Loan Modification Process – A Waiting Game

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Loan modification option is chosen by a homeowner only when he is overstressed by the non-repayment of his home loan and frustrated from the frequent reminder calls of his lender. This leads to a fear about the uncertain future and the threat of foreclosure. All these things work together and people apply for a loan modification process as the last and only hope. This in fact was the previous thinking but today with the efforts of the present government, mortgage modification process has been simplified and made feasible for every citizen of America.

Today loan modification can solve all issues regarding late payments of the home loan or the danger of foreclosure and restructure your loan into payments that you can easily afford and this will actually put you back to life. You need to stay positive and look into this loan modification matter in a different way because now this is your right and there is nothing like mercy sort of thing involved here. You need to hold your head up and keep the optimistic result in mind because the whole process will take some time and you will have to work patiently throughout the entire process.

Applying for a loan modification process is a systematic procedure and you need to find out the requirements of your lender first. This will help you plan further and collect the documents and arrange them according to the sequence of requirement. The documents should be supportive to the declarations and statements that you make while filling up the application form. You are also required to fill the form properly and in fact you should double-check it very carefully before submitting it so that not a single point is missing or left out. There have been many rejections only because the application form was not duly filled.

Then there is hardship letter that needs to be written in which you have to give in details of your hardship that can be your job loss, illness, divorce, being overstressed due to loan repayments or any other one. The hardship letter has a big role to play in the approval of the loan modification as many lenders have made it the decisive criteria for this program. So you should write an impressive and motivating hardship letter that has the capability to earn the lender’s sympathy and make him feel that you are the most eligible candidate for loan modification program.

Is Buying Gold As An Investment Wise

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Lately, gold as an investment has become a hot commodity. The ever-rising prices of gold have turned them into the best investment option. Though one can put the money in this expensive metal without any type of fear but still one must have some knowledge about this precious yellow metal.

There are concerns amongst investors when buying gold, just as there are concerns when putting money into any investment asset. However, many of these have benefits. When prices of the metal rise when the dollar goes down. These two have the inverse relationship between them. The weaker dollar or the unstable stock market makes it more expensive. So, most of the people like to invest in gold instead of the other sources. The stock market doesnt remain stable all the time and also makes for the unsecured investment. On the other hand, the expensive metals procure their value and mostly provide the good returns.

Gold is also liquidity and ease to sell. Buy gold coins to increase the returns value. These usually have the numismatic value and are more expensive than the bars. Over the time these yield more value than any other commodity. The historical coins never go for less if maintained in the perfect condition. Also these can be sold very easily owing to the higher liquidity.
When investors buy physical gold, they are reserving wealth by buying gold coins and bars. Gold coins give the opportunity to preserve the wealth from the economic downturn or inflation. These have the intrinsic value so one can rely on them during the adverse situations also. They wont become valueless under any circumstances. The yellow metal also doesnt rust and one can keep them safely in a secure storage safe.

Financial future security is another key fundamental when buying gold as an investment. Gold has proven to provide one of the best financial security for the future. As one can keep them for a long period of time because the metal doesnt deteriorate with time so it makes the future of the person secure. The financial security also gives the peace and prosperity in life.

Things To Consider Before Opting For An Online Forex Trading Broker

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Trading forex is a best way to use your market knowledge to good use. Its a known fact that middle class individuals including the business man wants to strike to the richer level with the best financial investment they can choose for. As there are numerous online forex trading brokers in the country who are coming up with different strategies to attract clients, more and more people are showing their interest towards their investment in the trading. Hence the role of brokers plays an important role in the success of traders who earns good profits at the end of the day.

This is due to the fact that the dealers not only provide clients an platform to trade but also an 24×7 customers support services to help them through all steps of trading. Although the forex market can be fluctuating often, the online forex trading brokers decide by themselves about the spread so that they can advise to the trade accordingly. Hence, the broker is nothing but a mediator who helps you through all steps of trading forex. With the rise of mediators in the country, from the honest ones to the fake ones misleading people faith just wants to earn money one way or the other.

Before opting for a broker, you should be aware about the past of the company and the reviews of people who are presently trading with the company including the past traders who had been investing with the company for years. If its done, you can be sure of choosing the best ones out of many. It is advised for beginners to invest in the forex trading market initially with a demo account so that they could learn all aspects of trading which can make them an expert.

After learning the market as a whole, the investor can choose to open a forex trading account with a minim um deposit which is affordable for him/her. Adding to all this, please take a note of the different trading account with leverages and spared levels so that you can make the best out of the deal. So, if you are interested to earn good profits through just very little investments, just step ahead and make your investment viable by choosing the best forex trading broker online. People who are interested to make money in a short period of time can undoubtedly opt for this trading of forex.

Own A Franchise Financial Conversations To Have With Your Family Before Choosing A Franchise

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Guest Blogger: Ray Moore, CFE, Vice President of Development, BrightStar

The successful franchisee will first and foremost find the right fit. The right fit may be the one that best fits his or her financial resources and goals. The potential franchisee should sit down with their spouse and family and ask some hard questions. Together they will have to decide what outcomes they need to realize to consider this venture a success. They will have to separate out the must have or non-negotiable outcomes before shopping for a franchise opportunity.

The couple/family should agree to the following each family will have to fill in the blanks according to their own circumstances. Its a good idea to consult an accountant:

1.We will not invest more than $_____ of our cash/liquid capital.
2.We will not borrow more than $______ in additional funds to capitalize the business.

With any start up, business owners need to have enough money, either set aside or in other income, to cover household bills and run the business for 12 to 18 months. The following questions will help determine how much is needed:

3.To make sure we can still live comfortably while growing the business, we will cut our household budget to $ ____ per month for at least ____ months and be sure to never exceed that budget.
4.We will only buy a franchise that we have confidence can get big enough to feed itself, i.e., income (cash flow) will cover monthly business expenses (fixed and variable costs), no later than ___ months after signing the agreement.

With many new business start ups, the owner will not be able to take a salary for 1-2 years. The family needs to know that household expenses will be covered during that time.

5.We will only seek a franchise for sale that we have confidence will be able to pay me a discretionary salary (enough to cover some or all of household expenses) without harming the business no later than ___ months after signing the agreement.
6.We will generate other income of $___ (amount needed to make up for loss of other income and savings budget) from ___ (spousal income, other household income or investments) independent of the new franchise business.
7.We will only pursue a franchise business opportunity that will allow us to have our initial investment back, i.e., pay off the start up loan from business income, in ____ months/years.

These are just some of the items that typically come up, or should come up, during the conversations leading up to buying a franchise. Asking the right questions will get you the answers you need. Ask them of yourself, your spouse, your family, the franchisor and other franchisees so you can get the full picture of what your life will be like while building your business, and what it can be like once you have established your new franchise.

Ray Moore, CFE, BrightStar

Marketing Management Process

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Marketing Management is a business discipline which is focused on the practical application of marketing techniques and the management of a firms marketing resources and activities.

Marketing trend is the most of the business units make the production in the anticipation of demand. In these circumstances, if the insist dose not takes place according to the expectations in the fixed period, and then individual efforts are to be made for this. It is clear that the extent to which the sale is more to that extent the working capital cycle will also be speedy and the profitability of the unit also increases. In short, the power of the business unit and long life depend on the sales. In the same way the employment opportunity arises due to growth of the business.

The activity of entire useful services necessary for the business activities increases and as a result the economic development of the country also becomes possible. Thus, the sales activity has a special importance. In the developed countries about 50% and in developing countries about 20 to 40% of employed personals are engaged in marketing activity. So, it is necessary to put special weight age on the marketing management process.

2. Meaning of Marketing Management process: Marketing is not just an advertisement or a process of sales or distribution. Actually, the analysis of market opportunities and formation of marketing strategy are also included in marketing management process.

In a simple definition The process related with the formation of marketing strategy and implementation means marketing management process.

As said by Philip kilter, the marketing process consists of marketing opportunities, researching and selecting target markets designing marketing strategies, planning marketing programmes and organizing, implementing and controlling the market efforts.

Marketing Management process is a part of business activity related to the sale of profitable products in the targeted market. It includes the analysis of business opportunities, selection of targeted market, formation and effective implementation of the marketing strategy.

3 Stages of marketing management process:

Following stages are included in the marketing management process:

[1] Examine marketing opportunities.
[2] Searching and selecting target markets and audience.
[3] Formation of marketing strategy.
[4] Preparation of marketing programme
[5] Implementing and controlling the marketing efforts

Resveratrol Has A Huge Market

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Resveratrol is a major phytoalexin. It can inhibit cancer, lower blood lipids, prevent cardiovascular disease, anti-oxidation and slow down aging. It has been called as a green anti-cancer drug after paclitaxel. Resveratrol is extracted primarily from grape skins and polygonum cuspidatum plant. In recent years, Europe and the United States have developed it into a health food. There are tablets, capsules and oral liquid dosage forms.
There are a dozen of Chinese manufacturers producing resveratrol natural pure extract. Most of their products are for export. At present, the market price of the product in about 18,000 to 20,000 RMB / kg. Currently, in Europe and the United States has approved the listing of resveratrol high-end finished products (including drugs and health products) for almost thousand kinds, about 200 million global users of the goods, and an average annual growth rate of 50 million. Resveratrol preparations It is estimated that sales in the next eight years to reach 500 million to 800 million U.S. dollars, will form a very huge industry. Preparation market expansion will further promote the growth of its demand for raw materials.
In 2003, China adopted a large-scale medicinal plant cell culture artificial technology, it solved major technological bottlenecks for large-scale extraction of resveratrol. The unique Chinese herbal medicine Polygonum cuspidatum resveratrol content is also very high, has been using 95% ethanol reflux extraction, or 70% acetone extract, process complexity, high cost of production. China’s first to develop a microbial fermentation enzyme technology, one-time extraction of crude content increased by 8 times than the traditional process, but also shortens the production cycle.
At present, many research institutions and universities are stepping up studies of resveratrol synthesis process, China has developed a five-step extraction of resveratrol process, the yield up more than 20%. In addition, the process of companies to develop successful two-step method to extract resveratrol and irinotecan. Synthesis process is expected to break the bottleneck of the plant material, reduce production costs to achieve large-scale production.
Due to technology limitations, the purity of resveratrol production is poor in China. There are used or exported in the form of raw material mixture. The products added value is sharply. For example, 95% purity resveratrol has a huge market demand in the field of pharmaceuticals, biological products, and health functional food (the total value of Chinese medicines and health functions food market is up to $ 12.2 billion), The price in international market is about $ 11,000 / kg with a good economic value. Only a few in China can produce it, there is a big gap in the market.
Source:

Ebook Market is Growing

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Ebooks Give Way to a Convenient Reading:

What’s definite is that innovative ebook readers are going to get even enhanced as technologies advances. Merging technology with reading is a grand way to invites the young generation for reading. Just reflect: more and more people from the young ones to adult will begin to download Ebooks directly onto their internet-connected handy devices and read them right away. It’s this convenience that will help to improve the experience of reading for everyone.

Things are rapidly innovating in the area of ebook readers. First there was the Kindle from Amazon, the iPad, Android tablet pc’s and now the many emerging ebook reader is positioned to take e-reader technology even further. And no one knows exactly how many more ebook readers will come out in the future, and how much more advanced they will be. On the other hand, it’s even more possible to read books on some mobile phones.

The Volume of Ebooks Keeps on Growing:

The volume and range of Ebooks available in the internet is increasing at neck breaking speed. Very soon there will be Ebooks on every subject matter known to every man. This will permit new right to be heard to emerge and make a name for them and everyone will benefit from this new knowledge.

People from all around the world are constantly publishing Ebooks at an unparalleled rate. You can by now stumble on an ebook on almost anything purely from making a search on your computer connected to the internet. Now we don’t have to get a publishing contract to release a book. But rather, a writer can share his or her knowledge to by writing and publishing an ebook from home.

Discover the World of

As you can see, Ebooks really are the best way to buy and read your books, and the market is only set to expand and improve over time. Once you’ve managed to buy and download a few Ebooks you’ll wonder how you ever survived without them.

Ebook should not be expensive for anyone. If you want to have an a lifetime access to download Visit

Books To Help Finance Your Projects After Film Courses

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You are determined to become a filmmaker. You’ve already taken your first step: applying to film schools. In Canada and abroad, there are many choices. Your life feels ripe with possibility. But you have one fear that haunts you. You wonder if you will really have what it takes after graduation from film courses to make your dreams come true. You have plenty of ideas for movies, that’s for sure. But that doesn’t mean that you know how to finance one. Here are three book ideas to calm these kinds of fears, common amongst new applicants to film schools.

1. 43 Ways to Finance Your Feature Film by John W. Cones

In this book, entertainment lawyer John Cones shares his insider knowledge gleaned from almost two decades helping independent filmmakers navigate the multifaceted world of movie financing. Although the author is based in Los Angeles – where else? – the book includes a discussion of financing from countries other than the United States, and is, therefore, appropriate for new applicants to film schools in Canada and abroad.

This book may turn up on the curriculum of your film courses, but there’s no harm in beginning your research early. Reading on your own increases the likelihood that when you do finally graduate that you will have a firm grounding in such topics as:

industry financing (What is this? It is basically funding by your peers, i.e., other, more established graduates of film schools)
investor financing
lender financing

2. The Fundraising Houseparty: How to Get Charitable Donations From Individuals in a Houseparty Setting by Morrie Warshawski

Although this book could be of use to any kind of fundraiser, it is written with filmmakers in mind. The author explains how graduates of film schools can organize a compelling event, touching on such details as:

planning committees
invitations
food and drink
presentations
thank yous

Warshawski emphasizes the importance of graduates of film courses appealing to the emotions of their potential donors, something to which their craft, fortunately, is uniquely well suited. What is the role of film schools if not to teach students how to appeal to the emotions of their audience?

3. Shaking the Money Tree, 3rd Edition: The Art of Getting Grants and Donations for Film and Video, also by Morrie Warshawski

In this book, Warshawski tackles that topic of supreme interest to staff and students of film schools in Canada and abroad: how to write a winning grant application. This kind of knowledge can even help students in film schools finance their productions for film courses.

If you are anxiously awaiting a wave of fateful letters from films schools in Canada and elsewhere in the world, calm your nerves by advancing your studies on your own. Who knows, it may help you finance one of your film school’s productions once you finally do get that longed for acceptance letter!

Msc Accounting And Finance At The University Of Southampton

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If you are thinking about applying to enrol on the MSc Accounting and Finance masters degree at the Management School at the University of Southampton, then here is a quick overview of the course.

The Accounting and Finance MSc course is designed to meet the needs of students who have some knowledge of accounting and finance and who wish to extend their knowledge to an advanced level.

Students who have studied very little accounting or finance and have little relevant work experience are likely to find the programme very challenging indeed.

This MSc Accounting and Finance masters degree course consists of a core covering the main areas of accounting and corporate finance, and a research methods course that supports the dissertation.

Options available on this programme of study allow students to study particular aspects of accounting or taxation in more depth.

For example, there is a pathway within the programme that allows students to concentrate on research-oriented training and more advanced aspects of accounting and finance.

Your understanding of the subjects covered and your ability to use the knowledge and skills gained will be enhanced through a variety of methods and strategies on the MSc Accounting and Finance masters degree.

If you wish to apply to study this MSc in Accounting and Finance you should complete a University of Southampton application form and return it to the Academic Registrar.

Your application to study MSc Accounting and Finance will be carefully considered by a specialist member of the academic staff who will weigh up many factors; not only your academic achievements, interests and aptitudes, but also your motivation and your referee’s confidential report.

At the Management School we make our decisions in most cases on the application form and supporting documents alone. However, candidates who require special consideration, e.g. on grounds of age, disability or non-standard entry qualifications may be interviewed.

Foreclosure Tax Sales, Loan Modification, Delaying A Sheriff Sale, And More

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Foreclosures for unpaid property taxes vary widely by state and county. Sometimes the house is auctioned off to satisfy the taxes. Other times, a lien or certificate is sold to the high bidder. And in some areas, no sale is conducted and the property is simply transferred from the homeowner to the county or other tax agency. In most jurisdictions, homeowners have the right to redeem their property after the auction for delinquent taxes.

The following are some defenses homeowners can still raise after a sheriff sale to delay or challenge the foreclosure process and auction:

* Irregularity in conducting the sale
* Sale price at auction was grossly inadequate
* Homeowners did not receive notice as required
* Sheriff sale was not advertised as required

Any physical problems with a property make proceeding with a foreclosure much less desirable for lenders. An appraisal, Broker’s Price Opinion, or other type of valuation from a trustworthy source should be included with any workout proposal, loan modification, or short sale request homeowners make if there are deficiencies in the condition of the house.

If borrowers run into a brick wall dealing with the mortgage servicing company, they can go a step above and contact the holder of the loan. Large banks, institutional lenders, Fannie Mae, and Freddie Mac, among others, will often push a servicer to intervene and work out a solution with homeowners to stop foreclosure, modify a loan, or delay a sheriff sale.

Most people think that Wall Street was primarily responsible for securitizing junk loans and unleashing the subprime crisis. In reality, though, over 50% of mortgage securitizations are guaranteed or issued by Fannie Mae and Freddie Mac (two government-sponsored enterprises), or Ginnie Mae (Government National Mortgage Association).

In a mortgage modification or other workout agreement, it is always easier to negotiate down interest charges, late fees, and other unexpended costs to the lender. These are costs the lender has not paid out of pocket, but has instead just tacked onto the loan balance. They can and should be negotiated away.

According to the Truth in Lending Act, homeowners can request their mortgage servicer to identify for them the person or company or organization that holds the mortgage. The servicer must comply with this request.

Sometimes homeowners are able to delay a sheriff sale over and over again. While this seems a little counter-intuitive, if the lender does not accept the request for a postponement, it may face liability for acting in bad faith. Pursuing foreclosure and using the courts is usually considered the last option, and if the owners are working on a mortgage modification or short sale, for instance, the county auction can be called off relatively easily.