Tuesday, July 31, 2012

Top 5 Mistakes California Homeowners Make When Facing ...

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Let?s face it: when confronted with potential foreclosure on their home, many homeowners panic and don?t necessarily make the right decisions. Not knowing your rights or the rules, failing to get informed or ignoring the problem altogether often lead to very costly mistakes, some of which are described further below.

#1 MISTAKE: Ignoring the Problem

We know how natural this reaction is among homeowners having trouble paying their mortgages and other bills, its simply human nature: freeze up, go into denial, and stop opening the bank notices. The overwhelmed homeowner feels absolutely lost, not knowing where to turn, and thinks that contacting the lender will be a waste of time. This is absolutely the most serious and costly mistake a homeowner can make.

To Avoid It: whatever you do, if you are facing foreclosure, take some action, contact your lender and contact an experienced attorney or government agency as soon as you can to discuss your options. There are extensive rules and regulations in place to help struggling homeowners like yourself, including extensions, mandatory negotiation processes that the banks must follow in an effort to help you try to resolve your problem, especially if facing a hardship as are so many current struggling homeowners. There are legal strategies that can be implemented; laws may have been violated inissuing your mortgage or during the ongoing foreclosure process; any number of violations may enable you to invalidate the foreclosure process, force a negotiation of a short sale or reach some other resolution.

#2 MISTAKE: Not Knowing the State Foreclosure Rules and the Timelines That Apply to Your Foreclosure

The second big mistake that homeowners make is in failing to learn the foreclosure procedures and timelines in their state so that they can understand exactly where they are in the process and anticipate what time they have left to act.

Knowledge is power. Rules vary from state to state and can be very complicated and confusing. Failing to understand the foreclosure timelines can cause one of the most costly mistakes: the homeowner believing the sale is postponed, only to find out that the foreclosure sale had been proceeding all along and that their house has actually been sold by the bank at a trustee?s sale! This is an all too common mistake being made and results in the scenario in which the homeowner finds out his house is sold only from a knock on his front door from a new owner saying ? I have bought your house at a foreclosure sale and you need to vacate.

To Avoid It: You need to contact an expert to inform you regarding the specifics of your case.In general, the California foreclosure process is as follows:

Following at least 90 days of delinquency in mortgage payments, the lender issues a Notice of Default (?NOD?) The NOD is mailed to homeowner, recorded in the County where property is located, and the 90 day NOD period begins At the end of the 90 day NOD period, the Notice of Sale (NOS) is mailed to the homeowner, filed by the lender at the County recorders office, published in the newspaper, The NOS must give at least 21 days notice before the actual trustee?s sale, and will include the information on the sale (time, date, address?of the sale which will usually be conducted by trustee?s near a court house in the county where the property is located. It is important to note that very frequently the trustee?s sales dates are postponed; yet no notice of the new trustee?s sale date is sent to the homeowner.*Note: A new 2009 California law extends the foreclosure period an additional 90 days for certain loans.

Generally, it is vital to start trying to resolve your situation by negotiation or other strategy as early as possible. The lender will work with the homeowner to try to resolve the situation in the first 90-day Notice of Default (NOD) period. The deadlines can and are often delayed at the request of the banks if you are working with them. However, the banks are much less likely to cooperate once the file has reached the Notice of Sale stage, and the NOS has been recorded and published.

#3 MISTAKE: Failing To Get Informed and Make a Strategy To Help You Reach Your Goal

All too often, California homeowners faced with foreclosure are failing to get the help they need to determine what particular solution will work best for them. Due to the countless variations in each homeowner?s situation, solutions are highly dependent on the circumstances of each case. Solutions can range anywhere from moving out and letting the house go to foreclosure, all the way to filing a lawsuit against the bank to fight the foreclosure, and any number of variations in between from getting extensions of the foreclosure, negotiating a short sale, loan modification, deed in lieu, bankruptcy and others.

To Avoid It: Consult with an expert foreclosure attorney (see contact form at the bottom of this page) who can advise you regarding a strategy to meet your particular circumstances. The banks and loan servicing companies have large numbers of attorneys to represent their interests. Trying to devise a strategy and contest the banks without the use of an experienced foreclosure attorney can lead to costly and irreversible mistakes. Get an experienced attorney who should keep your lender informed so as to maximize your opportunities for a successful resolution.#4 MISTAKE: Thinking That Filing Bankruptcy Is Always The Best SolutionMany homeowners have been talked into filing bankruptcy before foreclosure or very early in the foreclosure process. This can be a HUGE mistake. Some homeowners have been told that this will save the house. It will usually only delay the sale as, following a relief from stay court hearing, the house will be often be released from the bankruptcy. What ?s worse: By filing early, if the bankruptcy is completed before the foreclosure, the homeowner may have lost the biggest reason for going bankrupt: to discharge the huge potential liabilities from the foreclosure, from the 1099 debt relief, or from juniorliens that will be sent to collections.

To Avoid It: Before filing bankruptcy, make sure you speak with an experienced foreclosure defense attorney to understand all the issues involved.

#5 MISTAKE: Trying To Sell Or Short Sell The House Without Understanding The Current Market and the Difficulty of the Process

Too many homeowners have been burned in the last few years by deciding they would sell their house via a regular or short sale, only to find out the massive delays, headaches and eleventh hour threats from the banks render the entire process NOT worth pursuing, and sometimes, even putting the homeowner in a WORSE position than if he just let the house go to foreclosure. One of the complicated yet vital issues is that banks are often allowing the homeowner to go through the short sale process for months, only to make a last minute demand just before the closing that the homeowneraccept liability?by signing a note- for all or part of the mortgage amount being forgiven. Ironically, in California, homeowners have a valuable legal protection making them NOT liable for deficiency judgments if the loan was a purchase money loan?and yet many, in connection with short sales,unaware of this protection?are signing promissory notes accepting liability they otherwise would not have.

To Avoid It: Consult with an experienced foreclosure defense attorney who can advise you regarding the best course of action.

This article is a courtesy the Save Your Home from Foreclosure Team, specialist foreclosure attorneys. You can reach them at 1-888-736-4248.

DISCLAIMER: The information provided on this website or the web sites linked herein are not a substitute for professional medical or legal advice, diagnosis or treatment. In addition, viewing the content on these websites, requesting additional information, or transmitting information through a contact form does not form an attorney-client relationship with the sponsoring attorney. Any results set forth herein are based upon the facts of that particular case or scientific study and do not represent a promise or guaranty regarding similar outcome or causes. The information on this site is intended for educational purposes only and should never interfere with a patient/site visitor and his or her healthcare provider. This firm is licensed to practice law only in the state of California, but is affiliated with a network of licensed attorneys in other states.

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Source: http://rawbusinesslaw.com/2012/07/30/top-5-mistakes-california-homeowners-make-when-facing-foreclosure-real-estate-foreclosures/

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Bound Tree Medical, MSC Industrial seeking Ohio tax credits; promise of 355 jobs

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Former Ranger is back to coach SVMS volleyball

Jessie Hartman never thought seriously about being a volleyball coach until Lianna Gombert planted the seed.

From what the Smithson Valley coach saw, her former player was born to be in that role. During her four-year career with the Rangers, Hartman displayed leadership qualities and a determination to succeed, Gombert said, and that carried over to Tarleton State.

With Gombert's encouragement, Hartman decided to enter the coaching profession. And she couldn't have picked a better way to make her debut than returning home as Smithson Valley Middle School's seventh-grade volleyball coach.

?Coach Gombert kinda talked me into it,? said Hartman, who received her degree in business. ?She's been putting little whispers in my ear the past few years. Last year, I started leaning that way. It's just natural me to go into coaching.

?I think the thing that made me decide was the impact my coaches had on me and my fellow teammates. If you work you reap what you sow and it feels good at the end of the day. If I can help younger players feel that good and grow as a person it will feel great. I hope I can give them some motivation.?

Gombert has no idea her former player will do just that.

?Jessie is a positive young lady,? Gombert said. ?She has great presence and is a good role model. So many of my former players and current players look up to her. I knew she had a lot to offer as a coach. She's going to do a wonderful job.?

Hartman is eager to start. She's getting to know some of the girls this week during Smithson Valley's volleyball camp and already likes what she sees. There's other reason for her to be excited. Older sister Ali Baugh is also coaching at the middle school.

?It's exciting coaching together,? said Hartman, who will be teaching youth leadership. ?I'm excited about working with Coach (Wayne) Rushing (at Smithson Valley Middle School). He's my type of coach.?

Hartman has another advantage, along with the skills and passion for volleyball: She can relate to the players since her volleyball career also began in Smithson Valley's system.

She believes that grooming period is what propelled her to the college ranks. Now, she wants to return the favor.

?Coach Gombert is the best,? said Hartman, who was a member of Gombert's first team at Smithson Valley. ?She had me so prepared when I went to Tarleton. She not only teaches you to be a good player, but she teaches you to become a stronger young lady.

?What more could you want from a coach than to have someone who will lead you the right way. She gave a strong basis to start. I can't imagine not having her as my coach. I probably wouldn't be coaching.?

Tarleton was also a valuable experience for Hartman. The TexAnns missed out on winning a Lone Star Conference title during her time, but they were competitive, including this past season where they finished third in the LSC tourney after entering as the fifth seed.

In addition, the former Smithson Valley player stood out as a four-year starter. She became team captain and etched her name in the Tarleton record books for assists (3,268) and most games played (491).

?I loved everything about Tarleton,? said Hartman, who earned All-LSC Tournament honors this past season. ?It was similar to Smithson Valley because there was so much support and the athletic community was so close.

?Breaking the assist record was so cool. I went there and told myself I was going to break that record. I made that my goal. It was a great time. I learned a lot more about being a leader.

?To me if you can lead and motivate your team as a player you can be a coach. That goes hand-in-hand.?

Pat Turner is a freelance writer based in San Antonio.

Source: http://www.mysanantonio.com/community/bulverde/article/Former-Ranger-is-back-to-coach-SVMS-volleyball-3734741.php

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Friday, July 27, 2012

Skydiver Leaps From 18 Miles Up In 'Space Jump' Practice

3. I understand objects falling from that altitude tend to encounter very little air resistance, which means they pick up a lot of speed. The kind of speed that causes brilliant fireballs to appear in place of anything falling from that height, like asteroids, satellites, and space shuttles.

Not really. Most things that cause brilliant fireballs have a very high initial velocity (and kinetic energy) which must be dissipated when they first reach the atmosphere. This skydiver started with a vertical velocity of zero.

And since the density gradient of the atmosphere is low, a skydiver's air resistance will build up slowly bleeding off this energy gradually.

All that must be done is to bleed off the skydiver's potential energy. For a 115kg (person + gear. I'm pulling figures out of my *ss here) at 29,500m altitude, this is aprox. 32,700 Joules. Dissipated in 630 seconds, this is an average rate of 51 Watts. Warm, but not out of line with being wrapped in an electric blanket.

That same individual hitting the atmosphere at 7750 m/sec (Shuttle re-entry velocity) would have kinetic energy of 3.45E9 Joules. Over 630 seconds this would be 5.5 megawatts, although the 630 second figure does not represent the re-entry time anymore. That time would be less, giving a higher average dissipation rate. And nothing but a few ashes reaching the ground.

Source: http://rss.slashdot.org/~r/Slashdot/slashdotScience/~3/Y5xSWhwN3K4/skydiver-leaps-from-18-miles-up-in-space-jump-practice

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Follow Me: Google Makes Remarketing Easier For Advertisers, Connects Analytics And Display Network

follow-meWhenever you see the same ad for a shopping site you just visited pop up across the web, chances are that's not a coincidence but a remarketing effort by that site. These sites often offer users who abandon their shopping carts a discount to lure them back, for example, but the only way to get a hold of them once they have left the site is to target ads to them on other properties around the web. Google today announced that it is bringing its Google Analytics and Google Display Network closer together to give advertisers an easy to use option to remarket to very specific audiences who have visited their websites. This new service, says Google, simplifies the remarketing process and gives its advertisers more flexibility and "new ways to connect with [their] target audience."

Source: http://feedproxy.google.com/~r/Techcrunch/~3/Ust5rQvNeWQ/

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Need To Rent A Palm Springs Area Home? We Can Help For Sure!

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Any information relating to a property referenced on this web site comes from the Internet Data Exchange (IDX) program of CARETS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site.

The accuracy of all information, regardless of source, including but not limited to square footages and lot sizes, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. The data contained herein is copyrighted by CARETS, CLAW, CRISNet MLS, DAMLS, CRMLS, i-Tech MLS and/or VCRDS and is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited.

CARETS, California Real Estate Technology Services, is a consolidated MLS property listing data feed comprised of CLAW (Combined LA/Westside MLS), CRISNet MLS (Southland Regional AOR), DAMLS (Desert Area MLS), CRMLS (California Regional MLS), i-Tech MLS (Glendale AOR/Pasadena Foothills AOR) and VCRDS (Ventura County Regional Data Share).

Date last updated: 7/26/12 7:57 PM PDT

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Source: http://www.talkingrealestatepalmsprings.com/rent-a-palm-springs-area-home/

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Nokia Windows Phone 8 slated for Sept. 5 reveal ... - Know Your Cell











Nokia World 2012 is right around the corner, which likely means that so are the company's first Windows Phone 8 handsets. In fact, we could see the big reveal of the next set in Nokia's Lumia lineup as early as Sept. 5, according to Chinese site WPDang.

Sticking with its Lumia branding, the newest handsets will most likely be dubbed the Lumia 910 and Lumia 920. How exactly Nokia's next-generation smartphones will differ from the last is still uncertain, but we'll hopefully hear more on this during the Nokia World event. The report, however, notes that we won't be seeing that newfangled PureView technology anytime soon.

If you recall, we first saw the PureView during MWC 2012, where it earned Nokia the award for Best New Mobile Handset. But the big problem with PureView is that it's innovation meets the Stone Age; the new camera technology currently runs on the completely outdated Symbian operating system.

While some folks may find it irritating that Nokia's not pimping its newest camera feature into its latest smartphones, we're quite fine with it. The PureView technology, while an entirely unique and cool concept, isn't at all necessary. Nobody needs 41 megapixels crammed into their smartphone. Why? Well, you can read more about it here.

PureView or not, we're excited to see what Nokia and Microsoft (also expected to make an appearance at Nokia World, most likely to show off more Windows Phone 8 features) have in store for the latest in the Lumia lineup.

[Technobuffalo]

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Source: http://www.knowyourcell.com/news/1505608/nokia_windows_phone_8_slated_for_sept_5_reveal.html

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