Evaluation Of A Home Loan Modification - 1359 Words

A detail a superior home loan modification company will not overlook is to see if you meet the prerequisites for any government backed home loan modification programs. There are numerous plans out there that let homeowners do a mortgage refinance to lower interest rates, even if the loan is upside down. Check into refinancing first because if you qualify for refinance you will not benefit by home loan modification. Modify mortgage loan services work for homeowners with credit issues. If you are not eligible for any refinance programs, free government loan modification is the next crucial step. To do this, you need a home loan modification company. The greatest home loan modification services will prequalify you to make sure that you will get approved if you use them. This is done several ways. You may need to talk with a loan modification attorney or underwriter to make sure you meet the criteria. Under in force strategies of the lender. Next, the company should have a loan modific ation attorney look over your mortgage clause for any variations that can be used to pursue the lender to do a free government loan modification. The company should also speak with your mortgage company and also talk with a case manager to see if you meet the prerequisites for home loan modification. Lastly, the home loan modification company should be certain that your income to debt ratio is in the 3% window for meeting the prerequisites for a home loan modification. If you went through allShow MoreRelatedHigh Cost Mortgages : A New Office Of Housing Counseling1498 Words   |  6 Pagesafter a loan. New provisions are introduced for calculating adjustable rates alongside definitions for points and fees. When customers receive high-cost mortgages, they have to obtain pre-loan counseling given by a certified counselor. The Act also stipulates there are additional Requirements to Existing Residential Mortgages. The changes to existing contracts are disallowing Balloon Payments and prepayment penalties and a ban on the practice of encouraging defaulting on an existing loan when refinancingRead MorePractice Of Nursing1517 Words   |  7 Pagesand modification. Auspiciously, the revolution is going to bring lots of prospects that will be linked to a greater role that nurses have to play. This is not restricted to acute care settings like hospitals however is going to outspread to other settings. The author of this essay will confer the anticipated modifications in the practice of nursing in deference to the conception of continuum of care, nurse managed health care clinic (NMHC), accountable care organization (ACO), medical homes andRead MoreHsbc Case Study1316 Words   |  6 Pages HSBC not only originated mortgages, but was also buying subprime loans from other sources to increase its revenue. Many of these loans didn’t even require any down payment and were given to quite a â€Å"risky† category of borrowers with blemished credit histories. In some cases borrowers only had to state their income and job position without any verification. By 2007 this risky lending technique turned to be a major problem. As home values started to go down, interest rates were increasing and manyRead MoreGm: Running on Empty? - Solutions Essay example823 Words   |  4 Pagesstarted in 2004 to 2008. In 2005, GM’s stock traded around $19 per share and reached the lowest of $1.45 per share on March 2009. 2. Auditors are required to consider evidence obtained and accumulated throughout the audit and make an overall evaluation as to whether substantial doubt exists with respect to the ability of the client to continue as a going concern for a reasonable period of time not to exceed one year beyond the date of financial statements. Factors that auditors should considerRead MoreAssistive Technology1683 Words   |  7 Pages| Assistive Technology Evaluation | EDU 620 Meeting Individual StudentNeeds With Technology Instructor: Deborah Naughton | | Rhonda Reed | 11/20/2013 | | Assistive Technology Evaluation Assistive technology evaluation must be in an initial or three year reevaluation. In addition, to the assistive technology is that it’s an ongoing process which is driven by a lot of changes in the student needs, but not limited to the participation, access, curriculum, or environmental changesRead MoreThe American Education System Is Important For National Prosperity And Individual Success1424 Words   |  6 Pagespresentation fissures, progress teaching quality, expand impartiality, and increase effects for every student (ESEA). In 2010 the President Obama sent a reform to Congress regarding the No Child Left Behind Act. Another establishment found in this modification was the plan to exclude the requirement that all students be skilled in reading and in math by 2014. In place the reform would make it a goal of having all high school graduates considered college-ready or career-ready by 2020. The revision encouragesRead MoreStrategic Management and Machine Shop1495 Words à ‚  |  6 PagesInc DATE: 09th December 2010 Introduction to the case: His entrepreneurial spirit drove him to leave a stable career and convert his part-time engine reconditioning business into a full-time endeavor. He moved from a shack next to his trailer home to a small hut that he rented for one month. After renting the hut he moved to a stall in a service station. With neither a business name nor a business license, Pat had little control over parts and profit. When the opportunity came to rent a largerRead MoreThe Current Recession and Mortagage Foreclosure2993 Words   |  12 Pagescontinue to be plagued with an influx of homes falling victim to foreclosure or some other form of default. Each home that is a casualty to a foreclosure, short sale or even bankruptcy was collateral for the lender holding the promissory note. The consequences tend to come at a cost for the lender selling the property but a deal for the buying investor. The costs incurred and the losses experienced by the affected financial institutions has required ongoing evalua tion of their business models to accountRead MoreThe Foreclosure Outbreak2828 Words   |  12 Pagesin every 593 housing units received a foreclosure filing. (N1) That statistic is for just one month! Some states such as Arizona, California, Florida, Michigan and Nevada continue to be plagued with an influx of homes falling victim to foreclosure or some other form of default. Each home that is a casualty to a foreclosure, short sale or even bankruptcy is secured as collateral for the lender holding the promissory note. The consequences tend to come at a cost for the lender selling the propertyRead MoreEssay on Coffee Crisis3997 Words   |  16 Pagesresults in low liquidity which subsequently hinders their access to credit from traditional financial intermediaries. As a result they are vulnerable to predatory lending composed of higher than average interest rates as well as highly collateralized loans. The required margins for futures and required options premia may be prohibi tive. For example, if a small-producer wants to trade futures he must pay a $2,800 initial margin and later a $1,110 maintenance margin; a total of $3,910 (NYBOT.org). As of

Group Proposal - 3127 Words

Running head: GROUP PROPOSAL Group Proposal Group Counseling Rationale for Group Proposal: As a reflection of societal culture, schools serve as primary units of socialization for children and adolescents. Through their prescribed curriculum, rules and disciplinary actions, schools communicate societal messages to students and the community at large regarding appropriate norms, values and beliefs. Unfortunately, at times, these messages can communicate rejection and intolerance towards certain populations. This is often the case for gay/lesbian/bisexual (hereinafter g/l/b) individuals. Despite the current multicultural counseling trend, the g/l/b population remains unrecognized and ignored by many school counseling professionals. G/l/b†¦show more content†¦When a counselor chooses to work with the g/l/b population, he or she should assess their own attitudes, knowledge, skills, and commitment to this important work. In his journal article, Meyer (2003) researched the prevalence of mental disorders in g/l/b individuals. G/l/b individuals were found to be more likely than heterosexuals to suffer from substance abuse disorders, affective disorders and suicidal ideation. Suicide, in particular, is a serious social issue. It has been found that g/l/b adolescents have rates of suicide attempts at least four times those of heterosexual youth (Bagley, 2000). Meyers (2003) contends that minority stress (i.e., stigma, prejudice, and discrimination that creates a hostile and stressful social environment) causes increased mental health problems. There are three processes of minority stress relevant to g/l/b individuals: (a) external, objective stressful events, (b) expectations of such events, and (c) the intern alization of negative societal attitudes. However, g/l/b persons can learn to cope with and overcome adverse effects of stress. Group counseling is one avenue that can have mental health benefits. Through a group, g/l/b individuals are allowed to experience a social environment in which they are given supportShow MoreRelatedTeens and Depression/Group Proposal and Literature Review2582 Words   |  11 PagesGroup Proposal and Literature Review U07a1 03/08/13 Introduction Depression is a disorder that affects the lives of hundreds of thousands teenagers in the United States. Kuehn, B. (2009) states that the â€Å"US Preventive Services Task Force (USPSTF) recommends screening adolescents aged 12 through 18 years for depression, but only when systems are in place to ensure proper diagnosis and to provide psychotherapy and follow-up care† (p. 2085). Adolescents need to be heard and understood. A therapyRead MoreGroup Proposal4283 Words   |  18 Pages1 Running Head: Learning with ADHD Learning with ADHD: Group Proposal HS5241 Group Counseling and Psychotherapy 1246 PineCrest Ave Hagerstown, Md. 21740 Telephone: 240-217-7757 Email: Snalley06@yahoo.com Instructor: Tina Pone Learning with ADHD 2 Title The Journey: Learning with ADHD. Background/Justification Children with ADHD are in need of a group that will help to improve their academic functioning. This group would be important for children with ADHD because those withRead MoreEvaluation Of A Group Proposal1984 Words   |  8 PagesMcBride Group Proposal The proposed group is for adolescents that have been discharged from the inpatient unit and group therapy with peers going through similar experiences is offered as a continuation of treatment. At discharge clients will be screened by their treatment team who will decide if the adolescent is best suited by individual, group, or family therapy as exit inpatient treatment. The group would be held at the facility and referral and screening are nessicary to enter the group. TheRead MoreGroup Proposal Project4576 Words   |  19 PagesGroup proposal project: Support group for alcoholic young adults Ashley Lanier Liberty University Introduction and Rationale Type of group The group is a group for young adults struggling with addictions to alcohol. The location of this group will be near Camp Lejeune in Jacksonville, NC. With a major portion of the population being military it is obvious after looking at statistics that individuals who are in the military are at a higher risk to abuse alcohol and the majority of themRead MoreIntervention Group Proposal Paper : Intervention Proposal1984 Words   |  8 PagesIntervention Group Proposal Paper By Renee Van Natter Longwood University November 26, 2014 SOWK 425 â€Æ' Intervention Group Proposal Paper For the purpose of this paper I will be structuring my group based on that I am employed by Chesterfield Community Corrections. Chesterfield Community Corrections is made up of seven different agencies and I work for the domestic and sexual violence resource center. I will be running a group for survivors of domestic violence. However, before I discussRead MoreEssay Small Group Proposal1375 Words   |  6 PagesSmall Group Proposal Mental Health Group for Adolescent Boys                            I.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Abstract- brief statement summarizing concept and rationale for the group The small group that is being proposed is designed for adolescent boys, ages 13-17, who have been recently diagnosed with a mental illness. The focus of the treatment group is for the boys to come to accept their mental illness using the seven stages of death designed by Elizabeth Kubler-Ross. Read MoreQuestions On Group Counseling Proposal3651 Words   |  15 Pages CNDV 5312 Group Counseling Proposal Angela Neal Lamar University CNDV 5312 Group Counseling Proposal Around 50 percent of all marriages in the United States today end in divorce (Cherline, 1992; Popenoe, 1996, as cited in Potter, 2010). There are several contributing factors. Infidelity, addictions, abuse, lack of intimacy, conflicts, finances, and changes in views of success, priorities and interests could all be reasons marriages fail (Payne, Olver, Roth, n.d.). Divorce not onlyRead MoreA Sample Group Counseling Project Proposal4294 Words   |  18 PagesA group Counseling Project Proposal - sample INTRODUCTION What is Group Counseling? Purpose of the group counseling varies from group to group. It can be therapeutic, educational, or helping people to make fundamental changes in their way of thinking, feeling and behaving (Corey, 2004, p. 7). Group counseling/therapy has the advantage of being more effective than individual therapy because, it more closely stimulates social interactions and interpersonal communication patterns than does individualRead MoreFinal Course Project : Proposal For Group3110 Words   |  13 Pages Final Course Project: Proposal for Group Michelle Conklin Lamar University Final Course Project: Proposal for Group There are many factors that influence divorce, such as adultery, financial strain, and just simply growing apart. Divorce has a huge impact on all of the parties that are involved, especially children. Children may end up in poverty situations as well as deal with a huge range of emotions. Through this group proposal, I will be looking more in depth at the behaviorsRead MoreA Creative Group Proposal for Assisting Veterans1372 Words   |  6 Pagesindicator behaviors that include avoiding, conversations about the trauma or related topics, activities, places, or people that bring up trauma memories. The creative arts activity is find what specific symptom is most distressing for the specific group member and to draw out how they have managed when this symptom arises. Apprehension and anxiety: Anxiety is a common and natural response to a dangerous situation. For many veterans it lasts long after the trauma has ended. This can happen when a veteran’s

Drainage System in Kathmandu free essay sample

Though government has made many commitments to improve the present status of sewage management but no serious actions has been taken in this regard. Wastewater treatment facilities are very limited, and where provided they suffer from chronic disrepair, maintenance and operation problems, and are often non-functional. If the rate of disposal of this sewage goes on with this present situation then it will be very hard for all inhabitants of the city. The problem has been further intensified by immense increase in population of urban areas which ultimately increases the problem.The Kathmandu Valley which is the center of administration, commercial, social and economic activities is the most densely populated region in Nepal where the population has been increasing rapidly. During the last three decades, the growth in population has been significantly driven by in-migration. The rapid un-planned urbanization of the Kathmandu Valley has brought negative impacts to its overall development. We will write a custom essay sample on Drainage System in Kathmandu or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Lack of operational wastewater system facilities has converted all rivers of valley into a highly polluted watercourse.Congested and crowded roads brought hardship to travellers and road junctions became garbage dumping sites. Despite these negative impacts, the urbanization of the Valley continued at a similar rate for the last 10 years. The oldest sewers in the core area of Kathmandu, Lalitpur and Bhaktapur were built during the Malla period for conveyance of surface drainage and domestic sewage. The sewerage system of the core area was further developed during 1898 – 1950 by the Rana dynasty.The drainage system was further developed in various five years plan and various legislations are also been made. Although there is a legal requirement to connect wastewater pipes from a property to a sewer if the public sewer is within 30m, few property owners are willing to do this. Also there is lack of co-ordination between various government agencies, such as municipalities and others working on the sewerage sector in the Valley. 5. Proposed Methodology This is a descriptive type of research.

Located Thirty-seven Miles West Of Krakow, Auschwitz Was The Essays

Located thirty-seven miles west of Krakow, Auschwitz was the camp where Jewish people were killed and worked. This camp , out of all the rest tortured the most people. At the camp there was a a place caled the "Black Wall," this was where the people were executed . In March of of 1941, there was another camp that started to be built. This second camp was called Auschwitz II, or Birkinau. It was located 1.9 miles away from Auschwitz I. Peple that were chosen to come to these camps were expelled from their homes. Their houses were destroyed for the pupose of buildinf Birkinau. Birkinau had nine sub-units. They were separated from each other by electrically charged fences that lines their borders. In August 1942, the womens section at Auscwitz I was moved to Birkinau. Nine hundred and ninty-nine women from Ravensbruck camp and other women from different camps joined them also. Birkinau now had over 6,000 women prisoners being held. In the town Monowitz, another camp was being built. This camp was called auschwitz III, or Buna-Monowitz. Other camps that were located close to Monowitz were moved to Buna-Monowitz. The population of Bikinau was the most densly populated out of all the camps. It also had the most cruel and and bad conditions of all the camps in the complex. The prisoners at Birkinau mostly consisted of Jews, Poles, and Germans. There were a number of Gypsy and Czech Jew family camps located at Birkinau for a period of time also. In Birkinau, the gas chambers and the creamatoria, where the bodies were burned operated at auschwitz I. Birkinau and all the other sub-camps were mostly forced labor camps. The most recognized of the labor camps are, Budy, Czechowitz, Glenwitz, Rajsko, and Furstenarube. The prisoners here were worked to the piont of death. Trains transported people to the camps, and violently forced them off the train. All of the people's property was left on the train also. They prisoners were sent into two different lines, one for women and the other for men. The lines moved into the place were a procedure called Selektion took place. The ones who could work were not killed ot this time, but the women, children, and others that couldn't work were gased. The prisoners that were to work, had their clothes taken, heads shaved, got sterilized, and were given black and white striped clothes to wear. In the forced labor camps, the average life time was only a few months. Some of the prisoners that couldn't react or move became what was known as Muselmann. A dreaded part of camps was the Appell, or roll call. In this, prisoners were sent out into the cold night after a hard day of work, and lined up. Anyone that fell to the ground was shot or gased. One more of all the bad work chores was the Sonderkommando. Dong this meant that you burned the bodies of the dead prisoners in the creamatoria. Tattoos were given to the prisoners on their right arm as an easier way of registration. Not all of the earlier prisoners had this tattoo, but the regiterd number of prisoners was 405,000. The daily routine in the complex differed in each camp, but the basic routine was the same. They: woke at dawn, cleaned their areas, morning roll call was taken, they walked to the work site, worked for long hours, had to wait in lines for food, then walked bback to their bunks, block inspection was done, and then evening roll call was taken. There were also people who got picked for medical experiments. The best known docter at Auschwitz was Josef Mengele. His experiments were mostly done on twins and dwarfs. He did lots of things that had to do with seeing how ling it would take a person to die if you do this or that. He also did experiments that had to do with cutting off body parts, and reattaaching them to different parts of the body. By January 20th, 1944, the population of the Aushwitz complex had reached 80,839. That number rose up and up as the monthes past and more prisoners came. The first gas chamber to be used was bult in Auschwitz I. The gas that was used in the chambers was called Zyklon B. In Birkinau, the largest number of people that could be killed in the gas chambers was 6,000 people daily. The gas chambers lookes just like shower rooms. The prisoners were told they needed to be cleaned before work, and were then killed