For homeowners facing foreclosure, one viable option to stop the foreclosure is a short sale. A short sale is a negotiated remedy between a homeowner and his lender which enables the homeowner to sell the property for less than what he owes on it. The lender must approve the short sale. However, if the lender's approval is conditioned upon acceptance of additional terms by the homeowner, the homeowner has the right to walk away from the deal.
If you are considering a short sale, you need sound advice from a qualified Realtor, a real estate attorney, and an accountant or tax attorney. Most lenders require that your property be listed with a licensed real estate agent if you wish to short sell it. A Realtor will explain the short sale process to you and in most cases, will assist you in gathering and submitting all required documentation to your lender. A real estate attorney can explain the legal consequences of a short sale to you and an accountant or tax attorney can explain the tax consequences of short selling your property.
The short sale process can be very long and confusing. However, hiring the right Realtor can take some of the stress out of the situtation. Rather than hiring an inexperienced real estate agent or one who has never managed a short sale, specifically seek out the services of a Realtor who has obtained the Short Sales & Foreclosure Resource (SFR) designation. The SFR designation is awarded by the National Association of Realtor to Realtors who have completed mandatory training focused on short sales, foreclosures, and other distressed properties.
If you would like more information about short sales, visit http://georgiashortsalecentral.com/.
Sunday, February 13, 2011
Tuesday, June 30, 2009
Visionary Benefits Offers Discount Health and Lifestyle Benefits
NuLegacy International, LLC recently launched its sister company, Visionary Benefits. Visionary Benefits is proud to offer its members a line of discount health and lifestyle benefits. The goal of Visionary Benefits is to enhance the lives of its members by helping to make their health care costs more affordable.
The incredible health benefits offered by Visionary Benefits include dental, physician office visits, accident medical, accidental death and dismemberment, hosptial stays, ICU/CCU stays, vision, term life, and more. In additional to all this, Visionary Benefits also offers its members lifestyle benefits such as roadside assistance, legal assistance, identity theft protection, discounts on hotels, rental cars, amusement parks, golf, and much, much more.
Plans start as low as $15.95/mo. New members must pay a one-time registration fee of $30.00 when they purchase a plan.
To learn more or to purchase a plan, visit http://vbplans.com/rx4free.
Saturday, May 9, 2009
Why I Love NuLegacy: Top Five Reasons to Become a NuLegacy Rep
These days you here so much about network marketing and multilevel marketing. There are thousands of opportunities out there offering promises of wealth and financial freedom. But, I'm not going to bad mouth any of these opportunities, I'm just going to tell you why I love NuLegacy.
First, as a NuLegacy rep, you don't have to sell anything! That's right, NuLegacy actually pays its reps to give away a FREE prescription discount card that can be used to save up to 75% on prescriptions at over 56,000 pharmacies nationwide. Since Sept. 2007, we've helped our members save over $6.6 million on prescriptions. And the NuLegacy Rx Card can also be used to save 40-70% on lab tests and diagnostic imaging.
Next, NuLegacy provides it's reps with a system that is easily duplicatible. NuLegacy offers superior training in an effort to ensure the success of all its reps. If a new representative follows our system, he or she can be earning money within a week or so of coming into the business.
Third, becoming a NuLegacy representative is affordable. For as little as $39.00/month, you can become a rep and start earning money immediately. Think about it. You can start working the NuLegacy business for less than it costs to buy a can of soda each day. That's right! For about $1.30/day, you can begin building the future you dream of with NuLegacy!
The fourth thing I love about NuLegacy is the compensation plan. NuLegacy is, perhaps, the only company around that is willing to pay it's reps a six figure income for giving away a FREE product. I've watched my income grow steadily over the 18 months I've been in the business and can't wait to see what the future holds!
Finally, NuLegacy's free rx discount card is actually making a difference in people's lives. With the current state of the economy, many people are struggling to make ends meet and the NuLegacy Rx Card gives them a real solution to a real problem by making buying prescription medications more affordable!
First, as a NuLegacy rep, you don't have to sell anything! That's right, NuLegacy actually pays its reps to give away a FREE prescription discount card that can be used to save up to 75% on prescriptions at over 56,000 pharmacies nationwide. Since Sept. 2007, we've helped our members save over $6.6 million on prescriptions. And the NuLegacy Rx Card can also be used to save 40-70% on lab tests and diagnostic imaging.
Next, NuLegacy provides it's reps with a system that is easily duplicatible. NuLegacy offers superior training in an effort to ensure the success of all its reps. If a new representative follows our system, he or she can be earning money within a week or so of coming into the business.
Third, becoming a NuLegacy representative is affordable. For as little as $39.00/month, you can become a rep and start earning money immediately. Think about it. You can start working the NuLegacy business for less than it costs to buy a can of soda each day. That's right! For about $1.30/day, you can begin building the future you dream of with NuLegacy!
The fourth thing I love about NuLegacy is the compensation plan. NuLegacy is, perhaps, the only company around that is willing to pay it's reps a six figure income for giving away a FREE product. I've watched my income grow steadily over the 18 months I've been in the business and can't wait to see what the future holds!
Finally, NuLegacy's free rx discount card is actually making a difference in people's lives. With the current state of the economy, many people are struggling to make ends meet and the NuLegacy Rx Card gives them a real solution to a real problem by making buying prescription medications more affordable!
Thursday, April 23, 2009
Need to Earn Extra Money, But Too Broke to Get Started?
In working to build my NuLegacy business I've encountered so many people whose reason for not getting started is a lack of money. I'm very sympathetic and empathetic to people's financial woes. But I always wonder how it is that someone cannot afford a business that costs $39.00 per month. When you get right down to it, most of us waste at least that much money each week.
The NuLegacy business opportunity has got to be one of the most affordable home based business opportunities out there. Think about it. It's only $39.00 per month; that's about $1.30 per day. That's less than it costs to buy a soda. My NuLegacy sponsor asked one of her prospects whose primary objection was the cost if he thought he could save $1.30 per day for a month. And of course his response was that he could. He's signing up to become a NuLegacy rep this week!
The thing is that most of us want so desparately to change our lives, but we resist doing what it takes to make that change. What I know is this -- at some point you've got to step out on faith! You've got to invest in yourself if you want to change your life. After all, you are truly work the risk! And the reward is absolutely amazing!
Now I know it takes money to make money. That's just a simple fact. But what makes NuLegacy so special is that you can actually be making money the day you sign up to become a representative and you never have to sell anything! So, save $1.30 per day for thirty days and when you have $39.00, join NuLegacy. You won't regret it.
The NuLegacy business opportunity has got to be one of the most affordable home based business opportunities out there. Think about it. It's only $39.00 per month; that's about $1.30 per day. That's less than it costs to buy a soda. My NuLegacy sponsor asked one of her prospects whose primary objection was the cost if he thought he could save $1.30 per day for a month. And of course his response was that he could. He's signing up to become a NuLegacy rep this week!
The thing is that most of us want so desparately to change our lives, but we resist doing what it takes to make that change. What I know is this -- at some point you've got to step out on faith! You've got to invest in yourself if you want to change your life. After all, you are truly work the risk! And the reward is absolutely amazing!
Now I know it takes money to make money. That's just a simple fact. But what makes NuLegacy so special is that you can actually be making money the day you sign up to become a representative and you never have to sell anything! So, save $1.30 per day for thirty days and when you have $39.00, join NuLegacy. You won't regret it.
Thursday, April 9, 2009
Breaking the Negativity Habit
A few days ago, I had a conversation with a friend of mine during which I made a negative comment about my home based business and how my recruiting has been going this month. Before the comment was even fully out of my mouth, she stopped me and told me to take back what it was I'd said. As a student of the law of attraction, that conversation led me to wonder exactly how one goes about breaking the negativity habit.
I believe that the choice that's not good for us, like smoking, overeating, not exercising, or being negative, is usually the easy choice because it really doesn't require us to do anything other than what we've become accustomed to doing. Doing the right thing, though, is often very difficult because it usually requires us to get out of our comfort zone which can be a very trying and uncomfortable experience. But if doing the right thing, in this case, breaking the negativity habit, could result in some really great changes in your life, wouldn't it be worth it?
According to The Secret, if you don't have what you want, it's because you are focused more on what you don't want than on what you do want. It seems simplistic, but the law of attraction says that if you focus on whatever it is you want, whether it's money, a relationship, good health, etc., rather than on what you don't want or what you don't have, those things that you want will manifest themselves in your life.
But the question is, how do you make that change? If you are a habitually negative person, how do you train yourself to become a positive person? If your current situation is so dire, that you can hardly think of anything else, how do you change your focus? Well, you must be aware of your thoughts and your words. Both are extermely powerful. When you find yourself saying or thinking something negative, you must immediately replace those negative thoughts or words with positive thoughts or words. Martha Beck, in Just What You Need (O, The Oprah Magazine, April 2009), says that we must change our attitude from one of "just in case" to one of "just in time". Rather than focusing on what we don't have and hoarding possessions, controlling our relationships, and overeating out of a sense that we simply will never have enough, we should focus on the fact that everything we need will arrive just in time.
According to Beck, the thought "everything good is readily available" changes how the body stores fat and enables the body to actually shed excess fat. I think that focusing on this thought whenever we find ourselves being negative or worrying about whatever it is we lack can shift our attention to how much we actually have. That shift coupled with feelings of gratitude for how blessed we truly are, regardless of what we may be going through right now, opens the door for all good things to enter our lives.
I believe that the choice that's not good for us, like smoking, overeating, not exercising, or being negative, is usually the easy choice because it really doesn't require us to do anything other than what we've become accustomed to doing. Doing the right thing, though, is often very difficult because it usually requires us to get out of our comfort zone which can be a very trying and uncomfortable experience. But if doing the right thing, in this case, breaking the negativity habit, could result in some really great changes in your life, wouldn't it be worth it?
According to The Secret, if you don't have what you want, it's because you are focused more on what you don't want than on what you do want. It seems simplistic, but the law of attraction says that if you focus on whatever it is you want, whether it's money, a relationship, good health, etc., rather than on what you don't want or what you don't have, those things that you want will manifest themselves in your life.
But the question is, how do you make that change? If you are a habitually negative person, how do you train yourself to become a positive person? If your current situation is so dire, that you can hardly think of anything else, how do you change your focus? Well, you must be aware of your thoughts and your words. Both are extermely powerful. When you find yourself saying or thinking something negative, you must immediately replace those negative thoughts or words with positive thoughts or words. Martha Beck, in Just What You Need (O, The Oprah Magazine, April 2009), says that we must change our attitude from one of "just in case" to one of "just in time". Rather than focusing on what we don't have and hoarding possessions, controlling our relationships, and overeating out of a sense that we simply will never have enough, we should focus on the fact that everything we need will arrive just in time.
According to Beck, the thought "everything good is readily available" changes how the body stores fat and enables the body to actually shed excess fat. I think that focusing on this thought whenever we find ourselves being negative or worrying about whatever it is we lack can shift our attention to how much we actually have. That shift coupled with feelings of gratitude for how blessed we truly are, regardless of what we may be going through right now, opens the door for all good things to enter our lives.
Tuesday, April 7, 2009
Achieving Financial Freedom with the NuLegacy Business Opportunity
I became a NuLegacy representative in October, 2007. When I first joined the company, I was extermely excited because I knew we had a great product - our FREE prescription discount card. Imagine helping the millions of people in this country who don't have health insurance save on their prescriptions costs! Imagine giving away the Rx card rather than selling it! Imagine making money in the process! What a concept?
Over my first few months as a NuLegacy representative, I distributed cards like crazy and sponsored a few reps into the business. Then life got in the way and I stopped working the business as diligently as I had been. Well, network marketing is unlike traditional businesses in that you can still make money even if you are not actively working the business as long as you've planted seeds along the way. And that's exactly what happened to me. From February through March, 2008, I watched my NuLegacy income continue to grow even though I was doing very little to actually grow the business. But the seeds I had planted in those first few months continued to bear fruit.
So, in August, 2008, I decided to recommit to NuLegacy; I began distributing cards again and I began working on growing my team. To that end, I joined the Home Business Connection Co-op for NuLegacy and began receiving my first co-op leads in December, 2008. Since that time, I have sponsored 29 new representatives and have watched my NuLegacy income more than quadruple. How awesome is that?
In my opinion, NuLegacy is the best home-based business opportunity around for a few reasons. First, our product is FREE and because it's free, customer attrition is practically zero. Once our members experience the savings (up to 75% on prescriptions at over 56,000 pharmacies), they tell their friends and family about the NuLegacy Rx Card. So our customer base continues to grow month after month. Think about this: since September, 2007, we've helped our members save over $5.8 million on prescriptions. Amazing, right? So, my point is that our members aren't going anywhere, unlike a lot of other opportunities where customers have a tendency to disappear, especially during difficult economic times.
Another great thing about NuLegacy is that the start up cost is so low. For as little as $39.00 per month, you can get started in this business and be receiving checks on a weekly basis. That's right! You can start today and have your first check within less than two weeks and be getting a check each and every week thereafter.
Finally, NuLegacy has an amazing compensation plan comprised of six ways to earn, including commissions and bonuses which allow NuLegacy reps to leverage their income by getting paid on the efforts of their team members. NuLegacy is, prehaps, the only company willing to pay its representatives a Six Figure Income for simply giving away a product for FREE.
If you are looking for a way to make some extra income or maybe you've decided that in three to five years, you want to be financially free, NuLegacy is the opportunity for you. There's no smoke and mirrors here. What you see is what you get. When you become a part of the NuLegacy family, you'll receive the training you need to grow your business and earn the income you need to change your life. Whether that's an extra $200 per month, $5000 per month, or $10,000 per month. With NuLegacy it's possible. All you have to do is make the commitment and you'll be well on your way.
Monday, August 18, 2008
The Role of Integrity in Living the Dream
Webster's New World Compact Desk Dictionary (2nd Ed.) defines integrity as "honesty, sincerity". Most people, when asked, would say they are honest. But doesn't everyone tell little white lies? I know I have told a few in my day and I'm rather embarassed to admit, I've told a few whoppers, too.
We lie to avoid hurting the feelings of those we care about. We lie when telling the truth would cause us embarrasment or inconvenience. Governments lie to their citizens in order to carry out secret agendas, and, some might argue, to maintain control of those citizens. Employers lie to employees to protect the bottom line. Politicians lie to constituents to get votes. Ministers lie to their members to preserve membership. To put it simply, many times, lying is simply easier than telling the truth. So, the question becomes, where should we draw the line?
At the Olympics last week, U.S. tennis player, James Blake lost a critical match because of a bad call and the failure of his opponent to admit that the ball had touched his rachet. Several years ago, another tennis player, Justine Henin, refused to admit that she signaled her opponent she was not prepared to receive her serve just as the opponent was serving the ball. Bill Clinton lied about his affair with Monica Lewinski. Most recently, John Edwards lied about an extramarital affair. George Bush lied about the reasons for invading Iraq. Enron executives lied about stealing from their employees. The examples are endless.
So, how does a lack of integrity effect our ability to live our dreams? Years ago, I had a business acquaintance who engaged in what I considered to be questionable practices from an ethical standpoint. I was never quite sure what she was up to or whether she was actually breaking the law. I just had a feeling she was walking a very fine line. I worked very hard and strived to conduct myself with integrity in all my business dealings. But I struggled to build my business. All the while, this acquaintance seemed to be enjoying incredible success. Well, long story short, she pled guilty to federal mortgage fraud and other charges a few years ago and is now serving time in federal prison.
I can remember wondering how it could be that this former colleague could be so successful? A very wise person said that I had no idea what was going on behind the scenes and that all of her apparent success could be coming at a very high price. Well, that wise person was my mother and she was absolutely right. My former colleague paid the price with her freedom.
But what about those little white lies? Is it better to tell your best friend that her hair looks great rather than being truthful with her by saying it looks awful? Is it better to tell your boss you were late for the 3rd time this week because your child was sick rather than admitting you hate getting up at 6:00 a.m.? Is it better to walk away with $5.00 extra change than to tell the checkout girl in the grocery store she made a mistake and give her back the extra money?
When we fail to act with integrity, do we create bad karma for ourselves? Is it inevitable that the walls will come crashing down, eventually, and that we'll pay an extremely high price for acting without integrity?
What I have come to realize is, doing the right thing is usually much more difficult than doing the wrong thing. Whether it's losing weight, stopping smoking, or admitting that the ball touched your tennis racquet, acting with integrity, doing the right thing, is much more difficult, in the short run, than acting with a lack of integrity. But the long term benefit of knowing you did the right thing is priceless.
Martin Luther King, Jr. once said, "Cowardice asks: is it safe? Consensus asks: is it popular? Character asks: is it right?" In which category do you fall?
We lie to avoid hurting the feelings of those we care about. We lie when telling the truth would cause us embarrasment or inconvenience. Governments lie to their citizens in order to carry out secret agendas, and, some might argue, to maintain control of those citizens. Employers lie to employees to protect the bottom line. Politicians lie to constituents to get votes. Ministers lie to their members to preserve membership. To put it simply, many times, lying is simply easier than telling the truth. So, the question becomes, where should we draw the line?
At the Olympics last week, U.S. tennis player, James Blake lost a critical match because of a bad call and the failure of his opponent to admit that the ball had touched his rachet. Several years ago, another tennis player, Justine Henin, refused to admit that she signaled her opponent she was not prepared to receive her serve just as the opponent was serving the ball. Bill Clinton lied about his affair with Monica Lewinski. Most recently, John Edwards lied about an extramarital affair. George Bush lied about the reasons for invading Iraq. Enron executives lied about stealing from their employees. The examples are endless.
So, how does a lack of integrity effect our ability to live our dreams? Years ago, I had a business acquaintance who engaged in what I considered to be questionable practices from an ethical standpoint. I was never quite sure what she was up to or whether she was actually breaking the law. I just had a feeling she was walking a very fine line. I worked very hard and strived to conduct myself with integrity in all my business dealings. But I struggled to build my business. All the while, this acquaintance seemed to be enjoying incredible success. Well, long story short, she pled guilty to federal mortgage fraud and other charges a few years ago and is now serving time in federal prison.
I can remember wondering how it could be that this former colleague could be so successful? A very wise person said that I had no idea what was going on behind the scenes and that all of her apparent success could be coming at a very high price. Well, that wise person was my mother and she was absolutely right. My former colleague paid the price with her freedom.
But what about those little white lies? Is it better to tell your best friend that her hair looks great rather than being truthful with her by saying it looks awful? Is it better to tell your boss you were late for the 3rd time this week because your child was sick rather than admitting you hate getting up at 6:00 a.m.? Is it better to walk away with $5.00 extra change than to tell the checkout girl in the grocery store she made a mistake and give her back the extra money?
When we fail to act with integrity, do we create bad karma for ourselves? Is it inevitable that the walls will come crashing down, eventually, and that we'll pay an extremely high price for acting without integrity?
What I have come to realize is, doing the right thing is usually much more difficult than doing the wrong thing. Whether it's losing weight, stopping smoking, or admitting that the ball touched your tennis racquet, acting with integrity, doing the right thing, is much more difficult, in the short run, than acting with a lack of integrity. But the long term benefit of knowing you did the right thing is priceless.
Martin Luther King, Jr. once said, "Cowardice asks: is it safe? Consensus asks: is it popular? Character asks: is it right?" In which category do you fall?
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