:Information About The Home Foreclosure Process

Even in case you miss one mortgage payment, you may find that you are in danger of having the foreclosure process begin. Now, this does not necessarily mean you are inevitably going to be foreclosed upon, but the mortgage company is going to tell you that they did not get your payment and that you should send it immediately.

Usually, you will get these letters for two to three months if you don't make a payment, and nothing else will happen. If you pay on time, nothing else should occur and everything should be fine as far as your mortgage goes. However,  ti will appear on your credit accountit  that you have been past due on your mortgage payments.

How the foreclosure process unfolds if you don't make your payments:

Notice to accelerate:
Once you are sixty days past due, you will get what is called a notice to accelerate. At this point, you will need to bring the loan current and nothing else will do, usually, to stop the foreclosure process. You will need to pay the past amount plus any late fees they assess you.

You may also receive a threatening letter saying that if you do not pay by a certain date, they may accelerate the due date of the loan and start the foreclosure process. The letter may also tell you that if you do not pay the amount past due and they accelerate the due date of the loan, you will also be responsible for any attorney fees added to the delinquent amount.

The demand letter:
If you do not respond by paying the full amount due on the date the mortgage company has established in their notice to accelerate, they will hire an attorney and this attorney will forward you what's called a demand letter. This letter formally notifies you that if you don't bring your loan current immediately, the foreclosure process is going to go ahead within the court system.

Notice of default
If you do not respond to the previous demand letter by paying the full amount due plus any attorney fees, the lender will then file a formal foreclosure notice with the court. This is a notice of default, and will list the entire amount you need to pay. You have about twenty to thirty days to respond to this judgment before the foreclosure process proceeds further.

The notice of sale:
If you have not previously responded to the demand letter or to the notice of foreclosure, you will be given a notice of sale after twenty to thirty days have gone by, the period of time you were given to respond to the notice of foreclosure. This particular notice simply sets the sheriff's auction date, and your house will be sold at auction at that point.




Be aware that this is the foreclosure process the mortgage lender takes if you do not respond at any other point in the process. With the exception of the last step, the notice of sale, you have the ability to stop home foreclosure, in some cases, as long as you stay in communication with the bank.

:Eight types of wine and a quick homemade wine recipe

Syrah:
(Pronounced: Sah-ra or Shi-raz) 
Shiraz or syrah are two names for the same variety. Europe vintners only use the name syrah.
Food pairings: meat (steak, beef, wild game, stews, etc.)
Origin of the grapes: syrah excels in California, in Australia, and in France’s Rhone Valley.
Typical Taste Characteristics: aromas and flavors of wild black fruit (such as blackcurrant), with overtones of black pepper spice and roasting meat. The abundance of fruit sensations is often complemented by warm alcohol and gripping tannins.
Toffee notes if present come not from the fruit but from the wine having rested in oak barrels.
The shiraz variety gives hearty, spicy reds. While shiraz is used to produce many average wines it can produce some of the world’s finest, deepest, and darkest reds with intense flavors and excellent longevity. You’ll discover Syrahs of value and elegance by reading reviews of French wines.

Merlot:
(Pronounced: Mare-lo) 
Easy to drink. The softness of Merlot has made it an "introducing" wine for new red-wine drinkers.
Foods appropriate for this wine: any will do.
Origin of the grapes: a key player in the Bordeaux blend, merlot is now also grown in Italy, Romania, California, Washington State, Chile, Australia, etc. It is the fourth wine grape variety in terms of coverage worldwide (after sultanine blanche, airen blanc, and grenache noir).
Typical Taste Characteristics: typical scents include blackcherry, plums and herbal flavors. The texture is round but a middle palate gap is common. The Merlot type of wine is less tannic (rough) than Cabernet Sauvignon.

Malbec:
(Pronounced: Mal-bek) 
Foods appropriate for this wine: all types of meat-based meals, foie gras. Argentine Malbec suits Mexican, Cajun, and Indian dishes, if you insist on having wine with such meals.
Origin of the grapes: malbec has its origins in the French Bordeaux region. It is grown as côt in the Loire Valley and auxerrois in Cahors. Malbec has also been recognized as médoc noir or pressac again in France. Malbec is widely grown in Argentina, where it is the most popular red grape variety. It is also available in Chile, in Australia, and in the cooler regions of California.
Typical Taste Characteristics: malbec’s characteristics vary greatly depending on where it is grown and how it is transformed. Generally it produces an easy-drinking style, well colored wine that tastes of plums, berries, and spice.
Malbec is often blended with other varieties such as cabernet franc, cabernet sauvignon, merlot, and petit verdot to make Bordeaux style wines. Malbec and some such blends may present some health benefits.

Cabernet Sauvignon:
(Pronounced: Ca-burr-nay so-veen-yaw) 
Widely accepted as one of the world’s best varieties. Cabernet sauvignon is often blended with cabernet franc and merlot. It usually undergoes oak treatment.
Foods appropriate for this wine: best with simply prepared red meat.
Origin of the grapes: cabernet sauvignon is planted wherever red wine grapes grow except in the Northern fringes such as Germany. It is part of the great red Médoc wines of France, and among the finest reds in Australia, California and Chile.
Typical Taste Characteristics: full-bodied, but firm and gripping when young.
With age, polyphenols polymerize: the grip fades away. The rich currant qualities of the Cabernet Sauvignon wine change to that of pencil box. Bell pepper notes remain.
Vanilla notes if present come not from the fruit but from the oak treatment. They increase review ratings but may overwhelm the varietal taste.

Pinot Noir:
(Pronounced: Pee-know na-wahr) 
One of the noblest red wine grapes. Pinot noir is difficult to grow, rarely blended, with no roughness.
Foods appropriate for this wine: excellent with grilled salmon, chicken, lamb and Japanese dishes (notably sushi rolls).
Origin of the grapes: makes the great reds of Burgundy (from Bourgogne, France), and good wines from Austria, California, Oregon, and New Zealand.
Typical Taste Characteristics: very unlike Cabernet Sauvignon. The structure is delicate and fresh. The tannins are very soft; this is related to the low level of polyphenols. The aromatics are very fruity (cherry, strawberry, plum), often with notes of tea-leaf, damp earth, or worn leather.
Yet pinot noir is very transparent to the place where it is grown. The staggering range of wines produced makes it pointless to define which personality is the best expression of the variety.

Zinfandel:
(Pronounced: Zin-fan-dell) 
Perhaps the world’s most versatile wine grape, making everything from blush wine (White Zinfandel), to rich, heavy reds.
Foods appropriate for this wine: very much depends on the freshness/heaviness of the wine; tomato-sauce pasta, pizza, and grilled and barbecued meats.
Origin of the grapes: only found in California.
Typical Taste Characteristics: often a zesty flavor with berry and pepper.


Sangiovese:
(Pronounced: San-gee-oh-ve-zee) 
Foods appropriate for this wine: a good choice for Italian and other Mediterranean-style cuisines.
Origin of the grapes: sangiovese produces the Chiantis of Italy’s Tuscany region and, of late, good wines from California.
Typical Taste Characteristics: the primary style is medium-bodied with fresh berry and plum flavors.


Barbera:
(Pronounced: Bar-bear-a) 
Not as popular as Merlot but with similar attributes.
Foods appropriate for this wine: barbera wines are versatile: they match many dishes, including tomato sauces.
Origin of the grapes: another classic red of Italian origin. Widespread in California.
Typical Taste Characteristics: juicy black cherry and plum fruit, a silky texture and excellent acidity.


And here is a quick recipe for homemade wine:

Ingredients:

1 (.25 ounce) package active dry yeast
4 cups sugar
1 (12 fluid ounce) can frozen juice concentrate - any flavor except citrus, thawed
3 1/2 quarts cold water, or as needed

Directions:

Combine the yeast, sugar and juice concentrate in a gallon jug. Fill the jug the rest of the way with cold water. Rinse out a large balloon, and fit it over the opening of the jug. Secure the balloon with a rubber band.
Place jug in a cool dark place. Within a day you will notice the balloon starting to expand. As the sugar turns to alcohol the gasses released will fill up the balloon. When the balloon is deflated back to size the wine is ready to drink. It takes about 6 weeks total.

Employment Background Check Tips

Whether you're looking for a job as a nanny, as an accountant or as a garage employee,  be advised, A  background check will be conducteit.

Generally, background inspections are carried out on potential employees to know the individual better. Companies employ agencies for the job of criminal record check. The check done might be a simple someone to all encompassing based upon the positioning and also the institution by which the first is hired.

A number of products that form a part of background inspections although not restricted to are: Criminal history Criminal history records of the job hunter is completed in detail. You can do this browsing some web pages internet sites or studying the country criminal search. Background search is carried out for illegal immigration, citizenship or work status, thievery, robbery and murder.

The analysis could bring to light an action of misdemeanor. But this isn't seen seriously as criminal offenses. An action of misdemeanor is condoned when one reaches age 18. The functions of vandalism, trespass, small-time robberies come under misdemeanors. No matter whether they are committed after age 18, they're explainable and will not hinder employment even just in government jobs.
For any driving job you ought to emerge clean inside your driving and vehicle records. You need to haven't gotten involved with traffic accidents or released tickets.

Be above board on money matters. The loan history, financial transactions ought to be unblemished. Using intoxicating substances and substance abuse will also be ingredients of background inspections for employment in companies.

Here are some tips and pointers to help you do it easily:

1.  Always inform potential employee that a background check is performed, a good and trustworthy employee     has nothing to hide.
2. if at all possible, use a well-known background check company, since the resources available are larger.
3. Give yourself time to perform adequate testing. A comprehensive background check is a really vital tool spent on many employers to help weed out those that may be detrimental to your company/ life/ work place.
4. Comprehensive background checks for some people still seem like things from past times, on the contrary, Nowadays A background check is the minimum in order to sleep quietly at night.
5. Tell the truth, Apparently, it will set you free and hopefully it will get you a job.

?Can anyone tell me what is Forex

First of all RELAX

FOREX or in it's full name "the foreign exchange market" or "currency market"  is the market where one currency is traded for another. It is one of the largest markets in the world.

A number of the participants in this market are merely seeking to exchange a foreign currency for their own, like multinational corporations which must pay wages and other expenses in different nations than they sell products in. However, a large part of the market is made up of currency traders, who speculate on movements in exchange rates, much like others would speculate on movements of stock prices. Currency traders try to take advantage of even small fluctuations in exchange rates.

In the foreign exchange market there is little or no 'inside information'. Exchange rate fluctuations are usually caused by actual monetary flows as well as anticipations on global macroeconomic conditions. Significant news is released publicly so, at least in theory, everyone in the world receives the same news at the same time.

Currencies are traded against each other. Each pair of currencies thus constitutes an individual product and is traditionally noted XXX/YYY, where YYY is the ISO 4217 international three-letter code of the currency into which the price of one unit of XXX currency is expressed. For instance, EUR/USD is the price of the euro expressed in US dollars, as in 1 euro = 1.2045 dollar.

Unlike stocks and futures exchange, foreign exchange is actually an interbank, over-the-counter (OTC) market, meaning there is no single universal exchange for specific currency pair. The foreign exchange market operates twenty four hours a day throughout the week between individuals with Forex brokers, brokers with banks, and banks with banks. If the European session is ended the Asian session or US session will start, so all world currencies can be continually in trade. Traders can react to news when it breaks, rather than waiting for the market to open, as is the case with most other markets.

Average daily international foreign exchange trading volume was $4.0 trillion in April 2010 based on the BIS triennial report.

Like any market there is a bid/offer spread (difference between buying price and selling price). On major currency crosses, the gap between the price at which a market maker will sell ("ask", or "offer") to a wholesale customer and the price at which the same market-maker will buy ("bid") from the same wholesale customer is minimal, usually only 1 or 2 pips. In the EUR/USD price of 1.4238 a pip would be the '8' at the end. So the bid/ask quote of EUR/USD might be 1.4238/1.4239.

This, needless to say, does not apply to retail customers. Most individual currency speculators will trade using a broker which will typically have a spread marked up to say 3-20 pips (so in our example 1.4237/1.4239 or 1.423/1.425). The broker will give their clientele often huge amounts of margin, thereby facilitating clients spending more money on the bid/ask spread. The brokers are not regulated by the U.S. Securities and Exchange Commission (since they do not sell securities), so they are not bound by the same margin limits as stock brokerages. They do not typically charge margin interest, however since currency trades must be settled in 2 days, they will "resettle" open positions (again collecting the bid/ask spread).

Individual currency speculators can work during the day and trade at night, taking advantage of the market's 24 hours long trading day.

How to manage your business expense

Business Expenses -"'Ordinary and necessary' expenses for your business are generally tax-deductible"

As you know every business incurs expenses. Even independent contractors, consultants, and freelancers pay for software, computers, or travel out of their own pocket to make their jobs easier. For incorporated businesses, being able to deduct expenses will reduce their business taxes. For sole proprietors, being able to deduct expenses has an even bigger impact: business expenses will reduce both the regular income tax and the self-employment tax.

To put it bluntly? Keeping track of all your business expenses will go a long way to reducing your tax liabilities.

That's a common question accountants hear all the time from clients. There's no hard and fast rule. The basic definition is that an expense must be "ordinary and necessary" for your trade or profession. this definition comes straight out of the tax law, so don't blame us for being vague. This topic is so huge, the Internal Revenue Service has devoted an entire publication to the topic of business expenses (Pub 535, if you feel like looking it up).

In a nutshell, a business expense has a legitimate business purpose. Like buying a copy of TurboTax so I can review it for taxes is a legitimate expense. Even an IRS auditor can see how having a copy of this tax software directly relates to my job. Taking my friends out for dinner, however, is not a business expense. Even though my friends might ask me tax questions or discuss how my business is going, the dinner really isn't about making a deal or negotiating a contract. IRS auditors are on the look out for personal expenses that are masquerading as business expenses.

KEEP THAT IN MIND!!!

The problems start when an expense may be partly personal as well as partly business related. A common example I encounter are freelance professionals who have a personal project that turns into a published article. A freelance writer, for example, might be repairing her house, and end up writing some tips that gets published in a magazine. Would her home repair expenses be legitimate business expenses? Or would they be entirely disallowed in an IRS audit? Or is this a middle of the road answer? As a general rule, the IRS will allow you to allocate the expense to personal and business use, and deduct the business portion on your tax return.

So here's a useful tip from me to you. Always keep track of all your expenses, even if you have doubts about being able to deduct them. It will be easier for you to ask your accountant about expenses if you keep track of everything