Mortgage Refinancing - Never Fib to Your Lender When Refinancing

Many homeowners stretch the truth to qualify for a better mortgage rate when refinancing. Everyone fibs a little, right? How's the mortgage lender going to find out? Here are several tips about income verification to help you avoid pitfalls and qualify for a better rate when mortgage refinancing.

Mortgage lenders verify income and assets prior to approving your mortgage application. They may also require proof of your separation agreement or divorce, where your money comes from, your bank and investment account balances, and nearly any other fact you are claming material to your refinancing application.

Lenders Verify Income When Mortgage Refinancing

Your lender may call or write to your employer, request your pay stubs, ask for your tax returns, and even request permission to contact the IRS directly regarding your income. If your mortgage company asks you to complete an IRS form 1406 giving them permission to contact the IRS on your behalf, make sure you specify the years you want the lender to see. If you forget to mark this on the form you might have some nosy underwriter rooting through your complete history of tax returns. Your lender will verify the income you complain with your documentation for accuracy. If the lender finds discrepancies it could delay approval or raise your interest rate. This is why you never want to intentionally or otherwise submit erroneous information with your mortgage refinancing application.

Lenders Also Verify Debts When Mortgage Refinancing

To verify your debts the mortgage lender will obtain credit reports from all three credit reporting agencies. The mortgage lender may also ask for your most recent bank account statements and run a check of public record for outstanding liens or judgments against you. Make sure the figures on your application for mortgage refinancing are an accurate representation of your overall debts. Again, downplaying your debts could lead to qualifying for a higher mortgage rate or even having your mortgage refinancing application denied.

The majority of mortgage lenders carefully scrutinize an application for numerical discrepancies, missing information, gaps in dates, and anything else that seems fishy. Don't play games with your mortgage lender, report all your debts and income honestly and you stand a much better chance of qualifying for a better mortgage rate that saves you thousands of dollars.

You can learn more strategies for mortgage refinancing while avoiding costly homeowner mistakes by registering for a free mortgage tutorial.

To get your FREE six-part Mortgage Refinancing Video Tutorial, visit RefiAdvisor.com using the link below.

Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. For a free copy of "refiadvisor.com Mortgage Refinancing - What You Need to Know," which teaches strategies to find the best mortgage and save thousands of dollars in the process, visit Refiadvisor.com.

Claim your free mortgage refinance information guide today at: refiadvisor.com refiadvisor.com

refiadvisor.com/pblog Mortgage Tutorial

Top 3 Work From Home Online Jobs You Can Benefit From

There are many misconceptions about work from home online jobs. This new method of income generation is still in its infancy. Many are still undecided as skeptics and believers fight over the long-term feasibility of this new money-making methodology. One thing that is certain is that the internet can be a profitable landscape of new and vibrant business opportunities. But does this dynamic nature apply to work from home online jobs?

The answer is yes. There are many ways to generate income from work from home online jobs. The opportunities are virtually endless. Opportunities continually present themselves as the industry evolves and when examining the road of evolution, there is no end in sight for the information technology sector.

Given the myriad of opportunities available, let's examine the top 3 work from home online jobs you can benefit from.

Work From Home Online Job No. 1 Affiliate Marketing

If you know how to operate a website, you can become an affiliate. By becoming an affiliate you promote another businesses' product. When a sale is made as a result of your promotion, you receive a commission of the sale. The commissions can vary anywhere from 30% to 70% of the sale price.

There are many digital products that offer marketing.educationeasy.net affiliate programs. With some careful research, you should be able to find the best affiliate program for you.

Work From Home Online Job No. 2 Online Surveys

Participating in online surveys is a popular way of supplementing your income. There are various marketing.educationeasy.net online marketing research agencies that are looking for candidates who are willing to participate in online surveys.

Participants are usually paid according to the amount of surveys completed. Surveys may offer varying payouts. The payout is partially determined by the scarcity of the test group; the rarer respondents are, the more they may be paid.

Work From Home Online Job No. 3 Online Retail

Online retail is one of the most established forms of revenue generation. Online retail was a pioneering work from home online job that gained mainstream exposure and acceptance. Unfortunately, conducting online retail is riskier when compared to its alternatives. To successfully engage in online retail, a certain amount of risk needs to be assumed.

Assuming risk may be a major drawback for those looking to achieve instant returns on the investments. Starting a retail business usually requires investing in a certain amount of inventory. This drastically reduces the liquidity of your assets, which may be another deal-breaker for some. Do keep these issues in mind when you consider entering the world of e-commerce.

There are many different kinds of work from home online jobs available. But before starting one, it would be prudent to do some research and learn from experts in this still-emerging field. The anonymity of the internet can be a huge pitfall that consumers should avoid. By consulting a guide written by knowledgeable author, you should be able to avoid and cut through the smoke and mirrors that mask genuine work from home online jobs.

freeadvertz.com Click Here Now to download a free copy of Mal Keenan's 30 Page Work at Home Business Success Report outlining his personal steps to a six figure online income.

For more home business tips and offers click below: freeadvertz.com Legitimate Home Business

How Much to Pay Personal Care Attendants

Some of the problems for families hiring personal care attendants are the price and also the restricted job functions of the caregiver. For families seeking quality home health aid, the only option is to hire independent caregivers at a price that they set themselves.

Depending on the type of care that a hired personal care attendant is expected to give, you can expect to pay about $13-20 an hour for live-in home health care. There are programs such as IHSS, which is the state/county program for Medicaid recipients that pays $8.75 to employ independent caregivers. You must also factor in the type of care they provide whether it includes bowel care, trach care, med care, and so on. Talk to previous employers and other people who are already using the services of home health aides.

Another thing to consider is the number of hours the caregiver is expected to work, the timing, whether the caregiver is expected to be on call or live-in. It is up to you whether, you want to reward your caregiver on merit. It is a wise idea to discuss the salary range of the home health aides. You can start out by asking how much they charge for care and negotiate accordingly.

Another strategy is to do a trial period, of about 2 weeks and raising the salary according to whether the caregiver performed to your expectations. It is very important to work out a pay schedule and work out the type of payment. Nursing students may prefer being paid in cash whereas a more experienced older caregiver may prefer being written a check. Have a contract in writing that is more comprehensive than a standard independent contracting contract. Have the payment schedules and methods of payment also outlined in writing to minimize misunderstandings. Establish clear objectives and write out a formal job description outlining the responsibilities of the caregiver.

For more information concerning respite care and personal care attendates, please visit connectingcaregivers.com connectingcaregivers.com or contact Lincoln N. directly at

Adoption - Still an Option for Teen Pregnancy

Although the decision to give up a child is always heart-wrenching, it can be a "win-win" solution to two painful problems. Adoption is a legal process that gives adoptive parents rights and responsibilities and the adoptive child social, legal and emotional rights as a family member.

Putting a child up for adoption allows the child's birth mother to continue with schooling or career, and she has a chance to create a stable home life before taking on the responsibility of motherhood.

More and more adoptions are including the birth mother as a permanent part of the child's future, which makes the decision easier for the biological parents, but may make it more difficult for the adopting parents.

Of the approximately 120,000 children that are adopted by U.S. citizens every year, about half are adopted by people who are not related to the child. The other half re by grandparents, step parents, or other family members.

Both biological and adoptive parents should carefully consider the decision. If you are thinking that adoption may be the best solution for your baby, you should decide how much contact, if any, you would like to have with your child in the future. If you would like to stay connected, find an adoption agency that specializes in open adoptions. Find out from the agency or attorney if you will be able to choose your baby's new parents, or determine their race, age or economic status.

If you want to adopt a child, you will also need to make many difficult decisions, and take a good look at your own situation and expectations. Can you afford a child with special needs, for instance, or would you be comfortable adopting an older child from the foster care system? Some prospective parents believe an older child would bring joy to their home, but others have carefully looked at their feelings, and know they could only bond with an infant.

Parenting does require financial security and a safe, stable home. However, a child doesn't need "perfect" parents and adoption agencies don't make unreasonable requirements. You will not be automatically disqualified if you are single, divorced, parenting other children, or because you have a disability. Some adoption agencies will consider working with gay and lesbian families. You do not need to own your own home or be wealthy or highly educated.

You do need to have tons of love available. A half-ton of patience would help, too.

If you are trying to adopt an infant, especially a Caucasian infant, you may find additional restrictions because of such a high demand. If you are interested in adopting a Native American child and are not yourself a Native American, you may be disqualified. Some agencies encourage cross-race adoptions, while others do not.

Adoption agencies are located in almost every city, and some attorneys specialize in adoption law. Referrals are recommended.

Both biological and adopting parents should carefully research the adoption process before contacting an agency or an attorney. The more you know about how adoptions work, the more sure you can be of having your needs met.

Both biological and adopting parents should also consider finding a support group, so you'll have others in your situation to talk to. This is one of the biggest decisions in your life, and it's common to have no family members or friends who have ever made this decision. It helps relieve the stress if you join a group of people who understand exactly what you're going through.

If you're a teen mother, or if your pregnancy was unexpected and unplanned, adoption agencies will have many prospective parents on their waiting lists. The waiting time for adopting parents is likely to be much. Since many unwed mothers are now choosing to terminate their pregnancy or to keep the child, prospective adoptive parents can expect to wait up to two to three years.

Biological parents will probably have their medical costs paid by the adoption agency. Adopting parents may find programs that help cover the expense of adoption. The Federal Adoption Tax Credit was $10,630 in 2005. Some employers are also offering financial assistance to adopting parents. Employers may offer loans, family leave, and health benefits.

Jonni has been writing online for over 8 years. She often writes about pets, gardening, and health, but she has other interests as well. On her latest website she describes many PictureFramingToolsOnline.com picture framing tools. If you're an artist who needs inexpensive frames for your work, or if you're looking for a fun new hobby, pictureframingtoolsonline.com/diy-picture-framing DIY picture framing might be just right for you.

Job Opportunities, Part-Time Or Full Time - A Short Guide To Online Employment Agencies

One of the new ways of landing a job, full time or part time, is troll the Internet. Of course, if you were looking for a job close to where you live, then your chances of netting a job is perhaps higher if you were to look up the local newspapers' classified.

The internet offers you a better choice and scope, apart from the numbers of jobs available that would suit your requirement. It is possible also that you might locate a job near home which is not listed in the local newspaper. This happens because the advertisements are cheaper than in the print media. And the agencies in your area may have a full website of their own, or even prefer the internet to attract more applicants to match the right candidate with the jobs they have been entrusted to help fill.

So a mix of both should be helpful for you to find a part time or full time job. You have to make up your mind whether you are looking for desk work or manual work. Manual work is generally advertised in the local newspaper, and of course, there is no harm in registering with an employment agency, leaving your resume with them with your contact numbers. In fact everyone can do that, and have a better chance.

Some of the internet sites that carry employment opportunities are listed here for your use. These are not complete nor are they exhaustive. The spread of the Internet is such that even the sites you normally look up, you might find small ads on the side of the site, offering jobs.

Look up Net-jobs.com, which is well known for its comprehensive listing of temporary jobs. Only temporary jobs are featured on this site. Through this site, you will be able to introduce yourself to companies around the area or elsewhere, which are looking for part time staffers.

Landing a job is your headache, but it is reduced because the companies on these agencies generally introduce you to the work expected.

Another site which is catching up is craigslist.org. Yes, you can find temporary jobs on this site, contrary to your information. On this site, the owners themselves post temporary jobs and leave a contact number for you to call, and an online interview can take place. Some of course ask for a resume before asking you to contact them. It's a good site for owners of small business online for hiring. Here you can also find freelance work or project based jobs.

We would urge quite a bit of caution in looking up employment agencies on line. Regular ones do not ask for any deposits. And one way you can make out is the length of their introduction. If it runs into several screens, all spinning the words, then watch out for the sting in the tail! If they don't provide a proper street address, and leave only a telephone number, it would be better to look up that number using the reverse telephone number look up. Its better that way.

When being selected for a job, make sure that you know exactly what is expected of you; and it does not hurt to stretch your job the extra mile.. it helps, especially when it is part time. The next time you come back to the jobs market, your performance is on record, and the process of being re-hired is sped up, with a possible better pay. And when you are ready for a full time position, your reputation would tag along with you, or may have gone ahead to the companies who are hiring people like you.

Good Luck, and do be careful.

Abhishek is a Career Counselor and he has got some great Career-Guru.com/769/index.htm Career Planning Secrets up his sleeves! Download his FREE 71 Pages Ebook, "Career Planning Made Easy!" from his website Career-Guru.com/769/index.htm Career-Guru.com/769/index.htm. Only limited Free Copies available.