How To Reduce Your Mortgage Payments, Stop Foreclosure And Get A Loan Modification #calculate #home


#mortgage modifications

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Loan Modification is the most effective tool you can use if you are facing a financial hardship and are having a difficult time making your mortgage payments. When successfully negotiated, your loan is restructured so that is more affordable and will fit your budget. This is accomplished by either reducing the interest rate, reducing the principal balance or a combination of both. The terms of your loan can also be increased, from say 30 years to 40. In addition, if you have any late fees they can also usually be waived or added on to the loan balance – a home saver if you are a couple months behind and would not be able to come up with the money!

The bottom line – a good mortgage modification will allow you to afford your mortgage payments and help you avoid foreclosure.

Can you do this yourself?

Sometimes! BUT, do you want the best results possible? You have to realize that your lenders loss mitigation departments are trained to get the most money out of you that they can. You cannot just call them and expect to get the lowest interest rate possible! (Contrary to popular belief, this is 1%, not 2%).

Many homeowners have successfully negotiated their own terms, but you must understand that there is a ton of work involved. In addition to preparing the huge stack of paperwork you need to send into the bank, you must also diligently follow up with the bank on a weekly basis. You must also be prepared to continuously send in the same paperwork over and over again (I.E. your last 2 months bank statements, current tax returns, etc.) as your lender will likely lose it. Anyone who has worked on a loan mod can vouch for this.

Lenders are so backed up with files right now, even if you do make through the mess and get a mod approved on your own, chances are it won’t be as good as if you hired an experienced modification company/attorney to negotiate for you. But, if you are willing to do it yourself, just be prepared for all the work that is involved. It’s like having a part time job.

When To Consider Getting Help

On the other hand, there are many professionals who have worked extensively with various lenders and know what the process entails, how the system works and how to get you a payment that is going to help you. By this, I mean an agreement between you and the bank that actually lowers your monthly payments so you can comfortably afford them. Many mods end up with homeowners having to pay higher mortgage payments than before (as is the case when an interest only loan goes to a 5% interest loan) and that really isn’t going to help someone who is struggling to make the current payments, is it?

When you use a loan modification company to negotiate on your behalf, you will have to pay a fee. However, often times this fee will pay for itself in your mortgage payment savings over just a few months time. Negotiators also know how to put a complete packet together according to your lenders guidelines to speed up the process. Remember, time is of the essence! PLUS, these companies can perform these services before you pay any fees. so there is no risk to you. This is due to the recent law changes by the government to stop companies from charging upfront fees before a loan mod has been completed (accepted by the lender).

To learn if you are a candidate for a modification. what payment changes you can expect, how long it will take and more just call toll free 888-766-3693.

Many times, the companies we have reviewed can help you even if you have been denied loss mitigation help in the past. Especially, if you were denied trying to do it yourself. More often than not, homeowners just call up their lenders and say they need lower payments. They are transferred to the loss mitigation department and are asked a series of questions… one wrong move here and you are denied. That’s why it’s very important to go over all your financial information and make sure it fits into the guidelines before you contact your lender for help.

Be careful! There are many scammers out their trying to prey on the misfortune of others. Don’t let this be you. Can you imagine paying a company to do your loan mod and then finding out months later that they did nothing and you are losing your home. This happened much more frequently in the past then currently (2012), but it can still happen.

We have compiled a short list of reputable mortgage loan modification companies that have completed many successful mods on the homeowners behalf and can show you examples of these as well. This is crucial when choosing the right company. Do you want a “specialist” who has attempted a couple loan mods out of their apartment or a reputable company who has hundreds or even thousands of homeowners? Call and ask them for examples from your specific lender! See what they have obtained for others in your situation so you can know roughly what to expect. Every situation is different, but this should give you an idea of what to expect. The calculator to your right can also tell you what to expect and if you are a good candidate for these programs .

A reputable company will pre-qualify you before they take you on as a client. They know what the lenders require and will only take on clients they can help.They can guide you in the right direction if these programs are not going to be a good fit for you.

All of the companies we have reviewed can provide you with information on their business, i.e. their credentials and referrals from previous clients. The companies who use attorneys can also give you information on them so you can do research and make an informed decision. Just ask them!

Special Note: Beware of TV and radio ads for mortgage modification. Many times, these are just generic ads run by lead generation companies. They route your calls to whoever pays them for leads, so who knows who you will talk to when you call! The sites we reviewed are maintained by the actual companies and only they will call you back. You WILL NOT get bombarded with 15 phone calls from 15 different companies if you fill out their contact forms like other websites out there!

Here are the latest loan modification companies we have reviewed:

As with any important decision, it is always best to speak to with different parties and get each ones individual opinion and advice. We recommend you contact these companies and ask them questions you have prepared about your specific situation.

To See If You Qualify For A Mortgage Loan Modification, Call 866-766-3693 to speak with an experienced modification counselor or fill out the form below to see if you are a candidate for a loan modification.


FHA Home Affordable Modification #mortgage #loan #modification


#mortgage modifications

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FHA Home Affordable Modification

There may be other modification options to assist you. Call us to discuss your options.

If we can’t find a home retention option that works with your budget, you may need to consider options that involve leaving your house. If the current market value of your house is less than the amount remaining on your loan, you may be able to sell your property in a short sale. The Federal Housing Administration (FHA) has a short sale option that provides a streamlined approval process and financial assistance to help you relocate. By working with us and completing a successful short sale, you may rebuild your credit sooner than if your home gets foreclosed.

There are no fees and no minimum credit score requirements with this program. however you will be responsible for certain costs, expenses and fees associated with the servicing of your loan such as foreclosure attorney fees, etc. These were incurred by you before you entered into the FHA Home Affordable Modification Program. When your FHA Home Affordable Modification becomes final, all prior late charges will be waived.

Footnote 1 These eligibility requirements are informational and are not intended as a commitment to modify your home loan nor is this an exhaustive list of the parameters of the Program.

Footnote 2 This calculation is for informational purposes only, is based upon unverified information you provided at our website and should not be construed to mean that you qualify or do not qualify for a home loan modification. We are required to consider other factors in assessing whether you qualify for a home loan modification.

Now that I am in the process, what is next?

I have called and requested a FHA Home Affordable Modification.

When you call us to request an FHA Home Affordable Modification, we will review your situation, confirm that you meet the requirements for this program and then send you a financial information packet.

Throughout the process. you’ll be paired with a Customer Relationship Manager who will answer any questions you may have and help guide you through the steps you’ll need to take.

I have requested an FHA Home Affordable Modification.

When you receive the financial information packet, you will need to complete the enclosed forms and provide all the documents listed for you. Be sure to sign and return your completed forms and documents to us as soon as possible.

Within five business days of receiving your financial information packet, we’ll send you a letter to let you know if any documents are incomplete or missing.

Once we’ve received all of your required documents, it will take 30 calendar days to complete the evaluation process on your request and notify you of our decision.

Other modification options may be available. Or call us to learn more about your options.

If we can’t find a home retention option that works with your budget, you may need to consider options that involve leaving your house. If the current market value of your house is less than the amount remaining on your loan, you may be able to sell your property in a short sale. The Federal Housing Administration (FHA) has a short sale option that provides a streamlined approval process and financial assistance to help you relocate. By working with us and completing a successful short sale, you may rebuild your credit sooner than if your house gets foreclosed.

I have made all my payments during the trial period.

If you successfully make your Trial Period Payment Plan payments during the trial period and your financial circumstances have not changed, you’ll be approved for a permanent modification of your loan. You must continue making your Trial Period Plan payments until you receive a letter and Modification Agreement from us this may be longer than three months.

Each payment must be made in the amount of your Trial Period Plan payment and in a timely manner until you receive this agreement and your modification has been officially made permanent.

If you’re unable to successfully complete the trial period to get a permanent modification of your home loan and your loan is not eligible for other programs, you may need to consider options that involve leaving your house.

If your house is currently worth less than the amount remaining on your loan, you may be able to sell your house in a short sale. If your loan is insured by the Federal Housing Administration (FHA), you may qualify for the FHA’s short sale option. which may include financial assistance to help you relocate.

I have made all my payments during the trial period.

If you successfully make your Trial Period Payment Plan payments during the trial period, you’ll be approved for a permanent modification of your loan. You must continue making your Trial Period Plan payments until you receive a letter and Modification Agreement from us this may be longer than three months.

The Modification Agreement you receive from us defines the changes to your home loan. This agreement must be signed, notarized and returned to us before your modification becomes permanent.

We strongly encourage you to continue making your monthly mortgage payments at least in the amount of Trial Period Plan payments until you receive this agreement and your modification has been officially made permanent. Not staying current on your monthly mortgage payments could negatively impact your credit.

Bank of America, N.A. Member FDIC. Equal Housing Lender Opens in a new window
Bank of America Corporation. All rights reserved.

In order to provide proof of income, you ll need to submit documentation for everyone listed on your home loan. Please be sure to send photocopies of your documents DO NOT send originals. You ll need to submit any of the following that apply:

  • If you are a salaried employee, your most recent pay stub
  • If you are self-employed, a completed profit/loss template (which can be found in your financial information packet)
  • Other income (such as social security, disability, death benefits, pension, adoption assistance, public assistance, or unemployment) along with a benefits statement or letter from the provider that states the amount, frequency and duration of the benefit
  • Income from alimony, child support or separation along with the divorce decree, separation agreement or other written agreement filed with the court
  • Rental income, along with a signed letter detailing information about the property and the amount of rent you have received
  • Non-wage income (part-time employment, bonuses, tips and investment income), if more than 20 of total income, requires copy of documentation describing the nature of the income (for example, an employment contract or printouts documenting tip income)
  • Proof of homeowners/condominium association fees

*You are not required to disclose child support, alimony or separation maintenance income, unless you choose to have it considered.

Advertising Practices

We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

Here’s how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that’s customized to meet specific interests you may have.

If you prefer that we do not use this information, you may opt out of online behavioral advertising. If you opt out, though, you may still receive generic advertising. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.

Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. These ads are based on your specific account relationships with us.

To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs .


ING DIRECT, banco online sin comisiones – People in Progress #mortgage #calculations


#ing orange mortgage

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Triplica tus ganas de Bolsa

Hasta el 31 de octubre, tienes 3 grandes motivos para invertir con Broker NARANJA: 50€ de regalo por tu primera compra o traspaso, 3 meses sin comisiones de compraventa y un 1% de abono al traspasar tu cartera.

Sin comisiones, sin condiciones

Nuestra Cuenta NÓMINA está pensada para hacerte la vida más sencilla. Con tarjetas gratuitas, transferencias gratis en el mismo día y la facilidad de hacer todo lo que quieras desde tu móvil.

Cero comisiones, cero ataduras

Pedir un Préstamo NARANJA sin ser cliente de ING DIRECT no es infidelidad a tu banco. Contrátalo ahora, sin ataduras y sin necesidad de traer tu nómina.

Tu Cuenta N MINA, sin papel

Sin comisiones, sin condiciones… ¡y ahora también sin papel! Abre tu Cuenta NÓMINA de forma rápida y sencilla desde tu móvil u ordenador y empieza a disfrutar de todas sus ventajas: tarjetas gratuitas, transferencias sin coste en el mismo día, descuentos en Shopping NARANJA…

Cambio de moneda online

¿Te vas de viaje y necesitas cambiar de moneda? Ahora, como cliente de ING DIRECT, puedes hacerlo cómodamente de forma online y recibir el dinero en casa en solo unos días.

Informaci n sobre cajeros

Seguramente ya has podido comprobar que la forma de sacar dinero en los cajeros de nuestro país ha cambiado en 2016. Por eso, nos gustaría explicarte la situación actual e informarte sobre cómo puedes seguir sacando dinero sin pagar comisiones en más de 44.000 cajeros.


Everyday banking with no monthly fees – Orange Everyday – ING DIRECT #what #is #the


#ing orange mortgage

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Orange Everyday

Important Information

Information and interest rate is current as at and is subject to change.

ATM Rebate Offer for Orange Everyday Customers
The ATM Rebate offer will apply for the next calendar month when a deposit of at least $1,000 from an external bank account is made to any personal ING DIRECT account in your name (excluding Living Super) by the last day of the preceding calendar month. The ATM fee charged by the ATM operator is rebated immediately following the transaction. The ATM Rebate offer may be changed or withdrawn at any time at ING DIRECT’s sole discretion.

(The claim that we have paid over $10 million in ATM fee refunds is calculated by taking into account ATM fee refunds paid in 2015 in respect of customers who had met the conditions for the ATM Rebate Offer for Orange Everyday Customers and customers who were entitled to use any ATM in Australia for free because they had an ING DIRECT issued home loan.)

Savings Maximiser
The additional variable rate can only apply when you also have an Orange Everyday. The additional variable rate currently 1.00% p.a. (that is added to the Savings Maximiser standard variable rate) applies on one Savings Maximiser per customer for a calendar month when you make a deposit of at least $1,000 from an external bank account to any personal ING DIRECT account in your name (excluding Living Super) by the last day of the preceding calendar month. Any amounts above $100,000 are subject to the Savings Maximiser standard variable rate applicable at the time. If you do not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. ING DIRECT can change or withdraw the additional variable rate at any time. The additional variable rate is not payable in conjunction with any other promotional rate.

Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to Orange Everyday you should read the Orange Everyday Terms and Conditions booklet and Orange Everyday Fees and Limits Schedule. To view these documents you may need Adobe Acrobat. Orange Everyday is issued by ING Bank (Australia) Limited.

BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518. iPhone and Apple are trademarks of Apple Inc. registered in the U.S. and other countries. Google play is a trademark of Google Inc. Windows Phone is a trademark of Microsoft Inc. registered in the U.S. and other countries.

Testimonials appearing on this site were obtained from customers as part of the ‘Tell Isla’ campaign from https://www.campaigns.ingdirect.com.au/isla/ (no longer accessible) in May-June 2015. They are individual experiences of customers that have used our products and/or services. We do not guarantee that they are typical results that consumers will generally achieve. Testimonials are not necessarily representative of all those who will use our products and/or services.

Help and Support
Rates and Fees
Tools and Calculators
Mobile banking
Contact Us
Connect with Us

ING DIRECT is a division of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

For information about the Australian Government Deposit Guarantee, click here. ING DIRECT Living Super (which is part of the ING DIRECT Superannuation Fund ABN 13 355 603 448) is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153.

Important Information

Information and interest rate is current as at and is subject to change.

ATM Rebate Offer
The ATM Rebate offer will apply for the next calendar month when a deposit of at least $1,000 from an external bank account is made to any personal ING DIRECT account in your name (excluding Living Super) by the last day of the preceding calendar month. The ATM fee charged by the ATM operator is rebated immediately following the transaction. The ATM Rebate offer may be changed or withdrawn at any time at ING DIRECT’s sole discretion.

Savings Maximiser
The additional variable rate can only apply when you also have an Orange Everyday. The additional variable rate currently 1.00% p.a. (that is added to the Savings Maximiser standard variable rate) applies on one Savings Maximiser per customer for a calendar month when you make a deposit of at least $1,000 from an external bank account to any personal ING DIRECT account in your name (excluding Living Super) by the last day of the preceding calendar month. Any amounts above $100,000 are subject to the Savings Maximiser standard variable rate applicable at the time. If you do not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. ING DIRECT can change or withdraw the additional variable rate at any time. The additional variable rate is not payable in conjunction with any other promotional rate.

Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to Orange Everyday you should read the Orange Everyday Terms and Conditions booklet and Orange Everyday Fees and Limits Schedule. To view these documents you may need Adobe Acrobat. Orange Everyday is issued by ING Bank (Australia) Limited.

BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518. iPhone and Apple are trademarks of Apple Inc. registered in the U.S. and other countries. Google play is a trademark of Google Inc. Windows Phone is a trademark of Microsoft Inc. registered in the U.S. and other countries.

Testimonials appearing on this site were obtained from customers as part of the ‘Tell Isla’ campaign from https://www.campaigns.ingdirect.com.au/isla/ (no longer accessible) in May-June 2015. They are individual experiences of customers that have used our products and/or services. We do not guarantee that they are typical results that consumers will generally achieve. Testimonials are not necessarily representative of all those who will use our products and/or services.


Mortgage Marketing – Website Design, SEO, PPC, Copywriting, and Social Media for the Mortgage Industry


#mortgage marketing

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Mortgage Marketing Design

Gateway Bank Mortgage

  • Gateway Mortgage Reverse Division

  • Kelly Decker at First United

  • Mid America Mortgage

  • Gateway Bank: Reverse Division


  • Companies We Work With

  • Gateway Bank Mortgage

  • Mid America Mortgage

  • Coastal Lending Group


  • Our Expertise

    In depth Knowledge of the Mortgage Industry
    Nat, our company President, was previously the Marketing Director for a large mortgage broker that served customers in 26 states and generated almost all of its leads through its own websites. Anna, one of the other partners at ILM Marketing, was the Compliance Manager at the same company. We have an in-depth understanding of what works for lead generation, content marketing, SEO, PPC (pay per click), and web site development in this highly competitive space and highly regulated industry. Give us a call today at 910-547-6910 to find out how ILM Marketing can help you improve your search engine rankings, build authority, and generate leads online.

    Have Questions?

    Give us a call today at 910-547-6910 to find out how ILM Marketing can help you improve your search engine rankings, build authority, and generate leads online.

    Web Site Design Management Services

    ILM Marketing custom builds sites for large national mortgage companies down to individual loan officer websites. We listen to our clients needs and build sites around their goals, whether it s lead capture, educational, or both. The cost for sites depends upon the number of pages, revisions, CRM integration, and other variables. We do not currently offer any templated websites. We can however create a site and duplicate it for multiple branches and/or loan officers.

  • Gateway Bank Mortgage

  • Gateway Mortgage Reverse Division

  • Kelly Decker at First United

  • Mid America Mortgage

    How We Help Market Your Mortgage Company Online Off

    Writing for the search engines and the end user can be a bit of a juggling act. It used to be that you could cram a bunch of keywords into your pages, get a handful of links, and boom, you ranked. That’s not the case anymore. Now more than ever good content is king and it is a necessity for not landing in Google’s doghouse. A bunch of thin blog posts or pages could result in a Google Panda penalty and wipe out your traffic overnight.

    So, why use us for your mortgage copywriting needs? First, we understand the industry. We’ve worked in it, we have multiple clients in the space who we write for, and we have a good idea of what could lead to a compliance nightmare down the road. We have three awesome copywriters, all who were English Majors, that work in our office. Not India. Not the Philippines.

    Mortgage Pay Per Click Management

    If you have an existing site, you’ve likely tried Adwords at some point in time only to realize what a waste of time and money it can be. When set-up properly, Adwords and Bing Ads can work tremendously. Our clients have spent thousands of dollars a day and generated leads at a fraction of what they would pay purchasing online leads (plus they are exclusive leads from someone who has visited your site and requested information directly from you). It’s all about setting up the campaigns the right way, measuring results, and making tweaks without having to spend 50 hours a month managing every last keyword. Both Google Adwords and Bing Ads have come a long way over the years and there are some great tools at your disposal for helping you find your target market and eliminate wasted clicks and money.

    Social Media Marketing for the Mortgage Space

    Let us start by saying that you can spend lots of time and energy trying to generate mortgage leads via social media and you will drive yourself bonkers (we know, we’ve already tried it). You’re a mortgage company and, no offense, you are not as interesting as Justin Bieber. We’re not saying “don’t do social media”. We just think our mortgage clients need to a have a plan and realistic expectations about what it is going to do for them. You can accumulate Facebook likes, push out content through Twitter, and pin photos of properties in Pinterest all day long and you’re not going to see many leads as a direct result. However, using social media can help you build authority in your space (think Google +), accumulate inbound links, and show the search engines that you are actively pushing out great content. Hopefully all of these elements will give you a little bit of a boost over your competition. We have experience marketing mortgage companies on: Facebook, Twitter, Tumblr, StumbleUpon (which we don’t recommend for this space), Pinterest, and Linkedin.

    Local Mortgage SEO

    SEO stands for search engine optimization. It involves many different elements including writing great, unique copy, having strong meta tags and descriptions, optimizing site speed, inbound and internal link management, and much more. Whether you’re looking for assistance developing the architecture of your site or simply need a site audit done to help you identify areas for improvement, we can help. If you have a limited footprint and only focus on a single market we can also help you with Local SEO. You’ve likely noticed that the Google Places and Google Plus Local Listings have been dominating more of the search result pages in recent years. There are techniques and actions we can use to help you improve your chances of showing up in these areas.

    Email marketing is a great, often inexpensive way to stay in front of your existing client base. Whether it s crafting copy for drip campaigns or designing a template for monthly newsletters, we can help you plan and execute an email marketing strategy that makes sense for your business.

    Brochures, Postcards, Flyers White Papers

    Let ILM Marketing help you make a great impression on your clients and potential customers. Not only can we help you create great copy, we can also assist you with developing your print collateral and manage the entire printing process.

    Wanna Talk?

    We understand full well that there are tons of great marketing and seo companies out there. However, we don’t think that there are many who have the industry related background and know-how that we do. If you’d like to find out more about our mortgage website design, copywriting, SEO, PPC or social media marketing, or graphic design services, please give us a call at 910-547-6910 for a free consultation.


  • Affording Lap-Band Surgery – Financing and Payment Options #lapband #fills


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    Home LAP-BAND SURGERY PAYMENT OPTIONS

    LAP-BAND Surgery Payment Options

    Financing options are available than can help make LAP-BAND surgery affordable to those who might not have considered it an option.

    LAP-BAND surgery is indeed a major financial consideration, but don’t let financial concerns keep you from consulting a weight loss surgeon.

    Most doctors understand that weight loss surgery is both a beneficial and a high cost procedure, so you will find that many of them are willing to discuss and provide information on various payment options.

    The three primary options for LAP-BAND surgery are:

    • Health Insurance Coverage
    • Out-of-Pocket Cash Pay
    • Patient Financing

    Health Insurance Coverage

    LAP-BAND surgery is covered by many health insurance companies, although specific coverage will vary between insurance companies, health plans, and even between states.

    Even among insurance companies that provide insurance coverage for LAP-BAND surgery. surgery benefits will usually not be considered unless other weight loss methods have been attempted, weight loss surgery is considered a medical necessity, and the patient meets the National Institute of Health (NIH) requirements for bariatric surgery.

    Some insurance companies, however, may specifically exclude any type of obesity surgery.

    If you do not have health insurance, your health insurance company does not cover weight loss surgery, you do not meet their criteria for medical necessity, or you do not wish to proceed with insurance coverage for your procedure, there are other payment options available to you.

    Many people who have undergone LAP-BAND Surgery have not been covered by insurance but have worked out payment thru either a lump sum out-of-pocket cash payment or patient financing.

    You will have to decide whether you are a cash pay patient or insurance patient early in the process to that the appropriate administrative steps can be completed correctly.

    Whatever the method of reimbursement, payment is expected to be worked out prior to surgery. The payment process will coincide with the surgery approval process and when both are resolved the surgery can be scheduled.

    Cash Pay LAP-BAND Patients

    Surgeon’s and hospitals offer a different pricing structure for patients that are designated as a cash pay patient. Special packages for fees and services are put together for patients that will be paying up front with cash rather than billing an insurance provider. Some of the packages are a lump-sum amount for all expected expenses, but some may bill each portion separately. The expenses to consider are all pre-op tests and evaluations, surgeon, surgical assistants, hospital or surgery center, anesthesiologist, follow-up support, fills and band adjustments.

    When consulting a weight loss surgeon, ask them about their cash-pay option. Before you proceed as a cash pay patient, however, be certain that you will not be switching to insurance coverage. It is not merely a matter of changing the payment method, but alters the complete payment structure and disrupts the administrative process.

    Financing and Healthcare Lenders

    Patient financing is another payment option available for LAP-BAND surgery. Financing allows you to pay for the surgery over time if you do not have insurance coverage or cash to pay up-front.

    Many bariatric surgeons have working relationships with healthcare finance companies and can provide you with information on financing programs and payment plans. The referrals will usually be for particular lenders that offer special financing packages for major health care expenditures with low interest and low monthly payments.

    Your doctor may also participate in the patient finance program specifically for patients of the LAP-BAND System that links patients with CareCredit , a leading patient financing program.

    If you want to consider financing for LAP-BAND surgery, you should ask your doctors office if they can provide you with any patient financing information or if they are enrolled in the LAP-BAND System Patient Financing Program.

    LAP-BAND Surgery is Tax Deductible

    While it does not directly help with payment for the surgery, the cost of your LAP-BAND surgery may be deductible on your tax return. You may want to check out the IRS guidelines on tax deductions for medical care. You may be able to reduce your taxes by itemizing your expenses for your LAP-BAND Surgery and related medical fees.


    Holistic Recovery Centers – Holistic Substance Recovery Programs #holistic #drug #rehab


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    Find a Top Holistic Rehab Center

    Table of Contents

    1. How Does Holistic Drug Treatment Work?
    2. What Are the Levels of Treatment?
    3. Finding the Right Drug Recovery Facility

    Many individuals struggling with drugs or alcohol seek treatment through traditional means, such as 12-step facilities and medications, to help them overcome their addictions. However, holistic drug recovery centers are becoming increasingly popular and have been deemed by many doctors to be a successful approach to drug and alcohol addiction treatment.

    Holistic drug recovery centers help patients seek relief and recovery from serious addictions by improving the health of the mind, body and spirit. They are considered alternatives to standard or mainstream treatment, such as psychotherapy and medication-assisted treatment. According to the Drug Abuse Warning Network, an estimated 2.1 million visits to hospital emergency departments, or EDs, resulted from drug abuse or misuse in 2009, or approximately 647 ED visits per 100,000 individuals every year. The study showed that 52.1 percent of these visits directly involved pharmaceuticals, 47 percent involved the use of illicit drugs, and 31.8 percent directly involved alcohol.

    How Does Holistic Drug Treatment Work?

    Holistic doctors have implemented various natural healing techniques to remove drug and alcohol toxins from a person’s body with or without the use of medications. Holistic doctors have implemented various natural healing techniques to remove drug and alcohol toxins from a person’s body with or without the use of medications. According to Louisiana’s Department of Behavioral Health, patients can face the underlying spiritual, mental, and physical struggles that led them to seek the consolation of drugs or alcohol through yoga, acupuncture, art therapy, meditation and many other alternatives. Holistic drug recovery programs help treat the entire being, healing a person mentally, physically, spiritually, and emotionally.

    The National Institute on Drug Abuse explains that holistic drug recovery programs can help patients:

    • Identify what is triggering their addictions.
    • Understand the step-by-step events that led to drug use.
    • Stop the addiction early.
    • Cope with triggers through visualization, thought disruption, and relaxation.
    • Find alternatives to drug abuse.
    • Develop a long-term recovery plan

    Top holistic drug recovery centers combine traditional treatments, such as 24/7 medical care, drug detox, and group or individual therapy with holistic services for the perfect balance of healing. These services may include:

    • Acupuncture
    • Nutritional therapy
    • Exercise routines
    • Massage therapy
    • Spiritual counseling
    • Yoga
    • Meditation
    • Art therapy.
    • Music therapy.
    • Tai chi

    Most holistic alcohol recovery facilities focus on mindfulness and how an individual connects with nature. For this reason, most holistic drug recovery centers are located in peaceful locations, such as in the mountains or near bodies of water, to help nurture patients back to health.

    What Are the Levels of Treatment?

    As with traditional rehab and recovery programs. there are several qualifications you should carefully take into consideration when searching for a top holistic drug recovery center. First, you need to review the treatment options that are available to you. Holistic drug recovery facilities provide the necessary treatment in accordance to the patient’s level of drug addiction or alcohol abuse. Patients with more severe drug issues may receive inpatient care, allowing them to reside at a holistic drug recovery facility during the entire treatment period.

    Patients can also participate in partial-day programs, spending half a day at a holistic drug recovery facility where they can focus on proper therapy and education. If a patient chooses an outpatient program. he or she will participate in care for a few hours each week for several months. If you are searching for a way back to a healthy lifestyle free from addictions, we can help. Call 1-888-319-2606 to discuss the treatment options available to you.

    Finding the Right Drug Recovery Facility

    Top holistic drug recovery centers offer one-on-one activities and counseling sessions to help patients beat drug and alcohol addictions. These programs focus more on individualized therapy and are based on the idea that addictions should be treated in varying degrees in order for recovery to be successful. Patients can choose from holistic drug recovery facilities, gender-specific programs that focus on healing without distractions, teen recovery programs that focus specifically on the recovery challenges of patients in their teens, and religious recovery programs that promote healing through the incorporation of religious philosophies.

    Holistic drug recovery facilities typically require a minimum stay of 30 days to ensure proper treatment, allowing patients to focus fully on recovery. However, not all recovery centers are the same. Each facility offers unique recovery plans tailored to each person’s needs. If you want help finding a top holistic drug recovery facility, please call us at 1-888-319-2606. As you search for a holistic alcohol recovery center, you should consider several criteria:

    • If the staff-to-patient ratio is low, individualized sessions will help patients heal quickly, because they will feel that the therapists know and understand what they are going through.
    • Holistic drug recovery centers should have highly trained and educated therapists who have earned a master’s degree in behavioral science and social work. A higher level of education will provide therapists with the necessary knowledge to successfully promote behavioral changes in patients.
    • Group therapy can help patients know they are not alone in struggling with an addiction. However, having the proper balance of group therapy and individualized sessions can keep patients on track.
    • Holistic treatment programs approach healing from a whole-body perspective. Therapeutic exercises, such as tai chi, yoga, music and art, can help patients release built-up toxins, promoting a faster healing process for body, mind and spirit.
    • Many holistic drug recovery facilities have apartments off grounds where patients live during the detoxification process. Having an enclosed residential setting at the facility can help build up a patient’s self-esteem and self-worth, promoting a happy, healthy lifestyle.
    • A top addiction recovery program will require follow-up care once a patient is finished with treatment. High-quality holistic drug recovery programs will provide solid plans and activities for the patient to practice upon release, ensuring a continuing healing process.

    Most alcoholics and drug addicts are unable to stop their unhealthy addictions without outside intervention. Those who do seek the help of holistic drug recovery centers, support groups or specialists hold a higher chance of remaining drug- or alcohol-free. If you or someone you know is struggling with a life-threatening addiction or substance abuse issue, we are available 24/7. Call us at 1-888-319-2606 to discuss available treatment options.

    You Only Get One Body – Get Clean Sober


    The Unlikely Homeschool: Top 12 Podcasts for Christian Homeschooling Moms #homeschooling #moms


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    I’m a wife to my “Mr. Right”. A momma of five. A maker of slow food and simple living. A collector of memories, a keeper of books, and a champion for books that make memories. An addict who likes my half-and-half with a splash of coffee. A fractured pot transformed by the One Who makes broken things beautiful. I heart homeschooling, brake for libraries, and am glad you’re here with me on the journey! Be sure to subscribe to my daily digest via email or RSS feed. Or, follow along with Facebook. Instagram. Twitter. Google +. Youtube. or Pinterest.

    Monday, July 11, 2016

    Top 12 Podcasts for Christian Homeschooling Moms

    Mothering is not necessarily a profession. Neither is homeschooling, for that matter. But, they are both full-time jobs which can be lived out professionally.

    I hold both of these callings in my life to a high standard. Just as I found ways to continue my education back in my classroom days, I’m constantly on the look out for ways to further my growth as a homeschooling mother. I’ve found numerous parenting books. blogs. and real-life mentors that point me straight, keep my feet moving, and bolster my quiet resolve to do all this well.

    But, time is no respecter of persons. I’ve been allotted the same 24 hours as every mom. It’s not always easy to squeeze personal growth into the already full day of a work-at-home-homeschooling mother.

    (This post contains affiliate links. Please see my disclosure policy for full details.)

    Two years ago, however, when I was a guest on the Homeschool Snapshots Podcast. my eyes were opened to the possibility of NO-EFFORT momma-learning.

    Podcasts have now become one of my GO TO resources for new ideas, fresh perspective, and encouragement in the trenches.

    Every morning, after I seat all my little sleepy-eyed cherubs around the breakfast table, I squeeze all my jiggly parts into some spandex, find a HIT workout on youtube, and turn on an episode of one of my favorite podcasts. I listen and learn while I exercise. I’m a hot mess of sweat and flapping skin. But as my outer parts are shrinking, I’m trusting that my inner parts are growing.

    Here they are in no particular order. my current podcast favorites for motherhood and homeschooling.

    Host Sarah MacKenzie, the lovely author of homeschool momma must-read Teaching from Rest. has built an amazing community of children’s book authors, veteran homeschool moms, and literary enthusiasts that encourage parents to build a family culture around books.

    Have you ever wanted to be a fly on the wall of another homeschooling home? To see how the day runs? To link arms in solidarity? Pam Barnhill gives you a peek into the lives of everyday homeschoolers just like you. From mommas of large families to mommas of only children, from moms with special-needs kids to moms with gifted learners. there’s an episode to encourage everyone.

    I’ve been gathering my kids together for a morning basket time for years. But up until recently, I had no idea that it was actually a THING. Other mommas also center their days on truth, beauty, and virtue. This is an entire podcast dedicated to starting your day with the things that matter most.

    This hipster-inspired take on mothering and homeschooling reminds me of one of those morning talk shows where a handful of women sit around a table drinking coffee and discussing current events. only without all the caddy name calling and references to celebrities. To be honest, I love this podcast and have a bit of an instagram crush on the accounts of all six hosts. I have to constantly remind myself that homeschooling always looks more magical through photo filters.

    What do you get when you combine classical education methods, the teachings of Charlotte Mason, and three friends who have a heart to encourage homeschooling moms to teach with leisure (schole)? This podcast.

    Ever since I read Sally’s latest book, The Life-Giving Home. I have not been able to shake the importance of peaceful mothering. mothering with a mission. mothering with calm confidence. When I listen to her podcast, I feel like I’m sipping tea with a favorite mentor. All that’s missing is the reassuring nods and gentle pats on the shoulder.

    I don’t have the time or space in my day to skim through all six volumes of the Charlotte Mason education series whenever I have a pressing question or concern. But now I don’t have to. The Mason Jar is an entire podcast dedicated to putting a current spin on a Mason-inspired education.

    While brushing up on my creative writing chops for the upcoming class I’m teaching at co-op, I’ve become a Brave Writer junkie. The creator and owner of the podcast and curriculum is a veteran homeschooling mom of five who has learned not to take life. or homeschooling. too seriously. She has a quirky personality and an infectious laugh. After perusing through her old podcast episodes, I kind of got a little addicted to listening to the audio-only replays of her Periscope and Facebook Live episodes.

    This hodge-podge podcast from veteran homeschool mom, Heidi St. John, is kind of like a sermon just for women. Heidi tackles all kinds of topics through a lens of faith. The episodes are short and remind me of a weekly radio show.

    Consider this podcast a pep-talk for professional mothering. a reminder that your job matters! It is a call to action. a call to find meaning and method in the everyday madness. Host Kat Lee always seems to cull the best-of-the-best in guests from around the world, and her words are. like her blog title implies. inspiring.

    Young mom, Heather MacFadyen, invites you to join her in the quest to replace “me” with “He” as she chats with guests from all walks of mothering. Throughout each episode, she slowly reveals her own in-process story of motherhood.

    I don’t always have the time to linger over a podcast. The Parenting on Purpose episodes are broken up into smaller fifteen-minute segments for learning-on-the-go. In the time it takes me to wash my dishes or fold a load of laundry, I can get a nice shot in the arm of purposefully parenting.

    In an ideal world, I could sit down with homeschooling and mothering greats like Susan Wise Bauer and Sally Clarkson. I could pull up my chair, grab them by the shoulders, and pepper them with questions. But, I can’t. So, I do the next best thing. I tune in. I make time for Podcasts.

    Got any podcasts to add to my list? What have you been listening to?

    Recommended by readers:

    For Your Information

    Please note that all content and photo images of this blog are protected under all applicable international, federal, state, and local Copyright laws. All rights reserved to the Unlikely Homeschool. You have my written permission to repost portions of this blog elsewhere as long as the Unlikely Homeschool is cited within your post and a link is created to redirect your readers back to theunlikelyhomeschool.com.

    In addition, occasionally, I am asked to give my opinion of a particular curriculum or homeschooling product. Although, at times, I receive monetary and/or product compensation for my reviews, the opinions that I write are exclusively my own. I have and will only ever give an impartial judgement of all reviewed materials.

    The Unlikely Homeschool is a participant in the Amazon Services LLC Associates program designed to provide a means for sites to earn advertising fees by advertising and linking to theunlikelyhomeschool.com.


    Best Telephone Answering Service in Atlanta, Georgia with Reviews #yellow #pages, #local #search, #deals, #coupons,


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    About Search Results

    YP – The Real Yellow Pages SM – helps you find the right local businesses to meet your specific needs. Search results are sorted by a combination of factors to give you a set of choices in response to your search criteria. These factors are similar to those you might use to determine which business to select from a local Yellow Pages directory, including proximity to where you are searching, expertise in the specific services or products you need, and comprehensive business information to help evaluate a business’s suitability for you. “Preferred” listings, or those with featured website buttons, indicate YP advertisers who directly provide information about their businesses to help consumers make more informed buying decisions. YP advertisers receive higher placement in the default ordering of search results and may appear in sponsored listings on the top, side, or bottom of the search results page.

    Telephone Answering Service in Atlanta, GA

    Responsive Answering Service

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  • 1. Antietam Call Center

    12457 Pennsylvania St

    Why choose Antietam for your answering service? There are many options to choose from when selecting an answering service/call center to help handle your calls. Antietam offers many benefits that make us your best choice, including: – Winner of the ATSI Award of Excellence, for 12 consecutive years. – HIPPA/PCI/DSS Compliant – 24/7/365 answering by live agents – No Contracts – all service is completely month-to-month – Digital recording of all calls for your review – Customized scripts to suit your business needs – State-of-the-art Call Handling System to fulfill any type of needs! – In-depth training quizzing with our agents before they take any calls! Thank you for your consideration of Antietam as a potential partner!

    2. Responsive Answering Service

    Why take the chance of ever missing an important call? Call us today for a free quote for call center and answering services! 24/7 Live Answering Appointment Scheduling Dispatching Order Taking Registration Services Courteous and Professional Call Screening Messages via phone, Email, SMS, or Fax

    3. Responsive Answering Service

    24/7 Live Answering -Appointment Scheduling -Dispatching -Order Taking -Registration Services Courteous and Professional Call Screening Messages via phone, Email, SMS, or Fax

    I know this isn’t an employment opportunity but I would SO love a job like this. How do I go about getting hired answering calls? Are you hiring. My name is Luann and my number is (901)831-1994. Please let me know yay or nay about any future jobs you may have coming up!!Thanks for your time.

    Antietam Call Center

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  • 6. A Personal Answering Service

    A Personal Answering Service offers a comprehensive suite of services customizable to your business needs, including: Live Secretary Messaging, featuring: * Custom Messaging Services * Customized Protocols as Complex As Needed * Fields Used To Determine If Call Should Be Dispatched Immediately * Instant Conference Calling * Personalized Answer Phrase Multiple Lines Forwarded To Same Number You can also use the secretary during normal business hours as overflow receptionist to prevent busy-signal hang-ups and lost business. Voice Mail With or Without Operator Assistance: * Your Own Personal Greeting with Password Access * Group or Individual Mailboxes Available With Greetings and Announcement Services As Well Multiple Message Delivery Options: Messages will be faxed to number you request and messages can be e-mailed to your pc or cell phone.

    7. Loud Clear Communications LLC

    They managed the calls for my landscaping business with excellence and professionalism. We would recommend them to any business.

    8. Answer Ally

    24/7 Answering Service where friendly customer service agents give quality service to you AND your callers.

    9. Antietam Call Center

    Founded in 1986, TeleMed is a privately held company that offers answering solutions to businesses in the healthcare sector. It provides a variety of appointment scheduling and data management services. The company offers a range of surveying and reminder solutions. TeleMed provides state-of-the-art interactive voice response systems to its customers. The company owns and operates various centers that process more than 5 million incoming calls annually. It maintains telephone lines, computers and servers. In addition, the company offers disaster recovery and patient care solutions. TeleMed s clients include universities, hospitals, hospice groups, durable goods manufacturers, research institutions, and medical and dental practices.

    14. Message Technologies Inc

    1995 N Park Pl SE Ste 500

    Message Technologies is an industry leader in providing interactive voice response and speech technologies. Its mission is to deliver innovative and affordable interactive voice solutions with maximum customer satisfaction. As an applications service provider it offers a wide range of speech and IVR solutions throughout North America and Canada. These solutions provide effective ways of interacting with customers and employees, over the phone, while minimizing the use of costly live agents. In addition to its ASP offerings, Message Technologies specializes in speech recognition, text-to-speech and IVR outsourcing services. It also offers a wide variety of VoiceXML, SALT and IVR hosting services using the latest innovations in speech technologies. Message Technologies has an office in Atlanta.

    15. Interactive Voice Media

    260 Peachtree St NW Ste 950


  • Automotive Laws – Traffic Attorneys #mesa #dui #attorney


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    Attorneys

    SUMMARY: Laws and Attorneys

    You may need to hire an attorney or research a particular law after receiving a traffic ticket. being charged for driving under the influence of alcohol (DUI), buying a lemon vehicle. or sustaining injuries in a car accident.

    On this page, you’ll find resources and direct links to information about attorneys, traffic tickets, driver and vehicle-related laws, and more.

    Hire an Attorney

    If you find yourself in a situation where you need to appear in court, hiring an attorney specializing in your type of case could be a smart move.

    Traffic Ticket Attorneys

    If you were recently charged with a traffic violation, you may want to consider hiring a traffic ticket attorney to represent you in court. Depending on the nature of your offense, a lawyer may be able to help you:

    • Reduce your fines.
    • Dismiss the charges.
    • Prevent points from going on your driving record .
    • Avoid an increase in your car insurance.

    To learn more about how to fight your traffic ticket in court, visit our Fighting Traffic Tickets page.

    Personal Injury Attorneys

    If you are injured in a car accident, you may want to think about hiring a personal injury attorney.

    A personal injury attorney can:

    • Explain your rights and entitlements.
    • Represent you in court.
    • Help you obtain financial compensation for your injury.

    To learn more about how a lawyer can help you and to find one today, visit our Personal Injury Attorneys page. You’ll also find tips to help you choose an attorney.

    DUI DWI Attorneys

    Driving under the influence of alcohol or drugs (DUI)—also called driving while intoxicated (DWI)—could lead to some very serious penalties, such as heavy fines, a driver’s license suspension, and even jail time.

    If you’re charged with a DUI, an attorney can help by representing you in court and:

    • Getting your charges reduced.
    • Explaining your charges to you.
    • Explaining your state’s DUI law.
    • Explaining how to satisfy your sentence (e.g. completing an alcohol and drug awareness course).

    To learn more hiring a lawyer to represent you, please visit our DUI Attorneys page and select your state.

    Lemon Law Attorneys

    Getting stuck with a lemon vehicle can be stressful. Fortunately, you may be entitled to a refund or replacement vehicle depending on your situation and your state’s lemon law.

    If either the dealership or manufacturer is unwilling to negotiate a settlement, you may need the help of a lemon law attorney .

    Driver and Vehicle Laws

    Before you get on road in your state, make sure you’re aware of all the traffic and vehicle laws you must follow.

    Suspended Driver’s Licenses

    Depending on your state, your driver’s license may be suspended for a number of reasons, including:

    • Committing a DUI/DWI.
    • Accumulating too many points on your driving record .
    • Failing to pay court fees.

    Some states offer restricted licenses to allow you to drive to and from work/school even while your license is suspended.

    To learn more about suspended licenses, how to reinstate your driver’s license, and how to apply for a restricted license, read our Suspended License or CDL Suspensions (for commercial drivers) pages.

    Traffic Tickets DMV Point System

    Traffic laws vary from state to state and penalties for violating these laws can vary depending on the county where you were ticketed.

    Visit our Traffic Tickets page to learn more about:

    • How to pay your traffic ticket.
    • Fighting your traffic ticket.
    • What to do if you’ve lost your traffic citation.

    Depending on your state, you may also find details about unpaid parking tickets, speeding tickets, red light tickets, or driving without insurance.

    If you’ve recently been convicted of a traffic violation, your state may have added points to your driving record. For specific details about how your state handles driving record points, please see our DMV Point System page.

    Safety Laws Child Safety Seats

    Motor vehicle safety is an important issue that affects every driver on the road. Some safety laws that you may need to follow include:

    • Wearing a helmet while riding motorcycle.
    • Wearing a seat belt in a car.
    • Seating your child in an approved child safety seat.

    To learn about the safety laws in your state, including cell phone laws, please visit our Safety Laws page.

    DUI Laws

    Depending on your DUI charge and age, you could face severe fines and penalties, including:

    • A license suspension.
    • Court fees.
    • Mandatory completion of DUI classes.
    • Community service.
    • Installing an ignition interlock device in your vehicle.
    • Filing an SR-22.

    While most states have a blood alcohol concentration (BAC) limit of 0.08% (may be lower for less experienced or younger drivers), DUI laws vary, so be aware of your state’s regulations.

    For information about DUI laws in your state, please read our DUI DWI page.

    Lemon Law

    Each state has a lemon law to protect you from vehicles with continued mechanical issues. Most lemon laws only apply to new vehicles, but some states also cover used vehicles.

    To learn more about your state’s lemon law and if your vehicle qualifies, visit our Lemon Law page and choose your state.

    Insurance Requirements

    Most states require that you carry minimum insurance coverage in order to legally operate your vehicle.

    It is common for states to require liability insurance for:

    • Injury/death to one person.
    • Injury/death of multiple people.
    • Damage to property.

    Insurance requirements vary from state to state. Visit our Car Insurance page to learn what coverage you must have in your state.

    DMV Resources Publications

    Below you’ll find a list of useful resources and publications related to the DMV.

    Driver’s Handbook

    Before you can get a learner’s permit or driver’s license, you must learn the rules of the road and traffic laws in your state. Each DMV agency offers its own driver’s handbook. The written test (also known as a “knowledge exam”) is based on material from the driver’s manual.

    Visit our Driver’s Handbook page and select your state for more details.

    Motorcycle Handbook

    If you’re in the process of applying for a motorcycle license, please visit our Motorcycle Handbook page to learn more about the requirements in your state.

    It outlines details about rules of the road, traffic laws and road signs, motorcycle safety, gear, and more.

    Vehicle Code

    Every state offers a Vehicle Code, which includes all of the laws and regulations concerning vehicles. Topics include:

    • Rules of the road.
    • Safety regulations.
    • Vehicle registration and titling.
    • Driver’s licenses.
    • Car insurance.
    • Bicycle laws and rules.

    Please visit our Vehicle Code page for specific details.