Kate Bourland Empowering America to Live Debt Free

Kool April Nights is will be rumbling the streets of Redding again starting April 15th. This fun four day event brings out the cars from the 50, 60's 70;s and 80's.

The highlight of the event is the annual cruise where parts of Churn Creek and Hilltop are closed down from 6 - 8pm. This fun street fair and car cruise is enjoyed my the entire town. We bring our coolers, and lawn chairs and enjoy the sights and sounds of beautiful cars. Some are restored, some not. But it's all fun stuff.

Overall 2,300 classic cars will cruise the streets of Redding.

To Register Your Car go the the Official Kool April Nights website.

Don't Miss the fun. Hope to see you there.

This past week Bill HR 875 was introduced with little media fanfare. I saw a little bit of news coverage which basically espoused how the bill was designed to make our food supply safer. Like so much going on in our government right now, nothing is further from the truth. It turns out that HR 875 is an attempt by two major corporations, one of which is Monsanto, to eliminate organic seeds from our food supply and replace them with genetic and chemically altered seeds.

This has the potential to put small organic farmers out of business. It will effect the real estate value of rural farming towns and will forever change our food supply. Don't let this happen.

It could end Farmers Markets - this is serious business! Don't Let It Pass.

If you understand the importance of sustainable agriculture and choose to eat organic and pure foods as nature intended for our bodies, please take a second to call your congressional rep and ask them to vote down bill HR 875 which will outlaw organic farming. If we all do not do our part, we'll be stuck with GMO and pesticide-ridden garbage "foods."

• If this passes, then NO more organic ancient heirloom seeds will be allowed. Instead only Monsanto genetically altered seeds that are now showing up with unexpected diseases in humans will be legally grown.

• The US House and Senate are about (in a week and a half) to vote on bill that will outlaw organic farming (bill HR 875).

• This bill is cleverly disguised to fool Americans into thinking it's to our benefit. is also disguised as the Food Safety Modernization Act of 2009 (bill HR 875).
  

• Main backer and lobbyist is Monsanto - chemical and genetic engineer ing giant corporation along side Cargill, ADM, and about 35 other related agri-giants. This bill will require organic farms to use specific fertilizers and poisonous insect sprays dictated by the newly formed agency to "make sure there is no danger to the public food supply". This will include backyard gardens that grow food only for a family and not for sales essentially making tons of money for these companies through the sale of their pesticides and also polluting our waterways.
  

• Short Video 1:http://pr1.netatlan tic.com/t/ 9661579/7793682/ 598242/0/

• Short Video 2: http://www.youtube. com/watch? v=eeWVkTU1s1E

To Find & Call Your Representative:

• Go to http://pr1.netatlan tic.com/t/ 9661579/7793682/ 598244/0/ and enter your zipcode. Express your concern politely and nicely and pass the word on. Thanks!

Today at 8:30 pm, local time we are all invited to shut down our computers, televisions and other non-essential electricity and spend an hour saving the Planet! Earth Hour started in Australia three years ago and has since gone global. It's expected that a Billion people will take part this year.

Major tourism landmarks and homes across the world will participate in this annual event.

This celebration is an opportunity to spend an hour of quiet time with family and friends.

My family will be playing mancala - how about yours?

Celebrate Earth Hour!

Kate Bourland: I am committed to helping my clients find solutions to their financial challenges. Call me if you are at risk of losing your home to foreclosure and need a loan modification. I can help.
Too much credit card debt - let's find a solution that works for you. Wanna pay off your home fast- call for a free analysis. Ask me how I can help you manage your debt... it's easier than you think. You can reach me at 530-419-3967.

Copyright 2007 - 2009.

Come to Baskin Robbin's and support Another Chance Animal Welfare League.
Baskin Robbin's is working on giving back to the community and this is our first event!
Just by buying a scoop of ice cream, you can help an animal to get shots, food, etc.
Please come support.
Date: March 26, 2009
Time: 4:30PM-8:30PM

Come join us at these two locations:
3657 Eureka Way
Redding CA, 96001
and
2919 Churn Creek Road
Redding, CA 96002

Call us for more information: 530-246-9500 (Eureka Way location)

Kate Bourland: I am committed to helping my clients find solutions to their financial challenges. Call me if you are at risk of losing your home to foreclosure and need a loan modification. I can help.
Too much credit card debt - let's find a solution that works for you. Wanna pay off your home fast- call for a free analysis. Ask me how I can help you manage your debt... it's easier than you think. You can reach me at 530-419-3967.

Copyright 2007 - 2009.

As I delve deeper and deeper into the world of Loan Modifications I'm uncovering answers to many commonly asked questions here on Active Rain.

I've written and read many blog posts that express confusion over the inconsistent manner in which loan modifications and short sales get approved. What is simple common sense to you and I takes on a whole new light once we get behind the scenes of loan servicing.

Common questions include:

• Why don't banks just modify loans across the board?
• Why does it take so long to get answers?
• Why does one homeowner get an easy loan modification while the neighbor with the same lender takes months?

The answers lie in the contractual agreement between the loan servicer and the investor. Most contracts between loan servicers and investors require that the loan servicer continue o pay the investor - EVEN IF THE LOAN IS NOT PERFORMING. This explains the inconsistencies. It also validates the contention that loan servicers are afraid of being sued by investors. Since the investor is getting paid for a non-performing note, there is no incentive for the them to modify or accept terms in a short sale. They are getting their cash flow..too bad for the loan servicer or the homeowner.

This alone explains why some loan modifications are easy and some are impossible.

As an Example. Let's assume we have two identical homeowners. The loan amounts are the same, income is the same, house value is the same. Both Homeowners make their payments to same bank/loan servicer. The only difference is the who owns the note.

Homeowner 1: The bank owns the note

Homeowner 2: The note was sold to a group of investors.

Bottom Line, Homeowner 1 is likely to get a loan modification or Short Sale approval faster and easier than Homeowner 2. It's even possible that Homeowner 2 will lose the home to foreclosure because the Investor won't negotiate.

This suggests that the first question that needs to be answered when taking on a Loan Modification or Short Sale is - Who Owns the Note? Lenders won't tell you the names of the investor, so a more round about approach is needed. Questions like is my note owned by the bank or an investor. Is the note held by Fannie Mae or Freddie Mac?

Getting those answers will give you and your clients a better idea of what to expect moving forward.

Kate Bourland: I am committed to helping my clients find solutions to their financial challenges. Call me if you are at risk of losing your home to foreclosure and need a loan modification. I can help.
Too much credit card debt - let's find a solution that works for you. Wanna pay off your home fast- call for a free analysis. Ask me how I can help you manage your debt... it's easier than you think. You can reach me at 530-419-3967.

Copyright 2007 - 2009.