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	<title>Alabama Mortgage Team</title>
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	<link>http://www.alabamamortgageteam.com</link>
	<description>Alabama. Mortgage. Experts.</description>
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		<title>The Productive Assisted Living Marketing Plan Is Evolving</title>
		<link>http://www.alabamamortgageteam.com/2012/01/the-productive-assisted-living-marketing-plan-is-evolving/</link>
		<comments>http://www.alabamamortgageteam.com/2012/01/the-productive-assisted-living-marketing-plan-is-evolving/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 12:03:16 +0000</pubDate>
		<dc:creator>Marilyn Martinez</dc:creator>
				<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.alabamamortgageteam.com/2012/01/the-productive-assisted-living-marketing-plan-is-evolving/</guid>
		<description><![CDATA[Some Items Are The same]]></description>
			<content:encoded><![CDATA[<p></p><p>Some Items Are The same</p>
<p>In our many years of operating using the assisted living and senior care business, the fundamentals of growing the census have remained pretty significantly the same. The big modifications in the selling and purchasing procedure have come in the execution of this technique. The availability as well as the amazing functions from the internet, wise phones, social networks along with other technologies have changed how the public expects to locate your facility and interacts your with staff. These new communication mediums are now &#8220;required&#8221; and must be integrated into the selling method.</p>
<p>In addition, numerous assisted living prospects now &#8220;demand&#8221; to have easier access to information, be engaged throughout the purchasing process and have a greater degree of manage. They want to be aware, up-dated and reassured so they can trust their buying selection (once they are ready to create it), after which win more than their loved ones members.</p>
<p>Concepts &amp; Suggested Changes</p>
<p>Here are some suggestions for adjusting your advertising to the evolving selling and buying method.</p>
<p>Utilize a database. This will help you keep track of multiple phone numbers and e-mail addresses, personalize group communications, and keep track of where prospects sit in their purchasing process.</p>
<p>Ask every prospect, family members member and referral source how they prefer to become contacted. Highlight this preference in your database, smartphone and social networks.</p>
<p>Improve your website and make it the hub of marketing and advertising communications. It should include very current evidence of your care and services, integrate your updates with social networks and keep-in-touch systems, encourage return visits as well as the sharing of your site, and provide new tools for people who want to promote you.</p>
<p>Utilize e-mail and social networks to make people aware of your updates. The key is to not overdue contact so people stop paying attention. Mix up the updates with your Activity Scrapbook entries, Caregiver Tips, videos and articles about seniors. We have found that two valuable updates per month is usually sufficient. Replace &amp; Integrate</p>
<p>Several inside the senior care industry will read this article and tremble at the thought of more work. At the beginning, setting up your systems will add work. However, once systems are developed and in place, the evolved advertising strategy will be more efficient. Updates to your website and social networks that are filled with emotion and reality can take a marketing director little time, and be lots of fun. E-mail and social networks that highlight those updates can reach hundreds (or thousands) of people on the three key lists with little effort and cost.</p>
<p>When you compare the investment of time and money needed in this technology technique with what goes into hosting the standard one-time, generic, small-attendance open house, this is a real bargain. Note: By the way, well done updates can make an open house a significantly more effective advertising tool more than a longer period of time. It can also bring the event to those who could not attend. And for those who choose to pass on such an event, a great update system can replace numerous (but not all) of the benefits of an open house.</p>
<p>Even The Building Of Professional Relationships Is Evolving</p>
<p>In the old days, the typical marketing program built relationships by visiting doctor offices and hospitals, dropping off a brochure and maybe some cookies, and chatting a little. The building of relationships is still necessary today. However, several face-to-face visits may evolve into a &#8220;tech&#8221; visit. The cookies may be replaced by photos of your chef baking, a cookie recipe for diabetics, or a Caregiver Tip on helping seniors with little appetite.</p>
<p>Now I know that several people consider technology to become cold and have no feeling. I agree&#8230;when it is left on its own. However, what I am recommending is using the mediums of technology to highlight the warmth, care and expertise of assisted living, and making these valuable assets accessible to more people inside the method they prefer (and at their convenience).</p>
<p>It&#8217;s Worth The Effort</p>
<p>The rapid modifications in technology are forcing the marketing world to adapt and change, and at a faster rate than it did inside the past. This does put an additional burden on assisted living marketing departments and small home owners. (So does a low census.) Plans and strategies need to continue to evolve to meet the demands of the &#8220;current&#8221; buyer and referral source. A higher census (and less financial stress) will prove it was well worth the effort.</p>
<p>Murdock Marketing Specializes in <a target='_blank' href="http://www.murdockmarketing.com">Senior living consulting</a> as well as <a target='_blank' href="http://www.murdockmarketing.com">Assisted living marketing</a>.</p>
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		<title>Tips On Mortgage Financing.</title>
		<link>http://www.alabamamortgageteam.com/2012/01/tips-on-mortgage-financing/</link>
		<comments>http://www.alabamamortgageteam.com/2012/01/tips-on-mortgage-financing/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 11:54:27 +0000</pubDate>
		<dc:creator>Jim Scott</dc:creator>
				<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage refinancing]]></category>
		<category><![CDATA[refinance mortgage]]></category>
		<category><![CDATA[refinance mortgage rates]]></category>

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		<description><![CDATA[We all wish to live a luxurious life throughout our life. The rich people can afford to lead it the way they like because they do not have to worry about the finances. Generally it is the common man who suffers especially when the market rates fluctuate seeing the monetary condition of the present day. [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>We all wish to live a luxurious life throughout our life. The rich people can afford to lead it the way they like because they do not have to worry about the finances. Generally it is the common man who suffers especially when the market rates fluctuate seeing the monetary condition of the present day. From a past few months or rather since a year a common man is struggling hard even to meet up his daily expenses. Even if he/she has made plans to buy a property, a house or even a small shop in a complex, it is next to impossible for him/her in the period of financial crisis.</p>
<p>Then finally a middle class man thinks that he has to be satisfied in whatever he has got. Still there is a way out of this, even a middle class man or a lower middle class man can in such situation manage to buy a property, a house or a shop in a multiplex. Here is the easy way out of this state; one can go in for help from the leading <a href="http://www.HARP-Refi.net" target="_blank">mortgage</a> company which can handle this kind of situation easily and smartly even during the economic crisis. They have an alliance with several banks and it is not at all complicated for them to guide their customers with the entire procedures.</p>
<p>There are many types of <a href="http://www.usdadevelopment.com/" target="_blank">mortgage</a>s and each mortgage has its own advantage. Some of them are the Biweekly mortgage, Bimonthly mortgage, Balloon mortgage, Variable mortgage, Refinancing mortgage, Home mortgage, Repayment mortgage, Endowment mortgage and several more. The procedures for the entire mortgages are different and an individual has to be wise while selecting it. He/she will have to plan the financial statement thoroughly before entering into a new deal.</p>
<p>If he/she wants to renovate the existing house, then the mortgage procedure is different and if an individual wants to <a href="http://harp-refinance.com" target="_blank">refinance</a> the mortgage, then the procedure is different. Ultimately it would be wise if the borrower has a complete knowledge before him/her proceeds forward. My aunt wanted to redecorate her house and she was a bit confused to what to do. She exactly did not know the complete procedure of the Today&#8217;s Mortgage Rates. I told her to take the assistance of a mortgage company which is very popular and also to follow their procedures. She willingly agreed and fixed a meeting with a consultant so that there should be no confusions in future.</p>
<p>After the entire discussion she decided to go in for the <a target="_blank" href="http://www.ratesupermarket.ca/mortgage_refinancing/">Mortgage Refinancing</a> procedure. This was actually a procedure where my aunt could acquire cash through a loan which could be secured against the equity of her home. Now this amount could be used to renovate her house. The refinancing procedure indeed is a handy tool for people who want to spend extra on their existing house. With the help of the consultant she even decided <a target="_blank" href="http://www.ratesupermarket.ca/mortgage_rates/">Mortgage Rates</a>. This is in fact a genuine procedure to renovate a house and my aunt was happy that she had selected Mortgage rates.</p>
<p>Find the best mortgage rates online for all your financing needs at Jim Scott&#8217;s site for <a target="_blank" href="http://www.ratesupermarket.ca">Canada Mortgage Rates</a>, and <a target="_blank" href="http://www.ratesupermarket.ca/best_mortgage_rates/">Best Mortgage Rates Canada</a>.. This article, <a target="_blank" href="http://www.uberarticles.com/home.php?id=557751&amp;p=51758">Tips On Mortgage Financing.</a> is released under a creative commons attribution license.</p>
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		<title>How To Change A Broken Cord On A Sash Window &#8211; It Can Be Done!</title>
		<link>http://www.alabamamortgageteam.com/2012/01/how-to-change-a-broken-cord-on-a-sash-window-it-can-be-done/</link>
		<comments>http://www.alabamamortgageteam.com/2012/01/how-to-change-a-broken-cord-on-a-sash-window-it-can-be-done/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 15:18:22 +0000</pubDate>
		<dc:creator>Nathan Madeley</dc:creator>
				<category><![CDATA[mortgage]]></category>
		<category><![CDATA[building]]></category>
		<category><![CDATA[construction]]></category>
		<category><![CDATA[DIY]]></category>
		<category><![CDATA[glazing]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[home improvements]]></category>
		<category><![CDATA[House]]></category>
		<category><![CDATA[interior design]]></category>
		<category><![CDATA[joinery]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[windows]]></category>

		<guid isPermaLink="false">http://www.alabamamortgageteam.com/2012/01/how-to-change-a-broken-cord-on-a-sash-window-it-can-be-done/</guid>
		<description><![CDATA[If you have older sash windows in the home and you find that the sash cord needs to be replaced, don't fret. Here is an easy guide on how to change a broken cord on a sash window. With some tools from the garage and a quick trip to the local hardware store, those windows will be working like new again in no time. This is a project that should only take a few minutes to accomplish and will have results that last for years to come.]]></description>
			<content:encoded><![CDATA[<p></p><p>If you have older sash windows in the home and you find that the sash cord needs to be replaced, don&#8217;t fret. Here is an easy guide on how to change a broken cord on a sash window. With some tools from the garage and a quick trip to the local hardware store, those windows will be working like new again in no time. This is a project that should only take a few minutes to accomplish and will have results that last for years to come.</p>
<p>First off, go to the tool box and make sure all the needed tools are there. A hammer to start, and a utility knife, flat bar and a screw driver should do the job. Also needed is some new cord, preferably quarter inch cotton cord, however, nylon will do just fine as well. The cotton shrinks less, but the nylon will work if no cotton cord is available.</p>
<p>Begin by separating the interior stop from the frame using the utility knife. Slicing the paint will allow the stop to come out cleanly without breaking. Taking the flat bar and hammer, tap the flat bar behind the interior stop and slowly remove it, being careful not to damage the frame or the interior stop. We will be reusing the stop, so we want to preserve it as best as possible.</p>
<p>Next we need to remove the tracks that the sash glides in. These are often metal tracks, and are easily removed with a screw driver. Once the metal tracks have come out, the sash should be free to come out as well. Attach a string to the old sash cord that is still attached to the weight. This will be used later to draw the new sash cord over the pulley.</p>
<p>Remove the pocket cover which cover the and hide the sash weights. Now pull the weights and the remaining sash cord out of the weight well. While one has access to the weight wells and the window sash removed, replace both sash cords. Attach the new cords to the weights and string them up through the top of the window.</p>
<p>Reattach the new sash cords to the sash. Replace the sash in its place. Put back the metal track in place. Put back the interior stops using the hammer and some small nails or brads.</p>
<p>Now that the new sash cords are in place the window should move up and down again as if they were new. Now it is easy to understand how to change a broken cord on a sash window.</p>
<p>In order to keep your historic windows opening and closing correctly, you may need to schedule <a target='_blank' href="http://www.sashwindowrepairs-london.co.uk/Sash-Windows-West-London.html">sash window repairs London</a>. The technicians who do <a target='_blank' href="http://www.sashwindowrepairs-london.co.uk/Sash-Cord-Repair-service.html">sash cord repairs</a> have both knowledge and experience to get the job done right.</p>
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		<title>3 Top Ways To Save Money On Your Mortgage</title>
		<link>http://www.alabamamortgageteam.com/2012/01/3-top-ways-to-save-money-on-your-mortgage/</link>
		<comments>http://www.alabamamortgageteam.com/2012/01/3-top-ways-to-save-money-on-your-mortgage/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 14:26:56 +0000</pubDate>
		<dc:creator>Virginia Graham</dc:creator>
				<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Central Coast Mortgage Broker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Virginia Graham]]></category>

		<guid isPermaLink="false">http://www.alabamamortgageteam.com/2012/01/3-top-ways-to-save-money-on-your-mortgage/</guid>
		<description><![CDATA[With the World economy in disarray, many people are asking themselves how am I able to save cash on my mortgage? The price of living has gone up in most developed countries and it certainly has in Australia. At the same time most workers in the economy have not had a rise in wages though folks in the mining economy have and thus Australia now has a" two speed economy".]]></description>
			<content:encoded><![CDATA[<p></p><p>With the World economy in disarray, many people are asking themselves how am I able to save cash on my mortgage? The price of living has gone up in most developed countries and it certainly has in Australia. At the same time most workers in the economy have not had a rise in wages though folks in the mining economy have and thus Australia now has a&#8221; two speed economy&#8221;.</p>
<p>One of the best methods to economize on your mortgage is to always pay more than the minimum payment on the claimable debt. That way there is more equity left for you to take a loan against for investment purposes. The more debt that is deductible, the more cash you will have left to invest.</p>
<p>A second way to save cash on your home loan is to pay your home loan fortnightly instead of monthly, as there are 26 fortnights in a year and a little less (24) fortnights in 12 calendar months. So really it&#039;s the same as paying a little more each year.</p>
<p>The third way of saving cash on your home loan is to pay lump sums off in chunks when you get additional money, this way your loan will be payed down much more quickly as you are not amassing as much interest in the long run.</p>
<p>I think truly with your home loan there isn&#039;t any magic silver bullet but if you pay it down slowly chipping away at the debt bit by bit,eventually the loan should get repaid. Also one thing regularly forgotten is the most cash you&#8217;ll make will be from the rise in capital property value and possible rent from your investment property, instead of by paying the debt down and here is where most investors focus is, although it can pay to also keep an eye on costs. Plenty of our customers trust us to keep the expenses down while they look after the capital investments. For more videos on investing in property in Australia visit my <a target='_blank' href="http://centralcoastmortgagebroker.com/media-room/">media page</a>.</p>
<p>Virginia Graham is a mortgage broker and <a target='_blank' href="http://centralcoastmortgagebroker.com/">Central Coast Mortgage Broker</a> and<a target='_blank' href="http://centralcoastmortgagebroker.com/about/">finance expert</a>, who has been featured in the Australian media.</p>
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		<title>Foreclosure Crash Course</title>
		<link>http://www.alabamamortgageteam.com/2012/01/foreclosure-crash-course/</link>
		<comments>http://www.alabamamortgageteam.com/2012/01/foreclosure-crash-course/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 15:21:50 +0000</pubDate>
		<dc:creator>Holly Smith</dc:creator>
				<category><![CDATA[mortgage]]></category>
		<category><![CDATA[about foreclosure]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[deed in lieu]]></category>
		<category><![CDATA[foreclosure process]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[help for homeowners]]></category>
		<category><![CDATA[home foreclosure]]></category>
		<category><![CDATA[home loan modification]]></category>
		<category><![CDATA[house foreclosures]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[sheriff's sales]]></category>
		<category><![CDATA[short sales]]></category>
		<category><![CDATA[stop foreclosure]]></category>

		<guid isPermaLink="false">http://www.alabamamortgageteam.com/2012/01/foreclosure-crash-course/</guid>
		<description><![CDATA["I'm behind in house payments. How do I stop foreclosure? Help me sell my home fast before I lose it to the bank!" I faced foreclosure and won! You can too. Additionally you may be asking yourself when you're staring down the barrel of your lender's imaginary gun. What is foreclosure? How do I stop a sheriff's sale or trustee sale? Can I get a loan modification to stop foreclosure?]]></description>
			<content:encoded><![CDATA[<p></p><p>&#8220;I&#8217;m behind in house payments. How do I stop foreclosure? Help me sell my home fast before I lose it to the bank!&#8221; I faced foreclosure and won! You can too. Additionally you may be asking yourself when you&#8217;re staring down the barrel of your lender&#8217;s imaginary gun. What is foreclosure? How do I stop a sheriff&#8217;s sale or trustee sale? Can I get a loan modification to stop foreclosure?</p>
<p>FIRST, Please try to relax and take a deep breath, I know it can be a scary thought especially when you don&#8217;t know what may or may not happen to you and your family. I&#8217;ve done a lot of research and been through this myself. I wish I had a relative or friend who could have walked me through the process and relieved me from the stress and sleepless nights of NOT KNOWING MY FORECLOSURE OPTIONS to keeping my home. I felt powerless, under informed, ignored by my mortgage company, challenged by my bank&#8217;s bureaucracy and frustrated with dead-end &#8220;so-called&#8221; loan modification bank representatives. I felt I had no one I could trust or turn to, because let&#8217;s face it&#8230;NO ONE within your circle of friends will admit to being behind in their house (mortgage) payments. Maybe it&#8217;s pride, maybe it&#8217;s admitting guilt, fault, mismanagement of household income or the feeling of failure. No matter what YOU are feeling, there are thousands of people in the same situation. And I was one of them!</p>
<p>As one of my daughter&#8217;s friends was being dropped off to spend the night, her father and my husband got to talking and discovered that they were both in sales for different companies in very different industries. The conversation quickly turned to how many times they had each received pay cuts to their commissions during the housing crisis and how most of our friends had encountered at least three pay cuts over the last two years. As the conversation continued, the most shocking comment made by this father was that six of his closest friends were all in home foreclosure at that very moment. We both lived in a thriving community with middle to upper class income. How could this be happening? It makes you stop and think; how did so many people get to this point, and what can any one do to help struggling homeowners during this massive wave of house foreclosures?</p>
<p>And then a few months later, the foreclosure tsunami had engulfed our family too.</p>
<p>I wish someone would have been brave enough to share their experience with me. I searched online until I had exhausted every lead that would answer my questions about my family&#8217;s uncertain fate &#8211; during the foreclosure process. I guess some things you have to learn for yourself if others aren&#8217;t willing to share their own story. But that&#8217;s also the reason I&#8217;m telling my story, to dispel some of the myths and fears associated with the foreclosure process.</p>
<p>One night after a business meeting, my husband came home and told me about a man he had met that happened to be in the same situation we had recently faced. This couple owned their own company, lived comfortably as a middle-class family with two children, a pet and a few family toys; then one day, the bottom dropped out from under them. While at a business event, the man began to open up to my husband about his situation and his feeling of regret, fear of losing his home, anger over the loss in company profits and the threat of selling a business he had built over the last 8 yrs.</p>
<p>BINGO!! We had a winner&#8230;another family facing the same situation we had been faced with when the economy crashed. We had just been through everything this man and his family were about to embark on. We had just finalized our bankruptcy AFTER reviewing and exhausting ALL our options to save a company we had built. I told my husband I felt horrible that they were facing the same stresses we had been put through and wished someone would have walked us through the bankruptcy and foreclosure process so I knew there was still&#8230;</p>
<p>LIGHT AT THE END OF THE TUNNEL!</p>
<p>How could I possibly help this couple? What was I looking for when our family was faced with the inevitable? I came up with the only answer that would have made sense to me!! Find someone who had gone through foreclosure or bankruptcy and have them tell me everything that happened so I could prepare my family, avoid mistakes someone else may have made, and create the best possible scenario based on all the information I could gather.</p>
<p>That&#8217;s when I had an idea&#8230;&#8221;I don&#8217;t know these people, and they have nothing to lose and everything to gain by hearing our personal story; they certainly aren&#8217;t going to judge me for my past&#8221;&#8230;so what&#8217;s stopping me from sharing everything I&#8217;ve learned with them? If I were them, I would have loved to talk to someone&#8230;ANYONE&#8230;who had already been through the process and could answer some of my bankruptcy and foreclosure questions. Someone who would calm my fears.</p>
<p>The next day we called and arranged to meet the man and his wife for lunch in a relatively private restaurant. We didn&#8217;t tell the couple why we wanted to meet with them&#8230;only that we wanted to take them to lunch. The initial conversation was just getting to know each other as I had never met the couple; later in the conversation, my husband cautiously brought up the fact that he had learned of their recent dilemma and that we understood their situation as we had been faced with the same financial crisis. It was at that point that I began to explain my feelings of regret and failure over starting a corporation from the ground up and how I too had to face the fact that we were losing it right out from under our feet; how I felt that I had not only let my family down, but my investors, my community and my employees.</p>
<p>We had tried to sell the business for more than a year but every offer came in for less than what was owed. The thought of bankruptcy &#8212; though FAR from my prideful mindset &#8212; was getting ever closer to reality. To sum up the lunch meeting, we continued to share in detail our journey. We explained that we wished someone had been willing to talk openly with us about their experience with bankruptcy and foreclosure; if for no other reason, to reduce the amount of stress we had put on our selves from NOT KNOWING OUR POTENTIAL FATE. The wife, now in tears, grabbed my hand and said they couldn&#8217;t thank us enough for sharing our story. They had been so overwhelmed with the thought of losing their home, the fear of facing foreclosure and the affects of bankruptcy on their credit report that it was preventing them from sleeping. This couple that I had only met two hours ago hugged me like I was family and thanked us again for sharing what seemed &#8212; for us &#8212; a painful and private admission.</p>
<p>As we drove home, I told my husband, &#8220;in spite of my own fear in admitting the challenges we had undergone, I felt better than ever for sharing our story with someone who truly needed the help&#8221;. This is where my new found pride comes from&#8230;humbly embracing my circumstances to help others who may be facing home foreclosure or bankruptcy.</p>
<p>I know the fear, shame and feelings of humiliation that go along with thinking the bank is going to walk in any minute and ask you to put a sign on the door, &#8220;Business CLOSED effective immediately&#8221;! or a fire blazing red, &#8220;Bank-Owned&#8221; property sign announcing to my friends and neighbors that I too had lost my home to foreclosure. The thought of those signs and being labeled as a failure was more than I could bear. That&#8217;s when I decided to do something about it. I couldn&#8217;t stop the business from closing it was too late for that but I could put up a fight for my home and learn how to stop foreclosure.</p>
<p>In most cases&#8230;it doesn&#8217;t happen right away so BREATHE!!! I can also appreciate the fear of thinking the bank is going to send you a letter that says &#8220;you must VACATE YOUR HOME IMMEDIATELY!! Again in most cases, it won&#8217;t even happen within three months&#8230;so BREATHE!!! You have time to make arrangements with your bank. They don&#8217;t want your home; it&#8217;s a financial liability to them&#8230;they would rather work with you and have you keep it.</p>
<p>I&#8217;m an over planner, I don&#8217;t like surprises; I researched beyond what sometimes even seems normal. I like to know what&#8217;s happening, when it&#8217;s going to happen and how do I best protect myself from anything that might try to catch me off guard BUT&#8230;</p>
<p>I WASN&#8217;T PLANNING FOR AN ECONOMIC CATASTROPHE or a HOUSING CRISIS!</p>
<p>That&#8217;s when I dug through every available source over the course of several weeks and months, applied twice for home loan modifications and was turned down until my third attempt several months later was approved. That was the best feeling in the world&#8230;the news that my family was going to be able to keep the home we had lived in for more than 14 years and my kids could stay with the friends they had grown up with. It wasn&#8217;t until shortly after our journey through the foreclosure process that I came up with the idea of a FORECLOSURE CRASH COURSE. That&#8217;s what families and struggling homeowners really needed &#8212; a way to find out how to move through the process and get all the answers in ONE place. I wish I didn&#8217;t have to go through the agony of spending weeks and months to try and learn some of the most basic concepts, uncover the many options available to help you save your home OR discover the hidden secrets to save my home from foreclosure. I wanted someone to lay it all out for me and tell me all my options so I could weigh the pros and cons. I guess I expected by lender to provide that or a foreclosure consultant to emerge for guidance but that never happened. What happened to all the mortgage consultants who were banging down my door during the housing bubble more than willing to lay out all these grand options for getting loans, refinancing, offering 2nd and 3rd mortgages. Why weren&#8217;t they using their expertise to help me save my home? I guess they gotten eaten up by the foreclosure tsunami too!</p>
<p>If you&#8217;re interested in finding out how to save your home from foreclosure &#8211; like I did! You can find it at howtosavehomefromforeclosure.net and watch my 20 minute foreclosure video.</p>
<p>If you&#8217;re interested in finding out How to Save Your Home from Foreclosure &#8211; like I did! You can watch my 20 minute <a target='_blank' href="http://www.howtosavehomefromforeclosure.net">foreclosure video</a> here.. This article, <a target='_blank' href="http://www.uberarticles.com/home.php?id=1213799&amp;p=51758">Foreclosure Crash Course</a> is available for free reprint.</p>
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		<title>Dawsonville GA Real Estate</title>
		<link>http://www.alabamamortgageteam.com/2012/01/dawsonville-ga-real-estate/</link>
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		<pubDate>Mon, 02 Jan 2012 14:26:48 +0000</pubDate>
		<dc:creator>Mickey A Brito</dc:creator>
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		<description><![CDATA[Are you a 1st time <em>Dawsonville GA real estate</em> buyer? Do you feel a little bit edgy if you're making the right decision when purchasing? Don't be! Simply take things easy although seriously. There are actually lots of 1st time <em>Dawsonville GA real estate</em> buyers who feel uncertain. You have to weigh the advantages and disadvantages. You must be completely focus and ascertain whether you need to buy one or not.]]></description>
			<content:encoded><![CDATA[<p></p><p>Are you a 1st time <em>Dawsonville GA real estate</em> buyer? Do you feel a little bit edgy if you&#8217;re making the right decision when purchasing? Don&#8217;t be! Simply take things easy although seriously. There are actually lots of 1st time <em>Dawsonville GA real estate</em> buyers who feel uncertain. You have to weigh the advantages and disadvantages. You must be completely focus and ascertain whether you need to buy one or not.</p>
<p><strong>Set Parameters When Trying to find A Dawsonville GA Real Estate</strong></p>
<p>When you are out looking for <em>Dawsonville GA real estates</em>, you should set up parameters which will fit to the type of life-style you have. These parameters will definitely help lessen down your choices thus help you decide the right estates readily available and are to your liking. Parameters will include property specs (number of stories, number of rooms, and other house accessories), location and neighborhood of the estate, and size of the estate. Don&#8217;t feel restricted while using parameters you&#8217;ve just set. If you happen to think you need to readjust them, do so.</p>
<p>The only thing you should be very careful of is with regards to your spending budget. This could possibly be a bit troublesome most of the time especially when the property you would like to buy passed your qualifications but not your budget. In the event that this happen it is possible to ask for home loan assistance from agencies that provides it. You can actually apply for 1st time home buyers loan and use the money lending organizations give you. Otherwise, find another property which will pass your own personal parameter and is within your budget. Don&#8217;t push yourself to purchase it. Look for more options.</p>
<p><strong>Dawsonville GA Real Estate: Web-based Browsing</strong></p>
<p>So the question is where could you locate <em>Dawsonville GA real estates</em>? You&#8217;ll find lots of online sites which feature various real estate properties. Take some time in scanning each 1 of them till you see the one you are searching for. Jot down important notes of each property you think is a candidate. Soon after you&#8217;ve done your search, you&#8217;ll be able to evaluate each one of them and then decide what to invest in.</p>
<p>Looking for a <a target='_blank' href="http://www.libbyvalentine.com">Dawsonville GA Real Estate</a> is not that hard once you really know what to look for. Set parameters and follow them. When you do, the road to purchasing 1 is going to be less difficult.</p>
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		<title>Discover Why Double Glazed Wooden Sash Windows Can Increase The Value Of Your Home</title>
		<link>http://www.alabamamortgageteam.com/2012/01/discover-why-double-glazed-wooden-sash-windows-can-increase-the-value-of-your-home/</link>
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		<pubDate>Sun, 01 Jan 2012 15:47:47 +0000</pubDate>
		<dc:creator>Larry David</dc:creator>
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		<description><![CDATA[Double hung sash windows were most likely invented in England around the year 1700. The design was soon exported, first to Holland, which was a major trade partner at that time, and then around the world to British and Dutch overseas colonies. Many sash windows still exist today in homes built in the 18th and 19th centuries. These units are sometimes showing their age, and owners may feel that they are due for replacement, but they may also feel a desire to retain the simple elegance of the original design. This article will show why double glazed wooden sash windows can increase the value of your home.]]></description>
			<content:encoded><![CDATA[<p></p><p>Double hung sash windows were most likely invented in England around the year 1700. The design was soon exported, first to Holland, which was a major trade partner at that time, and then around the world to British and Dutch overseas colonies. Many sash windows still exist today in homes built in the 18th and 19th centuries. These units are sometimes showing their age, and owners may feel that they are due for replacement, but they may also feel a desire to retain the simple elegance of the original design. This article will show why double glazed wooden sash windows can increase the value of your home.</p>
<p>Period homes, particularly those built during the Georgian and Victorian period, often owe much of their charm to the elegant appearance, and excellent proportions, of their original sash windows. Nevertheless many owners now find that those units present many problems such as draughts, condensation on cold days, rattles on windy days, and lack of modern security and safety features.</p>
<p>Research has shown that retaining original features will often add to the value of a home, and make it easier to sell. In addition many period homes are located in conservation areas, and local authority regulations may prevent original features, such as sash windows, being replaced by more modern features, such as UPVC double glazing.</p>
<p>Those who would like to fix the problems they have with their old windows, but do not want UPVC replacements, often have two choices. They may either choose a refurbishment project, or they may choose replacement by modern double glazed wooden sash units, closely matching the originals in style.</p>
<p>During a refurbishment project windows are dismantled, loose joints and other problems rectified, the glazing can be replaced by modern laminated glass (low E), pulleys and cords can be serviced, and handles and catches can be either refurbished or replaced. It is also possible to fit more modern stops and security locks.</p>
<p>Refurbishment projects deal with many problems such as rattles, draughts, and lack of modern security locks, but the window is still a single glazed unit. Although low E laminated glass is much better than the original glass, and other options such as secondary double glazing can be considered, the solution will never match up in energy efficiency to a UPVC double glazed replacement.</p>
<p>Owners who wish energy efficiency to be comparable to UPVC can choose double glazed wooden sash windows. These are authentic traditional designs, matching original styles, and built with engineered softwood or hardwood, but providing high energy efficiency just like UPVC double glazing.</p>
<p>Learn how double glazed wooden sash windows can increase the value of your home now in our complete overview of <a target='_blank' href="http://www.sashwindowrepairs-london.co.uk/Sash-Window-Restoration-London.html">London sash window company</a> and all you should know about <a target='_blank' href="http://www.sashwindowrepairs-london.co.uk/default.html">sash window repair London</a> .</p>
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		<title>Florida Short Sales and Foreclosures</title>
		<link>http://www.alabamamortgageteam.com/2012/01/florida-short-sales-and-foreclosures/</link>
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		<pubDate>Sun, 01 Jan 2012 14:52:11 +0000</pubDate>
		<dc:creator>Jonathan Briggs</dc:creator>
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		<description><![CDATA[Foreclosure rates seem to have declined somewhat around the country. This does not mean that we are out of danger, however, in our real estate markets.]]></description>
			<content:encoded><![CDATA[<p></p><p>Foreclosure rates seem to have declined somewhat around the country. This does not mean that we are out of danger, however, in our real estate markets.</p>
<p>In Florida, short sales are increasing, especially among luxury homes priced over $1,000,000. The reason is that a structured short sale allows negotiations by experts to take place privately. One team of short sale gurus based in Tampa Bay specializes in short sales of waterfront properties throughout the state. Their clients often avoid public embarrassment, remain in their homes during the negotiation process, and schedule their move outs and transition well in advance.</p>
<p>During the first six months of 2011, foreclosure activity, including default notices, home auctions, and repossessions, decreased in 178 of the 211 largest U.S. metro areas compared with the first half of last year, according to foreclosure data firm, RealtyTrac. Among the top 20 largest cities, only Seattle posted an increase in foreclosure filings. Because of job losses in the city, Seattle&#8217;s foreclosure rate shot up by 10 percent this year.</p>
<p>Overall, foreclosure activity fell in 84 percent of the country&#8217;s areas that have more than 200,000 residents. A glut of distressed properties on the market has sent home prices plummeting for the past five years and has left neighborhoods blighted with unsightly, crime-attracting properties. So any decrease in foreclosure activity is a step in the right direction. Or is it? In this case, the slowdown is simply a prolonging of the painful foreclosure crisis. After several big banks were discovered to be improperly filing their foreclosures last fall, a widespread investigation has made them slow down and double check their work. This has resulted in many new foreclosures being postponed.</p>
<p>A director of communications for RealtyTrac recently reported that the decreased number of foreclosures is artificial, secondary to a slowdown in the process itself. Another confirmed that the cities with the largest decreases occurred in states where judicial foreclosures are required. These include New York, Maryland, Florida, New Jersey, Connecticut, Massachusetts, and Illinois.</p>
<p>&#8220;These dramatic decreases indicate the foreclosure pipeline continues to be clogged in many local markets across the country, sometimes by a glut of already-foreclosed properties that are not selling quickly, sometimes by a mountain of improperly-filed foreclosures that are blocking the inflow of new foreclosure filings &#8211; and sometimes by both.&#8221;</p>
<p>The glut of homes in foreclosure or about to be foreclosed will certainly cause home prices to continue to fall. There&#8217;s little hope of a recovery in the housing market until job opportunities and the overall economy improve. This does not appear to be in the cards anytime soon.</p>
<p>When conducted by someone who truly understands the process, a short sale can be a win-win situation for all concerned. The distressed homeowner avoids the embarrassment of a public foreclosure and auction. The lender saves money without having to go to court. And the purchaser obtains a desired property at its current market value. This is very common today for luxury properties in Florida.</p>
<p>Go to <a target='_blank' href="http://tinyurl.com/4yfx83s">private SALE COMMANDO</a> to learn all your options. Experts in private sales of luxury homes in Florida. Private and Reliable.. Also published at <a target='_blank' href="http://www.uberarticles.com/home.php?id=1010852&amp;p=51758">Florida Short Sales and Foreclosures</a>.</p>
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		<title>Can Why Double Glazed Wooden Sash Windows Can Increase The Value Of Your Home And Grounds Effortlessly</title>
		<link>http://www.alabamamortgageteam.com/2011/12/can-why-double-glazed-wooden-sash-windows-can-increase-the-value-of-your-home-and-grounds-effortlessly/</link>
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		<pubDate>Sat, 31 Dec 2011 14:26:09 +0000</pubDate>
		<dc:creator>Grazina Mazur</dc:creator>
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		<description><![CDATA[People work to keep their house worth higher. Awareness is given to presenting both the land as well as the house looking great. The window is an overlooked area of contributing value for the residence. People like to learn can why double glazed wooden sash windows can increase the value of your home. At times, renovating or even updating a window will accomplish this.]]></description>
			<content:encoded><![CDATA[<p></p><p>People work to keep their house worth higher. Awareness is given to presenting both the land as well as the house looking great. The window is an overlooked area of contributing value for the residence. People like to learn can why double glazed wooden sash windows can increase the value of your home. At times, renovating or even updating a window will accomplish this.</p>
<p>Double glazed sashes, back in demand again. The differences associated with the sash window links one to their past. Definitely, this emphasizes the enchantment of white mansions occupying great estates.</p>
<p>Current double glazed sashes fuse old world charm together with contemporary performance. Traditional features are merged with modern advantages creating an impression that screams superior quality. The performance created by existing technology makes for comfy living. And double glazing may be added giving heat plus sound insulation. Effortless opening and closing combined with tinted glass allows for privacy whenever you want it.</p>
<p>A timber window generates a tranquil assertion to quality and authenticity that other materials are unable to match. Current paint technology means that timber window systems can perform long term, be easy to operate and still look great. Keeping an eye on maintenance will prolong the life and appearance of timber windows.</p>
<p>Brand new mechanisms work well and provide a significantly longer life than traditional mechanisms. Adjustments to the tension are super easy to fix without taking off timber trims from the frame. Old fashioned components were difficult and expensive to repair.</p>
<p>Reliable experts are able to upgrading or swap other window types with sashes. People can return to the elegance and romance of earlier times with the knowledge contemporary technology will provide trouble free use.</p>
<p>A Sash window is safe since they go along their tracks. Getting away your home in an emergency does not become hard. Lift the lower sash up to the top and leave. A regular house window opening upon verandas are a basic safety issue. Being struck by swinging glass frames opening to the veranda cannot happen.</p>
<p>Inherently safe windows do add to worth. It is logical can why double glazed wooden sash windows can increase the value of your home. Talking with a competent window company to muster the facts is the good place to start.</p>
<p>Get inside information on reasons why double glazed wooden sash windows can increase the value of your home now in our review of <a target='_blank' href="http://www.sashwindowrepairs-london.co.uk/default.html">sash window repair London</a> and all you need to know about where to find the best <a target='_blank' href="http://www.sashwindowrepairs-london.co.uk/Sash-Window-Restoration-London.html">London sash window company</a> .</p>
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		<title>Exactly How Can Double Glazed Wooden Sash Windows Increase The Value Of Your Home Reliably</title>
		<link>http://www.alabamamortgageteam.com/2011/12/exactly-how-can-double-glazed-wooden-sash-windows-increase-the-value-of-your-home-reliably/</link>
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		<pubDate>Sat, 31 Dec 2011 14:25:53 +0000</pubDate>
		<dc:creator>Chris Burrows</dc:creator>
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		<description><![CDATA[Homeowners spend time to help protect their home price. That is logical for most people today, the house is their one greatest purchase. Time is taken up keeping the house in good repair, painting, replacing worn components, and keeping the yard clean and tidy. Can why double glazed wooden sash windows can increase the value of your home leads to greater rewards.]]></description>
			<content:encoded><![CDATA[<p></p><p>Homeowners spend time to help protect their home price. That is logical for most people today, the house is their one greatest purchase. Time is taken up keeping the house in good repair, painting, replacing worn components, and keeping the yard clean and tidy. Can why double glazed wooden sash windows can increase the value of your home leads to greater rewards.</p>
<p>Double glazing has been used for many centuries now and is a good way to control the temperature inside the house. In recent times the ability of double glazed windows to control noise has made this technology more popular. Dual glazed window systems are found in hot climates to keep noise out and reduce heating from the sun.</p>
<p>Second consider sash windows. These slide on individual rails, so they do not swing out. There is usually a top and a bottom frame allowing precise positioning to get the right amount of air. When shut, modern sashes are draft free and a wide range of lockable catches can be fitted.</p>
<p>Modern mechanisms differ from the traditional counterweight and pulley system, and have proven to operate reliably over extended periods of time. In days gone by, sash window repair was complex and involved removing window trims, replacing worn or broken components, nailing up the trims and repainting. Adjustment of modern mechanisms is a simple matter of twisting a rod to fine tune the tension on the system.</p>
<p>Sashes are excellent at controlling airflow in and out the house. It is easy to control the size of opening which determines strength of airflow. Good window placement allows sashes to provide great cross ventilation, keeping the house cooler. Many people have found this alone reduces the time they need to use air conditioning units.</p>
<p>Swinging window frames opening onto verandas are a safety hazard. People can bump into them or a wind gust can wildly slam the frame causing broken glass, or even worse hitting someone. Sashes are the safest window to install onto a veranda or patio.</p>
<p>Timber has always been associated with value and longevity. It implies elegance and quality. Modern surface protection in paint or stain preserves and adds to its life. Well maintained timber frames are known to last over a century and still look good.</p>
<p>Timber sash window systems imply an elegance and value no other system can match. Double glazing provides dazzling thermal and noise control. Combining these two tested systems is perhaps the best way to can why double glazed wooden sash windows can increase the value of your home.</p>
<p>Did you hear much about the <a target='_blank' href="http://www.sashwindowrepairs-london.co.uk/Sash-Window-Restoration-London.html">London sash window company</a> yet? The <a target='_blank' href="http://www.sashwindowrepairs-london.co.uk/default.html">sash window repair London</a> that we know of is pretty good. They will get your task done.</p>
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