The Ontario Real Estate Association (OREA) says it has no plans to back away from its campaign promoting home ownership to parties and candidates in the
Export, cargo and ship to Africa – Real Estate and Open House Flags
Real Estate and Open House Flags and Signs
We were the first that began producing custom feather flags in the USA. Our printing process produces the highest quality nylon feather . We design, print and produce all our custom feather in house. Most of the other flag companies make their in China or India. Their flags are lightweight polyester that fade in 2 to 3 months. Support the American worker and buy out products, not the Overseas, cheap labor factories and their economies.
We digitally print our . We don’t use cheap dye-sublimation printing where you can barely see the backside of the flag. Our competitor flags have 5% bleed through on back side of flag. Our have 90% bleed through on back side of flag, which means you can still see clearly and read your advertising flag messages.
Due to our commercial print process, under extreme heat and weather conditions, our will last up to 18 months. Our Competitors flags will typically fade within a 2 to 3 months of months.
offers a complete line of International flags for sale for all countries. We offer for sale in Nylon or polyester materials in a range of sizes from 4”x6” up to 6’x10’. Our flags and country flags are made to exacting United Nation specifications and are made to the highest quality standards. Support your country and buy flags online from Flags Unlimited.
Export, cargo and ship to Africa and Nigeria
We are an international shipping company for sending
Our leaves at minimum twice a week and arrives at desired destinations within 7 days. We also have 3 to 5 day , at a cost 70% less than major carriers.
Our Services offers full container services as well as consolidation services. services allow for clients to send goods to desired destination at no minimum weight requirements.
These 2 key arms of are business allows us the ability to cargo your goods in a few days by air or in a few weeks by sea.
We are also California based premier sourcing company, specializing in the sourcing and exporting of American specification goods and services. Not only do we handle all the necessary details and logistics (research, sourcing, procurement, movement, shipping, clearing, and delivery), we also specialize in sourcing rare products and newly introduced goods, staying abreast of trends in the retail industry and bringing you special offers and bargains.
Our goal is to fully understand yourpersonal or business needs,and simply satisfy them.
MAGNETIC BRACELETS, NEGATIVE ION ENERGY BRACELETS
WHAT ARE NEGATIVE IONS?
An ion is an electrically charged atom or molecule. Atoms are everywhere and they can be positively or negatively charged – which means they can be positive or . Positive and negative ions are present in the air all around us.
is a brand of hologram bracelets once claimed by its manufacturers and vendors to “use holographic technology” to “resonate with and respond to the natural energy field of the body”, and increase sporting ability. Numerous independent studies of the device found it to be ineffective for enhancing athletic performance, and the manufacturer was forced to retract its claims in 2010
Do Energy Bracelets WorK?
are bracelets sold via the claim that they can increase athletic performance as well as curing many problems and disorders such as insomnia and addiction simply by being worn on the wrist.
However you’d be forgiven for thinking that the term ‘energy bracelet’ or ‘ ‘ was a little dubious and potentially off-putting. It certainly doesn’t sound like it’s founded in science and it’s uncertain how these items claim to affect the body. Here then we will look at how they claim to work and whether in fact they achieve what they set out to.
Magnetic jewelry is available in many different styles. Many offer their own unique style aesthetic; choose from magnetic cuff bracelets with simple details, with pearls and gemstones, and with handsome link pieces. Magnetic necklaces and rings are also available; if you find that your is beneficial for your health, consider adding other magnetic pieces to your collection to maximize benefits.
are the idea that magnets increase circulation, blood flow, and oxygen in a specific area in the body. Increased blood flow can help to relieve pain and stiffness, especially if your joints, back, or muscles are swollen or injured. Many and other chronic pain conditions report relief from magnet therapy.
Dollhouse model, 3d-showcase, Matterport 3D
Capture any space with ease. The
refers to technology that blurs the line between the physical world and digital or simulated world, thereby creating a sense of immersion.
These are images captured using rotational cameras with ultra wide-angle lenses. Our award winning 360VR images are full 360 degree spherical panoramic images used in building photographic “Virtual Reality” style virtual tours. You can interactively “be there and look around” with the full realism that expert digital photography can capture.
In the world of computer design, is the process of developing graphics and images that appear to have three dimensions
Are you searching around for tips on selling your home? Have you ever heard of the ? It’s professional organizer shorthand for: Declutter, Depersonalize, and Design—and it’s the backbone for getting top dollar when listing your home for sale.
If I decide to technology I will use matterport
is an extremely high resolution camera. To ensure the best outcome, the subject home should be staged the day before the data shoot.
To use all countertops should be cleared and personal items such as family pictures and other
personally identifiable items should be temporarily stored. General clutter should be picked up and stored out of site in a closet or garage.
The day of the data shoot the producer will meet with the homeowner and/or agent to walk through the home and explain how the data shoot will progress and to make last minute staging suggestions to improve the quality.
Once the is prepared, everyone and all pets need to leave the home until the data shoot is complete. Upon completion the producer will alert the homeowner and/or agent that the data shoot is complete.
The data shoot can take anywhere from 2 to 4 hours depending on the size of the home. In addition as a to the interior data shoot, several external pictures are taken with DSLR camera to complete the package.
Upon completion of the data shoot the images are sent to the studio for post production processing and then uploaded to the Matterport cloud for creating theThe post production process can be completed within 24 to 72 hours depending on the options selected.
real estate community to provide an unique immersive experience for agents to showcase their properties.is based in Newport Beach, CA. We specialize in providing state of the art technological solutions to the local
Newport Beach, Corona Del Mar, Laguna Beach Home for sale
is one of the most affluent communities in Orange County. Newport Beach is one of the most desired communities for due to the excellent schools, world class shopping, abundance of fine dining, amazing weather, access to major employers, proximity to the harbor and the beach, exclusive golf communities, and low crime rate. It is a community that screams – location, location, location!
is one of the largest harbors on the west coast with approximately 9000 boats. The harbor is home to every type of boat from the yacht to the small dingy. The harbor is always filled with paddle boarders, kayakers, rowing teams, sailboats, fishermen, the electric Duffy, and the occasional jet pack aqua man. On almost every summer evening you will usually see a friendly sailboat race. If you enjoy the water then is your home.
is vacation paradise for visitors from all around the globe. For residents if is a playground of activities, fun, and one of the most desirable locations to call home – is a wonderful way to spoil your inner child.
Corona Del Mar (CDM) is a community located in the affluent city of Newport Beach.nestled along the southern California coastline with Catalina views and stunning sunsets from the jagged cliffs overlooking the panoramic skyline. is home to some of the finest beaches in California, tide pools, breathtaking overlook points, finest dining in Orange County, and numerous boutique shops. Every Saturday morning, there is a farmers market where the local residents bring their baskets and/or bags and pick up some fresh fruit, veggies, bread, bunch of flowers, and enjoy a friendly conversation with their neighbors.
- is home to:
- Oasis Senior Center
- Coastline Car Classic
- CDM Christmas Walk
- Over 29 restaurants
- Ace Hardware
- Port Theatre
- Sherman Library and Gardens
- Community Church Congregational
is comprised of a mixture of architectural styles – as you drive down the flower named streets you will see the traditional beach cottage with the front yard surrounded by the white picket fence and across the street there may be a newly built Tuscan villa that has enchanting views and stunning architectural elements.
In the , you will find a couple of gated communities and larger homes with generous lots to appeal to the resident that seeks more space and privacy. is the ideal community for the most discerning homeowner that demands living in an affluent community but is not willing to sacrifice culture and lifestyle.
is truly the city for the resident that loves art and all that surrounds the beauty of a creative mind. Laguna Beach is nestled in the hills of Orange County with a very steep topography. look as if they are just delicately sitting on the edge of the hills. Each home is different – there are no two homes alike in Balboa Island. The art of beautiful Architecture and outdoor landscape design are just as prevalent the culture of Balboa Peninsula as the art studios and local art displays themselves.
Since the 1920’s artists have called
is a real treasure – there is a never a dull moment and there is a sense of exclusivity being a resident of Harbor Island. The nights of visiting the art galleries and sharing a glass of wine with your are truly special for the residents here. The schools are excellent, the summer festivals cannot be beat, the beaches are amazing, and the restaurants are incredible. Bring your flip flops, your easel, and leave the watch at is the canvas in which one can find endless inspiration and
is commonly referred to as the “ideal” Orange County destination to live, work and play. has 8.5 miles of beaches, great weather, a great educational system, easy access to work and play, and appeals to visitors and residents of all ages.
is a gem in the heart of it is perfect for the homeowner that wants to live a casual and cool lifestyle in a community that embraces the arts and culture; while, staying true to the roots of the rich history and traditions . Huntington Beach offers a wide variety of housing and with bungalow, craftsman style home, 70’s home, to the tall and skinny modern row houses. You are sure to find the perfect in one of the many great neighborhoods that make up this all American city.
Being a Teacher does not come without sacrifice. We truly respect your selfless desire to teach our children and provide guidance and direction day in and day out. We believe our Real Estate Brokerage. We are honored to be part of this national organization.program deserve much more than a thank you — how about 25% of the commission we earn when you buy or sell a home with us (to be used towards your down payment, applied to closing costs, and/or buying your rate down). In addition, how about program reaping the rewards of discounted lending, inspection, and escrow fees. KistlerGroup is your local affiliate
We recognize that real estate dreams. Learn more about the Homes for Heroes program .does not come with a guarantee of high earnings, stock options, bonuses, etc… but, that is not why you are teaching. You are dedicated to education and you chose to be a from your heart and heard the call to teach. We cannot thank you enough but, we can offer you a very special incentive that helps you achieve your
With theas your partner in we can ensure you a smooth transaction and an exceptional experience.
KistlerGroup asoffer you the excellent service .
Whether you are looking to sell, buy or rent call
is vacation paradise for visitors from all around the globe. For residents if is a playground of activities, fun, and one of the most desirable locations to call home – Living in is a wonderful way to spoil your inner child.
Being a Firefighter does not come without sacrifice. We truly respect your selfless desire to serve our community and providing protection to our community day in and day out. We believe ourHEROES deserve much more than a thank you
Irvine Child care, Irvine Daycare
worker is someone who cares for children when parents and other family members are unavailable. They care for children’s basic needs, such as bathing and feeding. They care for children in childcare centers, their own home, or the homes of the children in their care. Many work full time, but part-time work and irregular hours are common.
What does a Childcare Worker do?
A worker cares for the basic needs of infants and toddlers, changing their diapers and preparing their meals. They also maintain the children’s schedules, such as play, nap, and meal times. Others things they do include:
- Supervise and monitor the safety of children in their care
- Prepare meals and organize mealtimes and snacks for children
- Help children keep good hygiene
- Organize activities so that children can learn about the world and explore interests
- Develop schedules and routines to ensure that children have enough physical activity, rest, and playtime
- Watch for signs of emotional or developmental problems in children and bring the problems to the attention of parents
- Keep records of children’s progress, routines, and interest
Childcare workers often watch school-aged children before and after school. help these children with homework and ensure that they attend after-school activities, such as athletic practices and club meetings. During the summer, when children are out of school, childcare workers may watch older children as well as younger ones for the entire day while the parents are at work.
The following are examples of types of childcare workers:
Childcare Centre Workers
– work in teams in formal childcare centres, including Head Start and Early Head Start programs. They often work with preschool teachersand teacher assistants to teach children through a structured curriculum. They prepare daily and long-term schedules of activities to stimulate and educate the children in their care. They also monitor and keep records of children’s progress.
Family Childcare Providers
– care for children in the provider’s own home during traditional working hours. They need to ensure that their homes and all staff they employ meet the regulations for family childcare centres. After the children go home, the providers often have more responsibilities, such as shopping for food or supplies, doing accounting, keeping records, and cleaning. In addition, family childcare providers frequently must spend some of their time marketing their services to prospective families.
– work in the homes of the children they care for and the parents that employ them. Most often, they work full time for one family. They may be responsible for driving children to school, appointments, or after school activities. Some live in the homes of the families that employ them.
– like nannies, work in the homes of the children in their care. However, they work for many families instead of just one. In addition, they generally do not work full time, but rather take care of the children on occasional nights and weekends when parents have other obligations.
What is the workplace of a Childcare Worker like?
Childcare workers are employed in , preschools, public schools, and private homes. They spend much of their day moving around the room to work with the children in their care. Carrying children, bending to lift children, and kneeling to be at eye level with children can be physically exhausting. introduces babies and toddlers to basic concepts by reading to them and playing with them. For example, they teach young children how to share and take turns by playing games with other children. They often help preschool-aged children prepare for kindergarten. They use children’s play to improve the children’s language—for example, through storytelling and acting games—and their social skills—for example, through having them build something together in the sandbox. They may involve the children in creative activities, such as art, dance, and music.
Family childcare providers work in their own homes. They may convert a portion of their living space into a dedicated space for the children. About 30% of childcare workers were self-employed in 2010. Nannies and babysitters usually work in their employers’ homes. Some live in the home of their employer and generally are provided with their own room and bath.
Professional Web Design and Development
After fourteen years and hundreds of web design projects,are proud of our reputation for client service and success.
devoted to listening, planning, and managing projects flawlessly. Our portfolio showcases our best responsive and e-commerce websites. Get to know the talented people behind it all, and read our latest thinking about ,web development and content marketing.
create digital answers to business conundrums. Combining strategy, technology and execution we tailor custom fit web, branding and marketing solutions to current company problems.
Our team prides ourselves on clean, usable interfaces that create positive flow and drive conversions. From startups to Fortune 500 companies, have a wide range of experience with clients of all sizes. Our unique entrepreneurial spirit lends itself perfectly to launching the next great web startup or generating that fresh spark to create a competitive advantage for a large corporation. approach is simple, yet effective. What’s on our mind? Executing thought strategy, designing with your heart, building something new, and marketing for the world to see.
come together every day to make things happen for the brands we represent. Our passion lies in generating new ideas and our philosophy is grounded in finding a human connection that can positively impact your bottom line.
Every project is unique, but they all start with one thing in common: want to know everything. Where you started. Where you want to go next. What you value. Who your customers are and why they care about you. The only way to solve a problem is to understand it from every angle. Luckily, have got a proven process to quench our insatiable curiosity.
Every One Design project starts with collaboration.learn everything about you, collectively define the project, set goals for the weeks to come, and determine metrics for success.
Great collaborations result in great work. Your participation from start to finish is crucial.rely on your expertise and feedback throughout the process to understand your business and your challenges. It’s all powered by partnership.
You can’t find the best outcome to a problem unless you explore all possible options. real people to ensure we’re on the right path.immerse ourselves in your industry, learning through observation, interviews and analysis. When it comes time to sit down and solve the problem, we’re just as rigorous, testing solutions against
DISCOVERY & PLANNING
Knowing where we are headed is the best way for to help ensure we get there. Nice saying. However we live by this philosophy. Our conduct solid research to better understand and align what our clients and their constituents want. Conducting usability testing and focus groups identifies valuable insights, creates a better final product, and ultimately saves time+money.
IT’S ABOUT FINDABILITY
Who cares how great your site is if no one can find it? One of the essential groups of ingredients “bake into” every website is the use of effective key words – essential to good search. want your site to be easily found by the people that matter most to you. do our homework to ensure we select the right keywords that your audiences use in searches and with which we can realistically be successful in getting high rankings. also ensure everything is easy to find within the site!
FIT & SUPPORT
study your web analytics to help us better understand more about your users and their technical needs. AND, our process involves understanding your business and technical requirements to ensure your new website fits into and supports the rest of your operations (sales, IT, etc.).
TELLING YOUR STORY
Every picture tells a story, and want to help our clients tell and sell their great stories. We follow a careful process to understand your business, offerings and objectives. create sites that fit and support your brand, engage your users and help grow your business.
also design web-based applications to facilitate clients’ business functions, such as ordering systems.
THE RIGHT STRUCTURE & DESIGN
Once know and have agreed on your story, and how we’ll tell it, we sketch out the sections, flow and overall architecture – basically, this is where we create your site’s skeleton. After review everything together and agree on the structure, we begin creating appealing and functional visual elements – the actual design. think through every design element to support the big picture.
IT JUST WORKS
Everything do is with the end user in mind. We want your site to stimulate, interest and meet the needs your audiences – while, of course, achieving your goals for the site. Clients often tell us the websites we design simply make sense, are easy to use and are elegant. Sometimes we even hear the word gorgeous tossed around.
NO JARGON, JUST RESULTS
Besides being great designers, we are technical experts. know and use the right tools (software and programming languages) every day. carefully assess your needs and recommend the best approach to build your site to meet all of your needs – and to function flawlessly.
also create sophisticated, yet simple company Intranet sites to help clients connect, inform, and communicate with employees and other designated parties.
POWER IN YOUR HANDS
clients can always easily access and make instant changes to the sites we create. We do this by building sites with open-source content management systems and tools, such as WordPress and ExpressionEngine. provide tutorials, lessons, and are happy to hold your hand as you learn how to make the magic happen on your own.
ORGANIC (SEARCH) IS GOOD FOR YOU
Good search engine optimization (SEO) isn’t magic. And don’t use smoke and mirrors. Instead, take a holistic approach to make your website easy for search engines (and hence, users) to find and for users to find what they need on your site. Again, it’s about Findability. employ a variety of proven techniques ranging from what and how much we write, specific words we use, appropriate title tags, how we structure the site, links to and from your site, and much more. Essentially, “bake” good SEO into your site while we’re building it.
PPC IS MODERN ADVERTISING
Paid search management is how help big and small clients achieve strong visibility when desired prospects conduct online searches. build programs centered on specific budget amounts, the right key words to go after in searches, and attracting the right prospects. constantly measure, assess, and fine-tune our programs to maximize return.
Good SEO happens when a site is being built. But can also help improve your existing site’s SEO through careful analysis, making necessary changes, adding needed content, and using a variety of tools.
SEO service Search Engine Optimization
Over the course of the past few years, the internet has become an incredibly powerful tool. Not only has it become a great source for media,
With such an amazing tool available to the masses, it is important that or product is visible online. Being visible isn’t only about having your website up for people to visit. talking about being ranked on major search engines so when people search something, they find you. The way to achieve this is through proper white-hat (SEO) services.
Take a second to think about it, how did you find website? Most likely, you went on Google and searched for services in your area, and now you’re here. You’ve now visited the top agency ready to help you dominate any search result. If you’re in New York and you’re looking to get your business or product on the first page of Google, you’ve come to the right place. Our team of experts can help you achieve your goals and bring a new wave of traffic that you never had seen before; all through the power of the internet.
So if you’re still not convinced that should be a part of your marketing budget? Check this out: 80% of users use Google on a daily basis. When they go to look for something, they’re going on Google. When they want to see a review, guess what? They are on Google!
In today’s world, consumers use the to find the services and products that they need. Because of this, there is no better investment than . Affordable SEO services can help your company or organizational website be found by global markets.
We provide Solutions for all types of Phonix Businesses
A lot of our clients always ask how we are able to keep our prices low. Well, let let you in on a secret. Many people don’t actually know that ranking for geo-keyword terms is easy. For example, the terms “real estate in Dallas” or “Dallas dentists” are not difficult to rank for if your is done correct and you follow strict guidelines. The bottom line is that SEO is not difficult and our prices show that. has also partnered with top SEO providers that will even help you rank for competitive keywords. So be assured that your local business will 100% rank on Google.
is not only about on-page optimization like many people believe. Keywording your website content is just the beginning. We create unique metatags for every page component to maximize the indexing opportunities for your site. also create organic backlinks in a natural way so that your site will be successful in the long term. This may take longer but don’t claim to offer instant results. Those who do often incur a high penalty down the line as the owners of over 5 million websites discovered during Penguin 1 and Penguin 2 updates from Google. understand perfectly what it takes to create a great website which will not only be a proud platform for your business, it which will be successful in search through our expert SEO.
Affordable SEO Services
Ranking offers off page optimization services which are aimed at reinforcing your website in search by optimizing your site externally – i.e. without changing anything on your pages. This optimization is primarily a backlinking effort focusing on relevant and high PageRank backlinks. dos not offer mass backlinking services as they are of little SEO value – even more so since the Google Penguin series of updates. The list of optimizations we can perform includes:
- High PageRank backlinking from relevant-topic sites
- Directory submissions – directories are listing of businesses and websites which are checked out by real people. place high trust in these listings are they are not automated like most Internet search indexes.
- Press Releases – every time something of note can be written about related to your products or business, a press release can be sent out which gives journalists everywhere information to report on. A paid press release can reach a very large audience.
- Article submissions – will write and publish articles on other blogs and journals to get backlinks from good anchor-text and enjoy traffic that clicks through.
- Social Networking and Bookmarking – See our page on social networking and you can soon see how powerful a marketing too they can be.
- RSS fee directory submissions – RSS feeds are an important part of
- Videos placed on YouTube etc. – You Tube has a huge user base with billions of hits per day. A video posted here can have a tremendous effect on your traffic and in combination with social networking can really boost SEO.
With all off site optimization,
is a search engine optimization expert that specializes in local lead generation. They are dedicated to ensuring that my clients website becomes the highest ranked on Google. This gives their business more opportunities when prospective clients conduct a keyword search. Search engine placement in Baltimore is a very competitive market and requires a well optimized website to ensure a business gains the proper expose online. A well optimized website can lead to an increase in traffic, leads and higher income. has dealt with a variety of website owners and have generated more leads for them using the latest in SEO methodologies. tailor our actual process to the site we are optimizing. Some business will benefit from a series of press releases, others may find social media more appropriate. The world of changes almost daily and in keeping up with those trends we have the experience to know what will and will not work for your business. With your input and budget considered can craft a tailor-made offsite program that will boost your site traffic and revenues.
If a website is not appearing on Google’s first page, then the business is likely losing out on possible income to a competitor with a higher ranking website.target audience finds their services with ease before a client can move on to a competitor. are able to boost a site into the top ranking position for local Las Vegas keyword searches. Unlike other Experts -who use outdated optimization methods- utilizes the newest techniques to compliment the ever-changing Google algorithms to make a business’ website generate more traffic and leads.
Some internet companies claim to offer SEO services at pocket-friendly prices but use dated methods which only prove to lower rankings and can cause your site to be penalized by Google. However, some of the methods uses are:
- Choosing proper keywords to boost traffic
- Adding trusted and safe back-links from reputable websites
- Utilizing high quality content to engage clients
- Enhanced social signals to increase company awareness
- Conversion optimization to increase lead generation and time on site
With these methods,
offer a special, free consultation where they will analyze the current rankings of your website. If the site qualifies, will provide an introductory optimization plan (risk free) as well as assemble and provide a list of keywords (in order of importance) which would boost the website’s rankings. This will not only aide in the website appearing on the first page of Google, but also in boosting it to the number one slot. are able to place customers website among the top ranked sites in Chicago. Any business acquiring my skill will be able to outmatch its competitors in the field.
The power of
It’s not unusual for our clients to see search traffic increase at a 10%monthly rate within a few months after our SEO consultants start working with them. For many of our consulting firm clients, that translates into money in their pocket, powered by an ever-growing stream of new revenues from customers they were not reaching previously.
Our SEO consulting services include:
- SEO Analysis, SEO Planning and SEO Recommendations. assess your site’s current strengths and weaknesses with respect to organic search engine optimization. They then make a presentation to you on where you currently rank in the search results, the improvement opportunity for SEO and the recommended next steps for your SEO project.
- Keyword Research. Based on your business objectives, target phrases for SEO. define the key phrases that you want to rank for. This is based on extensive research using competitive analysis and tools that tell us what people in your industry are actually searching for. There’s no guesswork involved. We have a very systematic approach to defining
- Fixing What’s Broken. experts don’t simply tell you what to do. They will do it for you, or They will advise your team as they implement the agreed-upon SEO fixes and enhancements.
ONLINE REPUTATION MANAGEMENT
There are a lot of misconceptions about
Now we are going to explain the role of in today’s business and media landscape. Companies of every size can benefit from having a clear outline of its main concepts.
They Are Talking About You
Just a few years ago, the internet was very different. Companies were not engaging customers but just selling to a passive audience; people could not express their voice in a powerful way, and the was very “top down.”
The situation has radically changed. Today, websites are no longer static brochures. User-generated content is a must. And are vital to any business success.
No matter the size of your business, they (prospects, customers, clients…anyone and, potentially, everyone) are talking about you. They are tweeting about your latest product, leaving a comment on your blog, posting a Facebook update about their customer experience, and much more.
If you think you can skip this, or if you think you can without taking into account people’s voices, opinions, and reviews, think again.
Online reputation problems don’t go away on their own, and is not easy. With each passing day, the becomes more and more enmeshed with the rest of our activities. You might not think that people are searching for you, but chances are they are. Common reasons include:
- Employers doing pre-interview research
- Landlords looking into prospective renters
- Children searching for details of their parents’ “real lives”
- Curious significant others, past and present
- Former colleagues looking to share professional opportunities
If someone writes something negative about you online, it can put you at a serious disadvantage over the long term—especially if you’re not aware of it. You might never know why you didn’t get that apartment you wanted, or why a job offer never materialized after that phenomenal interview. It’s important to keep tabs on what people are saying about you online and you need to correct any inaccuracies.
Our can help you to fix your reputation.
In business, your reputation is everything. Thanks to social media and review sites like Yelp, you can build a great online reputation fast. There’s just one problem: The Internet moves fast, and with a few missteps, you can hit rock bottom just as quickly as you rose to that coveted 5-star rating. and you need an company to fix your damaged reputation.
The same can be said for job seekers and professionals. Just as potential customers may be searching for your business on major search engines like Google, employers often search for information about job candidates. If your Web presence is questionable, it could cost you your dream job or even get you fired from your current position.
Contact group to increase your reputation ranking and guarantee your future job is important?
Loan Modification – Jefferson Legal Group
What Is the
In 2009, the government created the Home Affordable Program (HAMP), which is part of the government’s Making Home Affordable Program designed to provide relief for troubled homeowners. helps troubled homeowners by reducing their mortgage payments so that these payments are 31 percent of their pre-tax monthly income. agency use this calculator to estimate how much your mortgage payments might be reduced under this program. Not all lenders participate in HAMP, but you may be able to work out a with them nonetheless.
How Does a Borrower Qualify for ?
Even lenders who don’t participate in HAMP (mortgage companies with loans owned by Fannie Mae and Freddie Mac must participate, and other lenders have the option to participate) may offer , though their criteria for who qualifies will vary. To qualify for HAMP, you must:
- Have gotten your mortgage on or before Jan. 1, 2009. Owe a maximum of $729,750 on your primary residence or single-unit rental property or up to $934,200 on a two-unit rental property (the government sets higher limits for rental properties with more units).
- Have enough documented income that you could pay your if it was modified.
- Have a financial hardship and thus are delinquent or in danger of becoming delinquent on your mortgage payments. Typically homeowners must show that they are facing ‘serious’ financial hardship such as a loss in income, illness or a divorce that puts them at risk of defaulting on their mortgage. They must prove to program this hardship with documentation and sign an affidavit to that effect.
Homeowners will likely need to provide the following documents to
Once they have gathered that information, borrowers should call their mortgage servicer — you can find the number on your monthly bill — and ask for a . You do not need to be late on payments to qualify for a loan modification; you just have to show that you’re likely to default on payments if action is not taken by the lender. Consider hiring a lawyer to help you through the process and/or calling your local HUD-approved counseling agency.
What Is the Effect of a Loan Modification on My Credit?
Those participating in HAMP probably won’t see a dip in their credit score, as the government has set up requirements that lenders report HAMP in such a way that it doesn’t currently harm your credit score. However, there is no guarantee that a in general won’t impact your credit score.
What Are the Alternatives to a Loan Modification?
If you don’t qualify for a loan modification, but can’t make your mortgage payments, you have other options to avoid foreclosure. These include:
to be considered for a loan modification: income documentation such as recent pay stubs; tax returns; a list of assets and their estimated values; credit card and loan statements; and a letter outlining the financial hardship they face.
- Short selling the home, whereby you and the bank negotiate a deal allowing you to sell your home for less than you currently owe the bank.
- Giving the home back to the lender via a ‘deed-in-lieu of foreclosure.’
- Getting a forbearance, whereby the lender reduces or suspends your loan payments (usually for up to 90 days).
- Finding a tenant who will rent your home and using that money to repay the
Why Insurance is important
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Life throws many unexpected things at all of us. While we usually can’t stop these things fromoccurring, we can opt to give our lives a bit of protection.
There are however, four insurances that most financial experts recommend that all of us have: life, health, auto and long-term disability. Each one of these covers a specific aspect of your life, and each one is very important to your financial future.
The greatest factor in having is providing for those you leave behind. This is extremely important if you have a family that is dependent on your salary to pay the bills. Industry experts suggest a policy should cover “ten times your yearly income.” This sum would provide enough money to cover existing expenses, funeral expenses and give your family a financial cushion. That cushion will help them re-group after your death.
When estimating the amount of coverage you need, remember to factor in not only funeral expenses, but also mortgage payments and living expenses such as loans, credit cards and taxes, but also child care, and future college costs.
LIMRA, formerly known as the Marketing & Research Association, says that if the primary wage earner dies in a family with dependent children that family will only be able to cover their living expenses for a few months, and four in 10 would have difficulty immediately.
The two basic types of life insurance are and . Simply explained, Whole Life is a policy you pay on until you die and Term Life is a policy for a set amount of time. You should seek the advice of a financial expert when planning your needs. There are considerable differences between the two policies. In deciding between these two, consumers should consider their age, occupation, number of dependent children and other factors to ensure they have the coverage necessary to protect their families.
A recent Harvard study noted that statistically, “your family is just one serious illness away .” They also concluded that, “62% of all personal bankruptcies in the U.S. in 2007 were caused by health problems and 78% of those filers had at the start of their illness.”
Those numbers alone should urge you to obtain , or increase your current coverage. The key to finding adequate coverage is shopping around. While the best option and the least expensive is participating in your employer’s insurance program, many smaller businesses do not offer this benefit.
As the health care debate continues in Washington, approximately 48 million Americans are without coverage. Check with your employer regarding health care benefits, inquire of any occupational organizations that you belong to regarding possible group health coverage.
Long-Term Disability Coverage
This is the one most us think we will never need, as none of us assumes we will become disabled. Yet, statistics from the show that three in 10 workers entering the workforce will become disabled, and will be unable to work before they reach the age of retirement. Of the population, 12% are currently disabled in some form, and nearly 50% of those workers are in their working years.
Even those workers that have great health insurance, a good policy never prepare for the day when they might not be able to work for weeks, months or may not ever be able to return to the job. While health insurance pays for your hospitalization and medical bills, where is money coming from to pay those daily expenses that your paycheck covers? Here are a few very sobering statistics regarding disability:
If you are injured and off work for even three months, would you have enough in savings to cover your living expenses? Consider what you might face financially if you suffer a major medical condition such as cancer and were unable to work for over a year.
Many employers offer both short-term and long-term disability coverage as part of their benefits package. This would be the best option for securing affordable disability coverage. If they don’t, seek out a private insurer. If you aren’t sure how much coverage you need, AARP offers a very good disability insurance calculator to help you.
A policy that guarantees income replacement is the optimal policy; more usual terms are replacement of 50 to 60% of your income. The cost of disability is based on many factors including age, lifestyle and health. A small price to pay if you are faced with a devastating illness or injury. Disability will guarantee that you will have some income when you can’t work.
While all states do not require drivers to have auto insurance, most do have requirements regarding financial responsibility in the event of an accident. Many states do periodic random checks of drivers for proof of insurance. If you do not have coverage, the fines can vary by state and can range from the suspension of your license, to points on your driving record, to fines from $500 to $1,000.
If you drive without and have an accident, the fines will probably be the least of your financial burden. Your car, like your home is a valuable asset you use every day. If your car is damaged in an accident and you have no auto insurance, you will have no way to replace that vehicle unless you have a large savings account, and you don’t really want to tap into that savings when auto insurance could cover the cost.
If you, a passenger or the other driver is injured in the accident, your auto insurance will pay those expenses, and help guard you against any litigation that might result from the accident. insurance also protects your vehicle against theft, vandalism or a natural disaster such as a tornado or other weather related incidents.
Again, as with all insurances, your individual circumstances will determine the price of your auto insurance. The best advice is to seek out several rate quotes, read the coverage provided carefully and check periodically to see if you qualify for lower rates based on age, driving record or the area where you live.
is meant to give us some measure of protection, at least financially, should a disaster happen. There are numerous options available, and many financial experts tell us that we need to have these insurance policies in place. Yet, with so many options, it can be difficult to determine what insurance you really need. Purchasing the right insurance is always determined by your specific situation. Factors such as children, age, lifestyle and employment benefits are all points to consider when planning your insurance portfolio.