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Posts Tagged ‘economy’

The Long Mile Of The Mortgage Modification Business

November 6th, 2018 Comments off

Who is there to Help Those Who are Called to Provide Help? I work at a Foreclosure Defense Law Firm which happens to also engage in the practice of Loan Modifications. I am not an lawyer nor am I here to provide or imply legal advice. The Loan Modification & Foreclosure Defense business has gotten a bad rap due to some rotting apples in the bunch but there are some of us who actually care about what we do.

It’s terrible that myself and others are subjected to the very inaccurate and fictitiously skewed perspectives that is constantly broad casted by the media without conscience to the patriotic men and women who give up valuable time with their own families in an effort to restore stability to families. The Broadcasters as a whole has been quick to tell stories that tell of bad lenders and what were once prominent mortgage lenders now well on their way to becoming cell mates at local and federal correction institutions nationwide.

But what about people like myself, people with a sincere, moral, and ethical motivation to assist their fellow Homeowners in saving their American Dream? It is amazing to see how many of us really do have an impeccable work ethic and are passionate about aiding homeowners in distress.

Not only do we deal with the bad Info of the self serving and often relentless broadcasters but many of us are faced with a tragic and sometimes devastating dilemma, the mortal fact that we are exactly that, we are only human. In my personal experience it has become difficult at times to walk away from my job at the end of the day. Every day at the Law Firm it seems there is a more horrible or unjust case than the last, but still they seem to keep coming, almost as if there were no end in sight. For anyone with a heart or anyone who is truly undaunted in their faith, although it can be spiritually and financially rewarding at times, the Foreclosure & Loan Modification business can become truly draining after prolonged exposure. To the credit of those who possess the inner strength and choose to answer the call of servant leadership, I am writing this to acknowledge the truth behind the old saying “Never judge a man until you walk a mile in his shoes.” and to add that “working a day in his suit might not be a bad idea either”.

During the course of our own personal disasters, there is a lot to be said for the idea of taking a marginal step back, and away from the situation or stepping outside one’s self to reflect for a moment that there are many variables in every equation and sometimes all is not what it seems. This is the moral of the story, to better illustrate I will share something with those who took a moment to look a little further into this article. judging my intentions based on my statements is that I and the majority of our clients could actually be considered one and the same if you were to make a generalization or attempt to categorize me.

mortgage What do I mean by that? What I am making an effort to convey is that sometimes it seems like the worst enemy a borrower can have in the courtroom is not the Lender threatening to take back the house and not even the Law Firm representing them. The worst enemy that many Homeowners face while facing a possible or impending Foreclosure is the enemy they find staring back at them in the mirror each day. That enemy is Homeowners themselves, in my experience it seems to be the most common recurrence among cases I have seen during my time working in the Foreclosure Defense industry. Homeowners and in many cases family members alike are so concerned with getting cheated that in reality they wind up cheating themselves. In conclusion I will provide you with the missing material fact which should re-calibrate even the most skeptical perspectives. In approximately 30 days from today I will be going before a judge in an effort to save my own home from a pending foreclosure which I have fought long and hard to overcome. The truth is that was my original reason for getting involved in the industry, I did it to find a solution for the Foreclosure that has been looming like a dark shadow of unknown demise over my own life. You see I too share all the same concerns and all the same fears as so many other American Homeowners do in this country today. You wouldn’t believe how often people misconstrue the sincere empathy and sense of urgency which I often tend to convey. Many misunderstanding what they sense immediately defaulting to the negative which has been cultivated by our society today. This almost automatic defense system has left many Homeowners and their families almost completely defenseless and unable to protect their homes due to their inability or refusal to act. I also have been fighting to save my last and final property that I own and live in. So in final it is with great sincerity that I offer this humble opinion. Never judge a book by it’s cover because it might end up costing you more than you thought it would ever be.

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Look To Unconventional Strategies When Purchasing Property

October 3rd, 2018 Comments off

Its hard enough just to talk to strangers, but when you add to the fact is stranger who is possibly under duress because they are in jeopardy of losing their home adds more pressure to an already uncomfortable situation.

As investors it is very essential to value that a lot of homeowners in United States are facing just this conditions, and we could be there cure-all to all their troubles.

If you knew that you had the capacity to possibly halt a foreclosure by working out a creative deal between you and the home owner, you could be a blessing they are looking for a taking a very stressful burden off their hands.

This brand of inside encouragement should give you no complexity when it comes to having to see the homeowner for yourself, writing them a letter, or if that failed, attaching a letter to their door.

What time is the Most Excellent Occasion to Involve Yourself in a Pre-foreclosure?

For the best results in the pre-foreclosure procedure, its always best to find the properties that have lots of equity. Always make sure that you cautiously research the home for sure from troubles or other related deformities that might alter your opinion of the property.

This step is important because if the homeowner is behind on their mortgage payments, if there are damages or structural problems with property, its highly possible that they will not be able to pay for the restoration needed.

When you send a letter always make sure that you’re polite, to the point, and keep an open empathy of the homeowners difficult and precarious situation. With a high increase of foreclosures in the Denver Co area the aura consideration should always be felt when writing a letter to homeowner in distress. Always try to put yourself in the homeowners choose and see how they are feeling.

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Why Learning to Trade Commodities Could Boost Your Commodity Trading Results

April 20th, 2018 Comments off

Your decision to start learning to trade commodities will give you a completely new insight into the whole world of commodity futures trading. This could be within a specific sector such as grains or precious metals or perhaps across the whole spectrum of global commodity markets. Now doubt you have heard concerns about energy security and the crude oil trade on the New York Mercantile Exchange, and of how the price fluctuations can be caused by a whole range of factors. And what causes price movements in gold, silver and other precious metals and why should cocoa or coffee futures prices suddenly surge?

If you want to achieve success in these markets, you first need to find a very good commodities trading provider. So how will you go about learning to trade commodities? What are the key knowledge areas of trading if you want to move ahead in commodity markets? Look out for locations where commodity trading training courses are available. It is more than likely you will have a choice to either attend lessons at your chosen location or study from home using an online training program .

What are the advantages of attending a commodity trading school? There is face to face contact with tutors and opportunities for one to one coaching. The coaches may either have their knowledge from courses or they have perhaps trade the commodity markets and so have real live trading experience, which is a valuable asset to have in a coach. When you learn to trade commodities in a classroom you can network with like”minded colleagues, sharing ideas with colleagues.

While on location you benefit from watching “live” trades executed by your tutors, who can give you feedback about the price action. It is arguably better to understand a technique when you observe it happening in real time, rather than in theory. Here you get a sharp edge to your learning curve in commodity trading, and the coaches can offer you help as you tailor your personal commodities trading plan. The expansion of global trading centres means that you are likely to find a training centre close to your home, such as in Dubai, Singapore, London, Toronto, as well in US cities like Philadelphia, New York, Milwaukee, Dallas and Chicago.

Let’s look at the alternative of training courses for commodity trading online. What are the benfefits here? If your commitments mean you cannot get to a centre when the courses run or you live too far from the location, the online version is ideal. When you take up this option you have maximum flexibility and you cover both technical and fundamental aspects of trading.

The online commodities trading packages most likely provide students with e mail support from the tutors along with resources like charts, blogs, forums and video to supplement the main material. Along with CDs and DVDs software may also be downloaded so students can link up with the markets and trade without committing capital.

So you are about to start learning to trade commodities. What will be covered? Broadly speaking, courses focus on fundamental analysis, that is supply and demand for commodities and how these are affected by inflation and in the case of crops, weather patterns. Traders also use technical analysis to compliment the former approach. This includes looking at commodity charts for price action, using techniques like Fibonacci numbers, Japanese candlesticks, moving averages, volume and support and resistance lines.

You will also see how easy electronic trading of commodities can be and you will learn what a futures contract is and how to place orders, set your commodity futures margin, along with an appreciation of why market participants hedge their positions. Then there is the matter of managing risk and minimising losses of capital in what are leveraged instruments. And when you start learning to trade commodities you will certainly cover the important role played by psychology when you have to stick to your commodity trading plan.

The author, William Davies, contributes articles for a blog on Commodities Trading, offering an educational resource for those keen to learn more about markets. Discover how you could begin learning to trade commodities here.

Fix Your Credit Report And Return To Sound Financial Health

February 18th, 2018 Comments off

It is important that everyone make an effort to fix credit report imperfections in order to help them appear more financially reliable. The reason why this is so important is because at any given time, a person’s credit score can effect several areas of their life. People should fix credit report issues so they can live a life free of financial worry.

Many employers use credit checks as part of their employment screening process. It may not be fair, but many employers see a good credit history as an indicator of reliability. This is just one of the many reasons to fix credit report issues as quickly as possible; bad credit can actually bar you from employment in some cases!

Having bad credit can keep you from securing the financing you need to purchase a home or a new vehicle; there are few things in life which are not affected by your financial standing. Ordering a free credit report is the first thing you need to do to fix credit report problems. You can order reports which list all of the data gathered by the big three credit reporting agencies.

Once you obtain a copy of your free report, it is time to begin your credit score repair. The higher you can get your score, the better. The only way to raise your score and fix credit report problems is to take a close look at everything on your credit report. Make sure all of the information is correct before doing anything at all.

Make sure that your name and address are listed correctly and look over every negative item on your report. If you see something there which doesn’t seem right, report it to the credit bureaus at once. Mistakes do happen, even on something as important as your credit report. Credit bureaus don’t know there’s an inaccuracy on your report unless you tell them – which is why you should make a point of checking your credit report regularly and immediately acting to fix credit report errors.

The more negative items that collect on your credit report, the longer it is going to take to repair your score. It may seem as if everything is crashing down on you as far as your finances go, but it is highly recommended to fix credit report problems now before things get really bad. Just about everything shows up on a person’s credit report.

Even paying a bill which is as small as $5 late can negatively affect your credit. It might not seem like a big deal to you, but when it comes to your credit score, every little thing matters. Especially in the midst of hard times, we sometimes find ourselves falling behind despite our best intentions, but this makes it even more important to do everything you can to fix credit report problems.

Once you fix credit report issues, your life is going to get better. You can finally be approved for the new home you have been wanting for so long as well as a new and better vehicle. When you fix credit report problems, focus on weekly payments. Make sure your payments are realistic, however, it is not necessary to make huge payments. Doing this will only cause everything else to fall behind. With a little bit of time, you are sure to get the hang of improving your credit score.

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Frugal Living is Easy and Saves Money

December 17th, 2017 Comments off

There must be a million different paths to frugal living so the following are just the tip of the iceberg. To find more, you can always search the web or look through my website which have a ton of information on frugal living and saving money.

Airflow helps much more than air condition. It’s tempting to just turn on a/c but if you open the windows on both sides of the room, the temperature cools right down.

There are many free magazines around the web so you really don’t need to pay for most of them. Just search the web for free magazine offers and they will probably give you a complimentary one year subscription.

Cancel your land line because you don’t need it. Cell phone work just as well these days and unless you fax multiple times a day, staples or kinkos will do the trick for fractions of the cost.

Did you know that there are promotions from ebay that let you list items for free? You can save so much money off your listing cost which only improves your ROI.

Coupons are everywhere and you are crazy not to look before you buy online. Some give free shipping, some give bonuses and some even give deep discounts.

Don’t sell those free printers. To be honest, there are so many printers for sell these days that you won’t get much for it, not to mention that ink is ultra expensive. In order to save, you can just install the new printer, use the ink and sell the printer without the ink afterwards.

Shipping boxes are annoying to keep around the house but they are very useful when you resell your item. You may think that it’s not much money but small costs really add up.

Buying forever stamps at Costco in bulk will actually save you some money. It may not be the most efficient but it will save money for sure.

Go to garage sales and see if you can find something that you can reuse. Someone else’s trash could become your treasure. I know someone who regularly does this and her house is beautiful.

Washing machines are loud but they also use up a ton of energy. To save and waste less, just group your clothes together and do a bigger load instead. You will probably find that you can save some time as well.

Frugal Living lists ways to save more money. Personal finance guru shows you how he saves money by find promotion and promotion code.