It seems the amount of people having to foreclose on their properties has gone up 72% compared to last year's first quarter. Is this the sign of things yet to come? The way the trend is going it seems that it could reach a level of 1.2 million people having to hand over their keys to the banks and lenders.
It seems there are a couple of bad spots in the U.S where foreclosures seem to be higher than anywhere else Cheap Nike VaporMax Youth , Georgia and Colorado came in as no.1 and 2 respectively, in Georgia 1 in every 127 households has to foreclose, this figure takes into account a 19% drop of foreclosures in march so the figure could have been a lot Cheap Nike VaporMax Mens , lot higher!
If you find yourself in this situation of having to foreclose, there a number of things you can do.
1. Contact your lender and explain your situation most lenders will be sympathetic to you and may change the conditions of the loan (e.g. spreading the loan over a longer period of time.), a lot of lenders want to avoid having to put you out on the street because of the effort it takes to this and also the bad publicity.
2. Has your property gone up in value since you bought Cheap Nike VaporMax Womens , you may find that you could have some extra equity you could release by selling it. I know it's hard to have to walk away from your home but better to have the extra cash in your pocket than someone else's.
3. You could consider taking out another loan like a home equity loan if you have equity in you house, but only if you're situation is temporary and you will be able to pay the loan. There's no point in doing this and losing everything a couple of months down the road!!
And also please if you are in this situation; beware because the smell of a foreclosure does sometimes bring out the vultures and the scam artists.
Some scams have been pulled on people like promising the owner that they can rent the property back if they sell to them straight away at a lower value, the owner then sells the house over to the scam artist and then when the topic of renting the property back comes up they're refused this and left homeless and the scam artist is left with a valuable piece of real estate.
There are numerous tools and resources available to guide job seekers through the steps of a career transition. These tools are very useful and suggest much that you should do. At the same time Cheap Nike VaporMax , some individuals benefit equally by learning what to avoid. If you count yourself in this latter group here is a laundry list of things that "turn off" an employer. Make sure you steer clear of the following:
1. Don't submit your cover letter and resume using every format known to man.
Don't fax, e-mail and send hardcopy; one submission is sufficient.
2. Don't "stalk" the employer.
Calling and e-mailing daily to see if you have been selected for an interview looks needy and will not encourage the employer to contact you.
3. Don't say in your cover letter that you'll call the employer and then not call.
Better yet, don't say you intend to call. Employers don't have time to field calls from every applicant.
4. Don't ignore the employer's directions regarding the submission of your qualifications.
For example - if an employer has advertised for a technical writer and requested three writing samples Cheap Nike VaporMax Flyknit , send three samples. I once received an e-mail from one applicant saying he had so many great samples that he was unable to decide upon three, so he wasn't sending any.
5. Don't call the employer and ask them to tell you more about the job before submitting your resume.
If you see a position advertised that looks appealing, go for it. You can get the details later.
6. Don't e-mail and forget to provide the attachments or provide attachments that are blank.
7. Don't ask if the job is still open within a week or two of an advertisement.
Whether the job is open or not is almost irrelevant. You will want to give yourself as many options as possible and getting your resume on file can be important Cheap Nike VaporMax Red , especially if the employer's initial offer isn't accepted or an additional candidate is needed.
8. Don't expect the employer to do your homework.
It's your job to research the employer. Search the internet, go to the library, and utilize your network to see what information is available about the company.
10. Don't make it hard for the employer to place you.
Employers frequently have more than one opportunity available, thus it is important that you specify the position for which you are applying.
Pam N. Woods is co-author of a bestselling book, Create the Business Breakthrough You Want: Secrets and Strategies from the World's Greatest Mentors; endorsed by Ken Blanchard and Dr. Stephen Covey. She is a Coach U graduate and President of Smart WorkLife Solutions Cheap Nike VaporMax White , a coaching and consulting company devoted to co-creating customized solutions to fit clients business and personal organizing needs. Prior to founding her own firm she had a successful 20+ year career as an insurance executive and Vice President of Human Resources. For more free how-to articles and advice, or to contact Woods, visit . 脙茠脝鈥櫭兟⒚⑩€毬吢∶兤捗⑩偓拧脙鈥毭偮?2002 Pam N. Woods.
Meditation students often come to me and ask what they can do to improve their meditation. Success in meditation is not the result of any one single factor but depends on sustained and systematic effort over a period of time. However Cheap Nike VaporMax Black , there are a few tips for meditation, that will help you to improve your performance, regardless of the meditation method that you follow.