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It is important to note that digital rights management relies on other technologies to enforce controls. These include encryption and licensing technology that prevent unprotected content from being accessed and lock protected content to specific licensed machines.
Many consumers feel that digital rights management software is too restrictive,[link widoczny dla zalogowanych], mostly when used by the movie and music industries. However,[link widoczny dla zalogowanych], digital rights management only tries to solve a legitimate problem which is costing these industries millions of dollars. When someone downloads an MP3 file of a copyrighted song from a free file-sharing network instead of buying the respective CD,[link widoczny dla zalogowanych], the music label that owns this copyright and the artist who created the song lose money. The movie industry has estimated revenue losses due to illegal distribution of DVD content at about $5 billion every year.
Digital rights management (DRM) is a technology that controls usage of information,[link widoczny dla zalogowanych], such as expiry,[link widoczny dla zalogowanych], the right to print,[link widoczny dla zalogowanych], etc. The technology is useful for companies that wants to block the forwarding of sensitive e-mail, for e-book security to restrict access to copying and printing of materials, and in a movie studio to limit the number of copies one can make, among other uses.
By Vicky Milza
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However, the problem is that when one buys a DVD or CD it is legal to make a copy of it for one’s own use. This is the idea of the fair use principal in copyright law, thus negating copyright protection in favor of the content user. This also includes copying protected material for personal use and also anything in the public domain. Most digital rights management schemes however cannot take the fair use concept into account as the digital rights management software cannot make a subjective decision. Publishers therefore need to be flexible in the controls they impose.
Distribution of digital content over the Internet through file-sharing networks makes the traditional copyright law obsolete in practice and the Internet makes it impractical to sue everyone breaking the law,[link widoczny dla zalogowanych]. This has therefore led to companies trying to regain control of distribution through the use of digital rights management software thus making it technologically difficult for consumers to make digital copies,[link widoczny dla zalogowanych].
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Garlic is a popular cholesterol-lowering herb that contains allin and allicin. It has antispasmodic properties that help facilitate proper digestion and absorption. Because of its quick and effective actions on the gastrointestinal tract, excess cholesterol won't be easily stored as fat since garlic tries to let the body eliminate it instead.
Olive Oil
Little by little larger numbers of people suffer from heart disease as a consequence of high cholesterol levels. There are many factors that enable the accumulation of cholesterol inside the organism, but the major cause is considered to be unhealthy diet. Unhealthy diet and bad eating habits can considerably increase blood cholesterol levels. That’s why cholesterol lowering foods should be part of a cholesterol lowering diet.
Cholesterol lowering food should be included in everyone's diet but especially in a diet to lower cholesterol if your cholesterol is already high. Failure to include cholesterol lowering food in your diet can lead to heart attack and stroke.
While foods containing soy protein are no longer considered cholesterol lowering foods,[link widoczny dla zalogowanych], they can still be part of a healthy diet. Soy protein will not harm your health, and substituting soy protein,[link widoczny dla zalogowanych], such as tofu, tempeh,[link widoczny dla zalogowanych], edamame,[link widoczny dla zalogowanych], soy nuts,[link widoczny dla zalogowanych], soy milk,[link widoczny dla zalogowanych], soy burgers, soy cheese, and soy flour for animal protein, continues to be a wise food choice because of its high content of polyunsaturated fats, fiber,[link widoczny dla zalogowanych], vitamins, minerals,[link widoczny dla zalogowanych], and low content of saturated fat.
Flaxseed provides alpha-linolenic acid a poly-unsaturated fat which has been shown to lower cholesterol while providing needed soluble fiber.
By Peter Hutch
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Cholesterol lowering food in combination with a healthy fit lifestyle has been proven over and over again to be one of the most effective ways of lowering cholesterol naturally.
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Nuts such as almonds and walnuts that have a high amount of monounsaturated or polyunsaturated fat, also help lowering cholesterol. Researchers have found that nuts not only lower the total and LDL (or “bad”) cholesterol significantly,[link widoczny dla zalogowanych], but also help maintain a desirable level of HDL (or “good”) cholesterol.
Flaxseed
Cholesterol is a waxy, fat-like substance found in your bloodstream and every cell in your body. First off, it is important to note that cholesterol is normal. We all must have some cholesterol within our bodies. Without out it,[link widoczny dla zalogowanych], your body would be unable to produce cell membranes and various hormones. But here is where it gets complicated. When your body has too much cholesterol,[link widoczny dla zalogowanych], this waxy substance starts to form blockages in the arteries,[link widoczny dla zalogowanych], which can lead to heart attacks and strokes.
Olive oil is one of the mono-saturated fats and studies have shown that it lowers blood cholesterol. Extra virgin olive oil is suggested to be better than other varieties.
Oatmeal is a good source of carbohydrates and soluble fiber. Soluble fiber helps reduce low-density lipoprotein or LDL which is also called bad cholesterol. Soluble fiber acts to hinder excess absorption of cholesterol in the intestines. With its gel-like qualities, bile works with dietary cholesterol to be properly excreted by the body.
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Here’s how he assessed himself (and his question):
David may very well have a good shot at schools like Yale and MIT; AND, there might be other colleges he isn’t even considering yet that would be even better fits for the type of student he actually is. Problem is, there’s a lot he doesn’t know (and most likely there’s a lot his parents don’t know,[link widoczny dla zalogowanych], too).
- If that is the case, does it mean that average students pay around $2,000 each year for their tuition (ignore room, books, and other costs first)?
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Do you know how the college process really works,[link widoczny dla zalogowanych]?
- Does the average financial aid package mean the total money/scholarship you’ll get for one year (two semesters)?
The solution is to get help with all of this. College is a huge investment of time, effort and money – now is not the time to cut corners.
By Jeanmarie Keller
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And when you don’t know what you don’t know, you end up disappointed.
Your Smart Plan For College Assignment:
First up, he believes that “Great grades, strong SAT scores and lots of activities are enough”. Well, the THOUSANDS of students who apply to MIT and Yale also have them. So,[link widoczny dla zalogowanych], what else do you have to offer, David?
Outline three steps you could take right now (based on the mistakes “David” is making or to avoid the myths he’s believing) so that you don’t end up disappointed.
“I have straight A’s throughout my high school. I have a pretty good SAT and ACT scores. I can write a killer essay. I have been doing a few extracurricular throughout 4 years. I guess recommendation is not a big problem. So I want to have a shot at MIT.
Take a moment to be really honest with yourself: do you see a bit of yourself or your student in David’s story?
Next: “I can write a killer essay.” David, even Hemmingway needed an editor. And,[link widoczny dla zalogowanych], writing a decent essay in class is not the style of essay you’ll need on the application. And, as a former English teacher, I’ve met a lot of English teachers who can’t write. So, relying on them may not be the best idea, either.
However, when I was searching for Yale this morning, my mind starts to change a bit. So here is my question:
Next problem: “I guess recommendation is not a big problem.” (The way this is written makes me question his ability to “write a killer essay”),[link widoczny dla zalogowanych]. Getting a good recommendation is not simply a question of asking someone to write one.
Are you sure?
- Let’s say that I’m REALLY lucky,[link widoczny dla zalogowanych], and get a scholarship that worth more than the cost of my tuition, does it mean that I can even “EARN” money as a college student (if I spend less on the other costs)?”
I recently saw a question posted by “David” on one of those “Ask an expert” type sites - it was all about financial aid – and the answer to the financial aid question was only half-right. Half-baked information will get you half-baked results.
“David” is interested in MIT but is now considering Yale, too,[link widoczny dla zalogowanych], because of information he came across regarding financial aid on Collegeboard.com.
And,[link widoczny dla zalogowanych], finally, my favorite: ”Let’s say that I’m REALLY lucky, and get a scholarship that worth more than the cost of my tuition…” again, apart from the lousy writing, this sentence screams ignorance about the colleges he is looking to attend.
There’s a lot he doesn’t know about these colleges and about the college search, selection, application and funding process in general.
- So, if I’m lucky enough, does it mean that I can get a ride to college for FREE or almost FREE?
David also believes he should get a scholarship,[link widoczny dla zalogowanych], but has no clue as to how or why it would happen. How do I know? “Let’s say that I’m REALLY lucky, and get a scholarship…”
If you can’t list three steps, it’s time to get some help.
Yale (and the rest of the Ivy League) and MIT (and most of the other Ivy-Type colleges) do not offer scholarships. If you have a financial aid need,[link widoczny dla zalogowanych], they will offer you need-based aid. But they don’t offer scholarships — because they don’t have to.
But, what struck me more was the “self-assessment” of the person writing the question. It struck me because I “see” this A LOT from students.
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Searching for unclaimed money in the USA,[link widoczny dla zalogowanych], one of the biggest countries in the world almost sounds impossible. Many federal agencies in coordination with the state governments have created tools to aid owners of lost money; with the help of those an owner of unclaimed cash can easily find its money. The informative tools rendered by the government helps in making the reclaiming process easier and simpler for the rightful claimants. The tools help people to access the state database easily.
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• IRS can also be a great tool of extra earnings. Every year many people pay tax to the government,[link widoczny dla zalogowanych], however many forget to fill an income tax return. A person can get his unclaimed IRS money by providing information related to money he owns along with social security number.
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• Other than visiting different websites and searching on the Internet, one can keep an eye on press releases and publications released by the states in relation to the unclaimed money lying under the authority of the state.
• In some states, documents related to security deposit contents are released to get the attention of the rightful claimant; however some states put the content for auction to reduce the burden on the state.
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• List out all the private search agencies helping in finding missing money. There are many reliable and accredited private agencies’ websites that offer a huge data to search unclaimed money from.
Getting unclaimed money is one of the easiest ways to increase income. Federal agencies and state governments have tried their best by providing effective tools for making unclaimed property searches easier. With the help of these tools and strategies of federal government,[link widoczny dla zalogowanych], majorities of people are now aware of unclaimed money. As a result of promotion and fairs organized by the government, the number of claimants has been increased from the last year.
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You just need to contact with some staffing solution agencies who will do all the paper work on your behalf if you want to go abroad for job,[link widoczny dla zalogowanych]. They will give you required training also for that job for which you apply. These companies take a little amount of money for all that services. So it’s not much difficult to settle in abroad now,[link widoczny dla zalogowanych].
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If you are interested in a career in the construction industry then it is important that you know your work well. For any success in construction work it is mandatory that you receive the required training and are able to handle the kind of projects that are assigned to you.
Construction-related job vacancies in other countries encompass all levels of expertise and experience. Sometimes you can find a construction job that requires nothing more than being physically fit and a display of willingness to learn the tricks of the trade. However,[link widoczny dla zalogowanych], your chances of being hired by a large employer for a project that can bring you a higher salary will increase if you possess the right skills and educational and work history. For example, if you're aiming for a managerial position or perhaps a job that involves multiple responsibilities then you would probably need to have considerable managerial experience in addition to the right educational background in order for your application to be considered. On the other hand, you don't need a master's degree to find a job as a bricklayer or a plasterer, but previous experience in those capacities will increase the odds of your landing those kinds of construction jobs.
There are many reasons why construction workers and contractors look forward to working in a foreign country. First, the wages and benefits package can be attractive, with health insurance and overtime pay in a number of cases. There's the chance of getting to use high-tech building materials and tools, especially when it comes to large-scale construction projects. And of course,[link widoczny dla zalogowanych], the prospect of working with new people plus the experience of living in a different culture are powerful influences on one's decision to build homes and other buildings in another country.
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By Andrew Horton
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Action Idea: Start to explore your environment and try discovering areas where you can find meaning and fulfillment.
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Try to bring one or all of these factors into your experience, you will be amazed at how they will contribute to your feeling of contentment and bring meaning into your experience. The most wonderful side effect of working to bring any of these concepts, I have described above, into your experience, is that as wonderful as it is to cross the finish line in each case. The journey, which you must travel to invite this level of meaning and fulfillment into your experience is almost magical.
•Try to discover ways of developing deep meaningful connected relationships with people around you
•Look for a cause larger than you, which you can support.
•Make a contribution to others, with no expectation of receiving anything in return.
•Look for and discover all the wonders, which are in your life right now and feel real gratitude for them.
•Commit to a life of on-going learning and growth, as you grow and become more, you will invite far more meaning and fulfillment into your experience..
When you invite meaning and fulfillment into your life,[link widoczny dla zalogowanych], you will have discovered a way of feeling happy and content,[link widoczny dla zalogowanych], despite any changes in your circumstances or any small mishaps, which may occur. A life of meaning, where you have a deep sense of purpose and value,[link widoczny dla zalogowanych], will most certainly never change,[link widoczny dla zalogowanych], because someone knocks an ice cream out of your hand. When you have meaning and you have invited fulfillment into your life, you are living in a state of joy and happiness,[link widoczny dla zalogowanych], which is not dependent on purely fleeting emotions.
Attempting to pursue happiness is as effective as attempting to discover the pot of gold at the end of a rainbow. The harder you try to find happiness,[link widoczny dla zalogowanych], the more you pursue it, the further out of your reach it will become. Happiness is never something you pursue; it is something you choose to enjoy, because of internal feelings of contentment and meaning. It is a state of mind, you can choose to invite into your experience at any time. If you allow your happiness to depend on factors outside of your control or things in your environment, over which you have little or no control,[link widoczny dla zalogowanych], any small change in your circumstances or in your environment, will result in changes to your state over which you have no control.
So whenever you are looking for ways to invite happiness into your life, simply change your focus off everything, which may be wrong and instead think about all the wonderful things you have to be grateful for in your life. Another way to invite happiness into your experience is to do something special for someone else. Any selfless act will bring buckets of happiness,[link widoczny dla zalogowanych], contentment and fulfillment into your life. Why not give it a whirl, living a life of meaning and fulfillment,[link widoczny dla zalogowanych], is such a satisfying place to live.
I am sure that enjoying a delicious ice cream will make you happy. The challenge though,[link widoczny dla zalogowanych], is when you allow that ice cream to be the catalyst for your happiness. What happens if someone, accidentally knocks the ice cream out of your hand? Do you immediately change your state, from happy to angry? If you are outward looking for your happiness, it will be fleeting and temporary. The art of enjoying positive feelings or sustainable happiness, which is not dependent on any extraneous factors, is to find meaning and ways of inviting fulfillment into your experience.
One of the easiest ways to immediately change your state and to begin your journey towards meaning and fulfillment is to explore your life and find all the wonders in your life,[link widoczny dla zalogowanych], for which you are grateful. When you take the focus off you and place it on all the positive things you have in your life to be grateful for, you immediately feel more positive an upbeat. Gratitude helps you to wash away all the fear and anxiety. You cannot feel gratitude and fear and anxiety at the same time.
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The vast majority of house owners don't realize this. For each and every chunk of "do-it-yourself" eco friendly electrical energy you create but do not use up your self may be instantly fed right back into the electricity grid. If this occurs, you will be making dollars for every amount of that electrical power whilst your electrical power meter will in reality read in the opposite direction. Therefore,[link widoczny dla zalogowanych], as opposed to your meter guy visiting your property to determine the amount of you need to pay monthly,[link widoczny dla zalogowanych], they will be dropping by to see how much cash these people are obligated to repay you.
By Trenton Roda
See all Articles by Trenton RodaGet Updates on Energy BarsGet Updates on Trenton Roda Average: 0 Your rating: None Tweet
Nowadays,[link widoczny dla zalogowanych], you won't have to plunk down thousands of pounds to incorporate a skilfully manufactured and built in wind power generator or solar cells in your property to generate your personal "build it yourself" eco friendly electrical energy. One can find uncomplicated "build it yourself" renewable power e-books which usually explain right down to nuts and bolts about the simplest way you're able to simply create your own electrical energy devices,[link widoczny dla zalogowanych], within a strict budget of approximately a hundred us dollars over the course of a day's time. These types of complete manuals are now altering the electrical power landscape as more home-owners are getting started to crank out their own personal "build-it-yourself" earth-friendly energy.
Plenty of property owners have began hooking up their photo voltaic cells as well as wind turbines to generate enormous portions of Do it yourself renewable power,[link widoczny dla zalogowanych]. They then leave it in place with no servicing necessary to allow them to have a continuing and reliable flow of income forever. Property owners using excess terrain might line their spare acreage with sustainable electrical power gear and crank out power grid energy on huge scales.
To find out more on how you can make DIY green energy for homes by installing solar panels for your home and going green,[link widoczny dla zalogowanych], visit our website...
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This DIY renewable power is entirely equivalent as the electrical power that you receive from the energy business,[link widoczny dla zalogowanych], therefore it is provided back into the electrical power grid and sent out amidst several houses locally. The authorities will provide duty reliefs to house owners who produce their own personal electrical energy from the beginning since this power is noticeably more cost-effective as compared to them having to maintain limited electricity within the electricity company.
The advantages are the apparent conserving money on electric power bills,[link widoczny dla zalogowanych], raising the price of the home overall and also making yourself suited to get electric power linked tax reductions. One of the best factors pertaining to "build it yourself" green electrical energy which home owners are learning to grab hold of is that you can turn the idea into your personal reliable stream of cash. Let me reveal easy methods to do this.
The good features with this automatic cash flow is the fact that it is for a lifetime once the devices are built,[link widoczny dla zalogowanych]. It is also entirely your choice when it comes to what amount "build-it-yourself" eco-friendly electric power that you choose to generate simply because the increase of extra solar powered panels or wind generators exponentially boosts your energy output and revenue,[link widoczny dla zalogowanych]. Several home owners are gaining five digit earnings by doing this alone and also supplementing their existing earnings.
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If you are a merchant, imagine selling more of your own product each time you purchase anything online. If you run an affiliate program, you also sell more of your product each time an affiliate of yours purchases anything online.
Imagine if you had earned sales commission for every online purchase you've ever made,[link widoczny dla zalogowanych]?
Anyone can now be subsidized in the form of a guaranteed sale at their own or affiliated merchant site,[link widoczny dla zalogowanych], whenever they purchase any product,[link widoczny dla zalogowanych], service,[link widoczny dla zalogowanych], membership or program from any online merchant.
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How many commission payments have you put in someone else's pocket?
This happens automatically each time you purchase anything online,[link widoczny dla zalogowanych].
Inadvertently, a loophole has been discovered in the process.
Affiliate2Affiliate.com have a fun interactive game explaining the benefits that can be derived from SpinningTornado. Additionally, any Tokens won in the game are redeemable for real services which you can use to exploit the loophole at no cost whatsoever.
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By Michael Lever
See all Articles submitted by SelfGrowth.com AdminSee SelfGrowth.com Admin's Expert PageGet Updates on Business OpportunitiesGet Updates on SelfGrowth,[link widoczny dla zalogowanych].com Admin Average: 0 Your rating: None Tweet
If you are an affiliate, imagine combining with other affiliates in a way that allows each to gain the commission for personally referring the other.
The loophole allows all affiliate and network (MLM) marketers to leverage off each other's commission and downline potential,[link widoczny dla zalogowanych].
The same loophole allows merchant sites to leverage off each other's profit potential,[link widoczny dla zalogowanych].
The beauty of the loophole is that it can be exploited without risk,[link widoczny dla zalogowanych]!
Merchants just need to list their sites for free while affiliate and network marketers just enter their referral URL's for free,[link widoczny dla zalogowanych].
I sincerely hope you consider making the loophole work for you as it does for others.
Two years in the making, the niche service known as "SpinningTornado" was created to alleviate the frustration many affiliate marketers and online merchants feel in generating revenue from their efforts.
If you want to make money on the Internet, you can either be a merchant and sell your own product,[link widoczny dla zalogowanych], or you can affiliate yourself with other merchants and earn commission from referred sales.
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LocalNet360-Debt Relief IQ is a unique consumer debt relief portal that automates the way in which consumers manage their credit debt problems and is working with servicers nationwide to improve the way in which they administer programs that help consumers. The current administration, however, has failed to respond to the continued abysmal performance of the large Servicers in implementing programs to keep people in their homes.
Although it is widely accepted that the Servicers have failed to implement loan modifications on any scale that will perform well for Investors of the mortgage notes, when our Field Service Agents make contact with the borrower, in addition to examining the work-out options for the mortgage, they are also exposed to an extensive 'Soft Chapter 13' debt settlement,[link widoczny dla zalogowanych], debt relief program that attacks the major sources of consumer debt competing for the cash flow meant to service mortgage debt namely unsecured credit debt, including but not limited to credit card debt,[link widoczny dla zalogowanych], personal lines of credit, business debt and unpaid tax debt. Although the Servicers do not address the 'total debt' picture for each note holder, Debt Relief IQ's borrower debt relief model has yielded greater secured loan performance by incorporating the total debt service approach, a clear departure from the limited Servicer approach.
Our distressed asset workout program utilizes extensive net present value and waterfall algorithms that can be customized to individual Investor or even program-level specifications, allowing for highly targeted workout programs for every class of distressed assets for the benefit of Investors while also giving the note holder immediate feedback on the likelihood that a work-out can be achieved or whether other options should be pursued such as short-sale to create a dignified exit for the note holder that cannot manage to stay in the home.
Internet Marketing By LocalNet360
© Copyright LocalNet360, Debt Relief IQ All Rights Reserved Worldwide.
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In fact, the Amherst Securities Group recently released figures showing that 80% of all nonperforming private-label mortgages have not been modified after 12 months and as of Sept. 30,[link widoczny dla zalogowanych], 2010,[link widoczny dla zalogowanych], that the Fannie Mae servicers had completed only 321,800 modifications including 158,800 restructurings that meet Home Affordable Modification Program (HAMP) specifications out of nearly two million note holders believed to be eligible for loan work-outs. Fannie has 60,500 borrowers in HAMP trials, which represents only 6% of its seriously delinquent loans.
Servicers use inadequate methods to contact and engage the borrower in order to evaluate whether a work-out can be accomplished. With so many consumers capitulating due to delinquent mortgage, and unsecured consumer debt such as credit card debt and personal lines of credit, a growing number of homeowners simply do not bother to answer their phones to avoid the stress of dealing with high pressure collection agents.
A vast majority of the Servicer’s infrastructure and staff is consumed by servicing collection calls,[link widoczny dla zalogowanych], chasing consumers that are delinquent and barraging households with multiple phone calls daily that are generated by automatic dialers. To be clear, the purpose of these calls is to collect on delinquent mortgage or credit card debt payments, not to offer a proactive approach in helping the borrower understand his/her options. As Director Demarco has clearly stated, Servicers were never prepared to handle the acceleration of nonperforming loans; but after several years of failure it is now time for the Servicers to embrace some new processes and technologies to better manage, track and automate the loan life-cycle.
Unsettled, credit debt that end up as judgments or wage garnishments obviously jeopardize the note holder’s ability to sustain payments even after a loan modification is achieved. In other words, all of the time and resources dedicated by the Servicer to execute a successful loan modification can be instantly unwound if the Servicer ignores the competing forms of consumer debt, especially credit debt.
The Acting FHFA Director Edward J. DeMarco revealed recently on December 2nd that the, "Servicer's deficiencies undoubtedly reflect strains on a system that is operating beyond capacity and was never designed to handle the volume of nonperforming loans that we are seeing today.” He concludes that,[link widoczny dla zalogowanych], “they also represent a breakdown in corporate internal controls and the integrity of mortgage servicing and processing.”
I recently spoke to a colleague at one of the Mega-Servicers who shared with me that out of the last 20,000 Home Affordable Modification Program (HAMP) packages sent to homeowners that only 400 of those packages resulted in a completed loan modification. Our firm’s analysis of the work-flow processes of the Servicers clearly demonstrates "large service and technology gaps" that explains why only a very small percentage of homeowners have actually benefited from loan modifications.
If it is ascertained that the homeowner lacks the sufficient income to meet the basic HAMP qualifications, the borrower must begin to consider his/her other realistic options. Given either eventuality, an aggressive outreach methodology improves contact rates which in turn increase the number of homeowners that will actually attempt and ultimately qualify for a loan modification. In addition, the borrower is more likely to respond positively to other options, such as a short-sale,[link widoczny dla zalogowanych], after an attempt is made by the Field Services Agent to qualify the note holder for a loan modification, even if they do not qualify. The point is that it is the responsibility of the Servicer to contact and engage the consumer which simply is not being done.
Total Debt Matters
This discussion will focus on specific areas of the Servicer work-flow processes that contribute to the “large service and technology gaps," in the way in which loan work-outs are initiated and processed.
Of course, the recent scrutiny of Servicer practices is further exposing Servicer inadequacies; clearly, the sheer volume of delinquent homeowners has put intense pressure on Servicers, including their loan workout efforts. With the John Burns Real Estate Consulting firm estimating that the “shadow inventory” of homes is headed towards 4.7 million foreclosures,[link widoczny dla zalogowanych], it is obvious that Servicers must drastically overhaul their work-flow processes in order to have a fighting chance at creating some head winds against the growing momentum of REO inventories.
By Richard Kaye
See all Articles by News LocalnetGet Updates on Debt and Debt ConsolidationGet Updates on News Localnet Average: 0 Your rating: None Tweet
An affiliate of Debt Relief IQ, Red Rock Servicing located in Irvine California, employs a 'Right Party Contact Model' that utilizes licensed Field Services Agents that make multiple trips to the home and talk to neighbors in order to make direct contact with the actual borrower. When paid for by the Servicer,[link widoczny dla zalogowanych], a real time financial interview is conducted and the homeowner's current income and employment information are fed into an Automated Analytics Engine to determine whether a note holder qualifies for a loan modification; if so, a HAMP Package is generated to be printed and hand delivered to the note holder. Upon completion, the HAMP package is then checked over for accuracy and completeness by the Field Service Agent (or processing center) then forwarded directly to the Servicer for final approval. In the current Servicer model so many note holders are simply overlooked as the Servicer possesses no predictable process to ensure the note holder outreach, qualification, delivery, processing of documents and approval for a note holder that would normally receive a completed loan modification if the proper process technologies were in place.
For more information on our Debt Settlement programs visit our website: [link widoczny dla zalogowanych][link widoczny dla zalogowanych].com
Debt Relief IQ is a practical and economical (no enrollment fees,[link widoczny dla zalogowanych], no up-front fees) approach to debt settlement and debt relief. Debt Relief IQ provides a unique approach to settling unsecured credit debt that puts the control in the hands of the consumer by providing a turn-key technology program (automated credit debt portal) that guides the consumer to settle their consumer debt with an easy to use step-by-step process. In many cases,[link widoczny dla zalogowanych], an unsecured debt settlement approach is required in order to qualify for the HAMP modification as to meet debt-to-income ratio requirements. If a consumer can reduce their monthly unsecured credit debt payments by enrolling in a program that saves the consumer money, that cash can be used to pay the mortgage.
‘Right’ Party Contact Matters
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Well, how do we make it stop? My book gives step-by-step details,[link widoczny dla zalogowanych], but it really boils down to one thing: solving problems. I talk a lot about how we self-sabotage good stuff, but what happens to our belief, faith,[link widoczny dla zalogowanych], or self-confidence when actual problems arise. Problems (a.k.a. challenges) are triggers to our AB. They automatically get us to fight (becoming angry or abusive to others,[link widoczny dla zalogowanych], engaging in self-destructive habits, for example) or flee (withdrawing, avoiding, procrastinating, becoming depressed, for example).
A few years ago,[link widoczny dla zalogowanych], “The Secret” (both the book and the DVD) prompted a lot of discussion with its simple message that you attract what you think about. But what if, no matter what you try to do,[link widoczny dla zalogowanych], negative stuff comes into your head? What if you’ve always had a problem staying upbeat?
Solving problems is how we tap into our higher mind. I’ve created a tool called the Glassman Revelation Grid, which reveals the truth behind alleged problems. For instance, if the lack of money represents a problem for you, the first step in assertive, mindful thinking is to take a closer look at your individual strengths and innate abilities (we all have them) to make more money. You can next look at how making money itself may actually represent a danger trigger to you (the revelation grid helps with all of this). But you cannot begin looking at it more deeply until you start solving the problem at hand.
It is crucial to understand the why behind negative behavior and thoughts. (Even more crucial is how to change; more about that in a moment.) A lot of people believe that if they open up their mind and body, the energy of the universe will,[link widoczny dla zalogowanych], perhaps through osmosis, flow in and bring them all the joy and abundance they need and want. But then they wonder why that’s not happening, and so they automatically revert back to old habits of behavior and thought.
The automatic nature of this pattern does not come from some far-out, esoteric intergalactic force. It originates above your shoulders, in the automatic brain (AB). This brain is real and concrete, and subject to the same kind of cause-and-effect influences as any scientific process. It is the why of self-sabotaging behavior and thought.
We allow our AB to run the show as we fight or flee our problems. But if we were to be honest about a purported problem, our mind would enter the picture, generating assertiveness. Being assertive means seeing our problems for what they are, not through the AB’s reactive prism. The AB’s why blocks our ability to see the how in problem solving and ultimately drains us and prevents us from realizing our true potential or connecting with our higher self and spirituality. You can only imagine what this can do to our physical and mental health!
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To this brain, the challenges we face in life represent dangers, causing the AB to initiate behavior and thoughts designed to get us to fight or flee those dangers. In essence, life itself represents a constant barrage of potential danger,[link widoczny dla zalogowanych], threat, and vulnerability. That barrage triggers self-sabotaging behavior and negative, worst-case-scenario thinking.
The sooner you believe you can solve your problems and begin doing so, the sooner you build self-confidence, self-love, and belief in the power of your mind, reinforcing it as your gateway to spirituality. Problem solving comes first, though. Start with small ones, and make simple daily goals. The more you develop ways to solve your problems,[link widoczny dla zalogowanych], and hold yourself accountable for your life, the sooner the things that are right for you will come to you. You will then become aware of everything that life offers, and you will gain the ability to love yourself purely, deeply,[link widoczny dla zalogowanych], and authentically.
The upbeat messages bombard us all the time: “Just think positive,” we’re urged. Or: “You should view the glass as half-full, not half-empty.” If we seem beset with self-doubt, we’re reminded to “just believe in yourself.” I’ve been part of this chorus of cheerfulness; you’ve heard me extol the power of thinking positive as it applies to health and wellness. But that’s OK, right?
So pernicious is this AB that when things start going well for you, you can almost count on some thought popping up that completely sets you back. Why? Because good things signal danger and vulnerability to your AB,[link widoczny dla zalogowanych], triggering it (and you) to fight or flee.
By Charles F. Glassman, MD
See all Articles by CHARLES GLASSMANSee CHARLES GLASSMAN&#039,[link widoczny dla zalogowanych];s Expert PageGet Updates on Self-Esteem and Self ConfidenceGet Updates on CHARLES GLASSMAN Average: 3.333335 Your rating: None Average: 3.3 (6 votes) Tweet
Though it may occasionally seem like shameless self-promotion,[link widoczny dla zalogowanych], I often refer in these weekly messages to my book, Brain Drain. Understanding the why behind the drain of the AB, with help from real-life examples, takes about three or four of the book’s chapters—too much for this weekly blog. (To understand it fully, I encourage you to click the link above and order a copy).
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In February 2004 Derek Eastman and I were invited as guests at the annual dinner of The Bushido Za Zen International Society by its Chairman Mr Arnold Davies Hanshi an old student of Kenshiro Abbe Sensei and a close friend of my own good friend Bill Woods Sensei.

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Preparation - Does your teacher make sure that everyone has all the props they need before class begins and mats are laid out properly,[link widoczny dla zalogowanych]? If it is a full class do they have students lay out their mats in such a way that if latecomers show up they can slip their mats in easily without disrupting the class? Do they have inspiring readings that they do at the beginning or end of class?
Accommodating - Are they able to give modifications for different body types, medical conditions and fitness levels? If you are very overweight or have an injured shoulder are they able to assist you in an unobtrusive way?
10. Music - Do you like to practice to sanskrit chants, new age grooves or in silence? Is the music so loud that you can’t hear the instruction?
Structured - Is there a warm-up, core postures and then a winding down into relaxation? Does the class flow nicely from one pose to another? Do you feel as if you entire body was rejuvenated or does your body feel uneven after the practice?
Training - Did your teacher get their training in a 3 day weekend or do they have 500 hours from a Yoga Alliance certified facility? Bonuses if they also have a medical background such as physical therapist or nurse and can give modifications if you have a herniated disk. Do they have a background in the specific kind of yoga you want to learn about (power, hot,[link widoczny dla zalogowanych], restorative,[link widoczny dla zalogowanych], prenatal,[link widoczny dla zalogowanych], chair etc)
Compassion - Do you want to have an extremely knowledgeable, know-it-all teacher that makes you feel like less or would you rather have a kind, patient, accepting teacher? Does it seem like your teacher is really committed to making a difference for their students or does it seem like they just like performing in front of a group? Are they accepting and non-judgemental about your abilities?
Reviews - What kind of feedback has the teacher received,[link widoczny dla zalogowanych]? Do some research online about the teacher,[link widoczny dla zalogowanych]. Talk to students that are at your level and ask them who the good teachers are. Ask your health practitioners who they would recommend.
Protection - Does the teacher make sure that latecomers do not disrupt the class and that everyone has their cell phones off. Do they make sure that all shoes are off,[link widoczny dla zalogowanych]? Do they allow people to be disruptive and leave early during relaxation? Do they start the class on time and end on time,[link widoczny dla zalogowanych]? If it is an advanced class do they encourage newcomers to start with a beginner class so they don’t slow the class down,[link widoczny dla zalogowanych]?
Inspiring - Does you teacher inspire you to come back to class,[link widoczny dla zalogowanych]? Do they help you think about how your practice relates to the rest of your life,[link widoczny dla zalogowanych]? Are they overly preach- and dogmatic?
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Assists - Do you want a teacher that will correct your pose so you can learn it correctly or do you want to be left alone and not touched so you don’t feel as self-conscious?
By Jasmine Kaloudis, Holistic Lifestyle Expert
See all Articles by Jasmine KaloudisSee Jasmine Kaloudis's Expert PageGet Updates on YogaGet Updates on Jasmine Kaloudis Average: 5 Your rating: None Average: 5 (1 vote) Tweet
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In February 2004 Derek Eastman and I were invited as guests at the annual dinner of The Bushido Za Zen International Society by its Chairman Mr Arnold Davies Hanshi an old student of Kenshiro Abbe Sensei and a close friend of my own good friend Bill Woods Sensei.

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Using the recommended grade of motor oil for the vehicles in your fleet will improve gas mileage by 1 to 2% by using the grade that is recommended by the manufacturer. That is the grade of oil the engine was made to take. Using the wrong grade of oil can reduce the vehicle's gas mileage by 1 to 2%. Also, oils that are marked "energy conserving" are especially helpful .The savings a business can experience by using recommended grade of oil is $.03 to $.06 per gallon per vehicle. If you have the same ten vehicles mentioned in the above sections that hold 25 gallons of gasoline and they are not using the right grade motor oil, but you change to the right grade of motor oil, the gas savings is a total of $7.50 to $15.00 per 3,[link widoczny dla zalogowanych],000 miles on the truck,[link widoczny dla zalogowanych], which translates to a yearly savings of anywhere between $85 and $200 per year in gas.
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The above examples are simple ways that can improve gas mileage. As a fleet manager,[link widoczny dla zalogowanych], you may also want to consider how quickly the driver accelerates and how well the driver adheres to the speed limit. While these things have nothing to do with fleet maintenance,[link widoczny dla zalogowanych], they do have an enormous impact on how much fuel is used on the road, which therefore impacts how fuel costs impact the business. By keeping these things in mind, thousands of dollars in fuel costs can be saved.
Fleet maintenance is very important. It ensures that all vehicles within a fleet are performing as they should. If any maintenance problem arises, the fleet operations manager or fleet management employee can arrange for those problems to be addressed before they become larger issues that may negatively impact the business' performance. But we need to note that it is also important to perform regular maintenance on the vehicles within a fleet to improve fuel efficiency. Many wonder how this is possible, but there are a number of factors that can help determine fuel efficiency. In the next few minutes, we will look at the various factors that can potentially impact your fleet’s fuel efficiency.
The actual savings that a business can experience by making sure the air filters in their vehicles are properly maintained is around $0.31 per gallon per vehicle. If you have ten vehicles that need new air filters and each holds 25 gallons of gasoline, then that is a total gasoline savings of $77.50. If trucks need to be filled twice a week,[link widoczny dla zalogowanych], that is a weekly savings of $155 a week or $620 per month. All of those savings really adds up. A simple air filter translates into savings of around $7,[link widoczny dla zalogowanych],500 per year,[link widoczny dla zalogowanych], which is a significant amount of money that will impact a business's revenue.
Tires
A few reminders
Improperly inflated tires can negatively impact gas mileage. For every psi drop in pressure, gas mileage is lowered by 0.4 percent. Properly inflated tires, on the other hand, can improve gas mileage by around 3.3%
The air filter
By Pritpal Singh
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Motor oil
The savings that a business can experience by making sure tires are properly inflated is around $0.09 per gallon per vehicle. So once again,[link widoczny dla zalogowanych], you have ten vehicles with underinflated tires and each holds 25 gallons of gasoline,[link widoczny dla zalogowanych], then that is a total savings of $22.50 in gas. Although the amount doesn't seem high,[link widoczny dla zalogowanych], keeping tires inflated can prevent premature replacement,[link widoczny dla zalogowanych], which can save money.
When an air filter is clogged, it negatively impacts a vehicle's fuel efficiency by 10%. The air filter also prevents impurities from damaging the inside of the vehicle's engine, so there are a couple of benefits to making sure a clogged air filter is replaced.
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In February 2004 Derek Eastman and I were invited as guests at the annual dinner of The Bushido Za Zen International Society by its Chairman Mr Arnold Davies Hanshi an old student of Kenshiro Abbe Sensei and a close friend of my own good friend Bill Woods Sensei.