my reason for writing this article is only to create awareness for the benefit of Borrowers and Families at hardship. I work for a Law Firm specializing in the representation of Homeowners and Families in braces of Foreclosure. What the lender doesn’t tell you is that in most scenarios, the Mortgage Mod terms the banks are willing to give you voluntarily when you modify your loan directly with them are in most cases substandard in comparison to the modification terms you will receive when hiring an attorney who specializes in Loan Modifications and Foreclosure Defense. Again, I am not a Attorney but I have been working for a Foreclosure Defense law firm for longer than most authors on the subject and my Mortgage Lending experience is extensive, including several years in the Loan Origination and Correspondent Lending arenas.

Working for a Loan Mod & Foreclosure Defense law office, in my personal daily experience it has become apparent that a good law firm is most often able to negotiate much better modification terms for homeowners than banks are normally inclined to give when a borrower engages in direct dealings without representation. In some cases I’ve even seen scenarios where the law firm is able to secure modifications to a mortgage which result in interest rates an repayment plans for “B-C Paper” or Sub-Prime Borrowers which are far superior than those available to “A Paper” borrowers with spotless credit histories and FICO scores above 725.

Loan Modifications (also referred to as Loan Mods), when executed by licensed attorneys, can be extremely effective methods of avoiding foreclosure or stopping foreclosure before it starts by adding changes to the original terms of your mortgage. Altering your mortgage terms can be a HUGE savings in regards to your Monthly Payments, Interest, and even Mortgage Terms in regards to the number of years in which you have to repay the loan, and sometimes resulting in a great savings due to a reduction to the Principal Balance amount owed on the loan.

Forensic Audit is one of many highly effective ways used to expose Fraud and other critical errors made on behalf of your Lender during the origination and closing of your loan. Forensic Audits bring out things like Forgery or Violations of the R.E.S.P.A. (Real Estate Settlement Procedures Act), T.I.L.A. (Truth In Lending Act), among others in relation to Federal Guidelines and Regulations which must be strictly adhered to by professionals working in the Mortgage Lending Industry. Once discovered these violations can become essential to the defense of your home and Mod of your loan. In my experience lenders are often much more inclined to work with borrowers to provide loans in their best interests when there is an attorney behind them with enough artillery in their war chest.

Banks have become the casinos and if they had it their way “The House Would Always Win” Do yourself a a good turn and put the cards in your favor by hiring a Foreclosure Defense Law firm. This way you can win instead!

Technorati Tags: banking, family, finance, foreclosure, home, law, legal, Lending, mortgage, personal finance, Real Estate

As the financial situation has become unpredictable and erratic, non prime loans have taken a nosedived, leaving the investors in a fix. As it is a gamble the investors expect some kind of relief soon. The degree of the gamble has in turn hiked credit prices for borrowers. Initially investors gained considerably from the increase in fiscal growth and the rise in prices of bonds and currencies. But at that time the gamble in the markets was at a very low level and both consumers and markets basked in easy credit facilities.

The risk is so high that the credit now comes at astronomically higher rates for the borrowers. The value of bonds and currencies has become dearer. The high fiscal growth earlier was in favour of the investors and consumers. This can be attributed to the low risk level and the easy access to credit that existed then.

Majority of the borrowers will try to take advantage of bad credit mortgage refinance with the expected interest-resets by way of refinancing. There will be borrowers, who will be compelled to sell off their houses or lose the property to foreclosures due to their inability to meet high interest rates.

Loan borrowers were in a grave situation owing to the stricter loan guidelines announced by federal authorities. Lenders too publicized risk linked pricing on most of the home loans with a qualifying level to decide the interest rate. The lower the credit score in the qualifying level, the higher the interest rate.

The US Department of Treasury has tried to deal with the issue of bad credit mortgage refinance by issuing certain guidelines. This will be advantageous to more than 9 million home owners as their mortgages will now be priced more reasonably and they will be safe from foreclosure. This type of a refinance program will definitely benefit the society in general. It will make it very easy for those people with a good repayment record to gain from this scheme.

The Federal treasury Authorities has also realized the position of the bad credit mortgage refinance and has announced the eligibility criteria and program guideline for the suffering people. The loan modification program is for defaulters and for people who are in imminent danger of becoming so.

Those who wish to get the refinance have to be in a really precarious situation which is indicated by the escalation in expenses as well as the decline of their income. They should be able to convince the authorities that they had incurred losses due to the hike in interest rates. Another reason they can give for the same is by showing an increase in the mortgage debt on the asset price. Other causes which prove as instrumental in causing them to arrive at a state of default would also suffice.

The assessment of the property must be done and the documents i.e. Current income tax return, pay slips and a signed affidavit of the burdens encountered must be included by the applicant. This type of loan alteration or bad credit mortgage refinance is only valid up till June 2012.

Technorati Tags: advice, bad credit, banks, blog, debt consolidation, employment, house, Jobs, loans, money, mortgage, Real Estate, refinance

No one should sign the papers making a home theirs until they make sure they know what they’re getting into. That means getting a building inspector to check over the whole house and make sure that there’s nothing wrong, either structurally or internally. This means you can’t rely on your local government inspector – you need to hire someone who’ll do the job thoroughly.

If you’re only worried about making sure your home is in good structure shape, choose a structural report. This type of building inspection covers the floors and footings, inside and outside walls, the roof, ceilings, and other structural items. This is a great choice for people who feel like they can handle inspecting the non-structural aspects, or who are planning to totally renovate their new home after purchase.

If you don’t think you’re qualified to take on the rest of the inspection on your own, or you want a house that’s ready for you to move into, you need a whole building report, instead. This includes structural inspections, as well as other elements like wiring and plumbing, doors, windows and cabinets, drainage systems and possible termite infestations. This is a nearly complete audit of the house, and will tell you everything you need to know.

Some people believe that they don’t need to get a home inspection, but they couldn’t be more wrong. The relatively small fee you pay for a home inspection is well worth it to ensure that you aren’t buying a home that needs an entirely new roof, has a sagging foundation, or is full of termites!

This kind of damage in your new home could be extremely expensive to repair, and may make you wish you’d never spent the money. Taking the time to have a good quality report done by a registered engineer or builder is just a smart step to protect yourself. You can’t do without it.

You may be surprised by the number of sound looking houses that turn out to have something serious wrong with them. There are so many things that could happen to an otherwise perfectly good house. Bad wiring, leaky plumbing, cracked foundations and walls, unstable floors and rising damp are all things you need to know about before you buy.

Of course, you should be certain that you know who you’re hiring for the job. Make sure that you’re working with an inspector that has a good reputation, is very thorough, and has the training required doing the job right. Then you’ll be sure that you’re buying the home you think you are.

If you’re very lucky, your inspector won’t find any problems in your new home, and you’ll be able to be certain that your house is ready for you to live in it. On the other hand, if you do find damage, at least you’ll know about it in advance. After all, no one wants to pay too much for a house that isn’t what they had in mind.

Technorati Tags: building, building inspections, construction, consultants, inspectors, Real Estate, reports

Investment property advice is crucial if you’re serious about going down this road to build riches. Many newbie real estate owners try to learn the fine points of real estate investing the hard way (i.e., through trial and error) but this strategy can be expensive. It would be more beneficial if you get advice from specialists who have ‘been there and done that already. Read on to learn excellent tips to follow during the whole investment process. At the end of this document, you’ll find the contact details of a leading firm for property investment, which can proffer sage investment property advice.

The first step to successful property investing is to find positively geared property to purchase. This indicates that rental fees you can collect should be more than the expense of owning the real estate. Property investment advice should include how to find the best price on properties with the most income potential. It should also include property investment education that involves finding property management that will not drive up the cost of maintaining the property too much. The best sources of this information are professionals who have already been successful in finding positive geared property.

Positive cash flow property can be found in the outer suburbs of major capital cities. There are some suburbs closer to the CBD where positive cash flow properties are still available, but harder to find. By narrowing your search to only a few suburbs you will get a better understanding of exactly what properties are worth in those suburbs. This strategy will facilitate you finding real estate bargains sooner than investors.

If you want to spot great property deals, get ready to do a lot of legwork. While untold numbers of property investment seminars claim that being on the prowl for great deals is the best, investment property advice that advocate you to direct your energies on only a few districts is far more valuable. No wonder a property coach and buyers agent are considered invaluable. These people will lead you to locate the best the real estate for your money. Let their experience work for you, enabling you to invest your funds wisely.

Financial agreements are some of the necessities of dealing with buying an investment property. If you want to have as much capital as you can for investing, you should not make foolish funding decisions. Procuring positive cash flow property doesn’t indicate you should not tackle financing shrewdly; that is of course, if you aim to acquire more properties in the near future. Mortgage brokers cannot assist you with your financial problems for all your real estate possessions. This may put in check the possibility of buying more real estate soon after. If you want an investment tactic that will help you achieve your goals, why not contact mortgage planners?

Coming across positive cash flow property is probable if you receive -and heed!- the guidance of professionals. To receive the best investment property advice, contact qualified professionals who a great and proven in investing.

Technorati Tags: investment, property, Real Estate

The short sale process is long and difficult. The homeowner is in a situation where their mortgage value is higher than that of their home – the short sale definition. Most of the time homeowners comes very close to foreclosing before admitting that the time has come to begin the short sale process.

Before the process can begin there must be an agreement between both lender and borrower. It’s an agreement between two parties that involves many complexities. The most valuable aspect of the transaction for the homeowner is the avoidance of foreclosure.

The two parties first agree to the short sale, and then they must deal with all of the various and complex aspects of the bank short sale process. For example, they must decide how much of and the manner of the debt to be forgiven, the price of the home, payment of fees, and then deal with the purchase agreement. It is absolutely vital at every stage to have the assistance of a professional. The short sale process is not to be done on your own!

The homeowner will need to complete a document known as the hardship letter to verify how they ended up in the short sale process. The statements in this document will be verified by various financial documents provided by the homeowner. It is in this manner that the lender will verify how the borrower ended up being so dangerously close to foreclosure.

In the end, the short sale process is done for the bank to be able to keep its losses at a bare minimum. For this reason the lender must have the home appraised by real estate professionals in order to to assess the fair market value. It is all about the bank trying to recover as much of its money as possible.

If the home is sold in accordance with the agreement – then the money will be used to settle the debt. The bank is not obligated to wait any longer than they agreed to wait in the contract. They can legally proceed with foreclosure if it is not sold by the date agreed to in the contract. These issues will be clearly stated in the agreement.

Just because you go through the short sale process, your credit doesn’t have to be destroyed. There are many aspects to a short sale and many borrowers have missed deadlines relating to financial issues directly affecting their credit rating. Their credit was damaged as a result. Some end up with damaged credit due to having other areas of financial responsibility involved in the short sale process. Damaged credit is not a definitive result of a bank short sale. This is one of the more prominent reasons that we have to acquire experts and then follow their advice.

Our primary goal is to complete the short sale process and end up with as little damage as possible. If done correctly, we could end up with no unpaid property taxes, stable credit, legal fees paid, and without foreclosure. We may lose our home – yes, but we’ll be in the best position possible to buy again!

Technorati Tags: bank short sale, debt, debt relief, family, finance, foreclosure, home, loan consolidation, loan modification, mortgage, Real Estate, short sale, short sale process

You will need to learn technical analysis if you want to master currency trading. Technical analysis is most suited for forex trading. Forex markets are highly liquid and lend themselves very well to technical analysis methods. Charting shows us where price has been in the recent and distant past. Technical analysis is like a picture or window that helps us perceive the attitudes of the market participants as reflected in the price behavior of the market.

Certain technical indicators give us clues as to where the price is heading based on the past price action. The basic purpose of technical analysis is to uncover and forecast market movements.

Traders use technical analysis to find trends, support and resistance, trend reversal signals, potential price moves and the distance the price can move based on the measuring techniques.

How can we improve our odds of making a winning trade? When should we pull the trigger to enter a trade? The answer lies in the multiple time frames. Long term time frames do influence the short term time frames.

How do we know which is the dominant time frame to follow. Which time frame triggers actions first? What is the shortest time frame a trader should choose against a longer term time frame?

To find out our window of opportunity we need to know; which time frame is the best to pull the trigger. Which time frame is the best to set your stops? Which time frame is used to best to establish your profit targets?

Will you look to expand your trading opportunity as a position trade to ride a long term trend? Are you entering a trade for scalping, day trading or swing trading? Knowing what type of a trader you are is critical to your success as a trader. You should treat trading as a business.

Before making any trade, you need to decide which investment vehicle is the best to capture the risk to reward parameters and in the time frame you expect the market might take to reach those objectives.

If you believe that you can achieve your profit objective with a high ROI with forex futures or forex options or currency ETFs then dont hesitate to use those instruments. It is not necessary that you only trade spot forex market.

You may think of yourself as a day trader or a long term trend follower. Only after that you will be able to determine which time frame to follow and then you can monitor shorter term time frames as well.

As a long term trader you may need to use the short term day trading techniques to cover your trading expenses and make profits to pay your utility bills when the market is in a consolidation phase. Eventually you will encounter market phases that may dictate that you diversify your trading tactics. If you are trading for a living, then always take trading as a business.

Technorati Tags: business, credit, day trading, debt, finance, forex, futures, Investing, mutual funds, options, Real Estate, retirement, stocks, trading, wealth

Arizona real estate market is really hot. The centre of a lot of action in Arizona is Phoenix metropolitan area. However, when it comes to real estate investing, every area is hot.

Based on whether you are looking for Arizona real estate just as an investment avenue or whether you are looking for Arizona real estate to actually live in, your preferences would change a bit. However, one thing which you would always want is a low price. And that is something that would require some effort.

If you are looking to get a piece of Arizona real estate for yourself and your family, then you need to consider a lot of different things which will also influence your perception of the lowest (or the best price) for that Arizona real estate piece.

Yes, that does take effort and if you were to think that money can be earned without putting-in even that much effort, I would tend to disagree with you. A small amount of effort can really make a difference of thousands of dollars in terms of the California real estate deal that you get.

So with the California real estate prices rising (as always), investing in California real estate does seem like a great idea.

Real estate investment can happen for various reasons. You could invest in real estate because you need a house for yourself (that house of your dreams that you so badly want).

Whatever the reason, letting out real estate demands real estate management and real estate management is not an easy job for everyone. In fact, a lot of people find it so much of a hassle that they prefer keeping their property vacant instead of letting it.

Real estate management also requires you to do repairs as and when required. Real estate management activities also include maintenance, painting, polishing etc of the house when the tenants move out and before the new tenants get in.

Yes, this will mean that what you receive as an income by letting your property will be reduced (due to the commission/ fee charged by the real estate management firm). But that is just a small price for the convenience that a real estate management firm brings to you.

Technorati Tags: arizona, california, credit, debt, financial, home, house, loan, mortgages, Real Estate, tips, United States

With the real estate market in a slump, many agencies are attempting to develop methods to increase the amount of prospects that are available to the agency. One of these methods and perhaps the best available method is Internet marketing. Internet marketing for real estate agents provides more potential prospects thus increasing the profitability of the agency.

Traditional real estate marketing has included direct mail, local newspaper advertisements and good old fashioned cold calling on the telephone. These time tested marketing strategies work fine in a bull market but how do you find new customers in a bear market? There has to be a way to draw customers from outside of your traditional marketing areas.

In any given area of the country there is a movement of people both entering that particular location and moving out of the area. Traditional methods of displaying listings don’t, can’t and won’t reach someone who is interested in moving into an area. If a person is moving out of the area, there has to be a way to show them residences that are available in the area that they are moving into.

The internet provides the ideal medium to put your inventory of homes available to out of area clients. Through the availability of the Internet, your inventory of homes can be made available to anyone with computer access. This computer access permits prospective homeowners to view the available listings in the comfort of their own home. The listings of any Realtor can be posted on the Internet for a minimal cost.

The ability of the real estate agency to advertise a property on the internet will provide additional listings to the agency from sellers who wish to expand the exposure of their home to buyers. This increased exposure will result in a quicker sale and happier customers.

When placing a listing on the Internet, the real estate agent must insure that the pertinent data from the MLS listing is included in the on line listing. Additionally, photographs of the home can be placed on the on line listing of the residence. While photographs are an excellent method of allowing a prospect to view a property, a better way exists. Digital video can be recorded and stored in a WAV format. The WAV format can be read by all media players. A video “walk through” of the house can be recorded and placed in the on line listing. The prospective client can walk through the home whether they are 100 miles or 2 continents away.

Internet marketing for real estate agents brings results from both out of town prospects and additionally prospects that are in town. The inclusion of a description, the MLS listing and photos or a video of the property allows the prospect to view and significantly reduce their “short list” of homes that are available in the area. Internet marketing expands the customer base which provides the agency with a higher bottom line.

Technorati Tags: agent, broker, business, Internet, investor, lender, marketing for real estate agents, mortgage, myspace, Real Estate, realtor, viral

real-estate runors: VA. Neighborhood Registries 9-23-2009
… who will help distressed homeowners by acting in their best interest to help them find the best solution to the complexities they are facing. I understand the full range of solutions and am ready to help. Smith Mountain Lake Rental …  read more…

Vicki Millehan: 2009 Smith Mountain Lake Wine Festival is Here!
September 26 and 27 is the Smith Mountain Lake Wine Festival at LakeWatch Plantation! It is still not too late to buy advance tickets at a discount! You can even buy them online, but hurry, advance tickets are available until … Well, first off, if you are going to be sampling a lot of wines: bring a designated driver! Law Enforcement will be present to make sure everyone stays safe. Secondly, bring your ID! You would hate to miss out on sampling award winning wines. …  read more…

The Book of Kell: SML
Smith Mountain Lake, also known as the jewel of the Blue Ridge Mountains is a great place to spend some time in the outdoors. This is a beautiful lake with 500 miles of shoreline complete with it’s very own marina chapel and ice cream …  read more…

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Investing In Smith Mountain Real Estate Market Is A Good Option
There is absolutely no denying the fact that recession has hit all markets and business sectors. But, real estate industry is still on track. Though it is true that housing market is not very good in …  read more…

Lots to See & Do in Montana State, USA
Rugged Montana river breaks and sagebrush grasslands are all there at Sand Creek Wildlife Station, Charles M. Russell National Wildlife Refuge. During the ice-age when Missouri River in Michigan is tu…  read more…

Where to Go in California
Warner Bros. Studio Tour is a tour of a Museum cum Studio. Visit some sets, costumes and learn about film making. However no kids under 8 are allowed. Summer timings are 9am to 3: 30pm and in wint…  read more…

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Resolved Question: I need a closing paragraph….. HELP PLZ ::::)?
I cant think of how to even start it… Here’s my essay

New England is a region of the country located in the Northeastern Corner. The colonies of New England consist of the modern states of New Hampshire, Massachusetts, Rhode Island, and Connecticut. English Pilgrims from Europe first settled in New England in 1620, in the colony of Plymouth. In the late 18th century, the New England colonies would be among the first North American British colonies to have independence from the British Crown. However, later they would oppose the War of 1812 between Britain and the United States.
The colony of Rhode Island was founded in 1636 by Roger Williams. Roger Williams led many Aristocrats to religious freedom. Rhode Island has many religions including Quaker, Puritan, Baptist, Anglicans, Jewish, Catholic, and Congregationalists. New Hampshire was first founded in 1623 by Pilgrims from England and was one of the first original 13 colonies. Pilgrims came to New Hampshire for religious freedom and starting their lives over. One of the ships which brought the pilgrims to New Hampshire was called The Jonathan. The Jonathan’s passengers were 10 white male pilgrims. Three years later more pilgrims came to New Hampshire and began to settle there.
When the Revolutionary War began in 1775, New Hampshire was the first colony to declare independence from England. New Hampshire is governed under a constitution that started in 1784. This constitution is older than every other state except Massachusetts. An earlier constitution for New Hampshire begun in 1776. New Hampshire cast the deciding vote on June 21, 1788 which put the Constitution into effect.
The geography is a mix of different things. They have a lot of mountains like Mount Washington. There are over 1,300 lakes and rivers. There is only one seaport in the colony, called Portsmouth. There are six religions including Roman Catholic, Methodists, Baptists, Episcopalians, Presbyterians, and Puritans. The climate temperature through the year is from the average 70 degrees to 6 degrees. The average temperature in July is 70 degrees. The average temperature in January is 6 degrees. The jobs of New Hampshire pilgrims were fishing, lumber, ship building, and farming. Public education in New Hampshire was established by law in 1647 when New Hampshire was a part of Massachusetts.
Connecticut was founded by Thomas Hooker, so that he could practice his Puritan religion. For that same reason many colonists came to live in Connecticut. People in the colony included Native Americans and colonists. The economy included trade and growing crops. The climate in Connecticut is colder than England’s. Its summers are mild. Their government is based on the consent of the people. The colony of Connecticut was one of the first colonies to have a constitution.
Massachusetts was a spectacular colony. Captain John Smith founded Massachusetts for religious freedom. Massachusetts has rocky coasts, ports, cliffs, and is very sandy. Summers are warm and winters are mild. There is a population of more than 200,000 people. The people there were mostly puritans, Indians, and farmers. There were no trained doctors. The work was strictly divided between men and women. Their jobs were mostly farming and trade.
European history in Massachusetts begins with adventurous explorers, who explored the coast of Massachusetts centuries before the Mayflower made its voyage. There is a legend that Leif Ericson and his Norsemen touched here in the year 1000 to cast their nets for cod. In 1497 and 1498 John Cabot carried through the explorations upon which England based its original claim to North America. Other occasional stops were made by voyagers seeking a new route to the East. In 1602 Bartholomew Gosnold explored the bay and christened Cape Cod for the fish. Twelve years later John Smith wrote New England journeying. In1634, William Wood contributed his “New England Prospect” to the growing travel literature of the New World. There was talk in Europe of the wealth that was here and the trade that might be established. But the first important movement toward settlement started in religious aspirations.

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Resolved Question: What is a good way to drive Traffic to my website.?
What is the best way to drive traffic to my website, I am a small business owner I have a lot located in Smith Mountain Lake that I run. and I am launching a website for my business soon, I want to be able to sell from my website so that I can ship items across the U.S. if they customer is not local and can’t come down to the shop.. I sell things such as jet ski’s, atv’s, boat’s, golf carts, and boating supplies I.E. lifejackets, anchors, oil’s , boat polish etc.

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Resolved Question: Advice please? My family is insane. ?
Please, if you have a moment, suspend your belief for a moment. You will most likely LAUGH after reading it, because it sounds like B.S.
Maybe Doctor Phil can help me. This is MY life, and it’s real, and I don’t like it. I find it retarded and I’m starting over now, drama free.

I’m alone right now, and feel like I’m going nuts. My life has been so crazy, and it’s hard to find the strength to figure anything out.

My family are insane. Except for my dad, who is such a sweet guy. He looks like Santa Claus and acts like it too. And he was building my mother a mansion (I mean this. By a lake and a mountain in beautiful British Columbia) My dad has NEVER shown any signs of craziness. He’s been depressed a lot though because of the following.
My Mom is a reclusive xenophobe. She’s abusive and toxic. She hates my father because he’s taking too long to build this mansion for her. He’s doing it by hand. Did I mention he also built a horse stable and changed the terrain of the land for a horse field, as well as built a blacksmith’s forge? He’s almost done this giant house too. My mom wants a divorce now though…she broke her hand on his face. That’s how she said “it’s over”.
My brother is a neo-nazi. He has Nazi memorabilia all over his room, and loves guns. He joined the Canadian army so he could “kill afghani babies” as he so lovingly puts it. I wasn’t supportive of him because of this. I told him I loved him a lot though, he wanted to originally become a black smith which I thought was cool, so I encouraged him to do that, because killing people isn’t nice. He now despises me because I didn’t encourage him to go in the army. At the time he was also obese, and I love to work out so my mom told me it was up to me to whip my brother into shape for the army. This was extremely difficult.
My sister……well she had a very bad child hood. But that doesn’t excuse the fact that she never taught her children to talk untill they had to go to elementary school. She also sometimes says alarming things like “I hate it when they’re standing near the edge of something….sometimes I feel like I could just push them off…it would be so easy…” and she kills animals. She has a passion for killing animals. She buys pets and when she tires of them she either: drowns them, flattens their head with a mallet, shoots them, or cuts off their heads. That’s what I know of.
My half brother is probably autistic or a sociopath, but I don’t know because I haven’t seen him since he went to jail when I was very young. He does terrible terrible things and is the reason my sister had a very bad child hood.

THEN…there is me. I’m the baby of the family. I escaped ALL THAT 2 years ago, but found myself in an abusive relationship, which I have just broken free of recently. The only thing I’ve ever done wrong is this: My best friend got killed in Iraq in 2005 and I was very depressed about this, and I was distressing about my family life, and feeling afraid of people. It got so bad I dropped out’ve high school and felt utterly hopeless for a long time. Then I met a man who offered me a chance to get away. Like a stupid girl I took that chance, and my family totally disowned me for it (not my dad though, he secretly kept contact with me). My mom sent me extravagent gifts at Christmas and my birthday, but when I tried to call her, she wouldn’t talk to me.

Despite all the craziness, I’ve reached out to my family, because I love them still, as does my dad. So I’ve emailed my mom little notes about hope and such, because of her break up. She emailed me something really crazy back, so I called. I said “or you ok? I love you so much” and then she got all nutso on me and told me to eff off, and my brother got on the phone and screamed bloody murder at me that I never came to see him when he was in the army, and that his little sister was now dead and hung up on me. They said I was a sociopath, that my dad was a sociopath, and I had no emotions. So I screamed back “yell all you like, all I can say passionately is that you’re my brother and I love you” and the more he screamed at me the more I just screamed I love you. It seemed kinda funny.

I feel crippled, I feel like I don’t know how the hell I can POSSIBLY over come all the insanity in my life. My dad says that I’m the only sane person in the family.

OK, if you were me, and you knew deep down that you were a good person and sane, what the hell would you do to deal with intense drama like this??? I’m at my wits end. I can’t even get in to see a therapist any time soon, because I don’t have a family doctor and need to be referred. What would YOU do if your family was THIS NUTS?
Thank you so much everyone!! I’m tracking down a psychologist and I’m going to get some therapy, because this is too messed up. I’m so relieved I could vent and have people support me, thank you!

to the person that says my sister is Britney Spears lol I forgot to mention that like a week before Britney had that head shaving incident, guess what my sister did? SHAVED HER HEAD BALD. My sister is even a bubbly blond girl. At the time I thought it was an eerie coincidence, I guess BritBrit copied my sis

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 People I don’t want to play MLK in Dreamworks’ proposed big screen biopic….GO. (http://www.cbc.ca/arts/film/story/2009/05/19/civil-rights-biopic.html)
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 Fishing Report: Lots of weekend activities planned – San Luis Obispo Tribune
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Are you moving your house? The relocation tips below can be very helpful.

This is a list of important things to move with you.

Identifying A Relocation Provider To Hire:

Picking your moving company is the first step in any move. Call various good agents, ask them to survey your home and give an estimate to you. Make sure that packing charges are listed if that’s something you are interested in. If your company is covering the costs of your move, let your agents know to see what they can do.

Make sure you compare costs and services between several movers before deciding on one. After understanding each section of the service order, sign in the same.

Taxes Implication About Moving:

Make sure you keep any documents concerning the relocation with you for filling your taxes with these moving documents as evidence of your move. When you file your federal income tax returns, you will need them. You can also get receipts that show how much your old clothing is worth, so you can donate it to charity. You will need them to apply for tax deductions.

Relocating With Minor Dependents:

If you have children, arrange for a farewell party for your children and their friends. Make sure that you pack your kids’ toys in the same boxes so that your children can find them once you’ve moved into your new home.

Extra Tips:

Inform your new address to the post office. Inform you friends, family, banks, and utility service companies about your new place. Reservations should be make in advance for you and your family with a hotel and an airline so you can have a smooth transition from the old to the new residence.

Take a last look around: Before you take your van or car for moving take a last look around to see if water and air conditioners are shut off, lights turned off, windows locked, and if you have left anything behind.

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