Thanks For Your Visits, Guys!

My apology for not returning your visits and updating my blogs; we've been busy lately. There's plenty of things to be done: dealing with car insurance regarding our broken car, filing claims with the other party's insurance on top of shopping, wrapping and mailing Christmas presents, mailing cards, not to mention with many church activities that we/I need to attend to. I am always exhausted and tired. We are also in the process of looking for a house to buy in a nice and established neighborhood with good school district. Hubby and I agreed with the house we will buy; I get to pick the house as long as it is close to the park with walking trail and stuff. Anyway, I will get back to you guys as soon as the busyness of the holiday is over. Have fun shopping though it is impossible!

Searching for Cheap Apartment Has Never Been Easier!

Six months ago, my husband got his job back from the company he had worked for, for seven years. And so we need to moved back to the state where we came from. The company only gave two weeks to pack our things up and move so he could start working. So, we immediately start looking for an apartment to stay with. Since we heard so much good about the site called MyCheapApartments.com and how easy it is to find Cheap Apartments, we decided to use the website. I tell you, we were satisfied for the outcome because the site is easy to navigate and they have enough photos of apartments to choose from, thus easier for us to pick which neighborhood we wanted to live. We were able to different floor plans and it's prices. We were even allowed can even sort for prices from to sort by price to find the cheapest apartment! Amazing, isn't it? In no time, we found the apartment we both wanted to live. We are enjoying the apartment we are in right now; thanks to MyCheapApartments.com!

Protect Your Family and Home

I do believe that burglaries could happen any time, and that is the reason why didn't stop bugging my husband till he agreed to install home security systems in our first home. We live in an apartment now and I noticed some of the tenants wanted to make sure that they are secured; indeed home security is gaining public interest. When the burglars get the opportunity to break into your home, no matter what time of the day, they will strike and break in. Don't give them even a tiny bit of opportunity, make sure to set up a Home Security Surveillance System to your home for peace of mind and safety of your loved ones as well as your important possessions and documents.

We are currently looking for a house, and once we find one, I will make sure that home security system is installed especially that my husband works in the evening. Having a visible security system at home makes you feel secure and safe as you are less likely be exposed to any burglar occurrence, thus making uninvited intruders be warned before they accomplish unlawful action to a particular property. It also restricts the tendency of property loss or even the lives of the member of your family. Having home security systems installed send message that they are being watched by many people who wanted to eliminate them for good.

If you are interested, right now, ADT offers home security monitoring in all the states listed here. Visit their site now to avail of this special offer.

The North Face Running Shoes

It's been awhile since I last do some exercise and that is the reason why I gained few pounds on my body weight. I better start running again or I don't have a choice but to shop for new clothes.

Talking about running, I need to buy a new pair of running shoes since my old one is pretty much worn out now. I would like to buy a running shoes that is cushioned that way I wouldn't get a sore feet after walking or running.

While looking for running shoes online, I saw the running shoes I like at zappos.com. The-North-Face brand has many items you would probably interested in when it comes to shoes, winter clothing and more.

Know the Difference Between Trial and Permanent Loan Modification

This is a sponsored guest post written by Joel Jacobi on behalf of American Residential Law Group. Post powered by Sponzai.

Most of my clients don't understand the difference between a trial loan modification and a permanent loan modification. I'm writing this article to help homeowners better understand and navigate their way to successfully modify their home loan(s). Most homeowners understand only what they see in the paper or published reports. This is one reason why people are saying " I'm reading that everyone is getting help, but I'm getting nothing". The headlines read: 650,000 have received help under the new government modification program. What the article leaves out is the fact that these are all TRIAL loan modifications & all the information must be submitted again for review in 3-5 months.



During the 3-5 month trial period you will:

1. Not receive payment coupons for scheduled payments


2. Still considered delinquent on your loan


3. Will have to submit financial via fax again!

Homeowners have a hard enough time submitting their paperwork to lenders the first time without it getting lost in the shuffle. On the second time around, if the bank loses your paper work, they will consider the loan back in default and not extend the loan modification (trial or permanent) again. Do you see where I'm going with this? Under 5% of the trial modifications turn into a long term solution.



Our loan modification attorneys use the best technology available to help our clients through the maze of loan modification. I have contacted numerous loan servicers to discuss an automated underwriting system. I even met with industry executives at a loan modification conference in Dallas, TX to discuss the issues in person. After the conference, I concluded that most of the loan servicers and banks are truly more interested in the bottom line & most homeowners are looked at as a risk or return and nothing more. The only way to move forward efficiently is to implement the technology that has driven our country to the forefront of the world. I use organization and automation everyday to keep my firm organized. If the loan servicers would do the same, we could fix this mess sooner rather than later.