Posted on 27 October 2011. Tags: Affordable, bank of america, bedroom condo, complex, condo, current mortgage rate, early retirement, fannie mae, Home, layoff, merrill lynch, mortgage payment, Plus, suitable position, value of my home
Here are the facts. I live in a 1 bedroom condo in a complex with about 100 units. My mortgage is around $185k. The value of my home has been cut in half since I refinanced about 3 years ago to about $120k (I am underwater on mortgage now by about 50% due to price value drop). I have never missed a mortgage payment and should have much trouble making the payments in the future. I am unemployed..forced into early retirement about 8 years ago due to layoff and was unable to find another suitable position, probably due to my age and the bad market. I am now about 58 years old. My current mortgage rate is about 5.7%.
My mortgage is with PHH Mortgage, which I got through Merrill Lynch before they were bought by Bank of America. I think PHH is affiliated with Fannie Mae, but not sure.
Am I eligible? Can I lower my mortgage? And…will there be any fees to do this if I am?..I read that I wouldn’t have to get another appraisal, but am not sure.
Someone in the know…please advise. Thanks.
Posted in Featured Articles
Posted on 24 October 2011. Tags: business, business ideas, Good, good business, Home, niche, niche business, suggestion welcome, Work
I am looking for some good business ideas for women where investment is low and work should be not be mobile. They should do from home.Any suggestion welcome.
Posted in Affiliate Marketing 101
Posted on 21 October 2011. Tags: amazon, Home, internet company, Name, niche markets, site, Source, source internet, Tried
Internet Solutions Source is the name of an internet company that claims to to allow one to work from home, targeting niche markets selling products through Amazon. They ask for $1.95 to set your own site up and then $20.00 monthly in charges.
Posted in Affiliate Marketing 101
Posted on 18 October 2011. Tags: aubergines, bell peppers, commotion, door, door peephole, eudoxia, handmade wooden spoons, Home, luxembourg gardens, reading a book, recipe, smell, stew, stews, vegetable stew
Today, my pet snail Eudoxia and I decided to cook a vegetable stew with aubergines and bell peppers, by our special secret grandmother’s recipe. We visited the local market, bought all the needed ingredients, came home and very soon the tasty smell of baked peppers, aubergines, and tomatoes, fried with the best olive oil, permeated our building. The stew turned out great, though we say so ourselves. But, as you know, the cook vegetable stews need to cool down, and, to get the best flavour, you should let them be at least for an evening, or even the whole night. So, we decided to go for a walk to Luxembourg gardens, before eating it, to stretch our legs and watch the squirrels. As we approached the door, we heard noise and commotion outside. We looked out of our door peephole and there were all our neighbours: Monsieur Mangedetout, Madame Mangedetout and their children, three little Mangedetouts. They all were sniffing the air avidly, and their jaws moved, and they all had huge handmade wooden spoons in their hands. So that you know, Mangedetouts are very economical, yet they love their food. It was obvious that they sniffed our stew from afar, and lay in ambush, waiting till we open the door, to jump on the opportunity to invite themselves in and eat all of our vegetable stew. Not to be outdone, Eudoxia and I went back and sat on our sofa, reading a book, for about half an hour, but when we then went back to the door, the Mangedetouts were still there, still waving their huge spoons in the air, and still moving their jaws in a frightening manner. It looks like we can’t get out without sacrificing our stew! But we do not want to! Yet, we can’t stay in forever, so what should we do?
Posted in Affiliate Marketing 101
Posted on 08 October 2011. Tags: address right, Deposit, evictions, exact address, free credit report, Home, information, Link, renter, secure website, security deposit, time and date, time payment, washer and dryer, wasting our time
Hello Destaney,
First and foremost, thank you for your interest in the home. I am available to show the house this week
if that fits your schedule.
Just to give you a little more information about the home, the water, trash
and garbage are paid by us. The security deposit can be paid in 2 installments if money is tight. (I know how that can be).
The house has a fenced in backyard and we do allow pets. The deposit per pet is a one time payment.
The house includes a washer and dryer, and we pay for lawn care so the renter does not have to cut the grass.
There is NO application fee (our company policy and guarantee).
I will be happy to show the house at an agreed upon time and date but I do require that all applicants and
additional renters who will be living in the home complete a free credit report to ensure their eligibility.
I have so many people apply for homes that I have to make sure they are qualified renters before I show the property.
This ensures neither of us will be wasting our time.
It is okay if you have bad credit (trust me). We just check to make sure that you don’t have several evictions on
your record. (We won’t rent if you have 3 or more evictions on your record)
I also had to recently stop giving out the exact address of rental properties before I am able to show them because
last time I did that the house was vandalized (I will be glad to send you the address right after your reply) I assure
you though that this is a very safe neighborhood. I actually lived in this home for 2 years (very cozy).
As soon as you can, please click the link below and go to the secure website to complete the free credit report (takes about 30 seconds)
Once you complete, I’ll call you once I receive the information from the credit company (very quickly usually).
cekreport.com/ZCovMSf6nBI/
(Copy and paste this link to your address bar if it is not clickable)
*** You don’t have to send me your credit report.
Once you fill out the report the credit company automatically forwards me your name, email address and whether you have
had any outstanding evictions in the past 5 years to determine your renter eligibility. This is the only information I am
interested in. This is a soft credit report so it won’t touch your FICO score (which is why we work with them).
This process turns some people off, so I completely understand if you decide not to complete them. In that case, good luck
with your home search. I just want to be honest with you up front about our process, which does a good job of protecting
us from ineligible renters and scammers. Also, the site above is one the safest and most secure website for credit reports in the
world, which is good for peace of mind. I have worked with them personally for a couple years now.
If you are truly interested in proceeding, take a moment and fill out one of the reports. Let me know when this is done and
we can then work out the time and date to go see the home. Email me back once you access your fresh report. I will be forwarded
the information. (Make sure to include a valid phone number. I usually call within 6 hours of submitting your report. Then I can
forward you the address and we can set up a time to tour the home.)
If eligible you will also be sent an email with my office number so we can set up a time to go see the house and discuss any
other questions or concerns you may have.
Thanks,
Janice
Posted in Affiliate Marketing 101
Posted on 30 September 2011. Tags: action marketing, advertising networks, affiliate marketing company, affiliate networks, bad idea, e mail, Home, Marketing, risk, Safe, scams, Ssn, Want, Website, website owner
I want to work from home with CPA (Cost Per Action) marketing. Generally CPA companies aren’t “get rich quick” scams, but rather advertising networks which allow a website owner to put ads on their website and make money.
They pay every time your website’s visitor clicks on their offers and either enters an e-mail or fills out a survey.
They do require SSN, as do most other affiliate networks.
Suppose that I know what I am doing and I want to put certain ads on my blog to earn money.
Would it be safe to provide my SSN to a company like Blam Ads? How about some other affiliate marketing company?
If it is not safe, then what is the alternative? Many people work for these companies, earning thousands. However, most require SSN in the application. So how do I get hired by one of these businesses without putting myself at risk?
And if this is all a bad idea, then what do I do with my blog?
Posted in Featured Articles