Saturday, September 29, 2012

Same Day Loans - Avail Stress Free Cash Advance Within 24 Hours

Is the nature of your need quite urgent? Do you require monetary assistance as your salary day is still far away? Without thinking much, just apply for same day loans. BY going for this fiscal service, the borrower would avail stress free cash advance within 24 hours. The money comes to you in the most hassle free manner.

The borrower would get hold of credit that falls between the range of 80 and 1500. One has to settle the amount of same day loans in a span of 1 to 30 days. The borrower gets a sanction for the sum that is as per his settlement capacity and monetary situation. By putting into use the fetched sum, you can solve your small monthly needs until your next payday. You can pay your household and utility bills, can get small house modifications done, can send the car for a repair job and so on.

The process of application is quite simple with a free of cost and no obligation online that has made available to you on the website of the money lender. Fill the form with your genuine personal details. You can do it from the comfort of your home or office. Once the process of verification is over, the borrower gets an approval. In as less as 24 hours, the money comes into your bank account

The process of credit check is not followed here. Imperfect credit situations such as IVA, CCJs, missed payment, late payment, payment overdues, arrears, insolvency, arrears, foreclosures, bankruptcy and so on are not considered in the process of money lending

AS the mode of transfer of funds is online, there is o hassle of paperwork and documentation. The money lenders have a flexible approach as far as any kid of filling and faxing issue is concerned.

Thursday, September 27, 2012

Bad Credit Cell Phone Contracts You Can Have

Everybody deserves a second chance at just about anything, including your credit status. If you happen to have bad credit and think that there's no way you can ever get a decent cell phone service provider, you are wrong. There are actually companies that offer bad credit cell phone contracts at reasonable and agreeable rates.

One such cell phone service provider that offers bad credit cell phone contracts does not deny anyone service. So if you want a second chance then it's a good idea to go with one of their cell phone plans.

There are basically two types of cell phone plans being offered by this company. The one that involves dealing with bad credit cell phone contracts is the Post-Paid, or contract, type plans. With these plans, you will need to sign a contract stating your intent to pay the bill after you have used the service that is why your credit history matters. The advantage of this plan is that you get to use the phone before paying the bill. An additional feature of this plan is also that you can get free cell phones, if you have good credit.

The next type of cell phone plan is called the prepaid plan, and it has a lower monthly cost in comparison to the post-paid plan that comes with a contract. Because prepaid service has no contract, it's best for individuals who have credit issues. But more and more folks with excellent credit are going to pre paid plans because the plan rates are so much cheaper. If you're low on cash and have some bad debt, choose the prepaid plan because it won't cost you more based on your credit.

When you are looking for bad credit cell phone contracts consider your own ability to pay. There is a company that will give you a contract plan if you want one but you won't get the cell phones free and post paid (contract) plans come with higher plan rates for everyone regardless of your credit.

Bad credit cell phone contracts can cost as little as per month. If you tend to use the cell phone a lot to make tons of phone calls, then try going unlimited. You'll get unlimited pre paid for less than per month.

They also offer nationwide 3G and 4G coverage and excellent customer service that will attend to your daily needs and inquiries. In addition, its services are completely within reach because they offer their products and services online. Just check out their site, view the kind of plan you want. Order and get the phone shipped straight to your home. That means you can get your phone with premium cell phone service without having to talk to anybody.

Stop worrying about your bad credit. Work with people who are willing to give you a second chance. Try Great Cell and their bad credit cell phone contracts.

Wednesday, September 26, 2012

Bowhunting Deer: Pre-rut Whitetail Strategies

The temperatures at night start to graze the bottom of the mercury barrel. The amount of available sunlight decreases on a daily basis, and whitetail bucks slowly go mad with wanton desire. Rubs and scrapes appear on the edges of fields and along trails in high-interaction areas. Deer activity intensifies during daylight hours as a sudden influx of animals crossing highways and country roads at night increases. This stage of the whitetail breeding season is commonly referred to as the pre-rut.

Selecting the right stand location at this time of year can result in a close encounter of the monster buck kind. It's an extremely exciting time to be in the deer woods. There simply is no better time to identify, isolate and exploit the common behavioral traits of mature whitetails bucks than during the pre-rut.

Although the timing of the rut fluctuates across North America -- the farther one travels south, the later the rut occurs -- the tactics described here will work throughout the entire range of the white-tailed deer.

We all know what happens during the rut. Bucks are running around like wild dogs in a helter-skelter manner, chasing every hot doe that crosses their path for miles. Sure you see a lot of bucks during this time of the year, but patterning those bucks and trying to close-in on one particular buck is a nightmare at best.

So why am I discussing pre-rut whitetail deer tactics in the middle of February you ask? Because there is no better time to be searching the woods for the sign that will lead you to a pre-rut stage monster buck this coming fall than right now!

Buck Lairs

Continuously monitoring and scouting various trail systems can lead to areas that big bucks prefer to roam. Virtually living solitary lives for most of the year, big whitetails often select the nastiest, most impenetrable piece of real estate in an area to call home. These areas are normally located in sections of timber where deer feel safe.

Cedar swamps, standing cornfields, briar thickets, brush-choked streambeds and pine plantations are all areas that offer protection and provide concealed daytime movement. For this reason, bucks will often establish their bedding areas -- or core areas -- nearby. Mature animals will routinely use this type of cover to move from one section of the woods to another.

Although bucks tend to let down their guard during the heat of the rut, safety is still their No. 1 concern throughout the pre-rut period. The odds of arrowing trophy deer are excellent in places where they feel secure. Identifying and studying these areas will earn you the opportunity to harvest a true wall hanger.

Setting up over trails that link feeding and bedding areas can still produce good results. Bucks will continue to use early-season trails, making short visits at food plots and crop fields as they slowly extend their range into neighboring territory. These excursions focus on assessing the breeding status of local doe concentrations, and storing energy for the rigors of the upcoming rut by quickly consuming high-energy chow.

In most cases, trophy bucks choose to travel on less-defined trails that skirt heavy cover. Rarely will you see a mature deer traveling through open timber or crossing an open field at this time. Keeping a low profile is standard operating procedure, but the one weakness bucks have in sustaining an anonymous lifestyle is the uncontrollable habit of leaving behind evidence of their existence. Accurately interpreting and processing this information can be a tremendous aid in devising a plan of attack.

Solving The Puzzle

The most difficult aspect of hunting trophy whitetails is interpreting deer sign. Developing this skill will take time and experience. By using a little creativity you can learn to evaluate and eventually exploit the sign that bucks yield in the wake of their travels.

Imagine interpreting and processing deer sign as constructing a giant jigsaw puzzle. The wooded terrain and natural food sources of a certain area make up the main body and outer edges of the puzzle. The final pieces include rubs, scrapes, trails and bedding areas. Normally the edges of a puzzle are the easiest to identify and arrange. The task becomes more challenging and reveals more of the impending scene as you work towards the center. Gathering bits of information and applying the acquired knowledge will lead to a specific strategy for solving the puzzle. In one case it may be a beautiful mountain vista or prominent landmark. In the other, a trophy buck.

I personally focus my attention on finding fresh rubs while on scouting forays. Rubs are one of the few distinguishing pieces of evidence that verifies antlered animals are frequenting a certain locale. From the time their antlers harden in early September until they cast them in late winter bucks will make rubs. Saplings, fence posts, power line poles and a wide variety of scrub brush fall victim to their abuse. Taking advantage of a buck's natural tendency to create these spontaneous woodland sculptures is the answer to consistently taking bragging-size bucks during the pre-rut.

Scrapes are also an indication that bucks are working an area. Studies have shown that the majority of activity in and around a scrape generally occurs under the cover of darkness. Yearlings and immature bucks will visit scrapes on a regular basis, but mature animals tend to shy away from these locations during daylight hours. For this reason, rubs normally offer a more reliable means of plotting travel patterns than scrapes.

However, during a recent hunt in northern Missouri, I witnessed several large bucks visiting a primary scrape at various times of the day, including the first hours of daylight in the morning and the last few hours before sunset in late afternoon. One of the aforementioned bucks sported a massive, bone-white set of antlers whose rack would score somewhere in the high 160s as a 10-point typical. I had definite plans of harvesting this particular animal, but due to a perplexing attack of impatience I wound up shooting a lesser deer only to have the big 10 show up under my stand moments after harvesting the smaller buck.

In this case, I learned that there are simply no absolutes when it comes to bowhunting trophy whitetails. Anything can happen at anytime. An example of this -- as stated previously -- are the many studies that substantiate the frequency of nighttime scraping activity by mature deer. Yet those north Missouri bucks were brazenly working their scrapes during broad daylight without a care in the world.

So when pursuing trophy bucks with archery equipment it's best to keep an open mind for every possible opportunity to be able to capitalize on the habits of the deer in your particular area. This type of mindset is yet another key to outwitting pre-rut whitetails.

Search and Enjoy

One of the most productive times to search for deer sign is immediately following the bow season. Another is during the spring. In the early stages of spring, the woods appear in basically the same condition as they did during the previous bow season. Rubs, scrapes and trails are exposed and are easily identifiable. This time of the year also offers yet another opportunity to legally harvest the prized headgear of virtually every buck in your hunting area. This highly enjoyable, early spring activity I'm referring to is widely known in the bowhunting ranks as shed hunting.

Hunting for shed antlers has become one of the fastest growing pastimes of an ever-increasing number of outdoor enthusiasts. Serious bowhunters, nature lovers and those who seek to profit from these complimentary woodland souvenirs are among the most recognized of today's burgeoning legion of bone collectors. With a formal record book in current production that is solely dedicated to shed antlers, and a separate category that officially recognizes them as stand-alone trophies, the one-time leisure pursuit of a few adventurous individuals has now become an extremely competitive arena.

Scouring the woods for these naturally abandoned gems of the whitetail world definitely has its advantages for archers seeking trophy bucks. Finding a single shed -- or if you're lucky enough -- a matched set of antlers will positively confirm that a certain buck has survived the hunting season. Also, simply knowing that a particular buck is still alive and well, and is residing in your hunting area on a consistent basis, will significantly increase your odds of killing him next bow season. Yet another reward for your efforts is the beautiful addition that shed antlers make to any trophy room. Attached to the skull plate or displayed on a mantle or laid out on deer hide covered coffee table makes no difference to me. Antlers are eye-popping works of art that are just plain cool.

Unfortunately, the exploration of every hunting spot prior to the season is not possible, leaving many pieces of the whitetail puzzle missing or out of place. In this case, you must switch gears and start to look at things from a different perspective. Scouting just prior to, or during the open season, is tricky business. One wrong move could ruin a spot for the entire year. Yet there is a way to get the drop on the resident deer herd with only marginal amounts of disturbance.

Rubs made the previous fall are the keys to locating hot spots in unfamiliar territory. Fresh rubs are much better, but one of the easiest ways to pinpoint productive stand sites in a new area or when the season is fast approaching is by tracking down old rubs. Old rubs provide valuable clues to unlocking preferred travel corridors. The logic behind this method relies on the habitual nature of deer. A spot that held bucks in the past will usually hold them in the future if the deer still feel secure while moving through the area.

Stand Placement

The location of rubs is more important than their size. A big rub is a relatively accurate measure of the quality of animal you are pursuing. On the other hand, big rubs can only tell you where a good buck was, not where he is going to be on a regular basis. Rubbing activity normally takes place under the cover of darkness along field edges. Bucks often stop and make rubs when exiting a field in the morning. Although the eye-catching fallout from these late-night calisthenics can be very impressive, don't bank on seeing the buck during daylight hours at the edge of the field.

Prime locations are easily identifiable, but not as easy to find. It will take a fair amount of dedication and legwork to uncover areas where big bucks spend the majority of their time. Relying on rubs will eventually lead to the center of a buck's bedroom. Bucks tend to mark the perimeter of their bedding areas with rubs. There will usually be a line of rubs leading into and another line leading away from a bedding area. Concentrate on clusters of rubs adjacent to heavy cover or a line of rubs leading into similar terrain. Setting up within close proximity of the trail, or trails, that link these rubs can lead to a close range shot at a good deer.

Be thoroughly discriminate in the process of stand selection. Set up 15 to 20 yards from the edge of the trail or line/cluster of rubs. Choose a tree that takes advantage of the prevailing wind direction. Make sure the thermals will blow your scent away from the deer and their expected route of travel. Place the stand in a spot that allows immature and non-antlered specimens of your quarry to pass by without detecting your presence. The goal is to catch the buck on his feet during legal shooting hours. To increase your odds of success, place a stand as close to the buck's bedding area as possible without tipping your hand. Couple the location with fresh rut sign and sit tight.

To maintain a productive stand site, consider the following advice: Make sure to alter your entry and exit routes to and from your stand to keep the deer guessing. Try and keep noise to a bear minimum while in close proximity of the ambush site. Take every precaution necessary to avoid contaminating the area with human scent. Wash all hunting clothes in baking soda, or similar agent, and apply scent-eliminating sprays. Don't over-hunt the stand or allow the deer to pattern your movements. Avoid touching low-hanging branches or saplings to reduce the risk of dispensing alarming odor on surrounding vegetation. And, [I, personally,] always wear a pair of Elimitrax or scent-free footwear to conceal [my] your footpath.

Going to these extremes will boost success rates. It will also prevent the contrasting reality of enduring long, unproductive vigils of babysitting vacant woodlots during the pre-rut.

Sunday, September 23, 2012

International Luxury Brand and Replica Handbags in Shanghai and Commander

Introduction: Recently two months, LV, Chanel, Dior, Prada and other international luxury brands are often expanded store in Shanghai, upgrades flagship store.

Bright lights of the World Expo, Shanghai became the focus of the world's richest - Last week, several Russian tycoons open a private jet to see the World Expo Shanghai has become the latest judge footnote. Rich areas of concern, luxury brands will naturally fight endlessly.

Luxury brand flagship store in Shanghai rush expansion

For LV and other companies to build global flagship store, "Teng land", the Hang Lung Plaza is located in Jingan District has become the largest number of high-end brand shopping. At the same time, the replica handbags group investment Hisayoshi center broke ground in Hongqiao.

Massive scramble in the business district in Shanghai, while top-brand store, the original occupation of Shanghai's Jingan District luxury Heights, proposed to extend the industrial chain up the ambition, desire to gather a group of design, display, publishing the most value industry. Luxury Commander has just begun.

The past two months, the Shanghai luxury enclosure intensified. Replica Louis Vuitton handbags before the Expo has increased in Lujiazui, Huaihai Zhong Road, and to open flagship store, Chanel IFC Center in the Pudong opened a new boutique. Not really fast and even luxury fashion brands have also prepared a share, last weekend, the Japanese brand Uniqlo the world's largest flagship store in Nanjing West Road, the commercial opening of Tom Lee, and even the World Expo will have the line up scene. In the Hongqiao, LVMH Kerry Centre, Shanghai still has ground-breaking commercial real estate projects, the future of LV, Fendi, Givenchy and other top brands in the group exposed himself.

Other business district in Shanghai have to upgrade the brand level, which originally led to the trend of the Hang Lung Shanghai luxury including quite a number of old shopping pressure. However, slightly quiet before the West Nanjing Road, but is quietly starting a new round of adjustment.

Jingan District Business Committee, said the person, the top five shopping centers along Nanjing West Road are being expanded international brand stores, upgrade its domestic flagship store flagship store in the world. For example, Hang Lung Plaza on the plan to upgrade the existing LV flagship store, which will transform the world's only one of the top 20 flagship stores, shopping centers 1 to 4 floor will have the LV store. Previously, Hang Lung has incorporated Fendi flagship store in Asia, with Asia the only fur lounge.

Hang Lung Prada also expanded its flagship store in Shanghai only. "As a result, the Hang Lung will be the largest concentration of high-end brand shopping." The person said.

But last Friday the opening of the world's top Dior flagship store design and decoration will only cost 10 million. Shop designers spent a year meticulously carved scene of internal sales. At the same time, the brand of fake handbags also appeared in the market, including imitation brand lv, replica Coach handbags.

Jingan To build the world fashion capital

Jing'an Temple area is a group of commercial projects under construction efforts continue to gain popularity for the Jing. It is understood, Wheelock Place 4-storey high-end dining, deputy floor will be opened and the luxury brand retail business. So far, more than 10 internationally renowned for settled.

But in view of Wheelock of the total area of 11 square meters of grade A office space based on the theme malls to be let 1-2 entire independent flagship shop.

Saturday, September 22, 2012

Real Estate Investors: How to Write Attention Grabbing Newspaper Ads to Attract Motivated Sellers

Here are some suggestions for creating attention grabbing headlines for a newspaper ad:

"Sell your house as-is for a fair price on the date of your choice."

"A free report reveals how to sell your home in seven days."

"Do you want a quick sale, fair price, no hassle? We buy houses."

"Discover how you can sell your house in the next seven days."

Here's a classic one:

"Warning, if you wait, you might lose what you could have now. We buy houses in seven days."

"Would you like a sold house in the next seven days?"

"Secrets to making your next mortgage payment."

"Home won't sell? This time next month you could have your house sold."

"Cash. I will buy your house in seven days for cash."

"Avoid being a victim of another expired listing." This is obviously earmarked for expired listings.

"Sell your house as is for top cash in 14 days or less."

"Seller shocked by home not selling. Free report reveals how to sell your home in the next seven days. Get cash so you can move on."

Those are literally, in many cases, the headline and the body of the ad. After that, you simply would put a phone number, your phone number if you want, or your voicemail recorded phone number with box. You might say, "1-800 blah, blah, extension 105," and/or you could put your website.

Typically I would put the phone number with the extension and the website. That gives the person two options to respond. I think that's enough. If they're interested, they'll clearly figure it out. If they're computer savvy, they might go to the computer. If they just want to reach out to you, if there's a real sense of urgency, typically they're going to call.

I will put this piece of paper with about 30 different ads that I've used on the website so you've got that. Also, as part of this, I'm going to upload a one-page sheet of paper that I used many, many times. It's kind of my cheat sheet for how to develop headlines, powerful headlines, how to use words in the headlines that are powerful.

There are 10 words that you should all know that are a part of your headline. On this sheet are those 10 words. You need to incorporate those into your headlines. There are about a dozen or so what I call "headline starters." I'll just read those off to you. This is the way you would start your headline in terms of newspaper ads or some of the other things we'll be doing.

Headline starters include:

- Announcing - How-to...
- 17 ways to... (could be 3 ways, 5 ways...)
- An amazing...
- A little secret...
- The secret of...
- At last..
- Now....
- Now at last... (put the two together)
- Here... (you're going to combine another one) -
- Here are 17 ways to...
- The art of...
- The startling fact about...
- New... (new is always a very good headline)

Particularly in a newspaper ad, where you don't have a lot of space, you have to have a very powerful headline. Again, always test. If you put your newspaper ad out there and you don't get any calls the first couple of weeks, it's one of two things.

One, it's the wrong newspaper. The way to figure that out is, are there other real estate investors advertising in that paper? If there are other real estate investors advertising in the paper, it's a good indication that's it probably working. If you're the only real estate investor in that paper, maybe it's an indication for whatever reason that paper is not going to cater to potential sellers.

Obviously, think that through a little bit. Use these various tools that I'm giving you in terms of crafting your headlines to make sure they've very powerful. Again, test, test and test.

Wednesday, September 19, 2012

Corporate Serviced Apartments Amsterdam, Corporate Housing In Amsterdam

Corporate Serviced Apartments in Amsterdam
Amsterdam is one of the most spectacular cities in Europe attracting visitors from all parts of the world. It is renowned for its interesting history, impressive architectural monuments, amazing canals and bridges. There are few cars and more bicycles; and the peaceful environment makes it a perfect and delightful holiday location. Organizations regularly transfer or deploy employees to chosen destinations as per their business needs. Such migrants also come to Amsterdam for a project of several weeks or months; while some are relocated for several years. In both cases, they can either reside in an Amsterdam hotel or stay in corporate serviced apartments in Amsterdam.
Corporate housing in Amsterdam

Corporate housing is a furnished apartment, rented on a temporary basis for short or long durations; to individuals or corporations as an economical alternative to a conventional hotel. The corporate housing segment of the real estate industry has grown tremendously in past few years due to this need for interim housing. Expatriates require temporary housing for short stay or longer periods when they move into a new city. Corporate housing in Amsterdam provides a cost effective solution regarding this demand for temporary accommodation; during short assignment, extended business trips and while awaiting permanent residence.
Apart-hotels in Amsterdam

When you are travelling for business aims or just for pure pleasure, deciding where to stay is vital; and can really make a big difference to your visit. A serviced apartment is the right option during your visit to a new city; maybe for a day, few weeks, several months or even longer.

Serviced apartments, also known as apart-hotels are best suited for temporary, relocation and corporate housing needs. Apart-hotels in Amsterdam offer significant financial savings, additional space, privacy, luxury and convenience of a home; as compared to equivalent traditional hotels.

World Fashion Apartments is a leading corporate serviced apartment provider in Amsterdam. We offer a fashionable range of fully equipped, furnished apartments in Amsterdam; located in prime areas of the city, near the central business district and leisure zones; for corporate executives with superb amenities and professional service. Our serviced apartments are well-designed to match your specific needs based on the length of stay and size of accommodation. We provide high quality, customized solutions that include flexibility, commitment and support to suit your corporate expectations. Avoid costly hotel bills and room service charges; by selecting our elegant serviced apartments that ensure remarkable cost savings, hassle-free business accommodation and peace of mind.

Tuesday, September 18, 2012

Three Major International Business Risks You Need To Be Aware Of

Companies rapidly expanding to the global marketplace may have the great opportunities for profit, however, if unable to carefully evaluate the international business risks involve, the golden opportunity perceived may soon turn into an expensive mistake.

Doing business in the domestic marketplace may involve looking only as far as the potential customer's ability to pay and willingness to pay. When doing business internationally however, the definition of risk expands beyond customer commercial risk that includes country risk. In fact, the first thing that should be analyzed before evaluating the elements of risks associated to individual customers, is the country risk. If the country risk shows of great risk then it is senseless to continue information on the customer, but if the country risk is acceptable then the nature and extent of the country risk can help formulate the method of customer risk analysis.

International Business Risks #1 Country Risk
Approving and accepting credit to a foreign customer is also accepting the risk of the customer's country. Country risk analysis means being decisive of the country credit-worthiness in terms of the willingness and ability of a foreign government to make available to local companies' foreign exchange essential to service their foreign currency denominated responsibility or debts to foreign suppliers.

Evaluation of country risks takes into account the possibility of delayed payment or credit loss which can result from any one or a combination of four wide risk conditions such as the resource base, external accounts, political risks, and government policy. Always remember that these factors are interrelated and often overlap with each other.

International Business Risks #2 Political Risks
Analyzing the political outlook of a country maybe more important than analyzing the financial and economic matters of the country. In political risk analysis, one should look into reasonable assurance that if ever political change comes, as it always does, the change will be orderly and there will be practical continuity in basic economic and financial policies.

The possibility of suspension on external debt or even rejection should be carefully assessed. Leadership changes can also change the way in which international investment community views the economic future of the country. Wide fluctuations in currency markets can occur as well as government policies threatening to destroy investment and property of commercial investors in a country. Capital flight is inevitable usually resulting to restrictions of the country's government on the flow of currency and disruption in international trade.

International Business Risk #3 Foreign Exchange Risks
Like any other commodity, currencies also follow the law of supply and demand which is subject to economic as well as political conditions. Exchange rates can fluctuate uncontrollably, sometimes a lot of times in a day, harshly complicating a company's short-term and long-term financial strategic decisions.

The importance of analyzing international business risks should never be underestimated as all these risks have a tremendous impact on the trade of goods and services between nations and thus affecting the failure or success of a business internationally.

Saturday, September 8, 2012

Why You Need A Certified Mortgage Securitization Audit

Pro Per litigants and Attorneys fighting foreclosure in civil or bankruptcy court need a Certified Mortgage Securitization Auditor to investigate the referenced foreclosure documentation and investigate the legitimacy of claims being made by the party seeking to foreclose.

We have seen too often how a wrongful foreclosure lawsuit can have disastrous results to the borrower, because they failed to properly prepare, and present the critical evidence to support their lawsuit. A Pro Per litigant or their attorney should order a Mortgage Securitization Audit from an outside third party certified expert to answer four simple questions.

1. Has the party seeking to foreclose demonstrated a true beneficial ownership?
2. Have claims of financial interest been fully disclosed and represented truthfully?
3. Have all beneficial owners and parties been voluntarily disclosed?
4. Have all material facts, documents and agreements that govern the transaction been disclosed?

If the answer to any of the above questions is no, The Homeowners Revolt will have a Certified Mortgage Securitization Auditor perform the research and investigation to see if the foreclosing party has any legal standing to pursue foreclosure.

Our Certified Mortgage Securitization Auditors will report their findings based on facts and documentation, which should be fully admissable, because they pertain to material issues, and the documentation upon which they rely, is a source considered to be extremely credible, reliable, and easily authenticated through public information. In addition, our experts provide you with a legal affidavit of the facts, and stand ready to back up their findings in a court of law.

A Certified Mortgage Securitization Auditor oversees the audits, discovery, investigation and reporting. Our reports are more than just informative. We provide a declaration of facts attesting to our findings. Unlike other companies providing Securitization Audits, we provide SEC specific information on the trust and confirm those findings using Bloomberg data to validate the information. Bloomberg is the industry leader for sourcing Securitization information, and you must have a specialized Bloomberg terminal, in order to access the information.

We service all 50 states both judicial and non-judicial, Civil and Bankruptcy, Pre-Foreclosure and Foreclosure. We provide data other companies just won't bother to include, either because they choose not to, or they simply don't have access.

When you decide on going into battle to present the facts, make sure you arm yourself with the Weapons Of Mass Destruction you'll need in order to fight your mortgage WAR and WIN! Only by having undisputed factual evidence and information, can you expect to get the results you desire.

An audit that traces the Note and the Deed, verifies Title, pinpoints the EXACT Trust, pulls SEC specific information, and uses Bloomberg Professional, is the Weapon Of Mass Destruction you need!

Visit The Homeowners Revolt to Order your Certified Mortgage Securitization Audit NOW!

Sunday, September 2, 2012

Hamp Loan Modification Guidelines: Lender Secrets Uncovered

The key to a successful loan modification application is properly presenting your income and expenses to your loan servicer. A very slight difference in your income or your monthly spending could cost you an application denial instead of enjoying the benefits of reduced mortgage payments. Few tricks may help you to present yourself to your lender in a way that would ensure better chances of success.

HAMP Income and DTI Requirements

HAMP revolves around percentages and ratios. As it is a nationwide program, there are no individual considerations, just pure statistics mated with mathematics. The first number a borrower should keep in mind is 31%. This number represents a maximum portion of your gross monthly income that should be contributed towards your mortgage payment under HAMP. If your monthly mortgage payment is lower than 31% of your monthly paycheck, then you should not waste your time applying for a loan modification. If you are above even by 1%, then you are a likely candidate for mortgage payment reduction under HAMP provisions. Do not get too excited, though, as there are some other numbers and ratios to consider.

Excess Monthly Cash Flow Guidelines

This complex phrase means very simple and obvious thing your monthly budget, i.e. your earnings less your expenses. What you are going are going to find out here is either that you are chronically short on cash or you have some leftover money every month. No matter whether you end up being in surplus or in deficit, make sure that you play the numbers to your advantage. You should budget your mortgage as 31% of your monthly income. Your surplus or deficit should not exceed 10% of your monthly paycheck. These numbers would show your lender that you would be capable of handling modified payments without overextending yourself; otherwise, they may decline your application because loan modification would not prevent you from future loan defaults due to insufficient cash flow.

Net Present Value Assessment

Lenders utilize the Net Present Value (NPV) test in order to establish how a loan modification under HAMP would affect their bottom line. It is calculated using a complex formula that considers multiple factors to include the current market of your home, your interest rate, your mortgage principal balance, your income and expenses, and some others. What NPV test accomplishes is that it establishes the worthiness of utilizing government incentives included in HAMP for lenders. Even negligible changes to the way your expenses are calculated may result in passing of previously failed test, and vice versa. Should you fail, a lender would reject your HAMP loan modification application and present you with some alternative options instead.

Above are the major guidelines lenders abide by when making loan modification application evaluations. While there are some other things taken into the equation, complying with the major three guidelines explained above would most likely guarantee a successful loan modification. Playing with numbers may be difficult and time-consuming, but when your home is at risk it is very well worth doing, especially since adjustments to your financial statements may be done at any time preceding the loan modification decision.