Why every homeowner, whoâEUR s experiencing a hardship, needs a REST Report? To begin with, the NPV (Net Present Value) test, that homeowners are required to pass in order to qualify for a loan modification under the Home Affordable Modification Program, or HAMP, is a complex algorithm that simply put, is intended to compare the investor's financial outcome if the loan were to be modified using the HAMP formula, incorporating the probability of the loan re-defaulting, with the outcome that would result from doing nothing and assuming foreclosure. Do you know your NPV? The ...

As the old saying goes "A son is a son 'til he takes him a wife. A daughter is a daughter all of her life." A new national survey shows mothers may indeed believe that saying, counting on their daughters as they age. Just in time for Mother's Day, the national poll found 70% of mothers with both a son(s) and a daughter(s) would overwhelming choose to move in with their daughter over their son if they could not take care of themselves. 68% of mothers say that, as they age, daughters will take better care of them than sons will. And 65% of mothers say their daughters, ...

Likno Software has released the latest version of its product, Likno Web Tabs Builder - version 1.0 build 136. It works as a user-friendly interface (GUI) to the popular jQuery open source library for creating stylish, feature-rich html tabs for web pages, with minimal effort/coding. All jQuery tabs are cross-browser (Firefox, IE, Chrome, Opera, Mozilla, Konqueror, Safari, etc.). Create feature-rich *HTML Tab Controls* for your web pages, with minimal effort and code via Likno Web/HTML Tabs Builder: a user-friendly interface to the popular jQuery open source library! Major ...

For the majority of sectors associated with Brazilian real estate, 2010 was the best year ever for investment in Brazil. And all sectors are unanimous in predicting further excellent business beyond 2014. The latest issue of 'Revista SFI', published by the Brazil Mortgages Association (ABECIP), offers an in-depth analysis of the current situation in the Brazilian property market with detailed insight from sector experts. The article finds that all sectors linked to real estate in Brazil (bankers, developers, suppliers, unions etc) are convinced that the property market ...

Five Star Painting is happy to announce the newest addition to their franchise team, Greg and Deone Parnell, opening the first Five Star Painting franchise in Wisconsin. Five Star Painting, WI has opened service in Waukesha County and is locally owned by spouses, Greg and Deone Parnell. The Parnell's are excited to be working with the Five Star Painting franchise team and to bring great painting services to the Waukesha community. "Waukesha County is a beautiful area with wonderful people. Our goal is to provide the quality painting experience that we would ...

The PA IPM News Spring 2011 edition is now available as a downloadable PDF file from Web site at http://extension.psu.edu/ipm/news/newsletters/spring/spring-2011/view. In This Issue: • Brown Marmorated Stink Bug Threatens Biological Mite Control - A Penn State biological control program that saves apple growers over $1 million in insecticide use each year is being threatened by the expected increase in pesticide use due to a new invasive pest, the brown marmorated stink bug. • Uninvited Guests - Ants • Penn State Fruit Fly IPM Program - Composting food scraps, napkins ...

April, 2011 - During the first Quarter of 2011, On Hold Inc., being one of the "'original" companies in the on hold messages industry, decided to re-brand themselves as "The Original On Hold" to better reflect their long-established foothold in the aforementioned industry as well as the originality of their work. Included in the re-branding process was the launch of their newly designed website, http://www.theoriginalonhold.com which include all - new features, including their online dashboard system known as Message Xpress, the industry first streamlined ...

Brazil Offers Pharma Large, Growing Market, Scott Sonnenblick, Partner at Linklaters LLP According to Linklaters LLP partner Scott Sonnenblick, the interest in Brazil goes across all segments in the pharma industry, large and small and Brazil provides access to a good research capability, a large market as well as access to a country that is growing rapidly. No wonder Amgen Inc. is buying São Paulo-based oncology drugmaker Bergamo for $215 million and reacquiring the Brazilian rights to products from Hypermarcas SA. Listen to The Deal magazine's David Holley speaking ...

Pit Bulls have a bad reputation, which is sad and in most cases undeserved. Many people don't know what excellent companion animals these dogs make and how gentle and charming they are, when raised by responsible people. Shelagh Begg, of HugABull Advocacy and Rescue Society (www.hugabull.com) provides eight things you should know about pit bulls. • The term "pit bull" refers to three related breeds: the Staffordshire Bull Terrier (around 30 pounds), the American Pit Bull Terrier (40-50 pounds), and the American Staffordshire Terrier (50-60 pounds). Many people ...

Extra Holidays by Wyndham recently re-launched its website with enhanced social media features for travelers seeking last minute travel deals (www.extraholidays.com). The website also includes travel photos, videos, Facebook, Twitter, blogs and travel promotions. Travelers seeking an unforgettable beach vacation, romantic weekend getaway, ski or golf holiday can stay in relaxing accommodations that are just like home no matter where they are. Check out the selection of vacation destinations and special offers: https://www.extraholidays.com/us-vacation-specials.aspx. Visit ...

The Florida Public Relations Association (FPRA) has honored Doreen Poreba, APR, with two Judges' Awards during the Treasure Coast Chapter's Image Awards competition, which honors excellence in public relations programs throughout Martin, St. Lucie and Indian River counties. The awards banquet was held April 20 at Indian River State College's Schreiber Center in Port St. Lucie. Poreba, who is president and founder of the Stuart-based PR firm, The PR Czar Inc., has personally won more than 60 professional awards during her communications career. Judges' Awards are presented ...

Citrin Cooperman, a leading regional accounting and business consulting firm, was ranked No. 7 among large companies by NJBiz magazine in its "Best Places to Work in New Jersey" competition, the firm announced today. Citrin Cooperman, one of 41 firms honored in the large company category (250 + employees), and one of 70 firms honored overall, was the highest ranking accounting firm among large companies. Last year, the firm was ranked No. 12 in the small/medium company category, and has been honored by NJBiz for three consecutive years. The NJBiz ...

After expanding their ranks and clientele base in late 2010 and early 2011, Triangle-based strategic branding agency Holy Cow Branding has implemented plans to continue growth by creating a data division through a merger with Rg-Analytics, a company that specializes in data and operations analysis. The merger of the two companies, which occurred on April 1, will allow Holy Cow to bolster its unique brand strategy offerings with enhanced data analytics. Rg-Analytics provides information gathering, data management, data architecture, and the development of real-time interactive ...

The Connecticut Real Estate Investors Association, or CT REIA, is announcing its 1st annual Business and Entrepreneur Summit. This event will take place on Saturday May 21, 2011, from 9:00 am to 4:30 pm at the Rocky Hill Marriott, 100 Capitol Boulevard in Rocky Hill, CT. Pricing for this event varies and is dependent on which ticket option is chosen. For ticket options, please visit bizsummit.info. Attendees of this event will meet some of Connecticut's most successful entrepreneurs. Attendees will network with peers and gain insight from leading national business experts. ...

On the closing day of the Sunscreen Film Festival, filmmaker Randy Stith and attendees viewed the Florida theatrical premiere of his documentary "Dead Wrong." The documentary tells the story of the Steubing family, whose life has been forever changed by the suicide of their brother and son, Matthew. At the age of 18, Matthew had begun to have trouble sleeping, nightmares and panic attacks. After a 15-minute interview, he was prescribed a popular anti-depressant - a drug with side effects that include: an increase in suicidal thoughts in those under the age ...

The One Group convention, which took place on 24 March featured a speech from new chief executive, Antonio Horta-Osorio. The LG Arena, which recently underwent a GBP29m redevelopment, was transformed into zones including interactive exhibition areas, an Olympic Village and an arena set up for the main plenary, and hosted by BBC's Fiona Bruce. The Olympic village hosted sporting celebrities including Olympic gold medal winners Jonathan Edwards and Mark Foster. Aspect worked with the Lloyds team to produce the event. The London events agency was responsible for project ...

The specialists that have been interviewed are: - Joost Nienhuis from Tripolis Solutions, - Michael Linthorst from Copernica; - Marc Borgers from Borgers & Straathof; - Jordie van Rijn from eMailMonday; - Robert Rebergen from E-Village; - Ernst Muller from Veritate; - Wouter van der Hucht from Ematters. Some summarizing conclusions A number of interesting matters emerged in the interview. On the basis of those, some summarizing conclusions: - Email is definitely not dead. All interviewed specialists agree and that's shown in the answers to question ...

For any new referrals to the DIRT program, current members will receive $10 DIRT Dollar$, to be used toward monthly membership dues, one-on-one personal training sessions or apparel. "Most of our clientele have been referred to us by a friend. Or they have seen the dramatic weight loss of one of their friends and want the same thing for themselves," says Kelli Musa, Co-founder of DIRT Fitness. "We wanted to reward our loyal customers by giving them something they want. It's a way of saying 'thank you' and keeping everyone motivated." About DIRT ...

Trading continues to develop its offering to the UK trading community, working to develop the best comparison and education website for CFD traders, comparing the CFD Brokers available and the education options needed to succeed as a CFD trader. Trading is very excited to be moving into a new office in London Bridge with views of the Tower of London and close to all our clients in the City and Canary Wharf. It's a huge step for the team so early on in our journey. Another exciting development for Trading is the initial work being undertaken with our creative agency ...

Offline browsers are designed to download selected web pages or entire websites for the later offline viewing in a browser, without connection to the Internet. However, most, if not all, offline browsers are difficult to understand and require knowledge of complex settings that are too complicated to understand except by highly technical or experienced users. MOB was designed to remedy this problem: It is simple and easy to understand rather than complex and confusing. When MOB is started, a simple toolbar appears in the upper right corner of your browser. Once a Web ...

CreativeMind Search Marketing, a Southern Maine-based inbound marketing agency, has become a Meltwater Buzz Solutions Partner for the JitterJam Social CRM platform. The JitterJam platform will further diversify the extensive social media management services Creative Mind offers its clients. JitterJam's unique combination of social media monitoring and analytics, digital marketing capabilities, and intelligent database provides businesses, brands, and agencies with a powerful set of capabilities to monitor the social web, engage their social communities, develop trusted ...

French singer-musician and composer Jean-Marc Lerigab, with his unique lyrics and smooth voice joins laExpose according to his Publicist Patrick Kapela. Kapela stated "they are very pleased with the mission and open-arms of laExpose'." Mille Jours Ailleurs is an incredible, collection of anointed melodies filled with praise and worship. Songs include Simplicite' and Tu es le DIEU TRES SAINT the harmony and melody is what this y-generation loves and relate too. He's got a powerful voice, and at the tender age of 11 he discovered his gift. Jean-Marc LERIGAB ...

As the baby boomers begin to retire and think about life after their careers, more and more folks are staying put in their current residence rather than downsizing, moving to assisted living, retirement villages or even nursing homes when the time comes. This is becoming commonly known as "aging in place". This presents an interesting dilemma for seniors who still need to maintain their home or have it retrofitted with bathroom, entryway, kitchen, and bedroom modifications to accommodate their ever changing lifestyles. This is where Professional Home Referrals ...

Cristallight announced today the release of the new version of the Home Business Card, one of the most popular mac product for the business card design and printing for MacOS X. The update brings the substantial improvement of the templates included with the product, and the product functionality. QR Code functionality improved, Bezier Path tool functionality improved, changes in image handling, power text make the use of the product even more easy and intuitive. The Home Business Card 1.3.0 update is available for download from http://www.cristallight.com. The Home ...

The field of book publishing today is not only unstable - it is being totally reinvented. Bookstores, both large and small, are closing. Ebooks have taken center stage. The number of books published annually is increasing exponentially. In this new model, successful authors must bring their product directly to the readers. Self-promotion and word of mouth are everything. Author Kris Tualla, award winning author of the Hansen series of historical romance novels, understands this. She has created 'Arizona Dreamin' - A Romance Reader Event' for Saturday, June 4th in Tempe, ...