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Loan Modification – Don’t Lose Your Home to Foreclosure July 4, 2009

Posted by Pat in : my thoughts on stuff , comments closed

We have a terrible problem in the housing market, which affects 30,000 000 homeowners in America. Increasing numbers of homeowners are losing their jobs, or having their salaries reduced. More and more homeowners are falling in arrears with their mortgage, credit card or car payments. These home owners are in imminent danger of defaulting on their mortgage loan and having their home suffer foreclosure. But there is an answer, and many homeowners are not even aware of this solution: it’s referred to as loan modification – sometimes referred to as loan mod.

Mortgage loan modification does not involve re-financing, so there is no credit check required. It is not debt consolidation. What it is, is renegotiating the current loan to achieve a reduction in interest rate and, under certain circumstances, a lowering in loan principal. Without extending the term of the loan. A new, lower, payment amount is arrived at which is sustainable to the home-owner. Loan modification is a real win-win situation for all parties concerned. For the home-owner it often means the difference between keeping or losing their home. To the banks, it could signify no less than the difference between remaining solvent or being forced to fold.

There is no reason why people can’t arrange their own loan modification by contacting the loss mitigation dept at their bank. But it seriously is not advisable – the banks will often only offer a slight lowering in interest, or no reduction at all. Far better to use the services of a reputable loan modification firm, which uses its own team of dedicated loan modification attorneys, who do nothing but speak with banks all day every day and have the knowledge and experience to attain a substantial lowering. Doing it oneself is akin to representing one self at a court of law – seriously not recommended. A reliable mortgage loan modification firm can negotiate 30% to 50% reductions in interest without an extension to the term of the mortgage loan. It’s well worth the fee they charge to achieve this.

A Surge in False iPhone Insurance Theft Claims July 4, 2009

Posted by Pat in : my thoughts on stuff , comments closed

Claiming your new iPhone has been stolen when you have not really lost it could land you in hot water. Unfortunately, iPhone insurance policy’s do not provide full protection in the event that an iPhone is lost, so when a consumer finds themselves in the situation where they have missed placed their iPhone, many take the decision to claim that their iPhone has been stolen, simply so they can make a claim on their iPhone insurance policy.

An error of judgement like making a theft claim rather than a loss claim can haunt the consumer and bring problems in future years, who may think that no one would ever know about their manipulation of the truth. Unfortunately this may not be the case any more, as iPhone insurance providers are now actively trying to seek out customers who they believe may be making a false claim by stating that their iPhone has been stolen.

Bogus insurance claims are becoming increasingly easy for the modern and forward thinking insurance company to detect. By interviewing claimants verbally over the phone during the claims process, similar patterns of deception have become easily detectable. Fraudulent claims, such as declaring your iPhone stolen, when it was really lost, have reportedly cost the industry over a billion in revenue over the last few years.

Unfortunately, many people seem to be unaware that making a false claim on something as small as the insurance policy for an iPhone is classed as insurance fraud, which if convicted, could land you with a criminal conviction. Now that must be a real wake up call for the average man in the street, a criminal record can have all sorts of negative affects on your future, from job applications to being refused insurance in other areas, such as laptop insurance, automotive and even home insurance products.

People may think they could talk their way out of this problem, but unfortunately, this is no longer the case. iPhone insurance providers require a Police incident number before they will start to process your iPhone insurance claim. In order to get a Police incident number you will have to report your iPhone as stolen to the Police and make a statement to that effect, the Police are also actively getting involved with insurance fraud of this nature. So not only could you end up with a criminal conviction for insurance fraud, you could also add wasting police time or even attempting to pervert the course of justice, all because your iPhone cover did not cover you for loss!

There is some simple action you can take to avoid getting involved in this situation and firstly that would be to make sure that when you purchase iPhone Insurance Cover, you select a insurance policy that will cover you in the event of you loosing your iPhone. Secondly, if you find out your iPhone insurance cover did not offer cover for loss, then take the loss on the chin, rather than risk a criminal record for such a small amount of money

The Coolest Daddy on the Planet July 4, 2009

Posted by Pat in : my thoughts on stuff , comments closed

Am I the coolest Daddy on the planet?

Ask my kids. The fact is that the phrase “Coolest Daddy on the planet” or “coolest Daddy in the world” are lengthy phrases which are not going to be hunted down by many people and therefore in theory it should be fairly easy to rank highly for them in Google.

 

There is one problem with this approach. As soon as you begin publicising the fact that you are trying to rank at the top for a specific term, other internet marketers start attempting to beat you.

 

The search term “the coolest guy on the planet” is actually hotly sought after!

 

Such is life.

 

Why would you want to be the coolest Daddy on the planet anyway? The answer is actually quite clear – it’s because you have the coolest kids on the planet. Plus, obviously duh!,the coolest wife on the planet as well.

 

Coolest Daddys, or Dads have a lot to offer their children – aside from coolness. So what makes a good cool Dad?

 

The key element is equilibrium under stress.

 

Coolest Daddy’s on the planet have to meet a few key requirements though and until you do that, you are not going to qualify. The first is obviously being cool. The second is being a father which means you need at least one child.

 

The third is being the best combination of these things.