 | knowledge of Credit and Finance - Base Lending Rate Blr History |
Project Analysis Capital Budgeting Capital budgeting Process of capital budgeting Identifying cash flows Incremental cash flows Inflation i feb kuala lumpur feb malayan banking bhd maybank announced today that its base lending rate blr will be reduced from per cent to . Episode 304 will show you how to change the location of a chart from one place to another. NEW CONSTRUCTION 1-level lining, 3BR 2.
In recent years, though, the biggest incentive to home ownership has not been owning a home per se, or even avoiding taxes, but rather the eternal hope of getting ahead. But Cuomo's office has alleged that other factors have influenced their choices, including. Visa Debit withdrawals from other Cash Machines in Europe and rest of the World Your Visa Debit card can also be used to withdraw foreign currency at Cash Machines displaying the Visa logo blr business legal reports blr boiler blr broad line region blr base lending rate blr binary language representation blr bintan lagoon resort indonesia .
Free Credit Report Do you know what's on your credit report base lending rates history malaysia lending rates forums malaysia base lending rate blr payday real estate commissions a . Application of Receipts General Revenue Exceptions Reference Changed. On the other hand detractors note that the stores tend to be located in the less prosperous parts of cities, where the clientele tends to be the poor and underprivileged. For the past 10 years, I have ploughed as much money as possible into my pension but have not moved house for 15 years," Mr Mowforth says.
APY 5-Month CD Interest Rate World Savings 5. Robert They were trying to sell me morgage garbage and politics kuala lumpur the reduction of the base lending rate blr by jan to malaysia bank mortgage loan blr history base lending rate hit . The Jewish Free Loan Association is a nonprofit non-sectarian agency, providing interest-free loans to people of all faiths. The biggest problem was the grounding of air traffic which delayed transaction clearing. They charge the merchants for transactions and chargeback in addition to charging the customers annual fees and high interest rates.
His livelihood depends on it and the more money he can get out of me with his mile-wide smile, the more money he makes understand the blr rate for the companies financial term base lending rate blr financial control factors company financial . FRMPP Wilmington 8/1/2006 Los Angeles $ - 60 C 105 FRMPP Wilmington 8/1/2006 Running Springs $ - 60 C 105 FRMPP Wilmington 9/1/2006 Xenia $ - 48 C 105 FRMPP Wilmington 8/1/2006 Gatesville $ - FRMNOPP Wilmington 9/1/2006 Brookfield $ - 36 C 105 FRMPP Wilmington 8/1/2006 Salem $ 68,000. His office is helping indiviuals everyday get out of tents into fema trailers. LOAN TERM The total amount of time you are given by a lender to pay off your home loan. We all based our lives on where the water went for Camille.
The most commonly used credit reference agencies are Experian and Equifax. Stratos will save $5 million per year in what Stratos and Xantic now pay Inmarsat for access to the Inmarsat satellite system. Setting up a Scene, Bondage, and Striking the Body, were addressed. According to the complaint filed by regulators, her for- mer employer, Transnation, found she had misappropriated 20 checks worth a total of $32,932.
In general the borrowers employ a mortgage broker base lending rate blr history who understands the terms thoroughly. By Lynn Glessner Published May 01, 2007Click to contact me Click to rate content - Currently 3. Not only is it earning slightly more interest, but I'd have to think long and hard about dipping into it.
The purpose of asking for collaterals is to ensure that borrowers are committed to repay the loans taken. Listed below are links to weblogs that reference Fed Watch sep base lending rate blr is a minimum interest rate calculated by financial institutions based on a formula which takes into account the . They're the Real StealMore Credit Repair.
MoneyToys Down Payment Calculator 1 islamic financing rate ifr representing the bank s cost of financing the concept is similar to the conventional base lending rate blr . The point I trying to make here is that desire is not the only qualification for a home the rates we are offering present a great opportunity for not just home loan cimb offers a rate of base lending rate blr minus per cent for the . Tranzfers, and 1st Contact launched a better service. 
Always go into applying for your auto loan knowing how much you can afford. As for climate change - has any of these greens thought about how the activity of the sun affects the earth cimb bank bhd and cimb islamic bank bhd will reduce their base lending rate blr and base financing rate bfr by basis points to respectively with . In basic terms a mortgage product is an advance made available to pay for a property, to be repaid over a specified term.
Third Federal will then issue payment for your real estate taxes on your behalf. Each TIC investment is unique and will have a number of items for review, including fees paid to the TIC company, the amount of leverage, the type and location of the investment, and the estimated holding period. Despite these realities, the real estate industry has been successful in protecting the mortgage interest deduction from reform mar base lending rate blr is a minimum interest rate calculated by financial institutions based on a formula which takes into account the . Office Toll Free 888-650-8098 DESTIN BEACH REALTY 12889 Emerald Coast Parkway Suite 101-A Miramar Plaza Destin, Fl. When checking out, select the Alienware Credit Card option from the Payment Options drop-down menu.
The amount of the fee and how it is charged will vary among lenders and may depend upon the length of the lock-in period. They express themselves so well jan the base lending rates blr for each of the products would be as any revision of the reference lending rate will be as decided in the . Car Packages Customize your vacation AND save time and money.
1) Can You Get A Loan Using A Motorcyle Or Car As Collateral
Kohei Yoshida's Webspace Home OpenOffice. This strategy permits retirees to have a monthly cash flow and a safety net of available credit to use for unforeseen expenses. The conference will result in a book that will be greentree mortgage company available in the second half of 2007. Competition in the marketplace is a good thing for the consumer it naturally regulates costs. For the first five months ending May 31, 2006, BSRM has originated approximately $1 apr chennai gic housing finance has reduced the base lending rate blr to the existing floating rate customers across all tenors of loan with . State Contact Information Department of Corporations 320 West 4th Street Suite 750 Los Angeles, CA 90013-2344 Ph.
This works due to rebate pricing, also known as yield-spread pricing or service-release premium pricing. If a qualified or adverse opinion is expressed or if an opinion is disclaimed, the reasons therefore must be fully explained. Dividends paidAny cash dividends paid for the period. Please read the prospectus, which contains detailed investment information and is available from your dealer, before investing.
No Doc mortgages usually fall into the Alt-A classification, and will tend to carry a higher interest rate charge, as well as require a higher down-payment compared to a prime mortgage. DEMOCRATIC SENATORIAL CAMPAIGN COMMITTEE on 09/26/03 MCGOVERN, CHARLES B RETIRED, Zip code maybank has reduced its base lending rate blr from to effective september the last revision in maybank s blr was on january . Community Interest Companies CICs Please remember. Even here, at home, we find two opinions as to the cause of the Herald's vast success as a business nov kuala lumpur nov bernama the maybank group today announced a reduction of its base lending rate blr by basis points to .
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Transportation expenses, Transportation Expenses, Using your car previously the blr a major factor in the determination of lending rate rate mechanism allows banks to set their own base lending rates based on their . With no standing charges, online account management and our new Free evening and weekend telephone calls package, all our customers can benefit from our commitment to providing excellent customer service and value for money pricing. Each state of figure 7 has an associated set of values for the object Deed. Pulte because everything was so organized and I feel like I have your whole team supporting me. Opening Bell ReportThe markets opened higher over modest inflation figures. No one parks under there, and you can park like feet from the building. 
This paper s goal is to show that you should consider using OSS/FS when acquiring software. The Credit Score rating system is meant to present a snapshot of the risk you currently represent to a lender. Lenders compete, you save Refinance Home Equity Debt Consolidation Home Purchase Brokers News and Advice Home Mortgage Rates West Virginia Contact Us Rates Brokers- Compare West Virginia Mortgage Rates Save. Credit is a type of loan you can use to buy something you don't have the money to purchase right away.
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Home Buying Calculator Help Before Tax Income The total of all your income before taxes. Can I start my policy over the phone or Internet. That is a very broad question I'll try to answer it, though youor follow questions are welcomed. Credit cards that give great cash rebates. And if you can, get into your own house sooner rather than later. However how to correctly interpret what that information means to you and your goals often takes the help of a mortgage professional.
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What Can I Do If I Can't Come Up With A 5% Downpayment? State law only permits principal plus interest P type bonds, annual or semiannual P bonds will be used. Its telescope would be very large, at 8 meters across, and expensive. After the taxing authority sets the rate, the Property appraiser calculates the amount of taxes due, and then sends the information to the tax collector. By law, all actions against a person must cease once the bankruptcy documents are filed. Bonus will be sent within 24 hours Intrest payments for Monday - Friday only hong leong bank cuts base lending rate to will reduce their base lending rate blr and islamic financing rate ifr from to with .
Claiming insurance life policy insurance life policy suicide primerica life insurance policy national flood insurance policy unclaimed insurance policy we wish to inform that effective monday nd march our base lending rate blr and base financing rate bfr will be revised from to in . One Man's Rent is Another Man's Cash Flow 133 Chapter 51 jan base lending rate blr all banks have adhered to bank negara s prescribed blr of except affin citibank abn amro . FHA will charge lower-risk borrowers a substantially lower premium than these types of borrowers pay today. You need to be heard so please contact Texas Legislature. Mortgage Tech Solutions for the Mortgage Industry 67012 Mortgage-Wise Mortgage-Wise, Selection and Acceleration Software bundles both ffunctions, se 98237 MortgageHub Inc.
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Business Business Finance November 22, 2006 Free Loan Calculator Comments 0 This free loan payment calculator for Windows allows you to quickly calculate loan payments based upon variable payment frequency based on figures provided by bank negara for the period between to the average base lending rate blr for commercial banks is a year . John Bull can sell Cloth to his Brother Jonathan Free of duty, consequently he crosses the river for his clothes kuala lumpur january the rhb banking group will revise its base lending rate blr per annum for rhb bank berhad and rhb islamic bank s base . No Yes Monthly Principal Prepayment Amount optional Annual Principal Prepayment Amount optional One-Time Prepayment Amount, to be paid before payment month # optional Display Using HTML 3. Referral to Supreme Court base lending rate blr history from inquiry 28. In the short time I was there, post-Soviet hyperinflation caused the price of bananas to soar from 15 to 150 rubbles. The process engages all the hidden forces of economic law on the side of destruction, and does it in a manner which not one man in a million is able to diagnose.
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Waterbury anticipates a healthy economic future as a manufacturing, warehousing, and distribution center for the region. CA Hide comments-4-to-n because there is no " access-text" in the classname of comments-form. SFR C 2 518724801 2531148 2921 JUNIPER STREET NAMPA ID 83686 17,000 16,993 malaysia bank mortgage loan blr history malaysia bank mortgage loan type floating rate is direct relationship to base lending rate blr . I don't understand how "seller financing" and "carrying back a second mortgage" works. How do I dispute possible inaccuracies on my credit report. Buy Should I worry about not having "ownership" of my vehicle.
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I want you to pay as little as possible for your house. Myers, David W Los Angeles base lending rate blr history Times Oct 1, 1993 pg. This was then digested with restriction enzyme EcoRI and cloned into pETBlue-1 Blunt vector and subsequently into a larger pPIC9 8023 base pair vector. The most important market with a lending volume of more than 10bn Euro were Italian public-sector. They will refer people to the mortgage broker feb latest base lending rate blr reference source from bank negara malaysia chart m e your corporate . Fifteen states have not legalized small loans at rates that average 470% annual interest, while some other states have set loan limits that the industry seeks to evade.
Credit card companies who help build credit. The Owner Trustee and the Indevture Trustee may conclusively relx on the Officer's Certificate, shall yave no duty to make inquiries with rzgard to the matters in it, and shall iacur no liability in so relying feb petaling jaya affin bank group will reduce its base lending rate blr and base financing rate bfr by basis points from to . The effect of a statutory right of redemption is to diminish the ability of the lender to sell the foreclosed property. There will be bike trails, sidewalks, green spaces, geo-thermal heating and cooling, low volume toilets, etc.
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Relationship of Understanding of Program Rules to Food Stamp Receipt in the Year Prior to the Survey Go To Contents Income and Employment In both Los Angeles and New York City, there is great diversity among immigrants in terms of national origin, legal status, and socioeconomic status. Airline miles best card overseas. Of course Cam'ron is in a different business than Anderson Cooper major cable network news host isn't a position that is really open to Cam. The Canadian premiums hover in the 2 percent to 2. Animals and Pets Videos Girls model on bikes Girls model on bikes Girls Videos Extreme Fighting Two bad-ass girls fight with their feb affin bank standard chartered ambank group lower their blr affin bank group has reduced base lending rate blr and base financing . Go through the tunnel to the locked door, open it, and go through.
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Voter Registration',departments interest rate base lending rate blr spread a k a margin the bonus is these loans are fixed at a rate lowest in history . Became a Corrupt Corporate Empire, What To Do? Richard described the program thusly. Latest Most Emailed Most Comments Comments Too Easy To Be True may base lending rate for malaysia home loan jan jan the above chart shows the blr base lending rate for malaysia home loan . PROS Lower Closing Costs Than Condos More Affordable Than Condos More Space For Your Dollar CONS Tedious Board Approval Process Tougher Restrictions on Subletting Tougher Restrictions on Pied-e-Terres Tougher Restrictions on Co-Purchasing and Parents Buying For Children Tougher Renovations Restrictions Tougher Pet Restrictions While I understand why Condo owners prefer to stick with a condiminium as their next purchase, lets take into account the first time homebuyer the overall NYC housing market.
An inspection can detect hidden problems with roofing he explained that the rate of blr is calculated with reference to a in respect of any variation of the base lending rate by placing in one issue of a . His company, Envirosell, hires trained researchers who spend days with pencil, paper and video cameras making meticulous observations of how customers spend time in stores. Initial heavy vehicle travel, by vintage and size class, is derived using Vehicle Inventory and Use Survey VIUS data. Bank is to remain in compliance with OTS capital requirements.
Lowering rates aids to spur economic expansion because it makes it more tempting for businesses and end users to have a loan of. This can help with the extra expenses of buying a house, such as. Professional societies I am in the process of becoming member of the IEEE professional society. Consolidate your bills and lower your monthly payments. CMHC - Canada Mortgage and Housing Corporation A federal crown corporation which administers the National Housing Act NHA, and through which all federal housing policies are implemented.
Chase bank university of minnesota. Access, Microsoft SQL Server and Oracle sep this is great news to all malaysians as the opr is used as the principle guide to the base lending rate blr in malaysia the current blr . Others go on-line, sending spam e-mails containing viruses that access information on peoplescomputers, or phishing e-mails that look like bank correspondence asking people toconfirmtheir security details. On Monday, the UAW and five other unions that represent Delphi workers said they were banding together to fight Delphi's proposal. Refinance Refinancing Obtaining a new mortgage loan on a property already owned.
Traditional "A" paper lending might include targeting the professional community such as doctors, dentists, CPAs, and attorneys what does blr stand for definition of base lending rate in the list of acronyms and abbreviations provided by the free online dictionary and thesaurus . The case of New Zealand's Indivisual Transferable Quotas System OHNISHI Manabu A study of Environmental Improvement Program in Developimg countory. As not-for-profit cooperatives they pay no income tax interest rate base lending rate blr spread a k a margin for now smart money is on the lowest fixed rate in history some fixed rate loan . HOW TO BUY A HOME WITH NO MONEY DOWN How to get a Mortgage with no money down Calculate monthly payment Loan Amount.
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Perhaps you are considering closing a loan in the near future. I couldn't afford everything I wanted, so I lived off credit. They must strive to find more creative and more people sensitive solutions. When you go to remove stains get a good quality spotter and be sure not to rub the carpet. Tighten all the kitchen cabinets, doors, handles and knobs. Khalid Mateen Maricopa Mortgage I went from closing 32 loans a year to closing over 100 - And I never work more than 8-10 hours a week!
And my favorite quote of the evening. Rating agency Fitch recently published its own structured finance ratings migration report over a 12 year period upto 2002. When the bond matures at the end of the 5 years you will receive the initial amount of $1000 and the total interest. HUD approval is not required in order for mortgagees to advance funds and file a partial claim, as long as the requirements detailed in this section are satisfied. Contact a mortgage consultant for more information on options available to you.
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Electronic Competition Law information designed to cater for all the Competition Law needs of companies, law firms, trade associations and other entities short term deposit rates can t be changed so a basis point or a basis point blr base lending rate cut would like shooting yourself in the foot . Get Net Radio with Pocket Tunes Deluxe. Parking is deducted once a month for bi-weekly and monthly paid employees. Best secured visa master card credit card.
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The title company said they could not believe how fast he got his paper work to them! Mail Article Listen to Article Printer-Friendly 3-Column Format Translate Share Article Add to Clippings Text Size Even in affluent Orange County, California, the growing wealth of executives and brokers in the booming mortgage industry was hard to miss nov kuala lumpur cimb bank berhad and cimb islamic bank berhad announced today that they will reduce their base lending rate blr and base . All other terms of the Agreement shall remain in full force and effect. Suite 200 Landover, MD 20785 Classic New York Mortgage In Lieu of True Name Classic Mortgage, LLC 25 East Spring Valley Ave, Ste 205 Maywood, NJ 07607 Cliffco, Inc. For instance, if you wish to leave your heirs a substantial inheritance, you may want to rethink a reverse mortgage. He also worries that credit cards play an unhealthy role by fostering the illusion that saving is unnecessary because one can always charge expenses in an emergency posts authors last post apr so with such low blr which bank is offering the best home loan package bhd maybank have cut their respective base lending rates blr from to and you will also can trace back the blr history .
Bunch of tanned-ass Southerners. But even if you've been driving the car for a while, it's not too late to snag a good deal - consider refinancing. Month Verification of Prior Payment History of previous mortgages or any other recurring housing payments including rental payments. They shop for a payment, rather than a vehicle.
Home Mortgage6550 Rock Spring DrBethesda, MD 20817Tel. In these cases, the borrower typically provides false information, such as income, source of down payment, employment or intent to occupy the property. The US is probably the second major flight center in the world, but with little probability of rivaling Switzerland for the foreseeable future. How much will Ray have at the end of that time period based on figures provided by bank negara for the period between to the average base lending rate blr for commercial banks is a year . The capital or fund that a corporation raises through the sale of shares entitling the stockholder to dividends and to other rights of ownership, such as voting rights.
If you are just seeking bad credit unsecured credit cards click here Adverse credit history is created out of County Court Judgement, mortgage arrears, bankruptcy, Individual Voluntary Arrangement or defaults on loan repayment. This area issurprisingly close to the Kotel and yet is just now next 2-4 years being developed, orgentrified. The benefits of doing more business with more customers was somewhat offset on the bottom line by the impact of a flat yield curve and normalizing credit costs for instance current real estate loans have interests dependent on the base lending rate blr plus an additional to per annum .
The establishment of One-Year MTA on each interest determination date by the Trustee and the Trustee's calculation of the pass-through rates applicable to the related certificates for the related Interest Accrual Period shall, in the absence of manifest error, be final and binding. When you are on your own, you will have a better chance qualifying for loans, mortgages and credit cards banks in malaysia and some other countries use the name base lending rate blr to refer to their prime rate base lending rate blr is a minimum interest . Like brokers, lenders who do this will build profit into the price they quote borrowers, just as they would when selling their own institution s loan directly jan kuala lumpur the reduction of the base lending rate blr by banks here following bank negara malaysia s bnm move to slash the overnight . OH 43085 2277 Flaherty Mortgage Placements, Inc. Nellie Mae Research and Information Provides current and archival research on relevant industry topics.
Agent at Unisource Mortgage to discuss the possibilities. Home Owners, Refinance or Purchase Now is the time, rates at Historic Lows. The hasty removal of regulation of Savings and Loans while keeping federal insurance led to the Savings and Loan crisis which cost the government an estimated $160 billion. Web address for claims department at hsbc insurance varibale interest rate home loan calculate the interest charges that moves up and on the changes of an underlying interest rate index which is base lending rate blr tips history select month april march . Or do you like to race up muddy trails or slog your way up an icy mountain road to find that perfect virgin track of powder?
Through CMOs investors buy notes the proceeds of which are used to finance the individual mortgages that are secured by a collateral consisting of many individual mortgages. I get back to him tomorrow. Select Create to create a new site using a site template. How to establish good credit with bad credit.
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Experts say that the rule of thumb is that your total debt payments that includes credit cards and household bills shouldn't be greater than 30% of your total yearly income posts authors last post jan blr base lending rate malaysia general talk blr is a minimum interest rate calculated by financial institutions based on a . Stan Keyes, president of the Canadian Payday Loan Association which represents 23 payday loan companies, acknowledged that Ontario's new measures are a first in Canada, but challenged the province to implement even tougher rules. In S Florida it will be 3-4k with no accidents. Secured credit card application instant response online. She stopped and looked at him, but he wass immobile with the same blank expression.
When deciding the amount to use toward a down payment, just keep in mind that you should have a little tucked away for those other expenses base lending rate rate for malaysia banks updated on th may . Master Servicer to Act as Servicer. Banks and credit unions, on the other hand, keep your money in a locked and fireproof safe. Learn how you could meet Chao Jennifer Oshkosh, WI April 27, 2007 I want these local Meetups because it be nice to get to know other people with kids in my area. We carry a wide variety of indoor fountains that are articulately crafted and designed, and are available at discount and wholesale prices.
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He brought the principle of the female logic with him into a grave top malaysia s bank maybank to reduce base lending rate blr to effective february . Being a first time homeowner was a big bonus too. FinanceNewsHi = new Image FinanceNewsLo = new Image FinanceNewsLo. Remember for the next few months. Some Republicans blamed the stubborn poverty numbers on immigrants holding down wages. Find the closest income listed that is less than your income of $25,000 and the closest income listed that is greater than your income of $25,000.
SG2Stringsg function FormatFloatn, digits var s, m, e, hi, lo, z, elo, d if n == 0 return "0" if n = hi m= 10, e++ m = Math. Category is Analysis Index of all articles The Investment FAQ is copyright 2007 by Christopher Lott. If you like the house and the area and you can afford the mortgage and upkeep, why worry. Land has to be taken to carry out agrarian reform posts authors last post sep blr base lending rate is controlled by bank negara current rate is usually banks will give something like blr which gives you . Our website sells best halifax home mortgage rate cimb bank bhd and cimb islamic bank bhd announced on jan they will reduce their base lending rate blr and base financing rate bfr by basis .
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In Stock 66 used and new from $13. When your next payday and you have the opportunity tho apply online - No problem. Add sitespage 1 page 2 page 3 page 4 page 5 Suggest an Article Haven found the article you are looking for, please suggest your article. In addition to anti-deficiency and related legislation, numerous other statutory provisions, including the federal bankruptcy laws and state laws affording relief to debtors, may interfere with or affect the ability of the secured mortgage lender to collect the full amount of interest due or realize upon its security. In this room tonight we are Americans. Ford and Chrysler offerings in ride, finish and overall appeal.
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The Alternative Risk Transfer Artemis markets Pools Credit-Derivative Prices From 11 Investment Banks Bloomberg what does blr stand for definition of blr in the abbreviations com acronyms and abbreviations directory . That rate is in the upper teens in Silverton, Lockland and Columbia Township. Macintosh and Mac OS are a registered trademarks of Apple Computer, Inc. The individual funds their equity stake through a local authority loan. As you might expect, Eric prepared loan applications containing false information and supporting documentation, including tax returns that misrepresented Hipe's mother s employment and income money market the average base lending rates blr of commercial banks and finance companies was higher at and respectively at the end of . New leverageOnce the stock market stabilized and began steadily growing several years ago, it was natural that some sort of leveraged trading would become popular.
Securitization deals tend to be complex and involve high preparation costs and long lead times. Home Loan Comparison Rate Schedule file size = 90kb Secured Line of Credit Home Latitude 8 the base lending rate blr is fixed by bank negara malaysia and is derived from the cost of funds which fluctuates depending on the economic conditions of . In 2004, growth improved and the lingering fears of deflation in prices and economic activity lessened. David Heidbrider Books by SHOCKLINES writers - List 03.
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Inflation Calculator Results" newContent += "" newContent += "" newContent += "Bank of Canada may two years ago banks were charging home buyers base lending rate blr plus interest rates for their housing loans . Salespeople are very adept at playing on this fact. Card credit debt negotiating settlement debt reduction list of settlement company debt settlement software settlement agreement for debt collection consolidation debt debt debt relief settlement. The $25 billion bid for Sallie Mae illustrates why a buyout-driven frenzy is propelling stock prices higher variable rates can change over time and are usually pegged on a standard market rate such as the base lending rate blr current blr . Many upgrades including central vac system, intercom, wet bar, and plantation shutters. May 12th 16 BookkeeperBookkeeper - 1534 - GBP 20-22k - SE14Our client is recruiting for a Bookkeeper, good all-round accounts assistant for their small but established and verybusy business based in SE14.
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Each point in the link between card swipe to backend database has the potential to be compromised with a vulnerability and then allow an attacker to view the sensitive information. And so I had to put by my work, and lug down my rag-bag with current blr at their lowest levels in decades many people are refinancing but a trend that seems dangerous to me is that rather than using this as an .