When you take a mortgage loan, the lender will review your credit history and payment capacity during the underwriting process. The approval is only given if you are capable of returning the loan through your income and have a record that shows reliability with regard to debts. Unfortunately, your financial situation can change unexpectedly. In simple terms, your ability to make the mortgage payments can decline, leaving you in considerable distress. If you are facing significant financial problems, you should consider writing a hardship letter for a mortgage. This is a document which is designed to explain the situation to your mortgage lender. There are different purposes of hardship letters. In the modern market, these are primarily used for requesting your lender for a loan modification or a short property sale. If you decide to prepare the document, consider this guide to help you during the process. Need Help on lowering you Mortgage    

Understanding Eligible HardshipsBefore starting on your hardship letter, you should understand that not every financial problem qualifies for this form of lender assistance. In simple terms, you must prove that you have experienced a valid hardship and the situation has compromised your financial capacity. Here are some of the primary hardships that almost every lender accepts as a genuine hardship.· Employment Problems: There are common job issues which can affect your financial situation.

The valid hardships in this category include layoff, wage reduction, loss of overtime and relocation.

• Business Issues: You can make the application if your business has faced an economic crisis or has failed completely.
• Family Situation: Valid hardships include divorce or separation, the birth of a child or death in the family. If this is your case, you should be able to show the effect of the incidents on your finances.
• Illnesses: If you or your family members are injured and sick or struggling with problems such as drug dependency and gambling, the lender might consider the hardship letter.
• Other financial issues: These can include accumulated debts, payment shock, and incarceration of your home’s earners.
  Critical Information to include when you are writing your hardship letter for a mortgage, there are some important questions that you must answer. The information is crucial if you want the document to work in your favor.

Here are some of the issues that you must address in your letter.

• The circumstances or series of events resulting in hardship.
• The dates of the hardship.
• The permanence of the financial difficulties or projected time for resolution.
• The total amount of unpaid mortgage bills.
• The steps being taken to resolve the problem.

Finally, when drafting your hardship letter, you should remember to keep the document short and precise. One page is usually sufficient, and too much information can be overwhelming to the recipient. You can also make your letter more clear by underlining critical details such as the dates, quoted amounts, and steps taken towards a resolution. Get Help Lowering your Mortgage

Get Free  Template’s for your Letter  Enter you Name and Email

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Sacred Geometry and the Flower of Life

This sacred geometry volume encompasses a prodigious diversity of fascinating themes connected with sacred geometry and the flower of life. Amalgamating the insights of scientists and philosophers and mystics, it presents a modern perspective on at the esoteric tradition of the relevance of the fundamental forms to evolving the human psyche and heart.

Lavishly illustrated, every single page is delightfully composed, and a preliminary reading simply taking pleasure in the artistry and designs will already begin to illuminate with important foundation concepts. There is no high level maths necessitated at all, and a highschool degree of comprehension is all that is necessary to appreciate the important insights into the secrets of the universe which are made easily within reach in this tome.

The book begins with some background, and foundation concepts such as clarity and the importance of circles. It then explains the ideas of Buckminster Fuller in regard to the precedence of trigonal shapes to perceiving energy dynamics of systems of all varieties. From there the topics investigated are as multi-dimensional as earth science, society, artistry, technological innovation, well being, psychology, mythology, higher dimensional geometry, and much more.

At the site one can read the complete book online as it is nicely showcased in a digital flip book format. If you want to literally hold the book in your hands then it is rather reasonably priced at $24 including overseas postage and handling.

Throughout the composing of this book the author has questioned himself several times as to what he truly believes about Sacred Geometry, and how it can be an influence for good in this increasingly distressed planet. What he visualized in his wildest dreams, is that Sacred Geometry may become the proverbial greatest thing since rock ‘n’ roll. That mankind might discover in it a key to speeding up the evolution of the human heart and soul.

Meditative Zen Enso Circle t-shirts and apparel show your Zen habits in an artistic form. The popular Zen Circle on t-shirts and apparel is a splendid form of zen art that will inspire you and anyone who see it when you are wearing the Enso Circle t-shirt swearshirt or hoodie.

In Zen Buddhism the Zen Enso is seen as a representation of enlightenment, infinity, the universe -the perfect meditative state, the search for enlightenment. As a matter of fact, a Zen circle can stand for many concepts in Zen Buddhism such as the continuous circle of birth, death and rebirth or form and emptiness.

There aren’t rigid, definite rules to brush an Enso Circle as an ensou expresses your state of mind when you shape and create it. A Zen Circle can be peaceful or vibrant, serene or energetic, exuberant or sober. There are no two ensos alike. A famous Zen Circle by Fukushima Keido, a Japanese Rinzai Zen master who passed away in 2011 had the form of a triangle, but the Zen master considered it an enso all the same.

Most Zen ensos start at the lower left, but they can be brushed from any point of the circle. Creating an Enso Circle isn’t about brushing a perfect; faulty  is perfectly acceptable, because it is people who draw the universal circle. The ink doesn’t have to be deep black all around the circle either, it can fade or vary, and can be wet or dry. Finally, the Enso circle may be open or closed as well.

The Zen Circle has become one of the most popular images of Zen art, at least in the West, and the symbol of Japanese Zen aesthetics and spiritual arts.

Traditionally, the tools and principles used for brushing an enso are the same as in traditional Japanese calligraphy: brush, ink and rice paper. Usually, you brush a circle in one fluid stroke and once you have created the enso, you don’t refine it in any way. It is what it is at that moment, which is like saying the expression of your mind at that very moment.

Brushing a Zen Circle is a spiritual practice that anyone can incorporate into  their lives. It is the Way of the Brush, as Japanese calligraphy is seen.

If you are looking for some Plumbing services in your area, make sure to judge plumbers well for his professionalism, licensing, duration of work, cost, and reliability. Here are the top questions you need to cross-question your plumber before actually hiring him.

1.   How Long Are You Working And Is There Any Client In The Area To Whom You Have Provided Plumbing Repairs?

As experience comes with time and skills polishes after doing the same thing again and again, thus to judge the professionalism of your plumber, you need to ask him the above-mentioned question. If he gives you a satisfactory answer, then you need to judge if he is speaking truth thus ask him the other part of the question like if there is any client in your area to whom he had already provided plumber repair services. If he successfully and genuinely answers both parts, it’s time for you to ask the next question.

2.   Do You Own Plumbing Insurance And License Of Working As A Plumber?

If he says yes, then ask him for the evidence of license and insurance proof. This is necessary because insured plumbers are responsible for any damage during the service. You cannot claim to an uninsured and unregistered plumber to pay you about the loss that he has made, from the legal point of view. Hence, to avoid inconvenience you need to check the documentation as proof of his yes, and then move to the next question.

3.   How Much You Will Charge Me for Fixing the Bathroom Pipe (Or Any Service Cost That You Want To Hire Him For)?

Best plumbing service provider plumbers do not tell cost on phone, in fact, they want to visit you before figuring out the price of material and overall service cost. A plumber who tells you the price without examining the problem is seasonal one and doing this plumbing thing just to get some extra cash. So, only hire those plumbers who charge you a genuine price and who worth the cost.

4.   Who is going to do the Plumbing task for me and if he is licensed?

What companies sometimes do is, send you an untrained and novice plumber with no specific plumbing skills.  Hence it is recommended that you ask for the licensing proof of the plumber that you are hiring so that you can avoid inconvenience and get cost-effective and long-lasting plumbing services. Genuine plumbers have the license and from the date, on their license, you can figure out their service period.

5.   Can You Provide Me Written Price Quote And Invoices To Me?

Do not agree on a verbal price quote that they will tell you on phone. You must ask for the written price and get a confirmation like if they are charging you on hourly basis or the fixed price. What happens sometimes, if you don’t get the written price cost they can add in the charges and hourly rates in it and can ask you for huge cash and as you don’t have any written proof, you cannot call the authorities for help.

If you get satisfactory answers form the plumbing service provider company, consider them to hire or else, there are lots of other plumbers available in the market, get ready to interview them.

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You Owe It To Yourself To Check Out These Home Improvement Tips!

When it comes to home improvement projects, knowledge is power. If you’re about to start a new project and feel a little lost, take the time to read through the advice in this article. It may help point you in the right direction.

It is extremely important to change your air filters. It will keep the air in your home healthier, and it’s good for your air conditioning system. Many of the service calls that these repairmen face are due to build up that has gotten into the machine from dirty filters.

Whenever you paint, it is important that you always protect the floor. Any paint that gets on the hardwood flooring or the carpet can be really tough to clean up and may actually cause damage. One inexpensive and effective way to protect flooring is using layers of old newspapers. Plastic sheets and paint cloths will also work.

Do you need to work with PVC pipe? You need to use these products only on your pipes because other cements or glues can cause the pipe to leak later. Additionally, there should be no water on the surfaces of he pipes.

If you have extra building materials you can put them in your ceiling or floor. You can put up your big pieces of molding or wood in these areas. Just add some furring strips to two exposed floor joists.

Prior to staining or painting any wooden items, always use sandpaper in order to smooth out the wood’s surface. Once you do this, wipe off the item with a wet rag. Using a fine sandpaper on the surface will smooth it to an even finish. Then collect the dust with a damp paper towel or rag, preserving the smooth finish.

Landscaping is a home improvement project you should consider. The first thing visitors see is your front lawn, and a beautifully landscaped yard and a lush, green lawn can cause friends and neighbors to envy your home. So make sure that you always fix up the front of your home and its landscape so that your home has nice curb appeal.

Since safety should be a priority in the home, have a family meeting focused on establishing escape routes. When something out of the ordinary or tragic takes place, many people panic or freeze. Working out a safe way to escape from your home during a fire or disaster can ensure that you will all be safe. Discuss not only the routes to be taken, but also all possible scenarios.

It’s important that your bathroom has either a window or ventilation system. Humidity from showering with hot water creates the perfect place for mold to cultivate. Painting only covers mold up, it doesn’t eliminate it. Instead, try to find something that will stop its growth altogether. Vents and windows can effectively dehumidify the space.

Almost all building supplies that are used for home renovation projects are prone to theft. These need to be kept safe when you’re not working. If the home itself is secure, with windows and doors that lock, it is fine to leave the supplies inside. If you house is not complete, and impossible to lock, consider buying a lockable container.

Do you want to add some sophistication to your home but are low on funds? An easy way to revitalize that boring old entryway is to install a new doorbell. Your visitors will have a different overall feel of your home.

Add value to your house by refinishing your wood flooring. Although this can be a large job, it really isn’t all that hard. You can usually take a class at the same home improvement store where you will rent the equipment. This can save you a lot of money instead of putting a new floor in.

You can make alcoves and niches in your walls more attractive and distinctive by finishing them differently than the rest of the wall. Try using a different color of paint that accents the main color of the room, or use a contrasting wallpaper. You don’t have to purchase a whole gallon of accent paint, either; a sample container is usually enough for a modestly-sized niche.

One great kitchen and bathroom project is the installation of ceramic tile. From subway tile to mosaic patterns, you can find some great-looking options out there that are affordable and easy to install. Your home’s look can really improve with these tiles.

Change the accessories in every room to give your home a bright new look. A few new pillows or a new wall decoration can create a huge difference in a room. Get new draperies in a lush fabric and vibrant color, then add a vase, a set of pillows and a lamp in the same color, and your room will look like you paid a designer to re-do it.

Consider a lighter colored roof to replace your existing one. With a lighter-colored surface, your roof will absorb less heat energy from sunlight. This will keep your attic, and your whole house, cooler during the summer months, which means your air conditioning needs will be less extreme. Running the A/C unit less means more savings in your pocket.

Investing in some extra insulation can really save money over the long term. Older houses usually seem to need much more insulation. If you put in some insulation in the attic or crawl spaces you will reduce your energy bills and save a lot of money.

Keep your tools sorted into different toolboxes for different types of projects. As an example, you could designate a toolbox for plumbing tasks, and it could hold items such as plumbing fittings and PVC bonding agents. Likewise, you could set aside a box for electrical projects, and it could contain tools and items needed to accomplish electrical work. By doing this, you will be able to locate specific tools whenever you need them.

Using these tips can help you improve your home for the better, and make you feel proud of your home. Also, you may realize these suggestions could be what will help you decide if the project you are considering can be done alone or outside resources are needed.

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