Can You Handle The Perfect Financial Storm?

Do you remember a couple of years ago, when you got caught up in the real estate frenzy? You watched your starter home go from "affordable" to "I couldn't qualify to buy my own house anymore". We all took money out of our homes to pay off our credit card debt or buy that new car, a swimming pool or pay for a vacation we could never have taken before. Some of us even moved up to that brand new development. It was great. Well, in order to afford the payments, most of us got into a short term fixed rate loan (hybrid). These loans are a great way to traverse a period of time when we know the future will be brighter. Well everyone, the future is now. I want to know if your future is brighter. If it is, great! But if it isn't, what's your plan? Well let me tell you something hope is not a strategy.

The one thing that always happens in times like these is that people wait too long to make a decision. Some of you reading this article have already seen your payments increase. How's that working for you? Not great I'm sure. For the rest of you, what do you intend to do when the reaper comes calling? Do you have a plan? If not, listen up because you may only have a few weeks to get things in order.

As an example of what might be in store for you let me introduce you to some people I know. I will call them Jane and John Doe so that we can all relate. Jane and John moved into a home in San Ramon, California back in 2003. They had decent credit and a small down payment so they were able to secure a reasonable loan that would allow them to scrape by for a couple of years until things got better. After all, John was climbing the ladder at his job and Jane had been at the same company for almost 6 years now.

Everything was going along fine; they even added a new member to the family. John got his raise and Jane took a little extra time off for the baby. Then one day Jane was looking through their paperwork from when they bought the house. She remembered that the loan they got would adjust at some time in the future and then she saw it. In less than 1 month, their rate was going to change but how much? John and Jane both knew that rates had gone up but they had no idea how this would impact them. With the expense of the new baby and daycare how could they afford this radical change? That's when I entered the picture.

John and I were introduced at a recent business mixer. He had my card and called me the next day. After reviewing his note, I explained that his interest rate was about to adjust upward by 3%, but that's not all. His rate would go up an additional 1% every 6 months thereafter for another 2 years unless we saw a dramatic reduction in interest rates. John and Jane had to refinance but now was not exactly the best time. So we devised a plan for them that looked beyond just today and on to the future.

There are estimates in the industry that say $330 Billion worth of these types of loans will adjust upward this year alone. This included John and Jane. Its a common problem right now and one that can be avoided. Even if you are in a tight spot, this is the time to seek out professional advice about your specific situation. Mortgage defaults are on the rise because people are unprepared for what is happening. The days of harvesting our equity to consolidate the debt we just ran up over the previous years is coming to a grinding halt. Property values are flattening out and homes are on the market now for 3-6 months before they get sold. Times are different and we must change with them or we will be run over.

Here are a few steps you should take to get a handle on your situation.

1)Read your home loan paperwork. Specifically, you want to read your "Note" and your "Adjustable Rate Rider". These two items should be about 3-10 pages in length.

2)Call your lender and ask them how your loan works. The customer service number on your statement should direct you to a "knowledgeable" person who can tell you your new payment after your rate changes, when that change will occur and what options you have if any.

3)Get some referrals to a mortgage lender in your local area. Call your Realtor, ask your friends at work, check the local paper for people who write articles and or are featured in some way, not just the advertisers.

4)Call an Expert in Mortgage Lending and get their advice. This is more difficult than you may think. The industry is full of unqualified hacks who do mortgage loans in their spare time. Go onto www.Narlo.com and www.Cambweb.org to search for the person who was referred to you in their member directory. If you can't locate them in either of these two sites, then go on to the next name on your list. If you can't find anyone on your list who is a member of either of these organizations, well then you have a bad list of lenders and I would choose a different lender off the NARLO site, who is in your area.

5)Decide what the best course of action is. It defies logic to bury your head in the sand and think this situation will resolve itself. You must act on the information you have or the inevitable will happen to you. There is a lion waiting in the tall grass for you to meander along and he will pounce on you when your time is up.

We have corrections in the real estate industry all the time. This particular time looks a little different than before. In '97 we had the Dot Bomb to help us. In '94 the Fed called the economy "impressive". Today we have the makings of the perfect storm. These loans didn't exist in '94 or '97 for that matter. This year, rising mortgage payments are coming at a time when homeowners are getting slammed by rising energy costs, gas prices at over $3/gallon and credit card payments at double the rate they were just 1 year ago. The stage is set for a real jolt to our financial lives. Without preparation, we could be diving head first into the perfect storm. It is time to prepare ourselves to ride out this storm and the first place you should look is right at your mortgage.

Your biggest expense can also be one of your biggest allies. Make your next loan a financial instrument to help you get to where you want to be. That may mean debt consolidation or taking money out to buy a passive income producing investment. Whatever it means, you must match your plan with the multitude of opportunities that exist in the lending industry now. Once you have done this, you can sit back and appreciate the fruits of your labor without the worry of financial devastation.

Ed Jeffry and Luke Currier are experts in mortgage lending. They specialize in helping homeowners who have had a bankruptcy or other credit challenge find payment relief, achieve financial security, restore their credit and receive peace of mind. They are also founding members of the National Association of Responsible Mortgage Lenders. Visit their website at http://www.BayAreaLoanAdvisor.com for more information or call them direct at 925-983-3127.

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Mental Stress: Can I Get Workers' Compensation for this in Virginia or Will My Claim be Denied?

In my 30 years of practice as a Virginia Workers' Compensation Lawyer, I have had many claimants contact me and say my work or my supervisor is causing me mental stress. Many times these claimants have gone to a psychiatrist or a psychologist for treatment. Often, the impairment has become so severe they have been taken out of work. They want to know can they be compensated for their lost time through the Virginia Workers' Compensation system. They say (1) my stress happened at work and (2) my doctors say I have lost time and incurred medical bills due to this stress. They say why cannot I be compensated under the workers' compensation law?

The short answer is "NO" as a general rule mental stress is not compensable. Gradual infliction of mental stress by your work or by your supervisor is not an "accident" or a "disease" under the Virginia Workers' Compensation law. As defined by the Workers' Compensation Commission, an "accident" to be compensable must occur at a specific time and thus gradually occurring mental stress cannot qualify as an accident. It is also not an occupational disease unless it can be shown that mental stress is "characteristic" of only that employment which is normally an impossible burden. The Commission has said in the past problems associated with personnel and management are inherent in all employment.

The first exception to the above rule is if the claimant's work is in a particularly high stress occupation it is possible for a claimant to show his or her "mental stress" is characteristic of the employment. For example, the Commission has found an emergency dispatcher was employed in an occupation where stress was characteristic of the employment.

The second exception to this rule is if the claimant has a compensable "accident" or "disease" that aggravates or causes mental stress or depression then the aggravation may be compensable. The typical example of this is the worker who has a severe injury which results in chronic pain. The pain causes depression. In that instance, the depression will compensable. Of course, the treating physician must make the connection between the accident and the stress.

A third exception to the general rule that mental stress is not compensable is if the mental stress arises out of a single specific incident. A typical example of this would be the rescue squad worker who has to go to the scene of a horrible accident and develops a mental impairment due to the exposure to the accident. I had a case involving a school bus driver who had a student point a gun at her head and pull the trigger. The gun was not loaded but the driver developed a post traumatic stress disorder as a result of the incident and the Commission found her claim to be compensable.

In summary, even though your boss has treated you badly, harassed you and has made you go to a doctor and lose time from work, your mental stress is not compensable under the Virginia Workers' Compensation Act. Also, even though you have deadlines to meet which has caused you stress, it is not compensable in Virginia. Nonetheless, you should always check with an experienced Virginia workers' compensation attorney. Your problem may meet one of the exceptions I have listed above.

Submitted by Jerry Lutkenhaus. Please contact me: http://www.virginiadisabilitylawyer.com or you can reach me at http://www.geraldlutkenhaus.com I have been representing Workers Compensation claimants for 30 years in the Central Richmond Area in Virginia. Martindale Hubbell awarded me its highest rating of "AV" in 2003. In the July 1999 issue of Richmond Magazine I was recognized as the One of the Best Workers' Compensation Attorneys in Central Virginia

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Getting The Cheapest Life Insurance Cover Online

When it comes to getting the cheapest life insurance cover then going online is the best way to secure your policy. Even better is going with an independent broker, which can in the long run save you money and will definitely save you the hassle of having to wade through the different insurers yourself for the best deal, even if you know what to look for.

There are many different factors that have to be taken into account when buying life insurance and of course policies are not the easiest thing for the majority of people to understand. The wording and terms used in a policy can confuse most people and often leave them with little understanding of what they are actually covered for.

The main type of life insurance is term life; term life insurance is taken out just to cover you in the event that you should die. It will pay out a fixed lump sum of money to those left behind which gives you peace of mind that at least they wont be left struggling financially. Term life insurance is one of the most popular of all life insurance polices as it is the cheapest policy to take and the easiest to understand. You simply choose how long you want the policy to last. However, unlike some life insurance, the policy only covers you for death and wont pay out after a period of so many years.

When it comes to deciding which type of life insurance is the best for your particular needs then again a broker can help you to choose which would work out the best for you, although of course the ultimate decision is yours. A brokers advice can save you money and will ensure that you get the policy most suitable for your needs. It is essential that you ask if dont understand, there are many exclusions within all types of insurance polices and life insurance is no exception.

David Thomson is Chief Executive of BestDealInsurance a completely independent specialist broker dedicated to providing their clients with the best insurance deal. They offer great value life insurance as well as, critical illness and income protection, ensuring that their clients have the protection they need, without leaving a hole in their pocket.

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How To Monitor Weight Loss?

Too much TV-->Too much junk-food-->Lack physical activity= OBESITY

Childhood obesity is a disease that goes treated with the professional support like: doctors-dietists-psycologists could provide help kids to start this slow and difficult way.

The prevention is basic if assisted through a "Program" based on self-control.

The rules of prevention are:

to reduce the sedentariness: to avoid that our children spend most of their time watching TV and playing videogames influenced by marketing, misleading advertising about sofdrinks, hyper caloric snacks and other foods.

Daily physical activity: a long walking is surely healthier and is the equivalent to waste energy almost 3 times higher than that obtained spending the same time watching TV. Especially are suggested: swimming and biking. The benefits of physical activity are many, from reducing the risk of cardiovascular diseases to improvement of mental health.

Balanced nutrition: the dietetic therapy beyond having the purpose to reduce the weight of child also should educate him and his family to a stable nutrition looking for:

- to reduce the caloric insertion.

- to introduce meals that makes feel gratifyied.

- to control the introduction of fat and proteins of animal origins.

- to increase the contribution of carbohydrates to high absorption like fruit

and vegetables.

- to decrease the quantity of simple sugar.

- to increase the income of fibers with integral food and the daily

insertion of vitamins and minerals.

The overweight's reduction must be gradual and at long term. Planning new nutritional habits either in the child's life or in all family, preventing mistakes in the nutrition from the part of the family members.

The child must feel himself like a protagonist of choosing the food respecting the right nutrition and not consider the hyper caloric diet as an order.

To not become overweight and to live in healthy way it's very important to give a "rhythm" to the daily nutrition.

To the 3 main meals, namely, breakfast, lunch and dinner is necessary to add 2-3 light snacks: yogurth, some fruit or milk avoiding snacks and cracker hypercalorics.

All this to avoid getting the child at the table too starved.

A health feeding education is checking the food's quality but also the quantity of the consumed food. Good quality = right quantity

Eating smarter and being more active!!!

Cinzia Cervellini is a private article writer and owner of blog: http://defeat-childhood-obesity.blogspot.com, a public space where she loves sharing with the persons who asking and looking forward the responses about childhood obesity, issue of critical and increasing importance.

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College Football Picks Week 1 - Part 1

Without further delay, here are free College Football Week 1 handicapped selections: Click on the link under our Bio to access our Week 1 BEST BETS along with the rest of our strong Week 1 plays and angles. Here is a small sampling of our work which is now in our tenth year of professional handicapping.

WEST VIRGINIA(-23) VS. Western Michigan:

On the small list of championship contenders, the West Virginia Mountaineers open the season at home in front of their raucous fans to face the Western Michigan Broncos. With two potential Heisman trophy contenders in QB Patrick White and RB Steve Slaton, the high powered offense of coach Rich Rodriguez should put up plenty of points to begin what could be a special 2007 season. Looking at it in historical terms, teams that come into the season with legit championship hopes more often than not blitz their opening game opponent, especially if they are at home. The -23 spread is quite large since Western Michigan is not horrible. The MAC has a history of playing teams from the big conferences tough and the Broncos do have the ability to run the football. West Virginia's defense is loaded however and this will nullify the main strength that Western Michigan has. This is a bad matchup all around for Western Michigan based on the matchups and I anticipate a blowout to help jumpstart the championship march West Virginia hopes to make.

NEBRASKA(-19.5) VS. Nevada:

This looks like a make or break year for head coach Bill Callahan and the Cornhuskers look talented enogh to save his job. Transfer QB Sam Keller has been groomed to run the West Coast offense and he also has much to prove as as his stay with Arizona was nothing but a struggle, both personally and athletically. Keller is immensely talented and he has what it takes to take this team to great heights. The offense is loaded all around him and if everything clicks, could be one of the top units in college football. Add to the fact that they are playing at home, and this game should be a blowout on a large scale. Using the "EMOTION ADVANTAGE" angle we have been championing for years(check out our website on the under Author Bio below for more on this money winning angle) and this game serves as our first Strong Play of the year(a free BEST BET pick for Week 1 only).

There is no tougher place to play in almost all of college football than Lincoln, Nebraska. 90,000 will be on hand to usher in the new year and with Callahan and Keller both having a tremendous emotional investment in this season, I expect the Cornhuskers to come out flying on both offense and defense. Nevada is an up and down team from the WAC who don't have anywhere near the offensive prowess that Nebaska has and their smallish, inexperienced defensive backfield will open up large passing lanes for Keller to throw to. Bet the house on Nebraska as you combine the emotional AND strategic advantage that they have over Nevada.

Cofounder of http://www.yourwinningpicks.com in our tenth year of supplying sports handicapping and fantasy sports information.

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Landord Insurance a Guide for UK Landlords

Importance of the Correct Landlord Insurance

Like any businessman, one of the critical things for any landlord is the proper landlord insurance. Failure to do this on any level could prove to be a very costly mistake. As a landlord you are running a property business. As such your main asset is your buy-to-let investment. It is vital therefore that you safeguard the value of your property investment should disaster ever strike with the correct landlord insurance.

Do I need specialist landlord insurance?

Because of the nature of buy-to-let property, it is imperative that you have specialist landlord insurance. This is because household policies offer no cover for buildings, contents and landlords (property owners) third party liabilities whilst the property is being let out.

Things to watch out for with landlord insurance.

There are a few things that the novice or first time landlord should do when insuring their property with landlord insurance.

1. Make sure that your landlord insurance policy includes employers liability cover. Most landlords will not think they need to be insured for this, but if you engage anyone to do work on a labour only basis (i.e. they do not supply their own materials) and especially if you pay them in cash, it is likely you will be regarded as their employer in the event of them being injured whilst working on your property. It is also worth mentioning that insurance for employers liability is compulsory by law so if you are deemed to have employed someone you could also have a criminal prosecution for not being properly insured as a landlord.

2. Dont be tempted to under-insure if you do you might save a few quid on your landlord's insurance but if disaster strikes you could be out of pocket by tens of thousands of pounds. That risk reward ratio just isnt worth it!

3. Check the level of your landlord insurance excess. This is the amount of the claim that you are required to pay. It effectively controls the viability of small claims. The larger the level of excess generally the cheaper the landlord insurance policy. However, landlords should avoid going for too high an excess on their landlord insurance as this will effectively preclude making a claim for many of the small more numerous items on their Landlord Insurance policy. An excess of around 100 is ideal.

4. Most landlord insurance companies automatically index-link your policy to make sure that your reinstatement value is maintained in subsequent years. It is worth checking this when you take the landlord insurance policy out.

5. An injury claim from your tenant, visitor or member of the public is potentially the most serious event that could befall a property owner. You therefore need to ensure that you have adequate landlord insurance cover, for example an incident involving carbon monoxide poisoning.

What does my landlord insurance actually cover?

Landlord property insurance has two elements to it. The bulk of any premium relates to insuring the structure of the building. Many landlords let property part-furnished; that is to say with floor coverings, curtains/blinds, fixtures and fittings and white goods in the kitchen.

Most landlord insurance policies include items such as: carpets, laminate flooring, kitchens, bathrooms, white goods, light fittings and curtains. It is always worth checking that this is the case, otherwise it may be necessary to take out additional landlord insurance cover for the contents. This needs to be factored into the overall landlord insurance cost when comparing prices. Items such as furniture are not classed as fixtures and fittings and will need separate cover . Landlord insurance policies will normally replace items on a new for old basis.

It is worth noting that there is normally a clause in the landlord insurance policy in which states that a loss will only be covered if there has been forcible or violent entry or exit. Therefore a landlord insurance policy will only protect you against damage by the tenants and not property theft. This is why having an adequate tenancy deposit is vital.

Finally, check that the landlord insurance policy has some provision for cover against accidental breakage of sanitary fittings and fixed glass such as windows as these are one of the most common areas of damage.

How much should I insure my rental property for?

The level of landlord insurance buildings cover that you need will depends on the rebuilding cost of your rental property. Its possible to carry out a pretty accurate estimation of this using the Building Cost Information Service (BCIS), part of the RICS. This calculator takes account of the area that the building is in, the type of property and its construction and will then generate a reinstatement value on which to base the level of landlord insurance you require.

Where to go to get landlord insurance cover?

There is now a huge range of landlord insurance brokers offering buy-to-let insurance. Many have sprung up in recent years that cater for the rising demand from increasing numbers of landlords wanting insurance. The reality is that there is not a huge difference between the landlord insurance cover offered.

This is because ostensibly there are three or four landlord insurance companies that actually underwrite the landlord insurance policies. The main differences come in the form of price and quality of service of the landlord insurance. One of the beauties but also the drawback of the Internet is that it proffers a huge choice of landlords insurance.

However with this comes the ability of landlord insurance providers to differentiate their landlord insurance products by selling the same landlord insurance product through different channels at often markedly different prices. They do this because they know that they will catch out a certain percentage of consumers that massively over pay due to inexperience or inadequate research.

I would always strongly urge landlords to compare as many rates a possible to ensure the best deal on their landlord insurance.

Property Hawk is a site aimed directly at UK Landlords. The site incorporates free property management software that enables landlords to track all their financial data relating to their portfolio. The site also provides Special Discounted Landlord Insurance. and has an extensive Landlord Insurance Directory

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Airline Fuel Costs Mount

The airlines are huge users of fuel. Fuel costs are higher than even the cost of the aircraft. Surcharges are up to the highest point in the history of the airlines along with the fuel costs at an all time record cost. Airline tickets and airlines live and die on their ability to number one fill up planes and number two, manage their fuel costs. Discount Airlines have been able to keep flights full in order to order to cover costs and keep prices low, but are hurt in quarterly earnings every time fuel prices increase.

When fuel prices stay high, you often see massive downward spirals and negative sector rotations in Airline Stocks. Again it is all about the cost and flow of fuel. It is of interest when we hear talk of our National Debt and how important that is. A Nation is not in danger of financial disaster merely because it owes itself money. The flow of fuel is several times more important than that, because with proper flow and economies of scale, every thing works better and every one wins. Consumers have lower prices and more choices; governments have greater tax revenues due to more commerce and more jobs paying into the system; industry has higher profits and more money to expand; the stock market moves upward provided greater benefits for those who bet on a strong America and therefore greater investment in new companies which provide innovation and research and development to improve the flow of every thing we know. Speaking of the benefits of the flow of fuel to government in the tax revenues, just think of all the fuel the government uses at all levels? Incredible amounts at every level; so incredible that they along with private enterprise spend millions of dollars trying to figure out more efficient methods. The military uses so much fuel it has its own reserves and oil fields and contracted out refineries. It has about enough supply for the entire country for 60-90 days depending on our conservation levels in a crisis situation. Fighting a war takes a tremendous amount of fuel. The modern Aircraft carriers use nuclear power, like the submarines, but the rest of the worlds greatest arsenal uses fuel of various types. And they are always testing different fuels to increase performance in different situations.

These reserves have been used when OPEC plays hardball creating fuel prices above our ability to operate our industries and businesses and keep America employed and the wheels of commerce turning. Opening up the floodgate of supply, lowers the prices and puts the cartel in check. If not certain businesses become un-viable when fuel prices go too high. Think of the military aviation, jets, helicopters, UAVs, AWACs, bombers and even flying gas stations in the sky for aerial re-fueling. It is like running several airlines non-stop 24/7. Generally Airlines too are a 24-hour business. The airline industry is under extreme pressure now.

If they keep raising their fees to passengers then the passenger per plane ratios drop off, meaning flight are unprofitable. If they do not raise the price then they lose money. It is a no win situation and they need some fuel price stabilization, yet an already hampered industry is facing additional crisis from fuel costs. We have seen already four major airlines file bankruptcy and two out of business, two more are facing bankruptcy and several are considered bad risks from ever emerging from their bankruptcies. The flow and costs of fuel are critical to the airline industry and the future of air travel in the World.

"Lance Winslow" - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/. Lance is a guest writer for Our Spokane Magazine in Spokane, Washington

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Mortgage Market Fear

The dramatic reaction and domino-like effect of the sub-prime mortgage market is spreading to the prime market. At its root is a general fear-over-faith knee jerk reaction to rising mortgage defaults, or in some cases, simply fear of defaults. In the summer of 2005, The Chicago Tribune quoted me as saying the 'zero down mortgages were bad for our industry' and bad for consumers - my fellow bankers booed my sentiment. People loose their homes when they can't make the payments and no longer believe they have any equity to in their homes. So is it any wonder that a home buyer who put nothing down, and saw his home value dip even a minute percentage, would consider 'giving it back to the bank' when the payments get tough to make?

For several years we encouraged lenders to consider condo hotel or fractional second home loans, which require substantial 20%+ down payments, and are often borrowed by high-net worth borrowers. For several years, most lenders have opted to go 'up the risk curve' and make sub prime loans with zero down payments, instead of even considering new forms of real estate. The current panic in the mortgage markets is new, but wholly expected by even many of the participants. "We knew we were taking ever greater risks" says an anonymous banker now "but the machine needed the higher yielding mortgages to keep running." Vacation Finance is still making condo hotel, fractional and second home loans at the same terms without interruption.

Why Second Homes are a Safe Haven
Condo hotels produce revenue that help a home owner afford to make the payments. Fractionals are small bites of luxury second home properties, that cost less than owning the whole. Second home buyers typically put 20%+ down payments and intend to someday turn their cottage into a primary home. The emotional home is the cottage, home is where the heart is, not necessarily the home near your job.

The 'contagion' is rolling from sub prime to prime mortgages but share one key element - little to no equity invested by the borrower. If the consumer put significant money down, they have means to ride out the storm, and they won't loose. We predict, if the mortgage woes continue, interest rates are going to be cut shortly, and this will pull the mortgage market out of a nose dive, and breath new life into the real estate market. For more info subscribe to our new blog: www.secondhomes411.com

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