SPAM email - New Gov't program allows house owners to cut their home payments in HALF! See below.

Assunto: New Gov't program allows house owners to cut their home payments in HALF!  See below.

De: Amanda McGoldrick <newsletter778@rastfraim.info>

Roughly 3,000 agents surveyed by the National Association of Realtors from Oct. 22 to Nov. 5 reported that just 31 percent of their sales were to first-time ers. Normally, first-time ers represent closer to 40 percent of the market, according to the survey. Likewise, a monthly tracking survey of about 2,500 agents, this one conducted in October by Campbell Surveys and Inside Finance, showed the first-time er’s share of the market at 34.7 percent. That’s the lowest percentage recorded in the survey’s three-year history, according to Thomas Popik, Campbell’s research director. The survey results also demonstrated how heavily first-time ers rely on loans backed by the Federal Housing Administration. These loans are attractive to first-timers with moderate incomes because the down-payment requirement is just 3.5 percent. About half of first-time ers now use F.H.A. financing, Mr. Popik said. But these loans are becoming more costly, which could be contributing to the drop-off in new ers. The financially troubled agency raised its rates for this year, and has announced plans to do so again next year. Although that will amount to only 0.1 percent of the loan amount, the higher premiums do make it harder for people already facing tight lending standards, Mr. Popik noted. “Today’s market is all about the availability of financing,” he said, “not the interest rates.” Uncertainty about coming regulatory changes is making community lenders all the more cautious about approving loans to first-time ers, said David Wind, the president and chief executive of the Home Company in White Plains. The Realtors’ survey also noted that cash-rich investors are crowding out hunters of lower-priced properties. Still, new-er activity may be stronger in the New York metropolitan area than national surveys suggest. “It’s very hard to lump this market with the rest of the country,” said Jordan Roth, a senior branch manager of GFI Bankers in Manhattan. “It’s very geographically distinct.” At least anecdotally, Mr. Roth said, he has seen a “tremendous ” in new ers in the tristate region over the last year. High rents and low vacancy rates are driving the purchase activity among people who have their finances in order, he added. “People have been reading about the strict regulations, and have taken the necessary steps that will improve their and allow them to ,” Mr. Roth said. Peter Grabel, a senior loan originator for the Luxury Corporation in Stamford, Conn., is also seeing new ers who feel they are being priced out of the New York rental market. In the higher price ranges, for which Federal Housing Administration loans are unavailable, first-time ers are frequently using cash gifts from relatives to meet the hefty down-payment requirements, he said. Webster Bank, which has branches in Connecticut, New York, Massachusetts and Rhode Island, has seen a rise in its first-time er business this year. Like many lenders, the bank has gone after first-time ers with an education outreach program aimed at both real estate agents and potential borrowers. Some would-be ers are sitting on the sidelines because they are unfamiliar with first-time er programs, and don’t realize that it may be costing them more to rent than to own, said Simon Tahan, the bank’s senior vice president for sales and distribution. Purchase loans represented 16 percent of Webster’s loans in January. Now, Mr. Tahan said, purchases represent closer to 36 percent. New Gov't program allows house owners to cut their home payments in HALF!

newsletter778@rastfraim.info also see Auto Policy Update http://spam-correio-nao-solicitado.blogspot.pt/2012/12/spam-email-urgent-auto-policy-update.html

SPAM email - URGENT: Auto Policy Update Effective Immediately

Assunto: URGENT: Auto Policy Update Effective Immediately

De: Customer Support <white_karen@filtsmagh.com>



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SPAM email - Looking for a better deal on Auto Coverage ?

Assunto: Looking for a better deal on Auto Coverage ?
De: Harriet Gregory <newsletter456@fraynohare.info>

Can you explain what a deductible is? I don't know what amount to choose for my collision and comprehensive deductibles because I don't understand how exactly it all works. Answer: A deductible is the amount that you agree to pay out of pocket before your car benefits start up after you've filed a claim. Once your deductible amount is paid, then your auto company should pay the remainder of the claim, up to your policy limits. Not all car coverages have deductibles associated to them. For example, liability coverages don't have deductibles, some coverages such as personal injury protection (PIP) and uninsured motorist might, depending upon your state and insurer, and physical damage coverages of collision and comprehensive always will, unless you choose $0 as your deductible amount. You may have one or several deductible amounts to choose at the inception of your policy. We'll stick to examples with collision and comprehensive coverage since you asked about them specifically, but the same general principles apply to any coverage with a deductible. How does a deductible work? When ing physical damage coverages you are offered deductible amounts that can range from as low as $0 to as high as a $2,500 (or more with some insurers); however, the most popular deductibles choices are $250, $500 or $1,000. Let's say you have chosen a $500 collision deductible and get into an auto accident that causes $4,000 in damages. After filing a collision claim, you'd pay the repair shop the first $500 and your auto insurer would pay the remaining $3,500. If your vehicle is worth 4,000, then your car would be deemed a total loss. Instead of you paying the $500 deductible, that amount would be deducted from the actual cash value of the vehicle (the most your insurer will pay out under collision or comprehensive coverage), and you would receive $3,500 from your insurer. If the damage to your vehicle were 450, instead of $4,000, then there would be no reason to make a claim since your collision benefits only kick in once the repair costs are over $500, and thus you'd be responsible for the whole $450 repair bill. Your deductible is normally due whether you're at fault or not (there are a few exceptions, such as the comprehensive deductible for windshield claims in some states). If you're not at fault in an accident and don't want to pay your deductible, then you'll need to go through the at-fault party's property damage liability coverage to make your claim. What amount should I choose? The more financial risk you place on your auto provider, the more you'll pay in premiums. A lower deductible means you pay less out-of-pocket when a claim is made, but you'll pay more in premiums. A higher deductible means that you'll pay out more when filing a claim, but you'll pay less in premiums throughout the year. Our philosophy is that is for the big things, not the little ones. We recommend that you pay for minor damages without involving your company. File a claim only for damage you cannot afford to fix yourself. If you make claims for every minor scrape, the number of claims will cause your premiums to go up even more. If you make enough claims, your insurer may decide not to renew your policy. Most small repairs aren't worth filing a claim over. For example, a $500 dent repair would bring you a check for 250 once your $250 deductible is paid -- and it could start the clock ticking on higher rates at renewal time that could ultimately cost many times more. That means you should choose a deductible that you can afford, but high enough so that small scrapes and bumps fall beneath that limit. (See ”Will higher deductibles save you money?”) If you choose a $1,000 deductible, you could save money on your premiums, but you need to make sure you can come up with $1,000 if you need to make a claim. Otherwise, your car may be sidelined until you can come up with the money. (See “What if I can't pay my deductible?”) To help decide not only what deductible amounts you should choose but also what coverages may be appropriate for you, try out Car.com's coverage calculator. You can also see how different deductible amounts will affect your rates by comparison shopping for car quotes. Our quoting system allows you to get a quote and then go back to edit your deductible amounts and get updated quotes to see how the change affects rates.

newsletter456@fraynohare.info


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SPAM email - Blue Shield is offering Affordable Health Insurance.

Assunto: Blue Shield is offering Affordable Health Insurance.
De: Coverage Update <mindy@bagneoopod.com>

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SPAM email - Responda em 2 minutos e receba 2000 euros em compras

Assunto: Responda em 2 minutos e receba 2000 euros em compras
De: Inquérito Consumidor <mail@emailmixer.net>

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SPAM email - New Gov program saves house owners 50 percent a their Home Bill!

Assunto: New Gov program saves house owners 50 percent a their Home Bill!

De: Melinda Standley <newsletter8@mutayeat.info>

Yesterday I journeyed to San Jose to visit with the Silicon Valley Chapter of CAMP. Casey Fleming, the president, reminded the capacity crowd how important it was to support your local organization. ( this chapter has the most members of any of the California Association of Professional chapters, and is very proud of that.) He also stated how important it is to be surrounded by your fellow professionals, which is very true. In my travels I have heard of a few tactics that help bring in new members to our trade organizations. One is to have a vendor give new members (and old?) a certain number of reports, or flood certs, or "whatevers" instead of sponsoring a lunch, therefore absorbing a good chunk of the yearly fees. Another is to remind members about how their incomes have increased this year versus last year, and contribute a small portion of that to their trade organization. Makes sense to me! And plenty of people and companies are making more this year. Hey, if you are a residential lender and can't make a lot of money in this environment, or an LO who isn't busy, you should consider doing something else with your time. (Basically, if you can't or loans now, when are you?) The MBA's members experienced the "a rising tide raises all boats" phenomenon. Earlier we discussed Freddie's status, and Fannie also reported that after a quarter of growth, Fannie Mae's total book of business remained essentially flat in October. Declines in both Fannie Mae's gross portfolio and in new business acquisitions brought the book's growth to a negative annualized rate of 0.03 percent, down from a positive rate of 0.4 percent in September. Year-to-date, the book's average compounded growth rate is 0.3 percent. In total, Fannie Mae's Book of Business was worth about $3.19 trillion at the end of the month, down about $90 million from September. The GSE also reported a decline in seriously delinquent single-family loans. The single-family serious delinquency rate fell from 3.41 percent in September to end October at 3.35 percent. Continuing on with large-scale books of business, Kate Berry with American Banker reported that "the Federal Home Loan banks are picking up where some of the nation's largest correspondent lenders left off. Six Federal Home Loan banks have been dramatically increasing purchases of home loans from their member banks and are selling the loans to Fannie Mae, filling the gap created by large aggregators like BofA that exited the correspondent lending business late last year. So far this year, the Federal Home Loan Banks of Chicago, Boston, Des Moines, New York, Pittsburgh and Topeka have purchased $13 billion of loans from member banks, almost double what they purchased in all of 2011. Nearly 800 banks are now participating in the program, up 15% from a year ago." (Editor's note: Combined, however, it is still a far cry from what a single top correspondent rep with a large bank investor might purchase, which is $1-2 billion per month.) And the income from the so-called " Partnership Finance Program," is enough to cover the program's costs. "More notably, the program provides a crucial service to member banks that want to continue to make home loans, says Eric Schambow, a senior vice president and director of the Partnership Finance program at the Federal Home Loan Bank of Chicago. 'We really want 30-year fixed-rate s to be available at community banks at a competitive price,' says Schambow. 'Our role is as an aggregator and our price point is just as good as selling directly to Fannie.'" Community banks, left high and dry by BofA, MetLife, Wells wholesale, TBW, etc., are flocking to the Home Loan banks because it allows them to take part in the current refinancing boom, interest rates that are competitive with large banks and offload the interest rate and prepayment risk to the Home Loan banks. The program has a twist: while banks pay Fannie and Freddie to take over a loan, Home Loan banks paid member banks a enhancement fee, typically between 7 and 10 basis points a year based on the unpaid principal balance of the loan, for retaining a share of the risk - like QM/QRM, "The big picture concept was that the actual lender making the decision should retain skin in the game, and the portfolios would have better performance," says Alex Pollock, a resident fellow at the American Enterprise Institute, who designed the program in 1997 when he was president and CEO of the Chicago Home Loan Bank." And the home builders are making money off the market. revenue jumped 70 percent in the third quarter, almost six times the revenue gain from home sales. A Federal Reserve program aimed at lowering borrowing costs by purchasing home-loan bonds has widened margins across the lending industry. The average gain-on-sale, which measures the difference between the rate pay and the rate paid by investors, has doubled this year on increased demand for the securities. The homebuilders are little players in the lending world, but they're seeing the wide margins that lenders are seeing. Two companies that aren't being helped by these great margins are Countrywide and IndyMac (originally bankrolled by Countrywide). Earlier IndyMac was back in the news when we saw three IndyMac LO's ordered to pay a large fine. (Good luck with the three coming up with over $150 million.) Now we are reminded of Countrywide: even after paying a $67 million settlement to the SEC and being banned from the industry Angelo Mozilo, founder and former president of Countrywide Financial Corp., still says his company made a loan "that we knew the borrower could not pay." Mozilo defended Countrywide in a deposition made last year in connection with a law suit by MBIA, Inc. against Bank of America (BofA) which bought Countrywide in 2008. The deposition was filed in the New York Supreme Court earlier . Mozilo said that he had no regrets about how he had run his firm, and denied that Countrywide had caused the housing crisis. "This is all about an unprecedented, cataclysmic situation, unprecedented in the history of this country. Values in this country dropped by 50 percent," he said. Perhaps the folks at BofA would beg to differ, with having spent an estimated $40 billion so far in trying to clean up "the Countrywide mess." Mozilo contends he only agreed to the $67.5 million regulatory settlement in 2010 to protect his family. Read: Mozilo Speaks up for Countrywide in MBIA Lawsuit: "We were a world-class company..." Time for some ever-present vendor, investor, and agency news issued recently! Earlier the commentary mentioned 97% LTV loans, and specifically with MGIC. It turns out that other MI companies, such as UG, also cover 97 LTV conventional products. UG, for example, has its guidelines. And as one UG rep wrote, "We insure for the GSEs and FHLBC along with all investors. In fact some of the FHLB's use UG exclusively." Franklin American has revised the Disaster Requirements section of the Correspondent Lending Manual to include conventional non-conforming jumbo properties in Presidentially Declared Major Disaster areas designated by FEMA as eligible for public assistance along with those designated as eligible for individual assistance. The FAMC Disaster County Detail Worksheet has also been updated to reflect which products are affected for each county; in counties that are eligible for individual assistance, all loan types will show up as Affected Products. For FHA loans in affected areas, correspondent lenders are required to comply with all of the requirements outlined by ML 2012-23, and the standard 120 day appraisal validity period will apply. California's Pinnacle has removed the two-year seasoning requirement and has added score overlays to the existing requirements for deed-in-lieu, pre-foreclosure, and short sale seasoning requirements. Fall Line Distance guidance has been added for all FHA loans and USDA borrowers with only one score are now ineligible. Additional guidance now applies to Enhanced DU Refi Plus products. M&T Bank has instated a new maximum insurable for streamline refinances, which are not permitted to exceed the outstanding principal balance minus any applicable refund of the UFMIP and plus the new UFMIP that will be charged on the refinance. This cannot include prepaids, closing costs, or discount points, and cash back to the borrower is capped at $500. SunWest's disaster policy is in effect for all properties in New Hampshire areas affected by Hurricane Sandy, which includes Belknap, Carroll, Coos, Grafton, and Sullivan Counties. Essent Guaranty has announced plans to implement its new Clear2Close Guideline Summary streamlined eligibility requirements, which will allow DU Eligible/Approve and LP Accept/Eligible loans qualify for by meeting four key criteria. All loans with suitable AUS findings will be considered eligible provided that they fall within the DTI-FICO parameters, aren't manufactured housing, comply with the Non-Permanent Resident Alien section of the Essent Underwriting Guidelines, and meet the Florida condo requirements if applicable. Clear2Close, which is scheduled to go into effect on January 3, 2013, eliminates Non-Retail Declining Markets designations and eligibility overlays and expands eligibility for certain delegated submissions, ARMs, Renovation Loans, Temporary Buydowns, high-LTV loans, co-ops, condos, second homes, and Non-Arms Length Transactions. Construction-to-Permanent transactions for loans over $417,000 will remain ineligible. Secure Settlements has announced that Peter Stevens, former Deputy Commissioner of in Utah, has joined its AB and that it has signed up Minnesota-based Traditional Capital as a warehouse bank, along with Traditional LLC, one of Traditional Capital's lender subsidiaries. The Colorado Lenders Association is now accepting applications for the Leadership Program, which will take place in Denver on January 3rd and 4th. Compliance issues, industry history, and legislative analysis are all on the agenda. The registration deadline is January 1, 2013; see http://carlylis.mutayeat.info/46569a49bba45bb726513b8cdebc66f8165de For those planning ahead, the CMLA's 22nd Annual Lenders Expo is scheduled to take place on April 4, 2013

SPAM email - Get Thinner by eating right and eating less

Assunto:Get Thinner by eating right and eating less
De:Eat Better Get Thin <BrooklynnDay@smtp3.togeeion.com>

Autolycus (areopagite), This article is an orphan, as no other articles link to it. Please introduce links to this page from related articles; suggestions may be available. (February 2009) For other uses, see Autolycus (disambiguation).Autolycus (4th century BC) was an Athenian areopagite who was accused by the orator Lycurgus on account of removing his wife and children from Athens after the battle of Chaeronea (338 BC) and was condemned by the judges. The speech of Lycurgus against Autolycus was extant in the time of Harpocration, but has not come down to us. References?This article?incorporates text from Popular Dr. Endorses this New product The Extract is the latest buzz in the ?battle of the bulge?. Since recently being studied on a popular doctor television show, millions of people are praising this so called ?miracleloss pill?. Surprisingly, many people who struggle daily with their weight have yet to hear about this powerful supplement. "Stop Hunger cravings and Get Thin". See the Dr's latest broadcast on the product What has me and the scientific community so excited about Saffron is that people don't have to do anything different when taking this food supplement. They don't need to exercise, and they don't need to diet; they just appear to lose pounds fast. Our website explains how this great product works Who are you to say its pointless? Homo Floresiensis is a part of the human story. I appreciate any efforts to learn more about them and how they relate to us. Remains can tell us a quite a bit about an organisms body so in this case the exact phylogeny of the specimen isn't needed. This is a study based on remains we've found. She not just pulling this all out of her ass. There is a very good possibility our ancestors interacted with floresiensis as they migrated out of Africa and into southeast Asia. Wouldn't you like to know what they might have seen? This offer brought to you by RET Shiller Group 1531 Eighty Fourth Street, Brooklyn, New York, 11228 For immediate redaction from the database of the email sender and the offer originator: Or you can use the above address to reach us with the same request by postal mail.

The coroner for Inner North London resigned after an inquiry into his decision to appoint his wife without fully checking her qualifications. Dr Andrew Scott Reid appointed Suzanne Greenaway as the assistant deputy coroner in July 2009. She oversaw singer Winehouse's inquest, ruling that the 27-year-old died from accidental alcohol poisoning. The new hearing is listed to take place on Tuesday 8 January at St Pancras Coroner's Court. Winehouse was found dead at her home in Camden, north London, on 23 July 2011. Qualified in AustraliaMs Greenaway returned a verdict of death by misadventure, in October 2011. During her time as deputy assistant coroner, Ms Greenaway conducted 12 inquests in Camden, including one in to Winehouse's death. Camden council could not confirm if the other 11 inquests Ms Greenaway oversaw in Camden would be reheld, saying it would depend on the families' requests. Ms Greenaway resigned in November last year because she had not been a lawyer in the UK for the required five years. Dr Reid stepped down from judicial office on 7 December 2012, before the disciplinary process by the Office for Judicial Complaints was formally concluded. Ms Greenaway qualified in Australia in 1999 and was a member of the Supreme Court there, but she had not worked as a lawyer for the required time in the UK. According to English law, she would have needed either five years with the Law Society or five years of experience as a qualified medical practitioner. She met neither criteria.

also see:   Letters from Santa

http://spam-correio-nao-solicitado.blogspot.pt/2012/12/spam-email-letters-from-santa.html