Am I Eligible For HARP – Can You Meet These Requirements?

Am I Eligible For HARP – Can You Meet These Requirements?

In order to qualify for the Home Affordable Refinance Program, you must meet specific eligibility requirements.  In fact, if you are wondering am I eligible for HARP refinance, you first need to ask yourself if your home is guaranteed or owned by Fannie Mae or Freddie Mac.  Also, you need to ascertain if that loan was sold on or before May 31, 2009, as that appears to be a prerequisite. Can you meet these requirements?  If so, you will need to continue down the checklist of eligibility requirements. For many people I have discussed this with, I have found that these initial HARP eligibility requirements prevented them from participating.  If you met the first two conditions, you will also need to ascertain your current loan to value ratio.  From my understanding of the program, your LTV must be greater than eighty percent.  There are other different eligibility factors that also appear in need of being met.  This next qualification for HARP eliminated a lot of my friends from HARP.  They would ask me how do I qualify for HARP and I would ask them if they would be current on their mortgage at their refinance time and if they had a good history of payment in the last twelve months.  Unfortunately, they would tell me that they were not current and there was no way they could get current.  Also, they would usually lament that they only payed half of the mortgage payments in the last year. I would tell them to talk to a professional, but from my understanding of the HARP rules, it appeared that they were unlikely to be eligible.

As you can imagine, they were disheartened. If your are in the same situation as my friends, I would still encourage you to read over the eligibility materials as articulated on the www.makinghomeaffordable.gov page to double check your eligibility.  Furthermore, I encourage you and others who have met the first few criteria to look at the remaining qualifications. Simply put, I have not listed all HARP eligibility requirements so far; there is more.  For example, there is also a specific eligibility requirement pertaining to a previous HARP refinance that you need to be aware of.   One thing I really liked about the making home affordable idea is that they give you a resource that you can potentially use to explore your potential eligibility by leaving their site.  I have not personally tried it because I know I am not eligible.  However, you might wish to explore this option further.

If you are confused by all this material and you are still wondering who is eligible for harp, you may want to contact your specific mortgage servicer to obtain their help in ascertaining – do I qualify for HARP? The good news is that I know people who have taken advantage of this program.  It has truly helped them.  In fact, one person told me that they now feel like they have their payments under control.  Thus, do your due diligence and check to see if you are eligible on your own even if you don’t think you qualify based on what I shared of my understanding of the program. They even have a phone number listed as a resource on their page that you might consider exploring.

If you do realize that you are eligible for HARP, you will probably want to examine the steps to HARP refinance as articulated on the makinghomeaffordable.gov site.  In addition to insights on one’s eligibility there, you may also spend some time viewing the videos that they have available.  If you are like me, you often find it easier to comprehend videos than it is to read through information and try to process it that way. If you qualify, you might want to head over to the getting started section.  There you can learn about such things as to what to expect and what you will need.  I will also encourage you to examine the tools section as beneficial materials may be found there to help you.  Finally, I’d like to conclude by encouraging you to explore their glossary section that can be found in their learning area.  In my opinion, the hardest part of doing anything new is not knowing the vernacular.  If you are contemplating a HARP refinance loan, the glossary of terms can potentially help you understand new terms you encounter and could potentially make the process a lot more understandable.  With just a few minutes spent reviewing the glossary, I now have a better understanding of terminology germane to mortgages and refinancing. I wish I would have had that knowledge before I purchased my first place.  If you are interested in the harp loan refinance program, make sure you meet all the eligibility requirements.  If unsure, seek professional assistance.

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What Should I Look For In A Guy – Read This Before You Date

What Should I Look For In A Guy – Read This Before You Date

If you are looking for true love and wondering what should I look for in a guy, here are some important insights you might want to consider before dating.  Let’s face it, many of us grew up dreaming of finding our prince charming and having the happily ever after.  However, we soon found that they call those fairy tales for a reason.  Finding mister right just doesn’t work the way we would like it to.  In fact, finding the right guy means knowing what to look for.  Let’s begin with the basics.  From my experiences, you have to have some physical attraction. This is what I refer to as chemistry.  You shouldn’t necessarily expect every guy to be a super model, but there should be something in his looks that makes you smile.  In the past, I have tried to date guys that have been compatible with me in so many ways, but there just wasn’t an attraction.  No matter how I tried, I just couldn’t change those feelings. Thus, I feel that is a starting point.  However, that is just the beginning.  To have a quality man and a quality relationship with that guy, you need much more.  The next thing you should look for in a guy is similar interests.  No, you shouldn’t have identical likes and tastes, but there should be some overlap in terms of shared enjoyment. For example, do you have things you both enjoy doing like going to a baseball game.  If you don’t possess common interests, it makes it harder to build a relationship and share those experiences in my opinion.

In addition to attraction and common interests, you still might be asking what things should I look for in a guy.  This next item on my list is extremely important and that is why I have encouraged you to read this before you date.  One of the most critical things to look for is shared values. While many people have had successful relationships with disparate values, I have found that difficult.  If one person wants to go to church and another doesn’t, that can be difficult.  Maybe that is not a deal breaker for you, but then you might find that you value spending time with family and he doesn’t.  Thus, another difference in values could create a rift in your relationship.  What makes dating and finding the right man difficult is that it is hard to ascertain these things in a quick meeting on your own.  That is why I really like the www.eharmony.com site.  To me, they appear to understand the importance of compatibility.  You might want to read their materials to learn more about their services and how they work.  I highly recommend them.

With all the above insights, you still might be pondering what characteristics should I look for in a guy.  This is something to take seriously and a simple way to address this, in my view point, is to make a list of things your man should do or be able to do.  For example, what characteristics do you require.  Do you want him to know literature so you can discuss books.  Do you want him to be mechanical so he can repair things around the house.  Do you want him to be outgoing because you have a lifestyle that requires lots of networking situations.  Do you require him to be the decision maker or the follower.  By generating your own list of expectations, you will help define what you feel is important and what to look for.  When I have done this, I have also ranked the characteristics my man should have in order of importance. 

When my friends have been searching for a soul mate, they have taken a what should I look for in a guy quiz.  When asked how that worked for them, I got mixed results.  Needless to say, I have never taken such a quiz myself.  However, I have been known to ask guys questions to see if they are right for me.  I wouldn’t suggest jumping right into them when you first meet, but I think it is important to introduce such questions over the course of a date.  Simply stated, I think ladies should have a list of questions that are deal makers and deal breakers.  Thus when you ask – what should I look for in a man, you should already know three things that you will not put up with.  For example, you may want to ask the guy if he would like to have kids one day.  If his answer is the opposite of yours, I feel you might be well served by moving on.  Over time, I feel one gets better at knowing what they want.  I have had to date a lot of different guys to determine what I want and don’t want.  I also feel that online resources can be helpful in this endeavor.  You might want to explore the eharmony.com page to see if they can help you in your endeavor to find the right guy.  I hope my insights help you answer the question what should I look for in a guy.  Be persistent and don’t give up.

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How Do I Get My Invention Off The Ground – Get It Out There

How Do I Get My Invention Off The Ground – Get It Out There

If you are asking how do I get my invention off the ground then you will appreciate the information provided here.  There are many potential ways to create an invention and get it out there.  I will share with you some of the ways I have utilized and a novel way you just might want to try.  When you are trying to get your invention off the ground, you need to ascertain at what stage your are currently in.  In other words, do you just have an idea.  Do you know how your idea works?  Have you tested it?   Maybe you are at the stage where you should be asking a different question like how do I get my invention made.   Doing an assessment of where you are at is important.  Identifying your particular stage in the invention process is essential in determining how you proceed. 

From my experience, the first question I would pose to somebody that asks how do I get my invention idea started is to ask that person if they have any legal protections on their innovation.  How do I get my invention patented is the most important step in my opinion.  I believe a person needs some type of protection when they present it to others to either make it or invest in it.  Can you imagine showing it to a manufacturer and having that person make and sell it on there own because you had no protections?  I don’t know anyone that has personally happened to, but I don’t want it to happen to me.  Thus, after you have come up with the idea, get it legally protected if possible with the help of a legal professional skilled in that area.  I also like this step in getting your innovation off the ground because it makes you think about your idea in great detail and also helps you refine it. Just putting your invention down on paper and describing it helps one to better understand it I feel.  During this stage, I have made lots of beneficial improvements to my inventions.  With your invention better thought out, you might want to get your idea started by submitting it to the www.quirky.com/invent site.  I have not personally submitted anything to them because I didn’t have any inventions at the time of discovering them, but this looks like a wonderful resource.  Furthermore, I can’t tell you how much I enjoy looking at all the novel ideas they have posted and reading about other people’s success. 

If you are looking for another answer to the question of how do I get my invention out there, you might try this simple approach.  If you already have your product made, create a website for your invention.  Then, share it with people on social networking and tell them how they can obtain it.  The idea behind this is not to become a millionaire inventor overnight.  Instead, this step is meant to create product awareness and in essence test your proof of concept.  If you have created a great product, there should be a buzz that is generated.  But if you find people are not buying it, that might spell problems down the road.  In other words, your idea might be great, but there may be no market for it.  In my opinion, the real reason you do this is that you want to show potential investors and distributors that there is a demand for your product.  This is critical. After all, do you think someone wants to put there money behind an invention that people have bought or behind one that nobody has bought? 

Finally, when contemplating how do I get my invention off the ground, you need to think about taking it to places where decision makers can see it.  Thus, look for trade shows that correlate with your product.  If you have a great idea, your booth at a trade show might catch the eye of an interested manufacturer or retail company.  I always personally look for that type of support because I know that I can’t do everything on my own. Also, take every opportunity to talk to people about your products.  You never know when you will make a sale or when you might encounter someone who can connect you with a person to advance your business. If that is not your preferred approach for getting your invention out there, you might try the approach that is utilized on the quirky.com/invent page. It takes a lot of work to be an inventor.  You will hear a lot of no answers before you hear a yes.  Also, many people might not believe in your idea like you do.  However, you must be persistent and sell your idea and vision to as many people as possible.

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Www.GISRobinsonSettlement.com – GIS Background Check Class Action Lawsuit Settlement

Www.GISRobinsonSettlement.com – GIS Background Check Class Action Lawsuit Settlement

This case is against the General Information Services, Inc. The company provides consumer reports. The reason for the lawsuit is that the people were subjected to employment background checks that revealed criminal records that were expunged. The time period that this should have happened was between December 22, 2009 to March 1, 2014. This means that this negative public record information could affect the person’s employment. You can get more details about the case at the www.gisrobinsonsettlement.com site. The main plaintiff is Kerry Robinson. Kerry says that the company was in violation of the Fair Credit Reporting Act or also known as FCRA.

You have a number of options that you can pursue in the case. The first is to do nothing. When you do nothing in a lot of cases like this you get nothing. However, in this case if you do nothing, then you actually are getting the money. In fact, if nothing is heard from you and you are considered eligible to get the payment, then you be sent a check. So do be looking out for that. If you object, you still stay as a class member and you can still get payment. The only difference is that you are telling the court that you wish to object to certain elements of the case. You have until September 4, 2014 to do this. You can also exclude yourself of course. When you do this, you will get nothing from the case. This is because you have basically taken yourself out of the case. You will no longer be bound by the case and will be able to do whatever you want in terms of taking legal action against the company. You can also participate in other lawsuits about the same matter. You will be able to exclude yourself until September 4, 2014. After this date, you will not be able to do so. You can find out how you can either object to the case or exclude yourself from the case at the official GIS Background Check Class Action Lawsuit Settlement website at www.gisrobinsonsettlement.com.

The final approval hearing will be on November 3, 2014. It is at this hearing where a lot of decisions will be made about the case. The most important decision of course is whether to approve the case. In most instances, the case is approved. However, there are rare occasions when the case is not approved. If your case is not approved, then you will not get any payment. Also any legal actions that you have decided to take will become null and void. So you do not have to worry about them. If you want to know what happens at the hearing, you can go of course. However, if you are too far away or do not have the time or the money to go, then you can check the court documents to find out. These court documents will most likely be posted online at the website. If you do not find them here, you can contact the settlement administrator to find out where you can get the information. More likely than not, the settlement administrator will be able to answer your question. There is a toll free number that you can call. If you speak Spanish, there is a separate number for you to call. So you can select either one.

If you decide to do nothing and hence participate in the case, then you will get about $1500. That is a lot of money. I would participate if I were you because you do not know if you will win if you filed a lawsuit against the company. In addition, even if you win, you may still lose if you are not able to pay your legal fees. Not to mention that hassle of doing all this. With such a large amount at stake, I would suggest that you not even think about going it alone. Just accept the money. You will get the check somewhere around November 3, 2014 or thereafter. The most likely time period that you will get the check is between 30 – 60 days after the final approval hearing. You will have legal representation that is free to you. You do not have to pay them but this does not mean that they are not paid.

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