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What to expect during foreclosure

The number of Americans struggling to keep up with their mortgages is astronomical, and many of them are wondering what happens if you foreclose. It’s scary to even think about it. If you are falling behind on your payments, how long do you have until the bank forecloses on your home? Will you have enough time to pack all of your things before you have to move out?

The amount of time you have depends on where you live, unfortunately, so there is no way to give all of the answers in one short article. However, you should know that there are guidelines your lender must follow and they always include giving the owner of the home notice of the impending foreclosure. As for the actual amount of time given, you’ll need to research the laws in the state where you live.

In some states, even after the foreclosure auction there is a chance to get your home back. The period of time involved can range from a month to as much as year and is known as a redemption period. At any time during this period, you can pay off the entire amount owed to the lender including legal fees and they must let you take back ownership of the house.

Another thing you might be worried about is what happens to your credit when you foreclose. Obviously it is going to be impacted in a negative way and it will be more difficult for you to obtain new credit lines following the foreclosure of your home. However, if you are able to start paying everything on time afterward, you could be qualified to purchase another home in as little as two years.

Although the foreclosure will remain on your credit for as long as seven years, it will have the most negative consequences during the first year. Once lenders start seeing positives show up on your report, they give less weight to the older negatives. As time passes, your recent on-time payments will be given more credence than your past failures.

How to file bankruptcy when you are broke

One of the most frustrating things about coming to the realization that you are broke and you need to file bankruptcy is the realization that many people that need to file bankruptcy are actually too broke to come up with the fees for bankruptcy. Fees include, the filing fee, class fees and of course you bankruptcy attorney fee.

What do you do if you are living pay check to paycheck and you can not afford an attorney?

Before I decided I had no choice but to file for bankruptcy I was trying to everything to pay down my bills. I would listen to gurus like Dave Ramsey to see if he could offer anything new that I had not already thought of. I really wanted to avoid filing bankruptcy and pay on the debts that built up until late fees and a ton of other fees started piling up after I was late on a couple credit card bills. My budget was so tight that being late and incurring late fees, over the limit fees and a couple other fees on my credit card sent me over the top to the realization that I had to file bankruptcy.

Although the fees at the time were very frustrating and very stressful they were also a blessing in disguise and is what propelled me forward to research bankruptcy to see how bad things could be if I filed. I was already living pay check to pay check and my only fear would be they would make me sell my home. I met with a Michigan bankruptcy attorney to discuss my case and I expressed my inability to pay him in full and wanted to know if he had a payment plan of some kind. This is common and most attorneys will tell you their fee and how much it is to retain them. Once you retain the attorney you can begin sending all your creditors to their office. The attorney will tell you to stop paying all of your credit card bills and this is the money you can use to pay your attorney and your filing fees even if it takes a couple months to pay the attorney off in full.

Making investments that are right for you

Most of us dream of making it big and becoming rich; if not that, then at least being secure financially in life. So many of us think of making an investment; but what is an investment? It is that amount of money that an investor places with an expectation of profit. There are two more popular types of investment: real estate and stocks. Let’s take a look these types of investments.

Stocks have the potential of making you very rich. The richest men in the world have gotten their fortune through stocks. Buying stock is buying ownership in a company. So you end up owning a part of the company. When buying stocks, you should try to find undervalued stocks. It may also take years, ten to twenty, for your money to grow. It will also be necessary for you to hold on to stocks for a long period of time, hoping that the company will make it big and thus making your stock more valuable.

There are some disadvantages in getting stocks. One is lack of control, and the other is lack of financing. Although you may be part owner of the company, you may not have enough stocks to gain control of that company; thus, you are at the mercy of the directors that run that company. Also, it would be very hard to find a creditor to lend you money for you to be able to buy more stocks and gain you of the company. Find companies that have impeccable records, both in the performance of the company and the people who run the company, as you would not want to be a part of a financial meltdown. You may want to look into investing in ETFs (Exchange-Traded Funds) – like the gold or silver ETF. These are great funds for less experienced investors to invest in when you want to get into a sector, but not a specific company.

Buying real estate also has the potential of making you really rich. Try to find properties that are undervalued or those that are in need of repairs. This is especially true if you are one who can make those repairs. When you have repaired the properties, all you have to wait for is for someone to rent or you can sell it at a higher price.

For the average Joe, the advantages of investing in real estate are clear. You have more control over the investment. There is a faster rate of return when you do all things well. This is especially true if you have a good mortgage provider. When renting out, you will be paying your mortgage from the rent and the house will become yours without you dishing out any money. Although it is true that stock can sometimes appreciate faster than a real estate investment; for the average person investing in real estate is the way to go.

Whatever your financial planning goals are – you always have lots of options for investing your money in either real estate or the stock market – just make sure you plan well and do it wisely. You’ll be sure to come out ahead.

Get Great Sleeping Habits To Reduce The Risk Visiting a Houston Mental Therapy Disorders Clinic

Having good sleeping patterns benefits not only your physical health, but it also keeps you from psychological disorders like depression, bipolar disorder, and schizophrenia. A study published in the Lancet Psychiatry has discovered that those who have experienced disturbances on their internal body clock are more likely to report mood instability, loneliness, lower satisfaction, and worsened cognitive function.

Disturbances do not have to be huge, like working on the night shift, as even a simple activity during times of sleep or napping during the day can already disrupt your normal sleeping patterns. With modern artificial lighting and the popularity of gadgets, circadian rhythms are being disrupted. Unfortunately, this controls the body’s physiological, as well as behavioral body functions.

Your biological clock is found in the part of the brain called the suprachiasmatic nucleus. It takes cues from sunlight or certain types of bright light, then it figures out approximately what time of the day it is. Once it does, it sends this information to the rest of the body.

Your body depends on this internal timekeeping system because it predicts any environmental changes and prepares the body to adapt to appropriate activities at any given time of the day. Once this rhythm is interrupted, there is a higher risk of diseases in the brain and the pancreas. However, this study has expanded the effects to mental health, with higher chances of anxiety and depression observed with those whose circadian rhythms are not normal.

In order to prevent having issues with your natural biological clock, it is important to take the necessary precautions. First of all, you should avoid risk factors like going on the night shift, traveling across time zones, and using artificial light, especially during night time. However, there are some factors like age and specific medical conditions that are not as easy to avoid.

This means, in order to protect yourself from issues with your circadian rhythm, you just need to take the right steps and frequently visit a Houston therapist. Drinking anything that has caffeine is a bad idea, as well as staring at your phone before bedtime or during the night. The light emanating from these screens mimic natural light and therefore, keep you awake even if you do not want to. In fact, it is good to put down your device at 10 PM, or some time before you go to sleep. This way, you are sure your body will not have any issues with falling asleep.

Beyond this, your activities during the day matter, especially during the winter months. Going out during the day is vital in getting you some sunlight, but make sure you reduce your activity during the night. Slowly, your body slows down until you fall into deep sleep. This can lessen your risk of developing any mental health issues.

If unfortunately, fixing your circadian rhythm is not enough to reduce your symptoms of mental disease, then it is time to talk to a psychiatrist. An expert can help you deal with your anxiety and depression, especially in patients who seem to have both conditions.

SEO Challenges Faced By Global Companies

The global exposure businesses gain by being on the Internet can both be positive and negative. While having a wider reach puts them in touch with more customers around the world, it also presents some unique challenges to both advertisers and SEO companies.

Challenges With The Language

A global website should cater to all, regardless of what language they speak. Tons of businesses and readers rely on online translators like Google Translate, which can easily interpret the whole web page into the local language in one click. However, this is not the best way to do it.

Online translators, while they have played their part well in helping people gain a basic understanding of text in other languages, are still not as good at avoiding grammatical errors, choosing the most appropriate words and incorporating cultural differences.

Businesses that really rely on international markets should invest in proper translation of their websites in the languages used by key countries. Visitors can then choose the country and the website when they visit the website.

This is best done by hiring expert translators to make sure the right wording is also used, especially when words have multiple meanings. Do not ever go for a popular but wrong translation just to improve your search rankings.

Geo-Targeting Issues

First and foremost, if you want to build a global website, then move away from country-specific domains like .uk or .dk and instead, go for .com for an international reach. Country or language tags are normally not used by Google because many content management systems (CMS) and plugins make mistakes and thus the system is unreliable.

In many cases, IP detection can be used so that visitors are redirected to local versions of the website. However, there are some cases they do not work or at times, the location is identified but users are not redirected to a local page even if it exists. These are just some of the issues SEO companies need to work out to ensure a properly functioning global website.

Technical Issues

Houston SEO companies have to deal with a lot of issues related to global websites, which is why companies should work with them right from the beginning. For example, the website that is now available in multiple languages should not have just a single URL, because this confuses the search engines and website visitors.

Organizational Problems

Many companies strive for a global website without realizing the amount of work necessary to maintain and manage them. At times, these are in different languages and one update needs to be applied in all versions. One way to reduce the headaches is to have standard guidelines for maintaining and running these websites and distributing them to local SEO teams or agencies handling the website. Templates also make sure that everything is consistent across all countries.

While the purpose of a global website is to increase reach and business, it is important to always have the end customer in mind when applying these changes to the website. Each local version should appeal to the market, which is why hiring a local SEO agency makes sense. With careful planning and right implementation, these challenges can be overcome and a global website can be properly set up and reach the intended audience.

How To Choose The Right Concrete Flooring For Your Houston Home

When you’ve finally decided to renovate your home, you should also consider renovating your floor. There are floors that already need changing, while there are some that are in good condition still. However, there are times when a renovation can damage your floor, so best be prepared to change it anytime soon.

Different rooms in your house have different floor requirements. There is no flooring that can be applied to every floor of your home. Can you imagine having cement floors in your bathroom? Didn’t think so. Instead, here is a comprehensive guide to choosing floors for every room of your home.

Living Room

When it comes to the living room, you can be really creative with the kind of floor you use. You can use hardwood, carpet, or even tiles. However, most people prefer hardwood as it is easy to match with any color scheme and it is also easier to clean, unlike carpets.

The trick with picking the right floor for your living room is to first identify the theme you want to set up. If you want a cozy feel to it, hardwood is your best bet because it makes any room feel warmer. If you want an industrial-like theme, you can also go with plain concrete coated with epoxy. In this way, concrete will look shinier and more polished.


For the kitchen, you want to have floors that can withstand moisture and at the same time, will not make people slip. You will be handling a lot of ingredients in this area so you don’t want to keep falling around. The best option for the kitchen is laminate flooring.

Laminate flooring is durable and at the same time very low maintenance. If you’re going to make a mess in the kitchen, it will be easier to clean up after because laminates can be cleaned with a damp towel. It is also a good material to handle moisture.


If there is one room that is always moist, that would be the bathroom. Given that, you want to pick flooring that can withstand a lot of moisture. The best option for any bathroom is tile. Tiles, especially porcelain tiles, are the best choice because it can be resistant to the moisture that builds up in the bathroom. However, tiles can also be slippery, so make sure that you add a mat.

Porch or Garden

Finally, if you have a backyard or a front porch, it’s good to consider using hardwood but you have to apply floor coatings. In this way, you can increase the durability of the wood by having extra protection from wear and tear.

Hardwood looks great for landscapes because it brings out the color of the plants and flowers. At the same time, it adds a more outdoor feel that is natural and calming.

There are many kinds of flooring available to the different parts of your home. If you plan on experimenting with the different floors, make sure that you take into consideration the moisture of the room. This way, you can still end up choosing the most durable option for your rooms. Contact a concrete contractor at https://houstontxconcrete.com/ for quotes.

Common Mistakes To Avoid When Remodeling Your Houston Polished Flooring

When you make mistakes with your flooring, you will not only end up spending a lot of money, but you will also have to endure more inconveniences. When you need to have floors redone, you will have to move everything and everyone out. This is why it is vital to avoid these common floor renovation mistakes.

Not Giving Time For Hardwood Refinishing

Hardwood floors may only take around 3 to 5 days to be installed, but actually, they need 4 more days before any furniture can be brought in. During this time, you cannot even walk in these rooms, which is why planning well is important. You will either need to redo floors one at a time so that you will not need to completely move out or simply organize someplace to stay in temporarily. Worse, brand new floors also need more time to cure. When discussing the installation of hardwood floors, it is important to ask the contractor for a timetable so that you can plan accordingly.

Going For The Lowest Bid

There is nothing wrong with trying to save money on your home remodeling, but there are many ways contractors trick customers to get the job. They might end up using cheaper and substandard materials or they try to finish the job quickly and sloppily. This can also mean that they sand the floors only with 2 grits instead of 3. They may also be cheaper because they have a negative reputation due to poor craftsmanship. But another common trick they might employ is giving an estimate without itemizing exactly what is included. Homeowners are then suddenly surprised that they have not applied the right number of coats, for example.

Following The Wrong Order Of Work

Painting the walls and installing cabinets before installing the floors is a mistake. When it comes to painting, it comes out just much better if done in this order. But the cabinets can be an even more expensive mistake. This is because hardwood and tile floors are about ¾ inches thick. This means everything, from the appliances to the cabinets might either no longer fit or might be a little bit off. Unless the contractor has measured your cabinets specifically with the flooring in mind, it is still best to do the floors before anything else.

Hiring A General Contractor

A polishing concrete company general contractor or a handyman might be cheaper than a flooring specialist, but this is only because their skill level in this kind of work is low. Specialists have deeper knowledge especially on subtle differences in materials that other people will not normally notice. They will also likely take shortcuts that will result in inferior flooring.

Using The Wrong Cleaning Products

While waxing was a common trend in the past, this is no longer necessary nowadays. But another danger to your brand-new floor is the use of wrong cleaning products. Some that contain oil and wax may actually degrade the polyurethane layer that protects your hardwood floors.

When you choose the right flooring and have them installed properly, you can easily keep it for many years to come. This is why spending a bit more on quality materials and competent contractors can pay off eventually. You will also be sure to avoid these costly mistakes that amateurs or cheap Houston concrete countertop contractors might make.

Choosing The Right Houston Sober Living Rehab For A Fresh Start

There are tons of drug rehab centers around and deciding where to go is a tough but important situation. These places differ in terms of their programs, their approaches, and treatments. There are several things you need to research that can affect your choice.

What To Look Out For

Licensing and Accreditation

The last thing you want to do is to go to a center that flies under the radar. Accredited facilities mean they have been checked by the state but beyond that, it is a good idea to make sure the doctors working in the facility are also licensed. You can easily figure this out during a visit to the place, as documentation of accreditation should be posted there.

Treatment Methods

Each rehab center will have a list of the methods they use to help patients, though there are common ones like therapy and counseling that are done everywhere. Still, there may be other methods used based on their beliefs and approaches, like offering religion-based care or putting focus on healthy eating.

Program Duration

There are many celebrities who famously entered rehab only to reemerge a month later, and relapse not long after. While the standard length of such programs is 28 days, giving yourself more time can greatly influence your success. You might want to consider a rehab that offers longer programs just in case you feel the need to stay.

Program Goals

What the program aims to achieve differs from one rehab to another. Some rely heavily on substituting alcohol or drugs like methadone, or others will already consider finishing the 28-day program a success. Your rehab should be aligned with your personal goals so that you will achieve the results you desire.

Holistic Care

Long-term addiction can wreak havoc on your health, which is why some sober living Houston rehab centers try to balance sobriety and wellness. These IOP Houston programs might include exercise and healthy eating, and also prescribe supplements in order to assist the body’s recovery from addiction. If these are not interesting or important to you, then make sure to avoid these kinds of facilities.


Thinking about life after rehab is a good step, as sobriety can be challenged once you are back in the real world. In some facilities, they offer aftercare programs like regular meetings or therapy sessions. Knowing what your options are will help you prepare for long-term treatment, especially if you build rapport or feel comfortable with the people in the rehab center.

There are also centers that support you in finding a job or helping you get on your feet so that you can become a useful part of society. Whether you find these certain programs desirable or not, knowing the methods used by a rehab center is vital in identifying which one is the perfect fit.

Ultimately, you need to focus on one that will support you on the road to sobriety. One of the best ways is to read feedback or experiences by people who have visited the same facility. This is a great way to get a better feel of the rehab center and to decide if it is the right one for you.

Tips to Save Energy Costs When Repairing Your AC in Houston Summer

Summer is the best season of the year when people enjoy having ice creams, slushies, wearing shorts and flip-flops, and going on trips to the beach. However, the sultry days of summer can also leave you feeling muggy. While the need to switch on your home air-conditioner to cool things down makes the heat more bearable, it can also cost you an arm and a leg once the utility bill arrives. But that doesn’t mean you have to go through the imminent dog days of summer just manually fanning it out to save your wallet from sky-high electricity costs.

Here are some tips on how to keep cool with your home air-conditioning system this summer without having to break the bank:

Get a programmable thermostat

Many people who opt for a programmable thermostat swear that it’s one of the best investments they made for their HVAC system. The advantage of using a programmable thermostat is that it allows you to control when it should be set to high or low instead of manually doing it yourself. According to the Natural Resources Defense Council, setting the temperature to the highest level that you can tolerate is actually better than maintaining a constant temperature all day long. This is because AC system works best at full swing over longer periods of time compared to the unit cycling on and off when nobody’s home. Furthermore, a programmable thermostat makes your home energy-efficient and lets you create a schedule when household members are at work, at school or at home. This allows you to decrease your energy usage and keep a comfortable temperature all around your home. If you haven’t made the switch yet, do it now. Your wallet will thank you when the next utility bill comes.

Keep away heat using blinds and curtains

During the high summer, keep in mind to close blinds and curtains especially in rooms which get the most sunlight. Blinds and curtains help block out heat from the sun and aid your AC system in performing an easier job by making the rooms in your home easier to cool.

Perform preventive maintenance

Schedule a regular AC repair Houston inspection for your HVAC system, preferably twice a year – the heating system in autumn and the air-conditioner in springtime. This includes removing leaves or other debris from the outside unit, changing filters every 30 days, cleaning the vents and ensuring they are open, cleaning the indoor and outdoor coils, checking voltage connections to make sure they are still in good working condition, and performing necessary repairs. When your HVAC system is routinely checked, it stays in top condition, its lifespan is extended, and it is able to do an efficient job.

Check your home for air leaks

If your house is more than two decades old, there may already be areas which are not airtight. Factors such as drafty doors, untight windows, and improperly insulated rooms contribute to loss of cool air. You surely don’t want to waste money cooling your home, only for the cool air to escape, making your AC system work harder. Weatherstripping your doors and windows and caulking gaps, joints and cracks will help ensure that the cool air stays where it should be as used by many commercial air conditioning repair companies.

Keeping cool during the summer season does not have to leave you frustrated with expensive electricity bills. Taking steps to ensure that your HVAC system works properly and that your house is appropriately insulated will save you hundreds of dollars.

Practical Tips For Planning A Houston Home Makeover with Polished Flooring

The thought of a home improvement project can be quite exciting – freshly painted walls, sleek new wallpapers, gleaming floor tiles, refurbished living room. However, it can also be a challenging and stressful task if not properly executed. So before getting that hammer out, consider the following tips for a successful and effective home makeover.

1. Determine your needs and wants

“Which rooms need new wallpapers?” “Does the kitchen also need remodeling?” You should ask yourself such questions in order to determine what part of the house needs to be addressed soon and what can be done at a later time. Whether you are aiming for a small makeover or a big remodeling project, having a concrete outline of your home makeover project helps you get a clear overview of the expected outcome, duration of the renovation, and amount of money you are going to shell out. Remember, the whole is greater than the sum of its parts.

2. Use a renovation app

Ah, the wonders of modern technology. Many years ago, it would have taken ages before you can whip up a blueprint for a remodeling project (that’s using only a pen, paper and measuring tools!). With the rise on the demand for everything digital, you can now plan and design your own house project in a computer, with a few clicks here and there. A quick search on the internet will yield a good number of free and paid renovation apps, each offering a plethora of features for every need, including floor plans, 2D and 3D models, visualizing paint colors, testing out furniture, calculations, you name it.

3. Stick to your budget

Of course, money plays a huge role in a home improvement project and is one of the most crucial parts of the planning phase. It is important to stick to what you actually need versus what you want. Sure, that fancy baroque lamp shade you saw at the furniture store worth $300 would look awesome in your living room – but is it necessary? You would do well to avoid overspending only because you think it something looks cute or cool. The last thing you want to happen is for your budget to run out even before your home remodeling project is finished.

4. Consider some DIY

Doing some of the muscle work yourself is one of the keys to having an economical house renovation polished concrete services project. What’s more, you can work at your own pace and not have to rely on the availability of a worker to get the job done. If you think laying the tiles or painting the walls is not a tall order, then, by all means, do it on your own. Getting those creative juices flowing does not only do your brain a favor, it will also make you feel proud that you did it yourself.

5. Look for some great deals

That leather sofa you found and fell in love with at an expensive furniture shop? You may be able to get it for half the price elsewhere – only if you are patient enough to do some research. Make a table and compare prices from different stores and suppliers, take advantage of sales and offers, or if you are not the fussy type, visit some thrift shops and second-hand furniture stores. You’ll be surprised at how much money you can save for your remodeling project if you take the time to do some homework.

Embarking on a home renovation project should not be a daunting task. Setting realistic goals, planning properly and sticking to the plan will help you prevent costly mistakes.