Makita Electric Works, famous for their power tools, has a long history of manufacturing high quality products known for superior, innovative design and durability!

The company first started operations in Japan in 1915, almost a century ago, and was founded as a repair and electric motor sales business. Several years down the road, in 1958, Makita became the first Japanese manufacturer of electric planers.

The next year, in 1959, Makita changed its focus to manufacturing electric power tools.

The rest, as they say, is history.

In the same year the company switched to manufacturing electric power tools, it initiated the export of power tools with a shipment of 1300 hand held electric planers to Australia.

In 1960, Makita completed a brand new manufacturing plant, and two years later changed the company name to Makita Electric Works, Ltd.

In April of 1969, thanks to intense research and development, Makita pioneered the first rechargeable power tool: the 6500D battery powered drill.

Thanks, Makita!

Battery powered tools have been a boon to millions of workers, both professional and Do-It-Yourselfers, all over the world!

Not content to rest on its laurels, the company went on in 1978 to introduce the first nickel cadmium battery operated tool, a rechargeable drill.

Still the pioneer in the world of power tools, in 1981 Makita once more revolutionized the industry with the introduction of the world's first air tool---a pneumatic nailer---along with an air compressor.

Again&[censored] ip;.hats off to Makita! Anyone who has ever worked with tools realizes the beneficial impact these air tools have had on the industry!

Nobody could call Makita a one or even a two trick pony, because in 1997 the company launched the first nickel hydride battery operated tool, which was exhibited at the Chicago Hardware Show.

Continuing this tradition of innovation, Makita brought the first Lithium Ion battery operated tool onto the market in 2005.

Through the years, Makita Power Tools have opened new manufacturing plants and launched sales internationally. Their brand name is synonymous with state-of-the art, cutting edge technology and a commitment to excellence!

Get Tools Direct offers a comprehensive selection of Makita Power Tools!

As a part of United Tools, one of the largest buying groups in Australia, Get Tools Direct is able to buy at a drastic discount and p[censored] those substantial savings on to you!

Shop and buy online 24/7 with super fast delivery right to your door!

Get Tools Direct has an expert staff with decades of combined experience standing by to provide whatever assistance you may need and answer your questions.

Call: 1300 334 894

Or email: sales@gettoolsdirect.com.au

Makita Electric Works, famous for their power tools, has a long history of manufacturing high quality products known for superior, innovative design and durability!

The company first started operations in Japan in 1915, almost a century ago, and was founded as a repair and electric motor sales business. Several years down the road, in 1958, Makita became the first Japanese manufacturer of electric planers.

The next year, in 1959, Makita changed its focus to manufacturing electric power tools.

The rest, as they say, is history.

In the same year the company switched to manufacturing electric power tools, it initiated the export of power tools with a shipment of 1300 hand held electric planers to Australia.

In 1960, Makita completed a brand new manufacturing plant, and two years later changed the company name to Makita Electric Works, Ltd.

In April of 1969, thanks to intense research and development, Makita pioneered the first rechargeable power tool: the 6500D battery powered drill.

Thanks, Makita!

Battery powered tools have been a boon to millions of workers, both professional and Do-It-Yourselfers, all over the world!

Not content to rest on its laurels, the company went on in 1978 to introduce the first nickel cadmium battery operated tool, a rechargeable drill.

Still the pioneer in the world of power tools, in 1981 Makita once more revolutionized the industry with the introduction of the world's first air tool---a pneumatic nailer---along with an air compressor.

Again&[censored] ip;.hats off to Makita! Anyone who has ever worked with tools realizes the beneficial impact these air tools have had on the industry!

Nobody could call Makita a one or even a two trick pony, because in 1997 the company launched the first nickel hydride battery operated tool, which was exhibited at the Chicago Hardware Show.

Continuing this tradition of innovation, Makita brought the first Lithium Ion battery operated tool onto the market in 2005.

Through the years, Makita Power Tools have opened new manufacturing plants and launched sales internationally. Their brand name is synonymous with state-of-the art, cutting edge technology and a commitment to excellence!

Get Tools Direct offers a comprehensive selection of Makita Power Tools!

As a part of United Tools, one of the largest buying groups in Australia, Get Tools Direct is able to buy at a drastic discount and p[censored] those substantial savings on to you!

Shop and buy online 24/7 with super fast delivery right to your door!

Get Tools Direct has an expert staff with decades of combined experience standing by to provide whatever assistance you may need and answer your questions.

Call: 1300 334 894

Or email: sales@gettoolsdirect.com.au


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In the world of home loans, nothing is more dour sounding than underwriting. Cutting to the chase, this is where you get approved or denied for your borrowing request.

Underwriting and the World of Home Loans

Regardless of the type of home loan you need and apply for, the process works in a fairly uniform manner. First, you access your needs. Next, you apply for the loan. The loan is then submitted to underwriting. If you are approved, the loan is processed and off you go to closing for you new home. While this may all sound fairly straightforward, just what happens during the underwriting process? Here is the answer to the grand mystery.

Underwriters are employees with a lender that are charged with making the big decision. In short, this is where the buck stops on approval and rejection of loan applications. They are typically stressed out, overworked individuals. They also tend to be very hit and miss when it comes to speaking with borrowers, to wit, they don’t call back all that often if you have leave a message with questions such as closing is in two days and I need an answer!

In evaluating your loan application, underwriters look at a number of things. The first is collateral, to wit, is the home free and clear of liens and is it actually appraised at a number appropriate for the loan amount being requested. The second issue is whether you, the borrower, have the ability to pay back the loan on a monthly basis and over the term of the repayment period. The third issue is loosely known as your credit score and combines issues such as your FICO score, debt to income rations, patterns of repayments on other debts and so on. If you can meet the lender guidelines for these three areas, you are usually in fairly good shape when it comes to being approved. That being said, there are other areas that are also used in the evaluation that can sink you.

While the above three issues are dominant factors in the loan evaluation process, underwriters will look at other issues as well. Remember, the underwriter is evaluating how big of a risk you are given the fact a lot of money is being loaned. One thing an underwriter will always focus on is your front ratio. A front ratio is simply a calculation of your total monthly housing expenses divided by your gross income. Housing expenses include the mortgage payment, real estate taxes, insurance and so on. An underwriter is typically looking for a ration of thirty-three percent or less. If you are above this percentage, the underwriter will probably reject the loan application.

At the end of the day, underwriting is the nitty gritty of any loan application. If you meet the criteria of the underwriter and lender, you are good as gold to get the loan. If you do not, it is time to look for a cheaper home and clean up your credit.

Dan Lewis is with http://www.gwhomeloans.com - mortgage brokers providing refinance and lending solutions.
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