Talk To Your Lender About Saving Your Home from Foreclosure

By Doc Schmyz

When your home is on the verge of foreclosure, you certainly will do anything possible to save it. But the problem is how you will do it. The first thing, among many, is going to your lender/banker and asking for help.

Yet for others, contacting the lender at the first sign of financial problems seems to be not such a good idea. It may be because they are embarrassed to discuss money issues to others or they simply don't see the need to inform their lender right away of their present financial standing , most of the time they are thinking it is a temporary problem. But the fact is, asking for your lender's help will save you a lot of trouble and it will help you save your home.

Most people have the perception that lenders, like banks, think only of themselves and don't care about the future of the borrowers. This leads to the common notion that lenders show no mercy to homeowners who have defaulted on payments and will take the homes when the very first window of opportunity opens. The truth is lenders like owners will do everything they can to avoid home foreclosures. So again, the best way to save your home is to work with your lender to solve the problem.

Lenders will send a Notice of Default if you miss payments for 3 consecutive months. Call your lender as soon as possible. Inform them why you have defaulted on a payment and ask for an alternative payment schedule or temporary lower rates until your finances have returned to normal. You can also ask for Forbearance which is where your lender waives some of the penalty fees as a result of default or a mortgage refinance without going through the process of re-application, whichever you think is more economical. Mortgage lenders are more than willing to help you to avoid repossessing your home.

Talk to your lender, inform them of your situation, and ask for payment alternatives. DO NOT WAIT!!! Act fast. Understand the gravity of the situation and do something about it. It is your obligation to pay your mortgage but when worst comes to worst, your lender wants to help you keep your home. - 23309

About the Author:

Doc Schmyz has invested all over the US. He built a free website shares Real estate investing information for all over the US. Find Real estate investing information by state

Introducing Silver Spinner Rings

By George Petronis

The latest fad in the fashion accessory world is silver spinner rings. These accessories have been in and out of the fashion lovers list for generations but have lately made an appearance on the global fashion scene.

These rings feature a unique design wherein which the ring has an outer band that can be manually spun freely around the inner ring. The kind of silver spinner rings you will be able to find in the market are a marvel of superior craftsmanship and quality.

Although silver spinner rings are very striking they are not all about looks. On the contrary they are supposed to give the wearer a calming effect as he manually spins the outer band of the ring on the inner ring.

Quite similar to other stress relieving gadgets, like worry beads and the Chinese balls, silver spinner rings have been used to relieve the negative emotions and emotional baggage that the owner might want to let go of.

If you or anyone you know suffers from extensive anxiety and worry about various things then a silver spinner ring may be just the thing for you. The look itself perks up the spirit and when you have something on hand to help calm you down and de stress, then you will automatically feel better.

The various kinds of rings available in the market today are trendy and stylish enough to be worn discreetly and not give away the real purpose. They look as normal and stylish as the accessory rings so you can wear them with comfort.

The silver spinner rings offer simple creativity and design options which are very cost effective. If you are looking for a trendy design expression that is cost effective then there are more exclusive designer versions also available in the market.

The good designs that come in the form of silver spinner rings are very trendy yet cost effective. The reason for this is that silver is a very reasonable type of precious metal and has a universal appeal that evokes admiration from others while inspiring creative designs.

With the silver spinner ring you can mix fashion with spiritual and emotional enlistment, thereby benefiting on a physical and emotional level.

Another good advantage of using silver is that it becomes extremely tensile when mixed with other metals. This makes it long lasting and a worthy investment.

It is commonly known that 100% pure silver cannot be used to create jewelry because it is too soft, and has to be mixed with other metal. Sterling silver therefore is a great option to get silver jewelry that is long-lasting and stylish. - 23309

About the Author:

If you'd like to know more visit the authors site for Silver Rings advice. If you need more info on selecting a Sterling Spinner Rings click on the hyperlinks.

Banking, Money, Taxation And Becoming Your Own Banker With The Infinite Banking Concept

By Tomas McFie

Could you live ten days without money? Try it and find out what an asset money really is. Assets have a tendency to multiply. The problem is hardly anybody treats their money as an asset.

It has been written that "The value of an asset increases exponentially while the value of your labor only increases incrementally."

The return of your money is more important than the rate of return on your money. Those that fail to grasp this concept lose the real value of money by losing the control of their money.

Consider the following:

Your paycheck. Where do you deposit it?

Your bank or a third party's bank?

Who benefits the most by this process? You or the other guy?

Do not ever think that you can multiply your wealth by dividing it up. Allowing others to have access to your money by placing it on account at their bank, gives that bank control over your money. You automatically become second in command of your money by doing this. When the bank controls your money, you do not and they make money off your money while you pay the fees, the charges and all other costs associated with banking and financial institutions.

You must read the book about the Infinite Banking Concept entitled Becoming Your Own Banker. It will allow you to control and profit from the financial equation which is:

You finance everything that you purchase in life. You either pay someone interest to use their money to make a purchase, or you give up the interest you could have made on your money when you make a purchase with your own money. Either way you lose.

But when you practice the Infinite Banking Concept, you can pay cash for your purchases and earn the interest that banks or finance companies would have otherwise earned off you. This is because you are now using your money as an asset and the growth becomes exponential when compared with what happens when you put your money in a bank owned by someone else, or with an investment firm. - 23309

About the Author:

Dr. Tom McFie is a professional financial coach and is nationaly known for helping people recover the money they currentley spend. Don't Make another payment until you have viewed his Infinite Banking Video Then Contact him he can help you

The FAP Turbo Forex Trading Robot - Is It Worth It?

By Michael Torc

Many people are starting to get into currency trading to bring in a second income. As more people are making a lot of money with online currency trading, there are more people searching for information on trading technologies that run on auto pilot. There has been a lot of hype about the currency trading market and lots of people have started to trade currency as a home based business.

There are many a Forex trading robot out there. These allow you to trade in the Forex market automatically, without "getting your hands dirty." One of the newest and most sophisticated Forex trading robots on the market is FAP Turbo robot. The purpose of this article is to give a fair review on this product.

FAP Turbo is relatively new to the currency trading world and has been doing very well. Initially, the Forex trading robot was tested with real live trading accounts over a period of months before they released it to the public. Its creators are Marcus Leary and his team of software experts. They were working on the project for over 5 years prior to its release.

Leary's team consists of three IT students (Mike, Steve and Ulrice). Using Marcus Leary's general guidance, they developed this Forex trading robot, an all new innovation. The FAP Turbo robot works with MetaTrader 4, a trading platform.

FAP Turbo works very well for traders as a result of its built-in stop loss function. In other words, your losses won't exceed a certain threshold so that you won't experience financial ruin. This safety feature allows your losses to remain small so that your losses will be minimized at any given time. This makes this particular Forex trading robot considerably safer for traders than other similar types of systems.

The Forex trading robot uses two strategies combined with each other to create one powerful result. These strategies include the short-term scalping strategy and the long-term advanced FAP strategy. You can configure the software very easily, too. Just download and install the software and start trading. It's really that simple. You can start your trades with just $50. Then, just sit back and allow the FAP Turbo Forex trading robot do all the hard work for you while your earnings steadily increase.

Over the last nine years, it won 95% of its trades and only lost on 5%. In fact, you can go to the website and watch it perform with a Live Proof trading account for proof. This system can double your account amounts in a single month. During its history, FAP Turbo robot has only lost 0.35% at maximum in any account!

FAP Turbo comes with a series of training tutorials to help you setup the system and all your screens. The videos are about 5 minutes in length and all are professionally done. Now that you have the system all setup your Forex trading robot will automatically place trades for you. The system is designed only to run when you are online. Forex is a 24/5 activity so your computer must be online in order for you to trade. Luckily, Forex offers a hosting service to host your robot on a server so as to not have your computer tied up. Expert brokers will monitor the trades and open orders for you when needed.

In order to learn all the screens and features of the FAP software, takes time. I recommend doing a demo account as a start with the system. You will be able to run the program with virtual money without risking real cash. Then once you have the results that you want on the demo account you can then go live. Doing so, is absolutely necessary. - 23309

About the Author:

Michael Torc is a successful Internet Marketer and a member of Mensa. He recommends highly the FAP Turbo Forex trading robot for generating steady earnings.

Rollovers & Currency Trading

By Ahmad Hassam

Rollovers are unique to the currency markets. Rollovers are transactions where an open position from one settlement date is rolled over to the next settlement date. Rollovers represent the intersection of interest rate markets and forex markets.

Keep this in mind what you are trading is in fact the good old cash. Currency is money after all. So when you talk of money, interest rates naturally come into play. Rollover rates depend on the difference between the interest rates of the two currencies in the pair that you are trading.

When you are long on a currency, it is like having a deposit in a bank account. If you are short, its like take a loan from the bank. Just as you would expect to earn interest on a bank deposit and pay interest on a loan, you should expect an interest gain or an interest expense on holding a currency position over time.

The difference between the interest rates between the two currencies is called the interest rate differential. Think of the open currency position as one currency with the positive balance (the currency you are long) and one with negative balance (the currency you are short).

The interest rates of two different countries apply because your accounts are in two different currencies. You should look for the base or benchmark lending rates in each country. You can find the interest rates of different countries from Wall Street Journal Online, Financial Times online or that matter any good financial website.

If you hold an open position past the settlement date or value date, rollovers are usually carried out by your forex broker. The smaller the impact of the rollovers, the narrower the interest rate differential! The larger the impact from rollovers, the larger the interest rate differential!

Some online forex brokers apply the rollover rates by applying the rollover credit or debit directly to your margin balance. Other forex brokers apply the rollover rates by adjusting the average rate of your open position. Rollovers are applied to your open currency position by two offsetting trades that result in the same open position.

Rollovers are applied to open position after 5.00 PM EST change in value date. Rollovers are not applied if you dont carry a position over the change in the value date. For day traders, who usually close their positions at the end of each trading day, rollovers do not apply. Rollovers only apply to your over night open position carried over to the next day.

If you are short the currency with the higher interest rate and long the currency with the low interest rates, rollovers will cost you money. If you are long the currency with the higher interest rate and short the currency with the lower interest rate, rollover can earn you interest income. - 23309

About the Author:

Mr. Ahmad Hassam has done Masters from Harvard University. He is insterested in day trading stocks and currencies. Develop your own Forex Trading System. Learn Forex Trading !