Month: February 2009

Communicating to Help Stop Foreclosure

One of the biggest mistakes that individuals make when faced with foreclosure is failing to communicate on a regular basis with their mortgage company. The mortgage company almost always wants to avoid a loan getting to the point of foreclosure because it costs the mortgage company a lot in lawyer’s fees and court costs which they would not have to pay if they can work something out with the individual who is trying to keep their home. There are free foreclosure help organizations that are provided by the government and non-profit agencies that can advise individuals and even help to communicate with the mortgage companies for the individual if it is needed.

Take It Step by Step

The first step to help stop foreclosure is to inform the mortgage company as soon as the individual knows that he will not be able to make a payment. If the individual has lost a job or has faced cutbacks in his employment, then he needs to notify the mortgage company immediately so that he can find out what his options are. Often, if he has been paying regularly and on time in the past so that the company has good record of his payments, they will be willing to let a payment or two go by in order to allow him time to find another job. This is one way mortgage companies will help to stop foreclosure is by offering these types of special forbearances, which gives a reduced rate or a suspension of the mortgage payments for a specified amount of time to allow the individual to get ‘back on his feet’ with his employment.

During the forbearance, or even during every stage of the process, individuals should check in with the mortgage company at least once per month to inform them of the progress and show that they are doing all they can on their side to help stop foreclosure. It is usually the individuals who choose to ignore the mortgage company and possibly abandon their homes who are the ones who end up facing foreclosure on their property. For those who have initially financed their homes on an ARM, one way to help stop foreclosure is to work with the mortgage company to refinance the loan at a lower, fixed rate that the individual can afford to pay. If this is not an option, individual can also do a pre-foreclosure sale of their house so that it never reaches the point of foreclosure. This can provide the means of paying off the remaining amount of the loan and to get out of the house without further damage to credit.

The Best Dark Chocolate Benefits

The Best Dark Chocolate Benefits

So what would you say if one day your doctor told you that eating a little bit of chocolate every day could help your health? He may wind up being the best doctor you have ever had. There is still a lot of research going on but it is starting to look like the best dark chocolate benefits is that it can help you with some of the more important aspects of your health.

Of course any government agency is going to make very sure that they have all of their data correct before they announce that one of the best dark chocolate benefits is that it may be good for you but the research is ongoing and the results are promising. Of course it should be stated that the best dark chocolate are only enjoyed if the dark chocolate is used in moderation.

Even the best dark chocolate is still loaded with fat and sugar and no matter how many of the best dark chocolate benefits are found those benefits can be easily offset by eating too much dark chocolate. Eating too much of any chocolate can cause obesity, diabetes, and a number of other dangerous health conditions so be certain to watch how much you eat if you really want to enjoy the best dark chocolate benefits without the side effects that come with too much candy.

According to data being done in the United States and in Europe there is something in dark chocolate called antioxidants that occurs naturally. One of the best dark chocolate benefits from these concentrations of antioxidants is that it helps lower blood pressure and reduce stress on the heart. There are a series of other positive effects as well but the main thing that scientists and researchers all over the world are focusing on as the best dark chocolate benefit is that it is healthy for your heart. Once again this is if you consume the dark chocolate in moderation. What levels of moderation, and exactly what types of dark chocolate, are recommended are things researchers are still working on.

Good Enough For The Manufacturers

Back in the 1950?s candy manufacturers would try and maintain that their sweet treats were delicious and nutritious. After a while the federal government made them stop saying they are nutritious when all of the side effects of too much candy were realized. Now with this newest research news the makers of candy all over the world are rushing to patent their own way of making the best dark chocolate in a healthy way for their customers. If you can be the first to make healthy dark chocolate then you may be in line for a rapid increase in sales.