2014年11月

AS SOON AS I HEAR THE WORD FORECLOSURE, THE FIRST WORD THAT POPS INTO MY HEAD IS - CREDIT. I think of what it does to a credit score and how it’s probably the worst item that could show up on a credit report. I also wonder what the homeowner really understands about his / her credit report and that foreclosure.

THE BAD NEWS IS: a foreclosure will stay on a credit report (in the Public Records section) for 10 years. It will kill any chances of you buying a new home for at least 3 years. Some banks will lend money to a borrower with a foreclosure that’s just over 3 years old (That’s 3 years from the date the foreclosure is finished- not from when it started). Also, a foreclosure will drop your overall credit score quite a bit.

FOR EXAMPLE, let’s say that your credit score was a strong 715 before your foreclosure. Then you had a hardship & your home went into foreclosure. If you were just late on the mortgage and no other debts, that 715 score will probably drop to the mid 500 range. (There are several variables to consider here because your score is determined by the amount of accounts your late on, The amount of debt you carry, the frequency of the late payments, weather it’s an installment loan or a revolving loan, and several more factors. So each credit report is unique. For the sake of this article, let’s just say the mortgage was the only account late.)

THE GOOD NEWS IS: It will NOT kill your credit report for life, you can start re-building your credit almost immediately and it will NOT stop you from buying a home in the future. I know this because I have been in the real estate and mortgage business for that last 13 years and I’ve seen many people came back after a foreclosure. I have also structured many home purchase loans for people with a previous foreclosure. Most of those loans have been underwritten through FHA (Federal Housing Administration) lenders offering excellent rates and programs- some with just 3% down payments needed by the borrower. I should note that lenders who lend to borrowers with a former foreclosure are very picky, they view this loan as a second chance and they will probably shoot it down if they see anything late at all on the credit report, or even a bounced check. So if you’re trying to purchase a home after a foreclosure, your credit must be spotless. If you want more solid, real world facts regarding your credit after your foreclosure, please see our website in the Resource section of this article -IT MAY JUST SAVE YOUR HOME FROM THE AUCTION BLOCK!

IF YOU DIG DEEP ENOUGH, it won’t take you long to realize that you can probably STOP or STALL your foreclosure by yourself. You don’t need to pay a total stranger thousands of dollars and hope they will do the job for you – I know I wouldn’t.

For more straight, no BS, ethical advice on saving your home without going broke, please visit our web site.

Ed Packman has been in the foreclosure prevention industry for more than 13 years now, and has helped over 1,500 hundred families avoid foreclosure and stay in their homes. These families have been able to continue on with their lives because of the ethical, honest information provided in his e-book, “How to Stop, Stall or Kill Your Foreclosure” available @ http://www.DIYforeclosure.NET.
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Building sheds could be a daunting task, and one which you might like to p[censored] on to a professional. However, this is also a task, which if you could successfully accomplish, is certain to present a lasting impression for all. Therefore, before you buy your shed and shed building materials, devote some time to this guide and be equipped with pertinent information needed before you start on the construction of your shed.

Chart out your requirements

If building a shed is one of the jobs on your to do list, chances are that like other tasks, there is a specific requirement for accomplishing it. So before you start, precisely define the need. It could be for, say, storing agricultural yield, or maybe for simple household storage. Whatever your shed will be used for, the purpose definition would logically help work out the desired size of the shed. The second required component at this stage would be the available space. So with these two sides of the equation available, it should be possible to zero down on the practically possible shed size. However, before moving forward, do check the construction limits. Also while finalising on this aspect, visualise the constructed shed (of the worked out size) in proportion with the backyard and ask yourself some fundamental questions, such as: will the shed look right in the garden; is the door opening wide enough, in the correct place; how many windows, if any, do you need?

The look and appeal

If sheds are more than a junk repository for you, this aspect is definitely serious. There are a number of options in the sheds types and you have the authority to select, so why settle with the basic. For instance, the choice could be a beautiful wooden shed. Though in the long run it would require protection and maintenance, wooden sheds look natural and they tend to blend in with the rest of the garden. However if maintenance seems too bothering a clause, try the metal sheds. They are solid and resistant provided they are made from galvanized steel. Other options in this category include plastic sheds and vinyl sided sheds.

For the base of the shed, paving slabs could suffice or maybe you could fix in a concrete floor. Treated timber bearers are also an option in this category. Concrete blocks are the most economical and easiest to build. Moreover, the construction would be stable.

Other aspects that deserve attention include accessibility, shed placement, natural light availability, power, water and other basic requirements should be considered for your shed. Placement should be such that the shed does not render an awkward look to the adjoining house or construction, and careful space utilisation is pertinent as well.

Let's plan

With the two basic aspects worked out, planning assumes priority. A shed plan can be purchased, referred to from books, or could be self designed. The last option could be difficult, especially if you are an amateur in this field. A suggestion therefore is to move with a readymade plan, already tested and tried.

Check the codes

Local building codes and ordinances must be closely checked before starting on the construction of your shed. Some sheds, like other structures, require the requisite permits, in absence of which they could be considered illegal. The ordinances could include: clauses relevant to the total space that can be occupied; construction time restrictions, etc. Approval might take weeks, and with some Housing Associations there are various rules and regulations that need to be addressed before a shed can be erected. There is more to building sheds then meets the eye, but now that you have been forewarned, you are now forearmed.


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Choosing the right doctor is one of the most important decisions one can make in a lifetime. He or she will ultimately be the person who looks after your health and possibly that of your family, and you are effectively trusting this person with your life. Read on for more information about doctor ratings.

Choosing the right doctor is one of the most important decisions one can make in a lifetime. He or she will ultimately be the person who looks after your health and possibly that of your family, and you are effectively trusting this person with your life. When it comes time to choose one, or if you already had one and need to find a new one due to a poor experience or relocation, there are three main things you should rate.

Doctors are complicated people. They are intelligent, diligent, motivated and organized and are essentially asked to dedicate their lives to their profession. It's safe to say they have quite a bit more responsibility than the average person.

Doctors also dedicate an inordinate amount of time to their work. They spend more time in school than most people, often-longer hours on the job than most do as well, and they are constantly required to stay up to date on the evolving nature of their profession.

What this ultimately means is that there are no under-qualified doctors. Anyone who has successfully completed medical school, landed a job or opened and operates a practice of his or her own is capable physically and mentally of safeguarding your life and health. So the question is, what separates one doctor from another, and what makes one right for you?

The answer isn't always simple; it depends on what you want. If you're looking for a temporary doctor in a location you don't plan to stay in, anyone could do. But if you're in search of a long-term physician that you can trust to take care of you and your family over the long haul, assess three categories of doctor ratings.

First and foremost, the right physician for you should be someone you like, get along with and feel comfortable with. A personable nature and personality are the first important qualities you should look for when assessing doctor ratings.

In reading reviews or listening to word of mouth, determine whether this person sounds like someone you would interact well with. Oftentimes those that are the most outgoing and personable are the ones that make you feel most at ease talking with and spend time helping you understand your medical needs.

Secondly, your physician should be thorough. When it comes to your health, you should want and expect no stone to be left unturned. In reviewing doctor ratings, take note of whether he or she is willing to go the extra mile, or more specifically take the extra test or perform the extra examination, to diagnose you correctly and effectively.

Lastly and perhaps most importantly is accessibility. The right physician for you should accept your insurance and other forms as well, just in case you switch. His or her practice should also be available after hours or be able to refer you to one that is. It should also have direct access to specialists in every field you could possibly need.

Doctors may be complicated people, but they are capable of making your life easy. The key is simply taking the time to find the right one, even if that might be hard.


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Turmeric is a [censored] e of Indian origin which has been long used in Ayurvedic and Chinese medicine because of its anti-inflammatory property. The active ingredient in turmeric known as cur[censored] in, which belongs to the family of cur[censored] inoid compounds, is proven to decrease inflammation in individuals with rheumatoid arthritis and other autoimmune disorders. This herb is well recognized as an anti-oxidant, antiseptic, lowering of blood sugar, anti-arthritic and anti-inflammatory properties. Further studies are being done to discover more medicinal properties of this herb.

The roots of this plant are used as the main ingredient of turmeric powder. The powder is then used for culinary purposes and medicinal uses. Turmeric is one of the major components of curry powder and is commonly used as [censored] e or flavor enhancer. The rhizomes of this perennial plant is boiled for several hours, dried with extreme heat using ovens and then grounded into fine powder. This powder has a partly bitter, slightly hot and [censored] y flavor and a mustardy smell. More importantly, turmeric is currently being studied for its anti-tumor and anti-carcinogenic characteristics. It is thought to impede angiogenesis which is an important process for cancer cell metastasis.

Turmeric has been long used in traditional medicine as an effective therapy for skin diseases and antiseptic solution for wounds. This herb is also used as a carminative management for digestive disorders like bloating, abdominal cramping, flatulence and appetite loss. It is also used topically for sores, wounds, eczema and swelling.

The preparation of this herbal plant can be done by pounding and pressing its roots to extract the juice out from it. It is then mixed with water and may be used topically or via nasal application. The root can also be lightly cooked and eaten. Turmeric is also helpful in earaches and to clear clogged sinuses thus easing breathing. Turmeric also has an astringent quality which is useful in the relief of constipation, tuberculosis, colds and asthma. Turmeric is a natural painkiller similar to cox-2 inhibitor and NSAID drug.

Turmeric is also believed to have a positive effect when used as a diuretic or as treatment for pimples and eczema. Another medicinal property of turmeric is that it is a natural liver detoxifier and has a hepato-protective effect. This herbal plant has medicinal properties and it is used by the Chinese herbalists in treating chest pains, sores, hemorrhages and toothaches. Turmeric is also used in treating ailments associated with respiratory and digestive systems.

The usual recommended dose of turmeric is 400-600 milligrams daily of turmeric tablets or capsules taken three times daily or as directed on the product label.

Experts caution that while herbs are effective in strengthening the body and treating disease, they may contain active substances that can trigger side effects and interact with medications (prescriptions). For this reason, it is highly recommended that herbs should be taken with care and under the supervision of a practitioner knowledgeable in the field of botanical medicine. In conclusion, turmeric and cur[censored] in are considered extremely safe at recommended doses.

Turmeric extract is available in capsule or tablet forms at your local or internet vitamin store. Always choose name brands like Source Naturals to ensure quality when buying herbal remedies to boost your health and wellness.


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Starting a sheet music collection is easy, once you’ve decided what you want to collect. Sheet music is inexpensive and relatively easy to find. You can find music at yard sales, antique shows and on the internet. Only music that is very scarce or rare is expensive. Most pieces can be found at a price between three and twenty five dollars. Extremely rare sheet music can carry a price of up to a thousand dollars, but few pieces fall into this category. You will find music in any color graphic or subject matter you are looking for.

People collect sheet music in many ways. Sometimes sheet music is collected by the genre or songs. You could put together a history of music in America with a sheet music collection. You could do this with the entire history of our country or concentrate on one time period or decade. The possibilities are endless - be creative when building your collection! Songs have been written about most important events in our history, including wars, plane crashes and natural disasters. Themes such as love or the evolution of images of women in music are popular themes for sheet music collections. Other collectors focus on one composer or cover artist.

Ragtime music from the early twentieth century is popular with collectors of vintage sheet music. This music is considered the foundation of modern jazz music. A ragtime music collection looks great displayed in a room decorated in the Early American style. And the cover art on rag time sheet music looks great displayed in picture frames on a wall or sofa table.

Music written by famous composers is popular among sheet music collectors. This music is readily available in all music genres. Other collectors focus on rare or vintage sheet music. The value of these documents depends largely on the condition of the sheets. Pieces in mint condition will be more expensive. Most sheet music isn’t found in perfect condition. The spine of the sheet was usually broken to make the score stand up in the music stand. Spills, tears and names written on the covers are common because sheet music was often used at parties.

Sheet music displayed in a family room or bar area makes a great focal point. Even people who don’t collect sheet music use it in a display of other collectibles. Collectors of beer, whisky, golf, military, cigars or trains can find sheet music to accent their collection. A few pieces of sheet music with great cover art enhance a display of other collectibles. Collectors of memorabilia from movies or Broadway productions often look for sheet music written for the production.

Any sheet music that isn’t displayed should be stored properly to preserve the condition. Store each set of sheet music in a plastic baggie like those used for comic book collections. Place those bags in a large plastic storage container to protect them from being ripped or crumpled. Store your containers in a dry place away from sunlight or moisture, which can damage the music.

For more information about sheet music visit http://www.sheetmusica.com - a site designed to help you find up-to-date bargains and information on any kind of sheet music.
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