This document discusses search engine optimization (SEO) and provides information about working as an SEO specialist. It lists several sectors where SEO specialists can find work, such as freelance marketplaces, blogging, affiliate marketing, and helping businesses with promotion. It recommends skills like problem solving, research, analysis, content writing, and coding knowledge. Finally, it includes a list of websites where one can learn more about SEO.
The document discusses content standards and representations in mathematics education in Indonesia and South Korea. It provides examples of content standards for elementary school in both countries, covering topics like numbers, operations, geometry, measurements, statistics, and problem solving. It also discusses the importance of representations in organizing thinking, solving problems, and modeling concepts, and provides examples of using representations like diagrams and circles to solve fraction comparison problems.
Modul ini membahaskan tiga bentuk milikan perniagaan yaitu milikan tunggal, perkongsian, dan syarikat. Ia menjelaskan ciri-ciri, kelebihan, dan kelemahan setiap bentuk milikan serta prosedur pendaftaran perniagaan. Modul ini juga membincangkan cara memulakan perniagaan baru termasuk kebaikan dan kelemahan memulakan perniagaan sendiri.
This document discusses the history and techniques of rhetoric and public speaking. It explains that rhetoric originated with speeches in Ancient Greece and Rome and was used by politicians to persuade audiences. The document then provides examples of rhetorical devices and techniques that orators can use to effectively communicate their message, including logos, pathos, ethos, repetition, metaphors, and hyperbole.
This document reflects fondly on some great moments from the author's past, including receiving a citizen award in middle school, sweet memories from Stillmeadow, and engaging in creativity during early school years.
La Gestión de imagen como factor clave del posicionamientoMerecedessalas
La gestión de la imagen corporativa es un factor clave para posicionar una organización en la mente de los clientes. Un análisis de imagen corporativa evalúa el reconocimiento y percepción de una organización en comparación con la competencia. Una buena gestión de imagen asegura comunicar un mensaje coherente a través de todos los aspectos de la organización para crear valor.
Fabianus Riccot Jarwindo is a student from the Faculty of Agriculture majoring in Animal Husbandry with student ID E1C011068 who lives in Hibrida 5 Gang Mulia 2. His contact information includes the email rikotkrenzz@yahoo.co.id, Facebook name rikotMalau, Twitter name RikotMalau, and phone number 081927366980. His motto is "Life is action, so act while alive."
This document discusses search engine optimization (SEO) and provides information about working as an SEO specialist. It lists several sectors where SEO specialists can find work, such as freelance marketplaces, blogging, affiliate marketing, and helping businesses with promotion. It recommends skills like problem solving, research, analysis, content writing, and coding knowledge. Finally, it includes a list of websites where one can learn more about SEO.
The document discusses content standards and representations in mathematics education in Indonesia and South Korea. It provides examples of content standards for elementary school in both countries, covering topics like numbers, operations, geometry, measurements, statistics, and problem solving. It also discusses the importance of representations in organizing thinking, solving problems, and modeling concepts, and provides examples of using representations like diagrams and circles to solve fraction comparison problems.
Modul ini membahaskan tiga bentuk milikan perniagaan yaitu milikan tunggal, perkongsian, dan syarikat. Ia menjelaskan ciri-ciri, kelebihan, dan kelemahan setiap bentuk milikan serta prosedur pendaftaran perniagaan. Modul ini juga membincangkan cara memulakan perniagaan baru termasuk kebaikan dan kelemahan memulakan perniagaan sendiri.
This document discusses the history and techniques of rhetoric and public speaking. It explains that rhetoric originated with speeches in Ancient Greece and Rome and was used by politicians to persuade audiences. The document then provides examples of rhetorical devices and techniques that orators can use to effectively communicate their message, including logos, pathos, ethos, repetition, metaphors, and hyperbole.
This document reflects fondly on some great moments from the author's past, including receiving a citizen award in middle school, sweet memories from Stillmeadow, and engaging in creativity during early school years.
La Gestión de imagen como factor clave del posicionamientoMerecedessalas
La gestión de la imagen corporativa es un factor clave para posicionar una organización en la mente de los clientes. Un análisis de imagen corporativa evalúa el reconocimiento y percepción de una organización en comparación con la competencia. Una buena gestión de imagen asegura comunicar un mensaje coherente a través de todos los aspectos de la organización para crear valor.
Fabianus Riccot Jarwindo is a student from the Faculty of Agriculture majoring in Animal Husbandry with student ID E1C011068 who lives in Hibrida 5 Gang Mulia 2. His contact information includes the email rikotkrenzz@yahoo.co.id, Facebook name rikotMalau, Twitter name RikotMalau, and phone number 081927366980. His motto is "Life is action, so act while alive."
The document discusses the Cook County Land Bank Authority's (CCLBA) plans to create a centralized database and analytics tool to aggregate relevant real estate and community data that is currently spread across many different sources. This centralized database would be accessible through an API and allow the CCLBA to analyze properties, track land bank properties, and make data-driven decisions. It would obtain data from the Cook County Regional Data Collaborative and include features like real-time updates, mapping, and reporting capabilities.
LETS (Local Environmental Transect Survey) is a citizen science project where students map and measure trees along an elevation gradient to study the effects of climate change on forest biomes. Over 400 students and 30 teachers have participated in LETS days, where they survey over 600 trees across 1200 meters in elevation. Students record species, measure trees, and enter the data which is then analyzed to show trends in species distribution with elevation. Participating in the authentic science project helps students better understand issues like climate change and how it affects their local environment.
This document discusses the history and techniques of rhetoric and public speaking. It explains that rhetoric originated with speeches in Ancient Greece and Rome and was used by politicians to persuade audiences. The document then provides examples of rhetorical devices and techniques that orators can use to effectively communicate their message, including logos, pathos, ethos, repetition, metaphor, and hyperbole.
This document lists 5 topics: Ernest Nwanu, Open Source, Supply-chaining, The Steroids, and In-forming. It appears to be a list of concepts or ideas for further exploration but provides no additional context or details about each topic.
The document proposes a six-step plan to reform the Illinois State Universities Retirement System (SURS) and set it on a path to long-term fiscal sustainability. The steps include: 1) linking annual retirement annuity increases to inflation; 2) setting the effective interest rate based on Treasury bond yields; 3) phasing in contributions from universities and colleges and increased employee contributions; 4) requiring the state to pay down unfunded liabilities on a set schedule; 5) replacing the current Tier II plan with a hybrid defined benefit and defined contribution plan for new employees. The proposal aims to reduce costs and liabilities while continuing to provide retirement security.
This document provides information about Mexico Manufacturers Inc. (MMI), a contract manufacturer located in El Paso, TX and Ciudad Juarez, Mexico. It introduces the leadership of MMI, which includes the Chairman, CEO, and Chief Sales and Operating Officer. It then discusses MMI's facilities, industries served, location advantages, manufacturing experience, and services provided to extend customers' supply chains and sourcing.
Documentaries aim to document real events using actual footage or reconstructions. There are several types of documentaries including fully-narrated, fly-on-the-wall, mixed, self-reflexive, docudrama, and docusoap. Key features of documentaries are observation, interviews, dramatization, mise-en-scene, and developing an exposition or line of argument.
Yuyi Li is a full-time accounting student at Washington State University minoring in Japanese. She came from China and speaks Cantonese and Mandarin, and has a basic understanding of Japanese. Her interests include reading, learning foreign languages, analyzing numbers, and socializing. Her professional goals are to improve her Japanese, explore accounting strategies, find an accounting job after graduation, and obtain her CPA license.
Universal design aims to help all students learn universally by designing flexible lessons that provide multiple means of representation, action and expression, and engagement. This is done through careful analysis of how each student learns differently and ensuring they are involved and understanding the material. The principles of universal design include presenting information through multiple means, allowing for varied expression of knowledge, and engaging students in meaningful ways. Key components are goals, materials, teaching methods, and assessment.
The document describes 4 game concepts:
1) "Shadow Relationship" is an argument simulation game where the objective is to have both characters happy by picking the right dialogue options.
2) "Walk the Pug" is a game where the player must guide an exhausted pug home without getting caught by the dog warden by avoiding other dogs and walking at the right pace.
3) "Super Music" is a side-scrolling music game where the player must move across sheet music and hit notes on time to progress.
4) "Retrace Your Steps" is a point-and-click game where the player must find their keys by retracing their night out before 8:30am or they will
This document is a conference committee report on Senate Bill 1 from the 98th General Assembly. It recommends that the House recede from its amendments to the bill and replace the bill's contents with new language. The new language includes legislative statements about Illinois' fiscal issues and large debts/deficits. It proposes changes to Illinois' pension systems to reduce costs and unfunded liabilities, including reducing annual pension increases and increasing the retirement age for younger workers. It also bars bargaining over the impact of pension changes.
El documento describe los elementos clave del control interno en el área de informática de una organización. Explica que una auditoría informática evalúa si un sistema salvaguarda los activos, mantiene la integridad de datos y utiliza los recursos de manera eficiente. También describe las funciones básicas de un centro de cómputo como la dirección general, el análisis y diseño, la programación, los sistemas de redes y la administración.
This document discusses freelancing opportunities for non-IT professionals. It outlines how there is growing demand for non-IT skills on online marketplaces. It provides tips for getting started in freelancing, such as asking questions, avoiding lowball pricing, maintaining professional relationships, and meeting deadlines. The document encourages freelancers to continuously improve their skills and stay up to date in their field.
The document discusses the Cook County Land Bank Authority's (CCLBA) plans to create a centralized database and analytics tool to aggregate relevant real estate and community data that is currently spread across many different sources. This centralized database would be accessible through an API and allow the CCLBA to analyze properties, track land bank properties, and make data-driven decisions. It would obtain data from the Cook County Regional Data Collaborative and include features like real-time updates, mapping, and reporting capabilities.
LETS (Local Environmental Transect Survey) is a citizen science project where students map and measure trees along an elevation gradient to study the effects of climate change on forest biomes. Over 400 students and 30 teachers have participated in LETS days, where they survey over 600 trees across 1200 meters in elevation. Students record species, measure trees, and enter the data which is then analyzed to show trends in species distribution with elevation. Participating in the authentic science project helps students better understand issues like climate change and how it affects their local environment.
This document discusses the history and techniques of rhetoric and public speaking. It explains that rhetoric originated with speeches in Ancient Greece and Rome and was used by politicians to persuade audiences. The document then provides examples of rhetorical devices and techniques that orators can use to effectively communicate their message, including logos, pathos, ethos, repetition, metaphor, and hyperbole.
This document lists 5 topics: Ernest Nwanu, Open Source, Supply-chaining, The Steroids, and In-forming. It appears to be a list of concepts or ideas for further exploration but provides no additional context or details about each topic.
The document proposes a six-step plan to reform the Illinois State Universities Retirement System (SURS) and set it on a path to long-term fiscal sustainability. The steps include: 1) linking annual retirement annuity increases to inflation; 2) setting the effective interest rate based on Treasury bond yields; 3) phasing in contributions from universities and colleges and increased employee contributions; 4) requiring the state to pay down unfunded liabilities on a set schedule; 5) replacing the current Tier II plan with a hybrid defined benefit and defined contribution plan for new employees. The proposal aims to reduce costs and liabilities while continuing to provide retirement security.
This document provides information about Mexico Manufacturers Inc. (MMI), a contract manufacturer located in El Paso, TX and Ciudad Juarez, Mexico. It introduces the leadership of MMI, which includes the Chairman, CEO, and Chief Sales and Operating Officer. It then discusses MMI's facilities, industries served, location advantages, manufacturing experience, and services provided to extend customers' supply chains and sourcing.
Documentaries aim to document real events using actual footage or reconstructions. There are several types of documentaries including fully-narrated, fly-on-the-wall, mixed, self-reflexive, docudrama, and docusoap. Key features of documentaries are observation, interviews, dramatization, mise-en-scene, and developing an exposition or line of argument.
Yuyi Li is a full-time accounting student at Washington State University minoring in Japanese. She came from China and speaks Cantonese and Mandarin, and has a basic understanding of Japanese. Her interests include reading, learning foreign languages, analyzing numbers, and socializing. Her professional goals are to improve her Japanese, explore accounting strategies, find an accounting job after graduation, and obtain her CPA license.
Universal design aims to help all students learn universally by designing flexible lessons that provide multiple means of representation, action and expression, and engagement. This is done through careful analysis of how each student learns differently and ensuring they are involved and understanding the material. The principles of universal design include presenting information through multiple means, allowing for varied expression of knowledge, and engaging students in meaningful ways. Key components are goals, materials, teaching methods, and assessment.
The document describes 4 game concepts:
1) "Shadow Relationship" is an argument simulation game where the objective is to have both characters happy by picking the right dialogue options.
2) "Walk the Pug" is a game where the player must guide an exhausted pug home without getting caught by the dog warden by avoiding other dogs and walking at the right pace.
3) "Super Music" is a side-scrolling music game where the player must move across sheet music and hit notes on time to progress.
4) "Retrace Your Steps" is a point-and-click game where the player must find their keys by retracing their night out before 8:30am or they will
This document is a conference committee report on Senate Bill 1 from the 98th General Assembly. It recommends that the House recede from its amendments to the bill and replace the bill's contents with new language. The new language includes legislative statements about Illinois' fiscal issues and large debts/deficits. It proposes changes to Illinois' pension systems to reduce costs and unfunded liabilities, including reducing annual pension increases and increasing the retirement age for younger workers. It also bars bargaining over the impact of pension changes.
El documento describe los elementos clave del control interno en el área de informática de una organización. Explica que una auditoría informática evalúa si un sistema salvaguarda los activos, mantiene la integridad de datos y utiliza los recursos de manera eficiente. También describe las funciones básicas de un centro de cómputo como la dirección general, el análisis y diseño, la programación, los sistemas de redes y la administración.
This document discusses freelancing opportunities for non-IT professionals. It outlines how there is growing demand for non-IT skills on online marketplaces. It provides tips for getting started in freelancing, such as asking questions, avoiding lowball pricing, maintaining professional relationships, and meeting deadlines. The document encourages freelancers to continuously improve their skills and stay up to date in their field.
Stop Forced Foreclosure In Your House -- How To Avoid Being Foreclosed In Your Home
1. Stop Forced Foreclosure In Your House -- How To Avoid Being
Foreclosed In Your Home
Hundreds of thousands of americans are facing the prospect of foreclosure on their home right now.
Foreclosure prices are running higher than at any time in the last twenty years. A combination of over
borrowing, low lending requirements and a decrease in home values is actually exacerbating the
problem. President bush himself addressed the nation lately with a number of measures made to help
the scenario.
Regardless from the amount of others facing the same problem - and there are an awful lot of bank
owned foreclosures for sale right now - once the specter of losing your home looms it is difficult to
handle the problem directly. But that is what’s needed. You must face the problem , weight the
choices and make a choice. For some, it might already be past too far , but this guide is written with
the intention of clearly explaining the options open to avoid foreclosure. Foreclosures is not
unavoidable and depending on where you are in the process will figure out the actions you need to
take to avoid foreclosing on your house.
For the actual purposes of this short article , we will determine the term “foreclosure,” as being the
legal behave of a bank , lender or secured lender repossessing or forcing the actual sale of a piece of
real estate or a house secured by a lien or mortgage following the borrower’s failing to adhere to the
terms of the loan in some way. Usually, this could mean defaulting on one or even more due
mortgage repayments. Put another way , failing to create a succession of mortgage payments
according to the agreed schedule could result in the bank “foreclosing,” about the loan as well as
taking the home in lieu of payment.
Foreclosure by Judicial sale
This is the most everyday sort of foreclosure as well as means that the actual sale is performed under
the auspices and charge of a judicial body – a court and a Sheriff's or Marshal's office. Proceeds
realized from the sale proceed first towards the administrators to cover the costs from the sale,
following the home loan holder, third any other lien holders and lastly , the mortgagor or borrower. It is
important how the mortgage owner has properly notified both sides , so that a purchaser obtains clear
name to the home after the sale.
Foreclosure by power of sale
This requires the forced sale of the home by the home loan holder without the supervision of a court.
Usually , this is a faster method than foreclosure by Judicial sale. Once again, so as of choice are the
management cost, the actual mortgagee, additional lien cases and finally the actual borrower.
There are other kinds of foreclosure nevertheless available in particular states, for example “strict
foreclosures ,” but these are the 2 main kinds.
1. Speak to your lender. Notify your bank or lending institution once you are aware you have a
problem. Do not wait until you are months at the rear of with payments. Despite most people’s low
opinion of banks(mine included) it is not in their needs to confiscate a loan. Many times , it costs all of
them a good proportion of the mortgage to do so and they may be prepared to reduce the pressure
2. by:
• Lowering your curiosity rate
• Lowering your monthly payments
• Extending the loan terms
• Offer a payment agreement for already missed payments
This ought to always be your very first course of action. Do not wait until procedures have begun prior
to speaking to your bank. Even if you're already at the rear of with payments , it is never past too far
to talk to the financial institution. With the current number of foreclosures , they may already have a
rescue package structured.
2. rEfinance. an additional option is to refinance the loan from an additional source, we.e. Borrow
money from someone else to pay the loan off and begin with a new payment schedule. rEgrettably , if
you are currently in the placement of being terribly in debts with one mortgage provider or about the
edge of being foreclosed upon , it is unlikely another lender will be able or willing to offer you
financing. Disregard all the “guaranteed to get you from debt,” and "guaranteed to stop foreclosure,"
advertisements. If you're already facing financial difficulties, credit more money in a higher interest
rate is not going to assist. Never ever sign a piece of document from a organization guaranteeing to
stop foreclosure – they may very well be getting you to sign over the rights to your home. Seek
independent legal advice or free advice from a good HUD approved Housing counseling Agency
very first. Getting out of debt is much like losing weight – the only way to get it done is to spend less
than a person earn.
3. Sell the home. it might be that your home loan provider will give you a certain amount of amount
of time in which to sell the house. This is really preferable to a forced foreclosures sale. Particularly if
you have sensible equity within the property. Carrying this out may well save you considerable legal
and admin costs which will have to emerge from the proceeds of the sale if carried out by a
foreclosure sale. Just remember, in a foreclosure scenario – you're the last on the list to receive any
money. Selling your house and shifting to a cheaper house might not seem an attractive option, but it
certainly is better than having your home foreclosed, your credit history damaged and then not being
able to increase another home loan on a various property. It is possible to take this step at nearly
every stage from the foreclosure process.
4. Brief Sale. Banks like foreclosure a maximum of you do. If you're holding a good “upside lower
mortgage,” or have “negative collateral ,” that's , the amount you must pay back is greater than the
value of the home you may be in a position to persuade the financial institution to absorb the
difference. This is called a brief sale. It may well be how the cost towards the bank in a short sale will
be under the foreclosures costs. nOt every lenders will agree to this kind of sale but it is certainly
worth finding out. Typically , you must satisfy the following requirements :
• the loan must be within arrears by at least 2 months
• your house must be worth at least 63% of the home loan you owe and then be offered for at least
82% of the appraised value within it’s current condition
• The home must be offered within 3 to 5 months
3. • You must persuade the financial institution to assume the costs from the short sale. I.at the. Once
the house is sold - even if it sells for under your debt – any amount outstanding is wiped off and you
are free and clear. The costs consist of any commissions , taxes, settlement costs title fees , and the
stability of any kind of outstanding loans including curiosity charges as well as any additional fees.
It is essential to get impartial legal advice whenever entering into this kind of sale. When the house is
offered , you must be free of just about all debt. This is really an option worth pursuing if you're in an
upside-down mortgage scenario.
In the case of a Short Sale - any amount wiped off during the process can be considered by the irs to
be a "gift" or "forgiveness of debt ," and can most likely be viewed as taxed income and be taxed
appropriately. It is important to get this amount confirmed and taken into consideration. This differs by
scenario and State.
Generally, the best way to strategy a short sale situation is to already have an offer from a qualified
buyer - in writing.
Update - With the introduction of the home loan Forgiveness debt relief Act - This will not be
the case.
One exception towards the refinancing guideline is the new FHASecure strategy announced lately by
leader Bush. It is designed to assist a limited number of people out of their current situation. Be
warned although , despite touting this since the saviour of the united states , this is much more about
saving the banks than a person and there is a cost to pay. The larger risk you are , the higher appeal
to you will pay. The federal government and lenders are being really coy concerning the actual
interest rate that you will have to pay and the information on the website scans very, super easy , until
you find the information about rates of interest when you are bombarded with a battery of difficult-to-
understand rhetoric along with a meaningless listing of federal rates of interest for the last twenty
years. On the top of the page of the HUD website, there is not even a connect to the information that
tells me you will pay dearly for those who have a low credit rating. As far as i will tell , the base
interest rate will be 6.5%
Another charge on top of this is a 1.5% insurance premium payable up front which can be added to
the loan along with a 0.5% per annum premium. On a $100,000 mortgage over 30 years , this
equates to over $18,000 – just for the insurance. It is certainly worth comparing prices with this
mortgage against additional loans. The main one major advantage of this type of mortgage is the
fairly low deposit – only 3% - other lenders may require more.
Generally, in order to qualify for a good FHASecure home loan , you must be able to satisfy the
following requirements:
• Have a valid ssn (SSN)
• Be legal citizen of the united States
• Be of a legal age to sign on a mortgage inside your state
• Demonstrate what you can do to meet repayments
• Be in a position to show that you made regular payments in your mortgage prior to any recent rate
changes and any kind of missed payments have come following the increase
4. Realistically, it becomes an absolutely last measure that will price an extremely high price.
It is possible in order to avoid foreclosure and these would be the basic actions to take regardless of
how far together you are in the procedure.
• Talk for your lender
• Explore just about all options including refinancing, possibly with a conventional loan or FHASecure
mortgage
• Sell the home yourself if you think you cannot make the mortgage payments
• Take independent legal advice
• Explore the actual short sale alternative for those who have negative equity
At any time during the process it is vital to speak to the other parties involved. Do not ignore
characters from possibly the court or even the bank - they may well contain period sensitive
paperwork the need to be dealt with to keep your rights safe.
The other side from the coin is the amount of foreclosures opportunities presented to real property
investors. The actual glut of houses on the market offers the money buyer numerous alternatives and
perhaps bargains. Even just in the luxury real estate market.
There are now a large number of companies involved in buying and selling in foreclosure process
homes.
luxury costa rica real estate