Thanksgiving is here and while many families are preparing for the "big meal", there are millions who are not. For those of you out there who are fighting just to keep your lights on, or to make that mortgage payment that is past due, try to keep your perspectives in place. I know it's hard when you have children who are looking forward to the holidays and expecting holiday rituals to take place. This is the time to explain to them what is most important. You can still have a nice meal and enjoy the precious time you have with your family.
Being able to share this valuable time with your beloved family members is essential. Even amidst all of your financial struggles right now, you still have your husband, or maybe your children to be thankful for. Spend this time of the year wisely. Talk to your kids and explain to them what is really meaningful or valuable. Life, friends, family. Enjoy playing board games, cards, or watching old movies, and snuggling. How about telling stories and reminiscing?
Below are some great websites that provide free fun stuff ideas. Towards the bottom of this blog, you will find that maybe you can afford a Thanksgiving meal after all....
Arts and Crafts for Everyone! This site contains other activities as well.
More games and craft ideas- More Family Fun!
Party Games and Ideas for All Ages!!
Creative Ideas For The Littles Ones to Make and Do!
Head Start For Pre-Schoolers- Works Great For My Son
Great Ideas For Married Couples!
Fun Things to Do Online for The Singles!
More Fun Ideas For Singles Offline!!
My Favorite Recipe Site! Cooking can be great therapy! (and eating it too!)
Ideas for Affordable Thanksgiving dinner: Family of 4
1 Whole chicken- $6
Turkey Gravy in a can is best- $1 (gives you that turkey taste!)
2 Canned generic Veggies- $1
Yams on sale at Walmart 25 cents per pound - $1
Instant Russet Potatoes- $1.50
Boxed Mac and Cheese- $1
Bisquik mix for Rolls- $1.50
2 Generic Sodas- $1.50
1 Box of generic Stuffing (turkey flavor) -$1
Bake a cake for dessert (cake + icing) -$2
Total- $17.50
All of the above you can season to how you like it or add ingredients to them to doctor them up. Be creative, it's Thanksgiving!
Hint- Check your cheaper grocery stores: example- Walmart Superstore, Save-A-Lot- you may be surprised at all of the sales.
I hope this is helpful information, and just remember to enjoy the holidays and appreciate the things that you do have rather then fretting about what you don't have. Material items come and go but family and love always remains!
God Bless you and have a wonderful Thanksgiving!
Note- if you have any other ideas for affordable meals please comment and let others know!
Acing Your Next Job Interview
Going to a job interview can be a terrifying venture. How can you make a great impression? A little practice generally helps triumph with a job interview. Before you go through the door to your potential workplace, though, you will have to set some time aside and look over your resume. Doing this is often the most important step in the job interview process. Proper English is taken note of and generally will move your resume to the top and moving you towardsthat necessary primary job interview.
Once you've secured the interview you will want to make the effort to look as good as your resume. Most of you may not have the resources to buy a new wardrobe, but you probably won't need it. Take a look at your clothes and mix and match. Sometimes an accessory, like a tie can make all the difference. Leaving your suit with the local laundromat can only make sure that your outfit looks coordinated as can be.
Many people are nervous just before a job interview. Thankfully, there are some basic things you can use to work through your feelings. Take some deep breaths and recite the alphabet prior to going to the job interview. This will center you and prepare you for the job interview.
Most of us — at least those of us not in the oil business — have been enjoying the recent drastic reduction in prices at the gas pumps.
We had better enjoy them while we can — our close friends in OPEC have already held an “emergency meeting” to cut production lest the prices drop even lower.
Horrors! They will only be able to buy four Bentelys and two yachts instead of half a dozen Bentleys and three yachts.
And the big multi-national corporations will only be up to their belly buttons instead of their armpits in money.
Greed is what drove those prices up, just as greed is what got Wall Street into trouble.
Those of you who were around for the fuel crisis of the 1970s can remember escalating prices, an OPEC embargo and near-rationing conditions.
We know the name of the game, and the game is get as much as you can for as long as you can.
If one of us hard working folks goes broke, the big money boys come in and repossess the car, foreclose on the house and nail us to the wall.
Maybe they should get a taste of their own medicine.
It’s high time something was done about overregulated, overpriced diesel fuel.
While the drop in diesel prices was a relief for farmers, the fall in corn prices that came with it was a kick in the teeth for them.
All of us, are pretty satisfied with the current gas prices. But about 10 years ago we would have thought today's prices were extermely steep.
We need to reduce our oil addiction ourselves by working harder on alternative energy sources and domestic sources of oil and natural gas.
Think of us as overweight and needing diet and exercise — diet being cutting down on fuel use and exercise being working on those domestic and alternative energy sources.
Pre-Approval Loan Modification Application
What is Loss Mitigation? Loss Mitigation is a method used to avoid foreclosure by negotiating the mortgage terms for the distressed homeowner. It is used to describe either a third party assisting the homeowner, a department in the bank that mitigates the loss of the bank, or a law firm that negotiates with the lender on the homeowner's behalf. The new loan terms can be obtained through loan modification, a loan work out, partial claim, deed in lieu, cash for keys, short sale, or short refi. These options were developed to allow the homeowner to either prevent the foreclosure and/or to afford the new terms. All of the terms above serve the same purpose: to balance the risk of loss to the lender.
Most folks want to stay in their home, therefore, the most popular option for the distressed homeowner is loan modification. This is the process where the homeowner's mortgage is modified (changed) and both the lender and homeowner are in aggreeance with the new terms. This allows the homeowner to stay in their home and afford the new monthly payment. On the other hand, lenders benefit by mitigating the losses they would incur through foreclosing on the homeowner. Loss mitigation allows the lender to take a less of a loss now in order to avoid a much greater loss caused by a foreclosure. Most loan modifications result in lowered interest rates, reducing the principle balance, fixing adjustable rates, stretching out the loan term, moving past due payments to the end of the loan term, or any combination of these.
This is not just a job for me, this is my passion. My heart and soul goes into every one of my clients. I am honest, compassionate and caring and want to help! I am on a mission and am looking forward to the day when I can say, " I took part in ending the foreclosure crisis." You are not alone. This is kind of awkward to admit on a blog, but, I lost my home to foreclosure 9 years ago. I was a single mom and lost my job. There was no help for me back then. But today there is help. It is up to you to take the first, most important step and ask for it. Don't be embarrassed or ashamed to talk about what your going through. Call me and allow me to help you.
I have complied a handful of Attorneys and Law Firms who: 2. Are actual licensed attorneys who will berepresenting you and negotiating for you. 3. Have proof of success 5. Have reasonable fees 6. Have the clients best interest in mind 7. Are structured and organized 8. Are in compliance with federal regulations and guidelines 9. Are helping homeowners in the State you reside in 10. Offer a Money Back Guarantee 
I have done extensive research, reviewed contracts, and asked imperative questions with many Attorneys. Based on my research, I have found a few affordable, honest Attorneys, and I am now directing distressed homeowners to them while participating during the process.
1. Are in good standing with the Bar Association
4. Have passed my legitimacy test (scam free, and researched thoroughly through reliable resources.)
There is assistance available to everyone in any state. This is what we do for our clients:
on your behalf)
If you feel this information was useful, please comment C Thompson Loss Mitigation Case Manager 407-219-8739 Toll Free: 1-(877)-646-4331
Please see below for some of my very informative blogs.
How to Avoid Loan Modification Scams
How to choose an Honest Loan Modification Company
Why won't my lender work with me?
Pre-Approval Loan Modification Application
Hi everyone and thank you for visiting my blog! I would like to introduce myself as your #1 Florida resource for foreclosure prevention. Our goal is to prevent as many foreclosures as possible by providing alternative solutions such as loan modifications.
Florida has the 3rd highest rate of foreclosures in the US. From September of 2008 to October of 2008 there was a 13% increase. 1 out of 157 homes receives a foreclosure notice in the state of Florida. A total of 54,324 Florida properties received a foreclosure filing during the month of October. And an increase of nearly 80 percent from October 2007. Four Florida metro areas posted foreclosure rates that ranked among the top 10 in October, led by Cape Coral-Fort Myers and Miami in the numbers 2 and 3 spots respectively. Other Florida cities in the top 10 were Fort Lauderdale at number 8 and Orlando at number 10. These numbers are staggering and still climbing.
Based on the statistics above it is important that you know your options and know them well. One of the most popular options is obtaining a loan modification which means changing your term, rate, principle balance, and/or bringing your account current. Most folks will turn to their lender first which seems to be useless based on my conversations with just about every one of my clients. The lenders are so overwhelmed with all of the foreclosures, and not enough staff to handle them. Of course they would prefer for you to stay in your home, rather than foreclosing. Banks are shutting down left and right because of all the foreclosures.
We have relationships with most lenders and have built a trusting relationship with them. The modification is complete with in 120 days, or less. We also can place the foreclosure process on pause so that you don't lose your home during the negotiation stages. We pride ourselves with our extremely high success rate of 98%. Our fees are very competitive and I have found throughout research, that you get more bang for your buck as well.
I am a local Floridian and reside just outside of Orlando. I would like to help as many of my neighbors as possible who are facing a financial hardship, by providing solutions to keeping their property. As a Christian, I have a responsibility to be completely honest and to provide you with top notch services. I firmly believe that whoever contacts me for help was sent from God therefore it is expected of me to take care of them. This is not just a job for me, this is my passion. My heart and soul goes into every one of my clients. Everyone has their own special, unique situation, and each is treated with diligence, honesty, and compassion. I withhold no information and give you everything you need to make an informed decision, including the positive and negative of a loan modification. Whether you receive help from me, or someone else, what matters is you are getting help and I hope to be a part of your solution by providing you with useful tips, resources, and exceptional service.
Important Informative Links
How to Avoid Loan Modification Scams
How to choose an Honest Loan Modification Company
Why won't my lender work with me?
Pre-Approval Loan Modification Application
If you have any questions or would like to apply for a loan modification feel free to contact me:
C Thompson
Case Manager
407-219-8739
cthompson@keepyourproperty.info
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ARE YOU OR SOMEONE YOU KNOW FACING FORECLOSURE? I can help SAVE the property, work to have missed payments moved to the end of the mortgage, keep your family in the home and avoid displacement.
My service is free to distressed homeowners looking for guidance when searching for a legit loan modification company. I am appalled at the fact that so many homeowners are being taken advantage of or being ripped off by companies who portray themselves to be something that they are not. I have taken it upon myself to do this research, and find out who is the real deal. Because the fact of the matter is 75% of loan modification companies fall in the categories of either scam artists or inexperienced and misleading. Most of you in desperate need of help, are panicking and doing this sort of research is overwhelming for you. On the other hand, there are reliable Attorneys out there who have credentials. The challenge is trying to locate them. So what I have done is my own research on individual Attorneys to ensure they are established and reputable.
I have complied a handful of Attorneys and Law Firms who:
1. Are in good standing with the Bar Association
2. Are actual licensed attorneys who will be representing you and negotiating for you.
3. Have proof of success
4. Have passed my legitimacy test (scam free, and researched thoroughly through reliable resources.)
5. Have reasonable fees
6. Have the clients best interest in mind
7. Are structured and organized
8. Are in compliance with federal regulations and guidelines
9. Are helping homeowners in the State you reside in
As you can see this takes a lot of footwork and many hours to develop. Each Attorney or Law Firm is unique in their own way and offer different services and have variable fees.
What I will do is discuss with you one on one about your unique situation. I will then determine your eligibility, and will decide which one of these legit Attorney's will suit your specific needs. Once you are on board with a specific law firm, (which I will help you with) you and I will stay in contact throughout the process if you wish. I do not charge a fee to provide this information to you. I am so fed up with all of the scams, I feel it is my personal duty to stand up for the public and provide this service.
I have compiled many blogs which provide valuable information for homeowners in need of assistance. I feel consumers are entitled to ample information when making a decision that involves their most valuable asset, their home.
There are multiple Loss Mitigation companies who claim they extend their services all through out the US. Hiring an Attorney is the best, most beneficial route for homeowners to take these days. I want to help as many home owners as possible. I do not want you to become a statistic. Some of these loan mod companies claim they consist of licensed Attorneys andmost do not.
It is my job to know which attorneys are established, trusted, and reputable. Most will work with owners that are at any stage in the foreclosure process, even pre foreclosure. During the negotiation period, the owners can still rent/sell/live in their home. The process should take 8-12 weeks depending on your personal circumstances.
******Very Important: There will be a money back guarentee with the company we choose. The terms of this will fluctuate depending on the company. This will be explained to you during your free consultation.
Even hard-working people can encounter unforeseen situations which may affect 
their ability to pay their mortgage in a timely manner. Many issues can be contributing factors such as temporary job loss, medical illness or injury, marital difficulties, unforeseen repairs or high utility rates, tenant problems, or even a death in the family. Just one of these situations can have a direct bearing on making home mortgage payments.
I realize that the situation you are in is very stressful and emotional for you. I take my time to discuss your situation with you and provide you with one on one help, and steer you in the right direction. Please do not procrastinate, it is the worst thing you can do right now. Call me now and allow me help you. My main objective is to keep you in your home.
A loan modification is designed to help you bring your mortgage payments up-to-date, and to modify your existing mortgage terms to fit with in your current budget. Using creative and often unconventional methods, all well within the Code of Federal Regulation guidelines, we fight to freeze the foreclosure process, and keep you in your home.
As a professional who understands the mortgage industry from years of experience, I know how to help you. Put my expertise into action and you could become another one of our thousands of satisfied clients. If I am unable to help you, I may have other solutions that will. 
Call to find out if you qualify for assistance today or visit www.keepyourproperty.info and fill out the pre-approval form. I look forward to assisting you and to helping you achieve your goals. Please call me TODAY for your free consultation!
How to Avoid Loan Modification / Loss Mitigation Scams
Loan Mitigation Services FAQ's
Why won't my lender won't work with me?
For our clients we agree to do the following:
If you are facing foreclosure, you are not alone. I can help you, and I want to help you. Just pick up the phone and call my direct line at 407.219.8739.
You will be very pleased that you chose me, Callie Thompson as your
personal one on one Case Manager.
Well, what are you waiting for? Contact me now 407-219-8739
Toll Free 1-(877)-646-4331.
Pre-Approval Loan Modification Application
Check Foreclosure Procedure For Your State
Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)
I am more than happy to speak with you about your unique situation. To schedule an appointment and complete a free appliction, you can call my direct line at 407-219-8739.
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