021 maximum conforming loan limit for one-unit properties is $548,250. Find out the conforming loan limits for your area on the Federal Housing Finance Agency website.

By clickingContinue, you will be taken to a website that is not affiliated with Fidelity Bank. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Fidelity Bank's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Fidelity Bank. Save money and eliminate guesswork with our mortgage prequalification service.

A Fidelity Bank Home Equity Loan can help you:

Financial planners offer advice and guidance covering the complete personal financial spectrum, including saving and investing, insurance, retirement and estate planning and taxation. Constructing a financial plan that will help achieve your goals takes time, interest and knowledge. Most investors find it helpful to work with a professional financial advisor who has the experience and resources to provide expert guidance in developing and maintaining a financial plan. LendingTree® has a special online experience for Fidelity users that will help you shop and compare highly competitive rates and get personalized offers in minutes. Indeed, it’s hard to remember when it was necessary to visit a branch to perform a simple transaction like a funds transfer. Now most transactions, including check deposits, can be completed with the tap of a finger or the click of a mouse.

If you have a limited monthly housing budget for a short period of time but anticipate a much higher budget after that, an interest-only loan might be an option for you. With an interest-only loan, you pay only the interest on the loan for a specified number of years. After that, you are required to repay both principal and interest each month. One thing to beware of with an ARM is that after the fixed-rate period, you are subject to the vagaries of prevailing interest rates. If you are risk averse or you expect rates to rise, a fixed-rate loan might be a better choice.

Fidelity Range Of Offerings

To add margin, you’ll need to complete an online agreement and agree to the terms and conditions of using margin. This is only a brief introduction, and it should not be considered sufficient basis for a decision regarding the use of margin borrowing. Views expressed are as of the date indicated, based on the information available at that time, and may change based on market or other conditions. Unless otherwise noted, the opinions provided are those of the speaker or author and not necessarily those of Fidelity Investments or its affiliates. Fidelity does not assume any duty to update any of the information.

Another way you may be able to cancel PMI is through price appreciationif your home appreciates in value, the loan-to-value ratio decreases. Check with your lender to see whether they allow PMI to be canceled due to rising market values. Fidelity Bank has a 6 out of 5 rating, proving that it is a bank with better alternatives than others. Customers of Fidelity Bank can choose from a wide range of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgages, and credit cards.

Personal Loans

You can also decrease this ratio by making a larger down payment or searching for a more affordable house. Margin trading entails greater risk, including, but not limited to, risk of loss and incurrence of margin interest debt, and is not suitable for all investors. Please assess your financial circumstances and risk tolerance before trading on margin. If the market value of the securities in your margin account declines, you may be required to deposit more money or securities in order to maintain your line of credit. If you are unable to do so, Fidelity may be required to sell all or a portion of your pledged assets. Margin credit is extended by National Financial Services, Member NYSE, SIPC.

There's typically a cap on the amount the loan can adjust per year and how high it can go over the life of the loan. With an FHA loan, you'll have to pay a 1.75% up-front mortgage insurance premium and an annual mortgage insurance premium for the life of the loan. The amount of the premium is based on the loan term and amount borrowed.

Conforming loan or nonconforming loan

Putting down at least 20% of the loan amount is idealbut if you can’t come up with 20%, it’s not a deal breaker. You can still get a loan, but you will likely need to pay for private mortgage insurance , which can be costly over time. With a fixed-rate mortgage, the interest rate on your loan remains the same for the life of the loan. Putting down at least 20% of the loan amount is ideal—but if you can't come up with 20%, it's not a deal breaker. Enjoy a smaller down payment and more flexible requirements with a fixed or adjustable rate FHA mortgage loan.

International trading is a differentiator for Fidelity the firm provides access to 25 global markets. Another type of nonconforming loan is a Federal Housing Authority loan. These loans have slightly relaxed requirements compared with conforming loans and jumbo loans.

CVS Remote Customer Service Consultant Work from Home Entry Level

Table of Content

• Explore CVS Work From Home Salaries
• CVS Health CVS Work From Home Hourly Pay
• Learn more about a CVS Work From Home Career
• How to Get a Job at CVS Health
• Learn more about a Remote Customer Service Representative Career

It is a requirement that an ethernet cord is used while working from home. Wifi does not always provide a reliable connection. Creates an emotional connection with our members by understanding and engaging the member to the fullest to champion for our members' best health. Documents and tracks contacts with members, providers and plan sponsors. Customer Service research claims pricing guidelines, apply pricing to first time claims and re eval claims.

Customer inquiries are of basic and at times complex nature. Engages, consults and educates members based upon the member’s unique needs, preferences and understanding of Aetna plans, tools and resources to help guide the members along a clear path to care. Customer Service is the important first-line of contact with customers, setting the tone for how members, doctors and plan sponsor groups view our company.

Explore CVS Work From Home Salaries

We will never ask you to join a Google Hangout, request you to purchase your own equipment, or pay to apply, and you will never receive an email from a third-party email service such as Yahoo or Gmail. If you are selected for a job at CVS Health, the offer email will come from an email “trm.brassring.com” address. Provides the customer with related information to answer the unasked questions, e.g. additional plan details, benefit plan details, member self-service tools, etc. The CSR guides the member through their members plan of benefits, Aetna policy and procedures as well as having knowledge of resources to comply with any regulatory guidelines. Answers questions and resolves issues based on phone calls from members, providers, and plan sponsors.

This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. Additional pay could include bonus, stock, commission, profit sharing or tips. The "Most Likely Range" represents values that exist within the 25th and 75th percentile of all pay data available for this role. The estimated total pay for a Remote Customer Service Representative at CVS Health is $19 per hour. Customer Service Representative is the face of Aetna and impacts members' service experience by manner of how customer service inquiries and problems via telephone, internet or written correspondence are handled.

CVS Health CVS Work From Home Hourly Pay

Many positions are currently remote due to the COVID 19 pandemic and will be under evaluation moving forward for a return to on-site operations. Needs to review the security of your connection before proceeding. A workplace that supports diversity, inclusion and belonging. To verify your email address and activate your job alert. As a Call Center Customer Service Collector, you are the first point of Contact for our customers. Benefits include health, dental, vision, life, tuition reimbursement, 401 and more.

CVS Health is the leading health solutions company that delivers care in ways no one else can. We help people navigate the health care system — and their personal health care — by improving access, lowering costs and being a trusted partner for every meaningful moment of health. Are you interested in a flexible work schedule and live in the state of Tennessee?

Learn more about a CVS Work From Home Career

CVS Health is an affirmative action employer, and is an equal opportunity employer, as are the physician-owned businesses for which CVS Health provides management services. We strive to promote and sustain a culture of diversity, inclusion and belonging every day. We proudly support and encourage people with military experience as well as military spouses to apply for CVS Health job opportunities. We are an equal opportunity and affirmative action employer. The estimated total pay for a CVS Work From Home at CVS Health is $18 per hour.

Online reviews also mention that a computer is provided. However, we haven’t confirmed this with the company. You have already created a job alert with same filters.

Current Job Openings for a CVS Work From Home at CVS Health

Thousands have found jobs and gigs at Rat Race Rebellion, changing their lives and ditching their commutes. Customer Service experiences in a transaction based environment such as a call center or retail location, demonstrating ability to be empathetic and compassionate. Uses customer service threshold framework to make financial decisions to resolve member issues. The 2nd Shift CSR works in the Afterhours Centralized Call Center and supports multiple Aetna Medicaid state health plans across the country. Joining our talent community allows us to send you company news, industry updates, and new job opportunities.

You will receive 4 weeks of paid training, designed to maximize your potential from the start of your employment. At CVS Health, we have a variety of opportunities in several career areas for you to choose from. If you have questions about our application process or want to validate recruiter contact, please visit our frequently asked questions page. You must meet WFH criteria including maintaining your own internet with approved speed requirements, secure workspace free from distractions, and a virtual office inspection. Adherence to HIPAA and governmental compliance are required in this role. Please let them know you found this position on EffizoJobs as a way to support us so we can keep providing you with verified remote jobs.

How to Get a Job at CVS Health

Days off and hours may vary, though you will have a set schedule. ” Since 1999, we've been leading the work-from-home revolution. Our founders designed the first virtual careers training programs for the US State Department and the Armed Forces.

You can deactivate or delete job alerts by clicking the button below. You have reached your maximum number of active job alerts. Educates providers on our self-service options; Assists providers with credentialing and re-credentialing issues. Referrals are one of the best ways to get your foot in the door. It’s important to know who in your network can help you find your next job, and LinkedIn is a good place to start. With more than 295,000 colleagues, you will likely know someone!

Learn more about a Remote Customer Service Representative Career

Strong computer, data entry, and typing skills; ability to work between multiple technology platforms; able to learn and utilize new technology as service evolves, able to use multiple monitors. This is a work at home opportunity for candidates located in EST TIME ZONES and the working schedule will be in the EST time zone. Browse below for a list of our current remote opportunities. This is the employer's chance to tell you why you should work for them. The information provided is from their perspective.

This position is based in Phoenix, AZ or Houston, TX and the ability to telework full time is required. Growing your career as a Full Time Customer Service Representative - Work From Home TX and AZ is an awesome opportunity to develop useful skills. Every day, CVS Health heroes across the country bring their hearts to work to help people on their path to better health. They share a smile, an assuring voice, a helping hand. Read their stories, watch their videos, and celebrate our amazing heroes along with us. Update – It looks like the company has received all the applications it needed and has deleted the listing.

CVS Health Jobs- Career Opportunities Home Page

Table of Content

• Save job
• $20/Hr., Plus Incentives, Benefits – Work from Home Call Center Customer Service Collector
• CVS Health Careers
• Job Seekers Also ViewedPreviousNext
• Current Job Openings for a Remote Customer Service Representative at CVS Health
• Popular Careers with CVS Health Job Seekers
• Explore CVS Work From Home Salaries

Many positions are currently remote due to the COVID 19 pandemic and will be under evaluation moving forward for a return to on-site operations. Needs to review the security of your connection before proceeding. A workplace that supports diversity, inclusion and belonging. To verify your email address and activate your job alert. As a Call Center Customer Service Collector, you are the first point of Contact for our customers. Benefits include health, dental, vision, life, tuition reimbursement, 401 and more.

It is a requirement that an ethernet cord is used while working from home. Wifi does not always provide a reliable connection. Creates an emotional connection with our members by understanding and engaging the member to the fullest to champion for our members' best health. Documents and tracks contacts with members, providers and plan sponsors. Customer Service research claims pricing guidelines, apply pricing to first time claims and re eval claims.

Save job

CVS Health is the leading health solutions company that delivers care in ways no one else can. We help people navigate the health care system — and their personal health care — by improving access, lowering costs and being a trusted partner for every meaningful moment of health. Are you interested in a flexible work schedule and live in the state of Tennessee?

Days off and hours may vary, though you will have a set schedule. ” Since 1999, we've been leading the work-from-home revolution. Our founders designed the first virtual careers training programs for the US State Department and the Armed Forces.

$20/Hr., Plus Incentives, Benefits – Work from Home Call Center Customer Service Collector

Strong computer, data entry, and typing skills; ability to work between multiple technology platforms; able to learn and utilize new technology as service evolves, able to use multiple monitors. This is a work at home opportunity for candidates located in EST TIME ZONES and the working schedule will be in the EST time zone. Browse below for a list of our current remote opportunities. This is the employer's chance to tell you why you should work for them. The information provided is from their perspective.

Online reviews also mention that a computer is provided. However, we haven’t confirmed this with the company. You have already created a job alert with same filters.

CVS Health Careers

Please keep in mind that this range represents the pay range for all positions in the job grade within which this position falls. The actual salary offer will take into account a wide range of factors, including location. “We’re seeking individuals who are personable and naturally friendly, detail-oriented, goal driven, and excellent communicators. You will work in a fast-paced environment and utilize your exceptional customer service and negotiation skills.

It provides members with the right information at the right time to help them make better decisions about their health and health care. Handles customer service inquiries and problems via telephone, internet, web-chat or written correspondence. Utilizes resources to assist customers in understanding components of the Aetna products including claims, accumulators, usage and balances, and cost sharing.

Equally, there are times where call volumes fall, and we may ask colleagues to reduce scheduled hours. Any requested increase or decrease to hours will be communicated with advance notice to a colleague and without impact to benefit eligibility. At CVS Health, we always seek to keep the colleague at the heart of what we do when meeting business demands. Schedule options are designed to create a flexible work schedule for those balancing priorities in and outside of work. We are currently offering full time schedules ranging from hours per week.

An opportunity where you can balance priorities in and outside of work while being committed to delivering heart driven service to our millions of plan members? If so, consider this role at CVS Health, a Fortune 4 company. We are currently hiring Customer Care support teams for the Pharmacy Benefit Manager division of CVS Health. You are required to have received at least one COVID-19 shot prior to your first day of employment and to provide proof of your vaccination status or apply for a reasonable accommodation within the first 10 days of your employment. Please note that in some states and roles, you may be required to provide proof of full vaccination or an approved reasonable accommodation before you can begin to actively work.

Job Seekers Also ViewedPreviousNext

Health Concierge is the face of Aetna to provide targeted, personalized service based on a holistic view of the member, benefits, health information, and through engagement. As we staff our business in a strategic and dynamic way, it may require us to adjust scheduled working hours to meet the variability of call volume. There may be periods of peak volume where we ask for an increase in your standard hours worked through overtime.

CVS Health is an affirmative action employer, and is an equal opportunity employer, as are the physician-owned businesses for which CVS Health provides management services. We strive to promote and sustain a culture of diversity, inclusion and belonging every day. We proudly support and encourage people with military experience as well as military spouses to apply for CVS Health job opportunities. We are an equal opportunity and affirmative action employer. The estimated total pay for a CVS Work From Home at CVS Health is $18 per hour.

This position is based in Phoenix, AZ or Houston, TX and the ability to telework full time is required. Growing your career as a Full Time Customer Service Representative - Work From Home TX and AZ is an awesome opportunity to develop useful skills. Every day, CVS Health heroes across the country bring their hearts to work to help people on their path to better health. They share a smile, an assuring voice, a helping hand. Read their stories, watch their videos, and celebrate our amazing heroes along with us. Update – It looks like the company has received all the applications it needed and has deleted the listing.

50 Best Harry Potter Gifts for the Ultimate Fan 2022

Table of Content

• Hasbro Gaming Clue: Wizarding World Harry Potter Edition, $39
• Harry Potter Gryffindor House Banner Wall Decor
• Harry Potter Clue Board Game
• Harry Potter Platform 9 3/4 Magnet Board
• Quidditch Trunk with Accessories Set

It would also be a great place to just jot down some notes. It comes with a ribbon page marker so you do not lose your place. Rebuild the iconic duel from The Chamber of Secrets with this Aragog's Lair LEGO set, including a buildable Aragog spider and a tree with spiderweb shooting function.

Remember when Harry got his first top-of-the-line racing broom? This replica will bring back good ‘ol memories of young Harry Potter, featuring stylized sounds tailored to this particular piece. This 3.75 inches tall Funko POP vinyl figure features one of the most misunderstood Harry Potter characters we’ve come to love - Severus Snape. Personalize your laptop, phone, or walls with these Harry Potter-themed vinyl decals. It comes complete with familiar iconic symbols, including the Hogwarts Crest, House mascots, and Platform 9 ¾. It’s time to craft your own potions in this Harry Potter-themed cauldron teapot and cup set!

Hasbro Gaming Clue: Wizarding World Harry Potter Edition, $39

AnyHarry Potter fan will love whipping up some potions of their own. Of course, Hogwarts staples like pumpkin juice and lemon drops are included. This fun strategy game comes with collectible figures of Harry, Hermione, Bellatrix Lestrange, and Lord Voldemort. We have sent an email to the address you provided with an activation link.

From kitchenware to Hogwarts' best sweet treats or pricey collectibles and everyday accessories, these items will thrill all your favorite Potterheads no matter their age or Hogwarts house. Step aboard the iconic Harry Potter Hogwarts Express Train! This LEGO building set features the railway bridge from King’s Cross Station along with the steps that lead to Platform 9 ¾.

Harry Potter Gryffindor House Banner Wall Decor

Some of the recipes include talonless beef casserole, an owl-mail Christmas cake, and a polypotion cocktail. No more chasing the Quidditch Golden Snitch with this bracelet replica. Made with durable metal, this beautiful Harry Potter bracelet is one thoughtful gift for any Potterhead you know .

Collectors, you have to add this new release to your collection. Throw this knit on your bed for a little House pride or use it as a wall tapestry to turn any space into a Hogwarts common room. Jot down magic spells – or, you know, your bio homework – in this luxury notebook. Test a fan's true knowledge with this Harry Potter version of Trivial Pursuit. Pottery Barn Teen's massive Harry Potter collection is packed with a ton of epic dorm decor, including this velvet jewelry box. It does not do to dwell on dreams and forget to live, but you can dwell on your own beautiful reflection in this replica Mirror of Erised.

Harry Potter Clue Board Game

Featuring the iconic Fawkes from Harry Potter, this ornately detailed Phoenix Vanity Mirror brings magical style to your get-ready routine. This one-sided mirror can swing up and down so you can check out your look from any angle. This Hogwarts Express clock will help you get wherever you’re going on time. Inspired by the iconic train, it’s beautifully embellished with intricate lettering and golden finishes.

We have to say, this is probably one of the best gifts to give this season. Every Potterhead needs to have Butterbeer at least once in their life. Once they have the packet, they just need to add some milk, cream soda and liquor if they want, to create the iconic drink.

Choose from one of these 17-inch Plush Stuffed Pillow Buddies, including Harry Potter, Ron, Hermione or Professor Snape. Each plush in the Harry Potter Plush Stuffed Pillow Buddy collection sells for $16.99. This cute little notebook has Quidditch pictures and terms written all over it! The cover will inspire any writer who loves Harry Potter to write about a fantastic Quidditch match.

Plus, the little golden globe will make it so much easier to find your keys at the bottom of your purse. These unique coasters are made with real book pages, so they make for a great conversation starter the next time you have people over. They're sealed off so you don't have to worry about condensation or spilled drinks ruining the coasters. Gift them this funny but cute pillowcase insert that will bring on all the smiles. This keepsake ornament from Hallmark is a subtle way to add magic to their Christmas tree.

We have conjured up a list of 25 magical Harry Potter gifts that will leave your kids — or maybe even adults who are kids at heart — spellbound. With the signature lightning bolt and round-rimmed black glasses, these awesome party bags look like Harry! Made from a sturdy kraft paper, they are perfect for giving any fun gift. These test tube treats are awesome Harry Potter gifts for any fans of all ages!

Help the Potterhead in your life wind down after a long day with this creative Harry Potter coloring book meant specifically for adults and decreasing stress and anxiety. Protect your head in the winter and perhaps cover your lightning scar. This collection from Love Your Melon is also a great gift for those who love to give back, with 50% off net profit from all products given to support cancer charities and foundations. We know Harry didn’t have a phone or a laptop to do his schoolwork, but if he did, they would all look magical, no? Decorate your technology accordingly with phone cases in all the house colors, iPad and Macbook sleeves with the Hogwarts insignia and more.

50 Best Harry Potter Gift Ideas in 2022 Magical Gift Ideas for Potterheads

Table of Content

• ~Magical~ Harry Potter Gifts That Will Awaken Their Inner Potterhead
• Harry Potter Lexicon-GO! Word Game
• A gold watch decorated with the house crests
• I'd Rather Be A Wizard Tote Bag
• Harry Potter Funko POP Vinyl Figure: Voldemort
• Harry Potter Wizard Chess Set
• A Harry Potter journal/planner to jot down the magical and mundane to-dos

Cozy HP blankets, clocks disguised as golden snitches, oversized graphic hoodies, and unique charm bracelets will have your friends and fam rating your gift-giving skills a 9 ¾ out of 10. The holidays are almost here, which means it's time to put on your sorting hat and award house points — err, presents — to your favorite Gryffindors, Slytherins, Ravenclaws, and Hufflepuffs. Whether the loved one on your list is a lifelong Potterhead or Hogwart's newest student, they'll surely appreciate receiving Harry Potter gifts and merch this season. While waiting for your Hogwarts letter, indulge in these unique finds and magical objects from the Hogwarts house. The artist puts the tea into vials to look like they are coming straight out of Professor Snape’s potions class.

This Harry Potter mystery box will keep any fan giddy with excitement. The box itself is themed, too, making it ideal as a storage or display. Take home your own soft toy version of Crookshanks, the perfect addition to any magical menagerie. First seen in Harry Potter and the Prisoner of Azkaban, this replica of Hermione Granger’s loyal companion is crafted in a walking pose to capture the likeness of the feline creature.

~Magical~ Harry Potter Gifts That Will Awaken Their Inner Potterhead

Explore the trunk station for Personalized Hogwarts Gift Trunks, the ultimate Harry Potter experience! There’s something special for every fan inside these exclusive treasures. Fans of the boy wizard and his friends can deck out their computers, skateboards, bike helmets or anything they’d like with this collection of waterproof stickers.

Press the button on the side to increase or decrease light intensity. Inspired by The Wizarding World, this Hogwarts sculpted bookend adds a dose of magic to your book storage. I love watching a new generation come to love the books as much as I do. I can’t wait until I can read them with Jack when he’s a little bit older, because I know he will love them as much as Forrest and I do. They will love representing their favorite Hogwarts™ house with a Harry Potter™ school shirt.

Harry Potter Lexicon-GO! Word Game

A visit to the fantastical world of Harry Potter brings with it a magic that’s all it’s own. That’s why the students at Hogwarts School of Witchcraft and Wizardry treasure each trip they make to that special village aboard the Hogwarts Express. Now, you can experience the magic of the only all-wizard village in Britain with this Harry Potter Village Collection. Legions of fans dream of the unique opportunity to pass through PLATFORM 9-3/4™ and experience a magical journey aboard the Hogwarts Express. But you don’t have to travel to London’s King Cross Station to catch it – now it comes to you with a Harry Potter Hogwarts train collection.

You definitely need a way to deliver all of these cool presents that you have found! This large gift bag, by Hallmark, with its Hogwarts crest is exactly what you need. At thirteen inches tall and about ten inches wide, it will hold most items with ease.

A gold watch decorated with the house crests

It's the perfect gift for someone who would love to see their beloved universe interpreted in a new way in full color. These beanbags are the perfect place to watch your favorite movies and read your favorite books from the Harry Potter series. Spellbinding and easy to carry from place to place, it’s a magical addition to any room. This would be a great gift idea for Harry Potter fans of any age! What a treasure it would be to carry around photos of loved ones in a stylish Harry Potter themed necklace! This necklace is a perfect gift for anyone juggling a bunch of responsibilities.

Includes 32 chess pieces, a playing board, and two drawstring pouches. Enchant your walls with this Maledictus decor from the Fantastic Beasts series. This captivating mirror features twin snakes wrapped around its frame, adding an edgy look to your walls. The beautiful authentic prop replica was a creation of Helga Hufflepuff, the celebrated Founder of the Hufflepuff House. It was described as a shining golden cup with two finely wrought handles on either side and a badger engraved on its surface. Voldemort eventually seized the cup and transfomed it into one of his Horcruxes.

Harry Potter Cauldron Soup Mug With Spoon

Some of the recipes include talonless beef casserole, an owl-mail Christmas cake, and a polypotion cocktail. No more chasing the Quidditch Golden Snitch with this bracelet replica. Made with durable metal, this beautiful Harry Potter bracelet is one thoughtful gift for any Potterhead you know .

This personalized acceptance letter for the School of Witchcraft and Wizardry is handwritten in brush calligraphy on 8.5 x 11 vintage-style parchment paper. The acceptance letter is personalized with the name of your choice and includes a handcrafted wax-sealed envelope. Spend each year with your favorite characters at Hogwarts! Now, you can mark each month with the magic of Harry Potter with this Perpetual Calendar Collection. No matter what kind of magic potion you like to sip — whether it’s soup or a tasty beverage — this Harry Potter cauldron mug and matching stirring spoon is the most wizardly way to do so. Boasting your house’s emblem, lounge in style with these House Velvet Robes.

I'd Rather Be A Wizard Tote Bag

But not even Harry's phoenix feather core can offer up a flawless blend like these compact bristles. We're a little emotional thinking about this line from Harry Potter and the Deathly Hallows. It's a beautiful way to celebrate a couple who is getting married because you can also add a date to the flutes.

It's also worth noting that the cotton crewneck is unisex, so it's an awesome option for virtually anyone on your list. Bring some magic to your bathroom with this Harry Potter “Thiswayto theMinistry of Magic” decal for either you wall or toilet seat. Decorate your desk and add a pop of color to your study space with these Harry Potter desk mats. Celebrate the beloved Hogwarts School of Witchcraft and Wizardry with the Harry Potter Hogwarts Wall Clock, a design exclusive available only from The Bradford Exchange. Magically tell time with this gorgeous clock shaped out of the iconic Golden Snitch.

The good news is, "Harry Potter" gifts are plentiful in 2022, with every brand fighting for a chance to collaborate with the franchise. But then there's so much memorabilia, it's hard to narrow down which items to gift now . Perfect for coffee lovers, this high-quality stainless steel spoon is engraved with the magical spell “Accio Coffee Spoon”.

Yes, it's a splurge, but if you know a Harry Potter fan who also loves to cook, this is the ultimate gift. The gameplay stays the same, but the traditional suits are Hogwarts houses, and the chips look like something straight out of Gringots. Your reader will never lose his place with these Harry Potter bookmarks.

This piece is officially authorized through Warner Brothers. This is a truly unique Harry Potter present that will be a hit with any fan! The dream catcher is made on a black frame with white string, which really makes the golden snitch in the middle pop! There are cute little beads surrounding the golden snitch, bringing the attention right to it. There are also beaded strings with feather adorning the bottom.