Utah Salt Lake City
The Best of Salt Lake County!
Top 10 Mortgage Elimination Tips
0316 days
by jessee
in Mortgage Elimination
OK I have 11 choices for you. The number 11 just didn’t seem to be as catchy as 10, and the intent of the title is to get you to read the blog. There are 11 solutions to a foreclosure that you can choose from. They range from choices that enable you to keep your home, protect your credit or hurt you in unnecessary ways. There are also so called solutions that don’t work such as mortgage elimination which I will address in a future blog. If you are thinking about mortgage elimination please Google “mortgage elimination” and research the topic. I will explain each solution so that you can make a decision that is best for you and your family’s future. After all, your family’s future is the most important aspect of the entire foreclosure process.
1- Reinstating your loan is the least expensive and most effective way to stop your foreclosure. It is least expensive in terms of legal costs and any other associated costs not including the back payments. It is also the hardest to do because it requires you to pay all of the back payments plus attorney’s fees to your bank. If you have equity in your home it may be possible to get a hard money loan secured by the equity in your home.
2- Loan Modification is all the rage right now. In my experience it is the first thing people think of when they start to fall behind in their mortgage payments. Working on a modification is very stressful, takes dedication and great follow-up skills. You also need to qualify financially and have had some sort of hardship in the past that put you in the situation you are in. I have helped people at no cost that have successfully negotiated a modification with their bank. I have also been able to refer people to professional legal firms that their only business is foreclosure issues. Please call Gary at 801-635-4756 for a free consultation to decide which is the best for you: doing a modification on your own or hiring an attorney. The following link has great information about modifications www.checkmyNPV.com
3- The next most popular solution to a foreclosure is a short sale. As you know, a short sale is when you sell your home for less than it is worth. This is a great way to position you and your family for future home ownership if that is what you desire. A short sale has the least negative effect on your credit out of a foreclosure, bankruptcy or short sale. With some credit repair and a good plan you can purchase a home in two years. Of course I can help you every step of the way.
4- You can sell your home without doing a short sale if you have equity in your home. Good planning can make this a very positive outcome if you act in a timely manner.
5- Bankruptcy is an option a lot of people take. Let me start off by saying that for some people bankruptcy is a good alternative. Having said that, in my opinion, you should only file bankruptcy as a last resort. A bankruptcy DOES NOT STOP a foreclosure; it only postpones it. The payment schedules are also very strict. It is possible to file bankruptcy only to postpone the foreclosure so you can have time to negotiate a sale or short sale of your home. This can be the only alternative to foreclosure if you wait until a sale date has been issued for your home. This link can answer many of your questions about bankruptcy or you are welcome to call me to discuss at 801-635-4756 http://www.debtworkout.com/c13faq.html
6- Forbearance may be an option if you have a loan with a good fixed interest rate and the situation that caused you to become behind in your house payments is corrected. In general the bank will agree to give you more time than the standard foreclosure period to get caught up on your mortgage.
7- Walking away from your home should NEVER be an option. This is the worst case for your credit and can take the longest to recover from. Even if you have to leave your home for any reason, a sale or short sale can be completed even of you are half a Country away. Never do this.
8- Short term financing or a hard money loan is a possibility if you have equity in your home. Sometimes a credit union will give you a loan if you have equity in your home regardless of your credit scores. A hard money lender will usually give you a loan secured with your equity but the interest rates are higher than a normal mortgage. Be very careful if you go this direction. Read and understand every word in every document you sign.
9- Refinancing is usually not an option but if your payment is only one or two months behind your current bank may be willing to work with you on a refinance.
10- Deed-in-Lieu of Foreclosure is where you give the deed to your home to the bank and the bank becomes the owner through a formal document. These agreements can be difficult to obtain and you should certainly consider a sale or short sale first.
11- Rent your home is an option if you can’t afford your payment but the market will support enough rent to cover your payment. This can give you time to downsize and then move back into your home sometime down the road. You will have to bring you mortgage current though.
Keep in mind that a solution that directly involves your bank is subject to their procedures, work load and even the person you are working with. Each bank is different and each representative is different which means what worked for one person may be totally different for another person in a similar situation.
Remember, take action and start the process whatever you plan to do.
Mesothelioma Lawsuit Utah
0331 days
by djessee
in Salt Lake City County
Mesothelioma Lawsuit Utah: WHAT IT IS…
What it is
Mesothelioma is a rare, fatal cancer. Its only confirmed cause is exposure to asbestos, the mineral that is present in thousands of products in countless buildings across the U.S. People can contract mesothelioma after inadvertently breathing in the microscopic fibers of asbestos that are in the air.
Often Misdiagnosed
It’s estimated that between 2,000 and 3,000 people die each year from mesothelioma in the U.S. The numbers are hard to verify because mesothelioma is often misdiagnosed as another type of cancer. Mesothelioma usually attacks the mesothelium, which is the tissue lining inside the chest hollow space, around the lungs and sensitivity. It can also attack the stomach lining, the pericardium (the tissue covering the sensitivity), and other internal organs. Many physicians are not familiar with mesothelioma, and they may not recognize it when they encounter it.A
Long Latency Period
According to the U.S. Centers for Disease Control and Prevention (CDC), most of the cases of mesothelioma are diagnosed at least 30 years after the uncomplaining’s first exposure to asbestos. The diagnosis is most common amongst asbestos workers (civilian and military), their family members, and people who live accurate to asbestos mines.
Mesothelioma Symptoms and Life Expectancy
The life expectancy for a person who has been diagnosed with mesothelioma is only about 18 months, but this can vary widely, depending on the uncomplaining’s age, general health, medical history, stage of the disease, and other factors. It’s excellent to be aware of the notification symptoms of mesothelioma, because the sooner it is found and diagnosed, the better the chances of a longer life expectancy. The symptoms and signs of mesothelioma that may be experienced are:
- a mass in the tummy
- abdominal pain and/or swelling
- anemia, fatigue
- buildup of fluid in the tummy
- bowel problems
- chest pain
- cough, wheezing, and/or hoarseness
- pain under the rib cage
- shortness of breath
- consequence loss
Malignant Mesothelioma Lawsuit Utah: LEARN MORE IN DETAIL…
Watch video to learn more…
Asbestos Mesothelioma Lawsuit Utah: WHAT YOUR OPTIONS ARE
What Now?
Although here’s no cure yet for mesothelioma, here are treatments that may help slow its progression and metastasis (spreading). These include surgery, chemotherapy, radiation therapy, and combination therapy. If you reckon that you may have mesothelioma, or that someone in your family may be at risk for this cancer, be sure to talk with your doctor about it as soon as doable or contact a lawyer who is knowledgeable in the area to help you with the best plot of action
Thanks for visiting Mesothelioma Lawsuit Utah
Facts About Utah
0332 days
Facts About Utah
Fascinating Facts About Utah
Top Facts About Utah
- State symbol: The Beehive symbolizes frugality and industry.
- State animal: The Rocky Mountain Elk.
- State fish: The Rainbow Trout.
- Completion of the world’s first transcontinental railroad was celebrated at Promontory where the Central Pacific and Union Pacific Railroads met on May 10, 1869. It is now known as Golden Spike National Historic Site
- Utah is the site of the nations first department store. Zions Co-operative Mercantile Institution was established in the late 1800′s. It is still in operation today as ZCMI.
- The Mormon Temple in Salt Lake City took 40 years to complete. The Mormon temples in St. George, Manti and Logan Utah were completed before the Salt Lake Temple.
- Interstate 70 enters the eastern edge of the state, from Grand Junction Colorado, and ends where it intersects Interstate 15, near Cove Fort. This section of Interstate 70 is one of the most deserted stretches of Interstate in the United States.
- Rainbow Bridge, Scenery’s abstract sculpture carved of solid sandstone, is the world’s leading natural-rock span. It stands 278 feet wide and 309 feet high.
- The Splendid Salt Lake covers 2,100 square miles, with an average depth of 13 feet. The deepest point is 34 feet.
- The average snowfall in the mountains near Salt Lake City is 500 inches.
- Because of the state’s inland location Utah’s snow is unusually dry. Earning it the reputation of having the world’s greatest powder. 14 Alpine ski resorts operate in Utah.
- Utah mountain peaks, on average, are the tallest in the country. The average height of the tallest peaks in each of Utah’s counties is 11,222 ft.-higher than the same average in any other state.
- Salt Lake City was originally named Splendid Salt Lake City. Splendid was dropped from the name in 1868.
- The Uinta mountain range is named after the Ute Indians.
- The Wasatch mountain range is named after a Ute Indian name meaning “mountain pass” or “low place in a high mountain”
- The name Utah comes from the Native American Ute tribe and means people of the mountains.
- During World War II Alta ski focal point became involved in the war effort when paratroopers from the 10th Mountain Regiment trained on its slopes.
- Annual precipitation varies from less than five inches in Utah’s arid Splendid Salt Lake Desert to more than 60 inches in the northern mountain ranges.
- Utah’s professional sports teams include the Utah Jazz of the NBA, the Salt Lake Buzz of Triple A baseball, the Utah Grizzlies Hockey club of the International Hockey League and the Utah Starzz of the WNBA.
- Utah has five national parks: Arches, Canyonlands, Zion, Bryce and Capitol Reef.
- Utah has seven national monuments: Cedar Breaks, Natural Bridges, Dinosaur, Rainbow Bridge, Grand Staircase-Escalante, Timpanogos Cave and Hovenweep.
- Utah has two national recreation areas: Flaming Gorge and Glen Canyon.
- Utah has six national forests: Ashley, Dixie, Fishlake, Manti-LaSal, Uinta, and Wasatch-Cache.
- On February 8-24, 2002, Salt Lake City will host the XIX Olympic Winter Games. Along with more than 2,000 athletes from 85 nations, the world will share in the drama and excitement of 75 medal events in 10 different sports.
- The Escalante River is generally considered to be the last foremost river to be “exposed” in the contiguous United States.
- The controversy surrounding the construction of the Glen Canyon Dam and Lake Powell is often cited as the beginning of the modern-day environmental movement.
- Capitol Reef National Park protects The Waterpocket Fold a 100-mile long wrinkle in the earth’s crust known to geologists as a monocline. The Waterpocket Fold extends from Thousand Lakes Mountain to the Colorado River.
- Cedar Hills is built upon an alluvial fan or bench, made thousands of years ago when it was a shoreline of Lake Bonneville.
- Fillmore was Utah’s first territorial capitol and was named for U.S. President Millard Fillmore. The statehouse was never completed, but the first wing remains Utah’s oldest governmental building and now serves as a state museum.
- The Heber Valley Railroad’s magnificent steam engine and ten passenger railroad cars have been filmed in over 31 motion pictures over the past 20 years.
- The 4th Fighter Squadron at Hill Air Force Base, also known as the Fightin’ Fuujins, became the U.S. Air Force’s first operational Tactical Fighter Squadron in March 1980. The squadron’s nickname, “Fuujin”, refers to the Okinawan god of wind.
- The city of Hurricane lies in line with traffic going to the National Parks and Lake Powell. Average daily traffic on Hurricane’s State Street is 7,397 visitors per day, or over 2.7 million visitors a year.
- Tuacahn High School for the Performing Arts located in Ivins is the first charter school in the state of Utah. The name Tuacahn comes from a Mayan word meaning “Canyon of the Gods.”
- Kanab is called “Park Central” because it is located only minutes away from a grand array of three (3) national parks, three (3) national monuments, one (1) national recreation area and two (2) state parks. Two (2) national forests and the Chest of drawers of Land Management (BLM) wilderness areas also surround Kanab.
- Kanab is known as Utah’s Small Hollywood because of the large number of motion pictures that are filmed in the area.
- Kaysville became a city on March 15, 1868 the first city to be incorporated in Davis County.
- La Verkin at the entrance to Zion National Park is a gorgeous valley and is called the “Backyard Spot of Dixie”.
- Beaver is the birthplace of two very well-known individuals of the past, Philo T. Farnsworth, the inventor of television and Butch Cassidy, the notorious western outlaw.
- Utah is the only state whose capital’s name is made of three words. All three words in Salt Lake City have four letters each.
- Utah was bought by the United States in 1848 in the treaty ending the Mexico War.
- Utah has 11,000 miles of fishing streams and 147,000 acres of lakes and reservoirs.
- The name “Utah” comes from the Native American “Ute” tribe and means people of the mountains.
- Utah covers 84,900 square miles of land and is ranked 11th leading state in the United States.
- The centralized government owns 65% of the state’s land.
- The Splendid Salt Lake, which is about 75 miles long and 35 miles wide, covers more than a million acres.
- The television series “Touched by an Angel” is filmed in Utah.
- The leading public employer in Utah is the Utah State Government.
- The Navajo Indians were referred to by the Apache as “Yuttahih” meaning “one that is higher up.”
Thanks to Janice Bryant, Utah Facts Online 1997-98, Rebecca, Emma
Thanks for viewing Facts About Utah!
Clean humor
0332 days
by djessee
in Clean Humor
Clean Humor
Clean Humor about BYU
Clean Humor about U of U
GROUNDHOG DAY
Q: What do you get when you crossbreed U. football and a groundhog?
A: Six more weeks of bad football!
UTAH BY 5 . . . TIMES
A fellow walks into a restaurant, orders a drink and asks the waiter if he’d like to hear a good BYU joke. “Listen, buddy,” the waiter growled. “See those two big guys on your left? They were both linemen on the BYU football team. And that huge fellow on your right was a world-class wrestler at the Y. That guy in the corner was the Y.’s all-time champion weightlifter. And I lettered in three sports at the Y. Now, are you absolutely positive you want to go ahead and tell your joke here?”
“Nah, guess not,” the man replied. “I wouldn’t want to have to explain it five times.’
DON’T FORGET THE TIP
Q: How do you get a U. of U. grad off your front porch?
A: Pay him for the pizza.
HALF-WIT
Q: What do you call a Cougar with half a brain?
A: Gifted.
THAT SMARTS
Q: What do you call an intelligent person in Cougar Stadium?
A: A visitor.
DEGREE TO GO
The engineer who graduated from Utah State asks, “How does that work?”
The engineer who graduated from BYU asks, “How can I make that work better?”
The engineer who graduated from the U. of U. asks, “Would you like fries with that?”
TEST CASE
Q: What does the Ute student get on his SAT?
A: Drool.
OH-OH ORSON
It’s a good thing that Orson Pratt was not made president of the LDS Church. Otherwise BYU would have been named OPU.
LIGHT U. UP
Q. How many U. of U. graduates does it take to change a light bulb?
A. Answer unknown. Still searching for a U. of U. graduate with the qualifications to do such a task.
LIGHTEN UP II
Q: How many Utes does it take to change a light bulb?
A: Just one. . ..but he gets three credit hours for it.
LEARNING CURVE
Q: How many BYU freshmen does it take to change a light bulb?
A: None, it’s a sophomore course.
SWIMMING WITH COEDS
Q: How did the first BYU coed get to America from Europe?
A: She swam.
Q: How did the second BYU coed get to America?
A: She walked across on all the dead fish.
TUSK, TUSK, TUSK
Q: What’s the difference between a BYU coed and an elephant?
A: About 10 pounds.
Q2: How do you make it even?
A2: Force-feed the elephant.
ON THE LOOKOUT
Q. How do you tell the difference between a BYU coed and a U. of U. coed?
A. The BYU coed is looking for a husband. The U. coed is looking for the father.
M-I-C-K-E-Y M-O-“U”-S-E
The son of a very rich Arab sheik was graduating from college. The sheik went to his son’s roommate and told him, “I really appreciate all the help you have given my son while you two were in school. Just name a gift, and I will buy it for you.”
The roommate thinks about it and tells the sheik, “Ever since I was a little kid, I’ve always wanted a real Mickey Mouse outfit.”
So the sheik bought him the University of Utah.
NO ONE IN HIS RIGHT MIND
Q: How do Cougar brain cells die?
A: Alone.
RINKY-DINK AFFAIR
Two BYU students decide they want to try ice fishing.
They go and buy all the necessary equipment and load up their pickup.
In the process, the students realize they don’t know where to go to try out this new sport.
Finally, after about three hours of intense brainstorming, one student thinks of the perfect spot.
They drive to the spot, unload their equipment and make their way onto the ice in search for the perfect location. They cut a hole in the ice and begin to fish.
About three minutes pass when out of nowhere a booming voice is heard: “THERE ARE NO FISH BENEATH THE ICE!”
Completely confused and scared, the two students stop and look around but see no one.
“Did you hear that?” ask one student. “Yea. Who was it?” responded the second student.
Confused but determined, both students continue to fish.
A minute passes, and they hear again: “THERE ARE NO FISH BENEATH THE ICE!”
Dazed and frightened, one BYU student stands up, looks to the heavens and asks “Is that you, God? Are you trying to help us?”
The voice responds “No, you idiot, it’s the ice rink manager. Now get off our ice!”
CURSES! SOILED AGAIN
Q: Why did the BYU grad only change her baby’s diaper once a week?
A: The box said 9 to 11 lbs.
DOUBLE-WIDE LOSS
Q: Why are a tornado and a Ute divorce similar?
A: You know someone is going to lose a house trailer!
BOOK ‘EM
A fire gutted the U. library the other day causing $6.95 worth of damage . . . It could have been worse but someone had the coloring book checked out.
GOING DOWN WITH THE PICKUP
Three BYU graduates were riding in the cab of a pickup across a bridge. Three U. grads were riding in the back of the pickup. The pickup went off the road into the water and sank. The BYU grads rolled down the windows, got out, and were able to swim safely to shore. The U. grads drowned because they could not get the tailgate down.
ON TRACK
As two BYU grads walked through the countryside, they noticed some tracks. The first asked, “Deer tracks?” The second replied, “No, bear tracks.” However, the conversation ended abruptly when a train hit them.
SECOND-GUESSING
LaHurl had been attending BYU for 6 years without going on a mission and still did not have enough credits to graduate.
At the commencement ceremony with almost the entire student body assembled a chant broke out: “Let LaHurl graduate, Let LaHurl graduate!”
The university president, realizing he had a potential riot on his hands and being depressed at the thought of having LaHurl return for another year, calmed the crowd by announcing that if LaHurl would come up and answer a one-question exam, he would give LaHurl a diploma.
LaHurl jumped up on the stage and the president said, “You have one chance, LaHurl, What is 9 times 9”? LaHurl beamed and blurted out 81.
A stunned silence followed. Then a murmur. Then one cry, then another, soon the whole throng was chanting, “Give him another chance! Give him another chance!”
CHICKEN FEED
A U. of U. grad decides he wants to raise chickens. So he goes to the feed store, buys a bunch of baby chicks, plants ‘em feet-first in the ground, and sadly after a couple days they die.
He figures he’s doing something wrong, so he goes back to the feed store and buys more chicks. This time he plants ‘em headfirst, and they die even faster.
Now this U. of U. grad is at his wit’s end, so he decides to write to his alma mater, tell them what he’s doing, and see if maybe they have any suggestions.
Two weeks later he gets a note back from the university asking for a soil sample.
SHOUT IT OUT!
Two BYU Cougars and one Utah Ute were all in prison awaiting execution by firing squad.
One Cougar said, “When we each go to be executed, just shout a warning like a disaster is about to happen. When it catches them off guard, we can escape.”
The first Cougar went to be executed. The guard said, “Ready. Aim..” The Cougar yelled out “Hurricane!!” When the firing squad hid, he climbed the wall and escaped.
The second Cougar stood before the squad and when the time came, he yelled “Earthquake!!” He likewise escaped.
The Ute stood before the firing squad. The guard said, “Ready, Aim..” Just then the Ute yelled, “FIRE!!”
PUPPY LOVE
Q: What’s the difference between BYU fans and a litter of puppies?
A: Eventually, the litter of puppies grows up and stops whining.
DEM BONES
Q: Did you hear about the skeleton they found in a closet in one of the dorms at BYU?
A: It was the 1963 hide-and-go-seek champion!
ON MY HONOR
Q: Did you hear about the BYU Honor System?
A: Yes, Your Honor; No, Your Honor.
NO WHINE BEFORE IT’S TIME
Q: What is a BYU coed’s favorite after-game wine?
A: “When we gonna get married?”
DRESS FOR SUCCESS
Q: What do you call a Ute in a three-piece suit?
A: The defendant.
BIG G, LITTLE O
Q: What is the difference between the U. of U. football team and a bowl of Cheerios?
A: The Cheerios belong in a bowl!
9-1-1 OF A KIND
A Cougar football player smelled smoke in the gym and rushed to the phone to report a fire. “How do we get there?” the dispatcher asked. The Cougar hesitated a moment. “Don’t you have red fire trucks anymore?”
LOOSE CHANGE
Q: What’s the difference between the Utes and a dollar bill?
A: You can still get four quarters out of a dollar.
GROUNDHOG DAY
Q: What do you get when you cross-breed U. of U. football and a groundhog?
A: Six more weeks of bad football!
U. OF MOO
Q: Why did the U. decide to put artificial turf in the stadium?
A: To keep the cheerleaders from grazing
AN UPRIGHT NEIGHBORHOOD
Q: How do you keep a Ute out of your front yard?
A: Put up some goalposts.
PLAYIN’ POSSUM
Q: How is a Ute like a possum?
A: Both play dead at home and usually die on the road.
I’LL TRANSFER U.
Q; Did you hear about the football player who transferred from the U. to BYU?
A: It greatly raised the academic standing of both institutions.
FAMILY TIES
Ron McBride, clearly upset about the blue dynasty to the south getting all the national acclaim, goes to a BYU practice and asks LaVell Edwards, “Coach, how is it that year after year after year you manage to have such great football teams? What’s your secret?”
LaVell responds by calling Kevin Feterik over. “Kevin,” LaVell asks, “who’s your father’s brother’s nephew?” Feterik answers, “Why, coach, that’s easy. It’s me.”
LaVell turns to McBride and says, “That’s the secret, Ron. A smart quarterback. You’ve got to have a smart quarterback.” Thinking he’s finally got all the tools he needs, McBride returns to the Ute work-out. He promptly calls over Jonathan Crosswhite.
“Crosswhite! Who’s your father’s brother’s nephew?”
Crosswhite looks perplexed, thinks a minute and says, “Coach, can I get back to you after practice on that one?” McBride (disgusted) says, “OK.”
During practice, Crosswhite calls over Chris Fuamatu-Ma’afala.
“Chris, coach just asked me the weirdest question. Who’s your father’s brother’s nephew?” Says Fuamatu-Ma’afala: “Duh! That’s easy. It’s me!”
After practice, Crosswhite catches up with McBride: “Coach, I think I’ve got it. My father’s brother’s nephew is Chris Fuamatu-Ma’afala.”
McBride (angry): “No, No, NO! You idiot!! It’s Kevin Feterik!!!”
TRUE-BLUE COLORS
Entering a store, a man said, “I would like a white hat, blue pants, a white shirt and blue shoes.”
The clerk asked “Are you a BYU fan?”
“I sure am,” the man said, sticking his chest out. “How did you know? The color combination?”
“No,” replied the employee. “This is a hardware store.”
NOSE JOB
Q: What do you have to do to break a BYU football player’s nose during the BYU-U. of U. game?
A: Simple, just hit his elbow.
Thanks for visiting Clean Humor