Mortgage Debt Elimination- A horrible and sure way to lose your home to foreclosure.

“Own your home free and clear in 3 to 4 months. Note paid in full.”

How does this statement sound to you? Does it bring out a sentiment of grand larceny or does it peek your interest as a means to quickly and legally increase your personal net worth? Would it be moral thing to cancel a debt you made in such an simple and unfathomable manner. Most importantly, if you were behind on your mortgage would you pay someone $3,000 to perform this elimination?

Unfortunately, the answer for many homeowners is yes. The Better Business Bureau has issued a national fraud alert for this type of program that is sweeping the nation by way of the internet. The statement used above is an actual sales line from a website that promotes mortgage elimination.

The purpose of this article is to give my opinion to the public as a leading loss mitigation expert that has counseled thousands of homeowners in foreclosure. I have also been contacted by many homeowners from across the nation that are in foreclosure or who have already lost homes due to the failure of this process. The persons have been permanently harmed and they will have to vacate the property voluntarily or they will be forced to go.

I freely admit that I am biased towards the use of loss mitigation options as a proven means to help homeowners behind on their mortgages. These are the consumers who are the most vulnerable and are most likely to see this program as the ideal way to solve their delinquency. They may see themselves as victims of a monetary and banking system that few of us know and that has taken advantage of our ignorance to perpetrate a fraud against them. If the money was never owed, then why are they struggling to make payments. Mortgage elimination has a tremendous appeal of justice and truth under these facts.

Coming back to reality- the diehard believers in the program are usually awakened to the fact that the bank sees it differently by a foreclosure or eviction notice. The bank has more resources and will win the legal fight. The guns and muscles of the local Sheriff will forcibly evict tenants from the property. In fact, a District Court judge located in California has thrown out 15 cases filed against lenders under this elimination legal theory in 2004.

Summarizing the court choice, Judge William Alsup stated that the mortgage elimination program was “an elaborate Internet Scam.” He also ordered a copy of his ruling be sent to the U.S. Attorney “because of the possibility of mail fraud and wire fraud to further an internet scam.” The attorney that brought the law suits on behalf of the elimination company was fined $10,000 for filing a frivolous law suit and the company was required to pay $77,000 in attorney fees on behalf of the lenders named in the suit.

The Court has spoken loud and clear on this issue. Mortgage elimination will not work and is not an acceptable legal theory to justify not repaying your mortgage obligation. Those homeowners that are behind on the mortgage and or looking for help should contact a loss mitigation specialist/housing counselor that is experienced in presenting work out solutions to mortgage lenders. Traditional financial principles of budgeting, prioritization and crisis management have a stellar track record of stopping foreclosure and bankruptcy and they will work for you as well.

Those homeowners already involved with a mortgage elimination program should make the choice straight away whether they want to save their homes or become a martyr for the mortgage elimination crusaders.

If you choose to save the home, you must contact an attorney and a loss mitigation specialist to help you with this matter. There are serious title issues if you have deeded the property out of your name into a trust or other instrument. You will need a real estate attorney to advise you on this matter.

The excellent news is that the mortgage company does not want your home and will help you if you make the right decisions. Visit www.syhuniversity.com for a free copy of How to Save Your Home, a loss mitigation guide that has helped many homeowners.

A Successful MLM Campaign Requires That You Know What MLM Is

In order to succeed in network marketing, you need to have a complete understanding of just what network marketing is. The main reason why a lot of people fail in network marketing is that a lot of people fail to know how the system works, and sometimes these marketers attempt to diversify their scope, without first learning how to focus on doing their fundamental tasks.

The Excellent Thing Is There Are Plenty Of MLM Resources To Help You Today

If you’re a newcomer to the exciting, lucrative but very competitive world of MLM, what’s excellent is that there are more resources to help you become successful today. But, the largest challenge is on deciding what resources to use, or whom to trust. These days, there are many companies offering a wide array of products and services, from communication services, Internet access, nutritional supplements, weight loss products, solar power, water purification systems, and a whole lot more. If you’re looking for the right MLM training program, then look no further, and get the right training only from the established experts at MLM Pros.

What Are The Perks Of Learning From MLM Pros?

With the MLM Pros, you’ll be trained on more than just the basics. Here, you’ll learn how to make full use of Autoresponders, generate more traffic through using articles and blogs, harness social networking sites, generate more high-quality leads each day, use Craigs List to buy more free leads, as well as learn how to make full use of ezine advertising and other free advertising sites.

The ever-increasing power and reach of the Internet has made the stocking of products, as well as the ancient-school methods of doing network marketing, really obsolete. Today, your prospects and potential customers are just a click away from you, and many of them are shopping, doing research or browsing your Web site at this moment. With the right training and the right mindset, it should be quite simple for you to entice these prospects, and make them like what you’re offering them. If you can convince your customers that you’re giving them better quality products or services, then they’d surely flock to your MLM business in no time.

Today, pedal cars are loved by children and adults alike. Reproduction metal pedal cars are very durable, so they can be passed from generation to generation. Most replica pedal cars have been built with pedal car safety in mind, but even with these modifications, safety should be your first priority when your children are playing with pedal cars. Keep in mind that even reproduction cars with modern safety features can be perilous if you’re not aware of the proper pedal car safety precautions. If you have a real vintage pedal car, without modern safety features, pay special attention when your children are playing with it. Here are a few pedal car safety tips to keep in mind:

If you are buying a pedal car for your children to use, be sure that the one you choose is safe. While real vintage cars can be fantastic collectibles, they may not have modern safety features, and may include lead-based paint. If you are mostly interested in a pedal car for your children, consider a reproduction model with pedal car safety in mind.

Pedal cars are, by design, very close to the ground. Be aware of your surroundings, especially vehicles, as they may not be able to see the pedal car, especially when backing up. Make sure your neighbors are aware that there are children playing.

Pedal cars do not have brakes, so do not play with them on slopes. Although pedal cars are foot-powered, on a hill it is possible to get the car going too quick to stop it safely. Since your child’s legs are the brakes for the pedal car, stay away from hills. Also avoid open bodies of water or any other perilous areas into which your child could steer the pedal car.

Be sure that your child wears appropriate clothing when riding in a pedal car. Helmets and shoes should be worn at all times, and loose clothing should be secured. Pedal cars can tip over, and loose items can get caught in the drive chain, much like pant legs can get caught in the chain of a bicycle. There are no floorboards, and pedal cars are foot powered, so shoes will protect your child’s feet from injury.

Do not push the pedal car. Because the child’s feet dangle from the chassis of the pedal car, they can get tangled in the pedals if you push the car. The quicker the car is moving, the quicker the child’s legs must go in order to keep up with the pedals. Avoid pushing the car, so that your child’s feet can keep up with the speed of the pedals.

Pedal cars are a fun classic toy, but be sure your child is safe when playing with them. Always supervise children riding in pedal cars. Pedal cars are fantastic fun for children in every generation. Metal petal cars are designed very well, so they can be passed down to your grandchildren once your children have outgrown them. Please take care when playing with pedal cars, and keep pedal car safety in mind.

Also known as Joint Life annuities, Joint and Survivor annuities are intended for and opened by two individuals. In this case, both recipients can expect compensation throughout their lifetime, even if one of them dies.

According to the terms and conditions of the contract, the amount of the compensation may decrease if one of the recipients dies. QJSA or Qualified Joint and Survivor annuity rules apply to ‘money buy’ pension plans, target benefits and defined benefit plans. This annuity pays at one level for entire duration of the primary holder’s life, and between 50-100% of original for duration of the spouse’s life at another level.

Usually, the plot document provides an annuity proportion, but the common prerequisite is that survivor annuity should be 50% to 100% of annuity paid out to the participant. In case the participant is not married, the annuities are over his life expectancy.

Furthermore, the participants can opt to surrender the joint and survivor annuities payments and get ad-hoc distributions or lump-sum, provided that the spouse (of participant) agrees to the waiver.

Some Rules for Qualified Joint and Survivor Annuity. A ‘joint and survivor annuity’ type is not a qualified one unless the plot allows the participant to start receiving a delivery in the form of QJSA exactly after he has reached the earliest-retirement-age under the scheme.

A plot can include more than one ‘joint and survivor’ annuity which is in fact equivalent. In this case, the plot must depict which one is qualified.

The law requires that all ‘survivors’ benefit from the plot should be paid out to the spouse, unless one designate different recipients. If you select a recipient other than spouse, then the spouse should agree to this beneficiary designation in writing.
Unmarried Participants

As per the law, unless you select otherwise, the benefits from ‘joint and survivor’ annuities are paid out in the form of ‘single life annuity’. You will get payments on monthly basis for your entire life. But after your death, no payments will be made. Also, you are free to cancel your selection within the duration of ninety days before distributions start.

In case any of survivor benefits are ‘payable’ through benefit payment alternative you have selected, then, you can specify a recipient to get those benefits.

Domestic Partners or Same-Sex Spouses
The plot may allow an individual to specify same sex domestic partner as the recipient of survivor benefits other than survivor annuity part of a QJSA. The payments of survivor benefits to the same sex domestic partners must follow certain rules for benefit payments to any elected recipient, who is not spouse:

- Supplementary benefit rules: the pre-requisites that death or other non-retirement benefits owed under the plot be subsidiary to main purpose of the plot.
- Minimum distribution prerequisites: the payment of ‘survivor benefits’ to non spouse recipient be under life expectancy rules.

A person who ties the knot must immediately inform his plot administrator, and a person who gets divorced will be required to treat his current spouse as former spouse in the plot.

At length, the above mentioned rules will certainly help you to get familiar and comprehend the concept of ‘joint and survivor’ annuities.

RSS is quick becoming the communication media that many online marketers are switching to. Many experts agree that RSS Feeds will one day replace email marketing and newsletters. Many marketers will be left behind when this switch occurs. If you haven’t made the switch your competition will pass you in page rank like a streak of lightning when this whole process has made the switch.

The term RSS is the acronym for Really Simple Syndication. This is a process which can place a feed on your web site that can read an RSS feed from your directory. Information distribution has become a rather simple process with the advent of RSS feeds in today’s marketing arena.

An RSS feed can place your headline to other multiple web sites for countless people to see. Statistics show that more potential clients can be reached using RSS feed, and the more people who see your information the better chance you can market something to these individuals.

RSS is an XML based application which is quite similar to HTML which it the most common web site creator application. Every site that I place an RSS feed on has certainly boosted sales on that site.

Google recently bought the program called Feed Burner. This is a simple format that you can make a feed and place anywhere you want an RSS Feed. You feed will include the title or a headline, a brief description of the content of your site and the link where you can read the post. There are numerous web channel editors that you can utilize for reading an RSS Feed. Some programs just require you to write news and articles down on a notepad and when placed on the editor, it will show up with the necessary formatting ready for upload.

Once you have made your file, save the file as an XML, RSS or an RDF file. Use your favorite FTP client to upload to your web server. I personally like the free FileZilla ftp program. This program is simple to use and once you use the program a few times you will wonder how you ever got along without this remarkable tool. Once you have completed the process above, now the file is readable by most RSS news aggregators.

Now that you’ve made a file, saved the file and made sure it works, now you’re ready to share your feed with the general public. The main function of an RSS feed is to broadcast your feed to all RSS enabled sites. By placing your feed in a directory you will start seeing some tremendous results from your feeds. Some directories require a fee for using their directory. Many are free, so check and see which will work best for you.

Place you RSS feed icon on everything you do online. You objective here of course is to get your information to as many users as possible. Your feed will change and update automatically every time you change the main file.

With RSS, you know that the feed changes automatically every time you change the main file. By adding new articles to your system on a regular basis you will quickly get the attention of your readers and the search engines with new content.

Check out the latest trend of owning your own article directory as part of your regular web site by utilizing the concept of placing your directory as a third level domain. One huge advantage of this concept is that other authors will submit to your directory and you become the publisher. You will quickly generate countless links and back links with this method of linking.

Few individuals can fathom the benefits of this type of feed distribution. If you have questions regarding this concept, seek the services of the professionals.

The eBiz Solutions Team is stand by to help you in your RSS feed questions. Call today for your free 30 minute “No Obligation” consultation.

“Let’s Build Your Business Together”

Larry L Miller SEM/SEO Consulting