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Andrew Vaughey, How Soon Can You Refinance A New Mexico Mortgage After Bankruptcy
by Super Star 04 Jan '08

04 Jan '08

Andrew Vaughey, How Soon Can You Refinance A New Mexico Mortgage After Bankruptcy How soon can you refinance a New Mexico mortgage after bankruptcy? Probably sooner than you think. There are lenders out there who will not be opposed to working with you immediately after your bankruptcy has discharged. Even so, waiting for a short amount of time could be to your benefit. Refinancing Immediately After Bankruptcy Though refinancing immediately after bankruptcy is possible, you will not be able to properly reap all of the benefits. With a fresh bankruptcy on your record, you are bound to be stuck paying a high interest rate. If the rate is any higher than the rate on your current mortgage, you may end up costing yourself more money. Unless you are facing foreclosure or need to borrow from your equity, taking time to rebuild your credit prior to refinancing your New Mexico mortgage is highly recommended. Refinancing Six Months After Bankruptcy If you started to work on repairing your credit immediately after bankruptcy, you should see some difference in your credit score within 6 months. If your credit score is high enough, this could be the optimal time to refinance. A New Mexico mortgage refinance after bankruptcy can allow you to start fresh with your mortgage, net you a lower rate, and give you a chance to rebuild your credit. Refinancing Two to Three Years After Bankruptcy Within two to three years after filing bankruptcy, your credit score should be back to normal and closer to the New Mexico average of 663. This means that you can qualify for conventional loan rates?currently at 5.63 percent. If you currently pay a rate of 8 or 9 percent, you stand to save an enormous amount of money over the life of your loan. Depending on the size of your loan, you could be saving as much as $100 to $200 every month. Just think of the extra cash that you would have to save, invest, or pay off other debts! For a list of Bad Credit Mortgage Refinance Lenders Servicing New Mexico, visit

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Palm Vacations, Where Is the Best Place to Buy Travel Insurance?
by Super Star 04 Jan '08

04 Jan '08

Palm Vacations, Where Is the Best Place to Buy Travel Insurance? Travel insurance, sometimes called travel health insurance or travel medical insurance is available from a number of sources besides from your travel agent. In fact, it's to your advantage to buy travel insurance online because you have more companies and products to choose from and you can save a lot of money.You can purchase travel medical insurance from your travel agent when you buy your tickets. While that may be convenient, it may not get you the most value for your money. The travel agency will offer you one or two travel health insurance policies sold by one company. The products offered may or may not be appropriate to your circumstances.Also, some basic travel insurance is often available through credit cards. However, that insurance may not be adequate for your circumstances, and you could find yourself under-insured at the worst possible time. For example, your emergency medical transportation costs may not be covered. How useful is that?Another way to buy your travel insurance is to search the yellow pages of your phone book, make lots of phone calls and maybe talk with a lot of voice messaging systems. If you are fortunate enough to be cable to speak with an actual human being, you can ask your questions and take copious notes while the person on the other end of the line patiently outlines for you all the coverage, inclusions, exclusions, limits, etc. of the policies that you are considering.Or you can wait for the travel health insurance companies to send you brochures and application forms. Of course, that might take a long time, which is fine if your departure date is several weeks away. Then, when you are ready to buy, you'll have to go to their office or depend on "snail-mail" to send in your application and payment and then wait to receive your policy. Finally, you can buy travel insurance online. You can locate, compare numerous travel medical insurance policies, and buy the right one for you, all with the click of a mouse. In the comfort of your own home, you can get all the information you need to make an informed choice and purchase excellent travel insurance at an affordable price. You can compare hundreds of policies if you wish, get a quote or dozens of quotes. And you'll have the time to reflect on your purchase before, not after! Also, if you live in a rural area or in a small town, you will find that the online travel insurance companies will be able to provide you with selection, service and convenience, not to mention the excellent but cheap travel insurance you are looking for.If you need to make an emergency trip to deal with a family or business crisis, shopping for and buying travel insurance online is the fastest way for you to get the insurance coverage you need. If you have to make an unexpected trip, you just won't have the time to phone around getting quotes. This is when online travel insurance companies can help you. With some companies, after you have found the policy you want, you can pay for it online, download and print it in as few as 3 minutes after buying the policy.The best part of all is that when you buy travel insurance online, you will be under no pressure to buy until you are ready. Going online to purchase your travel health insurance can save you time and money. What's not to like?To get more information about different types of travel insurance coverage so that you can make an informed choice, compare travel insurance policies, get a price quote or price quotes, and buy travel insurance that fits your needs and your budget, find reliable online travel insurance companies visit Travel Insurance Central.

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{Disarmed} John Rosatti, Lemon Myrtle Essentials Announces Their Organic Skin Care Product Line, Which is Based on Lemon Myrtle Essential Oil
by Super Star 04 Jan '08

04 Jan '08

John Rosatti, Lemon Myrtle Essentials Announces Their Organic Skin Care Product Line, Which is Based on Lemon Myrtle Essential Oil Victoria, Australia (PRWEB) November 30, 2007 -- Lemon Myrtle Essentials ( http://www.lemonmyrtleessentials.com) is pleased to announce that their lemon myrtle essential oil products are now officially Certified Organic. The ingredients that go into Lemon Myrtle Essentials products are pure and organic. Their top quality organic skin care line is affordable so that customers can use these products every day. Organic accreditation guidelines dictate that in order for a product to be labelled as certifiably organic, 95 percent of its contents must be Certified Organic. The remainder of the ingredients must be approved by stringent Australian guidelines that control the content of the remaining 5 percent. Lemon Myrtle Essentials understands that being organic is more than just being certified. A true organic company focuses on the integral value of what they sell as well as the essential qualities of the ingredients they put into their products. Their lemon myrtle essential oil is not only organic but is biodynamic as well. Wherever possible, Lemon Myrtle Essentials uses virgin and/or unrefined vegetable oils. V. Anderson, a satisfied customer, states: "I really do love your products. I use them all the time, particularly the organic mist spray which I spray all around me before leaving my home and the hand lotion. I also love the fact that your products are not watered down and that you can really smell the lemon myrtle all day long. And of course this has to do with the purity of the lemon myrtle oil and it also accounts for why the products are so uplifting. From my aromatherapy training, I know the purer the products the better it is for the body and one can certainly feel & smell this with your gorgeous products." Lemon Myrtle Essentials provides organic skin care products that leave their customer's skin feeling clean and fresh. Despite the unique processing of their formulas, their product line is affordably priced so that client's can use them every day. For more information visit: http://www.lemonmyrtleessentials.com About Innova Pacific, the company behind Lemon Myrtle Essentials: Lemon Myrtle Essentials (http://www.lemonmyrtleessentials.com) is an Australian company owned by Aileen and Kurt Peer of Innova Pacific. Innova Pacific is well known for its uplifting and unique healing products. The Peers desire to share lemon myrtle, a unique and distinctive essential oil, is the driving force behind the success of this company. (An http://IPRWire.com <http://iprwire.com/> Press Release) Contact Info: Name: Aileen Peer Address: RMB 3002 City: Shepherds Flat State: Victoria Country: Australia Zip: 3461 Web Address: Phone: +61-3-547-64100 ###

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United Built Homes, Good Faith Deposit – Real Estate Transactions
by Super Star 04 Jan '08

04 Jan '08

United Built Homes, Good Faith Deposit – Real Estate Transactions In a real estate transaction, a touchy issue is how much trust the seller has in a buyer. The existence of a good faith deposit helps put a seller at rest. Good Faith Deposit If you are selling your home, condominium or other real estate, you should always require a buyer to make a good faith deposit. The good faith deposit simply establishes that the buyer is serious and, to some extent, has the financial capacity to follow through on the purchase. The amount of the good faith deposit is dependent upon the agreed sale price of the real estate. Although percentages vary from state to state, a cash deposit equal to three percent of the sales price is typical. For instance, the deposit would be $9,000 for home selling at a price of $300,000. As with most transactions, this percentage is negotiable. I don't recommend that you accept anything less than two percent. Once the buyer and seller agree to the amount of the good faith deposit, you have to figure out what to do with the deposit. Importantly, the seller should not hold the deposit as doing so could make the buyer very uncomfortable. Instead, the money should be deposited with a third party and held "in trust." Potential third parties include escrow and title insurance companies as well as an attorney if your state requires their involvement. A good faith deposit acts like an insurance option for a seller. Moving through escrow can take 30 to 60 days, during which the property is off the market. The good faith deposit essentially compensates the seller for this time in the event the buyer is unable to follow through on the purchase of the property. Depending on the laws in your state, a buyer who can't close will lose the deposit. Typically, the only exception to this is when the seller allows language indicating the deposit will be returned if the buyer can't get a home loan. Of course, including such language can open the seller up to repeated frustration when bad credit buyers repeatedly fail to get funding.

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Martin Pelmore, Bad Credit Remortgage
by Super Star 04 Jan '08

04 Jan '08

Martin Pelmore, Bad Credit Remortgage Those who have bad credit will be surprised to learn that they can obtain a remortgage on their property with little or no trouble. There are several mortgage lenders throughout the United Kingdom offering bad credit remortgages for people who have problems with their credit. Many of these lenders are offering attractive rates to lure new customers to them. In addition, some lenders in the United Kingdom offer to pay administration fees, the cost of the basic home valuation and even the fee the solicitor charges to tend to the matter. There are many reasons to remortgage your property. These include obtaining more flexibility in your mortgage, lower mortgage payments and to secure a lower interest rate. If you currently have a standard variable rate mortgage, for example, you may find it desirable to obtain a fixed rate mortgage so you can budget for the payments. A fixed rate mortgage generally has a higher rate than a variable rate; however, if you are paying a relatively high variable rate mortgage you may discover that the fixed rate mortgage now being offered by some lenders is lower. If you wish to lower your monthly mortgage payments, you may choose to remortgage with a tracker rate mortgage. A tracker rate mortgage rate is generally lower than a fixed interest rate mortgage. The tracker rate is generally slightly higher than the Bank of England?s base rate. As the base rate is now quite low, it may be financially beneficial to remortgage using a tracker rate mortgage. Many lenders offer discount rate mortgages that also tend to have a lower interest rate than a fixed rate mortgage. Unlike tracker rate mortgages, discount rate mortgages are based upon the lender?s rate and are generally fixed for a short period of time. Those who wish to obtain more flexibility in their mortgage payments, may choose a mortgage that offers payment holidays in which the normal payment is suspended for a period of time. Others may choose a mortgage that offers the borrower to make overpayments on the mortgage without incurring a early repayment charges. Other options available in remortgaging include getting an interest only mortgage or a split mortgage. Both of these mortgages substantially lower monthly payments as they require the borrower to pay only the interest, as is the case with a interest only mortgage, or part of the interest, as is the case with a split mortgage. Borrowers should realise that in both of these cases they are not paying down the capital owed on the property, which will fall due after a specified period of time. However, if you plan on receiving a large sum of money in the future, such as an inheritance, an interest only mortgage may be an ideal plan for you. There are many different bad credit can remortgages available in the market today. Those wishing to remortgage their property can look at the variety of bad credit re mortgages offered in the market by visiting Finance Tracker to learn more about the different rates and types of mortgages that are available in the market. Use the Finance Tracker service and apply for a bad credit remortgage at competitive rates. Finance Tracker will find you a re mortgage from the whole of market. They specialise in adverse credit cases for home owners.

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Nikolai Lyustiger, Online College Class: Coming To A Computer Screen Near You!
by Blogger Man 03 Jan '08

03 Jan '08

Nikolai Lyustiger, Online College Class: Coming To A Computer Screen Near You! Online college class is on the rise in popularity. Of that there is no doubt. The modern technology and online education system has grown an unbelievably large following. Online college class is an excellent method of obtaining a college degree from an accredited institution while working a full time job. This process affords any student to take advantage of the agility and flexibility of internet college classes and adapt them around the jobs and family life. This is the ultimate solution for stay at home moms and dads to take college classes while maintaining the children and the house. There is no expensive transportation costs associated with online college classes or day care bills. The college class comes to you computer screen with all the modern technology to make it an experience to greatly benefit from. Just imagine not having to put up with costly lunches and irritable commuters and enjoy the soothing atmosphere of home while taking college classes. Taking an internet college class is not only beneficial for furthering an existing career; they also provide many options to graduate into degree programs. Obtaining a college degree from home is also a distinct possibility with many reputable physical universities now offering their programs online. Schools that are not available geographically to some potential students now have a feasible option to entertain those educational institutions. Handicapped students and those will full time jobs are also some students that have historically excelled using an online college class. Most greenhorns to the online educational setting often wonder how the internet college classes are carried out. There are actually a variety of ways and most online educational programs differ according to individual school. There are two major media types that are utilized when taking an online college class. One method of conducting an internet college class is through a process called live media. This type of online college class is designed to allow student to log in to the class that is set up similar to a chat room. There is not only a chat feature but also a live audio chat to engage student teacher and student-to-student interaction. The specific topic or lecture that is being given by the instructor can be heard through the computer speakers or headphones of the student's choosing. In this mode of internet college class, there are two options for communications. Any student can choose to participate via the microphone or through text chat as well as in combination. Many online institutions also incorporate the video cams in that the students can watch the instructor live in a smaller window on the monitor. One of the definite bonuses to an internet college class is that there is no need for note taking during a lecture as the lecture is typically saved and uploaded to the school server for access by the students. If not, the option is always available to record it via personal computer and play it back at a later time. There is only one affordable, exciting option to kick-start a fabulous career. Start an online college class today! Troy Degarnham is the author and webmaster of , an informative website about Online Education. Extensive help and tips on online education teaching, learning, degrees, and available courses. --------------------------------- Never miss a thing. Make Yahoo your homepage.

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The ticket clinic, What To Know Before You Start A Lawn Care Business
by Blogger Man 03 Jan '08

03 Jan '08

The ticket clinic, What To Know Before You Start A Lawn Care Business For those who relish the idea of entrepreneurship, the start of your own small business can be enormously freeing ? both financially and emotionally. Of course, owning and operating a successful business means initially finding a business idea that will meet a need while generating enough of a cash flow to be financially viable. A lawn care business can be a wonderful business, both in terms of the demand for its services and the possibilities for a lucrative return on investment. Clearly, the first step in determining whether or not a lawn care business is for you, is examining your enjoyment of such work. Starting a business built on financial goals rather than your love of the business is destined for failure. If you truly love to work outdoors, to bring creativity to the table, to nurture a lawn into health and vitality, then a lawn care business will bring you much more than cash. If you love what you do on a daily basis then you will never work another day in your life; because when you do what you love it doesn?t feel like work. One thing you should know up front before beginning a lawn care business is the non-traditional hours that will be required of you. Many of your customers will require your services over the weekend; some lawn maintenance may need to be done during early morning hours ? or later when the sun has set. While you may be successful enough at some point to hire employees who can help offset the workload for you, initially it may just be you. Be prepared for some long days and weeks early on in your lawn care business as you build your customer base. In the beginning of your lawn care business you may consider keeping your full-time job as you work after hours building your business. Once you begin receiving a steady stream of work you can leave your full-time job and concentrate solely on your new venture. In an effort to build business, it may be wise to offer a variety of services; mowing, weeding, raking, leaf blowing ? all of these can keep you busy throughout the year. If you feel that a lawn care business is right for you begin by doing a vast amount of research regarding start-up costs, proper equipment, fee schedules, and insurance. Hiring a lawyer is a wise idea as he/she can assist you setting up proper financial accounts and more. As you begin this journey into a new career, you may find that a lawn care business is exactly what you?ve wanted to do all along. ____________________________________________________________________________________ Be a better friend, newshound, and know-it-all with Yahoo! Mobile. Try it now. http://mobile.yahoo.com/;_ylt=Ahu06i62sR8HDtDypao8Wcj9tAcJ

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Opera EU complaint against Microsoft: Groklaw interviews
by Sean DALY 21 Dec '07

21 Dec '07

I have interviewed the CEO & CTO of Opera for Groklaw, as well as Thomas Vinje of ECIS representing them in Brussels. http://www.groklaw.net/article.php?story=20071220115451997 http://www.groklaw.net/article.php?story=20071219231703353 Although Opera is not a libre software company, their efforts to promote standards and a level playing field for competition are commendable in my view. They have also expressed concerns about patent licensing issues. If their complaint is upheld by the EC DG-Comp, I believe free software will benefit. Sean

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Fwd: [cc-licenses] Wikipedia and Creative Commons next steps
by Ciaran O'Riordan 17 Dec '07

17 Dec '07

For anyone interested in documentation licences and Wikipedia: "Lawrence Lessig" <larry(a)creativecommons.org> writes: > Last week the Wikimedia Foundation board took an important step[1] > toward giving Wikipedia the right to choose to migrate to a Creative > Commons Attribution-ShareAlike license. Credit goes to the Wikimedia > Foundation and Free Software Foundation for having the wisdom and > foresight to enable this progress. > > However, the real work has just begun. As Wikipedia founder Jimmy > Wales put it[2]: > > Now, community, we have a lot to talk about. :) > > For Creative Commons, this means continuing[3] a discussion concerning > how the CC Attribution-ShareAlike license can be improved so as to not > only be the best available license for a massively collaborative > content project, but the best such license feasible. > > To start with, Wikimedia board member Erik Moeller has posted[4] a > list of issues that we want to address -- with input from across the > CC community. > > One of these issues holds particular interest: Should the ShareAlike > requirement be more precisely defined for "embedded" media, and if so, > how? For example, if an image licensed under Attribution-ShareAlike is > used to illustrate an article, must the article be similarly licensed? > This has previously been discussed[5] on the cc-licenses list, and we > welcome the opportunity to drive that discussion to a happy > conclusion. > > Tentatively the eventual outcome of these discussions will be a new > version of the CC licenses. We'll say version 3.5 for now -- a > significant improvement, but still within the framework of version > 3.0[6] and folding in the work done so far on proposed version > 3.01[7], thanks again to the Wikipedia community. > > The primary venue for this discussion focused on improving CC licenses > is the cc-licenses list[8]. We encourage you to subscribe and > participate. Of course related discussion will and should continue on > Wikimedia and other lists. > > Thanks again to the WMF and FSF, and thanks in advance to you, the > community, for the work that is ongoing and about to begin! > > > Lawrence Lessig > CEO > Creative Commons > > > [1] http://creativecommons.org/weblog/entry/7876 > [2] http://lists.wikimedia.org/pipermail/foundation-l/2007-December/035554.html > [3] http://creativecommons.org/weblog/entry/7718 > [4] http://lists.wikimedia.org/pipermail/foundation-l/2007-December/035677.html > [5] http://lists.ibiblio.org/pipermail/cc-licenses/2007-February/thread.html#51… > [6] http://wiki.creativecommons.org/Version_3 > [7] http://wiki.creativecommons.org/Version_301 > [8] http://lists.ibiblio.org/mailman/listinfo/cc-licenses > _______________________________________________ > cc-licenses mailing list > cc-licenses(a)lists.ibiblio.org > http://lists.ibiblio.org/mailman/listinfo/cc-licenses > -- Ciarán O'Riordan __________________ \ Support Free Software and GNU/Linux http://ciaran.compsoc.com/ _________ \ Join FSFE's Fellowship: http://fsfe.org/fellows/ciaran/weblog \ http://www.fsfe.org

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GNU FDL changes
by Florian Weimer 10 Dec '07

10 Dec '07

What is the FSF Europe's position regarding the (proposed?) changes to the FDL to make it compatible with (some of) the CC licenses?

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