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Foreclosure Can Happen To Anyone

Foreclosure can happen to anybody, so don't think badly of yourself if you are now at risk. I know it's terribly embarrassing to find yourself in this position. Since notices of default are usually published, you really hope your neighbors and relatives aren't reading the papers. It's also very scary when you think of your family and all of your belongings out on the street. Don't worry. Listening to the news it sounds like half the country is in the same boat. Heck, look at Ed McMahon. If he can lose his house, anybody can. He's not the only star in foreclosure either. Just keep your head together and take it one step at a time.

It is a fact that any family can undergo some financial crisis at some point in time that would regrettably cause them not to have the ability to pay their monthly mortgage payments. A home can be an enormous investment and maintaining your home can turn into an even greater expense. Chances are things will break here and there and thanks to Murphy (Murphy's Law), usually when you are at your lowest financially. When this happens, you might feel as though your world is spiraling out of control. You can not seem to get your debts under any type of management and now you need to make repairs to the house. Your mortgage, being the biggest part of those debts, may have just adjusted and all of a sudden your house payment has moved into the "can't pay right now" pile. Foreclosure is something that can happen and when it does, you might feel as though you have no other options.

I am hoping that I can help some of you learn more about the different options that you do have when it comes to saving your home from foreclosure. There are many options for anyone who is struggling with the thought of trying to get caught up on their monthly payments. If you can look in the right places, you are bound to find something that sounds quite reasonable to you. You will find that there are many different websites available to you over the internet that can provide a great deal of helpful information regarding foreclosure. They also provide details about some of the different things that you yourself can do that might potentially prevent having your home taken away from you. If you allow yourself to stress out about it, then chances are you will not be able to think clearly enough to get the appropriate things accomplished. In California you have 120 days from the date the lender files a notice of default until your house is sold on the courthouse steps. It's important that you work in a very timely manner.

Don't bury your head in the sand. Take time to speak with your mortgage lender about the payments you're behind. They could possibly choose to work something out with you. Many lenders have programs that will catch up your back payments a little bit at a time, added to your regular monthly payment. This solution is usually more for someone who has just had a temporary setback. After all, if you could pay more than your regular payment, you probably wouldn't be in trouble, would you?

Ufortunately, times like these bring every con there is out of the woodwork. There are different companies that might claim that they can help you out with your foreclosure threat. Please make sure that you thoroughly investigate them and don't be afraid to ask for references. Many times those guys are totally not legit and will just end up ripping you off, causing you even more problems that you do not want. Be sure to take any contracts to a Real Estate lawyer or your Realtor if someone is offering to pay your back payments. You may just be signing over title to your house and not even realize it.

Lenders will swear they can help you refinance just to find out 30 wasted days down the road they can't really do anything for you at all. Many "hard money" lenders will promise you a refinance even if "you have bad credit". The interest rates on those loans are so high, you just end up burying yourself deeper.

Really, one of the best places to start is by speaking with your own mortgage company today. If you are struggling or getting behind on your monthly payments, they should be able to discuss with you some options for catching things up. They seem to be a little more co-operative these days since they have so many more foreclosures on the books. They can possibly re-write your loan, maybe hold off your adjustable loan adjustment for a few months, etc.

If you are tired of fighting it, you may decide you want to sell. These days many people are living in houses where there is more owed on the property than it's worth. Your lender can also help you with what they call a "short sale", where they will settle for less than is owed to get the property off their "worry list". If you decide to take this option, be sure and speak to your accountant. Even tho you won't be making any cash on the sale, there are usually tax consequences you should be aware of.

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Big Pharma And Our Children




Anyone who has read this blog knows how I feel about the dishonesty of Big Pharma and doctors and how they will promote anything to make a buck, actually lots of bucks. I guess the only choice they have after they have every possible adult on any drug they can push, is to start on our children. I just wrote about my thoughts on Gardasil. Since Gardasil is now getting so much attention in the wrong way, they have moved on to other targets.

It's not bad enough they have been shoving Ritalin down every child's throat that doesn't act like a Stepford child, but now they want to give drugs "just in case". By the way I found this article interesting regarding Ritalin: Parents and public health policy makers have cause for concern about the finding of a study conducted at the University of Texas, MD Anderson Cancer Center. WebMD reports that all 12 children who were enrolled in a Ritalin trial "experienced an increase in chromosome abnormalities three months after starting Ritalin."
The children were about 8 years old and had been prescribed Ritalin at normal therapeutic doses (20-54 mg/day). The children's blood was tested before they took the drug and after three months.
"It was pretty surprising to me that all of the children taking [Ritalin] showed an increase in chromosome abnormalities in a relatively short period of time," said Randa El-Zein, the lead author".
These abnormalities seem to be linked to cancer, for stupid sakes!


According to an article on nutrimed.com I partially quote "In the USA, Harris stated: “As states begin to require that drug companies disclose their payments to doctors for lectures and other services, a pattern has emerged: psychiatrists earn more money from drug makers than doctors in any other specialty. How this money may be influencing psychiatrists and other doctors has become one of the most contentious issues in health care."

When I started this blog post for today, I actually started out to gripe about the recent development of drug companies pushing statins on our overweight children. As I was doing my research, I came across this video that broke my heart. This video isn't short, so grab a cup of coffee or a glass of wine or a cocktail, and please, if you have young children or grandchildren, take the time out to watch it. Keep an eye out for a later issue of other drugs being pushed on our children. Why is it okay to give it to the children first, finding out the harm later?



Please feel free to comment.


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Just Another Politician

I don’t generally write much about politics. I figure “to each his own”. Most the time I figure we are just trying to vote for the lesser of two evils, but being a woman I found the following quite interesting.
According to an article by Bobby Eberle on Welcome to the Loft.com when it comes to "future President" wannabe, Barak Obama, "the more we get to know him, the more we realize that his actions are quite different than his "hope and change" rhetoric.

As an example, take his recent speech about pay discrimination between men and women. Obama told the audience in Albuquerque, NM that he supports "a Senate bill to make it easier to sue an employer for pay discrimination." Yet, upon a review of Obama's payroll, we learn that women are paid less than men. Keep talking Sen. Obama.

As reported by CNSNews.com, "While Democratic presidential candidate Barack Obama has vowed to make pay equity for women a top priority if elected president, an analysis of his Senate staff shows that women are outnumbered and out-paid by men. That is in contrast to Republican presidential candidate John McCain's Senate office, where women, for the most part, out-rank and are paid more than men."

In his speech, Obama spoke about how his single mom worked to raise her family. He spoke of hardships of his grandmother, and also his wife. He set the stage beautifully by noting the successes of these women... then what did he do? He blasted Sen. John McCain, saying, "But when you look at our records and our plans on issues that matter to working women, the choice could not be clearer. ... It starts with equal pay."
It starts with equal pay? Did he seriously say that with a straight face? As CNSNews.com notes in their analysis, "On average, women working in Obama's Senate office were paid at least $6,000 below the average man working for the Illinois senator." CNSNews.com also points out that "of the five people in Obama's Senate office who were paid $100,000 or more on an annual basis, only one -- Obama's administrative manager -- was a woman."
In contrast, women outnumbered men on McCain's Senate payroll by 30 to 16. The women were paid an average of $3,000 more than the men.

In his speech Obama said, "We can't afford an economy where folks keep working harder for less. We can't let the women in our workforce get paid even less for doing the same work." Oh really? It appears that Obama, as an employer, has no problems doing exactly what he is speaking against. I guess he means "other" employers. Certainly we shouldn't look at what his own hiring practices really are, right? This is just one other part of his record that he'd prefer be kept out of the spotlight.

Near the end of his speech, Obama said, "I want my daughters to grow up in an America where they have opportunities that are even greater than their mother had, or their grandmothers, or their great grandmothers -- an America where our daughters truly have the same opportunities as our sons."

Note to Obama's daughters.... Don't go to work for your dad."

I thought this was hilarious and just points out once again how Obama is just another politician that says one thing and does another.

To see the full article, please visit the link above.

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