Mortgage professionals may experience problems when trying to locate good mortgage leads for their direct marketing efforts regarding reverse mortgages. A marketing plan may be in place, but without a list of potential clients, it can prove to be difficult launching the plan. Premier Data Direct now offers helpful database options of mortgage leads to provide professionals with ideal candidates for reverse mortgages Two primary lists of mortgage leads from Premier Data Direct may be helpful to mortgage professionals. New Mover Lists feature verified phone numbers and ...

UK personal training specialists MotivatePT have reported record levels of demand for personal training services in Manchester - a city that has become known for its health conscious attitude over the last few years. Yet less than a decade ago trying to find a personal trainer in Manchester may have proved a difficult task, as Manchester had the rather ignominious accolade of being named the UK's fattest city by the Daily Mail. In a national survey of health indicators, Manchester was highlighted as a city that took little interest in exercise and wellbeing, with a ...

Divorce is a stressful time in a person's life and it can make a person not think very clearly when making decisions. However, going through a divorce forces people to make serious financial choices at a time when they might not be at their best. Many people make financial mistakes that come back to haunt them after divorce. People can avoid these mistakes by taking a few simple precautions. Lacking information In many families, it is not uncommon for one of the spouses to handle the family's finances. In such cases, it is easy for the spouse who deals with the money ...

Increasingly, couples in California are looking for ways to streamline the divorce process and save some money. With divorce litigation being as contentious and as costly as it is, divorcing couples can often benefit significantly from trying to resolve their conflicts out of court. Many people avoid mediation because they believe that it is only for couples who already agree on how to conduct their divorce. This isn't true. Mediation is all about conflict resolution. However, instead of the adversarial model that is prevalent in divorce courts, mediators use a collaborative ...

With the holidays just behind us, many drivers in Illinois and across the country are enjoying the new gadgets they received as presents. For many Americans, this will include a new cellphone, equipped with all of the currently popular features, including GPS technology and the ability to surf the Internet from any location. While these devices serve many purposes and have a wide array of benefits, when used inappropriately, they can also have disastrous consequences, including dangerous motor vehicle accidents. Nevertheless, a new study from the Alliance of Automobile ...

Traumatic brain injuries can happen for any number of reasons. A lot of attention gets paid to TBIs in veterans and athletes, but it is just as likely that a serious brain injury could result from an everyday accident. A car accident, a slip and fall on an icy sidewalk or a fall in a nursing home can all result in TBI if the victim suffers a blow to the head. It is important to take brain injuries seriously. Traumatic brain injuries can have long-lasting consequences, even if the injury doesn't appear to be severe at the time of the accident. The risk is even worse for ...

If you find yourself having trouble paying your bills, you are not alone. The economic slowdown of recent years has put you in the same position as millions of Americans. Despite this fact, you may be thinking what your debt-relief options are. The answer depends on your particular situation, but for many, bankruptcy is the best choice. Benefits and limitations of bankruptcy Bankruptcy is a legal proceeding that allows people in debt to get a fresh financial start. Some of the things that bankruptcy can do for you are: - Stop your creditors' harassing phone calls - ...

Truck accidents frequently cause death and serious injuries to occupants of passenger vehicles. The speed of the trucks as well as the size of the vehicles makes it difficult for truck drivers to make quick moves to avoid potential accidents. Often, when an accident happens, the smaller cars and trucks absorb the complete impact of the crash. While many laws and design improvements have reduced the number of serious trucking accidents, officials have been trying to find ways to eliminate accidents completely. Much of the attention has been focused on truck drivers, and ...

Anyone can be charged with a crime; however, we never expect those who protect the law to be suspected of the very crimes they are supposed to enforce. Nevertheless, in December 2012, a Sanford drunk driving investigator was forced to take a field sobriety test after troopers say he drove the wrong way on a road for several minutes and left the scene of an accident. According to reports, Sanford officers caught the police officer after he hit another car and subsequently drove off in his vehicle. The Sanford officers followed the suspect for at least 20 minutes as he ...

Four veterans were killed and 16 more were injured in a Texas train wreck in November. Veterans and their families were participating in a parade intended to honor wounded veterans for their military service. The flatbed truck upon which they were riding was driven onto a railroad crossing and a fast-moving train crashed into the truck, causing the fatalities and numerous injuries. Veterans and families bring lawsuit Two couples on the truck at the time of the accident brought a lawsuit against the railroad company and the company that provided the truck. The lawsuit ...

After the Social Security Administration awards disability benefits to a person, the SSA periodically reviews the recipient's medical condition to see whether he or she still meets the SSA's definition of disabled and qualifies for benefits. People should be aware of what occurs during a disability review and how it could impact their benefits. How often does the SSA review disability? When the SSA makes an initial disability benefit award, it places the benefit recipient in one of three categories for review, based on the severity of the recipient's condition: - ...

If you file for bankruptcy, this financial event can remain on your credit report for approximately 10 years. The process will create a dip in your credit score, making it difficult to secure loans for big-ticket items such as a home or car. Furthermore, if you do obtain a loan, the interest rate could be significant. The good news is that you can take strategic steps to raise your credit score after bankruptcy. Working your way through the process will increase the likelihood of obtaining big loans within just a couple of years. Creditors know that a recent bankruptcy ...

Sex discrimination can happen to anyone and can happen anywhere, including at high executive levels and in professions requiring substantial education. A real life example One real life example comes from a lawsuit recently filed alleging sex discrimination. The plaintiff is a woman who began working for a well-known venture capital firm in the mid-2000s. The woman has degrees in engineering, law and business and claimed to be a perfect fit for the firm. A year or so after working as a junior partner, she had an intimate relationship with a colleague. When she ended ...

These days, it is nearly impossible to leave college without having taken out some student loans. Unfortunately, given the job market, finding a job to pay back those loans can seem like an equally daunting task. The federal government is considering a change to the student loan repayment system, hoping that the move could reduce default rates while improving fairness in the system. The proposal, which is modeled after the loan repayment system in the United Kingdom, would make automatic withdrawals from borrowers' paychecks. Loan payments would be tied to borrowers' ...

In Wisconsin, patrolling officers have seen a sharp increase in the number of people "huffing" and driving. Huffing involves the inhaling of hazardous contents of a spray can to get high. While the law is still evolving to include this practice in standardized vehicle codes, to date, huffing can be a form of reckless driving, which endangers other motorists on the road. Huffing and car accident cases In recent months, Oshkosh Police responded to two traffic crashes involving drivers suspected of huffing hazardous substances. In November 2012, police received ...

Texting while driving is against the law in Georgia. However, according to data published recently in the Atlanta Journal-Constitution, the prohibition may not be doing much to keep motorists safe. This is because law enforcement officials rarely punish drivers for violating the anti-texting law. The law went into effect on July 1, 2010. Since then, data from the Department of Driver Services shows that only 1,281 drivers have been convicted of texting while driving -- an average of less than 50 per month. The State Patrol says that its troopers only cite an average ...

Most of the country recently experienced a reprieve from the foreclosure epidemic plaguing the nation - unfortunately New Jersey was not included in this reprieve. While the nation as a whole enjoyed a 17 percent drop in the number of homes foreclosed upon - when compared to last year - New Jersey suffered an increase of more than one percent in foreclosed homes, according to a monthly report from CoreLogic. In addition, the same report shows that New Jersey ranks second in the nation in the percentage of homes in foreclosure - 7.7 percent in the process of defaulting, ...

Hampton Inn Gaffney South Carolina Hotel offers convenient lodging to guests attending the Battle of Cowpens 232nd Anniversary Celebration. Taking place at Cowpens National Battlefield, SC on January 19-20, 2013, the celebration will include two days of special talks, guided battlefield walks, weapons firing, calvary, and domestic skills demonstration. All activities are FREE! Visit www.nps.gov/cowp/specialevents.htm for more information. Special presentations and featured authors will include: - Dr. Melissa Walker, Converse College, author of The Battles of Kings ...

"It isn't that diets don't help you lose weight," says Dr. Stan Spencer, author of a new book, The Diet Dropout's Guide to Natural Weight Loss (Fine Life Books: 1/1/2013). "The problem is that as soon as you quit the diet, the weight returns." "Think of excess fat as a collection of bad habits," he says. "Lose the habits and you will lose the fat. Each time you give up one of these bad habits (all other things being equal), you will lose fat until your body naturally settles at a lower weight." Dr. Spencer says the key to successfully ...

After 10 years in service, DT Plumbing & Heating (www.dtplumbingandheating.co.uk) have put down a list of common plumbing problems in London. Protecting the home during the winter time is important because even small leaks can cause major issues and result in expensive repair costs. To be out well in advance can often help minimize costs and even reduce running costs. Below are some suggestions from DT Plumbing and Heating. To start with it's important to always insulate cold water pipes under the bath to avoid condensation and drips onto the floor. Call a certified ...

Happy New Year! Happy New Year! Or should that be happy new year, or Happy New Year's? And what is the situation if you are talking about an event that will happen in the new year? This one causes many grammarians to disagree. This writer suggests the following as a consensus: If you are talking about how business will be next year or an event expected to take place next year then no capitalization is required if the term 'new year' is used. You simply have a noun - year - modified by an adjective - new. In the new year we expect to see a 10% increase in sales. If ...

Corcentric, a leading provider of Accounts Payable automation and electronic invoicing solutions, today announced they will be hosting a no-cost 60-minute educational Webinar titled "Just the Facts: A Look into the Types of AP Automation Solutions." This Webinar, hosted by Rob DeVincent, Corcentric's Vice President of Product Marketing, will take place on Thursday, January 17, 2012 at 2:00 PM ET/11:00 AM PT. Many organizations' Accounts Payable processes are burdened with finding lost invoices, resolving exceptions, and reconciling supplier disputes. With an ...

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The Board of Directors of VII Peaks-KBR Co-Optivist Income BDC II, Inc. (the "Company") authorized and declared a special cash distribution equal to $0.077 per share, to be paid to stockholders of record at the close of business December 27, 2012, payable on January 17, 2013. This special distribution shall be paid exclusive of and in addition to the current annualized distribution of 7.35% per share, based on a $10.00 share price. On December 27, 2012, the Company also declared two semi-monthly distributions of $0.030625 per share each (an annualized ...

With Smokers Utopia nothing is off limits when it comes to electronic cigarette reviews and the companies behind them. While other review sites have sales type reviews with nothing but the good, Smokers Utopia covers the dirt on the companies that market them to the public. This week the site announced their South Beach Smoke Review and has just recently updated their SmokeTip Review so that consumers are informed of both the good and the bad of the products and companies that retail them to the smoking public. "We just believe people should get the whole story ...