Did your mortgage holder auction your house off?

Did you learn that the high-bidder, maybe the only bidder was Fannie Mae?

Is there a reason to believe, if the Fannie Mae, the government-sponsored enterprise (GSE), had not purchased your home, your bank would not have been able to sell your home and would be more motivated to work with you on a loan modification?

Doesn’t this constitute another, secret way of bailing out banks while giving them all the incentive to kick you out of your home?

This post is open for your comments. Please feel free to write about your experience if you went through an unsuccessful loan modification attempt and got foreclosed only to find out the government-sponsored enterprise Fannie Mae now owns your house and wants you out ASAP.

What thoughts fill your head? Would you label them as positive, or negative?

Now let’s say you are walking down the street with these thoughts. Do you think anyone who would meet you would be able to tell you what’s on your mind?

The answer to number one is up to you. But, the answer number two can be pretty generic. Although people will not be able to tell you exactly what you think, they will more or less have an idea of how you are feeling.

Here’s another question. When you enter a party filled with friends, do they all fall silent as if something terrible had happened? Or does everybody there perk up as if waiting for something exciting to happen?

The answer to all these depends on your frame of mind.

Thoughts are very powerful. They affect your general attitude. The attitude you carry reflects on your appearance, too – unless, of course, you are a great actor.

And it doesn’t end there. Your attitude can also affect people around you.

The type of attitude you carry depends on you. It can be either positive or negative.

Positive thoughts have a filling effect. They are admittedly invigorating. Plus, the people around the person carrying positive thoughts are usually energized by this type of attitude.

Negative thoughts on the other hand have a sapping effect on other people. Aside from making you look gloomy and sad, negative thoughts can turn a festive gathering into a funeral wake.

A positive attitude attracts people, while a negative attitude repels them. People tend to shy away from those who carry a negative attitude.

We can also define attitude as the way of looking at the world. If you choose to focus on the negative things in the world, more or less you have a negative attitude brewing up. However, if you choose to focus on the positive things, you are more likely carry a positive attitude.

You have much to gain from a very positive attitude. For one, studies have shown that a positive attitude promotes better health. Those with this kind of attitude also have more friends. projecting a positive attitude also helps one to handle stress and problems better than those who have a negative attitude.

A positive attitude begins with a healthy self-image. If you will love the way you are and are satisfied, confident, and self-assured, you also make others are around feel the same way.

A negative attitude, on the other hand, has, of course, an opposite effect. So, carrying a negative attitude has a twofold drawback. You feel bad about yourself, and you make others feel the same way.

If you want to have a positive attitude, you have to feature healthy thoughts. This is probably very hard to do nowadays since, all around us, the media feeds us nothing but negative thoughts. A study shows that for every 14 things a parent says to his or her child, only one is positive. This is truly a saddening thought.

If you want a healthier outlook in life, you need to think happy thoughts, and you have to hear positive things as well. So, what can you do? Well, for starters, you could see a funny movie, you could play with children, spend some time telling jokes with friends. All these activities fill you with positive stimuli, which in turn promotes positive attitude.

Although it is impossible to keep ourselves from the negative things around us, you can still carry a positive attitude by focusing on the good things, the positive things in life.

And this positive attitude you now carry can be of benefit to other people. Sometimes when other people feel down, the thing people mostly do is try to give them advice. But sometimes, all they need is somebody to sit by them, and listen to them. If you have a positive attitude you may be able to cheer them up without even having to say anything.

If positive attitude is really great, why do people choose to adopt a negative attitude instead? One who carries a negative attitude may be actually sending a signal for attention. Feeling sad, angry, or gloomy is not wrong itself. But dwelling on these thoughts for far too long is not healthy either. There is a time to mourn.

As always, if you are beset by troubles, even in your darkest hour, focus on the good things in life, you will always have hope. Problems become something you can overcome.

You do not have much to lose by adopting a healthy, positive attitude. Studies show that such an attitude actually retards aging, makes you healthier, helps you develop a better stress coping mechanism, and has a very positive effect on all the people you meet every day. So, what’s not to like about a positive attitude? Adopt one today.

The Secret To Personal Power!

www.youtube.com/watch?v=LjMkNrX60mA

Alice in Wonderland is a 2010 fantasy adventure film directed by Tim Burton, written by Linda Woolverton, and stars Mia Wasikowska, Johnny Depp, Helena Bonham Carter, Anne Hathaway, Crispin Glover, Michael Sheen and Stephen Fry. It is an extension of the Lewis Carroll novels Alice’s Adventures in Wonderland and Through the Looking-Glass. The film uses a technique of combining live action and animation.

Alice in Wonderland (2010 film) -- From Wikipedia, the free encyclopedia

Check this hilarious book of Alice in Wonderland Quotes with phrases like “We’re all mad here” and 100 others. It’s great fun and it includes all the Alice in Wonderland stories as well. Read the book before seeing Tim Burton’s new Alice in Wonderland Movie.

More bad news on the housing bust front: Nearly 25% of all mortgage borrowers were underwater, meaning they owe more on their loans than their homes are worth.

…

For many homeowners, being underwater, also know as negative equity, has few consequences. If they’re not planning to sell and can afford their monthly bills, they can wait out the downturn.

For others, however, plunging underwater can spell disaster. If they become unemployed or have a financial emergency, they have no equity to tap. Or, if they need to downsize or sell their home to relocate for a job, they can’t.

Nearly 25% of all mortgages are underwater – CNNMoney.com

Don’t you find it amazing that almost everyone is blaming the poor homeowners for getting themselves in the situation they are in?

How about banks? I think it is way past time the banks share the burden and help the homeowners. After all they are the ones who offered to finance these houses that are now worth much less. They are the ones who came up with creative financing to get people in these houses. Banks are bigger and employ many smart people. If they did not foresee what is happening today with the market how could the homeowner have foreseen it. If it is homeowner’s fault to buy a home that lost its 25%-40% of value; why isn’t also the bank’s fault to finance that home? Whose fault is the current state of economy? If a homeowner is having hardship due to tough economy, why isn’t the bank willing to help and workout a loan modification?

It is time to fight back!

How?

Here is a great way to start: The 60-Minute Loan Modification

So what’s a struggling, over-leveraged, underwater homeowner to do?

Rockwood says, it’s time to stop doing the “responsible” thing, stop making payments, stop worrying about your FICO score—and do anything and everything necessary to get your lender’s attention now!

This means loan modification, short selling your home, or even using died in lieu of foreclosure to fix a bad situation fast.

Critics point the finger at Rockwood’s aggressive tactics claiming that reckless behaviors like these started this financial crisis in the first place—but Mike sees things differently.

The big banks got bailed out to the tune of trillions of dollars, but only a tiny fraction of that is being used to help the real victims of the economic downturn—the homeowners.

So smart homeowners are using street-fighting tactics to get in on the bailout money before it dries up. This means proactively pursuing loan modifications, short sales, and even chargeoffs of 2nd mortgages if needed to protect your family’s financial future.

“Everyone I work with is underwater,” says Rockwood. “Their income is down, their mortgage terms stink, and they’re drowning.” And with over 300,000 homes foreclosing each month, you’ve got to do more than just raise your hand if you want relief.

Here is what got my attention:

Loan modification expert author, Mike Rockwood, has renamed Obama’s “Making Homes Affordable Plan” the “Making Banks Profitable Plan.”

Yep, that’s exactly what our government is doing with our money!

Isn’t it time we get some of our own money back? Let’s get our money back without giving more of it to “consultants”, lawyers and hucksters.

Yes, you can take on the bank yourself!

More people qualify than don’t for loan modifications. As long as you can demonstrate some real financial hardship and a real risk of defaulting on your loan, there’s an excellent chance you can knock 5 or even 6 figures off your total mortgage expense and whack a huge chunk off your monthly payment-simply by asking the right questions!

Basic Loan Modification Qualifications:

• Must have a real hardship (loss of income, death in family, etc)
• Must have a debt-to-income ratio of 31-50% (but as high as 79% are still approved)
• Must have a loan that is at least 9-12 months old
• Must have an income source that can reliably & realistically allow you to make modified payments (if you’re unemployed, you’re in trouble)

Order The 60-Minute Loan Modification. It comes with 100% Iron-Clad Guarantee.

It’s a fact that it is much easier to make money now than it has ever been. And the reason is the internet …

The internet enables ANYONE to set up their “shop” (website) for very little cost. You DON’T need to pay for a physical office or shop. Your market is NOT restricted to just those people in your local community who happen to walk past your shop. You can sell products or services 24 hours a day, 365 days a year, to the WHOLE on-line world. It doesn’t matter WHO you are or WHERE you live.

But you need technical knowledge to be able to set up a commercial website that is capable of processing customer orders (or you need to pay someone else a lot of money to do it for you). And if you don’t get any traffic (visitors) to your website you won’t make any sales, no matter how good your website is. And as the internet expands and develops, getting traffic to your site is becoming more and more COMPLICATED and EXPENSIVE to achieve.

But eBay REMOVES the two main problems of starting up an internet business by providing you with a ready-made commercial website AND as much traffic as you will ever need! And eBay makes it so easy that anyone, regardless of their technical ability, can set up a FREE eBay account with just a few mouse clicks – all they need is access to a computer connected to the internet.

But whilst it’s very easy to set up an eBay business, it’s NOT so easy to set up a SUCCESSFUL and PROFITABLE eBay business. Many have tried – and failed – to make a living on eBay. And of those who do make a living on eBay – many are, in effect, working FOR eBay by generating lots of eBay fees – often earning LESS than the minimum wage because they work LONG hours listing and fulfilling their orders.

But it doesn’t have to be that way. It IS possible to set up and run an eBay business that MAXIMIZES your income while MINIMIZING your effort. Maximizing your income will give you a HIGH standard of living. And minimizing your effort will give you a HIGH quality of life. All you need is someone to SHOW you how.

So if you are thinking about starting an eBay business, or you already have an eBay business but aren’t getting the results you desire yet, then I have the answer for you …

Before he set up his own eBay business, Martyn Boaden spent a small fortune acquiring EVERY ebook, CD and DVD that he could find on making money on eBay. But Martyn didn’t just want to make a living on eBay – he wanted to make lots of money for very little effort!

So he also studied the “secrets” of Direct Response Marketing which many, MANY ordinary people used to quietly amass huge fortunes, long before eBay – and even the internet – were ever dreamed of. Incredibly, most of the authors of all those ebooks that he read didn’t seem to know anything about these direct response marketing secrets, even though eBay is the PERFECT market to apply them to.

He spent months and months applying and testing everything that he learned to discover what does – and what doesn’t – work on eBay today to maximize his income while minimizing his effort.
And fortunately for us, he has crammed all that research he did in to “The Lazy Way To Wealth On eBay” which must be the most comprehensive eBay Business Manual that I have ever seen!

It doesn’t just include EVERY single hint, tip, secret, strategy and tactic (that actually work) from all those ebooks, CDs and DVDs. It also includes the Direct Response Marketing secrets that work so well on eBay.

So now EVERYTHING you need to know to set up and run a SUCCESSFUL and PROFITABLE eBay business to maximize your income while minimizing your effort today is packed in to one convenient resource. And you can get INSTANT ACCESS to it all for an INCREDIBLY SMALL investment.

To find out more, just click on the link below …

Lazy Way To Wealth On eBay

Oh, and I nearly forgot … “The Lazy Way To Wealth On eBay” is backed by a 60 Day No Quibble Money Back Guarantee. So you really do have nothing to lose by downloading your copy TODAY.

Lazy Way To Wealth On eBay

If you think turning devices off extends battery life, you are wrong. Devices consume more power when they are starting up, so turning them off is not such a good idea if they are going to be switched on frequently.

Cars and Other Automobiles

Have you wondered why newer cars have their batteries in the wheel well or in the trunk? Relocating the battery outside the engine compartment increases its life by almost eight months. Car manufacturers are relocating the battery to avoid under the hood temperatures. It also helps to use wet batteries vented to the outside or cells that do not produce gas when recharged. If you have a car with a battery under the hood, it is important to protect it from high under the hood temperatures with the use of a case or a heat shield. The battery life can be extended by keeping the battery charged at all times. Electrolyte levels will have to be checked frequently during the hot months. Based on the driving of each individual, some batteries are undercharged and this leads to sulfation, where lead sulfate gets accumulated, reducing the battery capacity. An external battery can be used for charging.

For any battery, the most important factor to consider is the temperature. Ensuring they are not exposed to too much heat can extend the life of a battery. It is common sense that high temperatures lead to faster chemical reactions. They need to be watered more often with only deionized or demineralized water. However, rain water is a good substitute in an emergency. In addition to the temperature, a reduction in the number of discharge/charge cycles significantly improves battery service life. In extremely cold climates, the car battery needs to be continuously kept fully charged when not in use.

Portable Electronic Devices

Battery life can be increased for iPods, cell phones, laptops etc. by lowering the brightness when not necessary. For example, when using these devices in a dark room, it is not necessary to set the brightness to 100%. The brightness can be lowered enough so that the screen can be seen without exerting any strain on the eyes can be done. The amount of time the backlight stays on can also be decreased. For iPods it doesn’t have to stay on for 10 seconds, 2 seconds should be good enough. Laptops can be set in hibernate mode when not in use.

One most important point that not many people are aware of is that turning down the volume increases battery life. Use headphones that are louder and leave the volume at 50%.

Background applications are power hungry monsters. Stop everything that is not being used. Defragmenting the hard drive once in a while helps decrease file scatter on the hard drive and uses up less power. Send the computer into standby mode after a certain period of inactivity as it conserves battery. Although, standby resume also uses some power but not as much as starting up. Interestingly, leaving a CD or DVD in the drive can decrease battery life, as it hogs power whenever the drive spins up.

In Wi-Fi Applications

Battery life in Wi-Fi apps can be prolonged by either increasing battery capacity or reducing Wi-Fi product power consumption and through control methods. It is easy to increase battery capacity; however, due to technological limits, it may lead to an increase in cost and size of the battery. That brings us to the option of reducing power consumption, which can be done by prolonging the standby time and shortening the time of the active cycle. You can also turn off the WiFi on the iPod when not in use as it consumes a large amount of life.

These techniques of low power consumption can improve battery life dramatically. Most of them are common sense usage techniques and can easily be made part of our daily lives.

Guide to Reconditioning Old Batteries

By Rob Poulos, Fat Loss & Fitness Expert & Creator of Fat Burning Furnace

By now, most people realize that adding lean muscle mass to your body does wonders for your metabolism and fat loss, as well as a host of other benefits that allow you to live out your life as healthy as possible.

Unfortunately, most people I see performing weight training or resistance training at the gym are spending too much time with the exercise and not working hard enough. They’re not going to burn very much fat this way.

The secret I’ve found is that training for lean muscle and strength requires the proper application of three vital elements that are often ignored by those who attempt it. Those three elements are:

-Intensity

-Volume & Frequency

-Progression

The intensity is how hard it is to perform for you, given your current condition. The volume and frequency are how much and how often you perform the exercise. The progression is related to how much the demands increase from workout to workout.

Most times, weight training, is carried on for too long and performed too many times per week. It is unfortunately treated much the same way as so-called fat burning aerobic exercise. But they are vastly different forms of exercise. In fact, they’re complete opposites.

Aerobic exercise typically is characterized by low to moderate intensity, high volume and frequency, and little progression. Anaerobic exercise, or weight training, must be performed at a high intensity, lower volume and frequency, and with progression to be as effective as possible.

No amount of weight training performed at a low or moderate intensity will provide significant muscle or strength building benefit beyond the first few weeks. On a high level view, it is simply the combination of sufficient intensity, coupled with attempting to increase either the number of repetitions of a weight training exercise or the amount of weight used each and every workout that will keep your body evolving into the ultimate fat burning machine!

You also have to pay attention to other details when creating an effective and efficient routine to maximize your workout and minimize your time spent in the gym. Why? Because perhaps even more important that the workout itself is the rest period that follows. You’re not going to get stronger or more muscular if you don’t rest.

You see, when you strength train properly, you are creating tiny injuries to your muscles. You then have to let the body repair itself, and then overcompensate and build upon the already existing amount of muscle mass you have. If you workout again before that process in completed, you’ll experience lackluster, if any, muscle building or fat burning results.

So make sure to get proper rest between workouts, which typically means a minimum of 1 to 3 full days of rest between properly executed resistance workouts.

Now upon hearing the idea that you’ve got add muscle to your body to ensure the maximum fat burning environment, a lot of people, women especially, start thinking, “But I don’t want to get bigger, I want to lose weight!” But this is such a shame, because it’s very unlikely to happen, and countless women are losing out on these fat burning benefits because of it.

You see, most men and almost all women simply lack the necessary genetic traits required to produce such muscle gains that would cause them to look bulky or overly-developed to most people. These traits include testosterone levels, muscle fiber makeup, muscle belly length, and others.

Those competitive bodybuilders you’ve seen on TV and in the magazines are the genetic cream of the crop for muscle development and they are typically on heavy doses of anabolic steroids, growth hormone, and other bodybuilding drugs. Don’t be fooled by these images, or those that scare you into thinking this way. Also, lean muscle is more compact that fat, as it takes up less space in your body, so you will actually be getting smaller when replacing the fat on your body with lean muscle.

Please understand that you’re putting yourself in the best position to succeed with your fat loss and fitness goals when you perform properly conducted intense resistance training, no matter who you are.

But make sure you understand and apply the three critical principles I discussed above. If you don’t, you’ll ultimately be unhappy with your results, both in your ability to burn fat and realize the lean, strong, and healthy body you deserve.

Claim your free copy of Rob Poulos’s “7 Secrets Of Permanent Fat Loss & Fitness” at his website: FatBurningFurnace

By Rob Poulos, Fat Loss & Fitness Expert & Creator of ‘Fat Burning Furnace’

As a member of a popular fitness center for a few years, I noticed countless others frustrated with their fat burning exercise routines and eating practices, working so hard and long but with virtually no improvement to show for it.

Several of my own friends and relatives would mention this new program or product they had just shelled out cash for that was the answer to their fat loss or fitness goals. They were so excited about it and couldn’t wait to get started.

Then, a few weeks later, the same happy-go-lucky people that were once jumping with joy about their new plan to burn fat and get a new body became downright discouraged. It was hard to watch.

I’d ask them how their fat burning plan was working and they’d tell me that it seemed pretty good at first, but they didn’t get the results they were expecting or they felt were promised. They quickly became tired of following the daily workouts and found following the strict eating guidelines almost maddening at times. So they hopped onto the next plan.

Even worse, they became so frustrated with following these so-called exercise gurus’ programs, that they fell even deeper into unhealthy eating habits once they stopped the program. Binging became their only form of satisfaction. Forget about maximum fat burning, and talk about moving in the wrong direction.

What’s worse is that all of these people were following the typically recommended exercise and fad diets that were all the rage. They were doing what everyone else was doing to burn fat fast.

After speaking with many of these friends and inquiring about their exercise routines, I noticed one common theme that kept popping up in our discussions…they were focused on the short term…their approach was wrong. They weren’t thinking of lifelong health and fitness, but instead they were thinking about burning fat and getting in shape for “swimsuit season”.

More specifically, they were also performing their exercise in a less than optimal manner. And then I noticed this with many others at the fitness center I worked out in. They just seemed to lack the fire or intensity in their fat burning workouts which I knew could turn their programs from nothing to something literally overnight.

But you know, you can hardly blame them, and you certainly shouldn’t blame yourself if you’ve fallen into the cycle of fad exercise and diet programs. We all want to achieve what we know in our hearts we’re capable of so badly, and that’s why we’re such easy prey to this “get fit quick” mentality.

Most people are approaching health and fitness in the exact opposite way that they should be, and they’re not going to burn fat because of it. If you continually think of using exercise and nutrition as ways to lose a couple of pounds, or get in shape for summer, you’re going to be disappointed with your results.

If you think of exercise, nutrition, and rest as separate things, you’re going to be disappointed with your fat burning and fitness results. If you think you need to spend hours a week in the gym or adhere to some strange unnatural eating strategy, you’re going to be disappointed with your results.

What all of these approaches will do, is put you into the fat burning and fitness cycle of confusion that so many are stuck in these days. If instead, you choose to forget what you thought you knew, and start off with the right approach, the approach that focuses on making changes in your lifestyle long term, you’ll instantly improve your results by 1000%.

When your approach includes combining proper exercise that takes very little of your time, nutrition the way nature intended you to eat that is simple to understand and follow, and the rest and recovery that is vital to lifelong vitality and energy, you’ll experience an awakening of both body and mind. Plus you’ll burn more fat, too.

If you choose the path most often taken by those looking to improve upon them selves, you’ll most likely end up like most of them. Confused, frustrated, unhappy, burnt out, injured, sick, or worse. Did I mention very unhappy with their fat burning progress as well?

Instead, you can choose to embrace a lifestyle that includes brief, progressive, and intense resistance training, eating a diet full of nutrient rich foods, drinking tons of water, and getting plenty of quality sleep and rest. But know that when you do so, you’ll be joining the select few who understand that one of the true secrets to life long fat burning and fitness is not found on a fad diet or in a bottle on the shelf of your local health store.

Claim your free copy of Rob Poulos’s “7 Secrets Of Permanent Fat Loss & Fitness” at his website: FatBurningFurnace

Rob Poulos is a celebrated fitness author, fat loss expert, and the founder and CEO of Zero to Hero Fitness. Rob created the world’s most efficient method for fast and permanent fat loss with his “Fat Burning Furnace” system to help those looking to put an end to restrictive fad diets, long boring cardio workouts, and the need for super-human willpower for good.

If you’re thinking about using the Fat Burning Furnace system yourself, but still have a few questions, make sure you visit the Frequently Asked Questions page.

Also, it may help to read about the success stories of others like you to see how people in similar situations have changed their bodies and their lives with the techniques in FBF.

But you may become anxious to get started on your new body right now, so you can also click the banner below to get started right now. Remember, you have a full 60 days to decide if it’s right for you. If not, just email me and we’ll issue you a full refund and I’ll thank you for trying it out…it’s that simple!