Cancer-hit Jennifer gets the all-clear
Cancer-hit Jennifer gets the all-clear 0 Comments | Daily Mirror, The; London (UK), Jul 8, 2010 | by DANIELLE GUSMAROLI ABSOLUTELY Fabulous star Jennifer Saunders has won her secret battle [...]
David beats brother in leader vote
David beats brother in leader vote 0 Comments | Daily Mirror, The; London (UK), Jul 27, 2010 | by BOB ROBERTS DAVID Miliband has trounced brother Ed in an early [...]
Send out 500.
Send out 500. In these 500 have 5 different headlines so 5 x 100 = 500 Why? Well what we are trying to establish here is what headline or sales [...]
Or maybe more
Or maybe more accurately: they know about templates, but don’t know how to utilize them. Did you know that many web designers actually
buy web site templates
that they then customize to meet their clients needs?
A website template is the fastest, easiest, and most cost effective path to building your website. Where custom design can take weeks or months to finish, and can run you in the thousands of dollars, web templates are relatively inexpensive, and can be ready to publish in a matter of days. Many high-quality templates are available for under $100.
There are a few different options for finding web templates. There are membership based dealers that offer a ?ne-time or monthly subscription fee which buys you the right to download their entire collection. Then there are companies that deal on a one-by-one basis, selling a single template for use with one website.
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Wind Rider
Wind Rider
0 Comments | DNA : Daily News & Analysis; Mumbai, Jun 10, 2010 | by Sinh, Gauri
The sea speaks. In idyllic Krabi, on the southern coast of Thailand you can hear its voice undiluted – a whisper, an echo and occasionally, if you’re lucky enough to witness it in a thunderstorm, an unrestrained roar.
I don’t mind the sea. Actually that’s not quite right, I’m a fan. But only of its tamer avatar, the one that shows itself gently swishing along the shores of Mumbai, of everywhere coastal, placid, in the torpid languor that spells the height of summer.
Riding riotous waves in a wooden Longtail boat, with the floorboards not quite fitted together, so you know it’s handhewn, isn’t my idea of a holiday. But there I was, braving the waters, temperamental and boisterous as they are in the hours before a full moon along with my husband and toddler daughter. Lifejackets -check. Basic first aid kit – check. Fingers white at the knuckles from clutching too tightly at the boat corner as the sea played cat and mouse, tossing us to and fro so we keeled in tempo with the giant waves -check. “We must be mad to do this, may the Gods have mercy,” my silent refrain as each wave pushed us to the brink of overturning.
The Longtail works with the ocean, mimicking its movement, that’s its beauty – low, flat, basic, unlike the bigger, enclosed and hence aseptic speedboats. To a first time traveller slightly intimidated by nature being boastful, it’s the thrill of a lifetime. Or, as in my case, the anxiety of a lifetime.
We were enroute Ao Nang to Railay, both beaches about 20 minutes apart by boat. Railay, the more secluded of the two, is accessible only by sea. Ao Nang is the touristy part, dotted with souvenir stalls and street eateries hawking the wondrous Thai cuisine.
In the hours precluding full moon, the seas are particularly rough. And a storm was brewing, like some slow tempo build-up in a bad Bollywood movie. It would happen that we appeared to be the only ones braving the bay that day. “If we capsize, no one would even find us,” I thought darkly.
Matter of fact we didn’t. We stepped onto the paradise beach that was Railay just as the sun broke through the gloom
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Maybe you made the right decision, but
Maybe you made the right decision, but feel you should now have a management position. Maybe you feel you made the wrong decision, but you are concerned about a career change in mid life. So what are the alternatives?
Career Training
Some people are concerned about the cost of career training, or the amount of time it takes. Some might argue that you have to work for anything worth having, “no pain, no gain” as they say! Think of it more as an investment in your future. Either you can continue being unhappy and unappreciated, or you can opt for career education. Likewise, if you are stuck in a job that you dislike, now is the time to think seriously about career change and what you need to do to achieve that. Think about creating your own luck or career opportunity (call it what you will).
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Coalition Launches New Campaign to Fight Loan Modification Scams
Coalition Launches New Campaign to Fight Loan Modification Scams
1 Comment | U.S. Newswire, Apr 23, 2010
WASHINGTON, April 23 /PRNewswire-FirstCall/ — The Loan Modification Scam Prevention Network, led by Fannie Mae (NYSE: FNM), Freddie Mac, the Lawyers’ Committee for Civil Rights Under Law and NeighborWorks America, today announced a national campaign to prevent loan modification scams through public education, complaint reporting and coordination with local, state, and federal enforcement agencies.
As part of the campaign, the Network has launched a consumer- friendly Website, www.PreventLoanScams.org, which is designed to support national, state and local law enforcement efforts. The Website serves as a nationwide clearinghouse and destination for loan modification scam information on complaints filed, laws and regulations, and enforcement actions.
The Website includes:
An electronic complaint form that can be filled out easily by an individual who has been scammed or by counselors or friends helping a victim of fraud;
Names of individuals and organizations who have been identified by enforcement agencies to have allegedly committed a loan modification scam;
Information on how to avoid a loan modification scam;
State-by-state information about rules, regulations and resources available to homeowners; and
News and information on enforcement efforts.
Homeowners who believe they may have been a victim of a loan modification scam, can also call the Homeowners Hope Hotline at 888- 995-HOPE to log a complaint and to receive free foreclosure prevention counseling.
“We’ve joined forces with government agencies and other industry leaders to help fight loan scams across the country,” said Jeff Hayward, Senior Vice President, Fannie Mae. “This effort links homeowners to free, legitimate counseling and helps to put scammers out of business. The goal of this campaign is to educate homeowners and empower those who have fallen victim to scammers to report and prevent future fraud.”
“By working together we can help the public identify alleged loan modification scam artists, learn how these scams work, and give them a new way to fight mortgage fraud,” said Senior Vice President Hollis McLoughlin, Freddie Mac. “The Network’s new website form will enable citizens to report fraud artists to law enforcement agencies before other borrowers are swindled out of their homes.”
Loan modification scams are schemes in which people take advantage of vulnerable homeowners. Scammers prey on homeowners in distress by guaranteeing to help the homeowner obtain a modification of their mortgage to save their home. Frequently, the borrowers pay money up front but receive no help at all and their home is lost to foreclosure.
“Receiving complaints about loan modification scammers throughout the country is crucial to supporting enforcement efforts,” said Joseph Rich of the Lawyers’ Committee for Civil Rights Under Law. “By encouraging homeowners to take action and report fraud to the Loan Modification Scam Prevention Network, we hope to help federal, state and local enforcement officials bring actions against scammers.”
“We’re pleased to be a part of this coalition, which complements and supports our ongoing efforts to educate consumers about the warning signs of loan fraud,” said Marietta Rodriguez of NeighborWorks America. “We want homeowners to know they have a place to turn to if they think they are being scammed.”
“It’s a real shame to hear stories from consumers who are already financially struggling and who learn they have paid large amounts of money, unwittingly, to a loan modification scam organization,” said Josh Fuhrman, Vice President for Programs of the Homeownership Preservation Foundation.
Key partners include:
U.S. Department of the Treasury
U.S. Department of Housing & Urban Development
Federal Trade Commission
Department of Justice
Federal Bureau of Investigations
Federal Deposit Insurance Corp
Office of the Illinois Attorney General
National Association of Attorneys General
Conference of State Bank Supervisors
HOPE NOW Alliance
National Fair Housing Alliance
National Urban League
National Council of La Raza
National Coalition of Asian Pacific American Community Development
For more information, including additional national and local partners and tips on how to avoid and report scammers, please visit www.PreventLoanScams.org or call the Homeowners Hope Hotline. 888- 995-HOPE (4673).
About Fannie Mae
Fannie Mae exists to expand affordable housing and bring global capital to local communities in order to serve the U.S. housing market. Fannie Mae has a federal charter and operates in America’s secondary mortgage market to enhance the liquidity of the mortgage market by providing funds to mortgage bankers and other lenders so that they may lend to home buyers. Our job is to help those who house America.
About Freddie Mac
Freddie Mac was established by Congress in 1970 to provide liquidity, stability and affordability to the nation’s residential mortgage markets. Freddie Mac supports communities across the nation by providing mortgage capital to lenders
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If you?ve recently been arrested and/or convicted
If you?ve recently been arrested and/or convicted of a DUI or drunk driving offense there are many things to consider before actually disclosing your DUI on a job application. First, if you are eligible to clear the DUI record (immediately or in the near future) it might make more sense to explore those avenues before you apply for a job that you really want.
9 times out of 10 most every employer will do a pre-employment background check on you and will uncover the DUI offense which most likely will cause them not to hire you. Most pre-employment background checks are conducted by 3rd party HR companies that are contracted by your potential employer specifically to do background checks.
recruitment agency
Your entire family
Your entire family can share in the joy of this love.
Caring for your baby at home ?
Most newborn babies spend most of their time sleeping and eating. You want to make sure that baby has a safe place to sleep and is put to sleep in a safe position.
A safe crib will have slats no more than 2 3/8 inches apart and corner posts less than 5/8 inch high above the rails.
Baby should sleep on a firm mattress that fits tightly in the crib, cradle or bassinet.
Do not put pillows, comforters or other soft padded materials in the bed under the baby.
Put healthy infants to sleep on their backs or sides.
Keep the sides of crib raised when baby is sleeping in it.
Try to keep sleeping newborns away from pets, other children and large overstuffed toys.
Don?t let people smoke around your baby.
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Something to mews over
Something to mews over
0 Comments | Herald Express; Torquay (UK), Nov 3, 2009
THIS three-bedroom house in Mount Braddon Mews, Torquay, has a bright modern kitchen with a stainless steel hob and oven, and fridge/freezer.
There’s a spacious lounge on the first floor, and three bedrooms on the second floor, one en suite.
Approached via a security gate and long drive, the house has an enclosed courtyard with access to a single garage, and a pebbled garden.
It’s available to rent through Churchill Properties South West (01803 690555) at Pounds 750 pcm. The agents regrets no DSS, smokers or pets.
There’s a courtyard and pebble garden and long drive with security gate