Shaun Pierce
A Christmas Prayer
Loving Father, Help us remember the birth of Jesus,that we may share
in the song of the angels,the gladness of the shepherds,and worship of the wise
men.
Close the door of hateand open the door of love all over the
world. Let kindness come with every giftand good desires with every
greeting. Deliver us from evil by the blessing which Christ brings,and
teach us to be merry with clear hearts.
May the Christmas morning make us happy to be thy children,and
Christmas evening bring us to our bedswith grateful thoughts,forgiving and
forgiven, for Jesus' sake.
Amen.
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STOP FORECLOSURE WITH CALIFORNIALOANRATE.COM
We will work with you to develop a plan that best serve your particular needs. We will then negotiate with your lender to incorporate any changes that are needed to make the plan acceptable both to you and to your lender. Keeping you in your home is advantageous to the lender. Our job is to help them appreciate that advantage.
SHORT SALES MAY SELL YOU SHORT
You may have been told that a short sale is your only course of action.What you may not have been told is that you may be dealing with the consequences of that action for many years.
DEADLINE SENSITIVITY
We understand that you may be facing immediate deadlines and that any delay can mean a loss of meaningful options for relief.
BEYOND BANKRUPTCY
Though we are happy to assist you with bankruptcy, should that be necessary, we believe it is an option that is avoidable more often than people realize.
TYPICAL RESTUCTURING PLANS
Restructuring plans may include:
Adding delinquent payments and any foreclosure fees to the back end of the loan. This may include a permanent reduction in your interest rate.
Forbearance plans may be used to temporarily halt the foreclosure process for up to four years while you make payments to become current with the lender.
GOALS OF NEGOTIATION WITH YOUR LENDER
In our negotiations with your lender we are seeking to lower your payments, lower the interest rate, mitigate any negative impact on your credit rating, and keep your home from going into foreclosure. The lender benefits by continuing to receive payments on the mortgage, and saving on the costs that would be incurred in a foreclosure.
WHAT WE NEED FROM YOU
We will need to document your income and expenses for the last two years. Documentation will include pay stubbs, tax returns, bank statements and property tax bills, and all of the paperwork associated with your mortgage. We will need copies of your bills to document your financial situation and the factors that led to your falling behind. Please provide any other letters or notices that demonstrate that you faced a reduction in your income or higher than expected expenses.
TELLING YOUR STORY
We will ask you to prepare a draft letter that explains in your own words what factors have led to your need for a modification from the lender. It is important that you author this letter, and that it is not generic. Please include the details that bring to life the financial difficulties that you have faced. If you feel that you were not properly and fully informed regarding the terms of your loan, please describe the process by which you came to sign the loan papers and what your understanding of the terms of your loan was at that time.
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Let me get your attention by telling you this: If you ever meet anybody Bill Clinton pardoned, please if you know what’s good for you, don’t ask them any questions. That’s what happened to me. There is a man in Denver that received a full pardon from Death Row 20 years ago. Bill Clinton let Guy go, SICK – SICK – SICK!!!!!! Guy Killed Juanita Broaddrick’s best friend’s father!!!!!! Everybody knows Juanita had a private meeting with Bill Clinton, nobody knows why she was there… Juanita I think went to see Bill Clinton to discuss the execution of GUY, the murderer of her best friend’s father!!! Now how hard is it to figure out what happened at that private meeting??? HMM – I’ll bet my life that Bubba said something like this to Juanita; “Baby just give me a BJ and I’ll kill that GUY”!!!!!! I think she said “NO”!!!!!!! Then Bubba RAPED, raped her and vindictively set GUY free!!!!!! That is what she says anyway, and I for one believe her!!!!!!!
Father God, if this is the truth then please help me to get this out to the world!!!
I now know I have enough circumstantial evidence to accurately say that Bill & Hillary Clinton, Osama Ben laden, GUY and the wacked out left are all in cahoots, this story will tie them all together!!!
I now know that the real ANTHRAX KILLER came after me and tried to set me up as the ANTHRAX KILLER!!!!!! It took me 6 months to get this all figured out but I did figure it all out. Here is what happened to me:
I got nosy with Guy a guilty condemned to die murderer that Bill Clinton pardoned because he didn’t get a BJ from a pretty girl named Juanita Broaddrick!!!!!! After I asked Guy if Juanita and her best friend had any interest in his case Guy started to act very – very scary!!!!!! Then Guy told me I was going to loose my Job, my car and I was going to become homeless. Then that cock sucker gave me a list of homeless shelters in Denver and told me I was going to need this to keep from living under bridges!!!!!! I thought to my self just who in the hell do you think you are, GOD!!!!!! Well those 3 things did happen to me and a whole lot more!!! I was interrogated by the FBI and during that interrogation I was accused by the FBI as being the ANTHRAX killer!!! Trust me after I was accused by the FBI of killing 7 people with ANTHRAX I was put on a watch list!!! Thank God for my best friend Steve and his wife Jen who took action early to save my life!!!
Time for Magic Questions:
1) – Why do politicians have the power to pardon sick evil condemned to die guilty murders??????
Answer: if you’re a sick evil politician and you want to find a killer to kill for you, where is a good place to find a Killer that will kill for you probably for free??????
DUH – how about death row
2) – Are there any dead people around the Clinton's??????
Answer: yes – yes – yes there are a lot of dead people around the Clinton's, and I think guy and some of the other pardoned murders that Bill Clinton set free DID IT!!!!!!
3) – Who else did this kind of evil shit??????
Answer: Adolph Hitler, Saddam Husain, Joseph Stallen, so Bubba is not the first evil Son Of A Bitch to figure this out…
4) – ANTHRAX is very – very hard stuff to get, in fact as my best friend puts it, “It’s easier to get a Million Dollars that it is to get ANTHRAX”!!! OK who is involved in this thing that would also be angry with me for getting nosy with a condemned to die Murder pardoned by Bill Clinton, is very smart, has a Million Dollars and could get ANTHRAX???????
Answer: DUH – Bill Clinton!!!!!!
5) – How did Bill Clinton Get ANTHRAX??????
Answer: HMM – didn’t Somalia capture Ben Laden and offer him up to Bill Clinton when Bubba was president??? Yes – yes – yes that did happen… HMM I’m starting to see a pattern here Bubba sets Killers free in return for favors later, and at the same time that ass hole goes after good men like Vince Foster, Bill Gates and me!!!
6) – Why would Bill Clinton want to kill innocent people with ANTHARAX??????
Answer: HMM – again easy to figure out. The wacked out left wants all the power, they want the Supreme Court, the House, the Senate, and the Presidency. Everybody was mad at the Bush Administration after the terrorists attacked us. So the wacked out left took control of Congress the first election after the attacks of 2001!!! The wacked out left is the power in Congress causing our military to appear inept in Iraq… Causing everybody to call the war in Iraq George Bush’s Vietnam… This is the same Bull Shit that happened in Vietnam, Politicians causing trouble in an attempt to gain more power… This really SUCKS!!!!!!
insurance
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insurance
insurance
Insurance
insurance
in law and economics, is a form of risk managemet primarily used to hedge against the risk of a contingent loss. insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of as a guaranteed small loss to prevent a large, possibly devastating loss. An insurer is a company selling the insurance an insured is the person or entity buying the insurance. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice
Any risk that can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as "perils". An Insurance policy will set out in detail which perils are covered by the policy and which are not. Below are (non-exhaustive) lists of the many different types of insurance that exist. A single policy may cover risks in one or more of the categories set out below. For example, auto insurance would typically cover both property risk (covering the risk of theft or damage to the car) and liability risk (covering legal claims from causing an accident). A homeowner's insurance policy in the U.S. typically includes property insurance covering damage to the home and the owner's belongings, liability insurance covering certain legal claims against the owner, and even a small amount of coverage for medical expenses of guests who are injured on the owner's property.
Business insurance can be any kind of insurance that protects businesses against risks. Some principal subtypes of business insurance are (a) the various kinds of professional liability Insurance also called professional indemnity insurance which are discussed below under that name; and (b) the business owner's policy (BOP), which bundles into one policy many of the kinds of coverage that a business owner needs, in a way analogous to how homeowners insurance bundles the coverages that a homeowner needs.
Vehicle insurance
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the Insurance company. You agree to pay the premium and the Insurance company agrees to pay your losses as defined in your policy. Auto Insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most countries require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year.
In the United States, your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
Home insurance
Home insurance provides compensation for damage or destruction of a home from disasters. In some geographical areas, the standard insurance excludes certain types of disasters, such as flood and earthquakes, that require additional coverage. Maintenance-related problems are the homeowners' responsibility. The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing. In some countries, insurers offer a package which may include liability and legal responsibility for injuries and property damage caused by members of the household, including pets.
Health insurance policies by the National Health Service in the United Kingdom or other publicly-funded health programs will cover the cost of medical treatments. Dental insurance, like medical insurance is coverage for individuals to protect them against dental costs. In the U.S., dental insurance is often part of an employer's benefits package, along with health insurance
Disability Insurance policies provide financial support in the event the policyholder is unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgages and credit cards.
Disability overhead Insurance allows business owners to cover the overhead expenses of their business while they are unable to work.
Total permanent disability Insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance.
Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expenses incurred because of a job-related injury.
Casualty Insurance insures against accidents, not necessarily tied to any specific property.
Casualty Insurance
Crime Insurance is a form of casualty Insurance that covers the policyholder against losses arising from the criminal acts of third parties. For example, a company can obtain crime Insurance to cover losses arising from theft or embezzlement.
Political risk Insurance is a form of casualty Insurance that can be taken out by businesses with operations in countries in which there is a risk that revolution or other political conditions will result in a loss.
Life Insurance
Life Insurance provides a monetary benefit to a decedent's family or other designated beneficiary, and may specifically provide for income to an insured person's family, burial, funeral and other final expenses. Life Insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity.
Annuities provide a stream of payments and are generally classified as Insurance because they are issued by Insurance companies and regulated as Insurance and require the same kinds of actuarial and investment management expertise that life Insurance requires. Annuities and pensions that pay a benefit for life are sometimes regarded as Insurance against the possibility that a retiree will outlive his or her financial resources. In that sense, they are the complement of life Insurance and, from an underwriting perspective, are the mirror image of life Insurance
Certain life Insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. Some policies, such as annuities and endowment policies, are financial instruments to accumulate or liquidate wealth when it is needed.
In many countries, such as the U.S. and the UK, the tax law provides that the interest on this cash value is not taxable under certain circumstances. This leads to widespread use of life insurance as a tax-efficient method of saving as well as protection in the event of early death.
In U.S., the tax on interest income on life Insurance policies and annuities is generally deferred. However, in some cases the benefit derived from tax deferral may be offset by a low return. This depends upon the insuring company, the type of policy and other variables (mortality, market return, etc.). Moreover, other income tax saving vehicles (e.g., IRAs, 401(k) plans, Roth IRAs) may be better alternatives for value accumulation. A combination of low-cost term life Insurance and a higher-return tax-efficient retirement account may achieve better investment return.
Property Insurance
Property insurance provides protection against risks to property, such as fire, theft or weather damage. This includes specialized forms of insurance such as fire insurance flood insurance earthquake iinsurance home insurance inland marine iinsurance or boiler insurance
Automobile insurance known in the UK as motor insurance is probably the most common form of insurance and may cover both legal liability claims against the driver and loss of or damage to the insured's vehicle itself. Throughout the United States an autoInsurance policy is required to legally operate a motor vehicle on public roads. In some jurisdictions, bodily injury compensation for automobile accident victims has been changed to a no-fault system, which reduces or eliminates the ability to sue for compensation but provides automatic eligibility for benefits. Credit card companies insure against damage on rented cars.
Driving School insurance provides cover for any authorized driver whilst undergoing tuition, cover also unlike other motor policies provides cover for instructor liability where both the pupil and driving instructor are equally liable in the event of a claim.
Aviation insurance insures against hull, spares, deductibles, hull wear and liability risks.
Boiler insurance (also known as boiler and machinery insurance or equipment breakdown Insurance insures against accidental physical damage to equipment or machinery.
Builder's risk insurance insures against the risk of physical loss or damage to property during construction. Builder's risk Insurance is typically written on an "all risk" basis covering damage due to any cause (including the negligence of the insured) not otherwise expressly excluded.
Crop Insurance "Farmers use crop Insurance to reduce or manage various risks associated with growing crops. Such risks include crop loss or damage caused by weather, hail, drought, frost damage, insects, or disease, for instance
Earthquake Insurance is a form of property Insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners iInsurance policies do not cover earthquake damage. Most earthquake Insurance policies feature a high deductible. Rates depend on location and the probability of an earthquake, as well as the construction of the home
A fidelity bond is a form of casualty Insurance that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals. It usually insures a business for losses caused by the dishonest acts of its employees.
Flood Insurance protects against property loss due to flooding. Many insurers in the U.S. do not provide flood Insurance in some portions of the country. In response to this, the federal government created the National Flood Insurance Program which serves as the insurer of last resort.
Home iInsurance or homeowners' See "Property Insurance
Landlord Insurance is specifically designed for people who own properties which they rent out. Most house Insurance cover in the U.K will not be valid if the property is rented out therefore landlords must take out this specialist form of home Insurance
Marine Insurance and marine cargo Insurance cover the loss or damage of ships at sea or on inland waterways, and of the cargo that may be on them. When the owner of the cargo and the carrier are separate corporations, marine cargo insurance typically compensates the owner of cargo for losses sustained from fire, shipwreck, etc., but excludes losses that can be recovered from the carrier or the carrier's Insurance. Many marine Insurance underwriters will include "time element" coverage in such policies, which extends the indemnity to cover loss of profit and other business expenses attributable to the delay caused by a covered loss.
Surety bond Insurance is a three party Insurance guaranteeing the performance of the principal.
Terrorism Insurance provides protection against any loss or damage caused by terrorist activities.
Volcano Insurance is an Insurance that covers volcano damage in Hawaii.
Windstorm Insurance is an Insurance covering the damage that can be caused by hurricanes and tropical cyclones.
Liability Insurance
Liability is a very broad superset that covers legal claims against the insured. Many types of iInsurance include an aspect of liability coverage. For example, a homeowner's Insurance policy will normally include liability coverage which protects the insured in the event of a claim brought by someone who slips and falls on the property; automobile iInsurance also includes an aspect of liability iInsurance that indemnifies against the harm that a crashing car can cause to others' lives, health, or property. The protection offered by a liability Insurance policy is twofold: a legal defense in the event of a lawsuit commenced against the policyholder and indemnification (payment on behalf of the insured) with respect to a settlement or court verdict. Liability policies typically cover only the negligence of the insured, and will not apply to results of wilful or intentional acts by the insured.
Directors and officers liability Insurance protects an organization (usually a corporation) from costs associated with litigation resulting from mistakes made by directors and officers for which they are liable. In the industry, it is usually called "D&O" for short.
Environmental liability Insurance protects the insured from bodily injury, property damage and cleanup costs as a result of the dispersal, release or escape of pollutants.
Errors and omissions Insurance See "Professional liability Insurance under "Liability Insurance
Prize indemnity Insurance protects the insured from giving away a large prize at a specific event. Examples would include offering prizes to contestants who can make a half-court shot at a basketball game, or a hole-in-one at a golf tournament.
Professional liability Insurance also called professional indemnity Insurance protects insured professionals such as architectural corporation and medical practice against potential negligence claims made by their patients/clients. Professional liability may take on different names depending on the profession. For example, professional liability Insurance in reference to the medical profession may be called malpractice iInsurance. Notaries public may take out errors and omissions Insurance (E&O). Other potential E&O policyholders include, for example, real estate brokers, IInsurance agents, home inspectors, appraisers, and website developers.
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