Mrs. Mon E. Penny
Over 20 years of experience in business and finance. MBA graduate with honors. Spent 10 years in executive corporate employment. Currently running my own business and writing in the Atlanta area.
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Why Bankruptcy Fraud is Fraud ItselfProsecution from bankrutpcy fraud is an oxymoron. Unless Media, Money or Manpower are involved debtors who commit fraud will receive their BK and creditors will pass on the costs to debt paying consumers -
Why Debtors Should Not Fear Bankruptcy FraudThe bankruptcy system warns of facing prosecution for fraud while attorneys highlight it on their websites. But the reality is even when given proof of fraud there is little chance of facing dismissal or criminal charges.
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Five Ways to Have Your Business Run More EfficientDoes your small business run efficently? Companies like Walmart,Sears,Kmart,UPS and more have learned how important this is. Its time you apply similar measures to your own company and do a complete analysis. -
Five Key Steps to Start Up Business SuccessCompanies like Microsoft, Apple and Forever 21 were once start up companies. Their business success was due to following five key steps. -
First Person: Why Small Businesses FailFortune 500 companies like Walmart and Target were once small businesses. The reasons they succeeded into mega giants is by not making the same mistakes as other companies that failed.
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The Top Five Business Mistakes to Not Make for 2011With a New Year in your small business should come a year long plan on marketing such as social medial like Facebook or Google,sales, cost control and growth. Its time to look at your business in terms being successful to survive into 2012. -
The Top Five Regulatory Changes for Businesses for 2011Changes in social networking,IRS enforcment,unemployment insurance and more are coming for 2011. It is important that small businesses be aware of new laws or requirements that could affect your company. -
How I Planned a Trip to New York City on a BudgetTraveling to New York City can be done on a budget. Use these key points to save money and enjoy your trip. -
How I Sold My Home and the Mistakes I MadeSelling a home is a hard job for the realtor, homeowner and even the buyer. Simple mistakes can become costly one quickly. Here are a few tip from my home selling experience of what to do and not do. -
Why Community Involvement Is Good for Small BusinessCompanies such as Wal-Mart,Target, Facebook,Twitter, Sears and more all find ways to give back to their local communities. Although charity and IRS tax write offs are a bonus, helping to build up a business and its reputation is priceless -
First Person: Building a Successful Business Relationship With Your SpouseMany small businesses today are family owned, with spouses working together. But keeping working and personal relationships going isn't always easy. Here are five steps to a profitable union.
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First Person: How to Fire or Layoff Employees From Your Small BusinessSmall business owners don't like to fire or layoff their employees. Most view their workforce as family and have more personal interaction than medium to large companies. Here are five ways to help make the decision work best for both parties.
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First Person: Why Buyers with Bad Credit Should Be Wary of Car Loan WebsitesUnemployment,foreclosures,reduced income has produced millions of Americans with bad credit. Many of whom need car loans. But do those websites offering you a easy bad credit car loan really deliver what they promise? -
Unusual Tax Deductions for Small Business OwnersNot all small business tax deductions are well known and there are quite a few that you may not have thought of. Here is a list of tax deductions that you may be able to apply to your business. -
First Person: Professional Presentations for Small BusinessProfessional business presentations are not hard to do. Here are some great ideas for your next meeting or sales pitch.
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Should I Advertise My Business on Facebook?Facebook is competing with Google in advertising ads. But an analysis using www.SaveMeCoupons.Com as an example, proves that its target market analysis may not produce desired results.
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Five iPhone Must Have Apps for Your Small BusinessiPhone apps are more than just games and music. Apps are now available that can be a smart part of your small business. -
New Tax Laws that Will Take Effect in 2011 for Small BusinessSmall Businesses need to prepare now for the new tax law changes that will take place in 2011. -
Does Google AdWords Favor High Paying Clients for Ad Approvals?Many internet business owners small and big understand the importance of having a account with Google Adwords. However, evidence suggest the internet giant plays unfairly on who it choose to rank high or even at all.
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Five Mistakes to Not Make for the IRS on Your Small BusinessThe IRS for 2010 has become more agressive. Hiring more agents and acquiring new tax laws that will allow it greater monitoring of your businesses income and expenses. But for now lets prepare for finshing 2010.
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Five Rules of Social Networking for Your Small BusinessFacebook, Twitter, Linkedin and more have become part of the marketing world of small businesses. But it is still important to remember basic rules do apply
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The Top Ten Things Customers Want from Your Small BusinessSmall Business owners need to know what their customers want from them and provide it. Large corporations such as Apple, Microsoft,WalMart,and more have learned this skill. It's time now for the small business owners to do it as well.
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The Top Five Free Sports App for Your iPhone iPod iPad or iTouchEveryone loves some kind of sport. Football, baseball soccer, hockey, tennis, golf and more. Apple apps have come out with some amazing sports games for your ipad, itouch, ipod or iphone. Best of all they are free.
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The Top Five DVD to Video iPod Softwares to Purchase OnlineLooking to convert your DVD's and Videos to your iPod, iTouch, or iPhone? Then check out these top five software packages you can purchase online to make the most of enjoying your Apple product.
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Starting 2011 IRS Will Be Stalking EBay Sellers and PayPal UsersFor years the IRS has wanted to find a way to tax the once huge business of selling on eBay. Finally in 2011 with the creation of the new 1099 K the goverment hopes to collect on the last frontier of true capitalism.
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How Obama's HAMP Program was Suppose to Work to Prevent ForeclosuresObama created the Home Affordable Modification Program or HAMP to reduce the flow of foreclosures. For many homeowners being underwater isn't as big an issue as having an affordable payment. The focus needs to shift.
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The Top Five Free Travel Apps for IPhone, IPad or ITouchTraveling by plane, bus, train or even car can be stressful enough. But with these great apps from Apple for your iPhone,iTouch or iPad, the job can be so much easier. Especially when they are for free.
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How President Obama Could Use Federal Grant Money to Stimulate the Economy and Job MarketUnemployment and economic recession continue to plaguge the US Economy. Ideas to stimulate growth have falled far short. President Obama needs to use Federal grant money to recharge the frozen US Economy.
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The Top Five Business Apps for the iPhone, iTouch or iPadSmall business owners are always on the go, so apps provide a great service for iPhones, iPad and iTouch users. Here are five great free apps to use for your business.
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The Top Five Business Softwares to UseToday, business software is affordable to the smallest of companies. From accounting to marketing management, all software provides a service that increases profits and saves on time management. They are available for MAC and PC.
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How to Become a Actor or ActressMany dream of becoming a actor. Some as children other as a adults. Some want to become the next Johnny Depp,Julia Roberts,Twilight or Harry Potter star. But first there are steps to take.
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How to Screen Job Applicants for EmploymentIn a tough job market with many applicants for one position, employers need to make sure they have a process for screening. This should make the job search easier and prevent possible discrimination.
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Five Ways to Add Money to Your Savings AccountLearning to save money is a new habit for consumers to experience. Most have been able to rely on credit to cover the slow times, but with the economy that option is no longer available. Time to add up your Starbucks money.Also published on:
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Which Auction Site is Better to Sell My Business Products on EBay or Amazon.Com?Many small and internet based businesses want to expand their customer base by selling on auctions sites like eBay or Amazon.Com. But which one is better?
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Five Free Ideas to Improve Your Small BusinessBusinesses are always looking for way to increase profits and bring in customers. Here are five free ideas to help your small business grow.
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Why it May Be a Great Time to Relocate Your BusinessHeadlines scream about commercial real estate as the next real estate recession. This may be bad news for commercial landlords but it may be good news for business owners. Is it time to move?
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Is it Time to Audit Your Business Website?If your business website is more than 24 months old, it is time to do an audit. Here are several steps to take to make sure your web presence isn't obsolete.
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Will I Owe Taxes to the IRS If I Do a Foreclosure or Short SaleWhat your realtor might not tell you is that short sale or foreclosure could cause a tax liability to the IRS. Many homeowners are surprised when the 1099C shows up in their mail.
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The Top Five Real Estate FraudsBe careful when buying or selling a home. Fraud can come back to haunt you years after you sold it. Here are the five top real estate frauds that could land you in legal trouble.
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Five Factors to Look for when Hiring a Realtor to Buy or Sell a HomeChoose the right realtor, agent or realty to say I sold it or bought it. There are five important factors to look for. Whether you are in Coral Springs, Palm Springs or anywhere.
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Review of Universal Orlando Resort the Wizarding World of Harry Potter AttractionUniversal Orlando has finally opened the Wizarding World of Harry Potter. The attraction has been heavily advertised worldwide for Harry Potter Fans. But don't expect magic, expect disappointment.
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Five Ways to Improve Sales in Your Small BusinessProfits and sales define a small business. Without both, a business is doomed to fail. Here are five key points to making sure those sales improve and your profits soar.
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Five Mistakes to Not Make When You Are Unemployed or Laid OffDuring this tough economy many families and individuals have faced job or income losses and long term unemployment. Here are five crucial mistakes to not make when facing a layoff, firing, unemployment or business loss.
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How to Maintain Employee Morale in a Depressed EconomySmall businesses need to value their employees and boost morale. Here are five essential points to maintaining a positive work environment.
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Consumer Review of Pantene Pro V New Curly Hair Series ProductsAdvertistments are everywhere for Pantene Pro V Hair series for women with different hair issues. This article reviews the Pantene Pro V Curly Hair Care product line. Don't waste your money.
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The Top Five Free Casino Apple Apps for the IPad IPhone or ITouchMaybe you are taking a vacation to Las Vegas and want to practice? Or maybe you just like the casino games for fun. Here are five free apps from Apple to play on your iPad iTouch or iPhone
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The Top Five Social Networking Free Apps for IPhone ITouch or IPadLooking for great free apps from Apple for your iPad iPhone or iPod Touch? Here are five great social networking apps
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5 Great Jobs that Senior Citizens Can Apply for or DoWith today's high unemployment and low stock market, many senior citizens are choosing not to retire because they need extra income. Here are five jobs seniors can do to stay in the job market
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Why You Should Hire a Small Business Coach for Your BusinessMany small business owners need help to manage their growth, business, finances, marketing and more. A small business coach to help pave to way for greater success.
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Top Five Franchise Businesses to Buy for EntrepreneursWith high employment and fewer quality jobs available, many job seekers are looking at start up businesses like a franchise. Here are the top five to consider for a entrepreneur.
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Five Mistakes to Not Make When Doing a Loan ModificationGetting a inhouse loan modification, US Treasury Obama HAMP or Home Affordable Modification can be difficult. Many are denied due to simple mistakes. Here are five important ones not to make.
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FDIC Loan Modification Success Story Indy Mac Bank Now OneWest Continues to Fail in Obama HAMP Loan ModificationsFDIC Sheila Bair in 2008 boasted about IndyMac Bank loan modification success. Today One West Bank in US Treasury Obama HAMP loan modification report for April shows loss share agreement consequences and continued failure. More foreclosures to come.
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Five Fun Activities to Do on the Weekend in Atlanta GeorgiaLooking for something to do in atlanta that isn't for tourists. Here are five great adventures that can make your weekend just a little more exciting in Atlanta Georgia
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Lenders Are Not Completing Obama HAMP Trial Modifications According to Supplemental Released by Treasury DepartmentObama HAMP making home affordable program has told lenders servicers how to move borrowers from trial modifications to permanent after the third trial payment. Why are lenders not following the Treasury Department's requirements?
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How to Fight Back on a Denied Obama HAMP Loan ModificationMany blogs are filled with desperate homeowners who have received denials in their HAMP loan modifications. Don't assume the lender was correct. Fight back by verifying your information and reasons for saying no.
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How to Buy for Your Small Business in the Great RecessionWith the great recession still in full swing and pockets of recovery, many businesses have failed and will continue to do so. This creates a great market to purchase items for stronger survivor small businesses.
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Why it May Be a Good Idea to Sell Your Business in 2010 If You're Near RetirementMany business owners are considering retirement in the next few years. It is important to realize that the tax laws of 2010 may affect how much of that money you get to keep or have to give to the goverment
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How to Hire the Right Company or Contractor to Finish Your BasementA finished basement is a great renovation or addition to your home. It is important to hire the right contractor or company to do a good job at a fair price. Here are some tips for hiring.
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Why LG HDTV Plasma and LED TV's Are Great Buys for ConsumersLG produces amazing electronics on their HDTV Plasma TVs. You can buy them online and prices are well worth it. LG has become a great consumer buy.
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Five Great Tips for Homeowners when it Comes to Dealing with Gutters and MaintenanceHomeowners need to take care of cleaning their gutters and repairing them during the year. Here are some great tips when it comes to hiring a company to do the job
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How Internet Cyper Attacks Can Affect Your Small BusinessInternet virus attacks affect small businesses with data breaches and cyber attacks. It is important to understand how this can affect your business reputation, clients, profits, and legal exposure.
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Top Three Romantic Restaurants to Wine and Dine in Atlanta, GeorgiaTaking your date out for a special night in Atlanta Georgia is easy. Here are three great restaurants with romance, great wine and amazing food.
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Whitewater Rafting on the Ocoee River in the Blue Ridge Mountains with Rolling Thunder River CompanyWhite water rafting in the Blue Ridge Mountains of Tennessee and Georgia is a great adventure. Site of the 1996 Olympics the Ocoee River offers fun and adventure, especially with The Rolling Thunder River Company
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3 Fun Retirement Villages for Seniors to Enjoy with Great Amenities and ActivitiesSeniors today are looking for places to retire that offer great value for their money, an active lifestyle and stimulation for the body and soul. Here are three places that offer that and so much more.
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The Top 5 Best and Must Have Accessories for the iPadHere are five must have items for your iPad.
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The Top Three Microbreweries in the State of Georgia to VisitGeorgia has some of the best brewery for beers. Many offer tours and have produced beer that is enjoy all over the country. Here are the top three microbrewry in the state of Georgia.
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The Best Sports Bars to Visit in Atlanta, GeorgiaSports bars have become popular. NFL football, NBA basketball, NHL hockey PGA golf and more can be enjoyed in these great sports themed locations. These Atlanta bars offer great specials. Here are the three best in Atlanta.
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The Top 5 Most Reliable USB Drives to Purchase for Your Computer or LaptopUSB drives for computers and laptops have replaced paper, disks and CDs. They make for easy downloads. Here are the top five most reliable and best USB drives for your computer or laptops.
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The Top 5 Movie Making Software for Amateur FilmmakersWith the popularity of Facebook, MySpace and YouTube, many of us want to try movie making to upload videos to share with family and friends. Here are 5 great software programs that make movie making easy and fun.
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Great Tips for Your Home AppliancesHome appliance maintenance is important on refrigerators, dishwashers, garbage disposers, microwaves, ovens, washers and dryers and more. Here are some great consumer tips.
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The Top Three Places in Atlanta that Serve the Best Burgers in TownBurger combinations are endless and are done to the personal taste of millions. Atlanta knows that making the best burger in town can be a big win for business. Here are three burger places that did it right. Come eat and enjoy.
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Great Places to Go to on Your First Date in AtlantaFirst dates are tough. You don't want to go to romantic but you don't want an atmosphere that is loud and distracting. Here are three great places to take that first date on.
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How to Use Linkedin to Benefit Your BusinessSocial networking for your business, like facebook and linkedin are a great way to get your small business noticed. Here are several way to maximize how prospective and current clients view you and your business.
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Great Weekend Escapes or Getaways to Chicago, Miami or New York CityA weekend getaway is perfect for a spur of the moment trip. Great destinations for a quick vacation would be Chicago, Miami or New York Ciy. Here is how to make the most of a quick trip or romantic getaway
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How Your Credit Score Can Affect Your Business and Your LifeWith millions of Americans facing financial crunches or unemployment credit scores how become harder and harder to keep high. Consumers and business owners face a uphill battle to keep credit scores from going bad
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The Three Best Little Coffee Shops in Atlanta, GeorgiaChains like Starbucks nad Barnies have taken the love of coffee to a new height. But small hometown coffee shops are making a comeback into our morning pick me up and our personal lives.
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The Top 5 RV Parks that Cater to Senior TravelersWith today's senior population not interested in slowing down RV parks that cater to the baby boom population are growing. Check out these top five RV parks that are fun for the 55 and over crowd.
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How to Throw a Great College Graduation PartyGraduating from college is a huge success for any parent or family to enjoy. It is a time of celebration as a dream is fullfilled and a graduate moves on to enjoy working in their field of study.
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More to Offer Than Just Beaches - The Top Non-Tourist Places to Visit in Ft Lauderdale, FloridaVisiting the tourist city of Ft Lauderdale is more than just beaches and cruise lines. Here the city is filled with little places visit that can make the most of your vacation.
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See What Orlando, Florida Has to Offer Off the Beaten Tourist PathOrlando has more to offer than just Disney, Universal Studios or SeaWorld. There are great places to visit as a tourist that can be the hidden gems of the biggest tourist city in the world.
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Ten Best Non Tourist Sites to Visit in Miami, FloridaMiami is more than South Beach and Nightclubs. This city offers much to see beyond the normal tourist sites. Here are the top ten places to visit that are not on the tourist map.
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The Top 5 Spas to Visit in Atlanta, GeorgiaWhether you are looking to give a gift to yourself or someone else in Atlanta these top spas are amazing. From a relaxing massage to a great facial, any of these choices would be perfect.
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The 5 Worst Vehicles to Drive on the RoadHere are the five worst vehicles to drive everyday on the road regarding safety, reliability, gas mileage and more. With problems regarding Toyotas check your car against the list.
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How to Buy a Home After Foreclosure3 million foreclosures expected and Obama's HAMP (Home Affordable Mortgage Program) is not working.
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Are Ex Mortgage Brokers and Originators Doing Loans Despite the National Mortgage Licensing System or NMLSThe NMLS, National Mortgage Licensing System, was created to help eliminate mortgage fraud, bad mortgage brokers and originators. Instead kickbacks are allowing those without a legal license to still receive payments on homeowners loans
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A Visitor Guide to Traveling to the Florida EvergladesEach year thousands of tourists take the time to visit and enjoy the Florida Everglades. This trip is a wonderful way for those traveling in Florida to enjoy the best of nature.
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Five Things to Do to Prepare Your Business for DisasterSmall businesses need to be prepared to deal with disasters and possible business interruption. Here are five musts for small business owners.
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How to Do a Successful Loan Modification on Your MortgageLoan modification success with lenders. Lenders verses borrowers. Borrowers need to become educated on the modification process and what it takes to get success and the NPV.
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Great Tax Write Offs for Your Small BusinessBefore sending your business return into the IRS make sure you took advantage of tax write offs and business expenses. With a bad economy and high unemployment many people have become entrepreneurs and small business owners.
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How to Book Cheap Bargain Flights When TravelingLooking to book a cheap travel ticket for a quick getaway or a trip at a later date. Then here is the guide to helping you get the best airfare deals when traveling for that trip
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A Guide to the Best Night and Dance Clubs in Atlanta, GeorgiaGoing clubbing in Atlanta is easy with our great mix of music, nightlife and DJ talent. Here is a list of dance clubs that have a great party mix and serve up the drinks to match.
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Reese Witherspoon Back in the Dating Pool with Hot Agent Jon TothActress and film producer Reese Witherspoon is returning to the dating arena after a quiet break up last year. Her sight set on Jon Toth agent in the Creative Artists Agency
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Lifetime Learning Credit for 2009 Tax ReturnsMake sure to take advantage of the Lifetime Learning Tax Credit available for taxpayers families for continuing education beyond high school. Here are the requirements and limitations of the credit according to the IRS.
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Earned Income Tax Credit for 2009Verify if you meet the requirements of the earned income tax credit for 2009. It's important to know you have to file a tax return. It is available to low to moderate income working taxpayers.
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State Goverment Needs to Stop Complaining About Foreclosures and Get Involved in Loan Modifications with New LawsMonth by month state by state reports come regarding foreclosures. For Obama's Home Affordable Modification Program or HAMP to work states need laws to slow down foreclosures and curb lenders.
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US Treasury Department and Obama HAMP Still Adding Costs for Loan Modifications for Borrowers with Attorney FeesOn the US Treasury Obama Making Home Affordable Website lenders are to stop foreclosure sales if borrower in HAMP loan modification program. But files are still being forwarded to attorneys costing borrowers thousands of dollars.
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Ten Great Tips on How to Maintain Your Wood DeckWood decks are a great way to enjoy those spring days and summer nights. But they do require maintenance to last. Here are ten great tips to make your wood deck last.
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Five Great Way to Upgrade or Make Changes to Your GarageThe garage is a great way to have storage and organization. Here are five easy changes to turn that garage nightmare into a dream you can show off to the neighbors.
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Great Cheap Storage Ideas for Your Mud RoomStorage ideas for your mudroom do not have to be expensive. Here are some cheap ideas that can make your mud room become the dream storage area you always wanted.
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How to Add Latice to the Bottom of Your Deck to Make a Room Out of Dead SpaceThe space beneath your deck does not need remain dead. It can be used for storage, a outdoor room or privacy by simply adding inexpensive decorative lattice. Here are easy instructions on how to do it.
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National Mortgage Licensing System Allows Borrowers to Review Their Mortgage Broker Background but Still Has LoopholesThe National Mortgage Licensing System came out in 2010 with a consumer access program that lets borrowers review the background of their mortgage broker. Mortgage fraud still exists with brokers and corporations in states like Florida, where ...
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US Treasury Press Release January 2010 of HAMP Obama Home Affordablity Program Still Wrong for Loan Modifications and ForeclosuresForeclosures will continue under Obama's Home Affordable Modification Program in 2010. The revision done by US Treasury Department January doesn't address problems of loan modifications. Again Obama is out of touch with middle class America
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Here Are the Top Five Restaurants to Dine at in Houston, TexasPlanning on dining out in the great city of Houston. Then here are the top five places to enjoy with friends or celebrate a special occasion in Houston Texas. Great to wine and dine.
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Obama State of the Union Address Stayed Far Far Away from Addressing Foreclosures, Loan Modification Failure of HAMP and Wall StreetTax cuts, employment, small business loans were Obama's state of the union speech. He stayed far away from talking about his failure with HAMP the home affordable modification program, loan modifications and housing. No housing No recovery
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The Top Three Seafood Restaurants in Seattle, WashingtonDining out for seafood isn't always easy in Seattle. But if you know where to go you can find fresh quality seafood at great prices. Here are the top three places to dine for seafood in Seattle.
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Dining Out for Seafood in Phoenix is Easy to Do, If You Know Where to LookDining out in Phoenix Arizona for seafood is easy. This city offers a great selection for a couple looking to celebrate a special evening or a fun night with friends.
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The Top Three BBQ Places to Eat at in Atlanta GAAtlanta is known for its southern hospitality, great pecan pies and of course BBQ. The selection for dining is huge but here are the top three places to eat dinner or lunch in Atlanta Georgia.
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Did FDIC Chairman Sheila Bair, Obama HAMP and US Treasury Department Deal with OneWest Bank Deny Loan Modifications for HomeownersWhen OneWest Bank was IndyMac Federal under the FDIC Loan Modifications were being completed. Once taken over by OneWest Bank loan modifications have all but ceased, deal made by Sheila Bair with taxpayer money may be to blame.
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Buy Apple IPhone, MP3 Players, ITouch, IPod Accessories, Apps and Mac Do Not Buy Dell Inc Products Support Companies that Support AmericaHow many American families has Steve Jobs,founder of Apple,which created iPhone,iTouch,iPod,Apps sells MP3 Players evicted from their homes? none. How may American families has Michael Dell,founder of Dell Inc evicted from their homes? Thousands.
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Do Not Do Donations or Donate to the Michael and Susan Dell Foundation. Dell Investor in OneWest Bank Foreclosing on American HomeownersDo Not Donate To The Michael and Susan Dell Foundation. Michael Dell investor in OneWest Bank formerly IndyMac is denying loan modificaions for American families homeowners and foreclosing ignoring rules of Obama HAMP Home Affordable Modification Program
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Top Five Romantic Restaurants in PhiladelphiaLooking for a romantic restaurant in Philadelphia for Valentine's Day, a special occasion or a romantic eveing? Then here are the top five restaurants in Philadelphia to make your romantic evening special.
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The Top Five Most Romantic Restaurants in Vancouver, British ColumbiaThe 2010 Olympics have placed Vancouver in the spotlight again. Voted as one of the "most liveable" cities in the world, this amazing city has it all. Including some of the most romantic restaurants. Here are the top five.
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Obama Announcement on Banks Size and Trading Still Missing the Big Picture on Economic Recovery. Get Something Accomplished from Start to FinishObama announces a call for limiting size and trading activities of banks or financial institutions. With foreclosures still rising, unemployment with no end in sight,modifications denied, this does little to aid the economy.
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The Top Five Best Steakhouses to Eat at In or Around Atlanta GeorgiaFor steak eaters the right steakhouse is essential. It has to have good food, a great bar, a fun atmosphere and delicious desserts. Here are five great steakhouses in Atlanta Georgia.
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An Explaination of the NPV or Net Present Value that Lenders Are Using to Deny Loan ModificationsOneWest Bank formerly IndyMac Bank and other lenders are using the NPV or Net Present Value to deny loan modifications. Here is a explaination of what it is according to Obama's HAMP or Home Affordabale Modification Program
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Report Release by US Treasury Department Jan 2010 Shows OneWest Bank Still Failing at Loan Modifications for American Homeownersreport Jan 15 2010 US Treasury Department Shows OneWest Bank formerly IndyMac Bank poor performance on loan modifications. 1,226 permanent loan mods. FDIC deal no incentive. OneWest forecloses on borrowers in modifications
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Ready for Romance? Here Are the Top Five Romantic Restaurants in Minneapolis the Twin CitiesLooking for a romantic night out for Valentine's Day? How about for a special occasion of dining in the Twin Cities? Minneapolis offers wonderful romantic restaurants. Here are the top five best places to eat. Enjoy!
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The Top Ten Christian Social Networking Sites to VisitThe internet offers many Christian based social networking sites. Here are the top ten to visit while still keeping your faith.
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Do Not Donate to Haiti Thru Dell Inc Founder Michael Dell Owner of OneWest Bank Not Doing Loan Modifications According to Obama HAMPDell Inc asks employees to donate to Haiti. While founder Michael Dell investor in OneWest Bank formerly IndyMac Bank denies loan modifications under Obama's HAMP program that should have been approved and forecloses on American homeowners.
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Top Five Most Romantic Restaurants in Phoenix, ArizonaLooking for a romantic dining place in Phoenix. Then check out these amazing restaurants that offer great dining, a romantic atmosphere and won't cost you a lot of money to say I care.
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How to Mix and Match Your Black and White Clothes to Give You Great LooksHere are some great ideas to mix and match our love of black and white clothes. Most women love these two colors because they are safe and make us feel good. Here are some great ways to have lots of looks for a little closet space.
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The Top Five Business Degrees to Earn from CollegeDeciding which degree in college to major in is very important. The wrong choice could place you on the low pay scale with large student loans to payback. Here are five business degrees can turn into a high paying salary.
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Styles of Marc by Marc Jacobs Clothes Are for Real Women Who Like to ShopHere is a review of where to shop and buy these great clothes at great prices.
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Leasing a Car for Your Business is Smarter Than PurchasingLeasing a car for your small business makes sense. Especially when you consider car insurance, car repairs, car loans, and more. Make sure to review the lease agreement. Also known as commercial vehicle lease.
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Do Not Buy Dell Computer Laptops Owner Michael Dell of OneWest Bank Foreclosing on American Homeownersbuy dell laptop mini cheap computers Michael Dell. foreclosures Americans with loans no trial loan modification. Michael Dell notebook computer desk memory. No purchase dell computer stock jobs foreclosing HAMP Obama Treasury OneWest Bank George Soros
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The Top Five Best Sleek Ear Buds for Your MP3 Player, IPod or IPhoneWith MP3 player, iPods and iPhones giving us the ultimate in music and downloads, having the right ear buds is a must. Here are five sleek deals that will make your music and downloads sing in perfect harmony.
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How to Make Facebook Part of the Internet Marketing for Your BusinessFacebook has become part of the internet web like Yahoo, Google and Apple's iTunes. Adding Facebook to your business internet website and marketing will expand your customer base. Here is how to make Facebook a part of your business.
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How to File Bankruptcy for Your Business, Partnership or Sole ProprietorshipYour small business is failing or has failed. Now its time to consider filing bankruptcy 7 or 11 from creditors or debts. This require attorneys, money and legal advice from an accountant. Here are is a guide to doing bankruptcy for your business right.
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What Happens when You Are Arrested or Convicted on a DUIDUI arrest, DUI conviction, employment DUI, arrested for drunk driving, drunk driving accident
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Five Clip Art Websites that Are Really and Truly FreeHere are the top five websites that are honest and give you the clip art for free. Clipart is great for projects, web design, and powerpoint. These are the free clipart websites. They have no membership fee.
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The Top Five Wine Bars in Atlanta, GeorgiaThese great restaurants feature excellent food and wine bars. For a night out, party, romantic dates or a intimate celebration check out these wine bars that feature great bottles of wines. The food is good too.
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Wine Tasting Notes on Five Amazing and Affordable Red WinesWine tasting notes on five great red wines to give as gifts or presents for the holidays, Christmas, or birthday presents. You can buy them at your local wine store, supermarket or online.
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Obama and US Treasury Department Earn a F on Report Card for Modifications for American TaxpayersObama HAMP or the Home Affordable Modification Program was to save millions of Americans from foreclosure. Instead lenders who signed up for HAMP or received TARP money foreclosed on millions of Americans. US Treasury Dept and Obama failed.
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The Top Five Websites to Purchase a Domain NamePurchasing your domain name isn't hard to do. The difficulty will be in finding the name you want available. Here are the top five website to purchase or buy your domain name from.
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The Top Five Online Colleges to Get Your Degree FromHere is a list of the top five colleges to attend for a online degree. They offer programs in technology, business, medical and technical. These colleges and universities offer assistance with financial aid.
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Five Truths of What Debt Consolidation Can Do for YouDebt consolidation is not a cure for solving a borrowers debt woes. If used correctly debt consolidation can help. Talk to your credit card company try to negotiate your bad debt and credit card bills if you can not make the payment
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What is Mesothelioma?Due to 911 mesothelioma has become a medical term that we are seeing more and more each day. But what is it and how do you get it? It has been linked to abestos.
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Why You Should Hire a Car Accident LawyerHave you been in auto or car accident? If your injuries have left you unable to work or perform your everyday activities, then it may be time to seek legal advice. Here is some advice in helping you find the right attorney.
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Five Great Brain Game Apps for Free on the AT&T IPhoneWhen you are bored play some brain games on your ATT iPhone for free. Here are some great free apps and uploads of games for your apple iphone. They were released. Great applications to teach.
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Five Beautiful Year-Round Hiking Trails in the State of GeorgiaThe state of Georgia offers great trails to enjoy with each change of the season. If you are a avid hiker living in Georgia or visiting as a tourist these five trails offer enjoyment for all skill levels.
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Some Nicknames Are Better Forgotten in the History of BoxingWith famous boxers selling us grills we wonder where their nicknames come from. Some make sense like Iron Mike Tyson, Big George Foreman, Evander Real Deal Holyfield, and The Champ Mohammed Ali. Others are the worst nicknames in boxing.
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Why is Soccer Not More Popular in the United States?The world cup attracts millions of TV viewers every year. But here in the US soccer lacks the interest and money to make it a top sport. That may change in the future if the sport receives more financial and fan interest.
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How to Set Personal Financial Goals for the New Year 2010It is time to get your money matters in order. Make it your New Years Eve Resolution to set personal financial goals for 2010. Look at your debts, such as credit cards,car payments, expenses and other spending and see what can be reduced.
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Looking for a Safer Investment? Try IRAsLooking for a safe investment for retirement that will grow and not be easily subject to a volatile economy, money or financial fluctuations. Then check out the boring safety of a IRA. Boring can be good.
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US Treasury Department Asleep as Borrowers Race Lender Foreclosure Vs Their HAMP Loan ModificationThe US Treasury Dept announced it will go after lenders regarding HAMP. Borrowers race foreclosure on their homes while trying to get a loan modification. Obama's program failing as lenders cherry pick loan mods.
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Five Mistakes to Not Make When Filing BankruptcyAmericans are filing personal and business bankruptcy. Bankruptcy allows you to erase your debt and get a fresh start. Consider bankruptcy with a attorney to understand your rights and learn how to avoid fraud. Here are five mistakes not to make.
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How the New Health Care Bill Can Affect Your BusinessThe new health care bill is said to give almost every American health insurance coverage. This is great but at the cost of small to medium businesses, who may in turn layoff workers creating more unemployment or increase the cost to consumers
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Five Great Gift Items for Birthdays or Holidays for the Person Who Has EverythingFor many people finding that perfect gift for someone is a challenge. But here are five great gift items for the man or woman who has everything. They can be bought online or at a local retail store.
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Five Great Home Based BusinessesHome based businesses are growing popular with this recession. With job losses mounting and unemployment seeing no end in sight, your own business may help to bring in extra or needed money into your house.
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One of the Friendliest Cities to Travel to in South America is Bogota, ColumbiaBeautiful, scenic, historic, energetic night life are some of word tourists use to describe traveling in South America to Bogota Columbia. This is the safe place to plan your next vacation where the residents will welcome you as friends.
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The Right Way to Clean Those Kitchen CabinetsKitchen cabinets are a important element to your everyday living. They collect food, germs and grease. Cleaning them is important to your health. It can be done easily and quickly.
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Are Lenders "Cherry Picking" Loan Modifications for Homeowners Facing Foreclosure?Loan modifications are in a race with foreclosures. Homeowners are finding that Obama's HAMP, Home Affordable Modification Program, is not working when it comes to loan mods. A few success stories. Are lenders, like IndyMac, cherry picking loan mods?
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The Five Best Business iPhone Applications for FreeiPhones have great applications for business. These applications are expanding weekly. But how about if you could get the iPhone applications for free. Here are five great free applications for your business you could upload and use today.
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Lenders Are Being Paid by US Goverment for Short Sales and Deed in Lieu of Foreclosure when Denying Borrowers for Loan ModsYour Lender tells you no loan modification under Obama's HAMP, or Home Affordable Modification Program. So they offer to give you cash to leave or help in your short sale. That's because the government is paying them to do it.
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If Lenders Did Loan Modifications According to HAMP Foreclosures, Short Sales and Cash for Keys Would DiminishBased on press release of Sept 9 2009 on Obama's Making Home Affordable Program or HAMP Lenders are not playing by the rules on Loan Modifications. Homeowners facing foreclosure got letters from Indymac, part of OneWest Bank that highlight the problem.
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IndyMac a Division of OneWest Bank Not Honest on Website to Homeowners Regarding Loan Modification HAMP ProgramIndyMac Mortgage Services, a division of OneWest Bank, not honest on eligibility for loan mods under Obama's Home Affordable Modification Program. This would help homeowners know in the begining if they face foreclosure, cash for keys or short sale.
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Indymac Not Doing Modifications for Homeowners by Blaming Obama's Home Affordable Modification Program and US TreasuryIndymac along with Deutsche Bank is blaming Obama HAMP,United States Treasury Department, congress for not being able to do loan modifications. Denying homeowners loan mods stating HAMP prevents them from approving.
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7 Great Ways to Save Money on GasA huge amount of our income goes to transportation, including gas in our cars. Here are seven great ways to help the gas money you spend go a long long way.
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Why You May Be Wasting Your Time Trying to Get a Loan ModificationTrying to get a loan modification may be close to impossible. Many homeowners are finding out that foreclosure may be their only option when dealing with banks. Lenders like Deutsche Bank and Indymac Bank are finding every excuse not to modify your loan.
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How to Buy Your Own Small BusinessIt may be the time to consider becoming your own boss and buying your own small business. There are many things to look at before you buy. Hiring a attorney, business broker,accountant, franchise information financing and more.
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Why Obama's Home Affordability Program was Set Up to Fail for US HomeownersObama's Home Affordability Program also known as HAMP was made to not modify loans for homeowners. The provisions that would have saved millions of homeowners was removed by Congress. Leaving only foreclosures as the answer.
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Why Feeding Your Dog Table Food is a Bad Idea Especially Around the HolidaysMany pet owners think it's cute to feed their dog table food or scraps. But the reality is you may be doing your dog more harm than good, even endangering their life. Hear why your food is not a treat.
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5 Great Stresses for Women and How to Deal with ThemStress can take a toll on a woman's body. It can effect us emotionally as well as physically. Recognizing the signs and dealing with them are the first steps to healing.
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How to Provide Relief from Pain Caused by a SciaticaPain from your sciatica is more common than you think, even for those people who are active. There are ways to manage this pain, usually in the leg, that can help. If these don't work you may need to consult a professional.
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A Perfect LifeEverthing in Paiges life was perfect or so she thought. When her husband commits suicide she is forced into finding out things she never knew existed. But will this truth destroy what is left of her family?
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How to Protect Your Business Against Employee FraudEmployee fraud can be the downfall of any business, whether in dollars or reputation. It is important to take the steps necessary to prevent it from ruining your small business.
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Top Ten Gold High Heels for the 2009 -2010 Season and Where to Buy ThemIt's that time again. Gold heels are part of the wardrobe this time of year. If you don't know which ones are hot this season, check out the list of which ones to buy and where to get them.
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How to Cut Costs in Your Small BusinessIf you want your small business to survive a bad economy you have to take charge of your expenses. Here are some important steps to follow for your small business.
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What Do I Need to Provide to Qualify for a SBA Loan for My Small Business?Do you need a loan for your business? Do you need to consolidate your bills and get cash for your business? Then you need to check and see if you qualify for a SBA loan. This article tells you what you need and how to get it.
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Great Ways to Advertise Your Small Business for Free on the InternetAdvertising your business is a important part of getting new clients. There are ways to get the word out on your business that don't cost you any money.
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The Five Most Important Things to Do when You Get Laid Off from Your JobBeing laid off from your job is a reality for people everyday as more and more Americans face a uncertain future with employment. If this has happened to you, it now time to take five important steps.
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Why Whistler, Canada is the Best Ski Town to Travel to for Your Ski VacationWith the Olympics for 2010 approaching many who ski are taking a interest in skiing in Canada. If you are looking for a great ski vacation Whistler in Canada is the place to go.
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Why Portes Du Soleil is the Best Ski Resort Area in EuropeWhen it come to a amazing town for skiing in Europe, Portes Du Soleil is your place of choice. It offers the best of both France and Switzerland for amazing and challenging slopes for a perfect ski vacation.
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Five Reasons Why the Recession is Still Not OverWhile some economists think the data is pointing to the recession being over. I would hope these were not the same people who said subprime was contained. Here are five reasons the recession still is not over.
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What to Consider If You're a Senior Looking at RetirementMany seniors are considering retirement. But many are not sure if the timing is right. Consider the points made in the article before making such a life altering decision.
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Games You Can Play with Your Kids When the Weather Outside Keeps You InsideWhen a snow storm or any bad weather hits, it may mean being indoors for a few days. Kids get bored easily. Here are some games to play inside when the weather won't let you outside.
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Great Cheap Wines for the Winter Season for Under 20 DollarsWine in the winter is like fire in the fireplace, they go together oh so well. The problem is finding the right wine to go with the occasion and taste of those drinking it. Here is a list of 7 wonderful wines to go along with the winter weather.
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Why is My Garage Door Opener Not Working?Garage door openers are great when they work. They allow homeowners the convenience when it comes to weather, security and easy access to the home. If yours is not working here are some common reasons why.
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How to Prepare a Room or Area to PaintTired of the color on the wall, then paint it. Painting is one of the cheapest ways to change the look of a room. But before you start this job make sure you prepare the area or room to be painted.
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Some Common Tree Problems You May Have with Your Landscaping Around Your HomeThere are many common tree problems homeowners have around their property. Here is list of the landscaping problems that most occur and what they mean. Tree problems need to be addresed as soon as possible.
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The Right Way to Dress when Going on a Job InterviewWhen going on a job interview first impressions are everlasting. The first thought a possible employer will have on you with be based on the way you are dressed. Here are tips to dress for success on your potential job interview
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When Are Home Prices Going to Stop Falling?Each year since 2007 homeowners have watched their equity in their homes shrink. Now two years later home prices are still falling and the end is not in sight. Here are 5 reasons why home prices will continue to fall for years to come.
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The Best 5 Countries to Retire in Outside of the United StatesMany Americans retire outside the United States each year. Here are the top 5 countries to consider when looking at cost of living and healthcare coverage.
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The Best Credit Cards to Get When You Want to Establish or Rebuild CreditWith many people trying to establish credit or rebuild after a devastating financial crisis such as foreclosure, bankruptcy or divorce, credit cards are awaiting. The trick is to find the best ones. Here are five recommendations.
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Simple Exercises to Do Everyday that Will Help Your Back PainBack pain is something millions of people have to deal with everyday. Simple exercises can help strengthen your back and lessen the pain. Here is a list you can do in a minimal amount of time at work or at home.
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How to Deal with Financial Stress in Your LifeToo many of us are dealing with stress as this recession continues. It may be time to sit down and evaluate changes that have to be made in your finances and your life. Here are some ideas.
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The Top 5 Grocery Printable Coupon Websites Online to Help Save You MoneyUsing grocery coupons is a great way to save money on items you use everyday. All it takes is a few minutes each week and you enjoy the benefits of more money in your wallet.
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How to Recognize and Handle Depression in TeensTeenage depression can lead to suicide if left untreated. Recognize the symptoms and how to deal with it.
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How to Handle a Bad Haircut from the Hairdresser at the SalonWe all look with anticipation to visit our local salon. We expect to come out looking great. Instead you can be left with a bad haircut and a much lighter wallet. Here is how to handle that bad haircut.
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Ten Great Low Fat Snack Candies You Can Eat when You Are on a DietSticking to a diet is hard to do. Especially with all the great treats out there you see everyday. But here are 10 great low fat snack candies you can indulge in and still maintain your diet and goals.
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Great Cheap Birthday or Holiday Gifts for Busy Toddlers Under $10Toddler are busy, learning, energetic, curious and sometimes unpredictable kids. Buying them the right gifts is not always easy and especially on a budget. Here are some great gifts to keep those busy little ones interested for a while.
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What Exactly is a Sweat Lodge?Headlines this week showcased the death of three people in Arizona after participating in a sweat lodge. Most people do not know what a sweat lodge is and this article will explain to you it is and how it can be dangerous.
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Great Destinations to Celebrate Your Second HoneymoonReady to celebrate your second honeymoon, but you don't know where to go? Here is a great list of places you will want to visit when celebrating a huge milestone in your relationship.
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How to Help Parents and Children Handle a Bully at SchoolWe all see headlines of the consequences of a childhood terror, bullying. Somtimes the situation resolves themselves, but at other times they turn tragic. Know what you can do to help your child overcome what is becoming a violent trend.
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Christmas Holiday Traditions that Newlyweds Can EnjoyChristmas holiday traditions are those that are carried on from generation to generation. For a newlywed couple this is a great time to continue those traditions or start new ones of their own. Here are some ideas.
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How to Have Clear Skin when You Are a TeenTeens dread having acne. Some have it so severe they have to consult a doctor. For others, however, following a few easy steps can prevent or reduce the flare up of acne.
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Things Not to Do when Going Through a Divorce with KidsDivorce is never easy on a anyone and can be made even more difficult when children or kids are involved. There are commmon mistakes made by couples that can make the process break apart a family even more. Here are some of the situations to avoid.
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Places to See and Visit when You Travel to Atlanta, GeorgiaAtlanta is an amazing cultural city that attracts thousands of tourists every year. Here is a list of must-see places in Altanta.
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My Home is Still Not Selling, Now What Do I Do?In this difficult market, listing a home doesn't guarantee a sell. If your house has been listed for a long time with no offers, it is time examine why your home is just not selling. Here are some ideas to look at.
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What to Do When You Are Ready to Start Your Own BusinessStarting your own business to replace your job or make additional income may sound easy, but there are things to understand before you start.