Getting Legal Help for Mortgage Modification

Apart from losing your property, a foreclosure may also mean a negative impact on your credit score. How do you prevent this from happening? Sometimes, financial problems may lead to failure in mortgage payments that inadvertently lead to foreclosure. In such a situation, a mortgage modification may be an effective solution.

How do you approach this? It is necessary to get advice from a real estate attorney to handle it properly. He/she would have in-depth knowledge of the Illinois laws relevant to the matter. The following tips could help if you are trying to get a modification to the mortgage plan.

Plan every detail. Initially, this was available for homeowners in default, for a period of 90 days. However, nowadays, this is not a requirement. If your financial situation seems grim, it is better to plan even before you actually default on your loan. This gives you enough time to prepare for it.

Get legal advice. Consulting a real estate attorney in Chicago can be of immense help. A legal professional specializing in loan modification may help you with the planning and negotiation. Moreover, he/she could also help you find out the actual lender, whom you have to negotiate with to avoid foreclosure.

Gather all relevant documents. You would need to provide your lender adequate details pertaining to your financial situation, especially the income and expense details. Therefore, you need to gather documents like your pay-stubs, income tax return, savings and other assets, second mortgage or other credit and so on.

Prepare the hardship letter. This helps the lender understand the reason you got into the financial mess. Explain the details of your situation, and the reasons for it, in simple and lucid terms. Do not exaggerate or fabricate. Do not write a very long letter (no lender would have the patience of going through a five page letter).

Negotiate with patience. You can do it on your own if you have enough knowledge and experience. Get your attorney for help if you are not very confident. Do not settle for an amount that you would be unable to pay. Negotiate with the lender in the presence of your attorney. Still better, let the attorney do it on your behalf.

Finally, do not opt for an attorney who asks for upfront fees. You may be in for a shock as many such services are fraudulent. Choose a reputed and reliable legal advisor to prevent the foreclosure.

If you have come across any legal issues and do not know what to do and whom to ask, exploit this Houston Lawyer Directory to hire a professional lawyer to deal with your case.

Fashion & Art a Potent Potion!

By Beverly Pereira Photography: Courtesy Tarun Tahiliani & The Singh Twins

Tarun Tahiliani’s Spring Summer 15 collection showcased at the Lakme Fashion Week Summer Resort 2015 features motifs, imagery and colours inspired by the celebrated art of the British-Indian Singh Twins…

Fashion and Art are not exactly strange bedfellows. Think Andy Warhol’s portrait of Yves Saint Lauren or Warhol’s iconic flowers that played muse to Prada’s Spring 2013 collection. More recently and closer to home, Tarun Tahiliani has collaborated with the internationally acclaimed Singh Twins, whose works of art play muse to his Lakme Fashion Week Spring Summer -15 collection.

The London-born, Liverpool-based Singh Twins, Amrit and Rabindra, describe their work as -past modern’ as opposed to Post Modern, portraying their Indian and British identities through the application of eastern and western aesthetics. Using motifs that represent British Asian life, cityscapes and pop culture, their work is tinged with the personal and the political and can be viewed as a social commentary with tongue-in-cheek humour.

Hugely inspired by this melange, the designer launched a ready-to-wear fashion line at the Wills India Fashion 2014 in Delhi as an ode to the Singh Twins’ art. He has now crafted garments for the Mumbai Lakme Fashion Week that bring to life the Twins’ well-received Indian miniature paintings, detailed black and white drawings and digital mixed medium art that explores an exclusive relationship with their home city of Liverpool.

Tarun, himself, is known to skilfully blend the modern and the traditional and augmenting this with the Twins’ affinity for reviving the age-old technique of miniature painting and the juxtaposition of modern iconography has led to a range of digitally printed separates – kaftans, jewel tees, dhoti skirts, lungi skirts, leggings and dresses etc. Some colour palettes and elements have been creatively reworked by the designer to harmonise with the collection. The twins’ Wheel of Fortune has been incorporated as a whole on to a Tahiliani kurta, while decorative motifs from their black and white Aquarius have been reassembled and colourised within the design of another outfit. Silk kaftans, much like a vast canvas, allow the twins’ paintings to come through beautifully. Saris are rife with colours, featuring borders that carry Persian motifs borrowed from their paintings.

His menswear also features text vignettes, stylised clouds and waves, borders and decorative motifs from several of the twins’ works, offering fashion lovers an artistic take-away, proving yet again that the art and fashion are strong counter-influencers! click here to view images from the collection on indiaartndesign.com

Cursive Or Longhand Writing Seems To Be A Dying Art

Cursive or longhand writing seems to be a dying art, but learning to write in cursive is relatively easy using the Montessori Method. With the proliferation of the keyboard and the computer it seems there is no need to start learning to write in cursive.

It looks like cursive writing is on the way out with most kids at school just printing in block letters. But it doesnt have to be that way. Learning cursive writing is quite easy and it is easier when your children are in kindergarten.

The Montessori system starts the child on learning how to use a pencil. This way the child is learning to scribble with a pencil to build up hand strength and coordination. Another unique part of the Montessori approach is sandpaper letters. I make up the words my child is learning at school in sandpaper letters and get her to trace the words.

The texture of the sandpaper helps to implant the words and letters on your childs mind. When your child in tracing the letters you should get her to say the words and the phonic sounds.

This system of learning to write in cursive is very simple because the child is actually writing the words as she traces the letters, without using a pencil. This sets the muscle coordination so when the child picks a pen she knows how to already write the letters.

Most children will start off writing with their finger in the air the same way as tracing the letters before writing with a pencil. I was very impressed with the Montessori system and now my daughter writes in cursive very well

Two Ways To Find Art Work At San Diego Art Galleries

In this article some ways to find San Diego art galleries are discussed that can help you to buy right quality of art work.

In California this major city San Diego is known for its vibrant art and culture. Art work here can mesmerize you and can allow you to buy best contemporary paintings. Now whether you need paintings or photographs, searching for San Diego art galleries can help you out. This place offers many things to the people in the form of art. Buying art work is easy here because you can easily gain enormous options.

Do you find it easy to buy art work by personally visiting galleries? It is definitely difficult because it involves you to spend time separately to visit gallery. Again visiting single gallery will minimize selection option for you. Visiting multiple galleries can allow you to find art work of your choice but it is time consuming task. Why don’t you consider visiting online gallery? Online gallery is considered to be reliable option to find paintings of your choice.

Visiting online galleries can allow you to view work of several artists under single roof. Hence you can find it easy to find the art work that can match you needs. Online galleries also offer convenient payment options which can allow you to place order efficiently. Again the customer service executive can make it easy for you to gain answers to your queries. Here are the two ways you need to keep in mind to find art work at San Diego art galleries:

#1 Determine your purpose of buying art work

Why you need art work? What kind of art work you need? Do you need paintings or photographs? Depending on your needs you need to determine your purpose of buying art work. If you need art work for office then look for paintings or photographs that are inspirational. In case if you need art work for your home then buy it that can match your home interior design and can render soothing ambiance. Buy art work that can add positive ambiance to your room.

#2 Set your budget and search accordingly

It is very crucial to set your budget and then buy paintings or photographs for your home or office dcor. Online San Diego art galleries can make it possible for you to find art work depending on your budget. So now it is possible for you find affordable paintings with proper research work. Search for the online gallery that can help you to buy paintings with soothing colors. It is very crucial to start research work once you have determined budget.

Naughty And Nice Gifts For Women

That special woman in your life has probably done a lot for you this year and the past years. She certainly makes sure that the house is in order. She makes sure the kids get to and from school on time. She helps you with the households finances and cheers you on when times get rough. Even if she works, she makes sure that dinner is ready by the time you come home. As sweet as she is sometimes, when you do something wrong, she will never fail to scold you and give you a piece of her mind. This is why this coming Christmas, you should give her a gift she truly deserves something naughty and nice. Here are a few creative gift ideas to get you started.

It is soon going to be Christmas once again and it is time to finalize that Christmas shopping list. It means it is time to come up with gifts for all sorts of people gift for men and women. A number of the naughty and nice gifts for her often involve something related to food, but not necessarily fit for consumption. A fine example of such a gift would be the Naughty but Nice Lip Gloss kit. This set includes 6 flavors of lip gloss which are shaped like a cake. Winter can be harsh on ones lips and these can keep those lips soft during the entire season. That time of year is never complete without delicious dishes either such as the Christmas pudding and cake. As an additional surprise, you can always give her a personalized chocolate Yule log. It may not last long, but it will definitely be a treat for everyone during Christmas dinner. If she is quite conscious about the calories, you can always choose to give her personalized silver or gold engraved My Last Rolo or chocolate sauce print. Both personalized Christmas presents can have her name written on them. They might not be edible, but she might appreciate those more if she really is counting her calorie intake.

You can test her willpower and self-control by giving her a gift like an Emergency Chocolate Bar which is made out of Belgian chocolate. She will at least have something in case she feels the need for such fine chocolate. There are a lot of other unique naughty and nice gifts out there for women. Look around and choose whats best.

Birthday Gift Ideas Can Be Derived From Online Stores In A Smooth Way

Everyone in the universe likes to celebrate their birthdays in a grand and special way. It is the day when one feels like a prince or princess as they get all the attention that they deserve. The day reminds you that you are special in your own way and people value you. It is essential to make a person feel special and get that special treatment from others. This treatment comes from the way the birthday is celebrated and also from the gifts that the birthday boy or girl get.
Birthday gifts should be such that will make the person happy. It should be unique and also useful. There are different types of gifts that can be counted among the birthday gifts. These gifts should be something different and should be useful to the one whom we are giving it. Every time gifting same old gifts can make someone feel bored. It is necessary that one should always bring in such gifts that should excite and charm the birthday person. Such types of gifts require some good ideas that will help a person to purchase it. This can be attained from the online gift shopping sites.
Online gift shopping sites can help in having some of the best birthday gift ideas. These ideas can help in making and selecting a great gift for any person. Online shopping sites are a great and an easy way through which some ideas can be available. There are some birthday gifts that are highly popular among friends and which can count among unique birthday gifts. But for getting such ideas it is very essential to get in touch with some reputed and renowned online shopping sites that is also called e-commerce sites. These sites can help in delivering of some great ideas.
Generally friends and relatives or close ones try to gift watches, cakes, cards, balloons, novels and so on for birthday gifts. This is usually something that people like and expect from others. Birthday gift ideas should be different from what others gift and it should make the birthday person feel special and happy. These online stores can be said as the best and easy way through which people searching for birthday ideas can get ideas as well as products even. A huge variety of gifts for different genre and for different age group is available. Not only this, but budget wise also one can choose a gift. This can help in making a selection of gift better and easy.
With availability of price tag along with every item, things work out to be easy for buyers. These things can be available along with the other birthday gift ideas that are not possible from any other way. Gifting someone with the best and economical gift can be easily available through such kind of online gift shops. The gifts can be purchased within budget as gifts of different budget is found at these stores.