Wide Spread Loan Modification Abuse Avoid Becoming a Victim

With so many people facing foreclosure today, thousands of loan modification companies have emerged offering a financial lifeline. Unfortunately, most demand big upfront fees, are not sufficiently educated in the industry to actually help, and may hurt by wasting valuable time and effort, or many companies (about 75%) are in the business to scam people. As stated by Illinois Attorney General Lisa Madigan–If you are struggling to make your mortgage payments, or if you are facing foreclosure, stay away from anyone who says that they will save your home for money upfront-.

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Loss Mitigation Specialist C. Thompson Sr (Nationwide Assistance, Clermont, FLA), has determined several tale tale signs of scamming by these companies:

Charges a huge upfront fee- the purpose of the fee is to contact the lender to ask for a loan modification. But, if turned down, only half the fee or none of the fee is returned. In these cases, there should be a money back guarantee.

Will not explain the purpose of the fee- all services should be explained and all questions answered.

Is not interested in your circumstances- may not have your best interest at heart.

Does not stop the foreclosure proceedings during the negotiation.

Will accept the first proposal from the lender, which may not suit your circumstances.

A virtual company-no real office- may not be a real company.

Too good to be true- promises a fantastic interest rate or/and an exact principle reduction amount, without consulting the lender. No promises can be made without negtiating with the lender.

No approval process-An approval process should be the first step in the modification process, before a fee is paid. The process should not include credit qualification, and approval should not be made on the first phone call.

Not a member of the Better Business Bureau.-they are not a leader in the industry.

Fortunately, you can avoid these scams. There are other avenues to pursue if you need assistance with your urgent mortgage problems. Consider a non-profit agency that will assist you without charging a fee, or a real estate licensee and an attorney who will work and allow payment after the work is completed. You can also obtain free advice and consultation for your refinance, loan modification and foreclosure needs through several government agencies:

Hope NOW –

FHA –

California Department of Real Estate –

Making Home Affordable-

The information presented above applies to home refinancing and loan modification abuse. However, if you are seriously looking to improve your finances in general, visit to find out more.

Intraday Trading Becoming A Popular Means Of Stock Trading

Stock market in itself is an important aspect of making investments in the shares of different companies which is becoming more important with the means of intraday trading. People all over the world have come out in the open regarding their interest in the stock market. They are required to register themselves in the trading platforms and then carry out the buying and selling of different shares so that they get into profits. Trading in the stock markets can be of many types and the intraday trading is one of these methods. By such a trade, people are able to secure a good profile of investment as it is one of those methods which have a quick result during the day itself. By the intraday term is meant that the execution of different share trading is done in the single day.
Those investors, who have got time and can collaborate with stock brokers, will have to keep a constant watch on the trading programs. They can be in touch with the brokers and bring information on the changes that might be affecting the share prices. Intraday trading requires a constant watch on the different aspects of trading and has to be done at the same time. When the process is being done through the different platforms, people will be benefited in carrying out such trading. Nowadays the platforms are sprucing up their profiles because they want more and more customers to come and join their portals so that as stock brokers, they can have some share in the profits.
But above all, the primary target is to have a greater amount of investments through their brokering platforms. Due to this reason, people are making an effort to make their trading platforms operate faster so that more and more people get involved in the intraday trading which is not only profitable but also is highly result oriented. When so many people are taking up such a type of trading and they are going for the portals, then it will be beneficial for the stock brokers as well as be advantageous to the people. the profits through such a kind of trading has been considered quite important these days in the days when the rise and fall is very fast and therefore people will be able to make profits if done in the right moments.
Taking a call in a day is a difficult task which has been made immensely easier by the introduction of stock brokers who are keen on making an impact in the investment profiles of their customers. The concept of intraday trading is becoming more and more famous these days as people are trying to indulge in the profits and also be a part of the growing trends of stock market trading.

Make Money at Home Becoming an Internet Marketer

Can people really live the dream of making money from the comfort of their homes? Well, realistically not everyone has the desire and motivation required to make a home business successful.

Many people search the internet to find the next best online business to start up. One of the fastest ways to start an online business is to become an internet marketer or affiliate marketer.

There are many ways to become an affiliate marketer.

I recommend that you research different strategies that are used to promote products online. You will want to pick some products or services out that you feel strongly about and know that you can market them. This is the great thing about affiliate marketing; you sell other people’s products for a large sales commission. You can also do a search on a major engine to find out what people are interested in. Then you can look at some of the products and see what people are buying. Next you can go to the company website and sign up for free to be and affiliate.

Do you know how to promote the products you are selling?

If you are new to selling online, you may want to consider investing in a book or program that helps teach you the basic strategies of affiliate marketing. This will increase your chances of success and you will not feel like you are alone in the dark.

Are there costs to get started?

This depends on if you have funds available or not. Technically it does not cost any money to sign up to be an affiliate for a company. However, financial support will help you promote the product on the internet and major search engines. The money can be used to advertise and drive customers directly to your ad or website.

It is understandable why someone would not want to spend money on advertisement right away. I mean, they do not have experience with online advertising. The good news is that there are many ways to promote your online home business for free. Especially if you already have sales experience, you can use offline marketing methods to drive customers to your website.

If working at home is something that you can see yourself doing, than it is possible. You have to have confidence and the right tools. Also, it will not happen over night, eventually your work will become more automated and you will experience greater results and sales.

Author writes reviews on products and services.

You can check out these websites as an example of affiliate marketing.