Mortgage Problems And The Myth Of Foreclosure Help

by YuA7sh8g ~ August 18th, 2019

By Charles Essmeier

For a number of reasons, the rate of home foreclosures is rising in the United States. In fact, the rate is up some 70% over a year ago. Part of this is due to rising interest rates that are making payments unaffordable to homeowners who bought their homes three or four years ago with adjustable rate mortgages. Many of these mortgages were set to adjust after three years, and the resulting increases in payments have left the homes unaffordable for their owners. With little recourse, thousands of owners have had to walk away from their homes. This unfortunate situation may be avoidable in some cases, particularly if the owners discuss their troubles with their lenders. Instead, many owners have answered ads posted by companies offering “foreclosure help”, hoping to find a way to keep their houses despite their financial troubles. In many cases, the owners not only fail to get the help they need, but they often end up literally giving their houses away to the companies they thought would help them keep them.

The scam is a common one that takes advantage of people in desperate situations. Mortgage companies that intend to foreclose on delinquent customers file notice with the counties in which the homeowner resides. The county posts those notices and investors make note of the addresses. With a bit of research, they determine the value of the property and the amount owed on the mortgage. The investors seek properties with large amounts of equity. They then approach the owner with an offer to “help” them with their financial troubles. The offers vary, but the deal usually involves an offer to make good on the delinquent amounts while renting the home back to the owner for a set period of time. At the conclusion of that time period, the investors say they will offer the owner-turned-tenant the opportunity to repay and take their home back. For desperate homeowners who want to keep their houses, these offers seem like a Godsend.

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Unfortunately, the deals rarely work out to the benefit of the owner. More often than not the paperwork provided with the offer includes a quitclaim deed, which, once signed by the owner, essentially gives the property to the investor. The investor, now the owner of the property, then demands an unreasonable amount of rent from the owner-turned-tenant. When he or she cannot pay, the investor evicts the tenant and sells the house, pocketing the profits. In some cases, investors have pocketed several hundred thousand dollars from a single property, all for the minimum investment of a few months’ of delinquent mortgage payments. The former owner is left with nothing.

Some states, such as Minnesota, have passed laws that severely restrict this practice, but others, such as Florida, have so far been unable to overcome large opposition from business interests. In the states with few restrictions, flyers offering foreclosure help can be found on telephone poles in just about every city. Unfortunately for homeowners who have financial trouble, the last thing they will receive if they respond to these flyers is help. Homeowners who are in financial trouble should call their lender first. The last thing lenders want to do is foreclose, so buyers would be better off calling their lender rather than trusting their home to a stranger who advertises on telephone poles.

About the Author: Copyright 2006 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including

HomeEquityHelp.net

, a site devoted to information regarding home equity loans, mortgages and lines of credit.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=60157&ca=Finances

Dog laws strengthened in Virginia county

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Dog laws strengthened in Virginia county
by YuA7sh8g ~ August 18th, 2019

Thursday, May 12, 2005

Amid publicity that arose from deaths and injuries due to dog attacks in the region, the Spotsylvania County Board of Supervisors voted unanimously to impose tougher penalties on dog owners who let their dogs run free. After a public hearing Tuesday evening, the board voted for a new animal control ordinance. Now dog owners who are repeat offenders face a misdemeanor crime of $2,500 or up to a year in jail.

Dogs that repeatedly chase cars and run free, or otherwise trespass on property, could be euthanized if so ordered by a judge. A dog that is “roaming, running or self-hunting off the property or premises of its owner or custodian and not under the immediate control of the owner or custodian or his agent,” meets the county’s legal definition of a dog running at large.

The mauling death of an elderly woman by 3 Pit Bulls in her front yard sparked a public debate on animal control. At the hearing, State Senator Edward Houke said he would raise dog law issues in the January meeting of the Virginia General Assembly. According to The Free Lance Star, Houke said, “It’s pretty obvious to me that the state law needs to be changed, but saying that and it happening, is two completely different phenomena. If there’s one thing you learn quickly it’s that you don’t bring dog bills to the Virginia General Assembly.”

The Sullivan daughters, who lost their mother in the mauling attack, circulated petitions in the county and also attended the hearing. Board chairman Robert Hagan noted the Sullivan family presence and thanked them for their efforts to prevent more tragedies.

Cambodian lawmaker calls for ASEAN website to be blocked over missing land

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Cambodian lawmaker calls for ASEAN website to be blocked over missing land
by YuA7sh8g ~ August 18th, 2019

Saturday, June 2, 2007

Thirty-five square kilometers, or 13.5135755 square miles, or 3,500 hectares or 8,648.68835 acres.

However you figure it, it’s a sizeable chunk of land.

And it’s missing from Cambodia on the website for the Association of Southeast Asian Nations, or ASEAN, a 10-member regional body of which Cambodia is a member.

The apparent rounding down of Cambodia’s territory, 181,035 square kilometers, on the ASEAN website, has some Cambodian lawmakers up in arms.

Parliamentarian Keo Remy, a member of the opposition Sam Rainsy Party, is calling for the ASEAN website to be blocked by Cambodia’s Ministry of Posts and Telecommunications if the number is not corrected.

“We know that Cambodia has border disputes with its neighbors, and Khmer citizens are paying attention on these issues. We cannot accept such incorrect points. The most important thing is that the government should close this web site,” Keo was quoted as saying by the Khmer-language daily newspaper Kampuchea Thmey.

Though Keo acknowledged the error could be an honest, if careless, mistake, he said it could mean something more sinister – that ASEAN is trying to undermine Cambodia’s sovereignty, and that perhaps ASEAN is working for neighboring nations. It could even be treasonous, he said.

“If it was intentional and perpetrated by a Cambodian, this is treason. It is like not knowing your own parents,” Keo was quoted as saying by Deutsche Presse-Agentur.

Other lawmakers also called on the Cambodian government to take action.

“The royal government must react urgently, especially the Ministry of Foreign Affairs and International Cooperation,” Monh Saphan, a Funcinpec parliamentarian was quoted as saying by Kampuchea Thmey. “The website [must] be corrected, because it affects the territorial integrity of the Kingdom of Cambodia.”

And non-governmental organization leaders weighed in.

“The state’s figure is more important and appropriate than figures of other organizations. Therefore, we should urge the government to check this issue,” Seng Theary, executive director of the Center for Social Development, told Kampucha Thmey. “We also wonder where ASEAN got this figure.”

Kek Galabru, president of the Cambodian League for the Promotion and Defense of Human Rights, said that incorrect figure is most likely a mistake, but said the government should investigate it. “Otherwise a small problem might turn into a bigger issue,” she said.

Government spokesman and Information Minister Khieu Kanharith said he would investigate, and called for cooler heads in the meantime.

Border disputes are a hot-button political issue in Cambodia, which has some long-standing unresolved boundary conflicts with neighbors Thailand and Vietnam.

Cambodia joined ASEAN in 1999, the last country to gain admittance to the regional geo-political and economic body for Southeast Asia. It was founded in 1967 by Indonesia, Malaysia, the Philippines, Singapore and Thailand. Other members are Brunei, Laos, Myanmar and Vietnam.

Governor of Illinois arrested on suspicion of corruption

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Governor of Illinois arrested on suspicion of corruption
by YuA7sh8g ~ August 11th, 2019

Tuesday, December 9, 2008

The Democratic governor of Illinois in the United States, Rod Blagojevich, 51, along with his chief of staff John Harris, 46, were arrested Tuesday morning by the FBI on federal corruption charges.

The Chicago Tribune reports that federal agents raided Blagojevich’s home this morning and took him into federal custody. The arrest comes after a three-year investigation into Blagojevich’s “pay-to-play politics.”

Specifically, the Department of Justice alleged that Blagojevich attempted to sell the Senate seat previously held by President-elect Barack Obama. Blagojevich, as governor, has the sole authority to appoint someone to complete Obama’s term. Authorities believe the process to select a new senator was tainted after authorities secretly recorded several of Blagojevich’s conversations. They believe that he was attempting to sell the seat in exchange for financial benefit for himself and his wife.

Documents from the FBI and from U.S. attorney Patrick Fitzgerald identify the people whom Blagojevich was considering as Senate Candidates 1, 2, 3, 4, and 5. According to Fitzgerald’s press release, Blagojevich told an advisor that he wanted to “get some (money) up front, maybe.”

In Illinois, a new state ethics law will take effect on January 1, 2009, so Blagojevich was trying to embezzle as much money as he could before that date, said Fitzgerald.

Authorities also believe that Blagojevich was trying to withhold state financial assistance from the owner of the Tribune, the Tribune Company, which recently filed for bankruptcy protection. They allege he was trying to get members of the editorial board of the Chicago Tribune fired by threatening to complicate the sale of Wrigley Field by Tribune Company.

On December 8, Blagojevich responded to the reports that federal authorities had wiretapped his phone conversations, saying that “I should say if anybody wants to tape my conversations, go right ahead, feel free to do it. I can tell you that whatever I say is always lawful and the things I’m interested in are always lawful.”

If convicted, Blagojevich could face up to 30 years in prison and $500,000 in fines.

This is not the first time in Illinois history that a governor has been arrested for corruption charges. In 2006, George Ryan was indicted and is now serving a 6½-year prison term.

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Messi scores hat-trick as Barça become table toppers

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Messi scores hat-trick as Barça become table toppers
by YuA7sh8g ~ August 4th, 2019

Sunday, January 10, 2016

Yesterday, FC Barcelona collected three points defeating Granada-based football club Granada CF 4–0 at Camp Nou in Barcelona in a La Liga match and became league leaders again.

Barcelona had greater ball possession. The match saw five yellow cards. Four away players and Aleix Vidal of Barcelona were yellow carded. More than thirty fouls were committed in the match. Lionel Messi scored the first goal of the match in the 8th minute, assisted by debutant Arda Turan. Minutes later, Uruguayan Luis Suárez assisted Messi and he netted the second goal in the 14th minute. Rubén Rochina was the first player to be booked in the 29th minute. First half ended in 2–0 with one yellow card shown.

I’m very satisfied with how the team played.

In the second half Edgar Méndez and David Lombán of Granada were booked in 56th and 57th minute. In the next minute, Sergi Roberto assisted Brazilian Neymar whose try to net a goal was saved, but the ball deflected and Messi scored the third goal of the match, completing his hat-trick.

Dória was yellow carded at the 60th minute. Three minuted later, Aleix Vidal was yellow carded for a bad foul. Neymar, in the 83rd minute, scored the fourth goal of the match assisted by Suárez.

After the match, Barcelona manager Luis Enrique said “I’m very satisfied with how the team played. Everybody was focused from the beginning and the players knew how important it was to win these three points.”

Also yesterday Zinedine Zidane, recently appointed Real Madrid’s new manager, secured a 5–0 win against Deportivo with Welsh winger Gareth Bale scoring a hat-trick as well.


January 9, 2016
FC Barcelona 4–0 Granada CF Camp Nou, Barcelona Attendance: 70,720 Referee: Carlos Velasco Carballo, Spain
8′ Lionel Messi 14′ Lionel Messi 58′ Lionel Messi 83′ Neymar 63′ Aleix Vidal (2–0) HT 29′ Rubén Rochina 56′ Edgar Méndez 57′ David Lombán 60′ Doria

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Creator of G.I. Joe action figure to create a line of Bible-themed toys

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Creator of G.I. Joe action figure to create a line of Bible-themed toys
by YuA7sh8g ~ July 27th, 2019

Tuesday, May 15, 2007

According to the Christian Post, Don Levine, the creator of the G.I. Joe, will be creating a line of action figures based on characters from the Old Testament. Released this month are action figures of Samson, David, Noah, Moses, and dolls of Queen Esther and Deborah the Warrior. The toys come with their own Bible storybook. By the fall, the line will expand to 35 products. Levine has began developing a DVD series and television show.

While certainly not the first action figures, dolls, or animated programs based on Biblical characters, it is perhaps the first to launch with a full-fledged licensing program. Already a comic book, narrated CDs, wallet, flashing pins, dog tags, and necklaces have been released.

Levine created G.I. Joe for Mattel in 1963, after a licensing agent suggested soldier figures might have the same success as their Barbie line.

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2008 Taipei International Book Exhibition: Varied features at Kid Book Hall

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2008 Taipei International Book Exhibition: Varied features at Kid Book Hall
by YuA7sh8g ~ July 5th, 2019

Friday, February 15, 2008

Following the first day’s events at the 2008 Taipei International Book Exhibition (TIBE), organisers used today as an opportunity for a number of autograph sessions, the announcement of awards and a focus on the Taipei World Trade Center‘s Hall 3 where children’s activities and seminars were being held.

The Kids’ Book Hall, which was created with cooperation from the Regional Association of Educational Materials, saw a new addition this year in the form of the “Taiwan Stationery” pavilion. The display included a variety of paper products not only for children, but for small-business and general usage.

In order to promote some conceptions on environment and recycling, Yuen Foong Yu Paper Mfg. Co. Ltd. sponsored the exhibition with recycled poster container and corrugated-fiberboard, which was used to design several nature scenes, and the material will be reusable in the future.

Participants also held several seminars at TWTC Hall 1 for reading population promotion, for example, a Taiwanese version of a famous magazine named “Kagakuru”. Aimed at science education, imported by Taiwan Mac Education, and promoted by several academic professionals in Taiwan, the magazine will be released on March 3, 2008.

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New Beta Version of MSN Search Service from Microsoft released

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New Beta Version of MSN Search Service from Microsoft released
by YuA7sh8g ~ July 3rd, 2019

Thursday, November 11, 2004

REDMOND, WashingtonMicrosoft has released the new MSN Search service. According to Microsoft press release, the new MSN Search offers the largest, up to date selection of information and a new class of search tools, reducing time and effort required by users to find information.

Some major characteristics of the new MSN Search service include: up to date information, direct answers, direct actions, content specific searching, Search Near Me feature (results tailored geographically), Search Builder (the user can customize search results by defining search criteria).

The global beta version of MSN Search is available here.

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Wikinews interviews U.S. Green Party presidential candidate Cynthia McKinney

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Wikinews interviews U.S. Green Party presidential candidate Cynthia McKinney
by YuA7sh8g ~ June 28th, 2019

Friday, March 7, 2008

Wikinews held an exclusive interview with Cynthia McKinney, one of the candidates for the Green Party nomination for the 2008 U.S. presidential election.

McKinney is a former Democratic Congresswoman from Georgia. She was first elected to the House of Representatives in 1992 and held her seat for ten years until being defeated by Denise Majette in 2002. She was the first ever African American woman from her state to be elected to Congress.

We asked her why she made the recent switch to the Green Party. She replied, “Due to the importance of environmental issues, Green issues are the issues of today. The Ten Key Values ofthe Green Party stress us getting along with each other in harmony with the planet that gives us life.”

When asked about how she would handle Iraq she replied, “I would instruct the Joint Chiefs to draw up a plan for the orderly withdrawal of all U.S. troops from the country. I would dismantle our military bases in the area, and I would also demand that U.S. andother international corporations relinquish any claims to Iraqi oil orother resources and withdraw as well.”

McKinney is running for president because, basically, she thinks that “it’s time that the people win”.

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An Analysis Of New Designer Kitchens

by YuA7sh8g ~ June 28th, 2019

More Detail Here:

Submitted by: Edward Coletti

There is nothing that can be classified as classical in the kitchens these days. A design consultant who has operated his own company since 1978, and who began installing cabinets since 1976 says that people have their own ideas on what they want to see in a kitchen.

No predictions can be made about this business. With time it is not only the cabinet setting of the kitchen that has seen a change but even the kitchens itself now are a complete mirror into what person is really like and how he lives. To be able to search for new ideas is their aim at the present he said, though the company is quite new yet.

He has spent about 15 years in this profession and during this time he has not lost much time and taken up various courses in designing and seminars. One rule that he never misses telling his clients is this. If you want to be able to get the best then you must ensure that you must not hurry into purchases and you will need to know what is the best available.

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Buying fittings or your house without even knowing the available choice is quite foolish. To know what the client wants is most important. A design consultant will be able to work better when he know what the exact needs of the family.

To be able to get all his information all he has to do is speak with his customers. After listening to their ideas he tries to show them what his ideas are. His briefing kick starts with the discussion of the budget.

He said that if one was looking to spend less but wanted quality, the cash and carry was the best option. The quality of the drawer runners and hinges can be considered equal to that of the finest cabinets. Quality is now something that the customers are able to check and they are also able to judge the price. Their kitchens are filled with cabinets, electrical appliances, large and small, dishwashers, compactors, and other gadgets.

Everything depends on what you want. Same is the case with the costs. There are two types one is based on whether you are doing it yourself and one is based on whether someone else is doing it for you. The retails hope to attract customers by acquiring huge lots of cash and carry kitchens but they are not able to get too much of variety in it. They also do not have many colors to choose from. They are the true modular kitchen cabinet concept.

This consultant itself is going around changing the fittings he made when he got into the business because by now the trends have changed and so have the homes. In this day and age where customer is definitely king, it is very important to know the tastes of the customers in the field of kitchens. This can be known through market surveys.

About the Author: More information on the topic of home improvement is located at

homeimprovementpages.com.au/find/kitchen_renovations

for kitchen.Visit

homeimprovementpages.com.au/find/bathroom_renovations

for bathrooms to learn more about home improvement.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=721978&ca=Home+Management

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