tag:blogger.com,1999:blog-44583415360962999442024-02-18T21:25:57.910-08:00Home Loansmaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comBlogger365125tag:blogger.com,1999:blog-4458341536096299944.post-48179504225713534812012-12-03T07:02:00.002-08:002012-12-03T07:02:46.789-08:00Personal Loans For People With Bad Credit<div style="text-align: justify;">
Do you need lending options if you have bad credit since you require financial aid? Then you definitely first need to comprehend the steps that need to be taken to enable you to buy one from the bad credit loans that exist these days with assorted loan companies.<br /><br />These steps will allow you to have better potential for obtaining the loan that you'll require. Listed here are the methods you'll want to know if you want to make sure the best possibility achievable of being able to get the financial help that is needed.<br /><br />Realize your credit score as well as historical past - We all need to be aware what their credit history and history happens because this kind of affects an individual in many methods. When you have bad credit, it is a lot more imperative that you know your report.<br /><br />This will prevent you from getting surprised if you're rejected to borrow money. It will offer you an opportunity to very carefully go over the background regarding signs and symptoms of why you have poor credit.<br /><br />It can be through expenses not paid promptly, lacking a payment completely, inconsistency in your statement, and also other items that trigger a bad credit score.<br /><br />When you're conscious exactly what the score is, you'll be able to have it set so you can end up with a much better report. The greater it is possible to clean-up and enhance your rating before you apply for a financial loan, the more likely you are going to have the financial aid that you'll require.<br /><br />Study and locate the best loan company - There are so many various lenders available these days, meaning choosing the right one for you will not always be simple. Time and investigation is going to be required to help you find the lending company that can help you probably the most with your financial difficulties.<br /><br />Don't ever simply pick the initial organization identified. Rather, take time to take a look at multiple loan provider and have queries. The better it'll be to obtain the loan company that's right for you getting a <a href="http://www.diamondnationwide.com/" target="_blank">bad credit loans</a> if you take time to find out details about each loan provider.<br /><br />Apply for the credit - The next step is to try to get the credit, but only if the initial two steps are already accomplished. Try not to develop cover that you've poor credit, instead you want to tell the truth about this.<br /><br />Becoming at the start indicates much to the lending company and will assist in the chances of you getting <a href="http://www.diamondnationwide.com/Bad_Credit_Personal_Loans.html" target="_blank">personal loans for people with bad credit</a>. Becoming deceitful is one method to obtain your application refused smooth very quickly.<br /><br />With regard to acquiring loans if you have a <a href="http://www.diamondnationwide.com/Bad_Credit_Payday_Loans.html" target="_blank">payday loans bad credit</a>, fundamental essentials three methods that need to be taken. Don't just believe that tax assistance is available because of your a bad credit score; as an alternative, end up being intelligent and follow these three methods to help you get the mortgage you'll need that will help ease a few of the monetary stress.</div>
maestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-90706926700438182592012-11-14T07:47:00.000-08:002012-11-14T07:47:01.099-08:00Online Payday Loans<div style="text-align: justify;">
Online payday loans tend to be exactly what most people would use if they miss money regarding emergency and personal purposes. Payday loans online, aside from being the greatest companion during times of financial disadvantages, they are able to be also your answers to be able to mortgage or other kinds of loans you have obtained. <a href="http://301paydayloansonl.com/" target="_blank">Payday loans online</a> will help you cope along with past due repayments on home payments, car or perhaps automotive loans, or perhaps business loans. Applying for a payday loan in order to offset additional financial loans may even conserve your funds. Past due repayments with regard to mortgages can charge you late payment charges that are comparatively higher. To prevent these types of situations, you'll want to simply pay about or perhaps prior to the deadline. Yet imagine if you may not still need money on or perhaps before the day? Let's say you can't allocate money for those loans exactly before the due date arrives? Payday loans online can promise an solution for that. Online payday loans can even conserve your funds compared to normal pay day loans that you apply inside financial institutions as well as other lending traders. There are lots of online payday loans which you can acquire from most companies. It's simple to pay your own month to month amortizations promptly with payday loans online. These types of lending options may do a lot your loan data too. As a good payer regarding loans will help you raise your credit score as well, and much more there are a wide possibility you will be of course a lot more loans down the road.<br /><br /><a href="http://301paydayloansonline3.com/" target="_blank">Payday loans online</a> aren't just helpful in losing late fees for that other kinds of bank loan you presently possess. They're similarly beneficial in addressing the crisis wants. Hospital bills as well as college tuition costs could be very expensive. Capable of buy these kinds of needs can risk security as well as schooling no one would like those activities to happen right? There could be numerous remedies for these problems but imagine if they are needed critical? It is possible to use <a href="http://301paydayloans3.com/" target="_blank">payday loans online</a>. These loans will probably be your the majority of viable choice in acquiring immediate cash. All you have to at first carry out is actually choose which company you might be to apply the borrowed funds along with. Consult several pals if they can advise a good business. Don't dash really into what to furthermore safeguard your finances. See to it the cash advance online you are going to utilize with is actually the real deal. You can refer to them as very first on the phone or even e-mail and ensure their own reputation. Once you have chose to apply, simply make an application form and other second specifications and also pass these upon. Then you'll simply have to wait for the authorization and have the money transferred inside you bank account the nest day.</div>
maestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-41814311453517049582012-11-06T07:08:00.002-08:002012-11-06T07:08:34.052-08:00Take Payday Loans Easily and Broaden Your Business Coverage Immediately<div style="text-align: justify;">
To get easy <a href="http://301paydayloansonline2.com/">payday loans</a> from banks can be a magnificent thing that will be helpful to bring new atmosphere to the workplace. By getting extra money from <a href="http://301paydayloansonline.com/">payday loans</a> then it means that you can manage to make your business to grow stronger, also broaden it to the larger area coverage since when you wish to do such thing without extra money will only make you feel so devastated and sorry for the process that can't be completed because of the lack of money amount. <br /><br />You can only have it completed when you have already owned loans from bank and you can also do other necessary things regarding to this matter. By having loans that can be taken easily then you will be able to make your business becomes bigger than before and gets more income too. You should just start to look for banks that allow you to take loans easily without have to get some hard to be filled requirements such as the ones that should be completed when you have banks which ask for many requirements to fulfill before allowing loans to be taken. Make move now! Look for good place to take <a href="http://301paydayloansonl2.com/">payday loans</a> so that you can get your extra money faster and easier. </div>
maestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-25938263974702949822012-03-04T04:51:00.001-08:002012-03-04T04:51:16.131-08:00Getting Manufactured Home Loans<b></b><br />
<b>When you consider how big of a purchase a new manufactured home is shopping for a mortgage is probably the most important part of the transaction. While many people think that their local bank is the best route to getting such a loan there are other avenues that in many cases can garner a better deal.</b><br />
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Starting the home buying process can be a stressful time, particularly on the financial end. This is why it is so important to look at as many options as possible and choose the one that works best. There are several things you need to consider when it comes to getting manufactured home loans.<br />
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<h2>Home Loans</h2><br />
First you need to have as many options as possible to make an informed decision. Now you can go down to the local bank and go that route but it limits the possibilities of getting a better deal. This does not mean that your local bank will not give you the best deal but you will never know if you have nothing to compare their terms to.<br />
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The best place to get multiple quotes is the internet. Most major lenders have a web presence and can offer you a wide range of financial options that will fit your particular home buying needs. Because they have a lower overhead compared to a brick and mortar bank internet lenders can in many cases offer lower interest rates, better payment terms and lower closing costs. All of these costs can add up so it makes sense to save as much up front as you can.<br />
For an even more streamlined process consider using one of the many internet services that only require one application to return multiple quotes from different lenders. In most cases these services query multiple mortgage lenders and return the four best terms for your needs. This gives you the advantage of comparing quotes and choosing the one that works best for your financial needs.<br />
Another online tool that can come in handy is a mortgage calculator. These are available for free use on nearly every lenders and banks website. Using one of these free tools you can plug in the numbers from the various quotes you have received and further break them down for comparison purposes. These loan calculators require no personal information from you so you don't have to worry about someone contacting you unsolicited.<br />
Getting manufactured home loans quoted online can be not only a time saving device it can also provide you with the information you need to make an informed financial decision.<br />
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Getting Manufactured Home Loansmaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-90143404576822886382012-03-04T04:51:00.000-08:002012-03-04T04:51:06.757-08:00Home Loans For People After a Foreclosure With Bad Credit<b></b><br />
<b>Are you looking for home loans for people after a foreclosure with bad credit? Can you actually get a home loan when you have just had a foreclosure? This helpful guide is going to help you find out. When you have a foreclosure, it's natural that your credit score goes lower and you have a bad credit history now. But is there still any way to get a new home loan to buy a house? The good news is, yes. It is possible for you to get your loan even after a foreclosure with bad credit. You just need to know how.</b><br />
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If you go to normal lenders, the first thing they always do is checking your credit history. When seeing the recent foreclosure listed there, almost all of them are going to reject your loan application. Maybe you have tried going from one lender to another already, so you know how it feels to have them saying you can't qualify for the loan.<br />
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<h2>Home Finance</h2><br />
But the secret is applying for a special type of loan called bad credit loans. The lenders who offer this loan understand your situation and are willing to help you - no matter what your credit history is or even if you have had a foreclosure recently.<br />
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Bad Credit Home Loans - A Win-Win Situation This type of loan is a win-win situation for both you and lender. You get to buy the dream home you have found without the need to pay all the huge amount in cash upfront. Also the lender makes more profits by asking for a higher interest rate. So in return, they lend you the home loan you want to get your dream home. Another important benefit for you when getting your loan is you can help reset your credit history to a good level.<br />
It is a very valuable result because next time you want to get a loan for anything, you can enjoy low interest rates because of your new good credit. And the good news is, even though now you may be agreeing to a slightly higher interest rate for your home loan, there is an easy way to change it later...Refinancing Your Home - Easy Way to Get Better Rates Later After a few months of paying your home loan, your credit will gradually come back to a good position. Now you can get your new loans with a lower interest rate and save money.<br />
So how does it help your previous home loan which you are already paying back with high interest rates? You simply get a new refinance loan with lower interest rates and pay back your current loan with that money. It is very easy and smart and many people are doing it these days.<br />
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Home Loans For People After a Foreclosure With Bad Creditmaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-91508029554872394152012-03-04T04:50:00.002-08:002012-03-04T04:50:57.640-08:00Home Loans - Fixed Or Variable Rate?<b></b><br />
<b>Everyone wants to get the house of their dreams, but again almost all of us have to face the difficult decision of choosing a home loan lender, ok rich people do not need to choose but sometimes luxury houses have mortgages over them too. However, this article is intended to analyze the different kind of home loans you can get; as a borrower you need to decide what kind of interest you are going for, a fixed or variable rate? Or a combination of both, there are advantages and disadvantages, let review some simple definitions:</b><br />
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Fixed Rate Home Loans<br />
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<h2>Home Loans</h2><br />
Fixed rate home loans are very simple in their structure, this kind of loan offers to the borrower the advantage of planning his - her finance, because of fixed monthly payments. However, you should consider that this kind of loans are not short term loans, so it is difficult - impossible - to know the market conditions 15 years in advance, for example. It could be healthy, it could be the opposite, then the borrower do not enjoy the benefits and do not suffer the consequences of local or world wide economic changes. If you consider this as peace of mind, then this is for you.<br />
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Variable Rate Mortgages<br />
When you got a variable rate mortgage, that means that the interest rate change according to the conditions of the market and it is affected with any treasury bond rate change, borrowers in this case enjoy or suffer lower or higher interest rates, these rates are changing permanently during the loan duration time.<br />
Mixed Version<br />
Then you have the option of start with a fixed interest rate during a certain period of time, and after that apply a variable interest rate according to the market conditions at that time, this kind of home loans try to get the best of the 2 systems listed above.<br />
Final Words<br />
People trying to get a home loan need to analyze thoroughly every aspect before making a decision, we are not talking about small investments here, so consider the pros, the cons and do what is better for you and your family.<br />
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Home Loans - Fixed Or Variable Rate?maestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-37545333526616954382012-03-04T04:50:00.001-08:002012-03-04T04:50:47.731-08:00Home Equity Loan Online - Get Finance Online Through Home Value<b></b><br />
<b>Home equity loan online is a loan which you can avail be pledging the equity on your home as collateral. Home equity is the market value of your home free from any mortgage claim or any other obligation on it. For instance, the actual cost of your home is £170000 and there is a mortgage claim of £70000 on it, then the equity on your home is £100000. By offering this value against the loan, you will be able to borrow substantial amounts of money at reasonable repayment terms.</b><br />
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Home equity loan online can be used for a variety of purposes. You can take one to fund your debt consolidation, home improvement, and medical or education fees, wedding and holiday expenses and a whole lot of other ventures. Home equity loan online can be availed under two options:<br />
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<h2>Home Finance</h2><br />
1. Closed home equity loan online - If you want to borrow your money as a lump sum, then you can choose this option. Interest rate will be calculated on the total amount that you are borrowing.<br />
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2. Home equity line of credit (HELOC) - When you don't want to take out the loan amount at one go, you can opt for HELOC. From an agreed sum, you can withdraw the desired amount when you need it. Interest rate is calculated on the individual withdrawn amounts.<br />
Home equity loan online lends money based on a percentage of equity of your home. Most lenders offer up to 100% of the equity. Generally, loan amounts into the range of £3000 and £100000. Repayment tenure for these loans tends to be long and may be extended for a period up to 30 years.<br />
Home equity loan online provides valuable service at low interest rates. The best thing about them is that they are available online. You don't have to run around town in search of the perfect loan. Online lenders provide free loan quotes and non-obligatory application. So, you will be able to compare a variety of offers at your home.<br />
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Home Equity Loan Online - Get Finance Online Through Home Valuemaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-55034180214006209892012-03-04T04:50:00.000-08:002012-03-04T04:50:35.406-08:00Home Equity Loans - Things To Consider<b></b><br />
<b>Homeowners need to be careful when taking out a home equity loan. It is a good idea to know the value of your home's equity before taking out such a loan or you might wind up paying back more than your home is worth. Equity is the amount your home is currently worth after subtracting the amount still owed and taking into account the increase or decrease based on current market value. For example, if you purchased your home several years ago for a price of 0,000, then your home should be worth much more than that today due to the rise in market value.</b><br />
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Some homeowners want to take out home equity loans in order to carry out home improvement projects because they believe that modernizing their home will increase its value. It is important to know however, that market equity rates are already factored into the current value of your home. Home improvements are usually a good thing, but if it is not really needed, it could cause you to go deeper in debt. You could take out a personal loan instead of a home equity loan so your home equity is not affected, but you still have to pay back the loan with interest, so it could have a detrimental effect on your personal finances to do the home improvement if you are not certain it will actually raise the market value of your home.<br />
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<h2>Home Loan</h2><br />
If you do decide to take out a home equity loan for a home improvement project, just realize that it is just like taking out a new mortgage. You must pay closing costs, fees, capital and interest on the loan. This is true for any home equity loan that you take out regardless of the reason. That is why it is very important to think things through and make sure an equity loan against your home is the wisest choice for your situation.<br />
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Consider also what might happen if you are unable to repay your loan because of illness or if you lose your job. In that case, if you have taken out a home equity loan, you risk losing your home. Laws vary by state so you should understand the laws where you live. It might be safer for you to protect your home and take out a different type of loan if you have a choice. A home equity loan could be the answer to your financial woes or it could be a financial disaster for you. That is why it is very important to carefully think things through before you act. Seek advice from a financial counselor if you need help making a responsible decision.<br />
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Home Equity Loans - Things To Considermaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-43947760086655764732012-02-04T23:10:00.000-08:002012-03-04T04:36:58.730-08:00The Essential Pre requisites of Home Loan Modification<p style="font-family: arial;"><span style="font-size:100%;">Many homeowners find it difficult to remain consistent with their home mortgage loan. Therefore, it becomes essential to know about home loan modification requirements. Are you in doubt over the home loan modification requirement and the process involved in it? Do you have slightest idea how will you qualify for the loan modification? It seems to be confusing and all hard work if you do not have the relevant information whether you will be qualifying for the loan modification or not. Most of the homeowners fall short of securing the loan modification plan simply for the very reason either they are not informed or they are half informed.</span></p> <p style="font-family: arial;"><span style="font-size:100%;">Ask any successful homeowner who had made to the loan modification plan. Possibly, such homeowners will try to help you out to understand the requirements and pre requisites contained under the modification process. You just don't have to wait for the servicer to come to your rescue. As an SOS call, you should get started if you find that you are sailing in troubled waters. Start doing your bit of hard work if you find that it is extremely difficult to pay the monthly mortgage payments. Alternatively, you can also check with the hardship department of your mortgage bank who will help you in filling the loan application and provide you with the guidelines so that you qualify for the mortgage modification. You can also effectively use loan mod software program.</span></p> <p style="font-family: arial;"><span style="font-size:100%;">Get ready to know about all the requirements of loan modification process as the result of which you will be able to make the mortgage on you home affordable. The more you study about terms and conditions of the loan modification, better it becomes. Do not be in a hurry to fill the loan application with the mortgage lender as this might not prove beneficial for you in the later stage. Show patience and analyze your financial situation with the terms mentioned in the loan modification plan.</span></p> <p style="font-family: arial;"><span style="font-size:100%;">Loan modification plan has helped many homeowners to make easy on their home mortgage ,and with you sailing in troubled waters, there's a lot that loan modification plan can do for you, if you become eligible under it. Make sure that you do not delay and discuss about all the loan modification rope requisites with an experienced lender so that you can ease the process altogether. Home loan modification is for homeowners who are completely drowned in loan mortgage and are finding no way out to repay the loan amount easily. The modification process can be sought if the homeowner remains informed about the procedures, and terms and conditions. Applying for a home loan modification is not easy as for homeowners have to undergoes many process which lead to troubles that have not permitted many from either finding an easy route to a trial or permanent modification, or in some cases, homeowners have been denied assistance altogether and have had to reenter the program to go through the process once more.</span></p>maestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-28772104939145436172011-10-14T01:51:00.000-07:002012-03-04T04:36:58.749-08:00Dallas Home LoanYour regular monthly mortgage payment is commonly pretty a bit less than you would pay for a fixed fee mortgage loan, and this is the attraction of the ARM. Having said that, that low payment only lasts through a predetermined grace period. After that grace period of time is up, then the monthly payment increases, or balloons, upward. Unscrupulous loan providers enticed persons to jump into these sorts of mortgages with out the good sum of income to cover the enhanced payments, and this is an individual explanation why people today who secured adjustable pace mortgages outside of their finances are heading into foreclosure all over the place. ARMs can be a superior selection if you are going to offer the house extremely shortly, commonly in two to five ages, mainly because if you sell the house previous to the payment will increase you can shell out minimal month-to-month home loan payments. Your Dallas mortgage loan broker can advise you on this kind of property loan.<br />The Dallas mortgage loan broker of your preference will be able to present you quite a few selections in terms of fixed rate mortgages.<br />The benefit of the fixed fee is that you will have a constant payment volume for the lifestyle of the mortgage. You can budget for it, and know that it will not increase at some later on date. Your Dallas home loan broker will demonstrate you all the options in phrases of the length of the mortgage loan, and the interest prices charged, so that you will come across the most effective mortgage loan to meet your monetary requirements. The advantage that a Dallas mortgage broker brings you is the plethora of loans on the current market. For the reason that they are not tied to one distinct insurer, but are allowed by legislation to signify quite a few, you can be convinced of receiving the greatest offer for your certain situation.<br /> <br />If you are a to begin with time household buyer, you may perhaps need to have some assistance going by the house loan approach to acquire some Dallas serious estate.<br />You need to take into account receiving a Dallas true estate agent to tutorial you by way of the approach of buying your new dwelling. A beneficial Dallas authentic estate agent can really help you by means of the practice of applying for a home loan, acquiring a residence mortgage and obtaining a new dwelling.<br />There are a handful of points you can do on your individual to make it much easier to get a household home loan to obtain Dallas serious estate. The initial point that you will need to do when you are pondering about gaining a home loan is pay down your debt.<br />When seeking to invest in Dallas serious estate, the far more credit card debt that you can shell out off the better off you will be. The first thing a lender will do is operate your credit score report when you use for a home loan. The lower your debt to revenue ratio is, the better you will look to a loan company. For that reason, you will get hold of the greatest attainable curiosity fee and closing charges. This will give you far more choice to obtaining bigger and improved residences.<br />Having to pay down credit card debt can be challenging while making an attempt to conserve for the down payment on a household, but there are methods that you can shell out your financial debt down although conserving money for a down payment on some Dallas actual estate.maestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-18738712329572967152011-10-14T01:36:00.000-07:002012-03-04T04:36:58.771-08:00Easy Home Loans<p>These days its fact that its not hard to get home loans. Either its home equity loan or its mortgage loan and availability of <em>easy home equity loans</em> is in full bloom. These loans are uncomplicated, tenable, easily available, very flexible and tailor-made for homeowners. The best part about all this is that almost every loan lending or financial institution offers them.</p><br /><br /><p>Most home buyers have to borrow money in order to purchase their home. Few have enough money sitting in the bank, or in other easily saleable assets, to pay the entire cost of the home at once. (Even those few who do have enough money usually find it financially advantageous – perhaps for extra tax relief -- to borrow some of the money.) The home loans they receive is called a mortgage. Generally, a mortgage is a loan of money to the home owner secured by a "lien" on the real estate.<br /></p><p>Own house is the dream of every person. For a middle class person, it is considered as a life time achievement as it requires quite a huge amount of money. Banks play a pivotal role in fulfilling this basic need. The products they offer and the services they provide are of immense use to people who intend to have their own house. For a safe and beneficial home loan, proper awareness over the products, policies, terms and conditions of the bank is most important as ignorance may result in more payments to the bank in terms of principal and interest components.</p><br /><p><br />A mortgage is a security document that allows the borrower to keep title of the property while using the property as security or collateral for a loan. The lender then places a lien on the property in the event the owner does not pay the agreed payment. When the borrower pays off the loan, the lender gives the borrower a satisfaction of mortgage that removes the lien from the property. About half the states in the U.S. use mortgage foreclosure as the means of satisfying the loan balance.<br /><br />Mortgage allows investors to pool money in a trust to lend to individuals and companies. They secure their borrowing by a mortgage over residential or commercial properties. The trust collects the interest paid on these loans and then distributes the interest, less charges, as income to investors.<br /><br />Borrowers should bear in mind that there are two different kinds of mortgage points-discount points and origination points-and that lenders do not all charge the same amount for these different types of points. Discount points refer to an amount of money paid to a lender to obtain a loan at a specific interest rate. These points are like pre-paid interest on a loan that a borrower takes out for a new home, with each point equalling to 1% of the total principal amount of the loan. Origination points are used to pay for the costs of obtaining the loan in the first place. They are much less popular than discount points, as they do not provide borrowers with any valuable benefits and are not tax deductible. Borrowers are therefore better off trying to get a loan that does not require them to acquire these kinds of points.</p><p>Credit by : <span class="name"></span>Webmaster Home</p>maestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-51325472604209060982011-09-21T22:03:00.001-07:002011-09-21T22:03:30.153-07:00hellohelloAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-46662958627402989242011-06-11T04:50:00.000-07:002012-03-04T04:36:58.787-08:00Tips for Financial Planning<strong><p>The following tips will help get you in gear to start your financial planning. Once you have made financial planning part of your routine, it won't seem so difficult. But getting your financial planning started can be the most difficult thing. These tips will help motivate you to make financial planning one of your main goals.</p></strong><br /> <div style="float: left;"><br /></div><br /><br /><p>Financial Planning Tip #1 Pay off Debt</p><br /><h2>Home Finance</h2><br /><p>One of the biggest factors fighting against financial planning is debt, especially credit card debt. If something starts off as a small debt it turns into a big one simply because you were not paying off the debt. Financial planning means you have a plan and paying off debt should be the first goal of your plan.</p><br /><p>Financial Planning Tip #2 Invest</p><p>Another financial planning tip is to invest. Financial planning means you are saving for the future in many cases, so you will want to take money you earn today and invest in the stock market, in bonds, IRAs, 4019k) or a mixture of all of the above. Saving your money with the help of financial planning will help money grow all on its own.</p><p>Financial Planning Tip #3 Spend Less than You Earn</p><p>This is tough for people to understand and often times what they resist most when they begin financial planning. This is because Americans always want what is bigger and better. Regardless, financial planning is more important than consumerism. Make spending less than you earn part of your financial planning.</p><p>Financial Planning Tip #4 Budget</p><p>A great financial planning tip is budgeting. You won't be able to save unless you know what you spend. Make budgeting part of your financial planning and you will realize saving is not so hard.</p><br /> Tips for Financial Planning<br /><p></p>maestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-78107390703305421762011-06-09T04:21:00.000-07:002012-03-04T04:36:58.811-08:00Tax on Short Sale, Loan Modification and Foreclosure - Recourse vs Non-Recourse MortgagesTax on Short Sale, Loan Modification and Foreclosure - Recourse vs Non-Recourse Mortgages Tube. Duration : 5.32 Mins.<br /><div align="center"><br /><object width="425" height="350"><param name="movie" value="http://www.youtube.com/v/6OiLZa8op3Q&hl=en&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/6OiLZa8op3Q&hl=en&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="350"></embed></object><br /><br/><br/><br />realestatemarketingthisweek.com - Arizona is not a recourse state, so chances are you will not owe 1099 C Income - Part 6 - In Arizona, typically its not a recourse state, so if they are telling you that theyre going to garnish your wages because you didnt pay back your entire mortgage, there is a local bank ,that was threatening a very good colleague of ours about a small second mortgage that person had taken out. Threatening to send it to collections and garnish her wages. It simply isn't going to happen. But nevertheless, there is still the tax implications that apply, if you need to navigate through this maze. There is a lot to it, you need to protect yourself. You talked about bankruptcy is one of those exclusions, right? One of the problems with bankruptcy is people dont understand the bankruptcy laws. They are so tight now and your feet are really held to the fire from the federal government right now. It's not like you just didn't make your mortgage payment, so you go file bankruptcy, it's just not realistic. Assuming bankruptcy is the last resort option for everybody. And we certainly want to avoid that, it would not be sound financial advice from any credible source that I can think of. Let's walk through a case scenario, somebody who is listening to this broadcast, their head is spinning right now, they're thinking, oh my gosh. I should have known about the tax implications, a short sale versus loan modification. Let's start at the top and work through a quick <b>...</b><br /></div><br /><br/><br />Tags: tax, taxes, on, loan modification, short sale, loan, modification, short, sale, foreclosure, 1099c, cancellation of debt, income, loss mitigation, mortgage, real estate, recourse, mortgage forgiveness, debt relief act, IRS, expert, advice, CPA, bankruptcy, insolvency, government, attorney, bank, lender, home, bailoutmaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-79607840128328210672011-06-08T04:17:00.000-07:002012-03-04T04:36:58.886-08:00A Bad Credit Home Mortgage Refinance Loan Can Help Your FamilyA Bad Credit Home Mortgage Refinance Loan Can Help Your Family Video Clips. Duration : 5.42 Mins.<br /><div align="center"><br /><object width="425" height="350"><param name="movie" value="http://www.youtube.com/v/hB0TfFl4Isg&hl=en&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/hB0TfFl4Isg&hl=en&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="350"></embed></object><br /><br/><br/><br />Should you use the equity in your house as collateral to acquire the financing you so crucially need? We can help you get that bad credit mortgage refinance that you are looking for!<br /></div><br /><br/><br />Keywords: bad, credit, mortgage, refinance, refinancing, home, loan, refimaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-87820563679934458322011-06-07T02:07:00.000-07:002012-03-04T04:36:58.928-08:00Aryavart Gramin bank, financing solar PV in India - Ashden Award winnerAryavart Gramin bank, financing solar PV in India - Ashden Award winner Video Clips. Duration : 4.38 Mins.<br /><div align="center"><br /><object width="425" height="350"><param name="movie" value="http://www.youtube.com/v/0VHsPlcT2f4&hl=en&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/0VHsPlcT2f4&hl=en&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="350"></embed></object><br /><br/><br/><br />This video can be downloaded here: www.ashdenawards.org The Aryavart Gramin bank won an Ashden Award for Sustainable Energy in 2008. To find out more visit the link above and check out the Ashden Awards Blog ashdenawards.blogspot.com The Aryavart Gramin bank in Uttar Pradesh used solar photovoltaic (PV) systems to back-up the unreliable grid power for some of its branches, and recognised the potential of PV for its many off-grid customers. The bank set up a bulk supply and installation agreement with TATA-BP for PV solar-home-systems, and provides loans for its customers with a good credit record to purchase the systems. To date 10100 loans have been approved and 8000 solar-home-systems installed. Local entrepreneurs are paid by the bank to service and maintain systems. The Aryavart Gramin bank has a target of 25000 solar-home-systems this year, and is promoting the idea of its SHS loan scheme to other rural banks.<br /></div><br /><br/><br />Tags: India, Aryavart, Gramin, bank, solar, power, pv, ashden, awards, renewable, sustainable, energymaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-26630525556646776532011-06-06T01:14:00.000-07:002012-03-04T04:36:58.952-08:00Home Repair Loans - Secrets Your Banker Won't Tell You<strong><p>Maintaining a home can be a costly venture and most home owners don't have loose cash sitting in a checking account to utilize for repairs and home improvements. So most American home owners tend to borrow to complete this venture.</p></strong><br /> <div style="float: left;"><br /></div><br /><br /><p>But please be aware, there are things that your loan officer won't tell you about that home repair loan that you are getting. So before you get a new mortgage loan to pay for major home fix-ups, ensure that you follow a specific guide to get money:</p><br /><h2>Home Loans</h2><br /><p>First make sure that you pay as little interest on this loan as possible, so make sure you shop around, YOU DON'T NEED TO REFINANCE YOUR MORTGAGE. You should also try to get a tax-deduction for what you do pay for this mortgage loan and don't end up sacrificing your financial health and well being. Not doing this is the first step of placing yourself in the poor house.</p><br /><p>Secondly ensure that you take into account all the variables when applying for that loan:</p><p>Where can you get the best financing?</p><p>How will the monthly payments affect your budget?</p><p>How much equity do you have in your home?</p><p>What is the nature of your home improvement project</p><p>How long it will take you to repay the debt?</p><p>These are key questions that should point you in the right direction. You must find the best loan option. But even then you must make sure that this does not cause your budget to collapse. If it does then you will be in serious problems with respect to the monthly payment. Having less than twenty percent (20%) of market value in equity in your home is a clear signal to wait. This means that in one felt swoop you can move from happy owner to foreclosed properties if the financial institution that you borrowed from goes belly up.</p><p>With respect to the nature of the project and the term life of the loan here are just a few questions you MUST ask yourself before taking on that loan.</p><p>1. How much does the home repair project cost? To calculate this you use the contractors bid amount and subsequently add 10% to 20% for potential cost overruns.</p><p>2. Will you be able to afford this? If you cannot easily afford the monthly payments on the loan, you are 'courting trouble' by even thinking about a home equity loan or credit line. As mentioned earlier but if you have less than 20% equity value in your home you will be forced to pay higher interest rates and you won't have any backup for emergencies.</p><p>3. Examine your other financial obligations? Your financial bases should be covered i.e you should be saving enough cash for retirement, to clear all existing credit card debt and at least ninety days living expenses saved in an emergency fund.</p><p>4. Finally will the project add value to your home? Some home repairs just don't add enough value, especially maintenance repairs. Many American home improvements add some monetary value, and normally you will not recover 50% to 75% of what you spend in added value. So the less value you're adding to your property the longer you should consider waiting until you can pay cash, instead of taking a home repair loan.</p><br /> Home Repair Loans - Secrets Your Banker Won't Tell You<br /><p></p>maestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-68068445269716225182011-06-05T01:11:00.000-07:002012-03-04T04:36:58.972-08:007.9 million jobs lost, many forever7.9 million jobs lost, many forever Video Clips. Duration : 5.87 Mins.<br /><div align="center"><br /><object width="425" height="350"><param name="movie" value="http://www.youtube.com/v/ij2VymJNk2g&hl=en&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/ij2VymJNk2g&hl=en&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="350"></embed></object><br /><br/><br/><br />inflation.us Sign Up Today 7.9 million jobs lost, many forever finance.yahoo.com The recession killed off 7.9 million jobs. It's increasingly likely that many will never come back. The government jobs report issued Friday shows that businesses have slowed their pace of hiring to a relative trickle. "The job losses during the Great Recession were so off the chart, that even though we've gained about 600000 private sector jobs back, we've got nearly 8 million jobs to go," said Lakshman Achuthan, managing director of Economic Cycle Research Institute. Excluding temporary Census workers, the economy has added fewer than 100000 jobs a month this year -- a much faster and stronger jobs recovery than occurred following the last two recessions in 2001 and 1991. But even if that pace of hiring were to double immediately, it would take until 2013 to recapture the lost jobs. And the labor market very likely doesn't have years before it gets hit with the shock of the inevitable next economic downturn. "It's virtually certain that the next recession will come before the job market has healed from the last recession," said Achuthan. (Read 'Stimulus: The big bang is over') Stimulus: The big bang is over money.cnn.com NEW YORK (CNNMoney.com) -- The job market and economy need a serious jumpstart, but the stimulus program likely won't be able to do it. This summer will be the peak of the 7 billion stimulus program in terms of creating jobs and pumping money into the economy. In fact <b>...</b><br /></div><br /><br/><br />Keywords: unemployment, recession, california, homeless, united, states, jobs, inflation, alex, jones, conspiracy, dollar, fox, news, gerald, celente, glenn, beck, gold, health, care, jim, rogers, peter, schiff, obama, ron, paul, silver, fight, fighting, fights, home, homes, house, realty, real, estate, ufc, violence, sexmaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-88742578507224436602011-06-04T01:07:00.000-07:002012-03-04T04:36:59.073-08:00VA IRRL refinanceVA IRRL refinance Tube. Duration : 4.73 Mins.<br /><div align="center"><br /><object width="425" height="350"><param name="movie" value="http://www.youtube.com/v/8CK099Gs5Wg&hl=en&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/8CK099Gs5Wg&hl=en&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="350"></embed></object><br /><br/><br/><br />Explanation of the VA Interest Rate Reduction Loan (IRRL) available for VA loan holders. This is a fantastic relatively inexpensive mortgage refinance option for Veterans. Watch this video for detail. Brought to you by Superior Home Loans next to Ciao Bella Pizza in Bluewater Bay, Niceville, Florida!<br /></div><br /><br/><br />Tags: VA IRRL, VA Refinancemaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-69519494681659935942011-06-03T01:06:00.000-07:002012-03-04T04:36:59.184-08:00New York City, Lower East Side of Manhattan Video Tour - Part 1New York City, Lower East Side of Manhattan Video Tour - Part 1 Video Clips. Duration : 5.98 Mins.<br /><div align="center"><br /><object width="425" height="350"><param name="movie" value="http://www.youtube.com/v/QHA_hz0tqBU&hl=en&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/QHA_hz0tqBU&hl=en&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="350"></embed></object><br /><br/><br/><br />David Hill with New York Habitat is proud to present a new video tour of New York neighborhoods. Discover one of New York City's hip and historical neighborhoods, called the Lower East Side. Watch other video tours of other great areas of NYC, such as the East Village www.youtube.com or Chinatown www.youtube.com The name, Lower East Side, pretty much tells you that this neighborhood is located in the south-eastern part of Manhattan. It's roughly located between Houston Street to the north, the East River on the east, Canal Street to the south, and Bowery to the west. Keep in mind that the boundaries of this neighborhood are not exactly defined because this area is in constant change and renewal and often it's hard to tell exactly where the Lower East side ends and where the adjacent neighborhoods start. Brief History The Lower East Side, also called LES by the locals, is one of the oldest neighborhoods in Manhattan. During the second half of the nineteenth century it was predominantly occupied by working class immigrants who arrived in New York and settled here in the many tenement buildings. It is a culturally diverse area formed by many different ethnic groups of the world who have been immigrating to New York over the centuries. Tenement Museum: Located on Orchard Street, the Tenement Museum is a 5-story tenement building where thousands of immigrants from 20 different nations lived between the mid-1800 to the early 1900s. You can take a daily tour offered by the <b>...</b><br /></div><br /><br/><br />Tags: new, york, city, nyc, manhattan, video, tour, lower, east, side, LES, furnished, apartment, vacation, rental, accommodation, Habitat, ny, Houston, Street, Tenement, Museum, Katz's, Delicatessen, Bialystoker, Synagogue, Angel, Orensanz, Center, Eldrigemaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-43177129744997818212011-06-02T01:04:00.000-07:002012-03-04T04:36:59.289-08:00Vision Bank Home Loan WordsVision Bank Home Loan Words Tube. Duration : 0.23 Mins.<br /><div align="center"><br /><object width="425" height="350"><param name="movie" value="http://www.youtube.com/v/HM4h5ql5pRg&hl=en&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/HM4h5ql5pRg&hl=en&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="350"></embed></object><br /><br/><br/><br />Here are a few reasons why our customers choose Vision Bank for their home loan. Member FDIC & Equal Housing Lender<br /></div><br /><br/><br />Tags: credit, housing, home, loan, second mortgage, mortgage, refinance, buildingmaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-77924950971148743502011-06-01T01:03:00.000-07:002012-03-04T04:36:59.425-08:00Bailout 13: Does the bailout have a chance of working?Bailout 13: Does the bailout have a chance of working? Video Clips. Duration : 10.98 Mins.<br /><div align="center"><br /><object width="425" height="350"><param name="movie" value="http://www.youtube.com/v/R528WbVdC0I&hl=en&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/R528WbVdC0I&hl=en&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="350"></embed></object><br /><br/><br/><br />Can the bailout work?<br /></div><br /><br/><br />Tags: bailout, 700, billion, paulson, bernanke, fedmaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-28515796485952427742011-05-30T00:46:00.000-07:002012-03-04T04:36:59.621-08:00Gucci Mane - All About That Money (exclusive) The State vs. Radric DavisGucci Mane - All About That Money (exclusive) The State vs. Radric Davis Video Clips. Duration : 3.82 Mins.<br /><div align="center"><br /><object width="425" height="350"><param name="movie" value="http://www.youtube.com/v/DqyL7nX23o8&hl=en&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/DqyL7nX23o8&hl=en&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="350"></embed></object><br /><br/><br/><br />Gucci Mane - All About That Money (exclusive) The State vs. Radric Davis *Copyright remains to its original owners. No infringment intended<br /></div><br /><br/><br />Tags: Gucci, Mane, All, About, That, Money, (exclusive), The, State, vs., Radric, Davismaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-2659216218661282812011-05-29T00:45:00.000-07:002012-03-04T04:36:59.720-08:00How to Stop Credit Card Debt w/o Consolidation!How to Stop Credit Card Debt w/o Consolidation! Video Clips. Duration : 4.22 Mins.<br /><div align="center"><br /><object width="425" height="350"><param name="movie" value="http://www.youtube.com/v/6tqikicm3kc&hl=en&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/6tqikicm3kc&hl=en&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="350"></embed></object><br /><br/><br/><br />debtrelief911.com - Get Rid of Credit Card Debt Now! Learn How to Eliminate Your Credit Card Debts in 90 Days Without Debt Consolidation or Bankruptcy!<br /></div><br /><br/><br />Keywords: bad, bankruptcy, card, cards, consolidation, credit, debt, debts, high, interest, loans, relief, settlement, eliminationmaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.comtag:blogger.com,1999:blog-4458341536096299944.post-83661619831308192011-05-28T00:41:00.000-07:002012-03-04T04:36:59.745-08:009/11 frauds and crimes, Osama Bin Laden dead again!? - spsyed analysis9/11 frauds and crimes, Osama Bin Laden dead again!? - spsyed analysis Tube. Duration : 9.67 Mins.<br /><div align="center"><br /><object width="425" height="350"><param name="movie" value="http://www.youtube.com/v/VcFByLpXoZs&hl=en&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/VcFByLpXoZs&hl=en&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="350"></embed></object><br /><br/><br/><br />"The Power of Nightmares: The Rise of the Politics of Fear" is a three part documentary (180mins) written and produced by Adam Curtis for BBC TV UK in 2004. It is a long title for the documentary on fabricated fears for financial gains. The documentary tries to explore the origins in the 1940s and 1950s the rise of "Islamic" fundamentalism (western mass media terminology) in the Middle East; (Jewish-Christian Neoconservatism, terminology never used by western mass media) in America; parallels between two the movements, and their impact around the world. The 2004 documentary was still to be televised in the USA (2010). As always expected from western mass media outfits, the BBC gives credence to 911 lies. Billions dont expect global mass media outfits to expose those who benefit from terrorism, investigate motives, and follow the money trails. Those who live in denial will continue to dismiss their lies and fabrications as conspiracy theory! The documentary would help understand how US-UK criminal forces remain responsible for the use of, and even involvement in, endless terrorism, mass murders, genocides, racism, hate and Islamophobia around the world. With many basic factual omissions, "The Power of Nightmares" fails to show how well funded, organised and armed with nuclear weapons of mass destruction, the Jewish-Christian criminals fabricate pretexts; murder their own citizens (911); subvert Western democracies, justice and foreign policies; fool global mass media <b>...</b><br /></div><br /><br/><br />Tags: spsyed, power, of, nightmares, rise, politics, fear, neocon, fantasy, adam curtis, documentary, bbc, fundamentalism, terrorism, muslim, jewish, christians, nwo, one, world, government, fabricate, evidence, subvert, justice, democracy, foreign, policy, 911, inside, jobs, blackwater xe, orange, force, false, flag, ops, george, bush, bill, hillary, talibans, al-qaeda, pnac, phantom, foe, barack, obama, leo, strauss, al-Zawarhi, osama, usama, bin, ladenmaestr0http://www.blogger.com/profile/12116286230699398663noreply@blogger.com