Many homeowners don’t comprehend this, but there are many rules in place that keep your lender from taking advantage of you, while they are foreclosing on your home. Every day, I hear: My bank just wants to take my home because it’s worth more than the payoff. In some cases, this may be the case, but by law, your mortgage company must sell the home for its fair market value and pay you any proceeds over and above the amount owed. Lenders may try and take advantage of the fact that most borrowers don’t know the laws when it comes to foreclosure, but we’ll help you understand your rights and hopefully get some money back if you’ve lost your home.
The main issue we’ve seen is when lenders accept an offer on the home as quickly as possible, just to pay off the mortgage. After the foreclosure and eviction, mortgage companies seem to forget about following the laws. For example, lets assume your home is worth $300,000, but your total payoff is only $275,000. Your mortgage company has a legal responsibility to sell the home for it’s fair market value, which is $300,000. This would leave $25,000 for you. What usually ends up happening is the bank accepts the first offer they receive of, lets say, $250,000, then they sue the home owner for a $25,000 deficiency judgment.
In a case where the bank has a legal responsibility to pay $25,000 to the homeowner, instead they end up stealing the home and suing the homeowner for an additional $25,000. There is absolutely no reason the homeowner should have to pay for the the lenders neglect to sell the home at a fair price.
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These days some people are doing their own conveyancing and shops are selling DIY Wills, why use a Solicitor? A Solicitors Practice will have experience in each area of work; know the pitfalls and where money can be saved or gained. In addition all their work is guaranteed by the Solicitors Regulation Authority to be insured, unlike DIY work or legal work performed by some others. Some more specific examples follow:
An Experienced Solicitor will identify whether you require a straightforward Will or whether additional professional attention is required. They can ensure that your Will is enforceable. If the formalities are not completed a Will may not be enforceable and your property may not be distributed as you wish. A Solicitor’s advice can reduce the Inheritance Tax payable, potentially saving more of your estate for your beneficiaries. If you have children or have been married before then a Solicitors advice can be invaluable.
You might be wondering why Oprah Winfrey, Sir Richard Branson, and Donald Trump have attained a lot of achievements in their lives already. Some people say it is their charm, luck and hard work that made them accomplish the best. There are some folks who believe that it is the power of Feng Shui that taken them to where they are today. However, only some people really know the whole lot about Feng Shui.
What is Feng Shui?
Feng Shui, commonly pronounced as Fung Shway, is an ancient art form that increases the flow of Chi or good energy around us. It aims to show that the material environment must begin acquiring positive alterations in our lives. Because of some decorations inside the home such as art, interior designs, and mirrors, the positive flow of energy can flow more generously. Feng Shui can be the answer to your enquiries regarding love, success, prosperity, stability and good health for it is very practical and balanced in giving your necessities.
This weekend my partner and I began to shop for a new kitchen for
our family home. Like many homes, I’m sure, our lives and daily
activities largely revolve around this one room – hence why such thought
was put in to purchasing a new one!
Despite seeing some sunshine,
moonlight and good times, our current 1970s style kitchen is unlikely
to boogie without a much needed hip-replacement… or new cabinetry at
Parquet hardwood flooring has a very different look from typical hardwoods. They were originally made up of many small pieces of exotic woods arranged in intricate geometric patterns. Modern parquet hardwood flooring consists of solid tiles of wood pre-arranged in patterns, making it easy to install. Parquet hardwood flooring is generally the cheapest, however it is harder to refinish than other solid wood floors and its life span is relatively shorter.
Parquet hardwood flooring comes in many designs, ranging from the basic parquet, to basket weave and herringbone. They come in large tiles made up of geometric patterns composed of individual wood slats, held in place by a paper or plastic mesh backing. The visual effects of parquet hardwood flooring can be quite stunning, and variety can be brought to the room simply by moving a rug of piece of furniture to expose of cover different patterns.
Parquet flooring can be attached to either a wood or concrete sub-floor, however concrete sub-floors often require an underlay to help compensate for any unevenness. Because the smaller pieces arranged in different directions result in less overall cross-grain expansion, parquet is a good choice in areas where the moisture content of the flooring is expected to change significantly over time.
The decision to have wall-to-wall, area or throw rugs can get complicated. Having wall-to-wall carpet means never having to clean any floor around the rug or rugs, but it also means periodically shampooing the carpet. Between shampoos, the carpet must be spot cleaned when spills or pet accidents occur.
Noise is more bothersome when there are too many hard surfaces in a room, especially when things like radios, stereos, televisions and telephones are added to the mix. Area rugs help to absorb and reduce the noise, whether in the home or office. Also, noise between floors in a house or apartment building may be reduced with area rugs.
Area rugs are just as difficult to keep clean, although they do often have the advantage of being rotatable thus avoiding traffic patterns and fading due to sunlight. Area rugs are a great way to personalize your home or office environment. They add color and artistic expression, whether you want it to be mild or wild! And, rugs certainly help to define the mood or character of a room. There’s only so much you can do with walls, but there’s almost no limit when it comes to using rugs as part of your decorating plans. A great way to describe rugs is practical, functional art for the floor!