Dressing Rich

 Fragrance  Comments Off on Dressing Rich
Mar 252021
 

Look for quality:

You don’t have to break the bank to buy quality garments. Just look for items within your price range that have excellent cuts and classic colors. Tip: when looking to buy a quality coat, make sure the inner lining is well constructed- if this finishing element is well made, you can rest assured that the rest of the garment is too.

Avoid looking like a fashion victim:

One crucial element to dressing chic is to avoid looking like a walking billboard. More than one initial display of a designer name in one outfit makes you a fashion victim. Prominently displayed logos- real or knock-off, look cheesy and cheap. If you want to emulate a celebrity, think Gwyneth Paltrow, not Paris Hilton.

Pay attention to details:

Looking chic doesn’t have to be really expensive. Cheaper fabrics look more expensive if they are ironed. Change a cheap cardigan by replacing ugly plastic buttons with mother-of- pearl ones. Dressing chic is all about focusing on the details that make a garment stand out.

Pick clothes that flatter:

Chic clothes never bunch, hang, sag, or constrict your breathing. They should graze over your silhouette, highlighting and enhancing your figure. If it doesn’t flatter your figure, leave it on the rack. If it doesn’t fit well, it will NEVER look good.

Focus on fabrics:

There are lots of options for beautiful fabrics, even if you are on a budget. Rule of thumb: stick with fibers that can be found in nature. With proper maintenance they will keep their shape and wear beautifully. Keep an eye out for sales to get great deals on cashmere sweaters, and gorgeous silk tops for evening looks.

Update your shoe wardrobe:

A great pair of shoes really finishes an outfit, so make sure you appropriate footwear. A pair of black pumps is a staple that you can’t live without- they work great with a suit for work or with dark denim and a sparkly top for evening. Some other great shoes to invest in: a pair of classic boots, an open toed pump, and flirty flats. A great pair of strappy sandals for evening, and a stack- heeled boot for walking in should round out your shoe wardrobe.

Invest in classic pieces:

If you are going to hand over your hard earned dollars for an expensive designer piece, make sure it’s a classic that will transcend trends and last more than one season. Think Manolo Blahnik, Chanel, Ferragamo for shoes, Louis Vuitton, and Hermes for bags; Dior shades.

It’s all about the attitude:

Whether your outfit cost 100 dollars or 1,000 dollars, the trick to looking you spent a fortune is all in how you wear those duds. Focus on good taste, confidence, elegance, and maintain an air of mystery, and no matter what you wear, you will always have what the French call a certain, je ne sais quois.

You Can’t Steal In Slow Motion-Real Estate Deals Wait For No One

 Fragrance  Comments Off on You Can’t Steal In Slow Motion-Real Estate Deals Wait For No One
Mar 242021
 

Charlene and her daughter Tanya wanted more out of life than their small two bedroom one-bath apartment could provide. Tanya had been begging for a cocker spaniel puppy for two years now. Apartment rules would not allow a dog. The laundry facilities were downstairs and at the far end of the building. Laundry tended to back up until the weekends when at an odd hour, in order to schedule an uninterrupted couple of hours as to avoid the rush on the washer and dryers. Many times the dollar changer was out of change. So upon leaving work, Charlene would need to make a special trip to the bank to load up on quarters. She had her paycheck direct deposited so this was a real pain. Anyway, with thin walls sleep was a real luxury and many a night, in spite of complaints to management, she got little sleep. Last week, someone had broken into her car by breaking her window and stole her radio. How no one had seen or heard the commotion was amazing. The police theorized that the thief must have wrapped something around the striking tool to blunt the sound. Insurance only covered a part of the loss. The apartment scene was really wearing thin on Charlene’s last nerve.

It was 6:00 AM and the fun was about to begin. Tanya, being in the fourth grade had qualified for a special magnet school with advanced studies but was almost an hour away. They would have to leave no later than 7:00 AM to arrive at the school and allow for time to get to work.

Work was going fantastic for Charlene. With a base salary of $36,000 at a local well-known health maintenance company which allowed Charlene to make an additional $50,000 in sales commissions. Charlene had been rewarded with sales awards for performance for the past two years. With the divorce and protracted child custody issues, Charlene’s credit had hit bottom. Chapter 13 bankruptcy had been considered, but with the great years at work, Charlene pleaded with her creditors to set up a payback program so that she could dig out of the deep financial hole. In mediation, Charlene had made a deal in the custody that her ex-husband would keep the house but would relinquish his battle for full custody. Demetrious, her ex-husband was slow on the mortgage payment, and further put Charlene’s credit rating under attack. Eighteen months ago, Charlene went back to court to enforce the property settlement where her ex-husband was to refinance the mortgage and get Charlene off the mortgage obligation. Demetrious was fighting this as the rate on a B/C subprime loan with six thirty-day lates was going to be 3% higher than the sweetheart loan he had. The judge ordered him to make it happen.
It had been fourteen months ago since the mortgage obligation showed a paid status on her credit report. It was a tough road rebuilding Charlene’s credit but she was getting close to getting things paid off. She had not been able to save anything due to the credit payback plan. Demetrious had run up a lot of the credit card debt, but Charlene was fully on the hook for it as they were joint accounts. Charlene and Tanya felt like they were getting close to making big changes.

Charlene had been attending a Home Buying Clinic sponsored by her church for the past year. Fortunately, childcare was available at the church during the three hour sessions. Tanya was able to do a little studying as well in a far corner of the large room. Budgeting, credit repair, together with the home buying advice was all being discussed. Charlene had been doing well on her plan, but her middle credit score still hovered around 570. At the last meeting Mr. Wilson discussed many of the opportunities to buy a home with creative financing. Charlene pressed Mr. Wilson for more details. Charlene asked Mr. Wilson, who happened to be a Real Estate Broker and a Mortgage Broker, if that might work for her. After class, Mr. Wilson took Charlene’s information and shared with her that she may have a shot at doing something right away. Charlene went on to explain, she wanted to get something closer to work and to Tanya’s school.
Mr. Wilson said he would call tomorrow with some possibilities. Charlene had already shared with Mr. Wilson that she needed a minimum of three bedrooms, two baths with a large garage and fenced in back yard in the area previously mentioned.

At work the next day, it was 10:00 AM and Mr. Wilson was on the line sharing with Charlene that he had identified six vacant home in the area with some good sales pressure on the seller to do something ASAP. Mr. Wilson had called each listing agent and explained that he had a qualified buyer and went on to share that if the buyer paid the listing price inquired whether the seller would pay all the closing costs and prepaids AND would hold a 5% Loan To Value second mortgage. Charlene, with her credit score and history could get a 95% Loan To Value loan.
Four turned Mr. Wilson down flat. Two owners indicated through their agents that they may have an interest. There was a three and a four-bedroom home available. Charlene looked at both of them and preferred the four bedroom as it would allow for an in home office and a separate bedroom for her mom when she visited from out of state. Tanya was excited with her room and large yard. The owner had left a washer and dryer. No quarter slots were visible. Charlene asked Mr. Wilson if he could make this happen. Mr. Wilson emphatically yes. He went on to explain if not this one another one in this soft real estate market. Mr. Wilson asked Charlene if she wanted to think about it. Charlene said no, let’s do it, now. Mr. Wilson wrote up the offer on the spot. The list price was $245,000 with taxes of $3,500 and insurance of $2,400. Due to the 570 credit score and past history, the new mortgage would need to be a subprime B/C loan with a 2years fixed at 8.75% then becomes adjustable for the next 28 years. The first mortgage of $232,750 at 8.75% would give a payment of $1,831.05/month. The seller held second mortgage would be $245,000 x 5% = $12,250 with a rate of 9.0% on a 10 year term and a three year balloon would have a payment of $144.18/month. The total payment then would be $1,831.05/month on the first mortgage + $144.18/month on the 2nd mortgage + $291.67 in taxes + $200/month insurance with a total payment of $2,466.90/month for principal interest (on both loans) and taxes and insurance. Charlene’s gross income of $7,166.67 verifiable over a two year period with current year to date income indicating the commissions continuing and now with minimal debt her debt to income ratio to qualify for the loan was calculated at $2,466.90 PITI + $350 debts = $2,816.90/$7,166.67 = 39.30%. The lender guideline was at 50% Debt To Income Ratio. Charlene had made her rent on time for the last 12 months and although her payment shock was $1,400 higher per month over the rental amount, her fully documented income more than demonstrated the ability to repair. The seller accepted the offer with a three week closing. Charlene had to write a Letter Of Explanation (LOE) explaining what had happened in the past for her credit problems and what she had done to turn it around and have given it to Mr. Wilson to share with the lender underwriter. Mr. Wilson explained with a good two year mortgage history and other good credit payments that her score would go up and on the two year mortgage anniversary he would be able to seek a much better rate and a lower payment through a rate and term refinance. Mr. Wilson explained the area would experience some appreciation even in the current soft market.

The listing agent had called Mr. Wilson explained the owner was moaning about the fact that two other offers had come in slightly less than the list price without the benefit of the owner holding a second mortgage. Mr. Wilson shook his head confirming once again, deals wait for no one.

It was moving day. Charlene and Tanya left the apartment for the last time and met the movers at the new home. Charlene put the key in the door and pushed it open to view her new home. Charlene picked up Tanya with a big hug and swung her around with her legs flying in the air for three full turns. Big grins were plastered on their faces. A door slammed and Charlene and Tanya went back to the door. It was Mr. Wilson. He had a box with him and a huge smile. He knelt down to Tanya and slowly opened the box. It was a six-week-old cocker spaniel. Charlene, put her hands over her mouth to conceal her joy and just nodded in Mr. Wilson’s direction and said, “thanks for everything Mr. Wilson. Thank you.”

Dale Rogers
www.sellerhelpsbuyer.com
www.brokencredit.com

Secured Loan Guide

 Fragrance  Comments Off on Secured Loan Guide
Mar 182021
 

People turn to the loan companies for numerous reasons. The need for some cash can arise at any point. This need provides a good opportunity to the loan companies. You can obtain a variety of loans depending on your needs.

The type of loan being discussed here is the secured loan. This is a loan that needs some kind of collateral as insurance to the lender, in the event that you cannot meet the repayments. The variant called the home equity Loan is secured on property and is solely for home owners and mortgage payers.

The number one advantage of a secured home loan is the interest rate, which is normally less than an unsecured loan. If you own your own home then it is probable that you will qualify for a secured loan. This type of loan has long been a very popular way of borrowing for home owners everywhere. While there are so many secured and unsecured loans on offer it can invariably be quite difficult to select the loan that is ideally suited to you and your circumstances.

Secured loans are now very popular owing to their flexibility. If you have a bad credit rating, a good use of this type of borrowing is that by consolidating your bad credit into a lower rate secured loan, you can help to repair your credit rating. This great tool called the internet is a great place to start your research into obtaining the correct secured loan for your needs.

You can also obtain a secured business loan to finance any of your business needs. One of these types of loans can be used to buy materials, purchase land, pay wages, building, or machine plant, etc. A business loan can be secured against your home as well as any commercial type of property. At the end of the day please make sure you shop around, as there are some good deals to be found.

Online Debt Consolidation: Debiting Your Debts and Crediting Peace of Mind!

 Fragrance  Comments Off on Online Debt Consolidation: Debiting Your Debts and Crediting Peace of Mind!
Mar 162021
 

Although the dictionary defines ‘debt’ as a sum of money owed or the state of owing money, I think defining ‘debt’ in terms of it’s consequences makes more of an impact. This is why, for me ‘debt’ only means unprecedented harassment, heavy financial burdens and unrestrained stress. For those of you who are still in debt and waiting to get out of it, I’m sure this description of debt strikes harder and will make you want to get rid of it faster. So now you have no excuse – you’ve got the reason to get out of debt and a financial solution too, to make things even more convenient. Here’s introducing Online Debt Consolidation.



What is Online Debt Consolidation?

Online Debt Consolidation is a process that involves amalgamating all your pending debt like credit card dues, unpaid grocery, store and electricity bills, repayments of various loans, previous holiday expense dues, medical bills, etc. into a single consolidated, outstanding amount. So, after Online Debt Consolidation, you go from having multiple debts to a single one. This entire process is applied for and carried out online.



When do you need Online Debt Consolidation?



When your debt becomes difficult to repay, simply because you’ve got too much accumulated and all of it to be repaid at the same time, you’ve got to consider Online Debt Consolidation. Without Online Debt Consolidation, you’ve got to make monthly repayments of varied amounts to many different lending parties at the same time, at different interest rates, over different time frames. This process is not only very complicated and unmanageable but can extract your entire monthly income. In such circumstances, what money do you have to live on? And how do you manage your other expenses? Your way out – Online Debt Consolidation.



How does Online Debt Consolidation work?



First your outstanding payments are consolidated into a single unpaid amount. Next a lower interest rate is selected in accordance with your total debt, the average interest rate charged on each of your individual repayments, your current financial standing, and your credit history. Do remember that you now make a single repayment cheque compared to the multiple ones you were making out earlier) to the Debt Consolidation agency and they in turn repay your previous creditors. To create lower and easier repayments, the agency lowers your interest rate, extends your repayment term and even negotiates the owed amount with your prior creditors. So you finally end up signing a single cheque, at a lower rate of interest to the Debt Consolidation agency and can happily forget about your previous creditors.



Why only Online Debt Consolidation?



•Firstly, being online, you are going to save yourself valuable time by researching the best Online Debt Consolidation lenders and agencies in a matter of few minutes. You can also avoid endless paperwork and unending visits. The process is simpler, more convenient and faster.



•Online Debt Consolidation charges you a lower interest rate, which means smaller payments and more spare cash. Note that the interest rate is lower than the average interest being charged on all your previous repayments.



•You no longer have to deal with multiple lenders, their harassing phone calls and collection visits. Your Debt Consolidation lender deals with them henceforth.



•More than often your total debt is negotiated or reduced.



•Online Debt Consolidation can be secured (with collateral and an even lower interest rate) or unsecured (without collateral – for those who have no assets to pledge). So take your pick!



•You’re on your way to a debt-free financial future faster than your imagined!

Be sports: revel and reveal

 Fragrance  Comments Off on Be sports: revel and reveal
Mar 112021
 

“There is no “I” In team, but there is an “I” in win”; Michael Jordan could not have been more demonstrative in this pithy statement. It reflects the virtues of a sportsman with teamwork right at the top of the table. Sports do not limit what it can do to a person only up to this. I am one of those who prefer going there in the middle and experience the process of getting involved if not obsessed with one or more of these sports and games. Through this I find myself in a position to analyse my association with them. Be it spirit of the game or the sense of responsibility, a passion to prove yourself or a reason of competition, the idea lies in relishing the journey rather than the upshot.

Either you take up an outdoor sport involving physical exercise or an indoor game requiring cerebral alertness, resources and the basic requisites should not deter the enthusiasm and impulse to have fun. Cash back Portals may prove to be an aid in efficiently expediting your request with an added bonus of paying less and comparing different deals without fretting out and consuming yourself. In http://www.ukonlinemarket.co.uk I found an able facilitator if not the supreme power, willing to serve the needs of its members in an uncomplicated way.

Ever wondered what might have been playing into David Beckham’s mind the first time he kicked a soccer ball as a kid, or what inspired Jenson Button to take F1 racing as a career. Where they belong today are rather junctions in a course than destination. They might end up owing a few more milestones in their careers but what keeps them oriented is the element of fun, which they have maintained in indefectible equilibrium with their drive to be the best in the business.

How would you react if I told you that you have an edge over these stellar performers in terms of availability of resources when they started the game. Most of you would tend to ignore this statement. Let me have the privilege to unfold to you the premise of the same. With the advent of Cashback Portals and the likes of above mentioned website in this category, it could be just a few clicks away. Are you game for it?

Affiliate Marketing – Why So Many People Fail?

 Fragrance  Comments Off on Affiliate Marketing – Why So Many People Fail?
Mar 102021
 

Everyday there is more and more people getting into affiliate marketing and you might be one of them. Of course, affiliate marketing is one of the best ways to make a full time income online. It’s a great system that generates income for both the merchandiser and the affiliates from each sale. Just like any other business, a great deal of the profits in affiliate marketing depends on what strategies the affiliate marketer decides to promote the products/services. As the affiliate marketing industry grows everyday, so does the competition, therefore an affiliate marketer must be clever enough to utilize unique and effective ways to approach potential customers to purchase or avail of the products and services offered.

Affiliate programs are more effective, risk-free and cost-efficient than the traditional advertising practices. So why do so many people still fail in affiliate marketing? There are many reasons in a lot of different areas of the program to consider looking into. The most crucial aspect in affiliate programs is the advertising. This is the area where many affiliate markers fail in because they lack hard work, which is the most important thing in affiliate marketing and in all other kinds of businesses as well. Many affiliate marketers fail to comprehend that it isn’t as simple as directing customers to the business website. It takes a great deal of hard work and needs to invest a lot of time in promoting the products/services to be successful. As mentioned earlier, the competition is getting higher and the customers are getting wiser as well. Customers nowadays do their homework to get the best deals they can find in terms of quantity and quality.

Another reason why one may fail in affiliate marketing is a lack of preparation, whether he is a merchandiser or an affiliate. Researching is a very important part of preparation. For the merchants, they have to be very careful in choosing the right affiliate websites for the affiliate program. The merchant must have the best choices, in means to look for highly interested affiliates whose sites are relevant to the products/services offered. The visitors of the affiliate’s site must be targeted customers to the products/services. As for the affiliate marketers, they must research on finding the best merchandisers, with good payouts, before signing up for an affiliate program. The affiliate marketer should choose products/services of their interest to give their full attention and dedication to the program. Affiliate marketers can get helpful information by joining affiliate forums, comparing different programs and reading articles on affiliate marketing where they get tips from experienced affiliate on how to choose the best merchants and products/services.

Having a website is very important part of affiliate marketing. As an affiliate marketer, you should map out how your site is going to be, from domain name to the design, the lay-out, the content and the ads. Some visitors are scrupulous about what they see at first glimpse and so when they find your site unattractive, they won’t bother going through the site even if it’s full of great content and offers. But there are those that seek for only information and the affiliate marketers with content rich websites will thrive in this business. Websites with high quality content about the products/services will drive a lot of traffic to your site therefore allow you to earn big in affiliate marketing even while you sleep. Without quality content, the visitors will simply see another site with just ads and most likely leave the site, leaving you with no sales.

Selecting the right domain name can make a big difference in your website earnings. Without a good domain name you will most likely not get the organic traffic through the search engines as you would if you had a good domain name. You should always pick a domain name relevant to what you are promoting. Therefore your site will look like professional website rather than a personal one. You will also get better search engine rankings if you choose a domain name with a relevant keyword to your product/service. Many fail because their sites are not appropriately named, so even when they sell the exact product/service the customer is looking for, the customer might think the site is not relevant and thus, won’t even enter the site.

Learning is a very important aspect to become a successful affiliate marketer. The affiliate marketing world is always changing and so affiliate marketers must continue to educate themselves and improve their marketing strategies. Many fail because they don’t grow in the business, they always concern about earning the quick buck, therefore can’t make it in the long run. If you want to make this a long term business, you must take the time to learn the ins and outs of the business. Continue to improve your knowledge especially with the basics in affiliate marketing ranging from advertising to programming, web page development, and search engine optimization techniques. As well, study the needs and wants of your site visitors and how different merchandisers compete with each other.

Never give up, don’t get let down if your first few attempts don’t work out as planned. Many make mistakes by signing up in affiliate programs without carefully understanding every aspect of the business. They just rush themselves into the affiliate program hopping for the possibility of generating skyrocketing incomes. When they don’t get instant results, they quit and sign up for another program and repeat the process of just copying links and referring them to others. Don’t expect to get rich in an instant with affiliate programs, it just don’t work that way. You have to spend the time and effort learning the business and how to market the business before you can earn a big income with it. You’ll never know how much you can get if you don’t persevere.

Get contract phones and enjoy talking

 Fragrance  Comments Off on Get contract phones and enjoy talking
Mar 042021
 

Get all the offers you are looking for through contract mobile phone deals. Get latest handset, cost-effective deal and last but not the least, seamless connectivity. The network service providers in the UK provide contract phones. The benefits of attaching yourself with such deals are many. For example, if you get connected with the deal, you may get 12 months free phones, free text, free minutes and other incentives like free insurance etc. These offers come under particular tariff plans that are offered by any of the networks available in the UK.

Like computers, mobile phones have become a necessity for all. The new technology has given a new meaning to the communication world. Really, it is a world, full of entertainment, information and communication. People are demanding new and latest phones with full of features. The craze of mobile phones is among all class of people especially among younger generation. Express your emotions through texts, photos and by making a call. You can do all these at a reasonable price range. All you have to do is to connect through the network and the deal that offers 12 months free phones, free minutes, etc.

It is very important to know the network and the deal available under a particular tariff plan. Compare the network plans and on that basis select the network and the tariff plans. A good tariff plan should consist of free handset, free minutes, free texts, free line rental etc. Under the 12 months contract phones, you may get free handset. On the other hand, you will have to pay a fixed monthly line rental. But if the plan offers 12 months free line rental, you may get your money back that you had paid after a stipulated time period. These offers vary as per the terms and conditions.

If you really want a handset full of features and a seamless connectivity as well then get connected with the network. Enjoy talking.

contract phones

Samsung Mobiles: A marvel from the technological wizard

 Fragrance  Comments Off on Samsung Mobiles: A marvel from the technological wizard
Mar 032021
 

Samsung mobile phones have been known for their superiority. Whether it is the ultra-thin D900 or the 3G coterie of Samsung Z400, Samsung Z500, Samsung Z540, Samsung Z140, Samsung x820 and Samsung x830; Samsung is the world’s undisputed leader when it comes to technology. Soon it is going to carve a niche for itself in the market with its technological expertise.

Samsung Mobile Phones have been stylish and snazzy devices.Samsung has
condensed top notch accessories like brilliant LCD displays, MP3 ringtones and high resolution cameras in tiny minuscule packages.Infact with the cutting-edge technology that it offers; Samsung has become the third largest manufacturer in the world after Nokia; scaling great heights of success in a very short span of time.

Samsung mobile phones have always been endowed with paramount features whether it is the amazing thinness of Samsung D900 at 13 mm or the Samsung E600 which is the world’s smallest camera phone .Samsung’s forte lies in the smooth slide-up designs of its phones which is a far relief from the cranky slide –up designs available in the market today. Samsung I300 is an avant-garde phone for two reasons: it is the Samsung’s first attempt at a smart phone and also the first phone with a hard disk drive. Amazingly Samsung I300 uses windows 2003 SE as its operating system instead of the more popular Symbian OS 60 and 91 versions.

Next in the fray is the Samsung S400i which is one of the first I-mode phones.I-mode phones are special phones in which you can easily access internet. All you need to do is to press the i button and a host of sites available for the user will be at your disposal like eBay, more popular news and entertainment sites.These phones have been especially designed to facilitate internet accessibility like never before .

Samsung contract deals are available on all the leading network providers.You can grab all of these unique models with the tariff plan that suits your needs the most. Get the slim sensation Samsung D900 on O2, Orange and T- mobile.

Top World Leaders Working Together To Destroy America

 Fragrance  Comments Off on Top World Leaders Working Together To Destroy America
Feb 252021
 

The world is firmly in the hands of the evil Illuminati under Vatican and Jesuit control and here are a few examples illustrating the problem facing freedom fighters in America.


First, it must be understood the New World Order leaders around the world are a tight-knit group, working together to foster war in the Middle East, leading to its destruction as well as the destruction of Israel and the United States.


To accomplish this endgame of a one world religion based in Jerusalem and a world one government under a fascist/communist network of so-called independent states, it is important that the Vatican have all the major world leaders appear to be on different sides of the fence when, in fact, they are deceptively working together to bring about the Illuminati’s goal of a world consisting of a commonwealth of independent (fascist) states.


In fact for freedom in America to survive, Americans need to view the world completely different than what’s told to them in history books and on major television networks. Americans need to first understand they are being deceived and have been deceived for a long time.


But looking on the bright side, it’s never to late to find the truth and the truth is all the major leaders of the world’s governments and religions are on the same evil New World Order team with their eventual goal to destroy freedom in America.


And unless Americans realize this now and fight back in every way possible, they will sadly realize it late when unfortunately it will be too late, as those people left after America’s population is greatly reduced by New World Order violence will wake up in a completely different America, an America draped in chains and fascism which is, by the way, the Vatican’s government of choice.


So, the first step is to realize that Satanic leaders like Bush, Putin, Blair, Chavez and others in the Middle East, China, Japan and North Korea are all working together to instigate war and violence, necessary for the New World plan of total control to succeed.


They, of course, put on a completely different show but that is the Vatican and Jesuit plan during this time in history which should be labeled the age of deception, especially in America.


Furthermore, it has been that way for a long time in other countries around the world, but now it is just America’s turn to deal with the Vatican and Jesuit deception head on.


Besides most all governments and religions of the world already being corrupted by the satanic power emanating from the Vatican, the deceivers hiding behind the name of God use a worldwide web of Masonic Lodges to front the New World Order objectives and plans.


Listen how an Italian insider and former higher-up in the Illuminati in the Monte Carlo P2 Lodge explains how the Masonic web of Vatican deception exists in China, Russia, the Middle East and North Korea.


“Ezio Giunchiglia of Italy has been working for C.A.M.E.N (Centro Applicazioni Militari Energia Nucleare ) in Pisa since 1964 and has been working for this delicate department of the Illuminati dedicated to the nuclear game for along time.


“That’s why he has been chosen as the point man for the signing of a mega contract for the construction of five nuclear plants in China., working together with Itaian P2 Masonic members.


“The P2 has also numerous business projects in Shanghai, being the Chinese headquarters for the Mafia and other Illuminati projects . In Shanghai the Russians and the Italians working for the USA Illuminati and the Vatican , are making a lot of big deals at the moment, recycling black money and using it for their benefit.


“The plan, as I know it from discussions in the Monte Carlo Lodge, is to abandon the USA at one point when America falls while establishing a worldwide Chinese Illuminati Nazi-Communistic style as the only possibility.


“I know for a fact Ezio Giunchiglia said that America is finished to me many times and we should go and establish our wealth elsewhere as the Illuminati will always prevail by having the Vatican backing . That’s why Italy recently sent a special group of Illuminati politicians including the Prime Minister recently to China.


“Russia, as we know since I spent a lot of time there, is all under Illuminati control and three new Freemason Grand Lodges directly controlled by the Illuminati have been established in India in the last 2 years.


“India is looked at by the Illuminati as being an important new business opportunity when America eventually is rendered helpless in all facets, including financial. As I learned, the stage is already set up for the death of an Empire, the great U.S. of A.


“And it should be noted that North Korea deals directly with the Duke of Cabinda, alias Rui Gabirro and alias Robert Lamar or alias whatever his name his…Satan! What we need is to get the American people to rebel in the name of true freedom before it is too late and we all become like China, a nation of Communist infidels!”

Hypnosis Effective Methods to Lose Weight

 Fragrance  Comments Off on Hypnosis Effective Methods to Lose Weight
Feb 212021
 

Very few people know that hypnosis helps in losing weight. What is Hypnosis? Hypnosis is a tool that can be used to bring out ones full potential in many ways. It is a very good way to lose weight. What an overweight person usually does to lose weight is to go on a diet to lose excess weight. But once the diet is stopped the lost weight comes back. Sometimes you gain even more than you lost. Losing weight needs a lot of will power even if you know what the right food is and how much to eat. Hypnosis helps you get the willpower that will help you lose weight effectively.

People on a diet have a strong desire to lose weight but often don’t succeed because they don’t have the willpower to do what it takes. Hypnosis helps here as through hypnosis an area of the mind that is often not used is targeted. It brings about awareness in that part of the mind that helps you lose weight. This part of the mind takes a center stage and helps you lose weight. It overshadows the part of the mind that gives you that urge to eat foods that are not good for you like rich desserts and fried foods.

Through hypnosis you are able to control that part of your brain that deals with metabolism. Metabolism is nothing but the process in which your body quickly processes its food (fuel) sources and how much of it is stored. By increasing metabolism you can speed up weight loss and also maintain the weight loss. Hypnosis is the means to effectively change your metabolism and help you lose weight.

Through self-hypnosis for weight loss you can teach yourself to use that part of the mind to create powerful and lasting changes in your life. You can take control of your physical body through conscious actions through hypnosis. This is done by using all the information that is already there in your mind and making this information take center stage. It is very easy to lose weight through hypnosis.

Self hypnosis and hypnotherapy are very effective in making lasting changes in many facets of your life, whether it is to lose weight, stop smoking, relieve stress and even insomnia. Weight Loss Self Hypnosis programs can help you lose weight and maintain the weight loss.

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Liar, Liar, Pants On Fire…”Liar Loans” Lead To A Spike In Mortgage Foreclosures

 Fragrance  Comments Off on Liar, Liar, Pants On Fire…”Liar Loans” Lead To A Spike In Mortgage Foreclosures
Feb 202021
 

It starts out all so innocently, the loan application (1003) is filled out while gathering the income and debts verified through credit reports and mortgage payoffs. Then the Debt To Income Ratio (DTI) is calculated dividing the debts including the new housing expense by the income and wham, it happens. The DTI is over 60%. Conventional loan guidelines historically have been around 28% for housing expenses including taxes, insurance, private mortgage insurance and homeowner maintenance fees. The total debt ratios had been around 36% for all monthly debts including the housing expense. With computer modeling and automatic approvals some DTI ratios have been allowed to float up in some cases to 50% to 60% if the borrower has lots of assets and the loan is on a full doc basis. As time passed, more and more hybrids began to show up. Mortgage Brokers were inundated with this new loan product called Stated Income. Simply the borrower would state their income on page two of the 1003 loan application and ratios would fall within lender acceptable limits. The original thinking by lenders were grounded in the premise that many busy well to do borrowers didn’t have time to compile tax returns and a litany of proof of their assets. This especially applied to borrowers who owned a multitude of income producing properties or had filed for extension on filing a personal or corporate return for a self-employed borrower. This was a very popular plan and billions of new mortgage originations were sold using the Stated Income or other derivations of the basis plan. It was great for self-employed borrowers who found it difficult to compile in a timely manner all the documentation for a fully documented loan which would use tax returns and a year to date statement from a CPA.

Later on, due to the heavy volume of mortgage business and a desire on part of lenders to expand this popular niche into other areas W-2 wage earners were allowed to state their income as well as those on fixed income such as social security, disability and pensions. For a few years this seemed to be ok. However, as time went on, and the economy in various parts of the country began to slow down, borrowers with stated income loans began to have an inordinate amount of foreclosures. At this time, Stated Income mortgage loans rival the Option ARM for frequency of foreclosures. Fraud reared its ugly head as participating players in the loan process were structuring deals with phony baloney borrowers who didn’t exist. These phony buyers are called “straw buyers” by prosecuting attorneys. Many times the first payments were never made. Most mortgage brokers and lenders have buy back agreements from the secondary markets so when a loan goes bad the originator is on the hook to buy the loan back. If fraud was involved, that shop many times already closed up and had run away with any ill-gotten gains together with the rest of the crew who were working the scam. Those players are prosecuted and serve prison time for their sins.

The other borrowers who were just trying to get a loan to pay off debts and a few months down the road after the new mortgage was in place were not able to make their payments. A Notice of Default is sent to the borrower with foreclosure action following when mortgage payments are not made. In a foreclosure process, the lender holding the bag goes back through all the files looking to perform an autopsy on the loan to determine what happened. Every piece of paper is examined, verifications are double-checked with a high powered microscope. All who committed a fraudulent lending practice are sought out and demands are made for redemption and loan buy back. Some enterprising participants had provided false bank statements and other loan documents, which were in fact fraudulently created on a fine computer word processor. The fix had been in.

Many of these stated loan products were all the rage then the fraud hit the fan. Borrowers could not afford the payments and did not even come close to having enough to even live on. Major changes are afoot. Many mortgage brokers exercise much self-discipline and will not even consider a Stated Loan with someone on fixed income. Where is the “real” money going to come from? Guidelines are tightening well after the horse has escaped from the barn. There is a web page called www.salary.com that gives the high and low range of income for various occupations. Lenders will immediately check this to see if the Stated Income is within this range. In the past, many times, these loans were done with a wink. This is no longer the case. Recently, Form 4506, which is an IRS form that a borrower signs allowing the lender to check with the IRS and determine income from the borrowers tax returns and W-2s if any. Formally this verification process with the IRS was a time consuming endeavor, but this is not the case anymore. For like $4.00 per file, a lender can access, with the borrower’s written permission, an online web site and access the IRS site to verify income. Many lenders will not close the Stated Income loan without an IRS Form 4506 being signed. Many of these loans are sold into the secondary market that helps keep the mortgage money supply flowing. As more and more foreclosures ensue from the Stated Income Mortgage Products there will be a major shake out with tightening of regulations and a search for any player, including the borrowers, who may have had a hand in this “Liar Loan” product. The fallout is already underway.

What is a borrower to do? For one, look for mortgage products that do not require stating a phony income number. A No Doc loan requires stating No Income on the 1003 loan application. A No Ratio does not require income to be listed but verifies employment and term on the job. It has to make sense. The days of loose lending may be over for many. Bottom line, if it doesn’t make sense, it probably is not a good loan. Think long and hard about using a Stated Income loan product. If it conforms with what it originally designed loan program for the busy borrower with lots of cash and assets and no time to pull things together, great. If not, think about passing for some other loan product. It could impact your walk around freedom. A negative loan experience will certainly impact a borrower’s credit and help precipitate a long and painful recovery from this credit blemish resulting from a foreclosure. Find another mortgage product to achieve your financial goals.

Dale Rogers
www.brokencredit.com
www.sellerhelpsbuyer.com

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