Help to Avoid Mortgage Foreclosure

4 Sep 2010, Comments (0)

PowerGardZ will REDUCE you Power Bill Daily 24/7

Author: Richard Simpson

PeopleZ PowerGardZ FAQs -What is the PowerGardZ?

The PowerGardZ™ is a new, innovative device that filters the supply voltage while improving the efficiency and power factor of the electricity consumed in a home by electrical appliances. Its purpose is to save wasted electricity in homes, condominiums, apartments, shops and offices. The PowerGardZ™ does not consume electrical energy. You can use it 24 hours a day all year round without increasing electricity expenses. The amount of energy that can be saved depends on factors such as the type of electrical appliances used (i.e. air conditioning, garbage disposal unit, etc.), the amount of electricity used and even the location of the home. The PowerGardZ™ is the new generation device that has been professionally tested and checked for compliance with International Safety Standards and is UL listed and tested as well as CE certified for Europe and cULus for Canada.

How Does the PowerGardZ™ Unit Work? The PowerGardZ™ reduces the amount of power drawn from the utility by storing (in its capacitors) otherwise lost electricity (watts) caused by the inductive motors in your home. (Some examples of inductive motors are air conditioning units, refrigerators, freezers, washers, dryers, dishwashers, pool pumps, vacuum cleaners, furnace blower motors, fans, etc.) The PowerGardZ™ technology supplies that stored electricity back to the inductive loads of the house, causing the home to require less electricity from the utility. This causes a decrease in demand from the utility. When there is a decrease in the demand from the utility, the meter slows down, coinciding with less use of electricity. When you have already paid for that electricity, why waste it when you can store it and use it again? This whole process is called power factor optimization.

Why use PowerGardZ™ ? All electrical equipment and appliances become less efficient over time. As they age, they consume more power in order to deliver the same service, hence the higher electricity bills. Since there are many appliances in every household, each with different power and current requirements, this affects the voltage and current consumption. Unstable supply voltages increase in resistance due to wire size and poor power supply which may result in power loss. The PowerGardZ™ is designed to compensate for those inefficiencies.

Does the PowerGardZ™ work in any home? Yes, simply plug the PowerGardZ™ in any power outlet and start saving money.

Is the PowerGardZ™ tested and approved? Yes! The PowerGardZ™ is UL listed and tested as well as CE certified for Europe and cULus for Canada.

How much can I expect to save per month by using the PowerGardZ™ ? That depends on many factors; the size of your home, the amount of inductive motor load and the amount you are paying per kilowatt-hour for electricity. t’s not unusual for users of the product to see up to 10% and more in reduced consumption.

How long will it take for the PowerGardZ™ to pay for itself? Generally about 6-12 months although the same factors above apply. Some will see the payback in 6 months and some in a year or more.

Is the PowerGardZ™ easy to install? PowerGardZ™ does not require a professional installation. Simply plug it in and $ave

Can PowerGardZ™ be used in other countries with different voltage? Yes. PowerGardZ™ can be used in other countries that have an electrical supply of 110 to 130 Volts AC or 220 to 240 Volts AC, and 50-60Hz. We have all the plug adapters for each country.

How many units would customers require? Up to 1,800 kwh of monthly consumption we recommend one (1) unit. Over 1,800 kwh we recommend two (2).

How long will the PowerGardZ™ last It has a planned lifespan of up to 10 years.

Why haven’t I heard of this product until now? First, this product is new to the market. Also, until recently, electric rates throughout America were low, costing about 2, 3 or 4 cents per kilowatt-hour. Now, rising electric rates are 8, 10, 12, 14, and 19 and in some cases higher (New York City is 22 cents per Kwh, and Hawaii is 33.5 cents per Kwh). At lower rates, interest in PowerGardZ™ was poor, but at the current high rates, and growing concern for environment, there is a renewed interest in energy conservation and the PowerGardZ™.

Committed to YOUR Success,

Richard Simpson

“Helping Others Help Others”

Rsimpson05@bellsouth.net / 770-623-6341

Click HERE> to Check out my web site Isn’t it time for a change?

THE 200 BILLION DOLLAR SECRET

CALL – PHPI – MONDAY-FRIDAY AT 8:30pm EST

712.432.1900 pin 7474# - (12 minute call)

Your are invited to watch our BUSINESS OVERVIEW WEBINARS
MONDAY-FRIDAY AT 9:30pm EST 712.432.1900 pin 7474#

(15 minute webinars)

IMPORTANT: This is best viewed online at www.PeopleZteam.info

Categories:
News Flash Update
Tags:
People Helping People PeopleZ, PeopleZ PowerGardZ, Real estate

9 Aug 2010, Comments (0)

Make money helping other people

Author: Richard Simpson

How We Earn Money

Our company People Helping People, Inc. (PHPI) is one of the fastest growing companies in North America and, whether you are looking for a career change or a way to supplement your income. The PeopleZ team provides an incredible way for you to earn a significant income from home and achieve the quality of life you desire!

Our products:

(1)   PeopleZ Wireless Telecom

·        GSM (AT&amp;T &amp; T-Mobile) you can purchase “SIM Cards” and insert them into your existing GSM phones and begin using PeopleZwireless.

·        CDMA (Sprint &amp; Verizon) is available; you can purchase CDMA phones from our replicated websites or flip the switch for existing phones“unlocked” and “flash- programmed” with PeopleZ wireless.

(2)   PeopleZ Digital (VoIP) Services)

(3)   PeopleZ Health (Nutritional Products) This nutritional product is included in the monthly EShip ($39.99) This product helps our bodies to regain Phenomenal Health.

(4)  PeopleZ Zing (Virtual Bluetooth video/audio/flyers/messages)

A thought to ponder:

Who is the #1 steak sales company in the USA?

If you answered “Waffle House” you would be correct due to their large distribution channel.

With people ready for new streams of income and with everyone looking to save money on recurring Wireless Telecom and Nutritional Products.

The PeopleZ team has a mass-market appeal in a (3) Three Trillion Dollar Telecom industry which has $300 Million in North American and the United States of America.

We provide an incredible opportunity to earn significant income, part time, from home. And for those who desire it and qualify, our business can provide a very lucrative full time income. Helping people save money, helping people make money - it’s the best of both worlds!

What does this mean for you? It means an unparalleled opportunity to be involved with a company bursting in growth and earning the money to pay off bills, secure a retirement, or just begin enjoying life without always worrying about how to afford it.

What do we do?

We introduce people to a unique marketing method that, when they and others purchase products or services they already need, everyone benefits.

Instead of spending millions of dollars in radio, T.V. and print advertising, that money now comes to us. It’s known as word-of-mouth advertising.Companies such as AT&amp;T, Dell Computers, Citibank, Microsoft and others utilize this method to increase their sales. It’s the subject of frequent articles in publications such as The Wall Street Journal, New York Times, Fortune magazine, and many more.

This is not a get-rich-quick program. This is a solid, legitimate opportunity to apply consistent work and effort with a stable company and earn an incredible income for the work invested.

Committed to YOUR Success,

Richard Simpson

e-Mail: rsimpson@bellsouth.net

To Join us copy and past this link in your address bar: http://www.phpico.com/rsimpson

and then click on “Join PHPI Now” on the top right corner of the page

Categories:
News Flash Update
Tags:
Financial services, Richard Simpson

17 Jul 2010, Comments (0)

Just Filed Chapter 7 BK, Now What?

Author: Richard Simpson

Just Filed My Chapter 7 Case – Now What?

With many clients, once the attorney and client have reviewed the bankruptcy petition, schedules, statements, worksheets and calculations, and their case is ready to file, I am often met with a perplexed look and a question: ”So what happens next?”What happens next is a flurry of deadlines and court control dates, some of which require the client’s participation (such as responding to the Trustee’s requests for additional information), some do not require the client’s participation, and others may require the attorney’s participation, depending on how the case progresses.

Often, the client is overwhelmed with the detail and the numerous dates, and simply wants to know that they will get their discharge in “about four months”. However, some clients with more complex cases appreciate the added detail, which is why we have added a convenient Chapter 7 Timeline to our website.

The new addition allows a client or prospective client to input their Chapter 7 Filing Date and Section 341(a) hearing date (if known), and will output a scaled timeline with the important dates. Links to the relevant portions of the U.S. Bankruptcy Code and the Federal Rules of Bankruptcy Procedure are also included for cross reference at the bottom of the timeline page.

We hope this tool will help clients, prospective clients and attorneys alike better understand and navigate the meticulous and often trap-ridden world of bankruptcy law.

Richard Simpson

770-623-6341 Desk

404-788-4420 Cell

rsimpson05@bellsouth.net

People Helping People info

Click on this link to see video

or Listen to a 4 minute call at 646-222-0327

Check out my web site

http://www.teamgg.com/peoplez.html

People Helping People Presentation

Categories:
Bankruptcy
Tags:
Bankruptcy, Chapter 7 Title 11 United States Code, Credit Card Customers, Credit counseling, Mortgage Foreclosure, Real estate, United States

15 Jul 2010, Comments (0)

More than 1 million American households are likely to lose their homes to foreclosure this year,

Author: Richard Simpson

– More than 1 million American households are likely to lose their homes to foreclosure this year, as lenders work their way through a huge backlog of borrowers who have fallen behind on their loans.

Nearly 528,000 homes were taken over by lenders in the first six months of the year, a rate that is on track to eclipse the more than 900,000 homes repossessed in 2009, according to data released Thursday by RealtyTrac Inc., a foreclosure listing service.

“That would be unprecedented,” said Rick Sharga, a senior vice president at RealtyTrac.

By comparison, lenders have historically taken over about 100,000 homes a year, Sharga said.

The surge in home repossessions reflects the dynamic of a foreclosure crisis that has shown signs of leveling off in recent months, but remains a crippling drag on the housing market.

The pace at which new homes falling behind in payments and entering the foreclosure process has slowed as banks continue to let delinquent borrowers stay longer in their homes rather than adding to the glut of foreclosed properties on the market. At the same time, lenders have stepped up repossessions in an effort to clear out the backlog of distressed inventory on their books.

The number of households facing foreclosure in the first half of the year climbed 8 percent versus the same period last year, but dropped 5 percent from the last six months of 2009, according to RealtyTrac, which tracks notices for defaults, scheduled home auctions and home repossessions.

In all, about 1.7 million homeowners received a foreclosure-related warning between January and June. That translates to one in 78 U.S. homes.

Foreclosure notices posted monthly declines in April, May and June, but Sharga said one shouldn’t read too much into that.

“The banks are really sort of controlling or managing the dial on how fast these things get processed so they can ultimately manage the inventory of distressed assets on the market,” he said.

On average, it takes about 15 months for a home loan to go from being 30 days late to the property being foreclosed and sold, according to Lender Processing Services Inc., which tracks mortgages.

Assuming the U.S. economy doesn’t worsen, aggravating the foreclosure crisis, Sharga projects it will take lenders through 2013 to resolve the backlog of distressed properties that have on their books right now.

And a new wave of foreclosures could be coming in the second half of the year, especially if the unemployment rate remains high, mortgage-assistance programs fail, and the economy doesn’t improve fast enough to lift home sales.

The prospect of lenders taking over more than a million homes this year is likely to push housing values down, experts say.

Foreclosed homes are typically sold at steep discounts, lowering the value of surrounding properties.

“The downward pressure from foreclosures will persist and prices will be very weak well into 2012,” said Celia Chen, senior director of Moody’s Economy.com.

She projects home prices will fall as much as 6 percent over the next 12 months from where they were in the first-quarter.

Economic woes, such as unemployment or reduced income, continue to be the main catalysts for foreclosures this year. Initially, lax lending standards were the culprit. Now, homeowners with good credit who took out conventional, fixed-rate loans are the fastest growing group of foreclosures.

There are more than 7.3 million home loans in some stage of delinquency, according to Lender Processing Services.

Lenders are offering to help some homeowners modify their loans. But many borrowers can’t qualify or they are falling back into default. The Obama administration’s $75 billion foreclosure prevention effort has made only a small dent in the problem.

More than a third of the 1.2 million borrowers who have enrolled in the mortgage modification program have dropped out. That compares with about 27 percent who have received permanent loan modifications and are making payments on time.

Among states, Nevada posted the highest foreclosure rate in the first half of the year. One in every 17 households there received a foreclosure notice. However, foreclosures there are down 6 percent from a year earlier.

Arizona, Florida, California and Utah were next among states with the highest foreclosure rates. Rounding out the top 10 were Georgia, Michigan, Idaho, Illinois and Colorado.

Categories:
Uncategorized

9 Jul 2010, Comments (0)

Biggest Defaulters on Mortgages Are the Rich

Author: Richard Simpson

Biggest Defaulters on Mortgages Are the Rich

The housing bust that began among the working class in remote subdivisions and quickly progressed to the suburban middle class is striking the upper class in privileged enclaves like this one in Silicon Valley.

Whether it is their residence, a second home or a house bought as an investment, the rich have stopped paying the mortgage at a rate that greatly exceeds the rest of the population.

More than one in seven homeowners with loans in excess of a million dollars are seriously delinquent, according to data compiled for The New York Times by the real estate analytics firm CoreLogic.

By contrast, homeowners with less lavish housing are much more likely to keep writing checks to their lender. About one in 12 mortgages below the million-dollar mark is delinquent.

Though it is hard to prove, the CoreLogic data suggest that many of the well-to-do are purposely dumping their financially draining properties, just as they would any sour investment.

“The rich are different: they are more ruthless,” said Sam Khater, CoreLogic’s senior economist.

Five properties here in Los Altos were scheduled for foreclosure auctions in a recent issue of The Los Altos Town Crier, the weekly newspaper where local legal notices are posted. Four have unpaid mortgage debt of more than $1 million, with the highest amount $2.8 million.

Not so long ago, said Chris Redden, the paper’s advertising services director, “it was a surprise if we had one foreclosure a month.”

The sheriff in Cook County, Ill., is increasingly in demand to evict foreclosed owners in the upscale suburbs to the north and west of Chicago — like Wilmette, La Grange and Glencoe. The occupants are always gone by the time a deputy gets there, a spokesman said, but just barely.

In Las Vegas, Ken Lowman, a longtime agent for luxury properties, said four of the 11 sales he brokered in June were distressed properties.

“I’ve never seen the wealthy hit like this before,” Mr. Lowman said. “They made their plans based on the best of all possible scenarios — that their incomes would continue to grow, that real estate would never drop. Not many had a plan B.”

The defaulting owners, he said, often remain as long as they can. “They’re in denial,” he said.

Here in Los Altos, where the median home price of $1.5 million makes it one of the most exclusive towns in the country, several houses scheduled for auction were still occupied this week. The people who answered the door were reluctant to explain their circumstances in any detail.

At one house, where the lender was owed $1.3 million, there was a couch out front wrapped in plastic. A woman said she and her husband had lost their jobs and were moving in with relatives. At another house, the family said they were renters. A third family, whose mortgage is $1.6 million, said they would be moving this weekend.

At a vacant house with a pool, where the lender was seeking $1.27 million, a raft and a water gun lay abandoned on the entryway floor.

Lenders are fearful that many of the 11 million or so homeowners who owe more than their house is worth will walk away from them, especially if the real estate market begins to weaken again. The so-called strategic defaults have become a matter of intense debate in recent months.

Fannie Mae and Freddie Mac, the two quasi-governmental mortgage finance companies that own most of the mortgages in America with a value of less than $500,000, are alternately pleading with distressed homeowners not to be bad citizens and brandishing a stick at them.

In a recent column on Freddie Mac’s Web site, the company’s executive vice president, Don Bisenius, acknowledged that walking away “might well be a good decision for certain borrowers” but argues that those who do it are trashing their communities.

Tags: foreclosure, Real estate

Categories:
Foreclosure
Tags:
Bankruptcy, Foreclosure, Mortgage, Mortgage Foreclosure, Real estate, Richard Simpson

7 Jul 2010, Comments (0)

Denial of unemployment benefits to hard-pressed Americans

Author: Richard Simpson

When Uruguay striker Luis Suarez raised his hands to block a sure goal from the opposing Ghana side, he committed a foul and paid the penalty — but Uruguay won the game and Ghana’s World Cup team packed its bags.

Suarez got a red card that removed him from the game and suspended him from the semifinal that Uruguay got to play thanks to his unsportsmanlike conduct. There is no goaltending rule in soccer, and Ghana failed to make the ensuing penalty kick and then lost the overtime penalty shootout.

Suarez and Uruguay earned universal opprobrium, but, hey, all the rules were applied and they won the game. “Truth is, it was worth it,” a grinning Suarez said after the game.

In thwarting the extension of unemployment benefits, Senate Republicans are playing with Uruguayan tactics, manipulating the rules in a brazenly unsportsmanlike attempt to win the game at any cost.
AM Report: Jobless benefits spark fierce debate

Jobless benefits are leading to a fierce debate: Do they prompt jobless workers to be pickier in their searches? Or is employment insurance a prudent response to the worst recession in decades?

Using the pernicious filibuster rule, the minority party is breaking with a long tradition of automatically providing federal support in times of high unemployment, imposing further hardships on thousands of families.

It is bad politics, bad economics, and just plain nasty, but Republicans are clearly intent on sabotaging the Obama administration no matter what the cost to individual Americans.

The Republican objections about not wanting to extend unemployment unless it is “funded” because they don’t want enlarge the federal deficit are bogus and hypocritical. They never hesitated to add to the deficit when it was a question of tax cuts for the wealthy, estimated to have cost $2 trillion over six years. The $35.5 billion for the unemployment benefits is negligible compared to that figure.

Sacrificing such a relatively small expenditure on the altar of fiscal rectitude really does turn deficit hawks into deficit terrorists, to use economist Bill Mitchell’s phrase. To insist on this sacrifice when unemployment is at nearly 10% and Treasury yields are at historic lows is truly foul play.

No less an authority than Mark Zandi, the Moody’s economist who was one of John McCain’s economic advisers during his presidential campaign, said it is vital to extend the benefits regardless of the deficit. The risk of a double-dip recession by not extending them more than outweighs any harm done through a short-term blip in the deficit, Zandi said in congressional testimony last week.

The denial of unemployment benefits to hard-pressed Americans is just the latest tactic in the Republican’s scorched earth strategy.

“Paying for it…should not be a precondition for Congress to provide more financial help to unemployed workers, strapped states and municipalities, and small businesses looking to expand,” Zandi told the House Budget Committee. “A larger near-term federal deficit is not an economic problem.”

Congress can offset the expenditure a couple of years from now, “when the economy is in full swing,” said this economist, whom no one has ever accused of pandering to the left.

But the unprecedented denial of unemployment benefits to hard-pressed Americans — make no mistake, children are going hungry as a result — is just the latest tactic in Republicans’ scorched earth strategy designed to maximize their political gain in the November midterm elections.

It’s a cruel and cynical strategy that could well backfire, even though it victimizes some of the weakest and most disenfranchised sectors of the electorate.

The Republicans are evidently counting on the rage of voters hurt by the economy to be targeted at the Democratic majority, but people aren’t that stupid. They know that the Senate Republicans — and the unfathomable Nebraska Democrat Ben Nelson — are the ones who blocked the aid.

Matthew Kaminski of The Wall Street Journal cited the Suarez incident as well as some of the big refereeing gaffes in the World Cup competition as the reason why Americans don’t like soccer — it violates our sense of fair play.

And yet the Republican strategy of winning at any cost — any cost to the American people, any cost to the common weal — is a much greater violation of any sense of fair play, with much graver consequences.

The Netherlands handily defeated Uruguay in the semifinal and his red card was the last action Suarez saw in the contest. If the American sense of fair play kicks in this November, a number of Republicans may be looking at their own red cards