to see and what you want to do with that image will determine what kind of microscope you need. Microscopes typically come in two types: compound or stereo microscope.The most common is the compound microscope. It is the one most people visualize when they think about microscopes. A microscope with one eyepiece is called a monocular microscope; with two eyepieces it is called a binocular microscope, or it might have an additional camera tube...more
When you start to find it hard to make your mortgage payments and you cannot get your loan refinanced, it is time to get a loan modification. Your first step is to write a hardship letter explaining your need. The hardship letter explains why you are requesting a modification and why you need it. It is unfortunate that modifications are rejected because the writer has not learned how to write an effective hardship letter that communicates what is...more
The new Making Home Affordable Plan, set in place by the President, is designed to change the monthly payments of a loan so they become more affordable for everyone. These payments should be 31% or less of the borrowers gross monthly income. Now when a lender notices that a borrower is falling behind, they know what to do to help them. The U.S. treasury has outlined the steps, which are known as the Standard Waterfall. This is how it works:1. The lender will ask for the borrower to prove his income through tax returns, pay stubs and verification letters from employers.2. The lender then calculates the borrower's monthly payment, adding all fees, taxes and insurance. Late payment fees are not included.3. The lender will compare the gross monthly income to the monthly mortgage payment to determine the borrowers debt-to-income (DTI) ratio. The goal is to keep it at 31% or lower. 4. If the monthly mortgage payments are higher than 31% of the income, the lender will begin lowering the interest rate by 0.125% until they reach a rate that will put the mortgage payments at the right percentage or until the interest rate is reduced to 2%. The lender will not lower the interest rate below...more
The goal of any credit repair program is to improve your FICO score. A FICO score was developed by the Fair Isaac Co. to help determine the likelihood of you paying if a company agrees to loan you money. Fair Isaac s the only ones who know exactly what makes up their algorithm, which is the mathematical formula used to calculate your score FICO...more
The recession has hit everyone hard. In fact, it's highly unlikely that there is anyone in the country who hasn't been either directly or indirectly affected by -- it including entrepreneurs. Finding work and clients has become a struggle for many and they are faced with a tough decision: will they go back to work for someone else, or will they be...more
For Immediate Release: Robert EisensteinHomeRun Homes(631) 676-3609(631) 574-2420 homebuyer@lease2buy.comhttp://www.Lease2Buy.comHomeRun Homes Celebrates 7 Years as the Marketplace for Rent to Own HomesRonkonkoma, New York, October 20, 2009 - HomeRun Homes, which has revolutionized the Rent to Own Homes industry with their marketplace website (www.Lease2Buy.com), is celebrating their 7th Anniversary this month.This has been an extremely busy year for HomeRun Homes, with traffic to the site at record levels in this, their 7th year of operation. In the first quarter, they purchased the foreclosure company and corresponding website of Equifree.com, they have extended their reach into the Commercial Real Estate market, as well as instituting a program which offers free services to Non-Profit Housing Organizations. The President of the company, Robert Eisenstein, states that by helping the Non-Profit Housing Organizations, "we are just trying to do our part to help jumpstart the economy, and, in reference to their entrance into the Commercial Real Estate market, Eisenstein states that "the owners of commercial properties were long overdue for help", and he stated that, "help is...more
To many people, to declare yourself bankrupt would seem to be the end of the world as you know it. In these trying times, bankruptcy can be brought about by a number of external factors, totally out of many peoples personal control.Unfortunately,...more
If you as a homeowner are in desperate need of a financial break, it is imperative that you have the knowledge and know how to create a loan modification hardship letter. You will need to be able to effectively communicate your situation and why you...more
There will come a time in every renter's life when buying a home seems more appealing than renting. Should you buy or should you continue renting? Well, there are two basic ways to look at this problem. The first way is to think about all the money...more
When you apply for a traditional bank loan, you may (or may not) gain the money that you need, but you won't be able to spend that money any way that you want to. Many people often make the mistake of assuming that bank loan money can be spent in any...more
When you are considering ordering personal checks, remember that you have more options than just ordering them from your local bank. Banking and finance management can be fun when you have your own unique designs embedded in your checks.Personal...more
Almost every American homeowner would like to secure a home mortgage loan modification these days. This article will explain exactly what this means and how to go about getting one.Are you fearing foreclosure like so many of your fellow Americans are...more