Can Underwater Mortgages Be Refinanced?

Homeowners have watched anxiously as the values of their homes have decreased dramatically. Historically, when home values have dropped, we have seen the housing market bottom out and gradually begin to rise again. However, in our current economy there is no indication that homeowners are going to be able to recover from the enormous discrepancy between what they paid for their home and its current actual value. Approximately 25% of Americans are carrying mortgages that are underwater. And, many Americans are beginning to ask themselves whether they should stay in a home with an underwater mortgage or if they should just walk away.There are several factors preventing people from taking advantage of the lowest mortgage rates we have seen in a long time. The most prevalent reason is that the mortgage is underwater. The decreases in home values have left many people with little or no equity in their homes. Typically, if you do not have any equity in your home, you cannot refinance your mortgage. Additionally, qualifications for refinancing have become much stricter. The days of obtaining a “no documentation/no verification” loan are long gone. Lenders have also raised the bar on credit requirements. As more and more people struggle to survive in the current economy, credit ratings are falling. This increases the difficulty of qualifying for a refinance, even for people who are current with their mortgage payments.There are, however, some limited options for underwater homeowners. The Federal Housing Authority (FHA) and the Home Affordable Refinance Program (HARP) may offer opportunities to refinance. In order to qualify for these options, homeowners must be current on their mortgages. People who are delinquent with their payments need to try one of the loan modification programs first. The FHA and HARP programs are designed to help lower monthly mortgage payments. The biggest drawback to these programs is that the bank who holds the current loan must agree to write off a percentage of the mortgage principal. Many banks have been unwilling to do this, frustrating homeowners that are continuing to make payments on a home with negative equity.Another program requirement that is frustrating homeowners is the three-month probationary period. Once a homeowner has qualified for a refinance under the FHA program, the new mortgage payment is required to be made on time and in full. If the homeowner fails to meet this requirement, the new payment arrangement is revoked. However, if the payments were made on time, the homeowner is supposed to be granted this arrangement permanently. However, lenders have stretched this probationary period to six or even ten months. The unwillingness of lenders to uphold the three-month program requirement has left homeowners so aggravated that they walk away from the program even after they have qualified.Underwater mortgages can be refinanced if you are willing to put in the hard work. It takes a lot of patience on the part of the homeowner and willingness from your current lender to help you stay in your home.


Nooka Unisex ZUB-ZENH-GL-20 Zub ZenH Glow in the Dark Polyurethane Watch

ItAAAs possible that the designers of the Nooka Zub Zenhn 20 Watch got inspiration from HAL 9000AAAs central data core. Or perhaps theyAAAre trying to prepare us for a future where all written language is in lines and barcodes. How the hell do you tell the time with this watch? Well, the top row shows hours 1-6, the second row shows hours 7-12, the third row minutes 0-59, and the fourth seconds 0-59. Plus the Zub Zenh has a chronograph and alarm.

Product Features

  • Housing Material: polyurethane
  • Strap Material: polyurethane
  • Heart Rate Monitor: no
  • Digital Compass: no
  • Chronograph: yes
  • Backlight: no
  • Computer Compatible: no
  • Water-Resistant: yes, 3ATM
  • Alarms: 1
  • Weekday Indicator: no
  • Battery Type:
  • Battery Life:
  • Face Size:
  • Weight:
  • Recommended Use: casual
  • Manufacturer Warranty: 90 days

More Info

Dee Zee | 11-3105 | Chevrolet | S-10 Pickup | L4, 2.5 | Tailgate

Dee Zee, Inc, based in Des Moines, Iowa, is celebrating over 28 years as a leading supplier of aftermarket truck accessories. Dee Zee announced their arrival with the introduction of 12 custom fit britetread or extruded aluminum running board applications at the 1977 Sema Show in Las Vegas. From that November to today, Dee Zeesâ mission is to market the highest quality truck products while satisfying the needs of their customers. Dee Zee has expanded the initial offering of 12 boards to over 120 running boards and accessories. Their product lines now boast over 80 different toolboxes, 20 tube products, 34 Mossy Oak® Break Up ⢠CAMO products, and 32 heavy-duty products. The various product lines account for over 2,000 total SKUâs.
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VPN Services Vs Proxy Services

VPN Services and Proxy Services – An Important Distinction
As we work our way through Virtual Private Networks and how they can be utilized to ensure that Internet security is never compromised, it’s important to distinguish the difference between VPNs and Proxy Servers. Once they are defined, our hope is that you have a better understanding of the differences and the various elements that can leave you unsecured with one of them. While both can grant you access to websites even if you are in a nation that censors the internet, only one of them can protect and encrypt the information sent and prevent others from storing or viewing your session.Virtual Private Networks
VPNs, as they are called in the digital realm, provide a private intranet that individuals that have log-in information can access. When accessing a VPN, all information uploaded, downloaded, or otherwise transmitted is encrypted, ensuring that anyone who views the transmissions is denied the ability to read or use it. Even other users from other segmented intranets on the same VPN provider are not given access to the information, so your browsing or sharing session is completely privatized.Proxy Servers
Often confused with VPNs, proxy servers also provide a tunnelled connection to the Internet. However, they provide a completely different avenue of service. Proxy providers give you a way to circumvent specific restrictions and access the Internet through another, international, location. This is important when government restrictions prevent you from viewing specific websites. What they do not do, however, is encrypt your browsing session, which can still leave you vulnerable to cyber-attacks or spyware.When you are using a VoIP platform, for example, your VPN provider will encrypt everything, guaranteeing that your conversation remains private. If you have the same VoIP conversation via a proxy server, you may avoid specific roadblocks along the way, but ultimately the information is still floating “out in space”.Speed is another discrepancy involves the speed of Internet access. Virtual private networks will always tend to run a bit faster than proxy servers largely in part because of the technology employed. When you access via a proxy server, the proxy sends a request to the site, which then sends the information back, and directly connects you to the website. VPNs tend to work faster, partly due to the better hardware/network that is typically being used with such a service.Use a virtual private network to prevent prying eyes from stealing your personal information, maintain a high browsing speed, and ultimately protect yourself from any other cyber-threats that exist.

Ironclad General Utility Gloves GUG-04-L, Large

GENERAL UTILITYTM Synthetic Leather Reinforcements Reinforced in critical areas for maximum durability. Patented Palm Design Excellent dexterity & durability. Hybrid Cuff System Secure fit with built in quick release safety feature. TPR Cuff Puller Get your glove in the proper position faster. Terry Cloth Sweat Wipe Conveniently located on the back of the thumb. FEATURES – US Patent #D514771 – TPR knuckle protection DESCRIPTION The original high performance utility glove. A comfortable, form-fitting glove designed to handle all of your day-to-day tasks. BEST USES Shop, Home, Delivery, Clean-up, Construction, Equipment Operation, Rigging, Yard Work
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Email Systems Security – Dedicated Appliances Are The Key

Maintaining an in-house email system involves major appraisal of security risks and implications for the smooth running of any business. This can involve activity far beyond the task of installing and maintenance of Microsoft Exchange systems – it involves a major focus on the security required to ensure your Exchange Server stays up and running effectively. For a full and frank assessment, it is wise to discuss your individual situation with an expert IT security consultant – every business has different needs. However, here are a few hints and tips to help direct such a discussion, and focus on the key elements of email systems security.Mail ServerA mail server is a standard computer whose dedicated job is to distribute emails into and out of your company. Consider it rather like an electronic mailroom. As with a real mailroom, in small companies an existing PC can be used to manage mail. Larger companies require dedicated computer hardware to distribute and store emails.SpamSpam is unwanted email. It’s fairly harmless and generally just wastes your time and clogs up your system; although it can also cause offence. An integrated security system can, for example, use removal lists and sophisticated pattern-matching to weed out spam email and equally ensure wanted emails get through.VirusesViruses are more serious than spam. Viruses are malicious attacks on networks in general, or even your business in particular. The motive may be to disable your system, find out information about your business, theft, or simply malice. Either way, you need protection – and now’s the time to get it. Any business, even a sole trader, cannot afford to be without anti-virus protection in today’s corporate environment.Webmail and VPNsWebmail is the function whereby your staff can pick up their email on the move or from home. VPNs (Virtual Private Networks) are systems which allow information to be securely transferred online between branch offices or other physically removed locations over the internet. Email protection products allow you to set up such services so that whilst you are protected, your staff has no need to sacrifice remote working.Firewalls and Perimeter SecurityIgnoring the complexities, the logic of a good firewall is to prevent any rogue activities from getting into your computer systems by stopping them at the front door before they come anywhere near your own systems. A wise move is to configure a separate, dedicated security appliance as a first and major first line of defence between the wider internet and your mail server.About Security AppliancesYou have probably heard of anti-virus software- it sits on your computer and protects the system against software attacks. However, a security appliance takes such protection orders of magnitude further. With a security appliance, the protective software lives on its own piece of hardware. This has several benefits. For example, all your own equipment is freed up to run your business, dedicated machinery cannot itself be compromised – it is designed to do one job alone; maintenance costs are low, as problems are easier to diagnose, and a security appliance will take care of spam and viral threats, leaving you to get on with running your business. There are many proprietary names in this field, and any IT network consultant would be able to advise on procurements and costs.

rooCASE (Flamming Red) Neoprene Sleeve Case for Olympus T-100 12MP Digital Camera Blue

Limited Lifetime Warranty. Like a kangaroo safely carries her young in her pouch, rooCASE offers protective solutions for your precious electronic possessions. rooCASE designers work with your needs in mind, ensuring that cases have not only sturdy exteriors, but also the right-size pockets for smaller accessories. From this starting point of practicality, our designers then consider what”s hip now. Choose from an array of functional yet fashionable cases for your laptop, netbook, or handheld or other electronic device. With rooCASE, quality and craftsmanship meets cutting-edge design.
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