Affirmative Defenses to Foreclosure Lawsuits in Florida

Below the Florida Rules of Municipal Procedure, a plaintiff trying to get a judgment of foreclosure is required to attach a copy in the Note to its complaint. A Florida home owner who is served using a foreclosure complaint without a a copy with the Note should assert this being a defense. This may stop the foreclosure action until the lender can supply a copy in the note. In home foreclosure actions, any delay in the proceedings can be beneficial given it gives the homeowner a further opportunity to find alternatives to foreclosure, including a quick sale or loan change.

In virtually all circumstances, it is necessary for a homeowner to file an alternative when served with some sort of foreclosure summons and complaint. Failing to answer a foreclosure complaint may trigger the forfeiture of the legal defenses that are described above.
As an FHA approved the property market appraiser, I am particularly considering serving retirees and the elderly. As a Central Florida native that’s now into my 60s myself, I understand what both baby boomers and retirees have in mind by way of real-estate. What concerns me however are most of the terms lenders are providing the unsuspecting elderly on reverse mortgages, wherein they basically signal away their homes to live on in their other years.

Don’t get me wrong, a reverse mortgage can be a useful means by which to finance your last years, but take the precautions to learn the contract thoroughly and get your home assessed accurately lest you deplete the maximum amount of money you could easily get from that reverse house loan.

Retirement towns throughout Central Florida like: The Villages, The Plantation in Leesburg, Kings Form in Clermont, Royal Highlands in Leesburg, Highland Lakes, and Legacy of Leesburg are becoming increasingly predominant throughout the market.

One thing these communities are doing heavily is reverse mortgage loans and refinancing. The department of Homes and Urban Development (HUD) has some extremely helpful information about reverse mortgage loans, which retirees and seniors would do well to take into account. Get an honest together with fair market value appraisal of your home before you allow a lender to position a reverse mortgage into it and deplete your life savings.

As per HUD, reverse mortgages increasingly becoming popular in America. Reverse mortgages really are a special type of home loan that lets a home owner convert the equity with his/her home into bucks. They can give older Americans greater financial protection to supplement social security, meet unexpected medical expenses, make home improvements, plus more.

If you are interested in a reverse mortgage, beware of scam artists that charge thousands of dollars for information freely due to HUD.

Reverse mortgages increasingly becoming popular in America. HUD’s Federal Housing Supervision (FHA) created one of many first. The Home Equity Conversion Mortgage (HECM) is usually FHA’s reverse mortgage program which allows you to withdraw some of the equity in your home. The HECM is a safe plan that will give older Americans greater financial security. Many seniors do it to supplement social protection, meet unexpected medical expenses, make home improvements plus more.

1. What exactly reverse mortgage?

A reverse mortgage can be a special type of home loan that lets you convert a portion of the equity on your property into cash. florida mortgage rates

Nuvoh2o Water Softener Review

Have you been thinking about purchasing a NuvoH2O Salt-Free Water Softener? If you are looking for an alternative to the traditional water softener, the NuvoH2O may be an excellent option for you to explore. Before you make the decision to purchase this salt-free water conditioner, however, you might want to read through this NuvoH2O water softener review in order to learn more about what it has to offer.

Soften Water with NuvoH2O Technology

While it may seem unusual to soften water without salt, the reality is that salt water conditioners are outdated and unnecessary. With the NuvoH2O, you can say goodbye to salt forever. This is because the NuvoH2O uses a technology known as chelation. Through this process, the minerals in your water are made soluble, which makes it impossible for them to create hard water problems. The NuvoH2O uses a special, FDA-approved formula known as Citryne to accomplish this goal. Citryne is a citrus-based formula that utilizes the chelation process. Not only does Citryne soften water, but it also helps eliminate scale that has built up in your shower, on your dishes and in your appliances.

The Cost of Using the NuvoH2O

One benefit to using the NuvoH2O water softener is that you do not need to add new water to the brine tank every month. You do, however, need to purchase a special cartridge to use with the water softener. Depending on the size of the water softener and cartridge you purchase, the cartridge will last anywhere from 3 to 6 months before needing to be replaced. Depending on the size of the cartridge, a replacement can cost anywhere from $49.99 to $89.99. As such, you may or may not save money when you purchase a NuvoH2O water softener. Obviously, if you are buying $4 bags of salt and it is lasting you an entire month, the NuvoH2O will cost more to use. Of course, water softener salt can cost as much as $40 per bag. So, if you are paying on the higher end of the spectrum, you will certainly save money with the NuvoH2O.

Installing the NuvoH2O

While there are many dealers throughout the U.S. and Canada who are qualified to install the NuvoH2O, you can install the system yourself. The amount of time and money it takes to install the NuvoH2O will depend largely on how your pipes are configured in your home. Since the NuvoH2O does not require electricity and has no drain requirements, it is far easier to install than a traditional water softener. Furthermore, the compact size makes it easy to install in small utility rooms, condos and even outside in warm climate zones. Still, it could cost anywhere from $150 to several hundred dollars to purchase the materials necessary to install the NuvoH2O.

The Importance Of Glycerol During The Proper Growth Of Skin Cells

Personal care products like creams, lotions and soaps contain glycerol, a compound known to be a humectant. It attracts moisture and keeps skin feeling smooth and supple. It prevents dryness, too. This is why lots of products for the skin contain the compound. It is one of the safest and most useful chemical on earth, and is actually a by-product during soap making but commercial soap makers remove the substance in the soap mixture and use it in other products such as moisturizing creams and lotions. Medical College of Georgia has researchers saying that as much as glycerol offers skin benefits, the chemical may have therapeutic effects too.

Glycerol or glycerin is a sugar alcohol. It is a trihydric alcohol with three hydroxyl groups attached to each carbon atom. This molecular feature may better be left for chemists. The chemical has an important property which is hygroscopicity. This hygroscopic nature of the compound means that it attracts moisture or draws in water from the surroundings. This characteristic has become known in many industries particularly the cosmetics and skin care product industries.

There have been debates as to the effectiveness of the substance as a moisturizing agent. If it is indeed water-absorbing, it may pull in moisture from the air and even from the skin tissue itself. However, this hypothesis has never been validated.

There is a young hypothesis, on the other hand, that is under careful study and it has something to do with the role of glycerol in skin maturation process. It has been known in anatomy classes that the stages of skin growth start in the lower layers. Young skin cells move up pushing the old cells up where they die forming a protective outer layer. However, this process is not as simple as it looks.

Glycerol has something to do with the maturation of skin cells. This was what researchers found out recently. As you have known in your biology classes, each cell is enclosed by a lipid bilayer. This double phospholipid membrane serves as the protective covering of cells. The skin cells have additional layer for additional protection and this makes the skin a tough barrier.

An enzyme called phospholipase D has something to do with the process and it has been found out that glycerol combines with this enzyme to direct skin cell maturation. The combination produces phosphatidylglycerol, which is a lipid that activates enzymes necessary for cell differentiation.

It appeared that lack of this trihydric alcohol in the skin causes some problems such as thickening due to failure of the skin tissue to mature properly. A study subjected mice whose genes were modified such that they produce less glycerol. Another version of the study had mice whose lacked fats. Remember, the compound under investigation comes from fats. All these mice showed little glycerin, thus skin maturation was impaired. The result was mice with dry and thick skin.

The subjects of the study, which happened to be mice, were given glycerin orally. The skin conditions showed improvement. Mice given with other agents did not show improvements. This made researchers conclude that the water-loving compound has something to do with the development of the skin tissue.

The activation mechanism in skin cells is important, without which various skin conditions can occur. Skin disorders like psoriasis and skin cancer occur as a result of trouble in the maturation of the skin cells. In these cases, skin maturation is disrupted by continuous cell growth and this leads to abnormality.

Although this research is not basically aimed at possible treatment programs, it aims to understand the processes involved in the development of skin tissue. It is now known that glycerol has something to do with the maturation of skin tissue. What remains unknown is the exact participation of phosphatidylglycerol and what enzymes it activates. Another thing is how it activates those enzymes. This further research could be a breakthrough in dermatological study. It could open doors to more advanced treatment procedures for various skin diseases.

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Web business is a paradox. On one hand, it’s ridiculously to start a business and it’s also extremely cost effective. On the other hand, reaching success can be brutal if you don’t understand how traffic works. Search engine optimization is the key to making your web site accessible to your potential customers. Continue reading to find some amazing SEO tips and techniques which you can’t find anywhere else./p>

Spiders cannot read session ids and dynamic language very well, so remember that when making URL names. Meaningful URLs and relevant keywords make it easier for the search engines to read your pages. This means your website has a better chance at higher visibility.

A product feed is an effective way to grow your client roster and attract a larger number of visitors to your website. Such feeds provide detailed information about your offerings, such as pictures, descriptions and prices. Submit them to major search engines and shopping comparison sites. Add an RSS feed icon on your site or blog, and suggest to readers that they should subscribe to your site’s feed for all of the latest updates.

Creating a site map can really have a positive impact on your business, as search engines are able to index your pages more easily. A site map, or navigation bar, will let the search engines know about a given page from every other page on your site. Even if your website is just a hole in the wall compared to giants like Amazon, a site map does wonders for your search engine optimization.

To increase your search engine ranking, include written transcripts of any audio and video content on your site. When you make the effort to include the transcripts, the search engine crawlers will be able to read and rank your page.

Before beginning a website, research information about your keywords. Wisely choose which keywords to use on your website and in your titles. This allows you to know what potential visitors are looking up in your category. To boost your search engine rankings, make sure these key items are highlighted throughout your site.

Web sites most likely to have the most traffic are those that show up in the first few pages of search engine results. Use the tips you just read to help attract visitors to your website or your blog. Optimizing your site or blog can do a lot for your business.

Mobile marketing. is one of the newest types of marketing, yet it actually incorporates elements of some of the oldest and well proven methods. Many of the same rules that apply to other kinds of marketing will apply to mobile marketing too. However, there are some noteworthy differences.

The Pros And Cons Of Masonry

A home or for that matter any building which has a distorted shape is not very appealing to the eyes. While visiting a home the first impression that a person gets is of the design and structure of the house along with the hospitality. So building that place called “home” perfectly to provide us comfort and happiness is a consideration we all should take seriously. For this your home needs to have properly constructed framework, designs, furnishing and masonry.
This article will deal with masonry and its pros and cons.
Masonry comes in varied designs and materials, from glass and marble to tiles, stones and bricks. The quality of the masonry determines how the structure will form. It also depends on the workmanship of the contractors hired. Masonry needs to be extremely durable. The types of masonry that have been mentioned above will beautify your home immensely. If you can do up the outdoors of your home with stone masonry, your home will surely look nothing less than an ancient castle. Sounds good? That’s exactly the effect that these masonries have. Glass or marble masonry will on the other hand give a modern look.

Like many other things even masonry has its own advantages and disadvantages. Let’s first go through its advantages –
Materials like stone and brick increase the thermal mass of a building, thereby giving comfort in the scorching heat of the summer and chilling cold of the winter.
Natural materials like bricks, stones and tiles will not require any kind of exterior painting. They might require polishing. This brings down certain amount of costs. The maintenance and life cycle cost becomes less.
If masonry is well crafted and constructed with a good finishing then it gives you the assurance of a permanent look.
Being heat-resistant, masonry helps to protect from fire.
Masonry also helps protect you from catastrophes like tornadoes and hurricanes.

However, it has its disadvantages as well –
If the foundation is not strong then it’s difficult to build masonry, because they are extremely heavy in nature.
Extreme weather conditions can prove to be bad for masonry. There can be degradation of the materials like bricks and stones.
Provided you can find a good landscaping contractor, the two disadvantages talked about, will really not matter because it all depends on the quality of work done. If you are looking for a landscaper who can build durable and elegant masonry, Rhode Island home owners your search ends with Yard Works.

The Benefits Of A Reverse Mortgage In Bc

People in British Columbia who are sixty years old or older have a few different financing options when it come to receiving a mortgage, such as obtaining a Reverse Mortgage in BC. This type of mortgage is just for seniors who are sixty years old or older who either own a condo or a home. This type of mortgage is different from normal mortgages because it doesn’t involve a regular payment schedule. Instead, it allows people to make monthly payments on the interest and it also allows seniors to simply pay the mortgage back when the home is sold. There are many benefits to a reverse mortgage and this article will focus on three of them.

There is only one lender in Canada that offers Reverse Mortgage in BC, which is CIP Home Income Plan. CHIP has been providing reverse mortgages for over twenty years, which means that they know what they are doing and are very trustworthy. That being said, people shouldn’t worry about doing business with this lender because they are very trustworthy and have been providing these mortgages for people for a very long time. It’s important to trust lenders and CHIP is definitely a lender that can be trusted.

A second benefit to a Reverse Mortgage in BC is that this type of mortgage allows people to still own and control the home at all times. People who obtain this type of mortgage do not give ownership of the home to CHIP. Instead, the ownership of the home will stay with the owners which means that the owners and only the owners own and control the home. It is the exact same thing as traditional mortgages, so ownership of the home is nothing to worry about.

Arguably one of the most important benefits of a Reverse Mortgage in BC is that there is no risk of losing the home. Traditional mortgages do not offer this type of security as people can lose their home if payments are not being made. There is no chance of a default and the loan is guaranteed at all times with CHIP, which is a very important thing for anyone sixty years old or older to remember when considering if a reverse mortgage is a good idea. Hopefully this article has been beneficial to those in British Columbia who are sixty years old or older and are wondering about their home financing options.

Buying A Condominium Unit In Makati

As someone who lives down south of Metro Manila (think 1.5 hours stuck in the van or car when traffic is bad, and 3 hours when it”s just horrible), I”ve often found myself thinking of renting out a condominium unit in Makati, since the biggest and probably busiest business district in Manila today is Makati (although Bonifacio Global City is giving Makati a run for its money).

Often, to get to a decision I would write down the pros and cons of making such a move, so before I do jump the bandwagon and live out on my own, let”s list down the WHYs and WHY Nots of such decision shall we?

Why Not?
Because living alone in a big city is scary. And you”ve never tried living alone
Counter: but this will teach me independence which in the long run will build character.

Why Not?
May be expensive “” especially with the rental rate of most condominium units in Makati

Counter: renting out is not an option really, it”s better to buy or rent to own “” and there are a lot of condominium units and/or real estate properties in Makati allowing such terms.

Why Not?
Because you”d be living alone and security cannot always be relied upon
Counter: but Ayala Land, one of the biggest developers in the Philippines, promises and follows through on its promise of safe & secure living in its abodes. Should you ever doubt that? Hmm, don”t think so.

Now, for the WHYs…

Because living in Makati will make it easier for you to go to work, especially if you work in Makati. In fact, even if you do work somewhere up north, you”ll always be opposite the traffic rush during the morning. Most people go to Makati “” while you, if you work in Ortigas, will have an easier time since you”ll be going out of the city.

Also, remember, it takes you a while to get up in the morning, and since you”re not a morning person, living in Makati will give you more time to spend on yourself. Maybe now you can eat breakfast. Maybe now you won”t always be late for work!

Because investing NOW is better than later. You won”t be asking or scolding yourself why you didn”t invest now. What to invest in? How about a condominium unit? If you don”t want to live anymore in Makati you can always sell it or rent it out.

Proximity to most cities in the Metro. You are just a 15-30 minutes away from other business districts. And night spots. And malls. And what girl doesn”t love to go to the mall (whether it”s for buying or just window shopping). The metropolis is your oyster and it”s just a few steps away from your condominium!

I know there are various reasons to buy and not to buy a condominium unit in Makati. In fact, I can think of a few more but the ones above are the most salient points.

Austin Multiplexes For Sale Great Investment Opportunities

With the current economic problems, housing prices have really taken a hit. Its not expected to change in the next few months, but most economists expect great changes in housing values in the next couple of years. If you are selling a home today, you probably are going to have a difficult time getting the amount you want. Banks have made it difficult for many people to obtain financing, but for those that do, its certainly a buyers market. If you are considering investing in real estate today, its a wise choice in most metropolitan areas.

Austin, Texas is definitely one of the most diverse metropolitan areas in the South. Youll find all types of property for sale here, including modern homes, multiplexes, luxury homes, and even some fantastic lakefront homes. For those looking for Austin multiplexes for sale, one of the best places to begin is by the University of Texas. There are dozens of multiplexes here, from duplexes to large apartment buildings. Many parents will purchase one of these properties so that their children can live in it while going to school. They will have a great investment property out of the transaction, as well. These properties never have a lack of renters and while the turnover can be high at the semesters end, there is always someone else ready to move in.

You will find that many of the Austin modern homes for sale are located in master planned communities. Many are gated, ensuring a higher level of security for the residents. Some of these communities are located right on Lake Austin and are some of the most sought after in Austin. Several of these communities are fairly new, ensuring that the architecture, amenities, and surroundings are very modern. Youll love the natural beauty of many of these communities, as well as the parks, biking and hiking trails, and swimming pools. Elegant and elaborate clubhouses become focal points for neighborhood gatherings. The best that Austin has to offer can be found here.

Youll need to get in touch with a great realtor. Not only will they be able to direct you to some of the best neighborhoods for what you are looking for, they can also show you available properties, negotiate with sellers, and finalize the sale. You can search through local newspapers, drive endlessly throughout the city, or spend hours on the internet looking at listings or you can meet with a realtor and have several possibilities within minutes.

When you are looking for some of the best Austin modern homes for sale, youll be quite pleased. There are many to choose from, but youll want to act quickly when you find one that you love. If not, its likely that the property you want will already be sold. People are buying up Austin multiplexes for sale quickly, as its never been a better time to make such an investment.

Commercial property or residential property, which one is a better bet

While investing in real estate it is important that your investment fetches you a monthly cash flow. Even if you are hoping to get a decent profit due to capital appreciation, it is very important that your investment provides a monthly return. If it is not so, then chances are that you will find that all you profit will be nullified by the monthly drain on your income. This will be all the more true in case there is a decline in the growth of real assets for a few years.

All those who ever had tenants would swear that it is much better to have commercial tenants than residential tenants. With residential tenant you have a tough time with them, do not be surprised if you are woken up at the dead of the night because your tenant has some complain to make.

The reason why most people invest in residential real estate is because they have never invested in commercial real estate and they fear landing themselves in unfamiliar territory. But the fact is that commercial property must indeed be one that works well, after all it did work for Donald Trump and it can work for you also. Given below is a list of reasons as to why we think you should invest in commercial real estate rather than residential real estate.

The return on investing in commercial real estate is far higher than that of residential real estate.

You must be thinking as to why should you invest in the real estate market at all? Well, the facts state that unlike the unpredictable stock market, the real estate market has shown a steady growth over the years with only a few minor hiccups. The best part is that you do not need any prior training or qualification to enter in to the field of commercial real estate. It involves very little risk and you can end up making a lot of money out of it.

Investing in the commercial real estate, although beneficial is altogether different from investing in the residential real estate. First of all you need to know about the basics of mortgage. The focus of the commercial real estate creditors is the property itself. They are interested in its condition and its earning capacity. Here the credit scores do not matter as much as that they matter in residential property deals.

You can earn much more in the case of commercial real estate business as in addition to the fixed rent, you also charge a percentage of profit from the tenants. If you have the property in central location, you can charge a higher amount of rent, as location is of vital importance in these cases. Commercial real estates also appreciate much faster than the residential ones.

William King is the director of Dubai Property & UAE Property & Dubai Real Estate Portal, Pakistan Property & Real Estate Properties Portal , Wholesale Manufacturers & Dropshipping Suppliers Trade Directory and Wholesale Dropshipping & Wholesalers Suppliers Trade Directory . He has 18 years of experience in the marketing and trading industries and has been helping retailers and startups with their product sourcing, promotion, marketing and supply chain requirements.

Mortgage Scams Lead to Debt And Harassment

The Federal Trade Commission has stepped up its investigations and prosecutions of mortgage relief scam artists. Since the start of 2013, the FTC has obtained settlements from over 20 individuals and companies involved with scamming distressed homeowners. In the most recent cases, two individuals and seven companies settled FTC charges that they victimized more than a thousand people through “mass joinder lawsuits” and “forensic loan audits.” They violated the Mortgage Assistance Relief Services (MARS) Rule, which was set up to curb deceptive and unfair practices related to such services.

The FTC contends that Sameer Lakhany, Brian Pacios, Precision Law Center, Inc., Precision Law Center LLC, National Legal Network, Inc., and Assurity Law Group, Inc. targeted consumers with a mass joinder scam. They promised homeowners that they could stop their foreclosures or obtain some other mortgage relief if they joined together to sue the lenders. The defendants represented themselves as a law firm called Precision Law Center, charging between $6,000 and $10,000 in up-front fees. But every suit was dismissed soon after it was filed; the victims saw none of the promised relief.

One of the scam artists, Lakhany, was also involved in a “forensic loan audit” scam, along with The Credit Shop, LLC, Titanium Realty, Inc., and Fidelity Legal Services LLC. These defendants called themselves nonprofit organizations, with domain names like “,” “,” and “;” but really they sold people an auditing service, which supposedly found lender violations in mortgage documents. The defendants charged $800 to nearly $1,600 for this service, which never led to a single favorable loan modification for the victims.

The FTC settlements require the defendants to surrender many assets and pay $4.75 million in restitution. All except Assurity Law Group, Inc. are banned from mortgage relief and debt relief services; Assurity is required to surrender $100,000 in funds and has been ordered to cease any deceptive practices. In February, the FTC settled with another predatory group, composed of Ryan Zimmerman, Consumer Advocates Group Experts, LLC, Paramount Asset Management Corporation, and Advocates for Consumer Affairs Expert, LLC. These entities also used the forensic loan audit scam, and charged people almost $2,000 or more for the audits-they failed to make good on their false claims. Besides receiving a $3.5 million judgment against them, the defendants are banned from marketing relief services or products, and from making any misleading claims about any other type of product or service.

In January 2013, eight other defendants settled with the FTC, for selling fake relief services to distressed Spanish-speaking homeowners over the phone. The defendants-David F. Preiner, Daniel Hungria, Freedom Companies Marketing, Inc., Freedom Companies Lending, Inc., Freedom Companies, Inc., Grupo Marketing Dominicana, Freedom Information Services, Inc., and Haiti Management, Inc-collected over $2 million from people over three years. They simply didn’t provide the services they said they could. Part of this settlement, in which the defendants received a $2.39 million judgment, bans them from marketing relief products or services, and from making misleading claims about anything they advertise.