Why Have Major Lenders Suspended Foreclosures – A New Chance to Get a Loan Modification Approved

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Why have 3 major lenders suspended foreclosures, and what does that mean for you?

Here’s the short story of why. It seems that banks were in such a hurry to foreclosure, they forgot to follow the rules. With all the work involved in taking all those homes, who would notice if they cut a few corners along the way? Well they got found out, and it turns out that many of the foreclosures they have already done or were about to do, may have no legal basis because they didn’t follow the rules.

Here’s what this means for homeowners.

If you have had a home taken by any one of these banks that include Bank of America, Chase and GMAC, contact an attorney immediately, because you may have a law suit on your hands with damages as big or bigger than the amount of your mortgage — with the possibility of rescission! What’s rescission? They may have to forgive your mortgage balance entirely, and give you your home back. Make sure the attorney you contact knows mortgage notes better than the lenders who wrote them.

If you have a foreclosure pending, or if you have received a notice of sale, and have a foreclosure auction date, the first thing to do is to call the sheriff or attorney that sent you that letter. Don’t assume anything.

Ask them if your sale is canceled. Just because you have a Bank of America loan, doesn’t mean YOUR sale is canceled unless the attorney or sheriff has actually received word that YOUR sale is canceled. In other words, they could be pulling a fast one on you. We just called about a Bank of America sale for next week and as of today it is not canceled.

In other words, you may want to still have a „Plan B“ in place. That could be having the preliminary documents so that you can file a chapter 13 bankruptcy and stop your sale on the spot. Have everything ready to go to the court house in case they are still going through with your sale. You can actually prepare these documents yourself without an attorney. That’s pretty cheap insurance (a couple of hours and the cost of some instructions).

If the foreclosure attorney hasn’t received notice of cancellation of your foreclosure sale, then call your lender. Don’t rely on them just „telling“ you. They probably won’t confirm anything. The only way to get confirmation is to establish an open channel with the foreclosure attorney who sent you the letter. Let them know you spoke with your lender who said the sale was canceled, and would they please confirm that. Then get something in writing from them. Remember that the foreclosure attorney has no authority to act on their own. They can only do what the lender has instructed them to do.

There is nothing stopping your lender from going back one mortgage at a time, and doing what is necessary to fix their compliance mistakes and shortcomings. In that case, they may be able to resume foreclose with confidence that they are in compliance.

So you may have less time than you thought.

And finally, take full advantage of the time you you have just been given. Now you may find yourself with time to get started or reapply for that loan modification. In one sentence, a loan modification changes your loan with lower payments, so you can afford your own home. This takes months, even when things go right. So DO NOT PUT THIS OFF! The more you know the less the chances are that you will do this wrong, and waste months of valuable time. Get educated, and get started!

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Source by Matt Silverman

How To Sell Used Travel Luggage

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Do you have a travel luggage that has been sitting in the back part of your closet? You should consider selling it. Many travel enthusiasts looking for a more affordable luggage will surely find your bag worth buying.

It has to be in good condition, of course. The bag should be without very visible and very significant damages. Otherwise, nobody will buy it. Here are more tips on how you can sell your used travel luggage:

1. Clean your bag first.

For leather bags, you might have to purchase a special leather polisher that can bring back the shine and lustre of the leather material. For canvas bags, simply revive the color by cleaning it in your washer using a mild detergent.

You can also vacuum your bag if it is still relatively clean. Get rid of dust inside the bag. Remove receipts or candy wrappers in the pockets. Also clean the caster wheels. Use a damp towel to get rid of crusty mud on the caster wheels.

2. After cleaning your bag, make a quick assessment on how much it should cost.

If it is still in mint condition, you should be able to sell it for more than half of its original price. There are also many travel luggage brands with a value that soars as the bag gets older. There are a lot of vintage bag collectors these days.

3. Get clear photos of your luggage.

Use a white background to make your luggage look more impressive. Make sure the room has good lighting. If you are selling your product online, you would want to impress your prospective customers with the pictures alone. You can also try borrowing a digital SLR camera so you can take more vivid photos.

4. Sell your luggage.

Make an online account in any of the numerous online stores today such as eBay, Etsy or Amazon. Upload the photos you have taken. Select the best photos. Indicate the details of the bag including the brand, the size, the number of compartments and the color. Provide details on the merits of using that travel bag.

Indicate in the details that the bag is not new and you are selling it to clear out your closet. Use words that will attract your prospective clients but do not embellish or exaggerate. Make sure you also have an account where they can send their payments. Indicate the price for shipping and handling.

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Source by Alan Cassidy

How To Start A Low Cost Window Blind Retail Business

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A window blind retail business can be set up at a relatively low cost. This business involves visiting prospective customers in their homes, measuring their windows and helping them choose fabrics from your range of samples. When you take an order you simply send it in to a blind manufacturer who offers a trade supply service. They will make up the blinds to your specification and send them to you. You then return to your customer to fit the blinds and collect payment. There is no stock to hold as you are supplying bespoke products, custom manufactured to your customer’s requirements so you only purchase stock when you have an order.

You should also expect to collect deposits from customers which means that you should cover your purchase costs before placing your orders, giving you a very good cash-flow situation. To start this business you will need a range of samples to show people. These can be purchased from a trade manufacturer. You could actually ‚beg‘ a few free samples, however it’s much better to have professionally produced swatches at least rather than scrappy bits of fabric. A set of samples can cost up to £200 however there are options available where you can get a starter set for around £50 and trade up later as your business gets established.

You will also need a few tools for fitting, a good drill, a hammer, screwdrivers and a small stepladder are essential pieces of equipment. Another thing to consider is how to promote your new business. Local newspaper advertising works well however this will add to your start-up costs. You could also print leaflets and deliver these yourself as a low cost alternative to get you started. Fitting most blinds is a simple task and can be done by anyone with a basic knowledge of DIY, if you choose your trade supplier carefully they should be able to offer you any advice and guidance you need on the fitting. Generally the window blind retail trade operates on a gross profit margin of about 40% – i.e. you double your VAT exclusive trade buying price. With the correct approach and marketing you could expect turnover of £100000 plus a year.

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Source by Stephen J Moore

Building Types and Styles of Kenya

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As the construction industry embraces modern architecture and builders experiment with new styles and plans, there is a growing difference between building types and styles used today than those built even a few decades ago.

Certain styles of buildings are widespread in Kenya and seen as the de facto standard. As a result, most buildings have similar designs and forms that contribute to building limitations in terms of flexibility and ease of use.

Traditional styles of building in Kenya

Until recently, buildings in Kenya have had common characteristics in their construction that are determined by

  • Skills of the labor force
  • Accessibility and affordability of building materials

Developers are beginning to work outside their comfort zones to use varied building plans and construction materials resulting in innovative architectural looks and forms.

Buildings in rural Kenya

Temporary and semi-permanent structures

The building types and styles in rural Kenya are significantly influenced by the region and traditional culture of the people living in a specific rural area. For instance:

  • The Maasai and Samburu tribes construct temporary huts called ‚Manyattas‘ to match their pastoralist lifestyle. These are made from twigs tied together by dried tree-bark or strings to make walls with thatched roofs.
  • The Kalenjin tribe construct semi-permanent huts using twigs and posts joined together using nails. Mud or clay is plastered on the twigs to make walls and the floor while the roof is made of long grass or reeds.
  • Coastal people such as the Mijikenda make houses from coconut leaves popularly known as Makuti houses
  • The Kikuyu, on the other hand, use timber for the walls and iron sheets for the roof.

Permanent structures

Temporary structures are dying off and being replaced by permanent houses made of stones and mortar.

For those who cannot afford stones and mortar, bricks are made by mixing clay with sand, straw, stone, concrete and lime, and then shaped into blocks that are either air-dried with fire or dried in a kiln. The bricks are used for walls and pavements.

Interestingly, bricks are finding their way into urban areas as developers seek to construct affordable housing for urban dwellers.

The few permanent buildings in rural areas have similar styles owing to the construction materials used and lack of sufficient skills by local workforce. Most of these homes have:

  • L, T, U and I shaped designs
  • Several bedrooms and a living room (sitting room)
  • Bathrooms and kitchen often built in separate locations from the main house

Commercial buildings are simply built as plain empty halls with no design and style taken into account.

Customary styles and types of building in urban Kenya

The styles, designs, architecture and types of buildings in urban Kenya are more expressive with most built using stones and mortar for walls, cemented or tiled floors and iron sheets or roofing tiles for roof covering.

1. Flats and apartments

They are the most common building type among urban dwellers.

  • Accommodate high numbers of tenants and are relatively affordable
  • Less sophisticated in terms of design and style
  • Range from single rooms, bedsitters and self-contained one-bed houses to self-contained two and three-bed houses.

It is rare to find apartments and flats with more than 3 bedrooms.

2. Maisonettes

More sophisticated in design and based on the personal style of the owner, there is growing demand for maisonettes in Kenya to accommodate the increasing middle class. As a result, companies are developing large-scale projects of maisonettes in a bid to capitalize on the new housing market.

3. Bungalows

  • Mostly built by upper middle class and class A and AB
  • Highly sophisticated in terms of design, style and type

Commercial complexes

They are the most versatile in terms of design, type and space, and materials used range from glass and metal to stones and mortar, plastic, bricks and combination of timber and stones, etc.

  • They include sky scrapers and storied buildings
  • Their designs and use of space is determined by the function of the building with shopping malls and entertainment spots being more open in terms of architecture and design.

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Source by James E Harrison

Getting Creative With Your Cardio at Home or at the Gym

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Cardio exercises are a must when it comes to being fit or shedding fat, but that does not mean you do not have options. Cardio does a lot for your health in general, it increases your metabolism, burns fat, makes your heart and blood vessels healthier, decreases your blood pressure, increases your stamina, improves your sex life and the list goes on.

With all that I have stated doing the same thing day in day out might bore you so much that you could forget the benefits of cardio, so I’m going to give you other alternative ways to do your cardio that are not the traditional, steady pace jogging or cycling that everyone associates with cardio.

What most people think is that the longer you do an activity such as jogging the more you will get out of the workout, which is not true but may be true if you are talking about steady pace cardio. Doing something like jogging for a long distance is also time consuming and if you do too much cardio or too long of a distance you might find that it holds you back in terms of muscle gain, if that is what you are after.

How to get creative with your cardio:

First thing you can try is to change your traditional cardio workouts into more fast paced, interval sessions. What I mean is you can train in short intense intervals by timing yourself on a bike or treadmill and increasing the intensity in each interval. This would not require a lot of time and you would have one hell of a workout. In fact you will be burning calories long after you have worked out, but your time spent working out would be less than if you did the traditional steady pace stuff.

You could try doing sprints which is another form of interval training, running between cones. Taking short breaks and doing it again and increasing the distance and trying to run as fast as possible, short break again increasing the distance a little and go at it hard again, you get the idea. This would be a short intense and fun workout, obviously its short because it takes more effort and we can’t sprint for long distances or long periods of time. The cool thing with sprints is that you get the benefits of traditional cardio and you built lean muscular legs, you have noticed that sprinters are jacked compared to long distance runners.

Other cardio exercises you could try includes martial art such as MMA, Kick boxing, karate etc. You could also play sports if you have time such as soccer, tennis, hockey or any other high activity sport. You could try swimming if you love the water; swimming is one of the better forms of cardio since it has less impact on your body and joints because the water supports your body weight.

There are a lot of alternatives to traditional cardio, it’s up to you to find the ones that you like best, most of them are just fun and most people do not even know they are doing a cardio exercise. Just think of dancers they do cardio and have fun the same time. So go out there and find what works for you, no more excuses and no more boring cardio sessions.

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Source by Eugene Madondo

5 Tips for Selling Collectible Barbies on eBay

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Collectible Barbie dolls can be a great seller on eBay, especially eBay USA. Many Barbie dolls are limited in number and can be quite valuable. Barbie collectors are located all over the world and don’t mind paying the international shipping fees required to have the doll shipped to them. Here are a few tips for selling collectible Barbie dolls on eBay.

The first step when selling anything on eBay is to do the research and determine the asking price. eBay is its own little universe and you must use eBay data to determine an item’s value in the eBay marketplace. An item’s value is determined by what someone will pay for it, not what you think it is worth. Look up the particular Barbie on eBay using a few relevant keywords. eBay titles are written by each individual seller, so if you use too many keywords, you may not get enough data in your search results. For example, if you have a Bob Mackie Goddess of the Sun Barbie, your search terms should be „Bob Mackie Goddess Barbie.“ When doing the search, choose „completed listings.“ You aren’t going to pay much attention to what someone is asking for the Barbie, you want to know what a buyer actually paid for it. Historical data is where you focus when doing research on eBay pricing. You will also need to check current listings to see what other sellers are asking for the same item. To make sales on eBay, you must be competitive.

After you find a comparable item that actually sold, the next step is to create a keyword rich title. eBay searches work somewhat like Google searches, matching on keywords. Your objective is to rank high in searches so your title must be optimized. Using the example above, a properly optimized title would be, „NEW Bob Mackie Goddess of the Sun Barbie NRFB 1995.“ NRFB is an abbreviation for „never removed from box.“ Many Barbie collectors will search for NRFB and the year the Barbie was released. eBay only allows 55 characters for the title, so you want to maximize that space with the correct keywords that will lead buyers to your item.

The next important component of selling Barbies (or anything) on eBay, is to provide clear photos. When selling anything three dimensional, experts advise showing at least three photos. Remember that your buyer cannot pick up and examine the product you are selling. Good pictures will sell your item. Many eBay shoppers don’t even read the descriptions; their eyes automatically gravitate towards the photos. If you are selling NRFB collectible Barbies, you want to show photos of the front and back of the box, the doll’s face, the doll’s clothing, and a price tag if there is one. If you are selling a NRFB Barbie, do not take her out of the box to take the photo! This will devalue the Barbie and you can’t sell it as NRFB.

After you have done the pricing research, written the title, and taken the photos, you will need to write a keyword rich description. Make sure the description is at least 200 words long and includes the name of the particular Barbie at least three times. This will help your listing appear more keyword loaded and your listing will place higher in search results.

Include international shipping options on your listing. Barbie collectors live all over the world and they will pay the shipping costs, as long as the price is fair and reasonable. Most Barbies will weigh less than four pounds when packaged so they can be shipped First Class International through the United States Postal Service. Average cost to ship a collectible Barbie anywhere in the world from the USA is less than twenty dollars.

By following these five tips, you should find success when selling your collectible Barbie on eBay. Take your time, follow the steps, and wait for the right buyer. Your Barbie may not sell within a week, but that is ok. The right buyer will find your listing and your Barbie will soon be on her way to her new home.

For more information on selling collectibles on eBay, visit the eBay Coach blog.

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Source by Suzanne Arant-Wells