Interest rates and APRs are based on current market rates, are for informational purposes only, are subject
to change without notice and may be subject to pricing add-ons related to property type, loan amount,
loan-to-value, credit score and other variables - call for details. This is not a credit decision or a
commitment to lend. Mortgage insurance may be required. If mortgage insurance is required, the mortgage
insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be
available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking
into account such items as interest, most closing costs, discount points (also referred to as "points"), and
loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your
monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage
(ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly
payments are subject to increase after the fixed period.
Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down
payment). Discount point have varied and can be found on www.freddiemac.com. These mortgage averages are
for loans in 1st Lien Position. The historical Freddie Mac PMMS® data is provided "as is," with no
warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied
warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole
risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or
related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or
punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is
aware of the possibility of such damages.
The methods I teach foster an attitude of cooperation and contribute to partnerships between the animals and the humans.
Although the trainers are the senior partners, the trainers work for the animals and the animals work for the trainers.
My services are best for people that desire to learn a few basic concepts about animal learning and behavior as well as methods to communicate with and motivate animals, before training begins.
The methods I teach are based on the scientific principles of classical and instrumental conditioning.
The methods I teach require people to think, study, learn and practice in order to be successful.
All training methods are most effective when the animal's physical, emotional and social needs are well balanced.
I do not use leash jerks or voice corrections to teach obedience commands. The use of positive reinforcement and negative punishment are the primary teaching tools. The animal receives a combination of food, play, praise, interaction or touch as rewards for performing. The rewards of food, play, praise, interaction or touch are removed or withheld for non compliance.
When teaching with positive reinforcement, trainers focus on rewarding (reinforcing or increasing) wanted behaviors as opposed to punishing or diminishing unwanted behaviors. For example, teaching a dog to sit and stay naturally reduces a number of unwanted behaviors such as jumping up or bolting out the door.
How's Bentley services are not best for people who believe that animals are dumb or people who wish to create a master/slave relationship. People that are rigid in these beliefs and desires would probably be happier learning different methods from a different trainer.
How's Bentley services are best for people that believe animals should be treated with respect and are open to the concepts that perhaps animals can think, understand and make informed decisions.
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