Subscribe: juliusmoltgen
Preview: juliusmoltgen


juliusmoltgen -

Last Build Date: Tue, 28 Jul 2009 12:57:19 GMT


Tue, 28 Jul 2009 12:57:19 GMT

Are you a morning person?

Wed, 22 Jul 2009 13:34:57 GMT

Can you resist the laugh? I bet you can't!

Mon, 20 Jul 2009 15:20:11 GMT

meditative, cherishing life

Mon, 20 Jul 2009 15:13:24 GMT

Our death is not an end if we can live on in our children and the younger generation. For they are us, our bodies are only wilted leaves on the tree of life. ~Albert Einstein

Thu, 16 Jul 2009 13:45:51 GMT

Listening to Nitin Sawhney - Philtre. Amazing!

What can you say to a friend...

Thu, 16 Jul 2009 13:22:45 GMT

when you find out he has got cancer and there is very little to be done?
I just got these devastating news yesterday and I am still shocked. He is 55 years old and has always been very healthy, until 2 years ago.
So now, I don't know what to say to him or his family to give them courage or comfort.

Wed, 15 Jul 2009 13:13:46 GMT

Don't mess with granny!

Don't mess with granny!

Wed, 15 Jul 2009 13:13:22 GMT

This video made me laugh so much I spilled my coffee!

Tue, 14 Jul 2009 13:37:56 GMT

"Failure teaches success."
Japanese Saying

Mon, 13 Jul 2009 16:36:01 GMT

Fall seven times, stand up eight. Japanese proverb

Fri, 10 Jul 2009 12:51:10 GMT

You cannot plough a field byturning it over in your mind.

Fri, 10 Jul 2009 12:36:39 GMT

You cannot plough a field by
turning it over in your mind.

Wed, 11 Jun 2008 22:42:22 GMT

Success doesn't mean doing extraordinary things but, doing ordinary things extraordinarily...
What do you think?

Fri, 06 Jun 2008 13:04:45 GMT

happy and chatty

Fri, 06 Jun 2008 13:03:36 GMT

I am enjoying the view of the Rio de la Plata, out the window. What a wonderful day!

Tue, 03 Jun 2008 17:35:20 GMT

I am trying to figure this out! HELP!

Tue, 03 Jun 2008 17:34:29 GMT

Looking to meet friends with common interests!

How to avoid foreclosure

Tue, 03 Jun 2008 16:55:16 GMT

Foreclosure. It’s a word that’s sending shivers of fear down the back for many a household in the current financial crisis. If you see you maybe heading for trouble, you can take steps NOW to prevent foreclosure on your home. As with anything of this magnitude, you need to act quickly. Don’t wait until it’s too late to turn things around. You may be facing: . •The loss of a job . •Cuts in hours or overtime pay . •Retirement . •Illness, injury, or the death of a family member . •Divorce or separation If your family is facing any of these changes and cannot pay your bills, now is the time to look closely at what you owe and what you earn, eliminating unnecessary spending and reaching out for help if you still can't meet your financial obligations. Taking action now can help you protect your family from the loss of your home. On the next page are some steps you need to take now, to safeguard your home for the future, and put the threat of foreclosure behind you. Remember. The time to act is now. The longer you wait, the deeper the problem becomes. 1. CONTACT YOUR MORTGAGE COMPANY NOW Many people avoid calling their lenders when they have money troubles. Most of us are embarrassed to discuss our money problems with others or believe that if lenders know we are in trouble, they will rush to collection or foreclosure. Lenders want to help borrowers keep their homes. Foreclosure is expensive for lenders, mortgage insurers and investors. HUD/FHA, as well as private mortgage insurance companies and investors like Freddie Mac and Fannie Mae, require lenders to work aggressively with borrowers who are facing money problems. Lenders have workout options to help you keep your home. However, these options work best when your loan is only one or two payments behind. The farther behind you are on your payments, the fewer options are available. Do not assume that your problems will quickly correct themselves. Don't lose valuable time by being overly optimistic. Contact your mortgage lender to discuss your circumstances as soon as you realize that you are unable to make your payments. While there is no guarantee that any particular relief will be given, most lenders are willing to explore every possible option. To help you, lenders typically need: . • Your loan account number . • A brief explanation of your circumstances . • Recent income documents (such as Pay stubs; Benefit Statements from Social Security, Disability, Unemployment, Retirement, or Public Assistance. If you are Self-employed, have your tax returns or a Year-to-date Profit and Loss Statement available for reference) . •List of household expenses Expect to have more than one phone conversation with your lender. Typically, your lender will mail you a "loan workout" package. This package contains information, forms and instructions. If you want to be considered for assistance, you must complete the forms and return them to your lender quickly. The completed package will be reviewed before the lender talks about a solution with you. CALL TODAY! The sooner you call; the sooner help is available. 2. DO NOT IGNORE MAIL FROM YOUR LENDER If you do not contact your lender, your lender will try to contact you by mail and phone soon after you stop making payments. It is very important that you respond to the mail and the phone calls offering help. If your lender does not hear from you they will be required to start legal action leading to foreclosure. This will substantially increase the cost of bringing your loan current. 3. TALK TO A HOUSING COUNSELING AGENCY If you don't feel comfortable talking wi[...]