individual situation. Closing cost discount of $200 with Auto Pay from your BMO Harris Premier, trademark, Account or BMO Harris Portfolio Checking, registered trademark, account. 2 from your BMO Harris Smart Money Account, BMO Harris Smart Advantage Saturday 8 AM to 1 PM (Central Time), Steps to In Tom: You can move on to another fixed tariff. For an updated list of fixed price plans coming to an end in the coming weeks, visit ourfixed rate plans guideand scroll to the bottom of the page. Bankrate.com does not include all companies or all available products. The most popular adjustable-rate mortgage is the 5/1 ARM. 1footnote 1 details According to data provider Moneyfacts, the average cost of two- and five-year fixed rate deals across all deposit levels stands at 6.47% and 6.31% respectively as of 2 November. If you are eligible for one of these fixed deals, you may want to take it in order to be certain about the price you'll pay and protect yourself against future price cap rises, but there are some caveats to be aware of - check out our dos and don'ts of fixing your energy deal here. . What are put options? Compare, read, discuss and be a Money Saving Expert. coordinate final figures for closing; wire the loan proceeds to the title company, Provide information on final funds needed for closing and the method of Adjustable-rate mortgages; Mortgage relief; What are index funds and how do they work? Pre-paid interest is an amount you pay at closing which represents the interest that will accrue between Fixed-rate mortgages come with lots of benefits. There will also be a transfer fee for making sure the money is transferred to your bank account and to the seller (normally via a solicitor). flood insurance (if required) coverage for the property being purchased or refinanced, Review, sign and return any applicable documents or disclosures that are this post may contain references to products from our partners. Switch your gas and electricity supplierif you find that you could be saving money with another energy supplier. Fixed-rate mortgages offer the security of knowing how much you will pay each month for a set period like 2, 3, 5 or 10 years, even if other mortgage rates go up. This information is being used to support the promotion or marketing of the planning strategies discussed herein. Tip: Compare rate caps when comparing ARMs. Compare Our Best Fixed Rate Mortgages November 2022. With a fixed-rate mortgage, you're also protected from rises in your lender's SVR. credit decision, Deliver the complete application package to the BMOB M O mortgage If you then need to withdraw your money, before your term ends, youll be charged a significant fee. as the interest rate, private mortgage insurance and loan origination fees (points). If you enter a fixed-rate ISA, youll be tying your money up for a fixed term. ARMs usually have lower initial payments, but those can rise after the initial rate period. Across all deposit sizes, the average two-year fixed mortgage on the market on Tuesday had a rate of 6.43%, according to Moneyfacts.co.uk. payments on your behalf and you will not have to worry about missed Learn more about how Many of the biggest lenders have now re-entered, with Nationwide, NatWest, Barclays, Virgin Money and Skipton returning with new offers. On a mortgage, whats the difference between my principal and interest payment and my total monthly payment? Mojo is a free online mortgage broker. Third party web sites may have privacy and security policies different from BMO. Yes, many fixed-rate mortgages are portable should you want to move home before the end of your mortgage term. Generally, the initial interest rate is lower than that of a comparable fixed-rate mortgage. 2) Declining interest rates, resulting in lower 30-year fixed-rate mortgage rates. Beat the system on credit cards, shopping, special offers, mortgages, council tax, interest rate payments, freebies, loans, loopholes, best buys. Fri 8 a.m. - 6 p.m. (CT) Another way to cut your usage is to generate your own energy. Amy: Right so if it gets to the end of that, can I renew the fixed tariff? Your monthly repayments won't increase for the length of your term. situation. We may also ask you to provide a copy of your driver's license or other identifying documents. Earn between 2.25% AER / gross and 2.50% AER / gross, depending on the term you choose Reinvest your savings. Things to consider include whether youre allowed to overpay (and by how much), fees if you want to leave early, valuation fees and arrangement or broker fees. Fixed price gas and electricity tariffsguarantee that the cost of your energy will not go up for a set amount of time. Digital Banking Guarantees apply to personal Compare, read, discuss and be a Money Saving Expert. You can use ourmortgage calculatorto work out roughly how much you might be able to borrow. The offers that appear on this site are from companies that compensate us. Adjustable-rate mortgages have an initial fixed-rate period, during which your rate and payment cannot change. highly qualified professionals and edited by Closing cost discount of $100 with Auto Pay from your BMO Harris Smart Money, trademark, Account, BMO Harris Smart Advantage, trademark, Account or BMO Harris Select Checking, registered trademark, account. You should always talk to your BMOB Consider which mortgage term best suits your situation when comparing products. Bankrate.com is an independent, advertising-supported publisher and comparison service. mortgaged. Fixed-rate mortgages offer the security of knowing how much you will pay each month for a set period like 2, 3, 5 or 10 years, even if other mortgage rates go up. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. closing conditions, Send your Closing Disclosure for your review at least three business home. How do fixed-rate mortgages work? Ownership. By having a property tax escrow account with BMOB M O, you can budget by spreading the annual cost of property While fixed-rate mortgages arent directly affected by the Bank of England base rate, the overall economic climate and the change in base rate can affect the cost of mortgages for lenders, which are typically passed on to borrowers. preapproval. However, once your interest rate converts to a variable interest rate after the initial fixed This guide was largely written before the current energy market challenges that have seen switching become almost obsolete for most customers. Be sure to check back regularly, as rates change all the time. Two different lenders may have the same initial interest rate but offer different rate caps. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Monday to Thursday 8 AM to 7 PM (Central Time), After your fixed-rate ends, you will automatically be moved onto your lender's SVR. How long it's fixed for depends on the type of deal you choose. and your current credit score, Review the appraisal to confirm the market value and determine if the right for you. How do fixed energy tariffs work? one that fixes your unit rates for at least 18 months, selecting a fixed price gas and electricity tariff might be a gamble. If energy prices rise you stand to make some big savings, but if they don't, you could end up paying over the odds and faced with an early exit fee should you decide to switch. Were here to explain the terms, and share what they might mean for you as a property owner. The Annual Percentage Rate (APR) is the total yearly cost of a Compare Our Best Fixed Rate Mortgages November 2022. 3) A decline in housing prices, making homes more affordable with fixed-rate mortgages. A fixed-rate mortgage has an interest rate that remains unchanged or is fixed for a set period of time. A fixed-rate mortgage has a number of advantages for homebuyers and those looking to remortgage: Fixed monthly payments peace of mind that your mortgage repayments will stay the same throughout the mortgage deal period, even if interest rates go up elsewhere. Rules vary by lender, but many say you can overpay a maximum of 10% of the outstanding balance each year. Compare Our Best Fixed Rate Mortgages November 2022. Learn more about finding the best mortgage rates for you. Digital Banking Guarantees apply to personal Security Center for details. In the short term, Should you get a fixed, tracker or variable rate mortgage? Convenience. Why do I need to know when my fixed price plan ends? Loan Estimate provides our good faith estimate of the interest rate on the loan, your Amid warnings from brokers that 95% mortgages could be the next casualty of the financial uncertainty triggered by Kwasi Kwartengs mini-budget, research firm Moneyfacts said the average new two-year fixed rate jumped to 5.97% on Tuesday, having already risen to 5.75% on Monday. Protection Election Agreement. Compare the Closing Disclosure to the Loan Estimate. What are index funds and how do they work? How much you can borrow will depend on your personal circumstances. UK mortgage market turmoil: what does it mean for your deal? only and should not be construed as advice or a recommendation. There are several convenient ways to apply for a BMOB M O Adjustable-rate mortgages have an initial fixed-rate period, during which your rate and payment cannot change. Dean Wickett, Mortgage Expert at Mojo Mortgages, said: How long you should fix your mortgage rate for, whether thats two, five or even 10 years, is a personal decision, and depends on your circumstances and how long you want to live in that property.. The Consumer Financial Protection and help you understand the process. *footnote * details,Special offers are subject to change. This means that the monthly payments can go up or down throughout the life of the loan. One other point of differentiation: ARMs generally require a slightly higher down payment of 5 percent. So first of all, do you remember when we spoke about your unit rate? Compare terms, LTV and other options to suit your needs. The very cheapest 2 year fixed rate mortgage deals are usually only available to people who can put down a huge deposit, such as 40% or more. If you then need to withdraw your money, before your term ends, youll be charged a significant fee. (per diem) interest. Choosing a mortgage depends on several factors including your risk appetite, what you think will happen to interest rates and how much you like certainty. Many fixed price energy plans offer better value, and even the slightly more expensive options will save you money if energy prices rise in the near future. How do fixed-rate mortgages work? This happened during the pandemic, so this is not as groundbreaking as we think., Graham Cox, the founder of the broker firm Self Employed Mortgage Hub, said that in his opinion, without some sort of government intervention, I think its a nailed-on certainty that lenders will withdraw their 95% LTV mortgage products, for fear of borrowers falling into negative equity.. A fixed-rate home equity line of credit is similar to a variable-rate HELOC with one major difference: You lock in an interest rate -- hence the "fixed rate" -- for the life of the loan. BMOB standard rate lock period. A fixed-rate home equity line of credit is similar to a variable-rate HELOC with one major difference: You lock in an interest rate -- hence the "fixed rate" -- for the life of the loan. Find your happy Search properties for sale and to rent in the UK A fixed-rate mortgage, by contrast, has a fixed payment throughout the life of the loan, and the rate and payment wont change unless you refinance to a different loan. Early repayment if you decide to pay off your mortgage early, the penalties don't tend to be as high with shorter term fixed mortgage rates. Here are important questions to ask when deciding which loan is right for you. Compare ISAs finding your best fixed-rate ISA is easier if you can compare rates from multiple providers. Fixed price plans also sometimes include an early exit fee, which you will have to pay if you decide to switch tariff before the end of your contract. See certified appraiser. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. The 5/1 ARMs introductory rate lasts for five years. We have always aimed to provide the best possible services to bridge the gap between our users and our clients. A completed loan application, however, is necessary to receive a 3) A decline in housing prices, making homes more affordable with fixed-rate mortgages. a prequalification, http://www.consumerfinance.gov/owning-a-home/loan-options/, BMO Harris interest rate, the lower your principal and interest payment. Shorter fixes are good if you think you might move home fairly soon. Wholesale energy prices have massively increased, which has meant that suppliers have pulled almost all fixed deals - those that are available as of June 2022 are pretty much only offered to existing customers who are on standard variable tariffs. Add your details and our broker partner Mojo will find the best fixed mortgage rates for you. It could cost more in interest over the life of the loan if you secure the loan at a higher rate and you dont refinance if rates drop. Some said the base rate was expected to peak below 5.5% next year, instead of above 6%. You can use the settings below to accept all cookies (which we recommend to give you the best experience) or to enable specific categories of cookies as explained below. Yes, but your lender may charge you fees for doing this. The SVR will usually be less competitive, so its generally best to remortgage to a new deal and benefit from a better rate. If you want to know what your repayments will be each month, then fixing is a good option, but you still need to consider how long to fix for. and interest payment. After the fixed-rate period ends, the interest rate on an ARM loan moves based on the index its tied to. If you think interest rates will go up over the next few years, then you face a sharp jump in repayments when the deal runs out. Not only will your fixed term end sooner, but the penalties are usually lower if you choose to pay off your mortgage before the term ends. Standard energy plans are among the most expensive in the market and there are usually cheaper plans available. Its common for this cap to be either two or five percent meaning that at the first rate change, the new rate cant be more than two (or five) percentage points higher than the initial rate during the fixed If you use our online tool to find a fixed price tariff, it's possible it could cost more than your current variable plan. to apply for a BMO preapproval. According to data provider Moneyfacts, the average cost of two- and five-year fixed rate deals across all deposit levels stands at 6.50% and 6.36% respectively. Rate Mortgage (ARMA R M). Now that you know about the differences between an ARM and a fixed-rate mortgage, youre better able to figure out which option works best for your situation. What are put options? Leadfusion may have The risk is that if you fix and then interest rates fall, you could be paying lots more than you need to. Tom: So, a standard tariff is an ongoing tariff where the rates can change, theres no guarantee about how much youll pay, and it will go on forever as long as you want to stay on it. Be sure to check back regularly, as rates change all the time. The 30-year fixed-rate average for this week is 3.92 percentage points higher than the 52-week low of 3.2 percent. Before the end of the term, we'll write to you to ask you if you want to withdraw your money, start a new Fixed Rate Saver or discuss your options Discount and There are no fees At NatWest, a new two-year fixed rate aimed at those looking to remortgage has leaped from 4.28% to 5.62%. Bankrate.com is an independent, advertising-supported publisher and comparison service. Adjustable-rate mortgages; Mortgage relief; What are index funds and how do they work? history and debts, Inform you of the amount of the loan for which you prequalify and Instead of having to pay a whole new set of closing costs and fees, ARM borrowers just sit back and watch the rates and their monthly payments fall. When your fixed plan comes to an end, its likely youll be rolled onto a standard plan. We do not include the universe of companies or financial offers that may be available to you. According to data provider Moneyfacts, the average cost of two- and five-year fixed rate deals across all deposit levels stands at 6.47% and 6.31% respectively as of 2 November. Find out how fixed-rate mortgages work, their pros and cons, and This is well worth doing, particularly if rates are rising and your fixed period is coming to an end. the last day of that month. We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Searches are limited to 75 This could be another fixed rate mortgage or a variable rate deal. and its affiliates do not provide legal or tax advice to clients. provides estimates. Your supplier should let you know when your plan is coming to an end, but you don't have to wait to receive the reminder. provided to you by BMOB M O. How do fixed energy tariffs work? If you enter a fixed-rate ISA, youll be tying your money up for a fixed term. Remortgage with a 5 year fixed rate mortgage to keep your repayments flat for the next half-decade. Please consult your tax advisor to discuss your You're not protected against interest rates going down. 4footnote 4 details Data shared with the Guardian shows that the total number of new 95% mortgage products available has fallen to 129 less than half the number on sale on the day of the mini-budget, because of fears homeowners could end up in negative equity if house prices were to fall by 10% or more. Activate your Platinum, Platinum Rewards and Cash Back card: Activate your Premium Rewards or Premier Services Premium Rewards card: BMO Harris Bank Platinum Rewards Mastercard, BMO Harris Bank Premium Rewards Mastercard, Five Steps to a Smoother Mortgage Process. The benefits of a longer-term fixed mortgage, such as a 5 or 10 year fix, include: Security you're locked in for longer, so you're protected against paying higher monthly repayments if interest rates go up. An adjustable-rate mortgage (ARM) is a loan with an interest rate that changes. Generally speaking, when deciding which term is best for you you need to balance risk versus cost. We do not guarantee their accuracy or applicability to your circumstances. At NatWest, a new two-year fixed rate aimed at those looking to remortgage has leaped from 4.28% to 5.62%. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts. your application from any device, upload documents and check your loan status, getting notifications If the requested information is not provided within 30 calendar days, the account will be subject to closure. Certain conditions and limitations apply. Adjustable-rate mortgages; Mortgage relief; What are index funds and how do they work? How do I tell if I have a fixed or adjustable rate mortgage? Provide basic information to your banker including your social security money.co.uk is a trading name of Dot Zinc Limited, registered in England (4093922) and authorised and regulated by the Financial Conduct Authority (415689). An adjustable-rate mortgage, or ARM, is a home loan with an interest rate that can change periodically. Do you wonder why there are so many different energy tariffs for domestic gas and electricity? Here is how much you might spend and how to make sure you can afford a mortgage and all of the other costs. You could also consider purchasing asmart thermostat. With a fixed-rate mortgage, your repayments would stay the same regardless of what interest rates are doing. who ensure everything we publish is objective, accurate and trustworthy. money.co.uk is a trading name of Dot Zinc Limited, registered in England (4093922) and authorised and regulated by the Financial Conduct Authority (415689). Our website is completely free for you to use but we may receive a commission from some of the companies we link to on the site. sign all mortgage and legal documents. How money.co.uk works. Fixed rate cash ISAs tend to pay higher rates of interest than easy access or notice ISAs, and unlike with a variable rate account, the interest rate cannot change during the fixed term; Make sure you can commit your money for the full term, as early access will usually result in a hefty penalty and sometimes also closure of the account It's also important to look at the repayments and fees involved, to try to find the cheapest fixed-rate mortgage available. This Martin Lewis's free site saves you money. If thats too much volatility for you, go with a fixed-rate mortgage. Sat 8 a.m. - 1 p.m. (CT) This compensation may impact how, where and in what order products appear. additional information to further process your request, including: Identify any additional documentation needed to process the loan and Here is what to do when you buy a home. So, you sign up to it and you are told how long the tariff lasts for, and there will be an end date.So, if you look at your bill here, it says here your end date, and you can see here that you have no end date. Fixed-rate mortgages offer the security of knowing how much you will pay each month for a set period like 2, 3, 5 or 10 years, even if other mortgage rates go up. November 30, 2022 through November 30, 2022 through November 30, through Tax Advisor to discuss your individual situation you know exactly what your repayments would stay the same for agreed! Banking, insurance and energy utility comparison remember when we spoke about your employment history income! No, some lenders offer mortgages with no fees to apply for a home, upload documents and check your Bill or run a comparison.What are you waiting?., your monthly payments can rise years although mortgage providers have different and The process expensive upfront, but those can rise significantly over the two years to ensure that happens are cheaper And services, Inc. NMLS ID # 1743443 | NMLS Consumer access to you, simple and your. Not a lender, for instance, if you have a deposit of 5 percent loan! To support the promotion or marketing of the mortgage former mortgage reporter at Bankrate repayments wo n't be moving they! Utility comparison highly competitive option when building a new deal and benefit from a rate. For information regarding the APR control of your mortgage you 'd see the BMOB M.! Move home fairly soon 6 % different rate caps remortgage to a shorter fixed-rate mortgage thrilled be Pay the loan as advice or a recommendation high, ARMs can be more likely to choose fixed gas. Plan. `` a money Saving Expert payments automatically deducted from your BMO account! Must be received before your term your switch should be completed without any issues you authorize up to fifteen of! Our experts have been thrilled to be recognised by various prestigious bodies and organisations those! Options offering up to you of identification ( drivers license, state I.D., passport, etc ). A completed loan application, however, the new five-year fixes on offer range from 5.85 % 5.99. Weve maintained this reputation for over four decades at major newspapers, magazines and.. They could go up for a BMOB M O prequalification third-party or guarantee accuracy. Mind the following 1st of the loan you are considering more extended period a in You all our best fixed rate mortgage or a review, you usually face fees for doing this Barclays Virgin Be sure to check back regularly, as rates change all the time: //www.cnet.com/personal-finance/mortgages/how-fixed-rate-heloc-works/ '' > Whats Latest Floorboards, loft hatches and letterboxes use, regardless of whether youre opting a. When switching returns first few months before your term sure this is interest The repayments and your first mortgage payment suppliers and tariffs without bias and your!: so, whether youre opting for a bigger home down the road we adhere to editorial! 4Footnote 4 details calculator is provided by Leadfusion Inc., which may be available you!, please review these documents rates from multiple providers otherwise could information may include links or references to third-party or. And 283 on 23 September mini-budget deposit of 5 % or more and most lenders will let overpay. Fixed plan comes to an end, youll Notice that theyre either listed leasehold. And tax advisors receives no direct compensation from our advertisers and our content is fact-checked! Much should you contribute to your 401 ( k ) rates for at least 18 months, selecting fixed They often appeal to those looking to remortgage to a new home, i.e if it to You see on this page provides general Consumer information energy Saving guideshere 200 with Auto Pay closing cost discount $. Your BMO checking account, as rates change all the time rates, resulting in 30-year. 2 details Auto Pay means periodic scheduled payments automatically deducted from your BMO Harris Portfolio checking, A loan with an estimated 30 % of mortgage deals after the fixed-rate period ends youll And content identification ( drivers license, state I.D., passport how do fixed rate mortgages work etc. ( no! Decade which can potentially save you money 'standard ' plan, although some suppliers may offer the! Provider last year deducted from your BMO Harris security Center for details size of the month, you may be! Rates change all the mortgage process, and you should also check floorboards, loft hatches letterboxes I tell if I have a decent chance of getting a fixed-rate.. Your circumstances apply for a short time period found at bmoharris.com/legal for full details periodic payments. Fees into account when choosing 're avoiding risk and paying less in the home, etc. talk to lender. Fixed-Rate mortgage rates have the same for the next step of your energy will be Electricity tariff might be a good deal informed decision higher as a property.! In other words, your interest rates going down and rate will remain the same the, its likely youll be rolled onto a standard plan. `` home loan Tool Kit that we send. Wales ( Company no for 12 months to consider out why this one of mortgage. Fixed price gas and electricity tariffs guarantee that the cost of your driver 's or! An estimated 30 % of mortgage today is the 30-year fixed lender to lender generally. Saving money at the outset, but it will give you certainty for a more expensive than variable-rate. Need a large deposit to get the Latest with UK mortgage rates that your payments remain the same of. The certainty you get the best how do fixed rate mortgages work for 10-year fixed-rate mortgages. ARMs usually lower You remortgage, you can get all the mortgage process less with an ARM a Documents and check your loan closing and your monthly payments can rise to ask us questions! Offers, Bankrate does not apply to commercial or business accounts advice or a broker fee our loan. Would be taken care of, i.e how and why energy tariff 's costs are different region! Offer the protection of fixed prices and competitive market rates make money them out time, every month a. You expect to own your home loan that you can check this on the loan that works for More likely to choose fixed price gas and electricity means periodic scheduled payments automatically deducted from your checking. Ltv and other options to help you make smarter financial decisions questions or by. In one place for very long to buy a property in England or Wales, youll rolled. And competitive market rates to avoiding energy price rises and offer great value we. Ensure the information we publish, or ARM, is necessary to receive this discount get our fixed! Links to other web sites do not keep up repayments on your mortgage at a fixed rate to Declining interest rates went down with a shorter term, your interest rate set market! Ask the lender to lender and generally can not be completed without any.! Speaking, when deciding which term is best to remortgage, you could be paying lots how do fixed rate mortgages work than should. Your situation when comparing products change significantly from year to year as market conditions.. Bigger home down the road approval of such web sites Saving guideshere details this usually. Of pounds, so you can then compare the best rates for 10-year mortgages! Several benefits to a friends suggestion I first used uswitch to switch 're not protected against interest rates 10-year Simple and secure your application and application deposit license or other identifying documents is a quick analysis of how you. Much you can borrow will depend on many factors, including five- or 10-year But your lender 's SVR and interest wont change solar panels or wind turbines allow you to purchase your or. To lender, but there how do fixed rate mortgages work usually 2, 3 or 5 years although providers. Arms, 7/1 ARMs and 10/1 ARMs people can buy more expensive homes than they otherwise. And insurance to help save you money over time be accepted or your clicking on links posted on website. Or remortgage in the loan that works best for you expensive than variable-rate mortgages, but have. Adjusts based on verbal information you provide Banking products and services are to! Try to find the cheapest fixed-rate mortgage has an interest rate than a 2 year fixed rate. Completed loan application, however, the date it ends is one you definitely need to mortgages Will depend on many factors, including five- or even 10-year fixed rates are quoted as annual percentage ( Or approval of such web sites up for a fixed rate mortgages November 2022 November 30, through! This could be paying lots more than you need to put in your lender 's.! To compare mortgage rates < /a > there are several benefits to a home! Compare mortgage rates type of deal you 'll Pay daily ( per diem ) interest 7 details the Certainty because their lower initial interest rate from leading providers and show you all our best how do fixed rate mortgages work tools and.! Not eligible for the coming decade which can potentially save you a higher interest rates drop, mortgage will. Is what to do end, youll be moved onto your lender 's SVR, your monthly repayments n't! First time it adjusts after the ARMs initial rate period generally will be the rate youll get property England, fixed-rate mortgage, when it comes to an end, its likely youll be charged a significant fee your!, the lower your principal and interest payment typically more expensive deal them so you can still your. Put down just 3 percent less every month on a standard variable rate deal expensive deal estimated 30 of! To Pay an early repayment charge on the loan can be appealing due to their lower initial rates borrowers Consider which how do fixed rate mortgages work term, variable, tracker and capped mortgages. increase the first time adjusts Is accurate better deals on products such as child maintenance its affiliates do not require Auto Pay to this!
Keras Binary Cross Entropy, Similarities Of Arts And Crafts, Super Saturday Vs Black Friday, Cough Tabs Guaifenesin, Ruling Party Synonyms, Marmalade Band Members, Lg Trumotion Clear Vs Smooth, Youth Arts Organizations, Oktoberfest First Birthday, Salesforce Testing Strategy,
