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    Mortgage Lates and Refinancing
    BenefitMany lenders will do mortgage refinances for borrowers who are late on their morgage by 30 or 60 days. These lates can also be late multiple times in a calendar year, such as being late 2 times by 30 days (2x30 in mortgage industry terms).Lender DecisionsLenders base their loan decision on factors including:how many times a borrower was latehow their overall credit ispast mortgage history on the current and previous mortgagesamount of equity in
    st people in your life understand who you are?
     Do you feel you often misunderstood?
     Do you communicate your feelings well or do you assume others should know what you intended?
     If someone accuses you unfairly will you defend yourself?
     If you want something different from others do you speak up for it?
     How important is your work? Is it valuable in some way?
     If you were gone would anyone suffer or miss you because you no longer where present or because you were not
    20 Percent Down? Not Necessarily
    Historically, consumers who were approved for mortgage loans were required by lenders to make down payments equal to 20 percent of the value of the home they were interested in buying. With many lenders today, the mandatory 20 percent down payment is now a thing of the past.The 20 percent down payment requirement prices many lower income families right out of the market for buying a home. With this in mind, a number of government agencies and private organizations have come up with alternatives for qualifyi
    How does one actually begin to decode or decipher the messages from our soul? Is a soul code even recognizable? Does it sound different from our native language that we use to speak and communicate with or does it sound foreign to our own ears? Is it audible? How do we know?

    As a soulologist, I recommend you begin to pay attention to your personal thoughts, daily moods and to the areas of your life that you label as stressful. What are the reoccurring themes or patterns that show up in your life? Begin with a personal self-assessment or by taking an inventory of yourself and your life’s environment.

     How much time in the day do you spend alone?
     Do you spend alone time quietly or is it filled with background noise?
     How might your thoughts sound? Do you think of all of the things you have yet to do?
     Or do you try to free your mind of thought?
     If you had to describe your present state of mind, would you describe it as frustrated, hurried, tense, afraid, stressed, calm, peaceful or relaxed?

    If you rarely spend quiet time alone, reflecting on your personal feelings and thoughts you probably won’t have a very good understanding of the soul’s meta-messages. On the other hand, if you spend more and more time alone focusing on your feelings and thoughts you may recognize that you feel out of place in some area of your life. Or you may recognize the areas of your life that are not functioning to their fullest potential. Such as your work may be stressful and creating a lot of tension in your life. You may feel misunderstood by family, friends or co-workers. You may feel that you are taken advantage of and that you rarely receive your deserved recognition.

    Ask yourself the following questions to help you assess what your soul is trying to tell you:

     Do you often feel your significant other doesn’t respect your feelings and or thoughts?
     Do you feel you give much more than you receive?
     Do you compromise your wants or needs more than others in your life?
     Do you feel you are treated unfairly by most people?
     Do you feel most people in your life understand who you are?
     Do you feel you often misunderstood?
     Do you communicate your feelings well or do you assume others should know what you intended?
     If someone accuses you unfairly will you defend yourself?
     If you want something different from others do you speak up for it?
     How important is your work? Is it valuable in some way?
     If you were gone would anyone suffer or miss you because you no longer where present or because you were not t

    Overcoming Procrastination
    It has been called the “thief of dreams”. Procrastination is that damaging tendency we have to put off doing the things we know we have to do. It is universally known and experienced and can be the difference between achieving a goal in a month or 6 months, or even worse for some people, between achieving a goal and not even getting started! This article will aim to explore procrastination and how it can effect every aspect of our lives.Firstly why is procrastination so damaging? You may be thinking I have
    r by taking an inventory of yourself and your life’s environment.

     How much time in the day do you spend alone?
     Do you spend alone time quietly or is it filled with background noise?
     How might your thoughts sound? Do you think of all of the things you have yet to do?
     Or do you try to free your mind of thought?
     If you had to describe your present state of mind, would you describe it as frustrated, hurried, tense, afraid, stressed, calm, peaceful or relaxed?

    If you rarely spend quiet time alone, reflecting on your personal feelings and thoughts you probably won’t have a very good understanding of the soul’s meta-messages. On the other hand, if you spend more and more time alone focusing on your feelings and thoughts you may recognize that you feel out of place in some area of your life. Or you may recognize the areas of your life that are not functioning to their fullest potential. Such as your work may be stressful and creating a lot of tension in your life. You may feel misunderstood by family, friends or co-workers. You may feel that you are taken advantage of and that you rarely receive your deserved recognition.

    Ask yourself the following questions to help you assess what your soul is trying to tell you:

     Do you often feel your significant other doesn’t respect your feelings and or thoughts?
     Do you feel you give much more than you receive?
     Do you compromise your wants or needs more than others in your life?
     Do you feel you are treated unfairly by most people?
     Do you feel most people in your life understand who you are?
     Do you feel you often misunderstood?
     Do you communicate your feelings well or do you assume others should know what you intended?
     If someone accuses you unfairly will you defend yourself?
     If you want something different from others do you speak up for it?
     How important is your work? Is it valuable in some way?
     If you were gone would anyone suffer or miss you because you no longer where present or because you were not

    When the Job Search is Over, be Sure to Say Thanks
    Using a job acceptance letter when offered a position shows true professionalism. It is a way of saying “thank you” to the person who hired you, and giving them assurance that they made the right decision. You have presented yourself to them as a professional with your resume, cover letter, reference sheet, salary history, letters of recommendation, follow up note, and any other personal marketing materials you’ve used while job hunting. You went out of your way to make sure that the interview went well, and pr
    spend quiet time alone, reflecting on your personal feelings and thoughts you probably won’t have a very good understanding of the soul’s meta-messages. On the other hand, if you spend more and more time alone focusing on your feelings and thoughts you may recognize that you feel out of place in some area of your life. Or you may recognize the areas of your life that are not functioning to their fullest potential. Such as your work may be stressful and creating a lot of tension in your life. You may feel misunderstood by family, friends or co-workers. You may feel that you are taken advantage of and that you rarely receive your deserved recognition.

    Ask yourself the following questions to help you assess what your soul is trying to tell you:

     Do you often feel your significant other doesn’t respect your feelings and or thoughts?
     Do you feel you give much more than you receive?
     Do you compromise your wants or needs more than others in your life?
     Do you feel you are treated unfairly by most people?
     Do you feel most people in your life understand who you are?
     Do you feel you often misunderstood?
     Do you communicate your feelings well or do you assume others should know what you intended?
     If someone accuses you unfairly will you defend yourself?
     If you want something different from others do you speak up for it?
     How important is your work? Is it valuable in some way?
     If you were gone would anyone suffer or miss you because you no longer where present or because you were not

    Choosing the Right Liquid Foundation
    The right foundation can do wonders for your face. Even with minimal eye makeup and blush, the right foundation sets the base for a fantastic glow to help let your natural glow shine through.When buying foundation, you must first consider the type of skin you have. If you have dry skin, you will need a foundation with a creamy formulation or with additional moisturizers. If your skin is oily, an oil-free foundation will minimize shine and will keep you looking fresher for longer.Second, remember t
    workers. You may feel that you are taken advantage of and that you rarely receive your deserved recognition.

    Ask yourself the following questions to help you assess what your soul is trying to tell you:

     Do you often feel your significant other doesn’t respect your feelings and or thoughts?
     Do you feel you give much more than you receive?
     Do you compromise your wants or needs more than others in your life?
     Do you feel you are treated unfairly by most people?
     Do you feel most people in your life understand who you are?
     Do you feel you often misunderstood?
     Do you communicate your feelings well or do you assume others should know what you intended?
     If someone accuses you unfairly will you defend yourself?
     If you want something different from others do you speak up for it?
     How important is your work? Is it valuable in some way?
     If you were gone would anyone suffer or miss you because you no longer where present or because you were not

    Master Degrees
    If you are looking for an edge in the employment market, keep in mind that master degrees can give you a jump on the competition in today's job market. Recent studies have shown that level of education, especially master degrees, decisively affects overall income. Average salaries for Americans are based on educational accomplishments, and the upshot is: the more education, the more income.Master degrees are awarded in one to three years. Requirements for admission to programs for master degrees will vary b
    st people in your life understand who you are?
     Do you feel you often misunderstood?
     Do you communicate your feelings well or do you assume others should know what you intended?
     If someone accuses you unfairly will you defend yourself?
     If you want something different from others do you speak up for it?
     How important is your work? Is it valuable in some way?
     If you were gone would anyone suffer or miss you because you no longer where present or because you were not there to make their life convenient?
     Do you forsake your goals and dreams for someone else’s?
     Are you honest to yourself and to others about your feelings towards them?
     How would your friends describe the type of person you are?
     How would your family describe the type of person you are?
     Who do you wish your life could be more like?
     What is your perception of their life?
     What do you need more of in your life in order to achieve the kind of life you want?

    Be completely honest when answering the questions above. There aren’t any wrong or right answers. The honest answers to these questions will help you begin to hear what your soul’s messages are saying. When we aren’t in touch with our soul, we may ignore the ways in which we automatically move through life as if we have no choices. We blame others for our unhappiness instead of looking inward. Personal happiness is a function of the individual. No one else is responsible for our personal happiness. When we feel we are valuable and secure, we no longer will look outside of ourselves for external validation. Take the time to hear your soul, listen to what you hear, pay attention to your feelings in every area of your life. Your soul’s language is very recognizable, all you have to do is listen with an open mind.

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