October 24th, 2009 by admin

With the housing market collapsing and the economic situation for many individuals spiraling out of control, foreclosures on houses and other residential real estate has escalated exponentially; the foreclosure process is complicated and the mortgages associated with such processes are even more complicated therefore the employment of foreclosure attorneys who specialize in this particular field are usually necessary. These attorneys assist their clients by translating the sophisticated language used in mortgage agreements, by delineating the pre-foreclosure process, by giving the home owner options to avoid foreclosure thereby eliminating the costly affects to the home owner’s credit history, and by limiting the legal liability associated with a home foreclosure. While these types of lawyers can be expensive, their extensive knowledge and experience can be priceless when you consider the fact that they can sometimes save your home and can almost always limit the negative effects of the foreclosure process.

When an individual decides to purchase a home or other residential property, they almost always cannot afford the property outright. According a recent survey conducting by the Federal Housing Administration, ninety-two percent of home owners needed a loan or mortgage agreement in order to purchase their residence. Mortgage agreements are designed to limit the financial liability of the lending institution or bank and writing by highly paid legal experts. They can sometimes be dozens of pages long and typically use very complicated legal and financial jargon to convey their substance and meaning. Foreclosure attorneys are well versed in this complicated lingo and most have several years experience in dealing with mortgages, financial institutions, and the legal aspects of debt. It is always wise to have an attorney read over your mortgage agreement before you sign it.

If a home owner does get behind on their mortgage payments, then the financial institution or bank has the legal right to foreclose on the property in question. Most banks let an account get behind by three to six months before they pursue legal action. However, legally they can begin the process if just one payment is missed. A lawyer can help an individual through this process by explaining the complicated steps of the pre-foreclosure and finally the foreclosure process.

A lawyer will also be able to list means of avoiding an impending foreclosure. They can contact the bank or lending institution and set up a reasonable payment plan to get your mortgage current and up to date. They can sometimes even re-negotiate your mortgage agreement thereby lowering your monthly payments, interest rate, or other lending terms so that you are better able to meet your financial obligations. Remember that a foreclosure has dramatic effects to your credit history which you will never fully recover from. Therefore, it is in your best interest to hire an attorney to avoid such consequences.

If you do get behind on your payments and you are unable or unwilling to avoid an impending foreclosure, then a lawyer can help you through the process in manner that will limit the dramatic legal and financial effects.

While foreclosures are messy affairs, you definitely will want someone who is fighting for your financial future.

Foreclosure attorneys can be these people who will fight for your financial future.

September 15th, 2009 by admin

You NEED to make some extra money, right? Well, IF you don’t want to kill yourself by working TOO hard, I have three options for YOU! Please read on and find which one suits YOU the best. By the way, these are NOT get-rich-quick schemes; they are simply ways that most folks can earn a few extra bucks each week! Would a few extra bucks help you?

 

Sell Pepper Sprays to family, friends, neighbors, and even to other people in your town. (as long as you don’t live in MA, MI, NY, or WI) You don’t have to open a wholesale account with me, become a business, get a license, or do anything that is involved and complicated…it would be just as though you were selling vitamins or cosmetics through one of those BIG companies! On my website there is information about buying a bulk package of 25 or even just 10 pepper sprays, so that YOU can turn around and see how it goes, selling them to people for a profit! By the way, that is a cash profit! The link to visit for these money-making bulk packages is: http://www.fathertimepublishing.com/default.php?cPath=2358876&s=09d0df992df98d1b8906ac5b176b9d51

 

Learn To Read Tarot Cards and give tarot card reading to folks in your town! It is very easy to learn, only takes a couple of weeks, and I have a package complete with two decks of cards, two books, two DVDs and some other mystical items to give you “luck” and concentration to learn the cards. Then you can begin doing readings for folks in your town! It is simple, and you know that people will want readings, and they will pay you $25, $50, and even more, per reading! Plus, you will get lots of word of mouth advertising from people telling others about your great new business! Another way to earn cash!  The link for this course is: http://www.fathertimepublishing.com/product_info.php?cPath=2455790_2496510&products_id=33061519

 

Sell From Catalogs and earn commissions, to anyone that you know! There is a huge catalog of nearly 400 pages with tons of things inside, and you can get one or two of these, show them around, take orders, collect the payments, keep 20% and then send in the rest for the items, which will be sent via UPS to your door, to distribute to your customers! Another great cash income source! Just see my website under the section marked “catalogs.”

 

Bonus: Mystical-Magical Catalogue for folks who aren’t spooked by tarot cards, ritual supplies, candles, amulets, et cetera! This can also be a way for you to earn 20% commissions, by selling cool mystical things that are not available at every corner store! (If these items bother you, just please skip the section that says “A Magical Journey.”)

Now, folks, I am offering you a way to make extra money! This is NOT MLM, and it isn’t anything promising wealth or millions of dollars! It is a way for a struggling American family, or a single person, to earn an extra couple of hundred bucks per week or per month; and it’s all up to you and how much time you put in!

You can sit around and complain about your financial struggles OR you can do something about it! You have nothing to lose by trying! IF nobody wants to order anything from the catalogs, I would be very surprised! IF you get the pepper sprays, you will certainly sell enough to get your money back! People want to be safer and feel safer! IF you learn to read the tarot cards, just a few readings will get you the money back for that kit! So, really, the worst that could happen is that you will break even, but you just might surprise yourself and make some extra money!

You won’t know until you try! For those who aren’t going to try, but who like to make their own homemade greeting cards, I have a new e-book of verses that you can use inside your own homemade cards!

So, good luck with your situation. IF you don’t try one of my suggestions, please try something! Don’t just sit around and wait for the economy to get better, because that could take a long while! Good Luck, God Bless, and Keep Smiling!

Many Blessings from Father Time…

September 15th, 2009 by admin

In these times, whether you are trying to save your company or your career, the soft skills of emotional intelligence pay hard dividends. There is ample evidence linking emotional intelligence to effective leadership. Emotional intelligence is arguably the hottest topic in leadership development. There is also research conducted by the Center for Creative Leadership that shows how a lack of emotional intelligence underpins the most common reasons for career derailment. Clearly emotional intelligence matters. Yet, despite this well established fact, there is little practical guidance on how to actually become a more emotionally intelligent leadership. This article, written by the Australian Leadership Development Centre team, will give you the guidance you need.

To become a more emotionally intelligent leader you need to:

1. Accept the role of emotions in the workplace

2. Understand how emotions work

3. Become more aware of how you feel

4. Develop your ability to master your own feelings

5. Become better at reading how other people feel

6. Start using the universal language of emotions to talk those you lead

ACCEPT THE ROLE OF EMOTIONS IN THE WORKPLACE

People are emotionally driven creatures. As a leader, emotions affect your own personal actions and the actions of those you lead. Emotions underpin many of our choices and they affect the quality of thinking. Any attempts to relegate the place of emotions in the workplace behind the more acceptable roles of logic and reason are grounded in a delusional view of reality. The first step in becoming a more emotionally intelligent leader is to accept, and even welcome, the fact that emotions are a central aspect of organisational life that can work to help or hinder performance.

UNDERSTAND HOW EMOTIONS WORK

Trying to become a more emotionally intelligent manager without first understanding how emotions work is like trying to diagnose a patient without ever having attended medical school. Many people think that emotions are nothing more than irrational forces that should be subdued. In fact, emotions are both logical and predictable. You feel an emotion in response to something that has happened. When you lose something of value you feel sad. When someone has done you wrong, you feel angry. When you are threatened by the possibility of something bad happening in to you in the future, you feel worried or scared. In fact, all primary emotions (i.e. happiness, sadness, fear, anger, surprise, disgust, belonging and interest), have universal and logical causes. We also know that different emotions promote different forms of thinking and prime us to react in ways that are good for our survival. For a better understanding of emotions, visit my free hot list on emotional intelligence for managers. http://www.squidoo.com/emotional-intelligence-1

BECOME MORE AWARE OF HOW YOU FEEL

This does not mean obsessing about your feelings. Rather, it means being able to put a precise label on your feelings at given point in time, and to be conscious about the impact of that feeling on yourself and others. You can start to build your emotional awareness by getting in the habit of asking yourself how you feel several times each day. This may sound simple, but with the many competing demands on your time, it not likely to be easy. To help you decide upon the best label for your current feelings try these 3 steps. First, decide which of the eight primary emotions (listed in pint 1) best describe how you feel right now. Then, think about which words accurately describe the intensity of your feelings (e.g. annoyed and enraged reflect different levels of intensity within the primary emotion of anger). Finally, think about the impact that emotion has on you and others. What is the emotion prompting you to do (e.g. to stand up for yourself, to act now in order to stop something bad from happening, to pay closer attention or to reach out to others for support)? How is this feeling impacting on your thinking? Generally, happy moods facilitate creative, big-picture thinking, while more sombre and apprehensive moods help us to critique whatever is before us. What impact does your mood have on those around you? Anger sparks fear. Other emotions, especially when expressed by a manager, trigger mirror neurons in the brain. Like sparks like, happy managers induce happiness in others, sad managers induce sadness in others etc.

DEVELOP YOUR ABILITY TO MASTER YOUR OWN FEELINGS

While you should always acknowledge emotions, and consider their value, there will be times when you decide that your feelings are hindering rather than helping your leadership. Suppressing emotions does not work and the mental effort involved actually hinders your performance. To manage emotions, you actually need to change the way that you feel – not just slap on a happy face. There are two ways to do this. The first involves harnessing the power of memory. When we remember an emotionally charged experience from our past we re-experience the feelings we felt at that time. If you want to feel more confident, think of time in your life when you felt incredibly proud of what you had achieved. If you want to feel happy, think of time when you felt on top of the world. Actors use this method to help them get into role. To be truly effective, you need to step back into the experience and recall as much vivid detail as you can. The second way that you can change how you feel involves reframing the experience that has led you to feel the way you do right now. Quite often, when we feel strong disruptive emotions, we have skewed perspective of the situation at hand. Our skewed perspective feeds disruptive feelings and it becomes a vicious cycle. Reframing involves seeing the situation from a more accurate or a more helpful perspective. Threats become opportunities to be seized, weaknesses in one context become strengths in another and catastrophes become temporary setback on the eventual toad to success. One proven way to help you reframe your experience is to write about it for 20 minutes non-stop. While writing, use lots of cause and effect words (e.g. because, as a result, therefore) and ask yourself questions about the validity and usefulness of your views. Then, at the end of such an exercise, use the memory technique to replace the ill feeling with a more helpful emotion.

BECOME BETTER AT READING HOW OTHER PEOPLE FEEL

Armed with your enhanced understanding of what causes different emotions, you can predict how they feel by listening carefully to their perception of the situation at hand. This ability to read between the lines works both ways. If you are able to identify how they feel, you already know a great deal about what happened (or leats their perception of it). You can complement this ability to read between the lines with increased attentiveness to non-verbal cues – particularly tone and facial expression. Slow, monotone speech is indicative of sadness and boredom, while happy people speak in more lively tones. A terse and abrupt manner is indicative of anger, while ascending tones are associated with surprise. Facial expression is even more reliable, especially the involuntary micro-expressions that cross a person’s face before they have time to consciously mask how they feel. Paul Ekman is the authority on these micro-expressions and you can undertake some simple online training called METT online. Just Google Paul Ekman METT. Empathy.

START USING THE UNIVERSAL LANGUAGE OF EMOTIONS TO TALK THOSE YOU LEAD

It is actually easier than you may think. First, talk from the heart and put some expression in your voice. When we truly feel the words we speak, that feeling comes through. It also follows that you should not say anything that you do not really mean or feel. This is why emotional mastery is so important. As well as talking from the heart, you must learn to capture the hearts of those you are talking to. People like to feel appreciated and valued. They like a

challenge and to know how well they are doing. Further, they like to feel in control of a future that they are creating for themselves. By stepping into the emotional shoes of those you lead, you can shape your words in a way that resonates with those you are talking to. This can be as simple as ‘thank-you’, or far-reaching as a vision communicated as a solution to their challenges.

In these hard financial times, developing soft emotional skills of leadership is more important than ever.