In Edmund Spenser's 'The Faerie Queene', Books 11 and 111 The Bower of Bliss and the Garden of Adonis might look similar from a distance; their geographical form is certainly similar, and the tour on which Spenser takes us seems to follow the same kind of route. But their ostensible similarity, and their juxtaposition in two adjacent books of 'The Faerie Queene' only serve to highlight their differences. The two gardens represent very different qualities of human life, and Spenser indicates the differences visually in his description of the gardens, verbally in the words he uses in these descriptions, and dramatically in the kinds of activity that take place in the gardens.
The first distinction to be made is between the proportion of Art to Nature that has gone into the construction of the gardens. The 'Bowre of Blisse' is introduced as:
'A place pickt out by choice of best alive,
That natures worke by art can imitate:' [11.X11.42]
Art itself is not condemned, but the use of art to stimulate wasteful unproductive lust. The artifice of the garden is admired for its skill, but condemned for being used to excess.
'And them amongst, some were of burnisht gold,
So made by art, to beautifie the rest,
. . . That the weake bowes, with so rich load opprest,
Did bow adowne, as over-burdened.' [11.X11.55]
The image of the vine bending under the weight of golden grapes illustrates how nature is distorted by artifice, just as human nature is distorted by entering the Bower of Bliss. Spenser's description of the golden ivy seems to anticipate Baroque sculpture and architecture in that it is more than an imitation of nature; it tries to supersede nature by exaggerating the most pleasing aspects. The result is an excess of sweetness to the point of sickliness. The stimulation of pleasurable sensations is almost pornographic, and Spenser ensures that we get the message by the use of the words 'lascivious' and 'wantones'.
'And over all, of purest gold was spred,
A trayle of yvie in his native hew:
For the rich mettall was so colored,
That wight, who did not well avis'd it view,
Would surely deeme it to be yvie trew:
Low his lascivious armes adown did creepe,
That themselves dipping in the silver dew,
Their fleecy flowres they tenderly did steepe,
Which drops of Christall seemed for wantones to weepe.' [11.X11.61]
A modern reader might not pick up the quality of excess implied in this description, but in fact Spenser takes pains to point out the excess. Art in the Bower of Bliss
'Was poured forth with plentifull dispence,
And made there to abound with lavish affluence.' [11.X11.42]
'Wherewith her mother Art, as halfe in scorne
Of niggard Nature, like a pompous bride
Did decke her, and too lavishly adorn' [11.X11.50]
The emphasis on excess is of course most relevant to the theme of Book 11: Temperance.
In contrast to the lavish glittering spectacle of the 'Bowre of Blisse', The 'Gardin of Adonis' comprises of natural goodness. 'It sited was in fruitfull soyle of old' [111.V1.31] and:
'In that same Gardin all the goodly flowres,
Wherewith dame Nature doth her beautifie,
And decks the girlonds of her paramoures,
Are fetcht:' [111.V1.30]
The arbour is 'of the trees owne inclination made' [111.V1.44]. This garden is free of artifice, and in emphasising its natural perfection Spenser likens it to Ovid's golden world:
'Ne needs there Gardiner to set, or sow,
To plant or prune: for of their owne accord
All things, as they created were, doe grow' [111.V1.34]
The quality of life represented by the Garden of Adonis is represented by 'Genius' who guards its gates. The Bower of Bliss was also guarded by a 'Genius', but not the real one. In keeping with another of Spenser's themes, appearance versus reality, the Genius of the Bower of Bliss is a fake
'That secretly doth us procure to fall,
Through guilefull semblaunts' [11.X11.48]
The Genius of the Garden of Adonis guards the gate through which old people enter and young babies leave, and the cycle of regeneration being represented has the same seemingly-paradoxical combination of transience and permanence as Spenser's Mutability Cantos [4]. The paradox is resolved by Platonism. While Time is the enemy of life in the garden:
'For all that lives, is subject to that law:
All things decay in time, and to their end to draw.' [111.V1.40]
It seems that the people, or perhaps just their souls, are recycled from old age to babyhood. And Adonis himself:
'All be he subject to mortalitie,
Yet is eterne in mutabilitie,
And by succession made perpetuall' [111.V1.47]
This is the same conclusion Spenser comes to at the end of the Mutability Cantos:
'I well consider all that ye have sayd,
And find that all things stedfastnes doe hate,
And changed be: yet being rightly wayd
They are not changed from their first estate;
But by their change their being doe dilate:
And turning to themselves at length againe,
Doe worke their owne perfection so by fate:' [V11.V11.58]
The garden is an allegory for the Platonic life-principle expounded in verses 36 to 38 of the Garden of Adonis where changeless 'things' or 'substance' borrow temporary physical form during life, decay, and are restored again.
In 'sublunary' terms this represents the fruitfulness of earthly life and the principle behind the 'mightie word . . . increase and multiply' [111.V1.34]. The Garden of Adonis is first and foremost, fruitful. The garden itself is a kind of storehouse for the various forms of life:
'. . . there is the first seminarie
Of all things, that are borne to live and die' [111.V1.30]
And its resident lovers, Cupid and Psyche, bear a child. Spenser approves of the pleasure indulged in in this garden, because it takes place between people who are enjoying natural healthy love:
'But now in steadfast love and happy state
She with him lives, and hath him borne a chyld' [111.V1.50]
In contrast, the pleasures to be had in the Bower of Bliss are thoroughly disapproved of. Even the word 'bliss' itself implies an extreme and transitory sensation compared to 'steadfast love and happy state' of the Garden of Adonis. The lovers of the Bower of Bliss are indulging in 'lewd loves, and wastfull luxuree' [11.X11.80]. They indulge in sex for its own sake, with no love, and no intention of procreation. This kind of activity, according to Spenser, saps the spirit and will-power of a knight, and causes him to lose interest in his true quest.
'Ne for them [his armour] ne for honour cared hee
Ne ought, that did to his advancement tend,
But in lewd loves, and wastfull luxuree,
His dayes, his goods, his bodie he did spend:
O horrible enchantment that him so did blend.' [11.X11.80]
The word 'enchantment' is important here; the queen of the garden is an enchantress with the power to turn men into pigs, and by implication a mind attracted by lust is a mind under a kind of spell. As with the golden ivy, it takes a man of insight and experience to see through the superficial attractions to the underlying depravity.
'That wight, who did not well avis'd it view,
Would surely deeme it to be yvie trew:' [11.X11.61]
Guyon himself becomes enchanted by the sight of the 'naked Damzelles' bathing. This long description [11.X11.63-68] is extremely attractive; it is designed to arouse feelings of lust in the reader or listeners. Spenser's 'warning words' such as 'greedy eyes', 'kindled lust' and the all-important 'seemed' [11.X11.64,68,65] are few and far between, but they are there, warning the reader of the danger Guyon is in. This is part of Guyon's education into temperance. The Palmer drags him away.
'He much rebukt those wandring eyes of his,
And counseld well, him forward thence did draw.' [11.X11.69]
But not all the pleasures to be had in the Bower of Bliss are tainted with artifice. The 'lovely lay' sung in verse 75 simply advocates enjoying life while it lasts:
'So passeth, in the passing of a day,
Of mortall life the leafe, the bud, the flowre,
Ne more doth flourish after first decay,
That earst was sought to decke both bed and bowre,
Of many a Ladie, and many a Paramowre:
Gather therefore the Rose, whilest yet is prime,
For soone comes age, that will her pride deflowre:
Gather the Rose of love, whilest yet is time' [11.X11.74]
Thursday, May 31, 2012
Tuesday, May 29, 2012
Business Loans And Interest Rates: Understanding The Basics
Although financial experts have declared an official end to the recession; the economy is far from out of the woods and as a result; banks are continuing to restrain their loan lending, tighten their requirements and reject a large proportion of loan applications particularly from the small and medium businesses.
As the economy continues to remain trapped in financial struggle; the small and medium business owner is viewed as far too much of a financial risk and as a result, obtaining the ideal and much needed commercial finance lending can be viewed as far too difficult but is all hope actually lost?
Business loans have always been difficult to obtain however, in today's economy the independent lender and in particular the commercial mortgage broker has shone through to provide the ideal business lending whatever the situation may be.
A commercial mortgage is deemed the most popular form of business lending and can help a new or existing company to procure the ideal commercial property. As a long term financial agreement; a commercial mortgage can last for up to twenty five years and is made available at a fixed rate to enable steady cash flow issues. By providing sufficient personal and business income details, business financial agreements, projections and cash flow documentation a specialist broker will determine your loan credibility and whether such a long term agreement is the best option. If agreed, a commercial mortgage can be the ideal form of business finance, enabling the success of business and what's more is that, as a form of long term finance interest rates are often relatively low.
For those businesses in need of urgent financial aid whether to assist with a debt issue, cash flow problems or perhaps even to secure a deal or the purchase of a new property; a bridging loan is considered the ideal, short term solution.
As a form of short term lending, a bridging loan can often be secured within a matter of days, exact amounts that can be borrowed under such terms will of course be dependent upon lenders. As a short term agreement, often borrowed between one to twelve months; a bridging loan is considered as high risk and thus the application will be an intense procedure and equity to secure the loan will be required. As such a short term, risky loan the interest rates of a bridging loan will be undoubtedly high.
Despite the continuing loan rejection amongst banks; the commercial mortgage broker is able to assist, whether you have been previously rejected or not, in finding the right business loan for you. As an independent company; brokers are not driven by the hard commission based structure of banks but in fact effectively work for the benefit of a business meaning that, long term success will always be taking into account when determining financial solutions.
The commercial mortgage and bridging loan are just two examples of business finance however, bear in mind that whichever option you select for your business; interest rates will vary depending on the borrowed sum and agreement length. Ensure to discuss all available options and interest rates before you agree to anything or you could find yourself facing risky, fluctuating payments.
As the economy continues to remain trapped in financial struggle; the small and medium business owner is viewed as far too much of a financial risk and as a result, obtaining the ideal and much needed commercial finance lending can be viewed as far too difficult but is all hope actually lost?
Business loans have always been difficult to obtain however, in today's economy the independent lender and in particular the commercial mortgage broker has shone through to provide the ideal business lending whatever the situation may be.
A commercial mortgage is deemed the most popular form of business lending and can help a new or existing company to procure the ideal commercial property. As a long term financial agreement; a commercial mortgage can last for up to twenty five years and is made available at a fixed rate to enable steady cash flow issues. By providing sufficient personal and business income details, business financial agreements, projections and cash flow documentation a specialist broker will determine your loan credibility and whether such a long term agreement is the best option. If agreed, a commercial mortgage can be the ideal form of business finance, enabling the success of business and what's more is that, as a form of long term finance interest rates are often relatively low.
For those businesses in need of urgent financial aid whether to assist with a debt issue, cash flow problems or perhaps even to secure a deal or the purchase of a new property; a bridging loan is considered the ideal, short term solution.
As a form of short term lending, a bridging loan can often be secured within a matter of days, exact amounts that can be borrowed under such terms will of course be dependent upon lenders. As a short term agreement, often borrowed between one to twelve months; a bridging loan is considered as high risk and thus the application will be an intense procedure and equity to secure the loan will be required. As such a short term, risky loan the interest rates of a bridging loan will be undoubtedly high.
Despite the continuing loan rejection amongst banks; the commercial mortgage broker is able to assist, whether you have been previously rejected or not, in finding the right business loan for you. As an independent company; brokers are not driven by the hard commission based structure of banks but in fact effectively work for the benefit of a business meaning that, long term success will always be taking into account when determining financial solutions.
The commercial mortgage and bridging loan are just two examples of business finance however, bear in mind that whichever option you select for your business; interest rates will vary depending on the borrowed sum and agreement length. Ensure to discuss all available options and interest rates before you agree to anything or you could find yourself facing risky, fluctuating payments.
Monday, May 28, 2012
Steps To Hire The Best Home Builder
Whether you like to build your own home or want stay on rent, this is an age-old debate. A good majority of people find own home suitable for spending life peacefully and happily. They neither want any interruption of land lords in their personal life nor want to spend their hard-earned money on rent. Of course, your choice is also that but you find hard to build a new home.
The first thing is money. Making home is not a child's play. It requires hefty amount. If you don't have enough money, you certainly knock doors of banks for getting a home loan. Although, you somehow manage to get loan but the next problem is hiring a builder.
Hire a Builder
Admiring the architecture and style of a home may inspire you to know the builder name. But your propriety is to look at the builder who able to meet your demands. It's good to plan you would be home with your family members because they are going to live with you in your dream home. Also, don't forget to keep your estimate in mind. If you have a land, it is sure that you are looking for the builder specializes in single-family or high-end homes. It is a custom builder who will help you give a real shape of your dream home. A professional custom builder is expert in build up to 25 homes in a year.
Looking for an expert professional home builder is in your hands. Take your time to know the builder qualification, license and many crucial things so that your new home construction will go in full swing. Use several measures to know the work experience of your builder. If you like a home architecture, it's better to know the builder name behind this beautiful creation. There are different parameters to hire the best builder for your home building project.
The traditional way is to look for the home builder is to knock on the doors of current homeowners to know their builder names, address and phone number.
You can ask your friends and colleagues for referrals. They may help you get the best builder. Also, you can take help from Yellow Pages.
Being a busy person, you will probably have time to go with the traditional ways. It's better to take help from the internet where your one search is enough to find hundreds of builders in your area.
A well-reputed builder doesn't hide his work experience and other specifics. The builder is free to tell you about license. If you have any doubt, you can clear with him through the site live chat support or from the given phone number.
During your selection, it's better to get at least 3 competitive bids. Compare them with their work experiences and license. Some builders provide the completion date warranty. If your selected builder provides that warranty, don't forget to ask some important questions like:
* Numbers of employees and homes under his construction
The question will help you know how much personal attention of builder will get your home.
* How long will the construction work go?
The question will help you for further planning like home furnishing.
* Has the contractor been sued?
The answer of the question is difficult for a contractor but a well-reputed can clear you with that.
* Warranty coverage
* License
These things will help you to get the best builder. If you have desire to know more about builders and want to get exceptional services of builders, you can go for www.justindoylehomes.com.
The first thing is money. Making home is not a child's play. It requires hefty amount. If you don't have enough money, you certainly knock doors of banks for getting a home loan. Although, you somehow manage to get loan but the next problem is hiring a builder.
Hire a Builder
Admiring the architecture and style of a home may inspire you to know the builder name. But your propriety is to look at the builder who able to meet your demands. It's good to plan you would be home with your family members because they are going to live with you in your dream home. Also, don't forget to keep your estimate in mind. If you have a land, it is sure that you are looking for the builder specializes in single-family or high-end homes. It is a custom builder who will help you give a real shape of your dream home. A professional custom builder is expert in build up to 25 homes in a year.
Looking for an expert professional home builder is in your hands. Take your time to know the builder qualification, license and many crucial things so that your new home construction will go in full swing. Use several measures to know the work experience of your builder. If you like a home architecture, it's better to know the builder name behind this beautiful creation. There are different parameters to hire the best builder for your home building project.
The traditional way is to look for the home builder is to knock on the doors of current homeowners to know their builder names, address and phone number.
You can ask your friends and colleagues for referrals. They may help you get the best builder. Also, you can take help from Yellow Pages.
Being a busy person, you will probably have time to go with the traditional ways. It's better to take help from the internet where your one search is enough to find hundreds of builders in your area.
A well-reputed builder doesn't hide his work experience and other specifics. The builder is free to tell you about license. If you have any doubt, you can clear with him through the site live chat support or from the given phone number.
During your selection, it's better to get at least 3 competitive bids. Compare them with their work experiences and license. Some builders provide the completion date warranty. If your selected builder provides that warranty, don't forget to ask some important questions like:
* Numbers of employees and homes under his construction
The question will help you know how much personal attention of builder will get your home.
* How long will the construction work go?
The question will help you for further planning like home furnishing.
* Has the contractor been sued?
The answer of the question is difficult for a contractor but a well-reputed can clear you with that.
* Warranty coverage
* License
These things will help you to get the best builder. If you have desire to know more about builders and want to get exceptional services of builders, you can go for www.justindoylehomes.com.
Sunday, May 27, 2012
Make a Good Career with Real Estate Courses Canada
A real estate business is very profitable for those who are trained enough and know the tricks of the trade. Agents who want to be successful and make their position count in this area go for real estate training. Real estate agents are the ones who bag huge commission when any deal is finalized. These types of courses make the real estate agents have an edge above other agents that are in the field without any practical knowledge. The trade of real estate is at its peak in Canada with investors ready to invest their money on luxurious estates. In Canada, people deal seriously in properties and for this they also spend a good amount of money seeking advice of the expert real estate agents. This has led to the emergence of houses and institutes that provide excellent real estate courses Canada to the aspiring agents and brokers who want to make it big.
Searching for the perfect home sometimes becomes very difficult. A home is a place that cannot be changed frequently. This is the reason why people try with tooth and nail to get the best home where they can live forever in peace. Real estate courses make one learn the right skills and basic knowledge on how to go about helping people find their dream house. A person who is hard working and is looking for flourishing his career real estate training will be the best platform. Since buying and purchasing of properties also involves law in it, the real estate courses Canada provides thorough knowledge and information about the common disputes that may arise during the transaction of properties and their documents.
Owning a business and managing it is not an easy task. It requires a number of skills. Real estate courses make the aspiring real estate agent competent enough to run his own business and compete with others in the market. There are a number of institutes in Canada that offer excellent courses with certificates too. One can also go for online real estate courses in order to save time and pursue the certificate in less time. In order to take admission in such courses one has to qualify in a number of criteria.
In order to qualify for the course a person must-
-Be 19 years of age or above
-Have a diploma of High school or
-Any equivalent certificate
-Pass state exam
-have a certificate of an approved Course
Good real estate training provides a complete knowledge about the transactions made and how everything works related to properties. Ownership transfer, calculations and real estate law are the three major criteria that form the base of the training course. People who are aspiring to be real estate agents and establish their career must go for such courses. In Canada, good platform for agents are provided right after the completion of their real estate courses Canada. Canada has some very good real estate agents that provide assistance in buying and selling of the properties without any hassle.
Searching for the perfect home sometimes becomes very difficult. A home is a place that cannot be changed frequently. This is the reason why people try with tooth and nail to get the best home where they can live forever in peace. Real estate courses make one learn the right skills and basic knowledge on how to go about helping people find their dream house. A person who is hard working and is looking for flourishing his career real estate training will be the best platform. Since buying and purchasing of properties also involves law in it, the real estate courses Canada provides thorough knowledge and information about the common disputes that may arise during the transaction of properties and their documents.
Owning a business and managing it is not an easy task. It requires a number of skills. Real estate courses make the aspiring real estate agent competent enough to run his own business and compete with others in the market. There are a number of institutes in Canada that offer excellent courses with certificates too. One can also go for online real estate courses in order to save time and pursue the certificate in less time. In order to take admission in such courses one has to qualify in a number of criteria.
In order to qualify for the course a person must-
-Be 19 years of age or above
-Have a diploma of High school or
-Any equivalent certificate
-Pass state exam
-have a certificate of an approved Course
Good real estate training provides a complete knowledge about the transactions made and how everything works related to properties. Ownership transfer, calculations and real estate law are the three major criteria that form the base of the training course. People who are aspiring to be real estate agents and establish their career must go for such courses. In Canada, good platform for agents are provided right after the completion of their real estate courses Canada. Canada has some very good real estate agents that provide assistance in buying and selling of the properties without any hassle.
Friday, May 25, 2012
Plan The Work . . . Work The Plan
Introduction
Zig Ziglar:
You need a plan to build a house. To build a life, it is even more important to have a plan or goal.
When I came to real estate sales from the safety net of the public school system where life is routine and income guaranteed, I was in for a rude awakening. I knew I was going to be good in sales but I had no idea I'd have to learn how to plan and manage time. Oh, and then there was goal setting and attitude adjustment.
So when I speak with you about having a plan and working the plan, it comes from my real life experiences. The realization came that I had to learn to plan and manage my time or starve; It was sink or swim time. So I learned and became the top real estate producer for a major company in San Diego County.
Not to blow my own horn, I'm just saying you have to know where you're going to be successful.
Zig Ziglar says it well:
If you don't have daily objectives, you qualify as a dreamer.
What is the plan?
Planning is what determines success or failure. You either plan and manage your time or fail.
You must have a master business plan, a yearly plan, a monthly plan, a weekly plan and a daily plan.
The three keys to planning your work and working your plan are:
Time management
Attitude Adjustment
Goal setting and achievement.
The truth is that those who don't plan run in circles - Those who do plan reach their goals. Success and prosperity come to those who prepare and work for it.
Brian Tracy:
You must master your time rather than becoming a slave to the constant flow of events and demands on your time.
Start by finding a quiet place where you will be undisturbed for fifteen to sixty minutes. Sit down and write what it is you're trying to accomplish. Writing down, I want to make money. isn't definite enough. How much money? By when? What are you going to do to make that money? That's planning.
Who bothers with that stuff?
Just about everyone who leads a purposeful successful life:
The Housewife
The Mother
The Sales person
The Online entrepuerner
The Executive
When do you plan?
During the time you scheduled for planning time. Do it daily. Either morning or evening. Or morning and evening this is the best.
Donald Trump:
I'm a busy guy but I set aside quiet time every morning and every evening to keep my equilibrium centered on my own path.
If it's good enough for Donald Trump, it should be good enough for you.
Your plan should include activities to do:
1. Daily
2. Weekly
3. Monthly
4. Yearly
You can use a day timer, a week at a glance, or your computer is loaded with calendar and planning programs, the blackberry and numerous hand-held devices also include planning tools.
In the beginning do it the old-fashioned way. Sit down somewhere that is nice and quiet with a note pad and pencil. This is the best way to think and plan.
Once you've thought your plan through in rough form than use whatever tools you like to put it on paper.
Your plan must be written. Thoughts are simply wishes. A written plan becomes an achievable goal.
There are a zillion formats for business planning. Find one you like;one that is brief and to the point. Write your overall business plan and then narrow it down to the daily, weekly, monthly and yearly activities. Once you take the time to think it through and put it on paper, the rest is easy.
Summary
Once you have the plan, you must work the plan. In metaphysics it's called treat and move the feet.
Learn to include in your plan a time for daily Journaling and Meditation
Napoleon Hill:
When defeat comes, accept it as a signal that your plans are not sound, rebuild those plans, and set sail once more toward your coveted goal.
Plan your work and work your plan
Copyright Wee Dilts 2009
Zig Ziglar:
You need a plan to build a house. To build a life, it is even more important to have a plan or goal.
When I came to real estate sales from the safety net of the public school system where life is routine and income guaranteed, I was in for a rude awakening. I knew I was going to be good in sales but I had no idea I'd have to learn how to plan and manage time. Oh, and then there was goal setting and attitude adjustment.
So when I speak with you about having a plan and working the plan, it comes from my real life experiences. The realization came that I had to learn to plan and manage my time or starve; It was sink or swim time. So I learned and became the top real estate producer for a major company in San Diego County.
Not to blow my own horn, I'm just saying you have to know where you're going to be successful.
Zig Ziglar says it well:
If you don't have daily objectives, you qualify as a dreamer.
What is the plan?
Planning is what determines success or failure. You either plan and manage your time or fail.
You must have a master business plan, a yearly plan, a monthly plan, a weekly plan and a daily plan.
The three keys to planning your work and working your plan are:
Time management
Attitude Adjustment
Goal setting and achievement.
The truth is that those who don't plan run in circles - Those who do plan reach their goals. Success and prosperity come to those who prepare and work for it.
Brian Tracy:
You must master your time rather than becoming a slave to the constant flow of events and demands on your time.
Start by finding a quiet place where you will be undisturbed for fifteen to sixty minutes. Sit down and write what it is you're trying to accomplish. Writing down, I want to make money. isn't definite enough. How much money? By when? What are you going to do to make that money? That's planning.
Who bothers with that stuff?
Just about everyone who leads a purposeful successful life:
The Housewife
The Mother
The Sales person
The Online entrepuerner
The Executive
When do you plan?
During the time you scheduled for planning time. Do it daily. Either morning or evening. Or morning and evening this is the best.
Donald Trump:
I'm a busy guy but I set aside quiet time every morning and every evening to keep my equilibrium centered on my own path.
If it's good enough for Donald Trump, it should be good enough for you.
Your plan should include activities to do:
1. Daily
2. Weekly
3. Monthly
4. Yearly
You can use a day timer, a week at a glance, or your computer is loaded with calendar and planning programs, the blackberry and numerous hand-held devices also include planning tools.
In the beginning do it the old-fashioned way. Sit down somewhere that is nice and quiet with a note pad and pencil. This is the best way to think and plan.
Once you've thought your plan through in rough form than use whatever tools you like to put it on paper.
Your plan must be written. Thoughts are simply wishes. A written plan becomes an achievable goal.
There are a zillion formats for business planning. Find one you like;one that is brief and to the point. Write your overall business plan and then narrow it down to the daily, weekly, monthly and yearly activities. Once you take the time to think it through and put it on paper, the rest is easy.
Summary
Once you have the plan, you must work the plan. In metaphysics it's called treat and move the feet.
Learn to include in your plan a time for daily Journaling and Meditation
Napoleon Hill:
When defeat comes, accept it as a signal that your plans are not sound, rebuild those plans, and set sail once more toward your coveted goal.
Plan your work and work your plan
Copyright Wee Dilts 2009
Wednesday, May 23, 2012
Learn How To Read Penny Stock Market Quotes
The stock market can be can be very intimidating to the novice investor, especially in times of high volatility. Learning the basic skills in penny stock trading, such as how to read stock market quotes is very important. This is because once you have this basic skill, it will be a lot easier and quicker to understand the more complex areas of penny stocks trading. By the time you finish this article, you'll learn how to read stock market charts, especially if you are a beginner in trading.
The first thing to do is to find a good site on the internet where you can find free stock chart. Sites like yahoo finance, google finance, marketwatch.com, stockCharts.com etc. You do not need to register in order to access these free stock charts. The free stock chart helps you to predict the future of a particular penny stock, and have a clear picture of market trends.
The OHLC charts are the common type of free stock charts. OHLC simply means Open, High, Low, Close chart. The OHLC chart is divided into two - the plain vanilla and the candlestick chart. These charts contain the following basic information:
The time frame which could be in months, days, hours, or even minutes.
The high and low values of the period,
The volume story of the stock.
The opening and closing price.
Understanding the stock charts:
1. The volume bar
The volume of the stock is indicated by two vertical lines in the charts. One is at the bottom and the other is located a bit above it. Often there is a line at the lowermost part of the chart that corresponds to the one above. The lower bar is the volume of the stocks at a given point.
2. The High and Low Value Indicator
The bar (vertical) placed on top of the volume bar indicates the low and high values. The top part of the bar is the high value and the bottom part of the bar is the low value.
3. The Open and Close Marker
Some stock trading charts have short and stout bars with a thin line inside it. This thin line is called wick or tail. This is where the name candle stick is derived. The thin line or the wick signifies the low and high values, as explained above. The fat line, which also looks like a short bar covering the thin line, indicates the open and close values. To differentiate the open from the close, the bar is shaded. If it is filled with black (or red on some web sites), the close was lower than the open, so the top of the body indicates the open and the bottom marks the close. If the body is filled with white (or green on some sites) the close was higher than the open, so the top shows the closing point and the bottom is the open. The shadows are thin lines that extend above and below the body to show the range between the day's high and low.
However if a stock opened and closed at the same price there would be no body because there is no change in price. You will discover that there are different types of stock charts. Some are presented in line or bar graphs but once you understand the basics, you will be able to use the data they provide.
The first thing to do is to find a good site on the internet where you can find free stock chart. Sites like yahoo finance, google finance, marketwatch.com, stockCharts.com etc. You do not need to register in order to access these free stock charts. The free stock chart helps you to predict the future of a particular penny stock, and have a clear picture of market trends.
The OHLC charts are the common type of free stock charts. OHLC simply means Open, High, Low, Close chart. The OHLC chart is divided into two - the plain vanilla and the candlestick chart. These charts contain the following basic information:
The time frame which could be in months, days, hours, or even minutes.
The high and low values of the period,
The volume story of the stock.
The opening and closing price.
Understanding the stock charts:
1. The volume bar
The volume of the stock is indicated by two vertical lines in the charts. One is at the bottom and the other is located a bit above it. Often there is a line at the lowermost part of the chart that corresponds to the one above. The lower bar is the volume of the stocks at a given point.
2. The High and Low Value Indicator
The bar (vertical) placed on top of the volume bar indicates the low and high values. The top part of the bar is the high value and the bottom part of the bar is the low value.
3. The Open and Close Marker
Some stock trading charts have short and stout bars with a thin line inside it. This thin line is called wick or tail. This is where the name candle stick is derived. The thin line or the wick signifies the low and high values, as explained above. The fat line, which also looks like a short bar covering the thin line, indicates the open and close values. To differentiate the open from the close, the bar is shaded. If it is filled with black (or red on some web sites), the close was lower than the open, so the top of the body indicates the open and the bottom marks the close. If the body is filled with white (or green on some sites) the close was higher than the open, so the top shows the closing point and the bottom is the open. The shadows are thin lines that extend above and below the body to show the range between the day's high and low.
However if a stock opened and closed at the same price there would be no body because there is no change in price. You will discover that there are different types of stock charts. Some are presented in line or bar graphs but once you understand the basics, you will be able to use the data they provide.
Monday, May 21, 2012
A Simple Guide To The Fair Debt Collection Practices Act
Everyone would like to remain free of debt, but this is not always possible. The loss of a job, a medical emergency or bad money management can put you in debt almost before you realize what is happening. When you fall behind on your debts, creditors will inevitably start pressing you for repayment. Collection agencies are limited in what actions they can take while attempting to collect the debt, however. The Fair Debt Collection Practices Act, or FDCPA passed in 1977, defines what practices are acceptable and what which ones are unacceptable when debt collectors attempt to collect consumer debts. The FDCPA covers various types of personal and household debt including the following:
- Credit Card Debt
- Auto loans
- Medical Debt
- Mortgages
The act does not cover business debt or collection efforts made in-house rather than through a collection agency. A retail store trying to collect a debt using its own employees would not be subject to the terms of the FDCPA in most instances, for example.
A crucial part of the FDCPA is the prohibition of certain practices that are considered harassing or abusive. Third-party debt collectors any not engage in the following conduct:
Contact you at inconvenient hours
The debt collector may not contact you between the hours of 9pm and 8am unless you give your expressed permission.
Harass you at work
The debt collector may not contact you at work unless your employer specifically approves of such calls. You must communicate your employer's wishes to the collector either verbally or in writing.
Harass other people about your debt
Other than your spouse, your attorney and yourself, a debt collector may contact other people only to find out your address, your phone number and where you work. He may contact them only once to find out this information.
Continue to contact you after you ask them to stop
Once you request in writing that a debt collector stop contacting you, he must do so. The two exceptions to this are to tell you he is stopping the contact and to tell you he is taking a certain action concerning your debt, such as taking you to court
Make Threats
The FDCPA prohibits debt collectors from threatening you with jail if you do not pay the debt. It also prevents them from claiming they will take your property or have your wages garnished, unless they can legally take these actions and actually intend to follow through on these claims. They may not threaten you with physical harm.
Make False Statements
Debt collectors may not falsely claim to be lawyers or government officials and may not give anyone false credit information about you or falsely state that you have committed any type of crime.
Try to Collect Added Fees
The act forbids the debt collector from attempting to collect any fees that were not part of the original contract between the creditor and the debtor unless specifically allowed by the laws in your state.
You have certain rights of privacy under the act. The debt collector may not contact you through the mails in any way that identifies you as a debtor. He may not contact you by postcard and may not use any language or symbols on his envelopes that indicates he is a debt collector. He may also no publish any type of list that names you as a debtor. Under the provisions of the act you have the right to sue the debt collector in court if you feel he has violated the law. You must file the lawsuit within one year of the violations and may be awarded damages and attorney's fees if claim is upheld.
- Credit Card Debt
- Auto loans
- Medical Debt
- Mortgages
The act does not cover business debt or collection efforts made in-house rather than through a collection agency. A retail store trying to collect a debt using its own employees would not be subject to the terms of the FDCPA in most instances, for example.
A crucial part of the FDCPA is the prohibition of certain practices that are considered harassing or abusive. Third-party debt collectors any not engage in the following conduct:
Contact you at inconvenient hours
The debt collector may not contact you between the hours of 9pm and 8am unless you give your expressed permission.
Harass you at work
The debt collector may not contact you at work unless your employer specifically approves of such calls. You must communicate your employer's wishes to the collector either verbally or in writing.
Harass other people about your debt
Other than your spouse, your attorney and yourself, a debt collector may contact other people only to find out your address, your phone number and where you work. He may contact them only once to find out this information.
Continue to contact you after you ask them to stop
Once you request in writing that a debt collector stop contacting you, he must do so. The two exceptions to this are to tell you he is stopping the contact and to tell you he is taking a certain action concerning your debt, such as taking you to court
Make Threats
The FDCPA prohibits debt collectors from threatening you with jail if you do not pay the debt. It also prevents them from claiming they will take your property or have your wages garnished, unless they can legally take these actions and actually intend to follow through on these claims. They may not threaten you with physical harm.
Make False Statements
Debt collectors may not falsely claim to be lawyers or government officials and may not give anyone false credit information about you or falsely state that you have committed any type of crime.
Try to Collect Added Fees
The act forbids the debt collector from attempting to collect any fees that were not part of the original contract between the creditor and the debtor unless specifically allowed by the laws in your state.
You have certain rights of privacy under the act. The debt collector may not contact you through the mails in any way that identifies you as a debtor. He may not contact you by postcard and may not use any language or symbols on his envelopes that indicates he is a debt collector. He may also no publish any type of list that names you as a debtor. Under the provisions of the act you have the right to sue the debt collector in court if you feel he has violated the law. You must file the lawsuit within one year of the violations and may be awarded damages and attorney's fees if claim is upheld.
Saturday, May 19, 2012
How to Go For Bad Credit Truck Financing
You might be into trucking business and looking forward to extend the same. But you might be lagging behind with your credit score. In other words, you might have poor credit score. Getting or buying a truck through finance is not an easy job. Bad credit does pose problems for you in securing finance. But, this does not point to the fact that you would not be able to buy a truck with bad credit score. There are commercial truck loans that are available and these loans provide you with a feasible solution to your problem of buying the truck. Your bad credit score can be due to any of the reasons like arrears, foreclosures, your bad credit score, problems in your payments etc. You can borrow the amount you want depending upon your abilities to repay it back. This amount starts from 2000 pounds to 5000o pounds. This is further applicable for a period of 1 to 5 years. However, you can extend this time period but this is possible with higher charges and penalty
You can go for the type of truck you want. This truck can be for your company or for your own commercial use. If you are able to provide your income proof, it becomes easy for you to get it financed for the bad creditors. This can be in any form including your tax return, your bank statements or any kind of the employment documents that the lenders would be requiring to verify. There are times when you do not have enough funds to buy a commercial truck. You would come across a number of bad credit truck financing services. For such conditions, you can avail commercial truck loans. You can avail this facility in two ways. One is going for the secure loans and the other way is opting for the unsecure loans. In case of the secured loans, the truck becomes your security. You here are likely to lose your truck in case you fail to repay the same in time. The unsecure loans do not ask you for any security. Thus, bad credit loans for trucks are available that provide you with enough cash to purchase a truck and enable you to pay your money back over a period of time. Commercial truck financing bad credit provides you with cash even though you are at bad credits. These are the financing companies who do not worry about any credit checks before giving you any loans. You can also opt for other companies if you are looking forward to the truck loans with low interest rates. Make sure that you provide the correct information whatever the lender asks you for. For getting this loan, you can either go to the lender personally or you can also fill the application form online
You must be able to convince the lender that you are capable to repay the amount you would borrow. You must have a bank account. You need to be more than 18 years of age. You must be employed and thus have a monthly income
You can go for the type of truck you want. This truck can be for your company or for your own commercial use. If you are able to provide your income proof, it becomes easy for you to get it financed for the bad creditors. This can be in any form including your tax return, your bank statements or any kind of the employment documents that the lenders would be requiring to verify. There are times when you do not have enough funds to buy a commercial truck. You would come across a number of bad credit truck financing services. For such conditions, you can avail commercial truck loans. You can avail this facility in two ways. One is going for the secure loans and the other way is opting for the unsecure loans. In case of the secured loans, the truck becomes your security. You here are likely to lose your truck in case you fail to repay the same in time. The unsecure loans do not ask you for any security. Thus, bad credit loans for trucks are available that provide you with enough cash to purchase a truck and enable you to pay your money back over a period of time. Commercial truck financing bad credit provides you with cash even though you are at bad credits. These are the financing companies who do not worry about any credit checks before giving you any loans. You can also opt for other companies if you are looking forward to the truck loans with low interest rates. Make sure that you provide the correct information whatever the lender asks you for. For getting this loan, you can either go to the lender personally or you can also fill the application form online
You must be able to convince the lender that you are capable to repay the amount you would borrow. You must have a bank account. You need to be more than 18 years of age. You must be employed and thus have a monthly income
Thursday, May 17, 2012
Domestic Short Term Car Leasing
There may be circumstances in life where you will need a vehicle for a certain period of time, and don't want to get locked into a long-term payment. For example, you may have a temporary job opportunity, or have a family situation that requires use of a car. Depending on your situation, short term car leasing may be the best and most affordable solution.
Long term car rentals are often the proper step if you need to drive a vehicle for just a short period of time. Renting a vehicle though, can quickly get expensive, even with long-term rental discounts. However, if you will only need the vehicle for six months or less, renting is probably your best option.
If you are looking to keep a vehicle for a longer period of time, short term leasing is usually the most affordable if the duration is between 6-24 months. Unfortunately, this is usually not a possibility if you are looking to lease a new car from a dealer. Most new car leases are at least 24 months or longer, so going directly to the dealer for a new car lease will only be a choice if you can commit to something more permanent.
The best solution for a 6-24 month use is a short term car lease. You will actually be be taking over, or assuming a lease, on a used vehicle from another driver. You'll take over the auto, the monthly payments, and the time that is left on the lease, which can usually be from a few months to 2-3 years.
Short term leases are often great bargains. Unlike a new lease, you will not have to come up with any sort of down payment or additional fees, you will just take over the payments each month. However, you may be charged at the end of the lease for excessive mileage, so its important you become familiar with the leasing contract and the vehicle condition before you agree to take over the lease.
Assuming a lease, even for a short duration, does require completing and changing the existing lease contract through the leasing company. Although you may need the vehicle relatively quickly, make sure all the paperwork is complete before you take the vehicle, in order to avoid any trouble.
The best place to find short term car leasing is on the Internet. There are a handful of specialized companies that match buyers and leaseholders together, and help facilitate the transfer of the vehicle. By going through a third party company, you will have to pay a small fee, but you will increase your chances of getting a good lease deal and having the transfer done properly.
Short term leasing may be the best way to meet your driving needs, especially if your finances do not allow for a large down payment. If you are in a situation where you need to drive a vehicle for 6-24 months, you will probably get a great deal going through a company that specializes in lease assumptions and transfers. By doing some research online, you should be able to find plenty of lease deals.
Long term car rentals are often the proper step if you need to drive a vehicle for just a short period of time. Renting a vehicle though, can quickly get expensive, even with long-term rental discounts. However, if you will only need the vehicle for six months or less, renting is probably your best option.
If you are looking to keep a vehicle for a longer period of time, short term leasing is usually the most affordable if the duration is between 6-24 months. Unfortunately, this is usually not a possibility if you are looking to lease a new car from a dealer. Most new car leases are at least 24 months or longer, so going directly to the dealer for a new car lease will only be a choice if you can commit to something more permanent.
The best solution for a 6-24 month use is a short term car lease. You will actually be be taking over, or assuming a lease, on a used vehicle from another driver. You'll take over the auto, the monthly payments, and the time that is left on the lease, which can usually be from a few months to 2-3 years.
Short term leases are often great bargains. Unlike a new lease, you will not have to come up with any sort of down payment or additional fees, you will just take over the payments each month. However, you may be charged at the end of the lease for excessive mileage, so its important you become familiar with the leasing contract and the vehicle condition before you agree to take over the lease.
Assuming a lease, even for a short duration, does require completing and changing the existing lease contract through the leasing company. Although you may need the vehicle relatively quickly, make sure all the paperwork is complete before you take the vehicle, in order to avoid any trouble.
The best place to find short term car leasing is on the Internet. There are a handful of specialized companies that match buyers and leaseholders together, and help facilitate the transfer of the vehicle. By going through a third party company, you will have to pay a small fee, but you will increase your chances of getting a good lease deal and having the transfer done properly.
Short term leasing may be the best way to meet your driving needs, especially if your finances do not allow for a large down payment. If you are in a situation where you need to drive a vehicle for 6-24 months, you will probably get a great deal going through a company that specializes in lease assumptions and transfers. By doing some research online, you should be able to find plenty of lease deals.
Tuesday, May 15, 2012
Getting Chase Credit Cards Online: The Key Benefits To Applicants
No-one can deny the value that credit cards have. In fact, VISA and Mastercard are probably the best known brand names in the world. When looking for a new card, the best terms are usually available online, from trusted card issuers that formulate the most competitive interest rates and incentives, like Chase credit card online offers.
For millions of consumers, getting the best possible deals is essential and the Internet is where the best terms can be found. Whether buying, booking or donating, the vast majority of transactions are electronic. Of course, applying for better card deals is an important strategic financial move. The two central selling points are low interest rates and fast card approval.
This combination explains why Chase credit cards are amongst the most sought after cards online, but a variety of cardholder benefits are also available directly from the JP Morgan Chase bank too.
The Key Benefits
A credit card agreement is like any other financial agreement, with the small print and finer details the critical elements. Understandably, applicants need to know what these details actually mean and whether they force the card costs up or down. Getting a Chase credit card online, however, highlights the benefits that place them above the competition.
The programs and incentives offered are some of the most competitive available anywhere. Fast card approval is only one of the standard benefits, with a special points system for cardholders, for example, designed to drastically lower the overall cost of the card.
Users can also redeem these user points at a vast variety of places, from restaurants to theme parks, and can use the to avail of lower airfare and travel fares. So, the advantages offered by Chase credit cards affect life in practical ways.
Terms and Conditions To Look For
Of course, applicants must meet set criteria before they can avail of any financial package - and this stands true when applying for Chase credit cards online. Some of this criteria is rather straightforward, not differing much from those set for general bank loans.
For example, an applicant should have a good credit rating, and the actual credit limit on the card will be affected accordingly - poorer ratings mean lower card limits. Other criteria include proof of age (over 18), proof of US citizenship, and a proof of income. These few basic conditions are vital before even hoping for fast card approval, but there are more specific conditions that need to be considered too.
These additional issues relate to interest rates and the specific incentives that are on offer. For example, Chase credit cards are available at 0% APR as an introductory offer. This is usually offered for the first 6 months. Another common incentive is the removal of annual fees for at least the first year.
The Online Application Process
Getting a Chase credit card online comes down to meeting set criteria, but there are other factors involved. The fact is that applying online still requires details on credit scores. If the rating is too low, then the application is likely to be quickly rejected. To get fast card approval the rating needs to be pretty good, though perfect is never expected.
The whole online application process is simple however, with the necessary details entered into one or two simple screen pages, and then submitted by clicking on the relevant button on screen. And when the details provided are proven accurate, and approval is given, the Chase credit card should arrive within a few days.
For millions of consumers, getting the best possible deals is essential and the Internet is where the best terms can be found. Whether buying, booking or donating, the vast majority of transactions are electronic. Of course, applying for better card deals is an important strategic financial move. The two central selling points are low interest rates and fast card approval.
This combination explains why Chase credit cards are amongst the most sought after cards online, but a variety of cardholder benefits are also available directly from the JP Morgan Chase bank too.
The Key Benefits
A credit card agreement is like any other financial agreement, with the small print and finer details the critical elements. Understandably, applicants need to know what these details actually mean and whether they force the card costs up or down. Getting a Chase credit card online, however, highlights the benefits that place them above the competition.
The programs and incentives offered are some of the most competitive available anywhere. Fast card approval is only one of the standard benefits, with a special points system for cardholders, for example, designed to drastically lower the overall cost of the card.
Users can also redeem these user points at a vast variety of places, from restaurants to theme parks, and can use the to avail of lower airfare and travel fares. So, the advantages offered by Chase credit cards affect life in practical ways.
Terms and Conditions To Look For
Of course, applicants must meet set criteria before they can avail of any financial package - and this stands true when applying for Chase credit cards online. Some of this criteria is rather straightforward, not differing much from those set for general bank loans.
For example, an applicant should have a good credit rating, and the actual credit limit on the card will be affected accordingly - poorer ratings mean lower card limits. Other criteria include proof of age (over 18), proof of US citizenship, and a proof of income. These few basic conditions are vital before even hoping for fast card approval, but there are more specific conditions that need to be considered too.
These additional issues relate to interest rates and the specific incentives that are on offer. For example, Chase credit cards are available at 0% APR as an introductory offer. This is usually offered for the first 6 months. Another common incentive is the removal of annual fees for at least the first year.
The Online Application Process
Getting a Chase credit card online comes down to meeting set criteria, but there are other factors involved. The fact is that applying online still requires details on credit scores. If the rating is too low, then the application is likely to be quickly rejected. To get fast card approval the rating needs to be pretty good, though perfect is never expected.
The whole online application process is simple however, with the necessary details entered into one or two simple screen pages, and then submitted by clicking on the relevant button on screen. And when the details provided are proven accurate, and approval is given, the Chase credit card should arrive within a few days.
Monday, May 14, 2012
Trends Mobile Or Mobile Applications 2012
It seemed to present hardware that we call Mobile / Phone more intense and very fast growing. Starting from the class of low end up to the smartphone is very easy to get in the market. Then what will be offered by the providers of mobile applications or features in mobile phones this year (2011) to 2012 in addition, the voice connection (dial phone), SMS, games and other entertainment applications .. we predicted it!
1. M-Education
Time for the content and features of education in the bundle in a mobile application. Mobile users can access content or educational materials more easily by using the phone, m-education applications have been developed by several companies in the world for example: Nokia with OVI Service Life Tools provide easy access to educational material via mobile phones, mobile phones to class Low End (Java ) in the middle class with android platform Mobile users can also use Siedun Mobile, Iphone For Users can also use a variety of applications such as Blackboard. It may be a conventional learning at school or college can be accessed via your mobile phone, Why Not?
2. M-Shopping
Shopping By Phone? It may happen in Q2 of this year or in 2012. The Mobile users can easily select items from a particular merchandised by simply typing or show his finger on the mobile screen.
3. M-Library
Famous book of a great author can be found and read through a mobile phone? wow pretty cool right now you do not need anymore reason to build their own library at home because of the narrowness of the room. Literature books or articles can you save in your phone memory.
4. M-Advertising
Advertising via mobile phones is also going to grow at the end of 2011 and 2012, you can easily access the latest creative as you want. or just view the latest product catalog from your favorite Factory Outlet. Easy right?
5. M-Banking
Your routine is quite busy and crowded make you lazy to linger in line at the bank, enabling mobile application developers competing to make the application easy banking via your mobile phone. For the purposes of payment of electricity bills, telephone, credit cards can easily be done on your mobile phone
6. Location Base Service
You often narcissistic when you're hanging out with friends at the Coffee Shop? Update status by using the Foursquare? in 2011 to 2012 is predicted to mobile
trends mobile
1. M-Education
Time for the content and features of education in the bundle in a mobile application. Mobile users can access content or educational materials more easily by using the phone, m-education applications have been developed by several companies in the world for example: Nokia with OVI Service Life Tools provide easy access to educational material via mobile phones, mobile phones to class Low End (Java ) in the middle class with android platform Mobile users can also use Siedun Mobile, Iphone For Users can also use a variety of applications such as Blackboard. It may be a conventional learning at school or college can be accessed via your mobile phone, Why Not?
2. M-Shopping
Shopping By Phone? It may happen in Q2 of this year or in 2012. The Mobile users can easily select items from a particular merchandised by simply typing or show his finger on the mobile screen.
3. M-Library
Famous book of a great author can be found and read through a mobile phone? wow pretty cool right now you do not need anymore reason to build their own library at home because of the narrowness of the room. Literature books or articles can you save in your phone memory.
4. M-Advertising
Advertising via mobile phones is also going to grow at the end of 2011 and 2012, you can easily access the latest creative as you want. or just view the latest product catalog from your favorite Factory Outlet. Easy right?
5. M-Banking
Your routine is quite busy and crowded make you lazy to linger in line at the bank, enabling mobile application developers competing to make the application easy banking via your mobile phone. For the purposes of payment of electricity bills, telephone, credit cards can easily be done on your mobile phone
6. Location Base Service
You often narcissistic when you're hanging out with friends at the Coffee Shop? Update status by using the Foursquare? in 2011 to 2012 is predicted to mobile
trends mobile
Leasing Of Golf Cart
Other than just a sport, golfing has now turned a hobby for many. The interest for golf has increased over the few years as it not considered as an expensive game now. Since golf carts are an inevitable factor for any golfer as it helps in carrying them and their golf equipments from one hole to another easily, the idea of buying an expensive golf cart kept many of them away from golfing. But with golf cart leasing option, you can save on the heavy expense on buying a brand new cart or renting a cart every day. Most of the good models would go between 00 and 000. So, buying a new cart was considered a feasible expense for many. In that case, the idea of golf cart leasing is highly beneficial for people. You can now lease any type of carts without the need for buying them. Choose from the electric cart or the gas powered cart, whichever you like the most. When considering the fuel expense and pollution of gas powered carts, electric carts that run on batteries are being used for short drive.
If you are planning to lease a golf cart, then here are some benefits of leasing the cart. You can lease the cart from a dealer or from the golf facilities that take it as a big business. Since the servicing and maintenance requirements also come under the leases, the dealers are pretty more interested in leasing their carts. And remember, in most cases the carts that come with some issues are mostly given for lease. So, you should know that if you are using a cart for the short run, leasing would be economically advantageous, but if you wish to use it for a long run and a variety of purposes other than during golfing, then it is more viable to purchase a new cart that can run for more longer without much problem. If you are looking for cart leasing for affordable rates, then you can try the off seasonal leases that could provide carts at much lesser rates.
Operating lease and conditional leases are two different types of leases. There are also two lease programs to choose from, the Fair Market Value Lease program and the Fixed Purchase Lease Option.
If you are planning to lease a golf cart, then here are some benefits of leasing the cart. You can lease the cart from a dealer or from the golf facilities that take it as a big business. Since the servicing and maintenance requirements also come under the leases, the dealers are pretty more interested in leasing their carts. And remember, in most cases the carts that come with some issues are mostly given for lease. So, you should know that if you are using a cart for the short run, leasing would be economically advantageous, but if you wish to use it for a long run and a variety of purposes other than during golfing, then it is more viable to purchase a new cart that can run for more longer without much problem. If you are looking for cart leasing for affordable rates, then you can try the off seasonal leases that could provide carts at much lesser rates.
Operating lease and conditional leases are two different types of leases. There are also two lease programs to choose from, the Fair Market Value Lease program and the Fixed Purchase Lease Option.
Friday, May 11, 2012
Financial Forum
Getting advice on financial matters can be a complicated and difficult task. With so much free' advice available online, one can get quite confused as to where to start his search for quality financial advice. A relatively new concept in the world of finance is financial forums. A financial forum is a website that allows users to log into their accounts and start new topics to discuss common problems. To better understand financial forums it is important to understand the basics of an online forum.
A forum is one of the most basic forms of social networking. Registered users can start a new discussion by posting a question (called a topic or discussion thread). Other registered users can then come up with solutions and suggestions to the topic and post' their responses to the topic. The best part of forum architecture is that all posts to a topic are visible to users, and irrespective of the usefulness of a post a person can get an instant overview of the entire process.
Financial forums are based on generic forum architecture, but have the added benefit of offering users tools and useful financial resources. For example, a financial forum can offer tools like mortgage calculators, regular savings calculators, mortgage, savings and credit card comparison tables etc. Apart from tools and comparison tables, a financial forum also has the added advantage of categorising topics. For example, a user looking for solutions to common credit card problems does not need to look through all the posts made on a financial forum. Most financial forums categorize topics based on financial categories, so a financial forum will have topics segregated into various criteria like credit cards, mortgage, bankruptcy etc.
Apart from allowing users to find answers to their problems, a financial forum also acts as a ready reference. Over a period of time, posts are carefully catalogued and stored away for future reference and registered user can easily search through older topics for references. Most financial forums have a search feature that allows users to search for problems by typing in relevant keywords. For example, the keywords bad credit remortgage' will bring all topics and posts that are based on bad credit remortgage issues. In essence, a user might not even have to start a new topic to find a solution to his bad credit remortgage problems.
Apart from acting as information exchange resources, financial forums are also one of the most basic forms of social networking. In addition to allowing users to find solutions to common financial problems, financial forums also bring people from all walks of life together. Although most forums are designed for a global audience, financial forums are designed to be country specific (as tax laws and other finance laws are unique to each country). For example, although Australia and New Zealand are neighbours, a New Zealand based financial forum will only be useful to residents of New Zealand and might not be as relevant to people living in Australia.
Tips for not spamming financial forums
One of the biggest problems with forums in general is that they are targeted by spammers. A spammer is a user that creates an account and then post links and advertisements to other websites. For example, a spammer can target a financial forum to promote his mortgage firm. Although, most forums have a strict no spamming policy and all posts are closely monitored by site administrators, there is a possibility you might be mistaken for a spammer. To avoid any such confusion, make sure you post only meaningful links and also make sure you do not post multiple threads. If your question is not answered the first time around, don't make another post as this can also be mistaken for spamming.
For a New Zealand based financial forum visit www.nzmoneytalk.co.nz
A forum is one of the most basic forms of social networking. Registered users can start a new discussion by posting a question (called a topic or discussion thread). Other registered users can then come up with solutions and suggestions to the topic and post' their responses to the topic. The best part of forum architecture is that all posts to a topic are visible to users, and irrespective of the usefulness of a post a person can get an instant overview of the entire process.
Financial forums are based on generic forum architecture, but have the added benefit of offering users tools and useful financial resources. For example, a financial forum can offer tools like mortgage calculators, regular savings calculators, mortgage, savings and credit card comparison tables etc. Apart from tools and comparison tables, a financial forum also has the added advantage of categorising topics. For example, a user looking for solutions to common credit card problems does not need to look through all the posts made on a financial forum. Most financial forums categorize topics based on financial categories, so a financial forum will have topics segregated into various criteria like credit cards, mortgage, bankruptcy etc.
Apart from allowing users to find answers to their problems, a financial forum also acts as a ready reference. Over a period of time, posts are carefully catalogued and stored away for future reference and registered user can easily search through older topics for references. Most financial forums have a search feature that allows users to search for problems by typing in relevant keywords. For example, the keywords bad credit remortgage' will bring all topics and posts that are based on bad credit remortgage issues. In essence, a user might not even have to start a new topic to find a solution to his bad credit remortgage problems.
Apart from acting as information exchange resources, financial forums are also one of the most basic forms of social networking. In addition to allowing users to find solutions to common financial problems, financial forums also bring people from all walks of life together. Although most forums are designed for a global audience, financial forums are designed to be country specific (as tax laws and other finance laws are unique to each country). For example, although Australia and New Zealand are neighbours, a New Zealand based financial forum will only be useful to residents of New Zealand and might not be as relevant to people living in Australia.
Tips for not spamming financial forums
One of the biggest problems with forums in general is that they are targeted by spammers. A spammer is a user that creates an account and then post links and advertisements to other websites. For example, a spammer can target a financial forum to promote his mortgage firm. Although, most forums have a strict no spamming policy and all posts are closely monitored by site administrators, there is a possibility you might be mistaken for a spammer. To avoid any such confusion, make sure you post only meaningful links and also make sure you do not post multiple threads. If your question is not answered the first time around, don't make another post as this can also be mistaken for spamming.
For a New Zealand based financial forum visit www.nzmoneytalk.co.nz
Thursday, May 10, 2012
Facts On Military Bad Credit Consolidation Loans
Debt consolidation is a good way to get debt under control and it is not only for former students with many student loans. Military personnel with a number of pesky debts can get them all rolled into one. Having a lot of little loans, or even a few large ones, can be a monthly debt management nightmare.
Risky Nightmare
You have multiple payments, all due on different days with different amounts, and all with different interest rates. What a bother! Every month you risk getting a late fee tacked on, or missing a payment completely. Money management is so much easier and far less risky if you have one payment to one lender with a military bad credit debt consolidation loan. And your monthly payment will probably be a lot less than the sum paid on all your former debt.
Credit Correction
Other good things can come from loan consolidation. It produces an immediate upward movement for your credit scores. Instead of having multiple lenders, you have just one. That is a lot nicer looking to credit checkers. Also, if you do automatic payments to that single account, you lose the risk of being charged late fees or missing any payments. That provides another boost to your credit scores.
Many Lenders
Traditional lenders such as banks and credit unions have tightened up their lending practices since the big bust at the end of the last decade. Many folks with bad credit cannot get loans. Even borrowers with good credit have trouble landing a loan. Seeing a growing market, private lenders have stepped in and now there are many lenders willing to extend military bad credit consolidation loans. Most of these lenders have set up shop on the internet, making shopping for a loan much easier for the borrower. Just punch your web browser with this key phrase: bad credit military consolidation loan. You will be immediately shown a large number of lenders willing to give military members loans.
Easy Application
Online credit applications are easy to fill out and approval can be had within 24 hours, sometimes sooner. Be sure you have all your documentation handy. You will need bona fide government identification, a checking account with direct deposit, proof of service and salary, and proof of residency. Just be sure the site where you divulge your personal and financial information is secure and be sure to check the reputation of your lender. The online Better Business Bureau listings would be a good place to start.
Soldiers and Sailors Relief Act
Even if service members have bad credit, the Soldiers and Sailors Relief Act dictates that they are allowed lower interest rates on personal loans for debt relief. The amount of reduction can be as much as six percent off the original interest of the loan. This act was made into law because of the essential service military men and women make to the nation. Lenders must comply. You will also find lenders who specialize in making loans to military personnel so there is no confusion over interest rates.
You Deserve It
Your military service should allow you to get a decent bad credit military debt consolidation loan. Take advantage of it to get a handle on your debt and be debt free in the shortest time possible.
Risky Nightmare
You have multiple payments, all due on different days with different amounts, and all with different interest rates. What a bother! Every month you risk getting a late fee tacked on, or missing a payment completely. Money management is so much easier and far less risky if you have one payment to one lender with a military bad credit debt consolidation loan. And your monthly payment will probably be a lot less than the sum paid on all your former debt.
Credit Correction
Other good things can come from loan consolidation. It produces an immediate upward movement for your credit scores. Instead of having multiple lenders, you have just one. That is a lot nicer looking to credit checkers. Also, if you do automatic payments to that single account, you lose the risk of being charged late fees or missing any payments. That provides another boost to your credit scores.
Many Lenders
Traditional lenders such as banks and credit unions have tightened up their lending practices since the big bust at the end of the last decade. Many folks with bad credit cannot get loans. Even borrowers with good credit have trouble landing a loan. Seeing a growing market, private lenders have stepped in and now there are many lenders willing to extend military bad credit consolidation loans. Most of these lenders have set up shop on the internet, making shopping for a loan much easier for the borrower. Just punch your web browser with this key phrase: bad credit military consolidation loan. You will be immediately shown a large number of lenders willing to give military members loans.
Easy Application
Online credit applications are easy to fill out and approval can be had within 24 hours, sometimes sooner. Be sure you have all your documentation handy. You will need bona fide government identification, a checking account with direct deposit, proof of service and salary, and proof of residency. Just be sure the site where you divulge your personal and financial information is secure and be sure to check the reputation of your lender. The online Better Business Bureau listings would be a good place to start.
Soldiers and Sailors Relief Act
Even if service members have bad credit, the Soldiers and Sailors Relief Act dictates that they are allowed lower interest rates on personal loans for debt relief. The amount of reduction can be as much as six percent off the original interest of the loan. This act was made into law because of the essential service military men and women make to the nation. Lenders must comply. You will also find lenders who specialize in making loans to military personnel so there is no confusion over interest rates.
You Deserve It
Your military service should allow you to get a decent bad credit military debt consolidation loan. Take advantage of it to get a handle on your debt and be debt free in the shortest time possible.
What Do Vimax Results Tell? - Vimax Pill Reviews
As you know Vimax is among the most effective male enhancement pills for men to enhance their sexual performance on bed. Vimax results tell that customers gained up to 4 inches in length and 24% in girth, which result in greater self confidence because of better performance. You can buy Vimax pills online via their official website. PillsExpert is the company that developed this product since 2000 and its population has been increasing every day due to the best results and high-end and quality product. The manufacturer of this product claimed that your overall sex drive will improve by taking Vimax pills for 6 months. You will notice the change during the first few weeks but the full effect takes place in sex months.
You can only buy Vimax pills via their official website or by phone. You cannot find the product at stores like Wal-Mark, CVS, etc. If you find the Vimax pills somewhere else, you may end up buying the scam products. There are some male enhancement reviews sites that tell about this product. When you enter your credit card information online, the URL must contains VimaxPills. There are some Vimax scams online but will disappear very soon. If you receive spam e-mails advertising about Vimax male enlargement pills, you know for sure they are fake Vimax pills. Vimax will never advertise their product via such spam e-mails. The company thinks that if the customers like them, they will come back without sending an email.
Vimax results are the increase in the penis size both length and girth, stronger and harder erections as the more blood flow to the penis area, longer lasting in bed, and no more premature ejaculation. It is the solution for men who are quietly suffering about small penis which lead to unsatisfactory performance. In other words, your woman will not attain an orgasm with your too small, soft, or short penis. Your little cannot touch most of the sensitive area of her vaginal, she cannot reach an orgasm. She is not satisfied and as a result, she will be seeing someone else. Thousands of relationships are broken up because of this. So, you need to save your relationship when you still have a chance.
Vimax pills are the best penile enlargement pills that really work. Vimax is all-natural since it is made of 100% herbal ingredients. Each Vimax pill is formulated by the correct blend of herbs to make sure it delivers the maximum results. Studies have shown that many positive testimonials from users who have gained up to 3-4 inches in length and 25% in girth.
It is no doubt that Vimax is the only solution to help you get bigger and stronger erections that will result in better sexual performance and greater self-esteem and self-confidence in bed. It is not only for you but also for your woman. Since its ingredients are all-natural, Vimax side effects are none. With 60 day money back guarantee, you have everything to gain.
You can only buy Vimax pills via their official website or by phone. You cannot find the product at stores like Wal-Mark, CVS, etc. If you find the Vimax pills somewhere else, you may end up buying the scam products. There are some male enhancement reviews sites that tell about this product. When you enter your credit card information online, the URL must contains VimaxPills. There are some Vimax scams online but will disappear very soon. If you receive spam e-mails advertising about Vimax male enlargement pills, you know for sure they are fake Vimax pills. Vimax will never advertise their product via such spam e-mails. The company thinks that if the customers like them, they will come back without sending an email.
Vimax results are the increase in the penis size both length and girth, stronger and harder erections as the more blood flow to the penis area, longer lasting in bed, and no more premature ejaculation. It is the solution for men who are quietly suffering about small penis which lead to unsatisfactory performance. In other words, your woman will not attain an orgasm with your too small, soft, or short penis. Your little cannot touch most of the sensitive area of her vaginal, she cannot reach an orgasm. She is not satisfied and as a result, she will be seeing someone else. Thousands of relationships are broken up because of this. So, you need to save your relationship when you still have a chance.
Vimax pills are the best penile enlargement pills that really work. Vimax is all-natural since it is made of 100% herbal ingredients. Each Vimax pill is formulated by the correct blend of herbs to make sure it delivers the maximum results. Studies have shown that many positive testimonials from users who have gained up to 3-4 inches in length and 25% in girth.
It is no doubt that Vimax is the only solution to help you get bigger and stronger erections that will result in better sexual performance and greater self-esteem and self-confidence in bed. It is not only for you but also for your woman. Since its ingredients are all-natural, Vimax side effects are none. With 60 day money back guarantee, you have everything to gain.
Wednesday, May 9, 2012
Hard Money Mortgage Refinance & Equity Loans When Lenders Turn You Down Because Of Bad Credit
Hard money loans, also known as private money loans, are home equity driven mortgage loans funded by private investors and companies using their own money secured by a real estate trust deed, eliminating the common qualification and underwriting guidelines of prime (regular) and sub-prime (bad credit) lenders.
"There are private investors who, if the interest rate is high enough and the perceived risk is low enough, they will put the money up," says Pam Strickland, owner of Mortgage Consulting Services in Santa Barbara, Calif. These investors, typically called "hard money lenders", make loans to people who are being turned down due to these and other reasons:
Borrower's FICO scores are below 500 due to recent bankruptcy or bad credit;
Income is unverifiable or borrower lost his/her job;
Balloon payment on existing loan is due now;
Foreclosure is imminent;
Borrower is purchasing odd or non-conforming types of properties (land, mixed use, etc).
"These are temporary fix loans. That's all they are--to help people get out of a bad situation," says Kirk Johnson, a mortgage broker with Sierra Funding Corp. in Denver.
How much equity do you have? If you don't have at least 30% equity, you probably won't be able to get a loan because hard money lenders want to make sure they can make money off your property if they have to foreclose.
Hard-money lenders are harder to find than other lenders, so how can someone get a hard money mortgage? Brokers and other intermediaries who arrange hard money loans "go to people who have money to lend and they match them up with people who can't get money any other way," Strickland says.
If you have low credit scores and need a cash-out refinance for debt consolidation, a home equity loan (second mortgage) to pay off debt, or you need a last resort foreclosure prevention solution, you may be able to get a bad credit mortgage refinance or second mortgage from a hard money lender. You'll probably pay double-digit interest rates, but a hard money mortgage may be able to provide the breathing room you need to rebuild your credit and refinance again later on.
"There are private investors who, if the interest rate is high enough and the perceived risk is low enough, they will put the money up," says Pam Strickland, owner of Mortgage Consulting Services in Santa Barbara, Calif. These investors, typically called "hard money lenders", make loans to people who are being turned down due to these and other reasons:
Borrower's FICO scores are below 500 due to recent bankruptcy or bad credit;
Income is unverifiable or borrower lost his/her job;
Balloon payment on existing loan is due now;
Foreclosure is imminent;
Borrower is purchasing odd or non-conforming types of properties (land, mixed use, etc).
"These are temporary fix loans. That's all they are--to help people get out of a bad situation," says Kirk Johnson, a mortgage broker with Sierra Funding Corp. in Denver.
How much equity do you have? If you don't have at least 30% equity, you probably won't be able to get a loan because hard money lenders want to make sure they can make money off your property if they have to foreclose.
Hard-money lenders are harder to find than other lenders, so how can someone get a hard money mortgage? Brokers and other intermediaries who arrange hard money loans "go to people who have money to lend and they match them up with people who can't get money any other way," Strickland says.
If you have low credit scores and need a cash-out refinance for debt consolidation, a home equity loan (second mortgage) to pay off debt, or you need a last resort foreclosure prevention solution, you may be able to get a bad credit mortgage refinance or second mortgage from a hard money lender. You'll probably pay double-digit interest rates, but a hard money mortgage may be able to provide the breathing room you need to rebuild your credit and refinance again later on.
Monday, May 7, 2012
How To - Fha Hamp Mortgage Loan Modification Program
Department of Housing and Urban Development Secretary Shaun Donovan published as of today the FHA has prepared amendments to its loan workout program so that it will further complement President Obama's Home Affordable Modification Program (HAMP) under Making Home Affordable. It is hoped that the new FHA mortgage modification rules will be in place by August 15th.
How does this aid you? Well, if you currently own a mortgage insured by the Federal Housing Administration (FHA), you will be able to radically decrease your monthly home mortgage payments, interest rate, and possibly achieve a partial principal forbearance or balance reduction (a decrease in the amount you owe on your home loan), provided you meet the new guidelines.
Homeowners that have successfully recieved a mortgage loan modification through Obama's Making Home Affordable Program have had staggering results, some homeowners lessening their mortgage rates to as low as 2% on 30 and 40 year fixed loans, saving a good deal of moneyeach month on their home loan.
The Burst of the Housing Bubble is a very stirring era for homeowners in FHA loans, as they now as well can get similar positive outcomes. Qualifying for the FHA -HAMP can be somewhat tricky, and there's a good deal of bad information out there on how to successfully modify your mortgage. We're going to put to rest the tittle-tattle, and help you figure out how to get qualified, ModificationZoom style.
Primarily we must cross the "eligibility" bridge - Your bank needs to be FHA-Approved to modify under FHA-HAMP. Most mortgage lenders that offer FHA mortgage loan programs are qualified. The best way to satisfy whether or not your servicer can modify your home mortgage under FHA-HAMP is to call and query if they take part in the program! If your "mortgagee" (lender) is eligible, your next step is to make sure that you are eligible!
Your current loan must be an existing FHA-backed single family mortgage, and the existing home loan must be in default, meaning that you are 1 payment past due more than 30 days, but less than 12 full home loan payments delinquent.
Your house must be a FHA insured single family home (1-4 units), loans previously amended under HAMP do not qualify, you must have had the loan for 12 months, and here's a great piece of information: There is no net present value (NPV) analysis for eligibility!
(The NPV check is employed to agree on whether it is cost effective for your lien holding bank to amend your home mortgage. Under this process, it doesn't matter if it is financially optimal for your mortgage lender to alter your loan or not! If you qualify, your servicer should amend your mortgage, regardless of the sum of equity you have in the home!)
There is no upper limit on home loan amount for home mortgages eligible for mortgage loan modification, and it have a bearing what your credit looks like! There is no valuation required, and your FHA - HAMP changed loan has to be at a decreased interest rate and payment than what you already have!
For documentation, you will need to present the following:
1) Hardship Letter
2) Income Documentation - Paystubs & W-2s, or Profit & Loss Statements & Full Tax Returns if you are Self-Employed.
3) 3 Months Bank Statements
4) Financial Worksheet of Income & Expenses
5) Hardship Affidavit
So what is going to happen when you recieve a mortgage loan modification through FHA - HAMP? First, you will be placed in a temporary loan modification payment plan, and after you make the first 3 payments under your new plan, FHA-HAMP can be completed.
Your mortgage will be altered to a 30 year fixed rate to a (proposed) front end DTI of 31%. You must verify that your back end (proposed) DTI is below 55%.
What specifically does this signify? Your "front end" DTI can be determined by dividing your home mortgage expense by your pre-tax income. Your "back end" DTI can be determined by adding the sum of all of the monthly payments that show up on your credit report by your gross income - e.g. - credit cards, automobile loans, and other mortgage loan payments.
Conversely, to work out what your new payment will be, simply multiply your gross income by 31 percent!
Ok, I know that was a good deal of information, so we're going to abridge with a "To-Do List":
1) Confirm that you hold an FHA loan, and that your Mortgagee (mortgage lender) is FHA - Approved.
2) Your home mortgage must be at least 1 payment late, but not more than 12 payments late.
3) Make sure your home is 1-4 units, that it is your primary and only residence, that you've had the loan for 1 year, and you haven't previously modified under HAMP.
4) Write out the hardship affidavit, write a hardship letter, document your income, completed a financial worksheet, include bank statements and submit the package to your mortgage holder!
5) Get your loan modified!
The remnants of the information out there on FHA - HAMP is pertinent, but not necessarily stuff that has to be grasped to get a loan modifications through the government program. For example; your servicing bank will determine how to get to the goal 31% payment by giving you a 30 yr or 40 yr fixed term and the calculated fixed rate, and may have to lower your principal to help you qualify for the payment you need to be financially stable. For more information, contact ModificationZoom toll free at (866) 760-9099.
ModificationZoom is not a Government Agency, but we do understand the ins and outs and loopholes of FHA - HAMP, and can help you.
Alright, now you're ready to rock and roll with the FHA Home Affordable Modification Program (HAMP).
How does this aid you? Well, if you currently own a mortgage insured by the Federal Housing Administration (FHA), you will be able to radically decrease your monthly home mortgage payments, interest rate, and possibly achieve a partial principal forbearance or balance reduction (a decrease in the amount you owe on your home loan), provided you meet the new guidelines.
Homeowners that have successfully recieved a mortgage loan modification through Obama's Making Home Affordable Program have had staggering results, some homeowners lessening their mortgage rates to as low as 2% on 30 and 40 year fixed loans, saving a good deal of moneyeach month on their home loan.
The Burst of the Housing Bubble is a very stirring era for homeowners in FHA loans, as they now as well can get similar positive outcomes. Qualifying for the FHA -HAMP can be somewhat tricky, and there's a good deal of bad information out there on how to successfully modify your mortgage. We're going to put to rest the tittle-tattle, and help you figure out how to get qualified, ModificationZoom style.
Primarily we must cross the "eligibility" bridge - Your bank needs to be FHA-Approved to modify under FHA-HAMP. Most mortgage lenders that offer FHA mortgage loan programs are qualified. The best way to satisfy whether or not your servicer can modify your home mortgage under FHA-HAMP is to call and query if they take part in the program! If your "mortgagee" (lender) is eligible, your next step is to make sure that you are eligible!
Your current loan must be an existing FHA-backed single family mortgage, and the existing home loan must be in default, meaning that you are 1 payment past due more than 30 days, but less than 12 full home loan payments delinquent.
Your house must be a FHA insured single family home (1-4 units), loans previously amended under HAMP do not qualify, you must have had the loan for 12 months, and here's a great piece of information: There is no net present value (NPV) analysis for eligibility!
(The NPV check is employed to agree on whether it is cost effective for your lien holding bank to amend your home mortgage. Under this process, it doesn't matter if it is financially optimal for your mortgage lender to alter your loan or not! If you qualify, your servicer should amend your mortgage, regardless of the sum of equity you have in the home!)
There is no upper limit on home loan amount for home mortgages eligible for mortgage loan modification, and it have a bearing what your credit looks like! There is no valuation required, and your FHA - HAMP changed loan has to be at a decreased interest rate and payment than what you already have!
For documentation, you will need to present the following:
1) Hardship Letter
2) Income Documentation - Paystubs & W-2s, or Profit & Loss Statements & Full Tax Returns if you are Self-Employed.
3) 3 Months Bank Statements
4) Financial Worksheet of Income & Expenses
5) Hardship Affidavit
So what is going to happen when you recieve a mortgage loan modification through FHA - HAMP? First, you will be placed in a temporary loan modification payment plan, and after you make the first 3 payments under your new plan, FHA-HAMP can be completed.
Your mortgage will be altered to a 30 year fixed rate to a (proposed) front end DTI of 31%. You must verify that your back end (proposed) DTI is below 55%.
What specifically does this signify? Your "front end" DTI can be determined by dividing your home mortgage expense by your pre-tax income. Your "back end" DTI can be determined by adding the sum of all of the monthly payments that show up on your credit report by your gross income - e.g. - credit cards, automobile loans, and other mortgage loan payments.
Conversely, to work out what your new payment will be, simply multiply your gross income by 31 percent!
Ok, I know that was a good deal of information, so we're going to abridge with a "To-Do List":
1) Confirm that you hold an FHA loan, and that your Mortgagee (mortgage lender) is FHA - Approved.
2) Your home mortgage must be at least 1 payment late, but not more than 12 payments late.
3) Make sure your home is 1-4 units, that it is your primary and only residence, that you've had the loan for 1 year, and you haven't previously modified under HAMP.
4) Write out the hardship affidavit, write a hardship letter, document your income, completed a financial worksheet, include bank statements and submit the package to your mortgage holder!
5) Get your loan modified!
The remnants of the information out there on FHA - HAMP is pertinent, but not necessarily stuff that has to be grasped to get a loan modifications through the government program. For example; your servicing bank will determine how to get to the goal 31% payment by giving you a 30 yr or 40 yr fixed term and the calculated fixed rate, and may have to lower your principal to help you qualify for the payment you need to be financially stable. For more information, contact ModificationZoom toll free at (866) 760-9099.
ModificationZoom is not a Government Agency, but we do understand the ins and outs and loopholes of FHA - HAMP, and can help you.
Alright, now you're ready to rock and roll with the FHA Home Affordable Modification Program (HAMP).
Duties of a Foreclosure Paralegal for the Real Estate Education
Should you need to know the work profile of a foreclosure paralegal and what do they exactly do? These persons are practically nothing but legal assistants to people lawyers who deal with cases related to foreclosure. Even though several persons have this extremely wrong concept about foreclosure paralegal, they consider their job is some thing really basic and related on the paperwork at the desk, but in reality there's more to it. In fact, it won't be wrong to say that the work of the foreclosure paralegal would have many impact over a case dealings from the lawyers end. This can be the reason why most law companies are really specific in picking foreclosure paralegals, mainly because they need complete efficiency during the candidates end and certainly the standards have to be well met.
The standards set by every with the law corporation may possibly not exactly be the same. This approaches that you need to ensure that you simply live as much as the expectations on the law company which you want to work at. A perfect resume does help, but how you present yourself in terms of the skills you know, which is what will probably be considered. So, if you are mentally prepared to get into the show of the foreclosure paralegal, then you ought to contact the most law organization for openings.
The openings these days are many, whilst the recession period did discover being a huge blow over a market. Today, once items over an economic front glimpse a bit settled, the work openings have increased in number. So you ought to put your best foot forward and make your way up to the article on the foreclosure paralegal.
The needs for this write-up aren't any different from what's usually expected. The candidate requirements to preserve a paralegal degree which must be pursued from a reputed institution. Actually you get bonus elements to become a pass out from a reputed institution. Apart from that, should you were part of the training program, which could be an additional point that would help, you stand a far better chance.
Previous jobs experience does discover as important, but to your fresher as well, should you are able to offer yourself inside a confident manner, then it is possible to get the job. It's all about how good you will be at facing the interview round, to your bit of nervousness may possibly cost you losing out on the work interview.
The greatest place to discover for job openings related to foreclosure paralegal or just about any job, you are able to appear up for them on the internet. Gone are those people days after individuals need to ruffle from the pages of a newspaper and circle the employment openings from the classified section. Today, it is possible to get needed facts inside a matter of few seconds on-line and you can be certain of owning the most interview calls during the most reputed law firms.
The interviews rounds require preparation, so you should are fully prepared. For getting an advice in accordance with what it is like, ask an individual who has gone through it already.
The standards set by every with the law corporation may possibly not exactly be the same. This approaches that you need to ensure that you simply live as much as the expectations on the law company which you want to work at. A perfect resume does help, but how you present yourself in terms of the skills you know, which is what will probably be considered. So, if you are mentally prepared to get into the show of the foreclosure paralegal, then you ought to contact the most law organization for openings.
The openings these days are many, whilst the recession period did discover being a huge blow over a market. Today, once items over an economic front glimpse a bit settled, the work openings have increased in number. So you ought to put your best foot forward and make your way up to the article on the foreclosure paralegal.
The needs for this write-up aren't any different from what's usually expected. The candidate requirements to preserve a paralegal degree which must be pursued from a reputed institution. Actually you get bonus elements to become a pass out from a reputed institution. Apart from that, should you were part of the training program, which could be an additional point that would help, you stand a far better chance.
Previous jobs experience does discover as important, but to your fresher as well, should you are able to offer yourself inside a confident manner, then it is possible to get the job. It's all about how good you will be at facing the interview round, to your bit of nervousness may possibly cost you losing out on the work interview.
The greatest place to discover for job openings related to foreclosure paralegal or just about any job, you are able to appear up for them on the internet. Gone are those people days after individuals need to ruffle from the pages of a newspaper and circle the employment openings from the classified section. Today, it is possible to get needed facts inside a matter of few seconds on-line and you can be certain of owning the most interview calls during the most reputed law firms.
The interviews rounds require preparation, so you should are fully prepared. For getting an advice in accordance with what it is like, ask an individual who has gone through it already.
Saturday, May 5, 2012
Shopping Is A Way To Relax
Is it any surprise that shopping can be considered therapy? In fact, many individuals swear by what has been dubbed "retail therapy." Of course, as with anything, excess can lead to trouble. As long as a person shops in moderation and with the right attitude, this activity can be a helpful way to regain emotional balance. It doesn't even have to be particularly expensive. There are various rituals that often accompany hitting the stores including having a cup of coffee and people watching.
Therapeutic techniques such as shopping can lower blood pressure, lift a depressed individual out of the doldrums, and recharge energy levels. When a shopper enters markets, clothing boutiques, or antique stores, they can get out of their own head and into the world. For example, going to a farmers' market is a great opportunity to view the earth's abundance in the form of fresh vegetables, fruits, and flowers. This can provide sensory delights and touchable evidence that seeds planted and tended will grow. Not only is this lovely to see, smell, and, if you purchase, taste, it's also a great metaphor for how to live life. In clothing boutiques, it's soothing to see and touch fabrics as well as to try on clothes. Seeing oneself in the mirror with attractive blouses, pants, or hats on can lift the spirit. Perusing antique stores is similar to going to a museum. Viewing the wares gets a person in touch with history and all the people, places, and things that were here on the planet long before us.
Having an espresso, latte, or chai tea alone or with a friend can provide a relaxing break during a day of shopping. The taste of the warm and comforting liquid and the feeling of the ceramic or Starbucks cardboard cup add another layer of enjoyment to an excursion. If a shopper is sharing the experience with a friend, it's a great way to connect, catch up, and chitchat about the state of the world. Having strong social ties contributes to a healthy life. If an individual is shopping alone, sipping one's brew is a great time to people watch. Observing our fellow humans' behaviors and interactions can be more entertaining than watching a movie.
Even individuals who are on a budget can have a good time in the stores if they plan carefully. Step one is to decide how much can be spent before setting foot in the stores. It's helpful to only carry cash and to leave the credit cards at home. Once the cash is gone, it's time to stop buying. It's fun to shop even without spending money. Window shopping is a term that refers to viewing the merchandise in the store displays as an activity. Individuals who set up these displays are often talented artisans. Viewing these artful arrangements is similar to going to an art gallery showing. Even if a person isn't planning to buy items that day, checking out window displays can be an entertaining experience.
Therapeutic techniques such as shopping can lower blood pressure, lift a depressed individual out of the doldrums, and recharge energy levels. When a shopper enters markets, clothing boutiques, or antique stores, they can get out of their own head and into the world. For example, going to a farmers' market is a great opportunity to view the earth's abundance in the form of fresh vegetables, fruits, and flowers. This can provide sensory delights and touchable evidence that seeds planted and tended will grow. Not only is this lovely to see, smell, and, if you purchase, taste, it's also a great metaphor for how to live life. In clothing boutiques, it's soothing to see and touch fabrics as well as to try on clothes. Seeing oneself in the mirror with attractive blouses, pants, or hats on can lift the spirit. Perusing antique stores is similar to going to a museum. Viewing the wares gets a person in touch with history and all the people, places, and things that were here on the planet long before us.
Having an espresso, latte, or chai tea alone or with a friend can provide a relaxing break during a day of shopping. The taste of the warm and comforting liquid and the feeling of the ceramic or Starbucks cardboard cup add another layer of enjoyment to an excursion. If a shopper is sharing the experience with a friend, it's a great way to connect, catch up, and chitchat about the state of the world. Having strong social ties contributes to a healthy life. If an individual is shopping alone, sipping one's brew is a great time to people watch. Observing our fellow humans' behaviors and interactions can be more entertaining than watching a movie.
Even individuals who are on a budget can have a good time in the stores if they plan carefully. Step one is to decide how much can be spent before setting foot in the stores. It's helpful to only carry cash and to leave the credit cards at home. Once the cash is gone, it's time to stop buying. It's fun to shop even without spending money. Window shopping is a term that refers to viewing the merchandise in the store displays as an activity. Individuals who set up these displays are often talented artisans. Viewing these artful arrangements is similar to going to an art gallery showing. Even if a person isn't planning to buy items that day, checking out window displays can be an entertaining experience.
Friday, May 4, 2012
Fast Auto Loans
Some times we apply for some external financial help to get our dream of driving own car fulfilled, but due to one or other reason everything does not go easily. And it takes months to get the required financing for car. Now you can take a breath of relief with the introduction of fast auto loans in auto market. The time taken to get money transferred to your account is minimal in this case. All other features of theses loans re same as that of any other auto loan.
What is there for you?
In very simple words you car is waiting there for you. Yes, you will get all the financing required to buy a car of your choice either new or used one through fast auto loans. And all these help will come at very minimal charge involved. These loans are normally of type secured. You have to pledge you car as collateral against the car. Once you choose your car other features of the loan will be decided.
You have an option to choose between short term and long term auto loans. With short term auto loans you will get a time period of 4 to 5 years to pay the money back and interest rate involved will be some how high here. But in case of long term ones this is not the case. You can pay the money back within 10 to 25 years and rate charged against you will also be less here.
Fast availability:
As already said fast availability of these loans is what makes them so much popular among customers. Because of this reason only lenders are coming online to be more accessible. You can go through all the quotes available in market within hours and select the one among them having lowest figures attached. It is really fast in this case.
What is there for you?
In very simple words you car is waiting there for you. Yes, you will get all the financing required to buy a car of your choice either new or used one through fast auto loans. And all these help will come at very minimal charge involved. These loans are normally of type secured. You have to pledge you car as collateral against the car. Once you choose your car other features of the loan will be decided.
You have an option to choose between short term and long term auto loans. With short term auto loans you will get a time period of 4 to 5 years to pay the money back and interest rate involved will be some how high here. But in case of long term ones this is not the case. You can pay the money back within 10 to 25 years and rate charged against you will also be less here.
Fast availability:
As already said fast availability of these loans is what makes them so much popular among customers. Because of this reason only lenders are coming online to be more accessible. You can go through all the quotes available in market within hours and select the one among them having lowest figures attached. It is really fast in this case.
Thursday, May 3, 2012
Is It Possible to Qualify for a Mortgage with No Pay Slips?
Planning to take out a loan? Before you proceed, you need to make sure you will be able to meet all the requirements of lenders. One of them is showing proof that you have a stable income by being employed. You'd have to present an employment record and submit certain documents like pay slips and tax returns.
This is how the normal process of loan applications goes. Those who cannot adhere to the requirements are usually denied their request. This is because lenders have probably found them unfit for a loan. The most common reason is the lack of evidence that they have the financial ability to repay the loan. And they base their decisions on whether or not the borrower is able to produce the necessary documents.
But what about those who have money but without documents like pay slips? Will they be denied loans? It shouldn't be since the whole point is to prove you have money for the repayments, right?
Ideally, there should be no problem as long as the source of income is established. However, being worried as they are, lenders want to make sure that they have enough proof to show strong financial status. Saying you have money and a job that pays well is not enough. Your requirements need to show that.
This is where things can go wrong for a lot of people. How do you think you'd be able to take out a mortgage with no payslips or any other document?
This can really be a challenge for a lot of interested homebuyers. But there is a solution to this. If the typical lender does not want to give you a loan, then look for another one.
Know that there are many other lenders out there who are willing to gamble on you. They're more lenient and would look for other things that would show you have the ability to pay off a loan.
It's all right if you do not have any pay slips. They'd understand that you might have a job that is not like other people. You could be a casual worker or get more money form bonuses. They will not be too strict about certain policies and would look for ways on how they can actually help you.
Based on the other proof you can provide, they will assess your financial situation and, hopefully, award you with the loan. It's not really hard to do it especially when you have a mortgage broker to help you.
It's really advisable that you seek the help of mortgage brokers because they know how to go around these types of problems. They now which lenders offer alternative solutions like unusual employment mortgage.
They will convince lenders that you are fit to receive a loan. They can even negotiate for the most competitive rates and allow you to borrow as much as 90% of the property value.
With their help, you can still take out a mortgage with no paylips or any other documents that typical lenders are going to ask from you.
It will definitely make buying a house a lot easier.
This is how the normal process of loan applications goes. Those who cannot adhere to the requirements are usually denied their request. This is because lenders have probably found them unfit for a loan. The most common reason is the lack of evidence that they have the financial ability to repay the loan. And they base their decisions on whether or not the borrower is able to produce the necessary documents.
But what about those who have money but without documents like pay slips? Will they be denied loans? It shouldn't be since the whole point is to prove you have money for the repayments, right?
Ideally, there should be no problem as long as the source of income is established. However, being worried as they are, lenders want to make sure that they have enough proof to show strong financial status. Saying you have money and a job that pays well is not enough. Your requirements need to show that.
This is where things can go wrong for a lot of people. How do you think you'd be able to take out a mortgage with no payslips or any other document?
This can really be a challenge for a lot of interested homebuyers. But there is a solution to this. If the typical lender does not want to give you a loan, then look for another one.
Know that there are many other lenders out there who are willing to gamble on you. They're more lenient and would look for other things that would show you have the ability to pay off a loan.
It's all right if you do not have any pay slips. They'd understand that you might have a job that is not like other people. You could be a casual worker or get more money form bonuses. They will not be too strict about certain policies and would look for ways on how they can actually help you.
Based on the other proof you can provide, they will assess your financial situation and, hopefully, award you with the loan. It's not really hard to do it especially when you have a mortgage broker to help you.
It's really advisable that you seek the help of mortgage brokers because they know how to go around these types of problems. They now which lenders offer alternative solutions like unusual employment mortgage.
They will convince lenders that you are fit to receive a loan. They can even negotiate for the most competitive rates and allow you to borrow as much as 90% of the property value.
With their help, you can still take out a mortgage with no paylips or any other documents that typical lenders are going to ask from you.
It will definitely make buying a house a lot easier.
Wednesday, May 2, 2012
Legal Recourse After Wrongful Repossession
The recent economic downturn has created financial difficulties for many consumers. As a result, the number of vehicle repossessions has increased in recent years. There is also evidence that a higher number of wrongful repossessions are taking place, which presents problems for consumers who may not fully understand their legal rights and consequently may fail to act when their vehicles are wrongfully repossessed. In most cases, lenders cannot repossess your vehicle unless certain conditions are met; these include:
your loan must be in default at the time of the repossession
if late payments have been repeatedly accepted, the lender must give you advance warning in writing of their intent to repossess the vehicle
Also, some actions taken by the repo company may also be illegal. For example, the repossession company can't threaten you or your family with physical harm or use force against you. Repo companies are also forbidden from breaking into your home or locked garage or using a master or duplicate key to gain entry to a locked area. These acts are considered a breach of the peace and usually lead to a wrongful repossession .
If my vehicle was wrongfully repossessed, what should I do?
If you believe the lender or repossession company acted improperly in repossessing your vehicle, it's essential to obtain competent legal advice about your options. An attorney specializing in consumer credit and repossession issues can advise you about your legal rights, including the right to sue the lender or repossession company for damages. You may be able to collect damages that can sometimes exceed the value of the repossessed vehicle and any deficiency balance you owe.
Document every interaction you have with the lender and the repo company. This information will be important in the event you do end up in court. And if an agent of the repossession company or the lender broke into your property illegally, make sure to report this to the police. Even though law enforcement officials will not usually interfere in repossessions, having the complaint on record can help your case in any legal proceedings you decide to pursue. If you or any of your family members have been assaulted or harassed by the repo company, report these actions to the police department as well.
your loan must be in default at the time of the repossession
if late payments have been repeatedly accepted, the lender must give you advance warning in writing of their intent to repossess the vehicle
Also, some actions taken by the repo company may also be illegal. For example, the repossession company can't threaten you or your family with physical harm or use force against you. Repo companies are also forbidden from breaking into your home or locked garage or using a master or duplicate key to gain entry to a locked area. These acts are considered a breach of the peace and usually lead to a wrongful repossession .
If my vehicle was wrongfully repossessed, what should I do?
If you believe the lender or repossession company acted improperly in repossessing your vehicle, it's essential to obtain competent legal advice about your options. An attorney specializing in consumer credit and repossession issues can advise you about your legal rights, including the right to sue the lender or repossession company for damages. You may be able to collect damages that can sometimes exceed the value of the repossessed vehicle and any deficiency balance you owe.
Document every interaction you have with the lender and the repo company. This information will be important in the event you do end up in court. And if an agent of the repossession company or the lender broke into your property illegally, make sure to report this to the police. Even though law enforcement officials will not usually interfere in repossessions, having the complaint on record can help your case in any legal proceedings you decide to pursue. If you or any of your family members have been assaulted or harassed by the repo company, report these actions to the police department as well.
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