Mortgage Modification Companies – Are They Legit

Facing possible foreclosure is indeed a highly stressful situation for any homeowner; this is your home, your security, your future! Deciding to go it alone or have a mortgage modification company assist you can be very confusing and only adds to your stress! Which is best for you? Are there mortgage modification companies out there that are legitimate?

Let’s first look at going through the process on your own. Depending upon your lender there are many requirements that must be met to qualify for a mortgage modification. There are a lot of forms and crucial information that must be presented correctly and accurately if you hope to qualify. You can do the research required; you can contact your lender yourself as millions have and had very successful outcomes! The key here is to do your homework! Make sure you know exactly what your lender requires! Leaving out even one form or one piece of vital information could be the determining factor in qualifying and getting approved! If you are comfortable doing the research and filling out the forms and in dealing directly with your lender than you can certainly do this on your own!

If you don’t feel quite as confident and want help, it is available! There are legitimate mortgage modification companies that will walk you through the process and deal with your lender so you don’t have to. You do need to do some homework before choosing someone to assist you! There are some scams out there to be wary of! Mortgage modification companies will charge a fee that can be thousands of dollars. For many homeowners it is worth paying that fee for the security of knowing the company is dealing with the lender to get you the best possible modification loan. The choice is truly up to you! Make sure to investigate the mortgage modification companies prior to choosing one to work on your behalf.

You can also hire an attorney to help you with the loan modification process. Usually an attorney will charge more than the mortgage modification companies will because an attorney is on retainer. Keep in mind that you do not need an attorney for this process, again that is up to you!

Making Informed Investment Decisions

Making an investment is an extremely important decision, not just for business houses but also for individuals. It is crucial that investors consider a few things before they make their investment decision for certain. Market factors are very important and they should be given prime consideration, as they define the future of your investments.

As the global markets are still recovering from the hard-hitting subprime crisis of 2008, taking market factors into consideration have never been so important ever before. It is also necessary that investors consider their long-term goals and not just short-term interests before making an investment. This helps with avoiding a bad or rash investment decision. Let us have a look at some of the important points that demand consideration at the time of an investment:

1. Having an emergency repository of funds: It is a given that all investors must compulsorily have an emergency fund of sorts to help them cope with future exigencies, such as sudden falls in the market, unemployment, and so on. This emergency fund can be built using a portion of the monthly salary over a considerable period of time or alternatively, channeling a large part of the same towards building the fund over a lesser period of time. This would depend on personal choices and financial ability, etc.

2. Assessing ones financial position: Before entering the world of investing, it is extremely important that potential investors take time and conduct an assessment of their financial position. This step is mainly to help potential investors understand their financial risk-taking capacity and also their plan-goal compatibility, while taking the market conditions into consideration.

3. Pre-caution from fraud: Given that the markets are still only just recovering, it is not rare to find fraudulent practitioners in the world of finance and investment. Therefore, it is always advisable to be on the alert for fraud. One way to avoid entering into deals with fraudulent companies is by investigating their authenticity through research, and also checking with friends and family who are also aware of and are engaged in investment.

4. Types of assets and spreading investment risk: Out of stocks, bonds and cash, seldom does one see the simultaneous rise of all three types of assets at the same time. Therefore, it is best if the investor spreads his or her risk and decides to invest in more than one type. That way, in the event that the value of your investment in one type falls, the investment in the other is still available to compensate or fall back on.

How To Get The Entrepreneur’s Magic

Have you ever noticed how highly successful entrepreneurs seem to attract success as if by magic, while others struggle as if the odds are stacked heavily against them?
What do you think is the key element that allows their almost effortless success?

Is it their background?
Well, a recent study of a group of successful entrepreneurs revealed that they all came from a range of different backgrounds, some from very poor backgrounds. Despite the different circumstances from where they started, they were still able to attract success. So, having a privilege background is no guarantee of success.

Is it their brain power?
Quite a few of them had very little formal education at a high level when they started out on their road to success.

Is it that they bought lots of personal development CDs and books?
Some of them had never even heard of goal setting!!

Is it the quality of the support they receive from friends and family?
No, some were discouraged by friends or family for trying to change their current circumstances.

Is it that they were loved more as children?
A few of them were orphans and had a pretty miserable childhood.

Is it that they dont watch TV or avoid reading the papers?
No, they read the newspapers, and watched television.

So, if none of these factors directly contributed to their success, how were these entrepreneurs all with different circumstances, able to achieve their dreams of creating wealth?

If you were to gather them all in a room and ask the question, What is the secret to your success?,the answers would be all different. But, if you looked a little closer at the answers, you would discover one key ingredient. It wouldnt be obvious at first, but it would be very evident.

And that key ingredient would be fear.

Fear is an important part of success, and its fear that keeps so many of us from reaching our goals, or fulfilling our dreams.

Learning how to conquer your fears is a very big part of attracting the success into your life that seems to have been eluding you. Its a key ingredient that entrepreneurs have to master on their path to success.

Given their varying backgrounds, entrepreneurs were pushed into action by the fear of not achieving their goals and the consequences of failure.

The Top 10 Model Train Shops In Illinois

For the past year I’ve been compiling a list of model train stores for my model railroading website. These shops all look like fantastic places to visit, but what are the most popular? Here is a list for the great state of Illinois.

The most popular model railroading shops (based on online chatter) in the state of Illinois are:

10. Ace Hobby Place in Chicago

9. Hammers Hobbies in Springfield

8. Woodstock Hobbies in Woodstock

7. B and G Train World in Elgin

6. Denny’s Trains and Things in Oswego

5. Americas Best Train Toy and Hobby Shop in Itasca

4. Prospect Bikes and Trains in Mount Prospect

3. Spring Hill Northern Train Supply in Richmond

2. Chicagoland Hobby in Chicago

…and the most popular shop for model trains in Illinois is…

1. First Hobby in Decatur

Hobby shops not quite making my top 10 were Al’s Hobby Shop in Elmhurst, Atomic Toy Company in Galena, Berywn’s Toy Trains and Models in Berwyn, Choo Choo Connection in Schaumburg, Des Plaines Hobbies in Des Plaines, Ed’s Hobby Warehouse in Palos Hills, Golden Spike Train Shop in Burbank, Grayslake Hobby World in Grayslake, Hands To Work Railroading in Alsip, Hauff Hobbies and Train Repair in Glenview, Hill’s Hobby & Collectors’ Shop in Buffalo Grove, Hobbies R 4 U in Bradley, Hobby City in Berwyn, K-10’s Model Trains in Maryville, LaGrange Hobby Center in La Grange, Leisure Hours Hobbies in Joliet, Mike’s Scale Rails in Peoria, Oakridge Hobbies and Toys in Downers Grove, Past-Time Hobbies in Brookfield, Pat’s Hobbies Oak Lawn, Pizza Express LGB Train Shop in Carterville, Rossville Depot Railroad Museum in Rossville, Royal Hobby Shop in Rockford, Sweetname Hardware and Model Train in Peoria, Thunder Road Hobbies in Moline, Tom Thumb Hobby and Crafts in Evanston, Trains and Toys of Yesterday in in Morton Grove, Venture Hobbies Wheeling, Wabash Junction in Springfield, and Walt’s Hobby Shop in Joliet.

Also in Illinois be sure to visit some of the great railroading museums including Chatham Railroad Museum in Chatham, Chicago Great Western Railway Depot Museum in Elizabeth, Illinois Railway Museum in Union, Kankakee Railroad Museum in Kankakee, Monticello Railway Museum in Monticello, Museum of Science and Industry in Chicago, and Union Depot Railroad Museum in Mendota.

I compiled this list by searching for the hobby shops listed on a number of search engines and ranking them by the number of web pages, discussion forums, photos, videos, etc that are available online. I further screened this list to include only pages that mentioned model railroading.

Local Website Development Company Celebrates Milestone

The company, whose clients range from local small businesses to regional and national companies, has flourished since moving into the bespoke offices in April 2011. It has been one milestone after the other. states owner Colin Harris. We have grown so much in such a short space of time, from just myself to 4 of us. It seems like every week theres something new to celebrate but none of this would be possible without having such great staff and brilliant customers to work with.

We are constantly looking to offer more to our clients. We now offer a Print and Design service, help customers with Social Media and are creating our first ever mobile applications. Our aim is to help business increase their returns or add value. Having a website is no longer enough we are helping businesses to make the most out of them.

John Brown, who is also celebrating a first year anniversary with the company, works as a website designer for Colin. He also lives in Amble and sees the importance of having growing businesses in his home town. Its great for both Amble and me that there are such businesses like this to work for. The last 12 months have been very good and challenging and Ive enjoyed the projects I have worked on.

There are no plans to slow down in Year 2. Colin is currently recruiting for 2 additional members of staff to bring up the total to 6. The values of the company will however remain intact. Our focus is always with the customer – what clients want, servicing them as best we can and helping them to make the most out of the web for their business. says Colin. As we grow, so do they. Many of our clients are taking their websites to the next level on the back of work we have done previously and you cannot have a better endorsement than that.

You can find out more by visiting the companys website at www.colinharris.net.

Emerging Market Investment Advice Tips

The emerging market describes a broad range of markets from second and third world countries. It encompasses economies such as China and Brazil, together with countries in Africa and Asia. Generally, the term emerging markets represents economies which are as yet not fully developed, and subsequently an investment in an emerging market can often be high risk but has the potential to yield great returns as their economies are still developing.

If you are considering investing in emerging markets, these advice tips are worth considering.
Do not put all your eggs in the one basket: No financial portfolio should be tied up with just one investment, and any investment in the emerging market should not comprise a dominant percentage of a portfolio.

Long term view: The emerging market has been likened to investing in America in the 1920s as over forty years an investor would have gained a substantial return on any investment. In that time he would have seen prices drop through the floor. This is similar to emerging market investment today, so be prepared to take a long term view to good returns.

Advice: Obtaining general advice on the emerging market is essential, especially if you are new to financial investment. Financial advisors, banks, and other institutions seem like good places to gain valuable advice on the surface. More often than not however, the investor who seeks guidance from these places often pays for advice they do not need, as many of the best decisions can and should be handled by the investor.

A few financial investment companies have realised this and take a hands off approach and only step in with general advice if needed. These are the companies to turn to when guidance is needed.
Commissions: It goes without saying that any financial investment company is going to charge commissions, and subsequently it makes sense to look for a company that charges low rates. Some offer 0% commission initially, and this is a good place to start.

Risk vs. Return: Any investment into the emerging market is high risk. The returns however, have the potential to be considerable and subsequently an emerging market investment becomes a viable option. It is possible to invest in a country or into a fund which in turn is managed by a fund manager.

The latter becomes a question of faith and trust in that manager to do the right thing with your money, so the decision to choose a financial investment company with a view to fund management should not be taken lightly.

Currently, China and Brazil are often seen as good choices for emerging market investment.

Ultimately it is important to realise that as an investor you need to be in control of the fund, even if it is supervised by a fund manager. Some financial companies give you that control, and it is worth spending sometime to find a financial investment company like this.

The Top 10 Model Train Shops In Virginia And West Virginia

For the past year I’ve been compiling a list of model train stores for my model railroading website. These shops all look like a lot of fun to visit, but what are the most popular? Here is a list for the states of Virginia and West Virginia.

The most popular model railroading shops (based on online chatter) in Virginia and West Virginia are:

10. Rick’s Hobby Shop in Roanoke, Virginia

9. Chesterfield Hobbies in Midlothian, Virginia

8. Riders Hobby Shop in Sterling, Virginia

7. Whistle Stop Hobbies in Alexandria, Virginia

6. Trains Etc. in Lorton, Virginia

5. Engine House Trains in Virginia Beach, Virginia

4. Main Street Trains in Barboursville, West Virginia

3. KMA Junction in Manassas, Virginia

2. Piper Hobby in Chantilly, Virginia

…and the most popular shop for model trains in Virginia and West Virginia is…

1. Locust Grove Trains in Locust Grove, Virginia

Hobby shops not quite making my top 10 were Awesome RC and Hobbies in Fredericksburg, Virginia; Craftech Hobby Shop in Norfolk, Virginia; Davis Hobby Supplies in Portsmouth, Virginia; Debbies RC World in Chesapeake, Virginia; Dunn’s Toy and Hobby in Manassas, Virginia; Hobby Works in Fairfax, Virginia; Leesburg Hobbies and Collectibles in Leesburg, Virginia; Rail Yard Hobby Shop in Roanoke, Virginia; Staunton Trains and Hobbies in Staunton, Virginia; Train Depot in Manassas, Virginia; Train Town Toy and Hobby in Ashland, Virginia; Walt’s Hobby Shop in Petersburg, Virginia; Cain’s Trains and Hobbies in Bunker Hill, West Virginia; Fountain Hobby Center in Charleston, West Virginia; Kid Country Toys in Charleston, West Virginia; Nitro Hobby and Craft Center in Nitro, West Virginia; Patrick’s Trains in Wheeling, West Virginia; Stephens Outdoor Railways in Vienna, West Virginia; and West Virginia Hobbies and Crafts in Teays, West Virginia.

So, there are lots of great model railroading shops from all over Virginia and West Virginia, but clearly Virginia dominated the list with nine in the top ten. This isn’t too surprising as Virginia is a bigger state with a bigger population and more hobby shops than West Virginia.

When in Virginia and West Virginia be sure to visit some of the excellent railroading museums including Eastern Shore Railway Museum in Parksley, Virginia; Fairfax Station Museum Railroad Museum in Fairfax Station, Virginia; Virginia Museum of Transportation in Roanoke, Virginia; Princeton Railroad Museum in Princeton, West Virginia; West Virginia Railroad Museum in Elkins, West Virginia; and Williamson Area Railroad Museum in Williamson, West Virginia.

I compiled this list by searching for the hobby shops listed on a number of search engines and ranking them by the number of web pages, discussion forums, photos, videos, etc that are available online. I further screened this list to include only pages that mentioned model railroading.