Saving Your Home: 3 Tips to Avoiding a Bad Foreclosure Lawyer

When face to face with imminent foreclosure, it would be good to have an expert on your corner. Today, we look at a few tips on how to secure a good foreclosure lawyer for your home. How do you secure a good one? By avoiding bad ones of course!

What is a foreclosure lawyer?

These are lawyers who specialize in foreclosure defense and foreclosure cases. If you believe that you would like to pursue legal avenues, it would be best to hire a lawyer local to your area. Foreclosure laws and processes vary from one state to the next. So a famous lawyer from a different state may be of no use to you in your home state.

Foreclosure lawyers do not only mount your defense. They can educate you with options like mortgage modification and other alternatives to foreclosure.

Be Wary If: You Get Promises about Getting To Keep Your Home

There is no real way to tell if you will get to keep your property. What you can expect a good lawyer to say is that they shall fight your case to the very best of their abilities. While it is ideal that you get to keep your home, proper lawyers shall keep you realistic about the whole process and potential outcomes.

Be Wary If: You Get Assurances of “Special Deals” They Can Secure For You

Always remember that if something seems too good to be true, it probably is. There are no special deals or shortcuts that can help save your home. If there are, those are more than likely scams and are quite illegal.

There is no sense in trying to save your home from a foreclosure only to lose it to a conman.

Be Wary If: You Are Going To Be Charged Ridiculous Fees

Proper foreclosure lawyers are quite upfront with their fees. They will have clear breakdowns of expected costs. They will have flat fees that will depend on the complexity of your case. While it is to be noted that lawyers will charge you fees for filing and other bureaucratic process, they should not be worth the cost of a brand new house.

If your case makes it to court, you can expect an hourly rate charge to come into play. A good practice is to inquire with more than one law firm as some may have free first consultation. You can get a good idea of whether or not you’re talking to a bad lawyer simply by asking for a breakdown of fees. Do not forget to compare prices. You’re already in dire straits. It would make no sense to compound the issue with further financial burdens.

Always be mindful of the overall goal. If you want to keep your home, be sure to express this to your lawyer. If they suggest an alternative, do keep an open mind. If you do not like the suggestions given to you, you are always free to consult other legal representatives that bring you comfort.

Bouncing Back From Financial Ruin: How to Forgive Yourself

One thing that most people don’t talk about is the guilt you carry when you make financial mistakes. It can be pretty bad for minor things but worse for significant financial ruin. In case you were wondering, yes, getting fired counts as a financial mistake.

Today, we’re digging a little deeper and rooting out something that impairs people from achieving full recovery: guilt.

Experts have found that even if someone manages to get out of debt, a lingering feeling of guilt can be dangerous. Emotions play every bit of an importance to full financial recovery. As we’re wholly committed to helping our readers triumph past ruin, we’ll be looking at how you can learn to forgive yourself.

Accept your mistake

It is said that the first step at dealing with any problem is to accept that there IS a problem. People who are not able to do this often find themselves back in the pit of financial mistakes. A great way to ease the process of acceptance is to talk to people who you know can understand you.

Express your regrets out loud instead of just holding them in. The simple act of vocalizing your guilt is a great way to get rid of it. Shouldering the responsibility of a financial mistake can be tough but you can persist as long as you start off with the right foot.

Understand what you did right

There is a great difference in acknowledging that you made a mistake and fully comprehending it. What led to such a mistake and what was done immediately afterwards will need to be reviewed. You need to identify what you did right as well.

This particular step can be daunting to most. It takes a different kind of strength to be able to look back on something that’s deemed shameful and find some good in it. Realizing that even in the worst of situations that you were able to do wise decisions is a good boost for future pitfalls.

Avoid being overly critical of yourself

It can be easy to be quite critical of yourself. This is particularly true when thinking of actions that led to significant difficulty. It’s easy to set a comparison between your own mistakes and the seemingly blessed life of others. At that point in time, it is important to remind yourself that you know all the details of your own struggle but not the struggles of others.

Being overly critical of yourself can severely impair your ability to forgive yourself.

Parlay your guilt into personal growth

Regret can certainly take a toll in your psychological growth. However, this is a good chance to use this as a clear motivation to avoid future mistakes. It is a good jumping point into laying down practical choices for future financial decisions.

Considering the tips listed above can help do away with guilt for making big financial mistakes. Guilt is a heavy burden. Choosing to let go of the guilt you bear will serve you well.

Your Unemployment May Be Looming over the Horizon: the Signs You’re about to be Fired

Do you feel unease in your job security? Do you feel your supervisor’s eyes making a dent into your head when you’re in the office? Today, we discuss the signs that you’re about to get fired. While this topic may not be pleasant to some still recovering from job loss, it always pays to be prepared.

Most of our readers have shared that they were caught off guard when they were handed the pink slip. In the hopes that no one would be caught off guard again, let’s discuss some very real signs of nearing unemployment.

Sudden intensified scrutiny about time and expenses

At any job it is normal to face scrutiny. This is, after all, how your employer can tell you’re doing your job. However, if you suddenly find yourself at the center of an inquiry for any expenses you may have incurred or your timecard, you may need to brace yourself for unemployment.

The Accounting Department will rarely initiate any such scrutiny on their own. More likely, it was done at the request of a supervisor who believes that you are wasting company time and money.

Sudden drop in your assigned tasks

While most employees would love free time while on the job, you must be wary if you find yourself getting less and less work. If you aren’t being assigned any tasks, you should find out if you’re the only one who’s getting such a treatment. If your immediate supervisors are vague about the topic when you ask them, you can expect a date with HR soon.

Extremes in working environment

This refers to the phenomenon wherein an employee is the recipient of being micromanaged or being outright ignored by the boss. No one likes being micromanaged. It’s stressful and if you’re someone that the company wishes to keep, they would not be doing this to you.

While it may also be the case of an office tyrant, try to see if everyone else is treated thusly. If it’s only you, that’s a bad sign.

Your workplace is undergoing organizational change

When companies evolve or a merger is had, layoffs are not uncommon. Businesses exist to create money and chances are the first things they will do is to cut out any excesses. This can refer to the beloved office coffee machine and it can even mean several employees.

If you were already feeling unease in your job security before the merger, keep a cautious eye out.

Still, if you do get fired, it’s not the end of the world

We understand if it certainly feels like it is. You may be feeling shock and anger when it happens but try to remain professional and level-headed. Sort out your emotions privately and consult with HR about your options. Avoid a knee-jerk reaction at all costs. If you leave on a good note, you can even walk away with a recommendation.

Get in touch with people you trust. Never think that you have to keep it to yourself.

Saying Goodbye to a Home: What to do When You Can’t Afford Your Mortgage

Are you facing the reality of losing your home because of a mortgage you can’t afford? Read on as we discuss your options when it comes to the real estate battle you have to face.
Things used to be so easy, weren’t they? It was pretty much the pinnacle of the American Dream to be able to purchase a home. However, if you’re facing foreclosure, you are not alone in this regard. It was roughly around two to three years ago when a startling number of American families defaulted with their mortgage payments.

What happens when people default on their mortgages?

If the issues that made parties unable to pay their mortgage are not resolved, foreclosure is imminent. However, it is not something that instantly happens. If you have defaulted on your mortgage, there is still some time before your lender sends you a notice.

The sort of notice you get will usually depend on the state your property is on and who your lender is. You will more than likely receive an initial notice. If payments still aren’t made, you will be given a notice of sale. If you’ve ever seen Happy Gilmore, this is exactly what happened to his grandmother’s house.

What can you do?

First off, it would be important to get yourself a legal representative. Law firms that specialize in real estate disputes are the best ones to go to in times like these. They can provide you with a clear understanding of what your options are.

If you are suddenly unemployed, you can apply for unemployed benefits. While it may not be much, it can still help.

What options are there if you want to keep your home?

The simplest one would be to pay your lender the amount due plus any late fees that you may have incurred. We understand, however, that this may be unreachable for some. So what other options are there?

You can choose to rent out your property. However, it must be noted that there are taxes and landlord responsibilities that come with this option. You may also choose to seek forbearance. This is an agreement in which you pay a portion of your standard payment for a set period of time. After this period has lapsed, you must return to paying the regular fee as well as the additional amount that has not been paid.

What options are there for those who cannot keep their homes?

You may consider choosing a short sale option. A short sale will help you avoid foreclosures and will shield your credit score from taking a massive hit. You will need to have your property evaluated. If the findings are that you owe more than what the property is worth, it’ll be time to approach a real estate specialist. They can help facilitate the short sale and you can enter a short sale agreement with your lender.

Keep your eyes open and you’ll be able to find a way to face your troubles head-on.

Take the Bull by the Horns: Our Global Action Plan Needs You!

We must look beyond our own nation. We are more than just the USA. We are merely a drop in the sea of humanity. We all must work together to help push humanity beyond mediocrity and greed. We do more than addressing the concerns of those who have suffered and lost their jobs, homes, and businesses. Victory for the World looks beyond our own shores and see the big picture.
We understand that there are more than just banks that hinder us from true victory. Banks do need to face reform. However, we also need to safeguard the planet that we live on. There has been an alarming amount of support shown for the naysayers of global warming.

Yes, Global Warming is a “Thing”

It is quite frustrating that despite the overwhelming amount of data available, people in power refuse to acknowledge it. In fact, they go out of their way to declare it as a hoax or something that has no conclusive study. Our glaciers are melting and the sea levels are rising. Each year has been progressively warmer than the one before. This isn’t something that’s isolated to the US.

Meteoric rises in recorded temperatures are occurring all over the world. Several of our brightest minds have all been on a campaign to raise awareness. The National Snow and Ice Date Center have time lapse images that show that major mountains like the Rockies and the Himalayas are losing their snow at an alarming rate. All the water that comes from those mountains finds their way to the sea. It is also to be noted that when sea water warms, it also expands. When the seas rise, lands disappear.

You know who lives on land? We do.

We all have seen the devastating consequences of stronger rains. It is estimated that by the year 2030, the number of people who are exposed to flooding shall triple. Our weather has been crazy and it’s because of any superstitious or supernatural cause. We are causing this severe change in our environment simply because of the inaction of people in power.

What can we do?

You can join us in our cause to promote further awareness in a peaceful manner. We all need to get involved in order to save our world. We’re already losing so much simply because we refuse to let go of fossil fuel as a source of energy.

We need to blaze the way and demand for clean and sustainable energy. When the US pulled out of the Paris Agreement, they did a major disservice to us and our future generations. It is crucial that we must break the stranglehold that oil companies have on our government. We need to free our planet from petty greed.

We must not let another year go by wherein the existence of global warming is denied. Get in touch with your local and national representatives. Let them know that we are watching and are aware that our planet is in danger.

Lost Your Job? Let’s Take a Good Look at Unemployment Benefits

Losing your job can be a pretty stressful event. If you’ve just lost your job, it is important to have a clear idea of what you need to do next. That’s what we’ll be looking at today. One of the best things about being part of the USA is that when you lost your job (and depending on how you lose your job), you’re entitled to unemployment benefits.

What is unemployment benefit?

It is compensation made by our government to unemployed individuals. While the rules that govern eligibility for unemployment benefits vary from one state to another, it is rather easy to verify. In light of our technological advances, you may now even apply for unemployment benefits online. While the other ways to apply are either by phone or by mail, going online is believed to be the easiest way to do so.

How do I check if I can receive unemployment benefits?

The best way to find out is by visiting your state unemployment office. A common mistake most people make is automatically assuming that they do not qualify. Keep this in mind, general qualification considers a few things:

  • That you lost your job but it wasn’t your fault.
  • You have been an employee for a certain period.

If you quit from your job, you are ineligible for unemployment benefits.

What details do I need to provide to apply for unemployment benefits?

Like most things, the requirements can vary from one state to another. However, there are a few similarities like your mailing address that must include your zip code. Your social security number is also something that they’ll need, as well as any valid forms of identification. Of course, you’ll need to provide details about your previous employer.
While it may seem daunting, always keep in mind that these checks are put in place so that no shysters can penetrate the system that was made to benefit us.

Tips to remember!

Do the process yourself. There are people out there that may offer their services to file a claim on your behalf. While there may be some who do wish to help, it is ultimately best to be safe. Unemployment benefit scams are alive and well.

If you’re going to apply through a website, make sure that’s it is legitimate. It only takes a few moments to ensure that the site you’re looking at is the real thing.

Be aware that even if you are rejected, you can file for an appeal. If you are eligible, consider beforehand if you want taxes to be withheld from your unemployment payments. Payments can come in different forms: debit card, direct deposit, and even checks. Payments can be made weekly or bi-weekly.

Never hesitate to ask for help. Losing your source of employment can seem pretty terrifying. However, you shouldn’t let panic and despair overtake you. When in a financial bind, you must remember that there are ways in which you can bounce back. Never lose hope and persevere.

Online Job Opportunities

Home Based Business for Women

Going to work can be very troublesome for women. Besides having the trouble to get up early to have time to prepare and potentially getting stuck at traffic, women can also be harassed while heading to work.

There’s so much to do even before you start doing your actual work and there’s so much trouble trying to get to the workplace. Have you thought of just working at home? There are actually home based business opportunities for women. You can do and have your work at the comfort of your own home.

Home Based Business Opportunities for Women

Home Based Business Opportunities for Women

There actually isn’t really much of a difference with home based business opportunities for women and men. Both can have the options of creating and doing work at their own home. If you don’t have or if you’re tired or if you no longer wish to work at your current office or company, you can try and start establishing a home business.

If you have a skill or a passion, you can create a business plan out of it and turn your hobby into something profitable. The internet connection is also vital with home based business to market your work. High paying jobs can also be acquired online. You could search for an online job that could best fit your skills.

Advantages of Working at Home

If you work at home, you no longer need to be too concerned of having time to prepare yourself for the job. It depends but typically a home business established by you depends on you because you are the boss after all.

However, if you choose to have an online job, the need may depend. Regardless, there’s no doubt that the advantages of working at home can outweigh the benefits of have any other jobs. Working at home, you no longer have to worry about leaving home, getting stuck at traffic or getting harassed. Plus, you can have more time for your family if you work at home.

Online Job Opportunities

Online Job Opportunities

If you have a fast and reliable internet connection, you can resort to online job opportunities. Online jobs are good home based business opportunities for women. You can also apply for an online job without the need of a degree.

As long as you have the skills required, you can apply and get an online job. Online job opportunities are great ways for you to potentially enjoy the advantages of working at home. If you don’t have the necessary skills needed to have an online job, you can learn it from the internet.

Read articles and watch videos about the skill you have to learn for the online job you wish to apply for. Online job opportunities can open a great start to financial security.

Perhaps not working at home can be more of a trouble for women just because of the additional harassment but that isn’t a case everyone experiences. If you prefer to work and enjoy the advantages of working at home, you could either turn your passion into something profitable or find good online job opportunities.

Know that there are risks with online job opportunities but having an online work could also mean having a high paying job.

Disadvantages of Home Businesses

Is a Home Based Business the Right One for You?

Wouldn’t it be nice if you could work from the comfort of your home? Many may not know yet but with today’s opportunities, working at home is slowly becoming a common thing. You could work at home and actually even have higher pay than other corporate jobs.

Yes, it’s possible. Surprising as it may seem, a very high paying job can actually be a home based business. It is possible to get a fortune just from working from the comfort of your own home.

Home Based Business

Home Based Business

Working at an office or somewhere besides just at home can be such a hassle. You have to prepare early, make sure you won’t get late, travel to your work place, get stuck in traffic and probably even deal with toxicity in your workplace.

Not only that, you could also have a terrible boss or a bad pay. What if I told you that you can actually have a home based business? A home business or a home based business is a business that you do at the convenience of your own home.

You don’t necessarily have to own the place but it requires you to be working at the same property. There are still of course advantages and disadvantages with having a home based business but it can potentially be better than having a job somewhere else.

Advantages of Home Businesses

There are a lot of opportunities in creating or having a home based business. Much of the home businesses can be doing online work and you could actually work online as a graphic artist, article writer, marketing expert and many more.

Of course, you could also create a home based business based on what you want to really do in life and turn your passion into something profitable. The advantages of home businesses are actually quite a lot. One beauty of working at home is not having the need to travel.

When you work at home, you’re already at your work place. If you work online, you might not even have to do anything else besides opening your computer and having a reliable internet connection.

You will love the advantages of home businesses. You also may not need a degree to get an online job or to start your own business from home. Regardless, you can still make a lot of money just from working at home.

Disadvantages of Home Businesses

Disadvantages of Home Businesses

Yes, advantages of home businesses are beautiful but there also downsides in having a home business. Disadvantages of home businesses can be critical as well and it’s important for you to know them. The chance of getting an online job may be low for you.

It may not be easy getting an online work, let alone a high paying one. Disadvantages of home businesses may also include you not being your own boss and of course this could also mean that you having the home business can’t mean happiness or having a long-term job.

Creating or having a home business is possible for everyone. You just have to look or create a plan that would enable you to create a profitable home business. Study the advantages and also study the disadvantages of home businesses.

The advantages of home businesses should weigh more than the disadvantages of home businesses if you are to create or have your own home business. If you are happier with working at home and it proves to still be profitable, you should consider having your own home businesss.

Join the Good Fight: The US Action Plan

People need to take a more active stance in protecting our interests from Bank Monopolies. Today, we list things that we American citizens can do to enlist the aid of our government. One of the best things we can do in order to safeguard our interests is to get our local and national government involved. The economy has yet to recover from the recession and the fact that many of our fellow Americans have now lost jobs and homes is completely unacceptable.

Our government’s job is to safeguard its people. The tales of people whose lives were suddenly turned upside down must end. Aren’t you sick of seeing our representatives seemingly be immune to the horrors that most American families now face? Rising healthcare premiums, bank bailouts, and so many other issues permeate the sphere of our reality. We put our government officials where they are so it should only be logical that they adhere to the wishes of the people.

As citizens, we must make our voices heard. We are the pioneers of democracy! It is time that we take matters into our own hands and be truly active with our political processes.
We must write or call our local representatives in both the senate and the congress. It must be made plain that in order to gain our continued support, there must be certain implementations made. Here are some of them:

  • A law must be made that absolutely prohibits any and all politicians, regardless of political affiliation, from accepting any monies or amount from any sort of financial institution.
  • Clarify and establish new and stricter regulations for banks. This specifically regarding the reasons in which banks approve or reject loan extensions.
  • Retain the ACA until a clearly viable alternative is to be presented to the American public and meets approval.

We are in a time of our history where our voices can be easily broadcast into the world. Make use of social media to raise awareness regarding our campaign. This is a fight that Americans must be part of. We do not gain if we are divided and at each other’s throats.

We deserve victory. It will only be through our collective actions and efforts that will effectively lead us to better days. It is time to wake up and realize that if we want something done, we need to make sure it comes to fruition.

Don’t Lose Your Head: What to do When Financial Disaster Strikes

The only thing we know about life is it is unpredictable and that money makes a lot of difference. So it is understandably alarming if you find yourself in the middle of financial disaster. When you do unceremoniously find yourself smack dab in the middle of financial ruin, it is important to remain calm.

Now is not the time to fall into despair. If you are the head of your household, there are people depending on you to make everything right again. However, it is also important that you know that you are not alone in your journey.

One of the most important things you need to do at the start of it all is to realize the reality of your situation. For a lot of people who aren’t able to do this, they end up with a deeper ditch than they originally started with.

There are many others who have been in your shoes and have bounced back from the financial abyss. If you find yourself facing bankruptcy, it is important to know what it is.

What is bankruptcy?

It is the legal status of anyone or any entity that cannot suitably pay back debt it owes. You must ascertain what type of bankruptcy you fall under. For example, you can fall under Chapter 7 or Chapter 11.

A great way to ascertain for sure if you do fall under a certain type of bankruptcy is to do complete inventory of your present finances. When there’s a storm in the horizon, it’s important to make sure that you keep a good eye on what you still have. Having suitable understanding of your financial capacity is a great way to start building your plan to get out of the dire straits you’re in.
Asses your remaining assets and have a frank understanding of how much cash you have on hand and have access to. Overhaul how much you spend each month. Clarify that your spending must only be on critical things like food or your mortgage.

Once you’ve done this sufficiently, it would be important to clarify your action plan to getting back on your feet. Determine how much income you realistically need each month and how this can be set toward paying off debts.

If you ever feel anything is too much, you can find support groups that can help you weather your financial storm. One piece of advice that most people don’t realize is important is: don’t just focus on paying back your debt. Even when you do have debt hanging over your head, it is important to get a sort of reward system in place for yourself.

A balance must be struck between paying off your debts and sustaining your emotional satisfaction. Yes, emotions should be taken into consideration when planning your financial recovery. Just hunkering down and allotting every since cent to debts and other responsibilities will be draining in the long-run.
If you plan your financial recovery well, you will find success in the end.