Mar 30

Eat And Lose Weight!

General No Comments »

Article by Weight Lose Programs

NO, IT’S NOT TOO GOOD TO BE TRUE!! Okay, now that I have your attention…. We CAN Eat AND Lose Weight!

Where did we ever get this idea that we have to starve ourselves half to death in order to lose weight?

A lot of people (myself included once upon a time) think that eating as little as possible during the course of a day, will help them to lose weight fast.

Wrong! If anything at all is lost, its mostly water weight, and we all know what happens once we go off our starvation diet. Whatever we have lost comes right back. Well, besides that you might even end up having a few dizzy spells from the lack of nutrients. And if by chance you do happen to lose some fat while on one of these half starvation diets, after the first few days or so, your body ends up slipping into defense or “survival” mode.

This simply means that your body stops burning the fat and tries to hold on to as much of it as possible for an emergency source of energy. In addition to that, your body would rather break down more muscle then fat during this starvation period, (remember it’s trying to help you survive).

And am I the only one who tried the “salad diet”? Yeah, that one speaks for itself. Nothing but Salads all day, every day.

Well my brothers and my sisters, I am here to tell you! Search no more! I am here to tell you….You really can eat and lose weight at the same time. Now, I don’t just mean eat, I mean practically indulging in all the BIG No-No’s. You know, the stuff we can’t even THINK about eating, or we’ll end up gaining like 10 lbs.?

I found a little gem of a program, and it has got to be one of the most interesting weight lose programs I have run across in a while. This program actually requires you to indulge in all your favorite foods – regularly!

This process is called “Strategic Cheating”. It tricks your body into thinking that your not on a diet when you really are, which in turn blocks the body from ever entering into starvation mode or stalled weight loss periods. So if its pizza, pie, chips or cookies that your craving, you can eat it, and actually use those foods to burn fat faster!

Now don’t get me wrong, you can’t just arbitrarily start gobbling up everything you see every time the mood hits you. That’s why its called strategic cheating, you’ll learn when to use all your favorite foods to your advantage for intense fat burning.

As I said in the beginning, We CAN Eat AND Lose Weight! Sweet deal huh?

Mar 30

How Technology Is Affecting Our Lives

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Today’s world is full of pieces of technology that we take for granted, the microchip has truly revolutionised the way in which we live and do business. The world we see would not be recognisable to people of a few generations ago and nowhere is this truism greater than in the world of computing. Hence it is important to stay up to date with technology news; while many may think that this type of news is purely for geeks it is clear that all of us should have at least a passing interest in news of technological developments.

technology pretty much touches all of our lives in some way and hence technology news is a vital resource that can keep us up to date with developments and ways in which the world will be changing. For instance, the onset of digital television is something that will affect most people; news stories that inform us of the dates for the switch over are vital so the average member of public can understand when their analogue signal will be turned off. In the same way, news of technologies that may make our cars safer and more efficient is important to all those who drive on our roads.

Anyone of a reasonable age will remember the BBC’s ‘Tomorrow’s World; a technological news show that brought us stories of the latest developments and the ways life would be changed in the future. It was as sad day when this news show was cancelled; maybe it meant that people were no longer interested in new technology. If people are less interested they should not be; being up to date with what is coming around the corner is just as important as being informed on the politics of the nation and world affairs.

Any lack of interest has been sidestepped by the internet, which has seen the creation of a platform for thousands of writers who feel it necessary to publish regular news stories on technological developments. It is not just the bedroom ‘bloggers’ however that is publishing detailed news stories. Major reporting institutions are now likely to have a technology dedicated page in order to cope with the huge demand for this kind of news.

The fact of the matter is that technology now covers such a diverse range of subjects that it would be foolish for any reporting company not to write stories on the genre. Technology can apply to elements of the medical industry as well as the automotive industry. It is this diversity that makes technology news articles so interesting to read and why subscribers from all over the world regularly catch up theses stories.

It can be argued that will now live in the ‘computer age’, whether this is true or not is a matter of conjecture but what can be assured is that we live a period where computers are becoming increasingly important to our way of life. Ultimately we are becoming evermore reliant on our computers and without them we would be lost; there are even news stories of some now being addicted to their computers and handhelds. This is the extent that technology has encroached upon our lives that people now do not feel the need to ‘unplug’.

The phenomena is only set to continue, as computers become more powerful and have greater and greater applications it will not be long that we will plan our lives around the computer. This is not an attempt to act as a harbinger of doom, it is just theorising on ways in which technology will impact upon the human race. This is why keeping up to date with news stories about technology is so important, technology is about forward momentum and understanding what is at the crest of the wave is only half of the battle.

Mar 30

Understanding Jumbo Mortgages

Home financing No Comments »
which mortgage is best for you


A jumbo mortgages is a home loan that exceeds the limits set by Fannie

Mae and Freddie Mac.

How are jumbo loans different?

What differentiates jumbo mortgage loans is the loan amount. At present, loan amounts that are higher than $417,000 are usually deemed jumbo mortgages. This determination is made by comparing industry standards for average housing loans as governed by the two biggest secondary mortgage lenders, Fannie Mae and Freddie Mac.

Fannie Mae and Freddie Mac set industry standards for ‘conforming loans’; Home loans beyond those maximums are regarded as jumbo mortgages. These two agencies cap the dollar figure for loans that they will buy (that’s where the $417,000 figure comes from). Larger loan amounts are funded by other investors such as banks and insurance companies. Note that the dollar figure set to qualify jumbo mortgages differs by locale, so the limit is higher in Hawaii and Alaska (and in some other states). In the majority of the U.S., jumbo mortgages are those larger than $417K.

Available Terms – 15 Year Fixed, 30 Year Fixed, or Variable 30 Year

Jumbo Mortgage

The terms for jumbo mortgages vary similarly to other types of housing loans. Buyers can choose between variable rates, like 3/1 or 5/1 ARMs, for a 15-30 year jumbo mortgage, or a 15 or 30 year fixed jumbo mortgagerate.

Whether a 15 or 30 year fixed jumbo mortgage or an adjustable rate is best for you will depend on your plans and situation.

A 30 year fixed jumbo mortgage is better for those whole plan to own the home for a very long time. With this type of mortgage, the rate will not go up but it will never go down, either – it stays the same for the life of the loan. This is good because the payment is predictable, and cannot rise sharply if interest rates do. On the downside, the 30 year fixed jumbo mortgage rate is higher since lenders know they can never charge more than the original rate.

The lowest jumbo mortgage rate is usually an adjustable 30 year jumbo mortgage rate. Lenders understand their potential to benefit from increases in rates over time, so they are willing to lend at a lower rate in the beginning. Although, the lower rate won’t last. A variable 30 year jumbo mortgage rate will be fixed for 3 to 5 years, and then will adjust annually according to an index. Even small increases could mean significantly larger monthly mortgage payments.

Going with an adjustable 30 year jumbo mortgage rate works well when a buyer plans to move within the 3 to 5 year fixed period. For a buyer more concerned with smaller initial payments, or who will likely refinance in the near future, the variable 30 year jumbo mortgage rate is better than the 30 year fixed jumbo mortgage. Why pay the higher fixed rate when the buyer knows this isn’t their long-term plan?

All jumbo mortgage products – 15 year, variable 30 year, or the 30 year fixed jumbo mortgage – have their benefits. A trustworthy mortgage lender with experience financing jumbo mortgages is a buyer’s best resource for determining which product is right for them.



This article is written by J.B. of 1st American Mortgage and Loan, LLC, a Colorado mortgage company.

Mar 30

Effect of Unemployment in Mortgage Delinquencies

Real Estate No Comments »


The economic crisis that affected the United States, and other parts of the world has caused many people to lose their jobs. The unemployment rate continues to rise, and immediate solution is not in sight.

Joblessness can affect several aspects of a person’s life, but in the United States, it has mostly affected the capability of American homeowners to pay for their monthly mortgage payments. Unemployment has led to the increase in the rate of mortgage delinquencies.

According to the latest report from Equifax, one of the largest credit bureaus, in August 7.58 percent of American homeowners failed to make their monthly mortgage payment on time, up from 7.32 percent in July. These homeowners were more than thirty days late in their mortgage payments.

The latest statistics are alarming when compared to the statistics of two years ago. In August 2007, 3.44 percent of homeowners fell behind on their mortgage payments while in August 2008, it was 4.89 percent.

In addition, holding company, Moody’s, reported a 32 percent increase in personal bankruptcy filings in the month of August.

These statistics say a lot about the current financial condition Americans are experiencing. Unemployment is not only a struggle to have enough food on the table. It is also a struggle to keep the roof over one’s head. If this trend continues, it can lead to foreclosures.

The federal government, however, is optimistic. The housing market is showing signs that it is slowly recovering from the slump of the past few years.

The American consumers are also changing their spending habits. Despite the increase in mortgage delinquencies, Americans are keeping up with other bills. The Equifax report showed that credit card delinquencies dropped in August. The trend is consistent for the last three months. Subprime card delinquencies also fell.

Americans are also saving more. The current savings rate is 5 percent, which, according to Equifax, is a rate that the United States has not experienced in years.

There might be some truth to the cliché that for every bad thing that happens, a good thing arises.

With the government effort to revive the economy, the unemployment rate may decrease, and, as a consequence, mortgage delinquencies may also decrease. We will have to see.



Josh Harmatz is a seasoned veteran of the lending business and currently is the Chief Financial Officer for Voyage Home Loans, a Sacramento, California, mortgage business that is a direct lender of FHA loans.

An honors graduate from the School of Business at Sacramento State with both a BS and an MBA, he believes his higher education is the cornerstone of his success.

He operates his mortgage business with the highest integrity and a strong work ethic, while building reliable relationships with all of his clients. He is committed to his vision of improving business operations through technology, education, and trust.

Mar 30

Why Real Estate Investors Have Their Own Investment Criteria

Real-estate investing No Comments »
Real estate investors


Writing down your real estate investment criteria means writing down your needs and wants in a real estate deal. It means outlining what you are looking for in a real estate opportunity. Having written criteria can help you grow as an investor and can make it easier for you to land the best real estate deals.

If you to join the ranks of real estate investors, you might want to have formal written investment criteria set out for yourself. Putting your investment criteria in writing allows you to see at once whether possible investment opportunities do or do not fit your future plans. This allows you to quickly sort through potential opportunities to pinpoint the right ones.

Writing down your investment criteria also hones your focus and ensures that you have an easier time finding the best possible deals. Having written criteria also allows you to share your criteria with other real estate investors, so that you can learn from them. If you haven’t yet outlined exactly what your criteria are for selecting an investment property, now’s the time to put pen to paper.

When developing your written criteria, consider when you do not want to make an investment. What is the bottom line? Do you not want to make an investment at any time if you don’t understand it? Do you want to never make investments that you cannot pay for if everything goes wrong? Do you never want to make an investment where you cannot handle the worst-case scenario? Determine your comfort boundaries and the level of risk you are willing to accept or not accept, and put this in writing.

Next, when developing your written investment criteria, consider what your ideal investment would be like. What do you do to make sure that your investments are the best possible deals for you? Do you do a certain amount of research using specific sources? If so, write this down. Outline on paper the best real estate deal you ever put together. What were the steps you to that in to be an outstanding investor in that situation? What if you applied the same steps to every real estate deal you made? Would you generate more success from other opportunities? If so, outline exactly what you do when you are at your investment best, and add this to your written criteria. This will help ensure that every deal will at least have the opportunity of becoming as successful as your best deal ever.

Write down your money criteria. Where are you willing to go for financing? How much capital are you willing to put at risk? How comfortable do you feel taking risks with your money? What levels of risk are you willing to take? How are you going to secure your deals? Knowing how you will handle money is very important to you as an investor.

Finally, and maybe most importantly, outline the standards by which you wish to live as an investor. What are the ethical boundaries you’re not willing to cross? What you want to stand for as an investor and what sort of person do you want to be as an investor? This may seem abstract and very much up in the air, but it will help you outline exactly the sort of investment opportunities you want to capitalize on. The best real estate investors have a code of conduct, so you should, too.



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