A Personal Mortgage Experience

I don’t know what the mortgage situation is around the world but here in England the mortgage industry is a constant point of debate. It used to be that everyone aspired to having a mortgage on a nice home – you know the kind of house with enough rooms to cater for the average family with 2.4 children. I was no different myself when I first wanted to get on the first rung of the housing ladder ten years ago.

At the time I was living in a council flat (a government housing apartment) with my husband and our baby daughter. The apartment was a fairly decent size but I had gone back to work and my partner was working long hours so we thought that we wanted to stop renting and take out a mortgage [http://www.yestomortgage.com/mortgages] to buy our own house.

I felt quite strongly that I wanted to have a mortgage so that we were not paying ‘dead money’ in rent. We looked around the area we were in for suitable house, nothing too fancy, just a comfortable two-bedroom property with a small garden for our daughter to play in safely as she grew older. We narrowed down our choices to get an idea of what size of mortgage we required. The next step was to approach a number of mortgage providers [http://www.yestomortgage.com/mortgagecompany] to see who offered the best rate for our needs.

It was rare to be able to obtain a mortgage that covered 100% of the property’s purchase price but we were lucky in the fact that a member of my family was happy to make up the shortfall for our deposit. After a few weeks we had our mortgage set up and put in our offer for the house we both loved. All that was left then was to wait to see if the house seller would accept our bid. That was one of the longest waits I had ever had, up to that point! Finally, we received the call that told us that the house was ours! The paperwork was all exchanged and the money from our mortgage transferred into the buyer’s account. Now we could make arrangements to move in and look forward to a long and happy life in our new home or that was the hope at the time.

Unfortunately, my marriage broke down after only a year in our new home. I contacted the mortgage company to see if I could take on the mortgage myself. Sadly, the amount of money I was earning was not enough and the mortgage company refused my application. I had no choice but to try and sell the house and find a smaller property that I could afford by taking out a mortgage in my own right. The house prices in my area, and the majority of England too, were rising at a ridiculous rate and fewer people were able to take out a mortgage to cover the inflated costs. This was the problem that I faced. Eventually, the reality sank in that I was going to lose my house and have to go back into a council apartment and that is exactly what happened.

I know my story is not unique by any means but the situation has got to the stage in this country that no one can afford to get a mortgage to cover the high cost of houses and apartments. This is not restricted to first-time buyers either. I strongly believe that the housing market is going to crash in the near future as there are too many houses for sale that people are unable to obtain a mortgage to buy. The average salary in this country is too low to qualify for a 100% mortgage on a middle of the range house or apartment. I know I am not alone to be in the frustrating situation that I am in at present but I am still positive that the situation will change in the near future and mortgages will be available to cover the cost of a new home. I am looking forward to that day so that my new family and I can stop paying ‘dead money’ in rent and get a mortgage to buy our own family home.

International Blackmailing

We kind of knew this from the 1970s through the 1980s, or at least we talked about it back then, that international blackmailing would become a reality, if we did not put it in check at that moment, and we did not put it in check, and still we have not. It now is a reality, like the EU is now a reality, in the 70s it was loose talk, the ten-nations now are something like 26, but my point is this. All the third world countries have to do is starve its people, and get a few nuclear devices, and blackmailing is next. Like North Korea does, and Iran does, and Pakistan did, kept their people dumb, keep them as followers, take over the country like Burma's generals have, and Zimbabwe has, and all those other countries that get Care Packages, keep the money and buy nuclear capability, and tell the United Nations "Look at our poor people we can't feed them," and demand you get what you want, and usually you get it. If you don't mention the big bomb, and you will surely get it, it's just a matter of a process called international blackmailing. Now they can make a deal with the international community: pay us off, or else! So we send them free food, billions, and free oil, billions, and now the got the best of two worlds, and in essence didn't lift a finger for a thing. They feed their armies now with this free deliver items, and send a few packages down the street to the poor: their priority is to build their arsenals, not feed peasants, like Palestine does, and the terrorists in the hills of Colombia, they could care less about feeding the hungry civilizing folk, so we send more and more food. It is all blackmail, and it works, so why change things. And this new century has all these human right groups, and the news media to start a fire if we don't.

Point two, it all doesn't stop there, we holler we do not want our tax money to go to these regimes in Africa that are using the money to feed their armies, and nuclear ambitions, as we have done in Asia, but the good guys from the United Nations, and the so called representatives of the world, the Human Rights groups, yell at America in particular, if not directly, through the UN, and say "How undesirable and wicked you are with those folks, they are dying by the hundreds, no thousands!" So how did this come about? That is a side they do not look at. It is simple; they are killing their own people with the food they do not have to buy, which they use for weapons. They take (as in Africa) the white man's farms, give it to the black man, and he sits on it like a king, and does nothing, and after a while, it decapitates, like it has in Cuba, which I was there a few years back, and all those once lovely swimming pools, and mansions, are no better than shanties now. Good job Castro. So the money we give to the poor countries, they buy weapons with to kill their own kind, while the human rights groups run to the US, or EU, or UN, to save the day, so we can send more food or money to support the killing soldiers. I am not sure what side these groups are on, but I do know this, Satan is working overtime with planting stupid seeds in their heads.

We seem to say little about the blackmail aspect of these called third world countries, the poor boys down the black, and in most cases the reason they are poor is not because they have to be, but their government wants them to be, because they'd get their heads chopped off by the leaders, if they try jump over the poverty line, it is only allowed for a few to do that. If I was a king of one of these countries, I'd love the Human Rights groups to death, love them morning and night, even send them a free hotel pass, at any five star hotel in the country, if indeed they have one, they get their bread buttered by these folks.

I'll put it in a nutshell; we are enabling other countries to embezzle, to take our tax monies and misappropriate those funds, to kill and starve and build up for World War Three. I can't make it any plainer than that.

What is the solution? I'll say it not so sweet, but up front, and you will not want to hear it, so don't read this part then, but this part is the problem, and we are going to get rid of some of the problems right now: no one wants to hear reality, they want to live in a nutshell. Anyhow, let Israel bomb Iran, and that will take care of the nuclear issue one, therefore another ten-years, and they have enough oil to feed those starving masses if they want to. If not, well, let their president do what he does best, boast.

Second, North Korea, don't give them a dime, let them take care of their own, if the people of North Korea want a dictatorship, let them have it, it's called, create a revolution, like we did in America and fought for our freedom. In most cases, in governments, you get what you deserve, what you've supported. If the people are not willing to fight for it, then perhaps it is not worth fighting for, let the bad guys do what they've been doing, as long as it does not melt out into other societies. As far as the nukes go, blow them up. They are not going to hit South Korea, they may be strange, but they are not that stupid, they will lose the 'goat and the rope.'

Zimbabwe, let's not have a stroke over it, half of Africa is like Zimbabwe. If they can afford to bring in ship loads of arms, they can buy their own bread. If they do not want to buy bread for the masses, then we got a choice, and it should not be blackmail. Go in and dethrone the king, or pay the piper for the rest of our lives, or his, or just let him do what he does best; chop heads until someone chops his off.

The world is getting full of these so called Humpty Dumpy's who will fall sooner or later off their high towering walls. I for one do not wish to pay taxes to keep Egypt afloat, or Palestine armed, or to pacify the Human Right's folks.

Credit Cards to Rebuild Credit - Read More About It

Using the information about credit cards to rebuild credit rating? It sounds ironic. Yet, that is exactly the best strategy that you need to do to regain positive mortgage-worthiness. More ironic still is how most people with poor credit history have made a complete turnaround after carelessly tarnishing their credit image. To give you the details, here is how people take advantage of such in order to rebuild credit integrity.

First, you realize that credit companies (generally banks) are hard on you. You jumped from one bank to another and each time you tried you received the same shrugging shoulders. Then, after some time of hopeless denial you came across a story of a successful rebound.

To be straightforward, you must use secured credit cards to bail you out of your quandary. It is unlike the ordinary cards that you were used to having. Knowing the advantages of utilizing credit cards to rebuild credit reliability can be beneficial in two ways. You can have the usual method of purchasing using your credit cards. Along with that you can have the chance to improve your payment records by being responsible this time around.

With the information above, there is yet a backlash which you should bear in this venture. To use credit cards to rebuild credit worthiness will require from you a deposit proportional to your desired credit limit. Credit institutions need protection from the risks of taking you in. This deposit will serve as your collateral that will shield these institutions from risks of possible delinquency on your part.

It really goes that way when you want to take advantage of secured credit cards. However,you can look at this money deposit in another way. Through this deposit, you will be making the promise of making it good this time and showing them the determination to hurdle the test. After all, the system is all designed for you and for so many others who need restoration in their credit standing.

Agencies are not out to make this system work entirely for their own ends. Credit bureaus and other agencies protect your interest. They are constantly on the watch to help you gain your footing in your desire to make it up.

The government and the private sector have started out with a unique way of a bail-out which is just what people need the most in times like this. This method which pertains to using credit cards to rebuild credit is an example of how you can take advantage of these agencies' way of helping people out of their financial troubles.

Montgomery County - Pennsylvania Injury Attorney On Montgomery County - PA Personal Injury Liability

Products liability law involves injuries resulting from defective products. These are often among the most serious injuries. Products liability cases arise when injuries occur because of a defectively designed, manufactured, repaired, or maintained product. For example, if a company designs automobile airbags which don't inflate properly upon impact, the laws of products liability apply to the injury lawsuits that are filed.

The products liability law in your state may have the concept of strict liability. Strict liability involves the assessment of liability on the basis of the defect itself. The law permits liability to be assessed against the defendant on proof that the product was defective.

If you are injured by a defective product, hold on to the product for dear life. You must have access to the product to have the best chance for success in the lawsuit. If you do not have access to the product, contact a lawyer immediately. Your lawyer can assure that the product is not destroyed. If the product is lost or destroyed, neither your experts nor the company's experts are able to examine the product for defects. It is your burden to prove that the product was defective. So if the product cannot be examined, you may not be able to prove your case. Products liability cases are very expensive to pursue. Expert engineers must testify concerning the defect in the product. The big corporations involved with the design, manufacture, etc., of the product have cadres of lawyers and big budgets. They hope to "paper to death" the opposition with legal motions, petitions, etc. Your attorney must have the know-how and resources to do battle with the big boys. Many P.I. attorneys refer out the products cases that come to them if products liability is not their specialty. Others take every case that walks in the door, intending to learn each new field as it come up.

Because of the expense and time involved in the products liability war, the injuries must be serious for the case to be viable. As with medical malpractice cases, unless the case is worth $75,000 or more it will be hard to find a reputable attorney who will take it.

The Strategic Importance Of Trust In Business, According To Your Strategic Thinking Business Coach

In the world of business today, trust is more important than ever, especially when it comes to your relationships with your clients, customers, employees, and all stakeholders in your business. But what do we mean by trust. Webster's dictionary defines trust as the assured reliance on the character, ability, strength, or truth of someone or something. Your Strategic Thinking Business Coach believes that trust is right at the foundation of the survival and success of any business. Without trust there can be no sustainable business. Trust is a strategically critical issue in any type of relationship because a relationship without trust is not really a relationship at all. Over the long-term, business success is dependent upon a network of positive relationships. Trust is invariably the critical component in enhancing business relationships. The moment a person is not trusted by an individual or team, their chances for success within that group are diminished dramatically.

One of the major challenges and problems facing businesses today is the building of trust internally among the employees, management and ownership to create a healthy and productive work environment. Research has shown that trust is the basis for creating healthy work environments because it forms the foundation for effective communications, associate retention, motivation, and contributions of discretionary energy (from Susan Heathfield, Trust Rules! The most important secret. 2002a).

Your working relationships that have been built on trust are an important sustainable competitive advantage because trust is so valuable and so rare. The level of trust a leader is able to achieve with his or her associates is contingent upon the associate's perceptions of the leader's ability, honesty, and integrity. A study that was conducted to determine whether trust could be a source of competitive advantage. That study showed that trust is significantly related to sales, profits, and turnover. The study also concluded that "the ability of a general manager to earn higher trust from her or his employees likely creates a competitive advantage for a firm over its rivals."

There are certain components of trust that every client, customer or other stakeholder in your business looks for in doing business with you. There are several levels of trust and I have chosen five (5) to present in this article. A first level of trust is trust in technical competence and know how. Clients and customers are looking for someone whose level of competence inspires trust. A statement like "Just trust me!" is woefully inadequate in today's world. There is an obligation and a duty for you to provide explanations that are clear and concise and not overly simplistic.

A second level of trust is trust in ethical conduct and character. Your reputation is paramount and your honesty and integrity must be impeccable.

A third level of trust is trust in your interpersonal skills and relationship. You must ensure that your clients and customers believe that if they tell you something about themselves, their business or any sensitive information, you will handle it with the utmost respect and confidentiality.

A fourth level of trust is trust in you being transparent and open in your business relationship. A lack of transparency will make you much more vulnerable to damaging your business relationship.

A fifth level of trust is trust in you being a "person of your word" and holding yourself accountable in all actions within your business relationships.

Your Strategic Thinking Business Coach encourages you to fully realize the benefits of business coaching to strategically build trust within all your business relationships. If you would like to learn more about how a strategic thinking business coach can facilitate and guide you in that endeavor, please contact.

Running Benefits Top Ten: Improve Your Health Today

Why should you start running? Check out these running benefits to learn why you should start your running routine today. The reason that you run might be the great runners high, the act of staying healthy, or something completely unique.

As with all exercise, you may not always have the motivation to run, and get your daily exercise. Fortunately, it can also be a truly amazing experience where the benefits far exceed the drawbacks. That is why we have created these running benefits- to keep you going and remind you why you love to run.

Benefit of Running 1 - Stress Relief

Whether I'm feeling pressure at work, feeling anxious about a problem, or just need to clear my head, I always feel better after running a few miles.

Getting out of the house of office is a great way to feel less stressed. The fresh air and exercise naturally allow your body to decompress. Better yet, if you are feeling overly stressed, take out your aggression by running sprints.

Benefit of Running 2 - Losing Weight

Whenever you get out and run, you are taking a step in the right direction of weight loss. As a matter of fact, you will burn more calories per minute by running than most other sports. No matter your weight loss goal, running is the perfect place to start.

Benefit of Running 3 - Prevent Future Bone Loss

Our body is made to adapt to the activities and strains that we make it endure. If you sit in front of a computer screen for eight hours of your day, your bones are not being stressed, and grow weaker. If you choose a proper running training program, you will significantly improve your chances of fighting osteoporosis.

Benefit of Running 4 - Make Your Heart Healthy

If you are looking for a great way to improve you heart health, running is your best choice. Not only does it reduce the risk of blood clots, it also raises HDL cholesterol levels. Running strengthens your heart, and as a result, lowers blood pressure. That is not it! Running will also help your arteries by making them less rigid, a common health issue amongst individuals.

Benefit of Running 5 - Make Your Immune System Happy

If you incorporate a running training program into your life, you will naturally produce more of those disease fighting white blood cells. As an added boost, you will notice your lungs are becoming stronger. You will be exercising that capacity that is rarely in use.

Benefit of Running 6 - Discover the Runners High

Many runners run for that illusive runners high. It is something that keeps them coming back, even amongst the worst weather conditions. If I'm having a bad day, or just lacking energy, going for a run outdoors always seems to turn my attitude around. Your body naturally releases endorphins. This is what causes that natural high that makes the run worth the effort.

Believe it or not, running is often recommended for individuals that are dealing with depression or those addicted to a substance. People who follow this advice will usually discover this high and use it as a way to feel better about their situation.

Benefit of Running 7 - Get Rid of Diseases

Not only has running been reported to reduce your chances of heart attack, breast cancer and stroke, it has also helped people who are at high risk of diabetes, osteoporosis, and hypertension.

Benefit of Running 8 - Find Your Inner Coordination

Have you ever wanted to be one of those people with great coordination? Try adding running to your workout routine. Whether or not you realize it, by running you are teaching your muscles to work together, making you that much sharper during your exercise.

The best advice is to run outside. You will encounter surfaces that are uneven. These naturally strengthen your ankle and leg muscles. These obstacles allow a runner to improve body control to prevent tripping or from becoming injured.

Benefit of Running 9 - Improve Your Self Confidence

No matter how you view athletes, if you decide to get outdoors and run, you are an athlete. Every time I begin training for a new race, I'm amazed at how quickly I see a difference in my body's strength and endurance.

By setting these goals, you will notice your confidence improved. You will now be considered a runner! If you are seeing your body change, and losing weight as a result of running, a gain in confidence is sure to follow.

It is an amazing feeling to finish that first race (or that tenth, for that reason). The camaraderie that you feel amongst your fellow runners will inspire your next race.

Benefit of Running 10 - Running Makes You An Athlete

Running allows you to train on so many different surfaces, in different conditions, in so many different locations. Running will allow you to become that athlete you once were, or perhaps the one you always wanted to be. If you want to be in charge of your own health, take up running. Your will not need to rely on anyone but yourself.

Running only requires you to get some shoes. It is a cheap way to get some great exercise. Run anywhere you want. There is nothing to stop you from exercising in any conditions that you wish. Make the best decision of your life and become a running athlete. You will impress yourself.

So what are you waiting for? Get yourself a new pair of shoes and a running training schedule and hit the road. The running benefits are yours to take.