Poughkeepsie, NY

www.sosloanservices.com

SOS L Services, LLC is a Loss Mitigation Company specializing in short sales and loan modifications. We are a life preserver for those upside down in equity or drowning in their mortgage payment. With years of experience in negotiations, SOS L Services is here to help.

What is Loss Mitigation - a third party helping a homeowner that handles the process of negotiation between a homeowner and the homeowner's lender. Loss mitigation works to negotiate mortgage terms for the homeowner that will prevent foreclosure or negotiates a short sale.

Short Sale: This is a process whereby a lender reduces the principal balance of a homeowner's mortgage in order to permit the homeowner to sell the home for the actual market value of the home. This specifically applies to homeowners that owe more on their mortgage than the property is worth. Without such a principal reduction the homeowner would not be able to sell the home and if they are not able to make the mortgage payments then foreclosure litigation will ensue and the mortgagor will go into foreclosure

Recent Deals: A good example is the client/seller whom we closed this week. The client owed 295K to the lender and the current fair market value of the home is 235K. The offer of 235K was presented to the bank and approved with forgiving the client the 80K deficiency balance.

Coming soon - Process and variables for short sales !!

www.sosloanservices.com

Nancy Schoen

SOS L Services, LLC

4 Nancy Court Suite 4

Wappingers Falls, NY 12590

P - 845-214-0282

F - 845-230-8639

nschoen@sosloanservices.com

Scrooge returns to the Bardavon 1869 Opera House for another holiday tradition in Poughkeepsie! A Christmas Carol, by Charles Dickens - is one of the most popular and enduring Christmas stories of all time! Ebenezer Scrooge, a mean old miser, is given a second chance to do right after being haunted by three ghosts on Christmas Eve in this Dickens classic. Sunday December 7, 2008 3:00 pm.

Purchase your tickets in person at the Bardavon Box Office, 35 Market Street, Poughkeepsie: (845) 473-2072 $34 Adult, $31 Senior/Student, $28 Member

Bardavon 1869 Opera House
35 Market St.
Poughkeepsie, NY 12601

http://www.bardavon.org/ev_dir/sub_preview.php?id=34

A caregiver is an everyday hero, they take on many roles. Every single day can oresent new challenges. And, there are many tasks. A caregiver wears many hats - nurse, activities director, cook, housekeeper, chauffer, pharmacist - just to name a few.

For caregivers in the mid-Hudson Valley, a FREE conference will be sponsored by the local chapter of the Alzheimer's Association and cooperative organizations, including the Saint Francis Hospital, Dutchess County Office for the Aging, the Manor at Woodside. Premier Home Health Care, and Wingate Healthcare.

Workshops will be offered at the conference to help cargivers find available resources and understand issues related to a caregiver's needs.

Some of the topics covered will be home care services, elder law and financial matters and pharmaceutical issues. Keynote speaker will be Dr. Albert Riddle, medical director at Wingate Healthcare.

The event is titled "Lean on Me Conference on Caregiving" - and will take place at the Best Western Inn and Conference Center on Route 9 in Poughkeepsie on November 8th from 8 a.m. to 3:30 p.m.

The conference is FREE but registration is required by November 1st. For more information call 845-471-2655.

Nobody who's ever ventured north of NY City or Westchester County would ever imagine this! Only 70 miles away from the Big Apple is a beautiful and peaceful landscape. Manhattanites who come up here for a weekend drive usually fall in love with the Upstate NY countryside. Often I've heard it said - "I feel like I've died and gone to heaven". No wonder one Hudson Valley town was named Pleasant Valley!

Many stay long enough to check out the local real estate market - and eventually they become residents who commute to work in The City. The smart thing, for those who have jobs that are conducive enough is to figure out a way to telecommute. Some people transition to a 4 day work week. until they can eventually retire here. One of these people is novelist and New York Times bestselling author Michael Korda (former editor-in-chief for Simon and Schuster) - he and his wife gave up city life about 25 years ago and moved to Pleasant Valley. http://www.answers.com/topic/michael-korda

Korda writes about his experiences of becoming a country folk in his book titled: Country Matters - The Pleasures and Tribulations of Moving from a Big City to an Old Country Farmhouse. Entertaining, canny, and moving, Country Matters does for Dutchess County, New York, what Under the Tuscan Sun did for Tuscany. With his inimitable sense of humor and storytelling talent, New York Times bestselling author Michael Korda brings us this charming, hilarious, self-deprecating memoir of a city couple's new life in the country.

Although I have never met Michael Korda personally, after reading his book I feel like I know him.

I'm sure our paths have even probably crossed many times because we share the same Pleasant Valley zip-code. Maybe I've bumped into him at the Pleasant Valley post office, The A&P, or our local Dunkin Donuts!

I also moved here from a bigger city where traffic jams were the norm and smog alerts were reported daily. I fell in love with the Hudson Valley for probably the same reasons Michael Korda did. Fall is one of the obvious times to appreciate the Hudson Valley. As I drove to my office today, I was 1 1/2 miles from my Pleasant Valley home (just about 2 miles to the Town of Poughkeepsie border) when it occurred to me that I should stop and take some photos. I felt the need to share! This is what I see on my daily drives - and this is what others see when they come here and fall in love!

How about a taste of soup to help out local families? Mark your calendars for Soup-a-Bowl, the 1st Annual Poughkeepsie Celebration of Food and Art. This soup luncheon, served in handmade pottery bowls, will promote local restaurants and culinary talent while showcasing the work of local pottery artists. Fresh, homemade soup & hand-crafted pottery!

Following the model of a nationwide fundraiser, one local nonprofit will host Poughkepsie's first "Soup-A-Bowl" featuring a variety of soups concocted by local restaurants.

Some of the local restaurants cooking the soup for this event are Twisted Soul, The Artist's Palate, Soul Dog, Silver Spoon.

This inaugural event will take place on Saturday, September 13, 2008, 12:00 - 2:30 at the Mid-Hudson Children's Museum Pavilion on the banks of the Hudson River, north of Poughkeepsie's Waterfront near Waryas Park.

An event ticket includes a Bowl and 2 Soups.

Proceeds of the event will support Food Share, a program of the Poughkeepsie Farm Project, providing low-income families with food each year through the City of Poughkeepsie Main Street Farmers' Market. Benefitting from this event will be local agencies like Grace Smith House, Dutchess Outreach and Hudson River Housing which run soup kitchens, food pantries and shelters.

For more information, call (845) 473-1415 or visit www.farmproject.org.