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So-Called Bailout Plans Myths are worth Pondering On

Fri, 16 Jul 2010 05:08:00 GMT2010-07-16T05:08:00Z

I am one of the few people who believe that the Obama housing bailout plan is a good opportunity to save the millions of homeowners who are currently facing foreclosure. The economic situation of the country is currently at its worse, and I think that giving homeowners like you and me the chance to modify our mortgage terms to become more affordable is a welcome relief. However, lately, a lot of issues have been springing up here and there doubting its effectiveness.

They say that the Obama housing bailout plan has a lot of ‘mythical’ benefits. Going through the countless of blogs online that talk about similar topics has got me thinking whether or not all of these benefits are truly myths—unrealistic—and are products of overestimation on the President’s part?

Obama bailout plan

First of all, this new start is not as fresh as they want us to believe. How come they keep talking about new beginnings? It turns out that the idea of investing directly in banks to help them get through default loans and help with borrower credits was not an original notion. It is actually something the previous administration started.

Second, it seems that the problems will not go away with increased accountability as promised. Actually, asking banks for more accountability that get bailout funding is a great idea because people will be more confident in the government and the markets, that is, if done right. But one problem remains unsolved despite the promises of the state: many banks are still losing money which unfortunately inhibits their lending capabilities.

The third and most relevant myth of all is that this plan will actually stop foreclosure. After months of implementation, we are only provided with minimal results at best and foreclosure is still on the rise. The reason is because there are too many people (millions, in fact) at risk of or are already losing their homes, and these mortgages have become so complex due to broken components, bundled securities and the like. How can banks keep up with that?

You don’t necessarily have to believe it, but, like me, it would do you good to at least ponder on them.

Big Butter Jesus on fire | Lightning strikes Solid Rock Church

Wed, 16 Jun 2010 08:15:15 GMT2010-06-16T08:15:15Z

During a thunderstorm in Monroe, Ohio, last night, the “Big Butter Jesus” statue — otherwise known as “Touchdown Jesus” — was struck by lightning and burned to the ground. When Touchdown Jesus was on fire, the statue managed to ignite a part of the Lawrence Bishop Music Theater at the Solid Rock Church as well. While nobody was injured, the fire damage to the Big Butter Jesus statue and theater were estimated at $700,000. Touchdown Jesus on fire after lightni [...]

SEO Philippines - Reviewing White and Black Hat SEO

Fri, 04 Jun 2010 06:40:15 GMT2010-06-04T06:40:15Z

SEO Philippines is known to be the most popular kind of internet marketing used in the country today. One of the biggest reasons why this has gained much popularity is because of the fact that the techniques necessary for SEO or search engine optimization do not require substantial investment which is more closely associated to SEM or search engine marketing. Aside from not requiring much investment, SEO is popular because there are a lot of diverse techniques available. Several techniqu [...]

Healthcare Compliance with emPower Elearning Solutions

Wed, 26 May 2010 06:49:43 GMT2010-05-26T06:49:43Z

U.S.A. (May 2010) ¬– emPower Elearning Solutions were specifically developed to offer electronic learning solutions for healthcare compliance. Established in 2008, it is powered by the most comprehensive and dependable LMS or Learning Management System and offers strong features, flexibility, scalability and value. The company specifically caters to organizations to help them achieve a competitive advantage dynamically and efficiently.emPower develops and produces interac [...]

mLearnCon 2010: Focus on Mobile eLearning Software Solutions

Wed, 28 Apr 2010 09:38:36 GMT2010-04-28T09:38:36Z

San Diego, CA (April 21, 2010) – This year’s mLearnCon organized by the eLearning guild, will focus on mobile eLearning concepts like elearning software, operating systems, authoring tools, content design and development. The event will be held in the San Diego Mariott Hotel and Marina from June 15 to 17, 2010. Participants can reserve rooms by calling (619) 234-1500. Before the conference, there are optional certificate programs available for participants. There will be wor [...]

Google Working On Android Tablet To Rival iPad

Tue, 13 Apr 2010 09:35:28 GMT2010-04-13T09:35:28Z

Google CEO Eric Schmidt has revealed that Google are indeed working on their own Android powered tablet computer to rival the iPad. According to a report by the New York Times, Schmidt broke the news to a group of friends at a recent party in LA. The article also goes on to add that Google have already contacted a number of publishers in regards to delivering content for the platform. Eric E. Schmidt, chief executive of Google, told friends at a recent party in Los Angeles about the new d [...]

Microsoft partners with CA Governor to offer Free Elearning Courses

Fri, 26 Mar 2010 05:46:12 GMT2010-03-26T05:46:12Z

CALIFORNIA (March 12, 2010) – The governor of California, Arnold Schwarzenegger together with Microsoft launched the “Elevate America Program.” The program aims improve and develop the computers skills of Californians to alleviate unemployment plaguing the state. It’s also a great opportunity to promote the company’s elearning tools. California was one of the states that was hardest hit the by the recession. According to the state’s Economic Development [...]

Opera Mini on iPhone is fast, but why?

Wed, 03 Mar 2010 08:26:55 GMT2010-03-03T08:26:55Z

technological solutionsEngadget - We came, we saw, and we're still scratching our heads over what Opera is up to with its Mobile World Congress demonstration of its Opera Mini browser running on the iPhone 3GS. But before we get into that, let's talk performance: it's fast. Opera Mini is very, very fast on the iPhone. Loading the New York Times, for example, was about 5x faster than loading the same page in the iPhone 3GS' stock browser. Pages loaded smoothly and were interactive just as [...]

Rapid Intake Elearning Development Tools Improve Student Test Scores

Wed, 17 Feb 2010 06:58:22 GMT2010-02-17T06:58:22Z

Colombus, OH (February 4, 2010) – Rapid Intake, an elearning development tools and software company, collaborated with Downtown High School in Colombus with the help of Ohio State University to increase their retention and improve performance on standardized examinations  using one of the company’s computer-based training elearning software.   The trends in technology continue to develop and progress. This dictates elearning should likewise keep up with evolutionary c [...]

Seaside Scintillation – New Barbados Travel Hotel

Wed, 10 Feb 2010 06:56:59 GMT2010-02-10T06:56:59Z

Barbados Travel HotelsU.S.A. (February 4, 2010) – A new Barbados travel hotel is being built in the south eastern are of the island. Many people are existed for this new resort and hotel which promises to be a one of a kind experience. The Hotel is called the Seaside Scintillation and it promises to cater to class a vacationers only, (usually this comprises of celebrities and rich VIP’s).Construction is set to start March this year. Though there were some hold ups since a probl [...]

Cancelled Auto Insurance Policy because of Identity Theft-How to deal with?

Mon, 08 Feb 2010 03:02:38 GMT2010-02-08T03:02:38Z

In the movie ‘Face off”, John Travolta’s identity was stolen by his nemesis Nicholas Cage by literally switching their faces. Although no one has really got their face swapped, many Americans had their identities stolen. According to Federal Trade Commission or FTC an estimated 9 million Americans had their identities stolen every year. Even celebrity golf player Tiger Woods was victimized by identity theft. In 2000 Woods testified in Sacramento California courtroom that [...]

Cellphone Use Ban and Its Concurrent Effects on Free Insurance Quotes

Fri, 22 Jan 2010 07:24:36 GMT2010-01-22T07:24:36Z

USA (January 12, 2010)- Different states across the country are banning motorists from sending text messages as lawmakers propose bills to curb distracted driving, but the debate ensues as to whether or not drivers will be prohibited from using phones altogether, or required to use hand-free devices during calls. Jonathan Adkins, the spokesman for the Governors Highway Safety Association, says that distracted driving is the most popular safety issue in the United Sates right now. Fortunately en [...]

California Car Insurance: First Steps

Wed, 20 Jan 2010 05:46:39 GMT2010-01-20T05:46:39Z

A lot of people who are just getting their first car fail to recognize the importance of insurance. For some people, getting insurance is necessary, such as California car insurance since the state laws declare that it is a requirement. So what are some steps one can take in order to get California car insurance? First One should look for a trust worthy insurance company that has some discount packages on offer. But most of the time, such discounts come at a price. There will usually be an obli [...]

Partner Relationship Management’s Contribution to Recession Survival

Thu, 14 Jan 2010 08:09:29 GMT2010-01-14T08:09:29Z

A common strategy being used nowadays in the world of business and sales is channel management, and it is proving to be a successful means of increasing a corporation or company’s income generation. Conducting business through a partner distribution channel is likewise popular, which then gives rise to the need for effective partner relationship management. Partner relationship management is significant in a distribution channel because indirect sales by partners are equally as vital as d [...]

Getting Started in Your Search for California Car Insurance

Wed, 06 Jan 2010 07:36:00 GMT2010-01-06T07:36:00Z

Trying to find the right car insurance is every Californian’s dilemma. This is especially true right now at this time since the recession is forcing a lot of Californians to tightly budget their income. Getting car insurance just becomes another drain in the family finance. However, the state requires all its citizens to have California car insurance. This is why it can be hard to look for the best insurance provider since there are so many. In the internet, the same problem is apparent. [...]

SCORM: Setting Standards for E-learning Content

Tue, 05 Jan 2010 07:59:26 GMT2010-01-05T07:59:26Z

Throughout the years, experts have been trying to develop and improve E-learning by coming up with a variety of technological solutions that can best foster its success in the coming years. The Advanced Distributed Learning (ADL), under the U.S. Department of Defense, as well as the White House Office of Science and Technology Policy, was launched in order to meet the various education and training needs of the government, education, and businesses. Since it has played a huge and vital role in d [...]

Modifying Coverage for More Affordable Auto Insurance Quotes

Wed, 16 Dec 2009 02:56:16 GMT2009-12-16T02:56:16Z

In recent times, the people in California are becoming increasingly aware of the necessary facts and information about their auto insurance quotes and policies. Accessibility of information contributes to this fortunate occurrence, thanks to the convenience and efficiency of the internet. However, the main reason why people are taking the initiative to thoroughly prepare themselves for such matters are based on the fact that recession is here to stay for quite some time, thus emphasizing the pre [...]

Elearning for Software Training

Fri, 04 Dec 2009 05:22:39 GMT2009-12-04T05:22:39Z

The world has indeed evolved technologically. Education and training can now be done mostly through the use of a personal computer and through the internet. Elearning, as it is called, has become the backbone of so many companies to date. There is no turning back now. The old style classroom education or training seminars have almost reached obsolescence because of the dawn of elearning. Every company that wants to get an edge will have to deploy all the best, latest methods in order to get way [...]

Using elearning solutions in training dispersed workforce

Fri, 27 Nov 2009 05:50:53 GMT2009-11-27T05:50:53Z

Being part of the training department of one of the biggest engineering firms in the US entails nothing but excellence. Training in-house staff and engineers already means challenge, but nothing compares to the yokes that we have to bear in training our dispersed workforce from the Philippines. Do not get me wrong though, they are equally as talented and competent as our in-house engineers and draftsmen here in the US. The problem lies in the training mode and requirements that we are giving the [...]

Been Looking for Good Loan Modification Tips

Tue, 10 Nov 2009 02:13:00 GMT2009-11-10T02:13:00Z


I have been searching for some loan modification tips and the best one that grabbed my attention is this: be honest. And this means complete and accurate information. Some may be a bit tempted to skew away from the whole and entire truth. Sometimes, people are twisting the truth without even realizing it. This will just lessen one’s chances for a successful loan modification.

Everyone is looking for loan modification tips right now. I have been such a fool in the past because I spent all my equity unwisely when I bought this big house in Nevada. The expansion and development in Nevada especially near Henderson was really a massive explosion that I suppose was just running on debt. There was no real money backing up that industry. It was all founded upon loans.


Such news just makes me wonder just how effective capitalism is as a system. Surely this just proves that pure capitalism cannot rule. There must be more rules put in place in order to create a system that does not let too much greed benefit. There must be more government involvement in the overseeing of economics. We have all seen how corporations will eat up the whole world if they were left to their own devices. Corporate greed needs mitigation. The environment has already suffered enough. There are already so many victims from the works of such giant corporations. This newest bust is just another example of how banks and lenders got to greedy. They actually need to pay for their actions. Therefore, I would definitely say no the a lot of the actions of the Obama bailout plan. However, as someone facing foreclosure myself, I of course have to side personally with those who need government assistance in order to stop the foreclosure of homes.

Bus Conductor Working at a Call center in the Philippines

Mon, 02 Nov 2009 23:00:00 GMT2009-11-02T23:00:00Z


Working at a call center in the Philippines is not easy. There are many challenges that need to be met. There are also a lot of things that one needs to learn in order to pull through the usual work day. But after one gets through the day right, so many things can be learned. Here are just some thoughts that I would like to share as I go through the work week working at a call center in the Philippines.

There are times when getting up every morning has become more of a challenge everyday. It seems to me that the thought of going through all those customers that each had their problems about the service was such a headache. This was a very bad sign. I was losing interest in my work because it was just so repetitive. But I knew that all work is hard and that I was very lucky with having this good paying job that I could rely on. I keep reminding myself of how I got this job.

Before going to this call center in the Philippines, I was working as a bus conductor. In the Philippines, buses were manned by two people: the bus driver and the conductor. The conductor was the one who went from seat to seat collecting the passenger’s fares and handing out tickets. That’s the primitive bus system in our country and it’s been that way since before I was born because labor is cheap. My pay as a bus conductor is dirt cheap. Anyway, I was out of the job, and looking to apply to a bigger bus company when I got near a call center. They were having immediate hiring so I thought to myself “Why not give it a shot? You really don’t have anything to lose.” So I gave them my resume, I went to the initial screening and they told me to wait for their call. At home, I already forgot about the whole call center application because I was so sure that there was no chance in hell that a guy like me who works as a bus conductor would get hired in a call center in the Philippines. Then to my surprise, they actually called me and no here I am, working at a prestigious and high paying call center job.


Remembering that gives me back the strength to wake up everyday and be cheerful as I answer the call of irate customers everyday. I must keep reminding myself that not everyone gets hired in a call center in the Philippines.

GK Expo 09: The Legacy of the EDSA Revolution

Wed, 21 Oct 2009 03:15:00 GMT2009-10-21T03:15:00Z


I encourage everyone out there to join in the Gawad Kalinga GK Expo 09. It is "themed” Anong Taya Mo Para Sa Bayan? And it will have a special tribute to our former president Corazon Aquino.

I suppose by now Cory Aquino might have resigned to the idea that she is not fated for an ordinary existence. Even if she always says that she, as opposed to Ninoy, does not like the thrill ride of noisy politics, she has become a significantly political person.
Cory’s marriage the already politically strong young Ninoy changed the way her life would go forever. In some twist of fate, the more Mrs. Corazon Aquino tries to leave or renounce the political seat and position that is called on her to fill the more she gets entangled into this very same political network. The death of her husband, the hole that he left behind, this call to duty, became a gaping vacuum that is inevitably sucking her life.


That is how things came to be. She was forced towards this responsibility. This political life she never wanted. That was her legacy of courage. Fueled by the anger from the assassination of her husband, and backed by the anger of the Filipino people themselves, Ms. Cory Aquino decided to be a leader. She decided to be the beacon of the revolution. And this is the same revolution that Gawad Kalinga is which is why she will be given tribute to in this coming Gk Expo 09.

And it was a very peculiar revolution indeed. The news from our country was being broadcasted all over the world. The intense political drama between the powerful and dictator that plunged the country into martial law, Ferdinand Marcos, and the opposing voice that alone stood up and dared speak against the president, Senator Ninoy Aquino made for some dramatic news material with the high stakes all the human interest that jazzed it up. Then the senator was assassinated and finally the anger of the people grew to a fever pitch that they were no longer afraid of the dictator and his cronies that picked up people in the streets and salvaged them for little reason.


We shall never let our country be this way again. In the legacy of the Edsa revolution, we as a country must unite to uplift our fellow men. Join the GK expo 09 on October 10, 2009, 12:00 p.m. to 10:00 p.m. at the Bonifacio Global City, Taguig City.

FHA Loans Key Components

Mon, 12 Oct 2009 00:15:00 GMT2009-10-12T00:15:00Z


Everyone knows that FHA loans are easier to get than the usual or traditional type loan. An FHA loan is federally insured, it is not from the federal government itself. These loans made by the Federal Housing Administration has been made to insure mortgages so that lenders can be free from risk when lending to high risk people who desperately need to loan. This has been the case ever since 1934 when the FHA was created during the great depression. FHA loans are great options for those middle income borrowers.

These FHA loans have the following key components.

- These loans just have 3% down payment requirement. This is one of the lowest rates available in the market. Also, this down payment may be given as a gift thus making home ownership easier to get for those who are buying a house for the first time.

- These loans are also very low cost. The FHA approved loan system thinks about the priority of people who do not have high income. This means that there will be lower closing amount costs compared to the traditional mortgage.

- It is very easy for a lot of people to qualify for these FHA loans. This is of course by design. Even if you have mediocre or lower than average credit scores, you will not be shooed away from getting this loan. This is because the federal insure these loans so that lenders need not worry even if the borrower defaults.

- FHA loans have lower costs. This is because the interest rates are much lower than traditional mortgages and this really lowers the overall cost.


If you are in need of a mortgage loan consider going for FHA loans. These are provided by the government to help us citizens in our time of economic crisis.

Gawad Kalinga Foundation – Building a Better Nation One Community at a Time

Tue, 29 Sep 2009 08:23:00 GMT2009-09-29T08:23:00Z


Poverty has been a perennial problem in the Philippines. In a recent survey, it was said that more than half of the whole Philippine population are sinking below the poverty line. What is even more alarming is that economists and financial analysts are projecting that this year will mark skyrocketing unemployment rates, which would automatically intensify the country’s bout to combat poverty. It takes the help of organizations like Gawad Kalinga Foundation to launch a massive campaign to help solve this predicament.

It is an active and renowned socio-religious organization in the Philippines that aims to build a slum-free and squatter-free nation. Founded by humanitarian, Tony Meloto, the organization had its humble beginnings way back in 1995 through the initiatives of Couples for Christ in rehabilitating juvenile delinquents in Bagong Silang, Caloocan City. The aftermath of its initial program was a success and readily produced positive changes in the lives of those who took part in the project. Since then, GK has evolved into a prime mover in nation building. To date, GK has 900 communities all over the Philippines and in other countries.


Joining the GK cause is also a great act for schools to develop their students’ social awareness. Having students immersed in the core values and objectives of the organization will develop in them a sense of patriotism and love for others. Some of the schools and universities that have collaborated with GK are the Ateneo de Manila University, University of the Philippines, De La Salle University, Miriam College, University of Santo Tomas, University of Asia and the Pacific, Polytechnic University of the Philippines, Saint Paul College, and the Philippine Normal University among others.

Providing homes is only part of the efforts of GK. More than building and improving poverty-stricken communities, Gawad Kalinga Foundation is after transforming lives of its beneficiaries. Soon, with the help of various sectors in the society, GK would be able to improve the living conditions of 5 million poor Filipinos in the country.

Gawad Kalinga Foundation and Philippine Universities - From Schools and Out into the Communities

Tue, 29 Sep 2009 08:15:00 GMT2009-09-29T08:15:00Z


Gawad Kalinga Foundation has established strong ties with different universities in the Philippines in its goal to build a slum-free nation. Students are encouraged to attend immersions and do volunteer work in various GK communities in the country. Aside from taking part in site construction projects, students are also involved in programs such as child and youth development. One of their tasks in the said GK program is to act as teachers in community schools. While they aid their fellow youth in academic work and learning, they also develop their characters, and harness their concern for others.

Gawad Kalinga Builders Institute, better known as GKBI, is the official movement of GK to involve schools and learning institutions in materializing the humanitarian goal of uplifting the living conditions of thousands of poor communities in the country. The movement believes that schools have a very important role in opening the eyes of the youth and academic sector to their role in building our nation. It brings students from schools and into the communities while inculcating in them values such as nationalism and patriotism.

Many schools, colleges, and universities have already heeded the call of GKBI. They are some of the biggest and most influential schools in the country like Ateneo de Manila University, De La Salle University, University of Santo Tomas, University of Makati, University of Asia and the Pacific, University of the Philippines, and more.


Universities involved in materializing the GK goals are doing a great job in making their students part of this huge patriotic movement to drive social transformation. While the transformative characteristic of Gawad Kalinga Foundation continues to grow, it continues to uplift our nation one community at a time. The movement also touches not only the beneficiaries of GK communities but also the universities, volunteers, and donors who take part in carrying out the humanitarian mission.

Home Rate Loan Modifications

Tue, 29 Sep 2009 05:59:42 GMT2009-09-29T05:59:42Z

People today are living in hard financial and economic times. Desperate American home owners are doing all that they can in order to save as much money as they possibly can. For many, the most popular way to do this is seek loan modification help. A loan rate modification is a permanent change in the original loan’s terms and conditions so that the loan can be more affordable especially for those who are in dire need to stop foreclosure. All of this help is thanks to the endeavor of the [...]

FHA Loan: Needs More Bailout Money

Tue, 29 Sep 2009 01:52:00 GMT2009-09-29T01:52:00Z

There was something news worthy in the Mortgage Applications’ weekly survey. In this survey, it is said that more than three percent of mortgage loans. In the survey, it can clearly be seen that mortgages have been going down right now. It seems that not many people are applying for FHA loans even with the fact that the interest rates have been more affordable this week. Also, what is noteworthy in the findings is that FHA loans have been static right now. Last month, FHA loans shot up to more than forty percent, a record high since a couple of decades ago.

An FHA loan, contrary to what some people might think, is not a government funded loan. These are simply government insured loan mortgages. If the homeowner chooses to default, the government agrees to pay for the loan. The Federal Housing Administration or FHA is the organization that authorizes private loaners to have these kinds of government insured loans. There are a lot of people out there that does not want to avail ordinary loans because of the high interest rates and the unreachable credit requirements. The FHA approved loans is an alternative to these people since almost anyone can qualify even if one’s credit history is not so good right now.


According to studies and economic surveys, reports say that the FHA might have to get a some bailout money since an alarming amount of borrowers with FHA loan mortgages all owe a lot more than the real value of their mortgaged property. There should be, at the very least, two percent of the insured FHA loan on the funding reserves of the FHA. Last year, the number is down to three percent. Though the current numbers are still to be released, we are not expecting for an increase.

Gawad Kalinga 2009

Thu, 17 Sep 2009 02:00:00 GMT2009-09-17T02:00:00Z


Gawad Kalinga had a busy year this year. This year, during the GK1MB youth summit, various projects and new developments were revealed. A lot of these new developments have been a direct result of GK’s partnership with Voncore Philippines, an outsourcing company that is offering its services.

Gawad Kalinga unveiled some of its new goals during the historic Boston GK summit. It is aiming at getting a hold of one billion volunteer workers. This battalion of workers and volunteers aims is to destroy poverty forever. Gawad Kalinga, after removing poverty in the Philippines, plans to go global as the template third world countries should follow.

The GK1world website has been launched and unveiled during the Boston GK Global Summit this year. The old GK website had many problems regarding the organization of GK sources and the transparency of fund allocation. Voncore created GK1world, and the results were so good that GK decided to migrate all the content from the old site to the new GK 1 world site. Now, it is already the official online portal of the organization. All updates are uploaded on GK1world website so it is the best source of information about the latest events and programs of Gawad Kalinga.

GK Unity
This new, Voncore project is going to revolutionize the way GK operates. This online software platform will enable volunteers from anywhere in the world register online and be a part of Gawad kalinga. It also promises to change the way pledges and donors are managed meaning more ease in donations and more transparency as to how the funds are allocated.


I believe that Gawad Kalinga Philippines is in the right track as a Global movement. It is very exciting for me to watch how all of its projects unfold especially in its quest to totally eradicate the problem of poverty in the Philippines and usher in the country into the first world.

Getting an FHA mortgage program

Fri, 11 Sep 2009 07:35:56 GMT2009-09-11T07:35:56Z

Getting an FHA mortgage program There are so many families right now who need to get a home. But their credit is no good. Why? Because they are having a lot of problems in trying pay their bills on time. It is a vicious cycle. You cannot pay the bill because you have financial problems but your financial problems are caused by your bad credit and your bad credit is exacerbated by the fact that you cannot pay your bills on time. What about the families that desperately need to get a home? There [...]

Of the Mistake that is the Obama Housing Bailout

Wed, 26 Aug 2009 00:50:00 GMT2009-08-26T00:50:00Z

A new Obama mortgage bailout is being proposed. People see that it is quite similar to the old one. The new Obama bailout moneys being injected is worth about 200 billion dollars. Again.


Why is it that the more someone tells you what you should do about your life or yourself, the more you hate it and you feel the need to rebel against the advice? At least that’s how it is for me. Perhaps it’s because I have been lectured so many times as a child while being hit with a belt. Perhaps it’s because I felt bullied or threatened. What is it that creates the pride that makes you hate admitting that you were wrong? That what you did made things worse. That it was your fault, your decision. And why is it that these kinds of feelings don’t usually appear in the issue of love. Is it because I knew too well the satisfying results of admitting your mistakes in love but not in other parts of life like work and responsibility? Perhaps. I don’t know. But what I am sure of is that the Obama housing bailout plan is a mistake. And the administration better fess up to it.

Everyone is fighting over the 200 billion dollar Obama bailout moneys distributed to Freddie Mac and Fannie Mae. So many people argue about the fact that the Obama administration is still working to create a kind of solution that only serves as a show move. A move to instill confidence back into the economy, but does not really have enough significant effects to raise it up on its own. The Obama mortgage bailout doesn’t even have a clear enough break down of expenditure. Please Mr. President, show us the money.

Driving Social Transformation: The GK's Way

Tue, 25 Aug 2009 00:02:00 GMT2009-08-25T00:02:00Z

The face of poverty is seen all over the world. It is a serious global problem. The only way to combat this problem is if people all over the globe would heed the call to take action and lend a helping hand in bringing dignity back to the poor. This will not only solve the problem, but will pave the way for social transformation. In the Philippines, the movement has started because of Gawad Kalinga.


Through the help of Gawad Kalinga (which means “to give care” in English), a socio-religious organization that aims to bring dignity back to the poor and build a slum-free nation, poverty-stricken citizens in the Philippines and other parts of the world now have homes to call their own and are living more decent lives. Poor Filipino families are now given hope to rise up from the difficulties of their living condition.

By building homes for the homeless, giving food to the hungry, and equipping poor people with skills to leverage their lives, the socio-religious organization is slowly materializing its goal of building a slum-free nation. GK programs go beyond constructing houses. More importantly, Gawad Kalinga helps people build better lives. The GK movement is known to build communities for the poor, but the goal of the movement goes beyond site building and feeding programs. More importantly, Gawad Kalinga helps people hone their spirituality and outlook in life.

Massive volunteerism is what keeps the GK movement alive. Many have heeded the cry to help the movement achieve its humanitarian goals. Gawad Kalinga’s call for massive volunteerism has created a ripple effect that transforms the lives of volunteers and beneficiaries alike. Many have become living witnesses of how simple acts of kindness become the fuel of the movement towards social transformation. With ordinary people doing extraordinary feats of generosity and altruism towards achieving the GK vision, more and more lives would be transformed.

My Hopes for the Gawad Kalinga Philippines Vision

Mon, 24 Aug 2009 06:36:00 GMT2009-08-24T06:36:00Z

Will Gawad Kalinga Philippines succeed? I sincerely hope so.

There are environmental concerns, and there are social injustices such as poverty. Most people think that poverty is not the problem of society. Most people think that poverty is something that cannot be conquered because it will always be present. In the first world, you can still see slums and ghettos. But these places are not as bad as the slums in the third world. The Slums in Europe and the United states would look like paradise compared to dirty slums of the third world where small shanties made of thin mismatched boards and wood are built under bridges of extremely polluted rivers and canals. That is the reality of third world poverty. It’s not trailer parks or projects. It’s much worse.


This is why the Gawad Kalinga Foundation is such a big thing. It offers a way for this kind of poverty to be fought. If so, then perhaps this will slowly but surely usher in the company into the first world. During the Gawad Kalinga Global summit, the new vision of GK was announced. The GK1MB Youth Summit is aimed to pull one million volunteers to help build sturdy housing and sustainable communities for the future.


The Gawad Kalinga Foundation is going to change the world. If it succeeds, the project will be recreated in other Asian countries that have such a massive population living below the poverty line.

I hope things will go well for the future of Gawad Kalinga Philippines. I truly hope that this continues onto the future. I hope the communities are able to sustain themselves and produce new, hardworking and just men and women who will continue to strive for the future of their families.

How Long Should you Wait for your Loan Modification?

Mon, 03 Aug 2009 06:17:00 GMT2009-08-03T06:17:00Z


The loan modification processing wait can be gut-wrenching. That's why it's important that you fill out the application forms and write the hardship letter just as your lender requires.

Many homeowners opt to use a loan modification company to ensure their paperwork is perfect. But if you're not comfortable with relying on paying for services that might not yield any results or are confident that you fit your lender's requirements, you can take some steps to avoid that loan modification processing time nervousness.

1. Before requesting an application, filling one out line, or getting in touch with a modification company call your lender's loss mitigation or loan modification department and ask for their requirements. You may also be able to get information on the programs they offer. Knowing what they're looking for is the first step in successfully getting a modification on your mortgage, and the amount it can help cannot be understated.

2. If you're not confident on your eligibility or ability to fill out the paperwork properly, it may be better to get assistance with your application. You can get assistance through trained FHA associates or through loan modification companies. Both services will help with your application and hardship letter, as well as try to get the best results possible from your lender. However; The FHA associates will do the services for free, while companies do not. Modification companies usually charge a fee for filling out the paperwork and if the modification is successful.

3. If you choose to do the modification paperwork on your own, do some research online about your lender. Some lenders are easier to get a modification from than others, and it could be a huge weight off your shoulders during the loan modification processing period to know not only exactly what your lender is looking for on your papers, but also the experiences of others who have worked with them.

4. After you have submitted your application papers, keep in mind that being approved takes more than six weeks, so sit back and try not to think about it. After about the seventh week, feel free to call the loan modification department and ask about your application. Most applications take eight weeks to be approved, but calling on the seventh might make you feel better about the wait.

Keep the above points in mind throughout the whole process, but don't stress out too badly while you're waiting for the approval. The loan modification processing time takes a while to weed out those who do not qualify, and if your papers show that you do qualify and you're sure that you filled them out properly, you should be fine.

Loan Modification Pressure

Thu, 30 Jul 2009 04:15:00 GMT2009-07-30T04:15:00Z


How you react under pressure is a true indication of your character. In difficult times, don't worry - face the facts and find a way to help yourself. This advice applies to financial circumstances as well, if you cannot pay your bills and especially your mortgage you need to do something about it. All may seem lost, but it isn't. You can begin by contacting your lender and telling them your situation. Take a look at the sample loan modification letters on this website, they will help you find out what to write in order to explain your circumstances and convince your lender to help you.

It is a difficult task to write a hardship letter. You will feel like you have made mistakes and lost control of your life. But you have to let the lender know all the details so they will want to help you catch up on your loan. It is not a fun position to be in, but it only gets worse if it is ignored. The situation is not going away and if you begin to deal with it, you can reduce your stress.

Be honest, be personable and be concise. There is no need to make things sound worse than they are or embellish the truth. Make sure everything you write is true and tell the banker how you got to this point. For example if your business collapsed or someone in your family became ill, tell how this impacted you financially.

A well-written hardship letter will cause the lender to empathize with your situation, learn about your circumstances and give you advice about getting your finances in order, maybe by helping create another way for you to pay your loan. Take a look at the Loan Modification Financial Hardship Letters on our website, and contact us if you think we can help you.

These Loan Modification Financial Hardship Letters will assist you taking back control of your finances and planning your future during these difficult times. A personalized letter that lets your lender know the details of your circumstance will open the door to renegotiating your loan and giving you hope for the future.

Gawad Kalinga Founder - Gawad Kalinga pioneer sidesteps rift in ‘Couples for Christ’

Wed, 29 Jul 2009 23:15:00 GMT2009-07-29T23:15:00Z

Tony Meloto --- “We also provide the principles; we also provide the spirit. But anyone can come in.”Antonio Tony Meloto “Gawad Kalinga Founder” is downplaying a split in the Catholic Church lay group Couples for Christ (CfC) that underpinned his highly successful Gawad Kalinga (GK) housing program to build a nation without slums, declaring “we are working more, talking less.”The influential Catholic Bishops’ Conference of the Philippines was set to discuss the issue sometime this week, Church sources said, highlighting the gravity of the division in the movement established in the Philippines in 1981 and now has more than one million members in 160 countries.Meloto, 57, whose work in Gawad Kalinga won for him and his organization the Ramon Magsaysay Award -- Asia’s version of the Nobel Prize -- for community leadership in 2006, spoke to the Philippine Daily Inquirer on Saturday, a week after CfC co-founder Frank Padilla announced his breakaway.Padilla has formed the Restoration Movement, also called the Easter Group, according to a letter circulated in the United States by Ricky Cuenca, US coordinator of CfC, one of the world’s largest Catholic lay organizations.“Couples for Christ and Gawad Kalinga are very much together. Gawad Kalinga remains a project of the Couples for Christ,” said Meloto, who stepped aside as executive director of GK in February purportedly to become an international ambassador of goodwill.The February announcement then said GK was going global to improve the lives of the countless poor in other countries and that Meloto was to join Padilla, who also was GK chair, in the initiative.“Walang iwanan (Nobody leaves),” Meloto then said.Padilla in February resigned as member of the CfC council, the organization’s governing body, along with two other officials, according to the Cuenca report.Over the weekend, during the launch of the two-day GK Township Development Summit at University of the Philippines, Meloto acknowledged the rift in the CfC and GK, CfC’s flagship housing and development project, that he attempted to keep under wraps.Asked about Padilla’s claim that GK was veering away from CfC’s primary work of evangelization, Meloto said: “Our work in Gawad Kalinga is not a deviation but an expansion into the fullness of life and mission as CfC. The reason that some think that GK is taking a different direction is because we may be disrupting conventions. We are working more, talking less.”He spoke about Padilla’s accusations that the GK was accepting donations even from corporations manufacturing artificial birth control products, contradicting the CfC’s pro-life stance.On July 30, Padilla formed his faction, dubbed the Easter Group or sometimes the “Easter or Playboy Bunnies.” Apart from lashing out at the change of direction of GK “from spiritual to social,” Padilla and his group challenged the manner of choosing leaders in the CfC.“If not for the love of God, the GK will not be doing this,” Meloto said. “There are groups who believe that there are other priorities and this work may not be their priority,” he said. “I do not w[...]

Loan Modifications – 5 things to consider

Wed, 29 Jul 2009 22:43:00 GMT2009-07-29T22:43:00Z

The loan modification foreclosure program can be frustrating and confusing for many distressed homeowners. If you are considering contacting your lender about a loan workout to avoid foreclosure, you need to get as much information upfront as possible so you will be prepared and able to present your case in the best possible light. Programs and guidelines are changing and it is getting much easier for homeowners to get the help they need. To help you understand how the process works and what you can expect, here are the Top 10 Questions and Answers:1. Define loan modification? A loan modification is a undying variation in one or more conditions of a borrower's home loan, allows the loan to be reinstated, and results in a payment the homeowner can afford.2. Do the lenders include late charges in the Loan Modification?Per HUD, the accrued late charges should be waived by the lender at the time of the loan workout-this varies depending on the type of loan-but always request a complete breakdown and description of all fees and penalties from your lender3. Government programs help me get a loan modification? The Federal government has allocated $75 billion dollars to subsidize lenders and servicers who offer a loan workout to their clients. Now, the banks will have a monetary incentive to offer help to qualified borrowers. In addition, homeowners who pay their new modified payments on time will be eligible up to $5000 credit to their loan balance.4. How to qualify for Loan Modification? (1) your lender is looking at is your ability to make the new modified payment now and in the future. (2)You need to supply the lender with proof of your income, along with a complete and accurate financial statement detailing your income and expenses to show them that if granted the modification, (3) you will be able to afford the new, lower payment5. Do I have to be currently delinquent on my payments to get a loan modification?Most lenders are now accepting applications from homeowners who are not currently delinquent, but who are able to prove to their bank that due to imminent interest rate increases, they will no longer be able to afford the loan payment under the terms of their loan. It is advisable to contact your lender as soon as possible to start the loan modification process, regardless of if you are delinquent or not.President Obama's Homeowner Stability and Affordability Plan offers real hope for millions of homeowners who need a solution to stay in their home. Not everyone will qualify however, and interested borrowers will have to complete loan modification foreclosure application forms, provide proof of their income and meet certain eligibility requirements. Most lenders are participating in this new government subsidized plan, and homeowners are encouraged to learn how they can qualify and apply for a loan foreclosure Program and avoid foreclosure.[...]