The Complete Guide to Preventing Foreclosure on Your Home

Legal Secrets to Beat Foreclosure and Protect Your Home Now

Author: Martha Maeda,Maurcia DeLean Houck

Publisher: Atlantic Publishing Company

ISBN: 1601382308

Category: Business & Economics

Page: 288

View: 2632

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This guide provides you with strategies for getting legal advice, keeping current on your mortgage payments, negotiating temporary delays in payments, restructuring loans, refinancing, filing for bankruptcy, and creating and sticking to a budget. You will learn about debt counselling and income maintenance, tax abatement, and public assistance programs. This book also provides details on the March 2010 modifications to the Home Affordable Modification Program (HAMP) and to the Federal Housing Administration (FHA) programs offered by the federal government to assist homeowners who have been affected by the economic crisis through no fault of their own. In addition, this book will show you how to decide if your property is worth saving, how to figure out how much time you have to act, how to use the courts to stop foreclosure, how to decide whether bankruptcy is your best option, and how to use your military status to prevent foreclosure. You will also learn about foreclosure rescue scams, non-judicial foreclosure, judicial foreclosure, and notice of default. Also included is an explanation of the alternatives to foreclosure, such as special forbearance, mortgage modification, partial claim, pre-foreclosure, and deed-in-lieu of foreclosure. With foreclosures on the rise, it makes sense to know how to protect your home. The guide also provides you with tips, tricks, strategies, and secrets to prevent your home s foreclosure now before it is too late.

J.K. Lasser's Your Income Tax 2010

For Preparing Your 2009 Tax Return

Author: J.K. Lasser Institute

Publisher: John Wiley & Sons

ISBN: 9780470730546

Category: Business & Economics

Page: 848

View: 5431

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America's number one bestselling tax guide offers the best balance of thoroughness, organization, and usability For over half a century, more than 39 million Americans have turned to J.K. Lasser for easy-to-follow, expert advice and guidance on planning and filing their taxes. Written by a team of tax specialists, J.K. Lasser's Your Income Tax 2010 includes all the outstanding features that have made this book the nation's all-time top-selling tax guide. As an added value, you can gain direct access to dozens of bonuses through jklasser.com, including links to the latest tax forms from the IRS, up-to-the-minute tax law changes, small business help, and much more. The book of choice for today's serious taxpayer Your Income Tax 2010 contains Over 2,500 easy-to-use tax planning tips and strategies Easy-to-understand coverage of the year's tax law changes Filing tips and instructions to help you prepare your 2009 return Quick reference section that highlights what's new for 2009 Quick topic index to help pinpoint the biggest money-saving deductions Advice for customers whose use software or CPAs to file their taxes Filled with expert advice and guidance, J.K. Lasser's Your Income Tax 2010 will help you plan and file your 2009 tax return in the most efficient way possible.

The Foreclosure Survival Guide

Keep Your House or Walk Away With Money in Your Pocket

Author: Amy Loftsgordon

Publisher: Nolo

ISBN: 1413324398

Category: Business & Economics

Page: 360

View: 7463

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If you're one of the millions Americans who are having trouble making your mortgage payments or are already in danger of foreclosure, this guide will give you the practical information you need, including: the ins and outs of foreclosure how to decide if you should try to keep your house federal programs to help you avoid foreclosure alternatives to foreclosure, such as short sales and deeds in lieu delaying or avoiding foreclosure with bankruptcy, and avoiding foreclosure scams. This edition of the nation's bestselling book on foreclosure is updated with the latest information on the federal Making Home Affordable programs, federal mortgage servicing rules, recent court decisions affecting homeowner?s rights, and state foreclosure procedures and timelines.

Introduction to Information Systems

Enabling and Transforming Business

Author: R. Kelly Rainer,Casey G. Cegielski

Publisher: John Wiley & Sons

ISBN: 0470473525

Category: Computers

Page: 528

View: 2376

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Information technology professionals will gain invaluable information with this updated resource on how to connect concepts to key business areas. These areas include accounting, finance, marketing, management, human resources, and operations. The new edition provides concise and accessible coverage of core IT topics. Do It Yourself activities show them how to apply the information on the job. Technology professionals will then be able to discover how critical IT is to each functional area and every business.

Introduction to Information Systems, Third Canadian Edition

Author: R. Kelly Rainer,Casey G. Cegielski,Ingrid Splettstoesser-Hogeterp,Cristobal Sanchez-Rodriguez

Publisher: John Wiley & Sons

ISBN: 1118476999

Category: Information technology

Page: 496

View: 3894

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The goal of Introduction to Information Systems, 3rd Canadian Edition remains the same: to teach all business majors, especially undergraduate ones, how to use information technology to master their current or future jobs and to help ensure the success of their organization. To accomplish this goal, this text helps students to become informed users; that is, persons knowledgeable about information systems and information technology. The focus is not on merely learning the concepts of IT but rather on applying those concepts to facilitate business processes. The authors concentrate on placing information systems in the context of business, so that students will more readily grasp the concepts presented in the text. The theme of this book is What's In IT for Me? This question is asked by all students who take this course. The book will show you that IT is the backbone of any business, whether a student is majoring in Accounting, Finance, Marketing, Human Resources, or Production/Operations Management. Information for the Management Information Systems (MIS) major is also included.

Rising Foreclosures in the United States: A Perfect Storm

A Reprint from the "Economic Review"

Author: Kelly D. Edmiston

Publisher: DIANE Publishing

ISBN: 9781428988934

Category:

Page: 30

View: 6169

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In the second qtr. of 2007, the share of outstanding mortg. in some stage of foreclosure (FC) stood at 1.4%, up from less than 1% a year earlier. The number of mortg. entering the FC process reached an all-time high in mid-2007. The FC surge was created by a perfect storm of events. First, the share of sub-prime mortg. originations increased. Second, FC rates for adjustable-rate mortg. (ARMs) have increased, esp. for sub-prime ARMs. Finally, high loan-to-value originations, coupled with stagnant or falling home prices, have left many people with insufficient equity to sell or to refinance their homes. Here is a dissection of the current FC surge. Discusses why the FC situation is likely to get worse over the next 2-3 years & why it is likely to improve afterward. Illus.

Big Book of Self-Reliant Living

Advice And Information On Just About Everything You Need To Know To Live On Planet Earth

Author: Walter Szykitka

Publisher: Rowman & Littlefield

ISBN: 1461746728

Category: Reference

Page: 640

View: 7083

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Rural homesteaders and urban apartment-dwellers alike will find a mother lode of practical information packed into this completely revised and updated edition of the ultimate how-to handbook for all generations. A selective compendium of public-domain documents, it brings together in one volume a wealth of knowledge and useful instruction on just about every imaginable aspect of self-sufficiency—from building a dwelling and growing food to raising children, using tools of all kinds, and, yes, getting more mileage out of your car. Readers will learn how to: build a greenhouse; administer first aid; stock an emergency shelter; survive in the wilderness, at sea, and in the city; plant, buy farmland; grow plants indoors and out; read architect's drawings; care for household pets; repair clothing; hunt, trap, and fish; repair a screen or leaking faucet; butcher and store big-game kill; relieve allergy symptoms; control insects; stay safe during storms and floods; can and freeze fruits and vegetables; take your own blood pressure; and much, much more! Praise for a previous edition: “How we have survived this long without [this book], I don't know. The concept is brilliant and simple. . . . If we had lived in a rural community a century ago, much of the knowledge gathered here would have been in our bones.” —Harper's

Financial Fresh Start

Your Five-Step Plan for Adapting and Prospering in the New Economy

Author: Shari Olefson

Publisher: AMACOM

ISBN: 0814432301

Category: Business & Economics

Page: 320

View: 4552

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From depleted retirement accounts to underwater homes, it's been gloomy news for years. But the picture will get much brighter for those who take advantage of the laws and reforms enacted in the wake of the banking, real estate, and economic meltdown. The Dodd-Frank Act. The Making Home Affordable Program. The Consumer Financial Protection Bureau. These are just a few examples of the significant but little-understood changes that offer people an unprecedented chance to set things right with their credit, savings and investments, employment, housing, retirement and more. Financial Fresh Start explains it all-simplifying the complicated reforms and motivating readers to shake off their malaise and radically improve their long-term financial prospects. Written by a dynamic author with a unique blend of legal, financial, and real estate expertise, the book's big-picture lens spans the spectrum of money matters, and delivers clear, actionable answers to questions such as: * How can you repair your credit quickly and avoid high finance costs? * What are the safest places for saving and investing? * Can you legally avoid repaying what you owe? * Will your home ever be worth what you paid for it? * Is there life after foreclosure? * Are you missing out on programs that can put money in your pockets? * Is it possible to make up for recent losses and still retire on time? * And more Big corporations and the mega-wealthy have professionals to keep them abreast of the latest regulations. Now, everyday people can learn what the new rules really mean to them with the expert guidance and practical solutions in Financial Fresh Start.

Library Journal

Author: N.A

Publisher: N.A

ISBN: N.A

Category: Libraries

Page: N.A

View: 1272

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Includes, beginning Sept. 15, 1954 (and on the 15th of each month, Sept.-May) a special section: School library journal, ISSN 0000-0035, (called Junior libraries, 1954-May 1961). Also issued separately.

The 106 Common Mistakes Homebuyers Make (and How to Avoid Them)

Author: Gary W. Eldred

Publisher: John Wiley & Sons

ISBN: 9781118046340

Category: Business & Economics

Page: 324

View: 5859

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Everything first-timers need to know to avoid the most common mistakes homebuyers make Written especially for first-timers, this eye-opening guide turns you into an educated consumer, ensuring that the home or condo you buy is both a comfortable place to live and a great investment for the future. Compiled from the experience of hundreds of homebuyers, real estate agents, home builders, and mortgage lenders, it shows you the most common mistakes buyers make and illustrates them in practice so you don't fall into the same traps. Now revised and updated for today's hot real estate market, this invaluable resource covers everything from negotiating with sellers and making the down payment to shopping for the best mortgage and handling the closing. The new Fourth Edition also includes totally up-to-date guidance on using the Internet to find properties, secure financing, and collect important data. If you're thinking about buying a home in this overheated market, don't make these mistakes: Researching selling prices and still overpaying Believing everything your agent tells you Buying into an upscale neighborhood that's moving downscale Underestimating utilities and other costs Allowing your agent to negotiate for you Letting fear get the better of you and not buying at all Written by one of the nation's leading real estate experts and packed with hundreds of valuable tips and suggestions, The 106 Common Mistakes Homebuyers Make, Fourth Edition will give you the confidence--and the wisdom--to buy the right home at the right price.

Return to Sender

Author: Julia Alvarez

Publisher: Knopf Books for Young Readers

ISBN: 9780375891618

Category: Juvenile Fiction

Page: 352

View: 3832

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After Tyler's father is injured in a tractor accident, his family is forced to hire migrant Mexican workers to help save their Vermont farm from foreclosure. Tyler isn’ t sure what to make of these workers. Are they undocumented? And what about the three daughters, particularly Mari, the oldest, who is proud of her Mexican heritage but also increasingly connected her American life. Her family lives in constant fear of being discovered by the authorities and sent back to the poverty they left behind in Mexico. Can Tyler and Mari find a way to be friends despite their differences? In a novel full of hope, but no easy answers, Julia Alvarez weaves a beautiful and timely story that will stay with readers long after they finish it.

American Foreclosure: Everything U Need to Know About Preventing and Buying

Author: Trevor Rhodes

Publisher: McGraw Hill Professional

ISBN: 0071590595

Category: Business & Economics

Page: 272

View: 1890

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The Definitive Foreclosure Guide for Every Homeowner and Investor Whether you're trying to protect your home from foreclosure or invest in foreclosed properties, you still need reliable information and expert advice to protect your investment. Drawn from years of experience helping thousands of borrowers, American Foreclosure covers all the ins and outs of foreclosures, for both homeowners and real estate investors nationwide. Everything U Need to Know..about Foreclosures Preventing foreclosure and avoiding scams Discovering your financial options and risks Understanding the foreclosure process state-by-state Communicating and negotiating with lenders Finding and buying foreclosed properties BONUS CD-ROM FEATURES: Ready-to-print real estate forms, foreclosure prevention resources, plus foreclosure investing tools - including free property listings - and much more!

Voices of the Dust Bowl

Author: Sherry Garland

Publisher: Pelican Publishing Company, Inc.

ISBN: 9781589809642

Category: Juvenile Nonfiction

Page: 40

View: 5356

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Voices from those who lived through the largest environmental catastrophe in American history. From 1931 to 1940, a combination of drought and soil erosion destroyed the fragile ecology and economy of the Great Plains. Evocative illustrations accompany poignant testimonies, including those of a farmer's wife, a banker, and a child who had never seen rain, to provide an emotionally charged account.