The Little Voices
of Foreclosure
In a third grade classroom, a teacher prompts her kids to have compassion
on the homeless. She tells them of an upcoming project they will be participating
in at Christmas time that will provide toys for homeless children who are
just like them. Children who love to play; go to the movies; eat popcorn;
ride bicycles, and eat candy canes. One little girl gets real quiet and
lays her head on her desk as if everyone could read her mind and knew her
story. She is recently homeless due to her parents loosing their home to
foreclosure. She is staying in a shelter for the first time in her life.
She misses her own toys; her own bed; her own pretty bedspread. Her dad
lost his job this past year and they just could not keep up with the payments.
The Renter's Plight
Across the United States there is an overlooked population being impacted
by foreclosure. This population is the individual families who have been
renting property, sometimes for many years, who have no idea the property
in which they live is even facing financial difficulty. They have paid their
rent faithfully every month only to find a police officer standing at their
door holding an eviction notice they never expected. As a property owner,
or landlord, you do not want to go into foreclosure on that which other
individual families call “home”. You do not want to be part
of the renter’s plight regarding foreclosures in America.
Credit Score Myths
So what is all this fuss about the credit score? What makes up your credit
score anyways?
Re-Joining the Workforce
The reasons for going back to work vary from trying to avoid a foreclosure
of their home to just needing some extra cash to save for a rainy day. Several
factors have to be considered when a mom goes back to work. Who will watch
the kids, how much will child care be and most importantly how much money
can be made? Below you will find a few helpful tips for anyone re-joining
the workforce.
The Face of Foreclosure
The housing market in Florida has taken a hit harder than most baseballs
in the big leagues. Now days, it just about takes a big league paycheck
to keep the lenders at bay and avoid foreclosure on your most prized possession,
your home.
Don't Say the "F"
Word! How Denial Affects Foreclosure
Many times, one or more people involved would rather deny the reality of
their financial situation, which may have been how they got there in the
first place. However, denial only leads to delay, which perpetuates the
disaster and leaves you with fewer options. Your other alternative is to
be courageous enough to face reality and work through it making your outcome
much more favorable and your family much stronger. Here are a few ways denial
can affect foreclosure:
Renters Beware
According to the rental foreclosure website, over 173,474 renters have been
evicted this year due to foreclosure. Even well-intended homeowners rent
their house as a last resort to save the mortgage, but still end up foreclosing
leaving the renter in a messy situation. Here are a couple things you can
do to be ahead of the game.
Saving Money in Lean
Times
It seems as if the prices of just about everything keep going up and our
wallets and bank accounts keep getting thinner. Below you will find ways
to save on items ranging from groceries to household goods and services.
Changing Stress Into
Success
Stress, just the sound of the word can make your heart beat a little faster
and your palms slightly sweaty. Let's face it- in today's culture it almost
seems as if stress in a person's life is as natural as breathing. Stressing
over the finances, stressing over marriage and stressing over the kids are
just a few of the common things among people today whom I like to call "stress
pots- that is, those carrying a lot of stress" In the following short
paragraphs I hope to define stress and success and give a few tips to turn
your stress...
Reality
Check For Those Living Paycheck to Paycheck
[Finance:Personal-Finance] You are trying to not only keep food on the table,
but also prevent foreclosure on your home and all those annoying phone calls
from creditors and bill collectors. Well, it is time to have a reality check
and get off the living paycheck to paycheck train. By applying these tips,
financial freedom is a possibility.
Reverse Mortgages
Appeal to Elderly
[Real-Estate:Mortgage-Refinance] Avoiding foreclosure and other financial
hang-ups are just a few of the reasons reverse mortgages appeal to the elderly.
Below we will answer a few of questions about reverse mortgage.
Renters Affected
by Foreclosure
[Real-Estate:Foreclosures] The foreclosures market is no longer just affecting
home owners. Renters are also suffering the consequences of foreclosures.
A recent report by the joint Center for Housing Studies at Harvard University,
states that "renters are facing tougher competition for affordable
apartments, or they are losing their home with little warning when their
landlord faces foreclosure.
3
Steps to Take When Marriage and Finances Meet
[Finance:Personal-Finance] One would think that a healthy marriage is a
guarantee to financial success, but a few things need to be discussed when
marriage and your finances meet. Below you will find a few helpful hints
to make your marriage and your finances a happy union.
Understanding
The Foreclosure Process
[Real-Estate:Foreclosures] The entire process of foreclosure seems daunting
to most especially if you find yourself as someone needing to learn about
it in the midst of going through it. In this article you will find some
advice on understanding the foreclosure process and the steps taken by the
lender.
To Refinance Or Not
To Refinance? That Is The Question
[Real-Estate:Mortgage-Refinance] It seems as if everywhere you look the
price of something is on the rise. From taxes and gasoline to groceries
and clothing, everything seems to be costing more these days. Not to mention
if you own a home, the cost of repairs and just plain old maintenance and
upkeep can bring anyone to a state of depression.
Dodge A Foreclosure
[Real-Estate:Foreclosures] Stopping a foreclosure is like stopping cancer,
the sooner you catch it the better your chances for survival. The following
article will give you some advice on stopping the foreclosure before it's
too late.
Life After Foreclosure
[Real-Estate:Foreclosures] Losing your home to foreclosure is likely to
be at the bottom of a homeowner's wish list. Just the sound of the word
"foreclosure" has a negative connotation; however, your life doesn't
have to reflect that negativity if that is the path you have found yourself
traveling.
How To Prevent A Foreclosure
[Real-Estate:Foreclosures] Foreclosure is a financial nightmare that many
people are facing today. The economy, poor planning, job loss, divorce,
and a host of other reasons have contributed to the rising foreclosure market.
If you find yourself dealing with the possibility of a foreclosure, there
is help out there.
When Foreclosure
Hits At YOUR Home
[Real-Estate:Foreclosures] What will everyone think? Where will we live
next? Will I ever own another home? What do I have to look forward to? These,
among many others, are questions people face when foreclosure hits their
home.
