Qualify For A Bankruptcy Mortgage Loan 5 Tips

By Robbie T. James

Bankruptcy is something that most people try to avoid at all costs. And yet, for some families or individuals, at some point it may become the only rational option in terms of finding a path back to financial stability.

There are a lot of reasons why a person may choose to declare bankruptcy. It could be due to the loss of a job, making it impossible for a person to keep up with their bills and expenses. For other folks, they may find that their outstanding credit card debt balance exceeds their annual income – and they decide that they do not stand much of a chance in terms of paying down that debt.

Many people hear horror stories about the bankruptcy of someone they know, whereby the person who declared bankruptcy is not able to qualify for any credit at all. This is particularly disturbing if you are considering bankruptcy – or have already gone through it – and would still like to buy a home of your own. How can you qualify for a mortgage, you may wonder, if you have gone through this?

If you are looking for a bankruptcy mortgage loan, consider these 5 tips for securing a loan faster:

1. Wait until your bankruptcy discharges completely before pursuing another loan:

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It is a good idea not to pursue any mortgage loan options until your bankruptcy process has fully discharged. There is a certain finality once everything is official, and that is the best time to start looking into your loan options.

2. If you own a home at the time of your bankruptcy, you will be able to keep your current mortgage:

Note that if you own a home as you are declaring bankruptcy, in most cases you will be allowed to keep your home – provided that you are able to keep up with your mortgage payments. If you are not, you should consider selling the home and finding something that is within your budget.

3. Within 18-24 months after your discharge, you should be able to apply for a new mortgage at similar rates:

There is evidence that shows that, on average, a person can usually qualify for a mortgage within 18-24 months after their discharge. The rate for which they can qualify is usually comparable to what they could have qualified for pre-bankruptcy.

4. Your chances of qualifying for a loan can be more favorable since you have less debt after your discharge:

In a way, your chances of qualifying for a loan can actually be more favorable than they were before. Even though your credit score undoubtedly took (or will take) a huge hit during this process, you are actually in a much better debt position after the process is over. You no longer owe nearly as much money – maybe none at all. This is actually quite favorable in the eyes of a lender.

5. Be sure to apply to at least 3 lenders:

Do yourself a favor and increase your odds of qualifying for the best-possible loan by applying with at least three mortgage lenders. Be up front with each of them about your financial past (they’ll find out eventually anyway!) and explain your credit-worthiness. Any current employment and proof-of-income records that you can present should help your case.

Consider these 5 tips as you look for the right bankruptcy mortgage loan.

About the Author: Find financial calculators, mortgage loan & bankruptcy credit repair tips at:

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U.S. Postal Service running out of money

Wednesday, March 25, 2009

Tensions are running high at the U.S. Postal Service as it faces an enormous budget shortfall. Even after announcing it was cutting 3,000 jobs, the beleaguered government agency is still quickly running out of money.

Postmaster General John Potter asked the United States Congress for help on Wednesday, once again bringing up the possibility of reducing mail delivery from six to five days a week. The service reduction would save approximately $3.5 billion this year.

Another way to cut costs could include changes to how it pays for its employee retirement plan, which would save a further $2 billion. Closing small and rural post offices is another possibility that has been discussed.

Many measures have already been taken to stem the agency’s losses. Construction of new facilities has been put on hold and existing ones put up for sale, millions of man-hours have been cut, and executive salaries have been frozen.

House Oversight Post Office Subcommmittee chairman Stephen F. Lynch (D-Mass.) has expressed reluctance with the plan to reduce service, saying “With the Postal Service facing budget shortfalls the subcommittee will consider a number of options to restore financial stability and examine ways for the Postal Service to continue to operate without cutting services.”

Other than cost cutting, Congress could also appropriate taxpayer dollars to fund the struggling Postal Service, which currently does not rely on public funding outside of a subsidy for international voting mail and services for the blind.

If nothing is done, the USPS will soon run completely out of money, and may be unable to pay many of its bills. Salaries are the agency’s highest priority to continue paying, though other debts may have to wait to be paid, said Potter. Last year the Postal Service lost $2.8 billion.

Commonwealth Bank of Australia CEO apologies for financial planning scandal

Thursday, July 3, 2014

Ian Narev, the CEO of the Commonwealth Bank of Australia, this morning “unreservedly” apologised to clients who lost money in a scandal involving the bank’s financial planning services arm.

Last week, a Senate enquiry found financial advisers from the Commonwealth Bank had made high-risk investments of clients’ money without the clients’ permission, resulting in hundreds of millions of dollars lost. The Senate enquiry called for a Royal Commission into the bank, and the Australian Securities and Investments Commission (ASIC).

Mr Narev stated the bank’s performance in providing financial advice was “unacceptable”, and the bank was launching a scheme to compensate clients who lost money due to the planners’ actions.

In a statement Mr Narev said, “Poor advice provided by some of our advisers between 2003 and 2012 caused financial loss and distress and I am truly sorry for that. […] There have been changes in management, structure and culture. We have also invested in new systems, implemented new processes, enhanced adviser supervision and improved training.”

An investigation by Fairfax Media instigated the Senate inquiry into the Commonwealth Bank’s financial planning division and ASIC.

Whistleblower Jeff Morris, who reported the misconduct of the bank to ASIC six years ago, said in an article for The Sydney Morning Herald that neither the bank nor ASIC should be in control of the compensation program.

Corruption endangers Brazilian government

Sunday, May 29, 2005

Brazil – Denunciations of political corruption threaten the Brazilian government. The most recent case involves a deputy of the political party PTB (who supports the government of the Brazilian President Luiz Inácio Lula da Silva) in a scandal of the services of post office.

Lula’s government representatives said that they will investigate all the denunciations and affirmed that the government is a victim of political enemies.


  • 1 Post office scandal
  • 2 Other cases
    • 2.1 Bingo’s scandal
    • 2.2 Mystery in mayor’s death
    • 2.3 The Minister Romero Jucá
  • 3 Sources
    • 3.1 English
    • 3.2 Portuguese

Top Five Expert Tips To Keep Your Pomeranian Happy And Healthy}

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Submitted by: Bruno

When thinking about adding another member in your family, you always consider a loyal, beautiful, intelligent, loving, sturdy, and healthy dog. The Pomeranian dog breed is a royal breed which has many great characteristics to be loved and adored. When you get a Pomeranian into your home in the form of a pet, it means that you are making a lifetime commitment to provide everything which the dog needs for a healthy and happy life. Pomeranian or Pom is a small size dog, just look like a toy and have a long life expectancy of about 12 to 16 years.

Owing the Pom is not a big deal, but the heed to Pom is considered a high errand. After choosing the Pomeranian as pet, the foremost query comes in mind that how to take best care of the Pom in my house? Will the Pomeranian live happily with me? Will the Pomeranian be the best breed for me? Now, you require some guidelines for special care in order to have a healthy and adoring relationship between you and your pet. This article is based on considering your problem and it would deliver top five tips to properly care the Pomeranian breed.

The very top way to make your Pomeranian loyal and lovable is that, you should pay an attention for his clearness, neatness and grooming. Although, the Pomeranian dogs are easy to groom and care for, they still need your consideration. You should daily brush their hairs and teeth, and give them bath on regular basis like give bath them once or twice in a month. You should clip their over growing nails. For overall health care, you should also visit a professional veterinarian, who is nearby to your home or he or she can be your family health practitioner, on frequent basis for regular checkup of your Pom.

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After grooming, another top tip to make your Pom loyal and healthy is to train it. Proper training is necessary for every dog, but most dog owners do not take care of it properly. A proper trained Pomeranian will not only make you happy, but also will be pleasurable for strangers. A trained Pomeranian is considered as a secure, safe, obedient, and pleasurable for all. Trained Pom is well behaved pet and definitely a proud to you. So, it is really needed for the owner or master to take the time out to train his Pomeranian properly. Another great way to train the Pom is to join a training class to get instructions from professional trainers.

Subsequent to your Pomeranian training, the next step for being a good Pomeranian breeder is getting more and more knowledge and complete information about the Pomeranian. You can get information by visiting the nearest dog breeders place or searching online. You can prove your level of goodness with your Pom by taking numerous tests and judging its behavior.

Good quality dogs food is the best way in getting your dog healthier. You can prepare and feed homemade dog food and also, there are many high brands of dog food available commercially. The very important aspect in caring your pet is the awareness of its vaccinations. Owner must be aware of the vaccination that is required by his pet. If you are not sure, it is better to consult with your vet and ask for vaccination chart.

In short, above defined attributes of good diet, professional checkup, good exercises, training classes and health arrangements are the boosting shots for your Pomeranian. So, you should consider your commitment with your Pom carefully, and there are very high rewards for compensating the work which is involved in caring for the Pomeranian.

About the Author: Bruno is a web entrepreneur and social media marketing consultant working for the Norwegian dog community website


where he is responsible for recruitment of new community members. He owns a lovely


and is participating in the

Pomeranian Forum

on weekly basis.



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Ontario Votes 2007: Interview with Green candidate Jim Reeves, York-Simcoe

Monday, October 1, 2007

Jim Reeves is running for the Green Party of Ontario in the Ontario provincial election, in the York-Simcoe riding. Wikinews’ Nick Moreau interviewed him regarding his values, his experience, and his campaign.

Stay tuned for further interviews; every candidate from every party is eligible, and will be contacted. Expect interviews from Liberals, Progressive Conservatives, New Democratic Party members, Ontario Greens, as well as members from the Family Coalition, Freedom, Communist, Libertarian, and Confederation of Regions parties, as well as independents.

Ontario Votes 2007: Interview with Green candidate Jim Reeves, York-Simcoe

Monday, October 1, 2007

Jim Reeves is running for the Green Party of Ontario in the Ontario provincial election, in the York-Simcoe riding. Wikinews’ Nick Moreau interviewed him regarding his values, his experience, and his campaign.

Stay tuned for further interviews; every candidate from every party is eligible, and will be contacted. Expect interviews from Liberals, Progressive Conservatives, New Democratic Party members, Ontario Greens, as well as members from the Family Coalition, Freedom, Communist, Libertarian, and Confederation of Regions parties, as well as independents.

Iran nuclear talks enter third day

Wednesday, October 21, 2009

Talks between Iran and three other countries continued on Wednesday in Vienna, Austria, as they try to work out a deal that will ease tensions over Iran’s controversial nuclear program. Diplomats from Iran, Russia, France, and the United States began the third day of talks at the headquarters of the International Atomic Energy Agency (IAEA).

Talks stalled on Tuesday, after Iran expressed resistance to aspects of the proposal, in which it would send most of its low-enriched — or below weapons- grade — uranium to Russia and France for further refinement, to be later used as reactor fuel.

The IAEA’s ambassador to Iran, Ali Asghar Soltanieh, described the ongoing consultations as being “constructive”.

Iranian Foreign Minister Manouchehr Mottaki said that Iran is opposed to France’s involvement, accusing the country of failing to deliver nuclear supplies in the past. “There is Russia, America […] I believe these countries are enough,” Mottaki said. “France, based on its shortcomings to fulfil its obligations in the past, is not a trustworthy party to provide fuel for Iran.”

Mottaki also added that an agreement would not mean that Iran would suspend its enrichment activity. “Iran will continue its uranium enrichment. It is not linked to buying fuel from abroad. The meetings with world powers, and their behaviour, shows that Iran’s right to have peaceful nuclear technology has been accepted by them,” he said.

IAEA chief Mohamed ElBaradei said on Tuesday that progress was being made and that technical issues still needed to be analysed. He said an agreement was still within reach. “I believe we are making progress. It is maybe slower than I expected. But we are moving forward,” he said.

ElBaradei added that while “many technical issues” had to be considered, talks were still “moving forward”.

US National Security Council spokesman Mike Hammer said that US and Iranian delegations held separate discussions on the proposed uranium enrichment deal, under the auspices of the IAEA.

A diplomat familiar with the Vienna talks said the parties now are considering a compromise deal that would allow Russia to sub-contract enrichment work to France, thereby meeting Iran’s request to avoid direct dealings with the country. The enrichment deal would be intended to ease concerns that Iranian uranium enrichment activities are aimed at developing nuclear weapons.

Meanwhile, the United Nations Security Council recently imposed three sets of sanctions on Iran for its refusal to halt its enrichment activities.

Selecting The Right Deck Builders Bulimba For You}

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Selecting the Right Deck Builders Bulimba for you



Looking for a deck builder in Bulimba, deck builder in Morningside or deck builder in every part of the world that is trustworthy could be very challenging. It is very tricky to locate one that will be able to give you a high quality job. Searching in the phonebook will not give you any hint as to who will be able to do the job properly and who might not. You might therefore end up phoning the very wrong company. Fortunately, it is possible to search for deck builders on the internet, and be able to locate the right deck builder that will do your job at a good price, while offering the best craftsmanship and working efficiently. You will also save some good time when you are looking for the right deck builder, if you consult the Internet. Here are few hints that can help you with the difficult job of selecting the right deck builder.

Previous work and feedback

Pricing should be the last on your list when looking for the right deck builder. This is because the right deck builder for you might not be giving you the job at a very cheap price and when the price is very cheap, it could automatically imply a low quality job. When you therefore have to choose between quality and price, it will be in your best interest, and even cheaper for you in the long run, if your decision will be based on quality. You can know the quality to expect by taking note of the type of materials that the construction company intends to use to construct the deck, the time frame that you were given for the completion of the work, the quotes that the builder give to you, customer feedback as well as researching the previous work.

Cost of materials and quality for the materials

Another thing to consider is how much the materials will cost and what quality the materials will be. Do not just conclude that the builder will be using the best quality, even though that is what the right builder will do. If you are giving just a block quote, insist they break it down so that you know how much they are spending on materials. You should keep in mind that high quality materials could mean paying more for the construction of the deck.


The experience of the deck builders in Bulimba or Deck builders in Morningside is also very important. You will want to see the deck they have constructed in the area, so that you can check the quality and the aesthetics. You will also need to be sure that they have experience in the type of deck you want, so that you can be sure of a professional job from the builder that you finally decide to go with. In all, the Internet is a great advantage for you, as you can research and get a lot of information about the different builders, before going ahead with your final selection.

It is possible to search for Deck Builders Bulimba on the internet, and be able to locate the right Deck Builders Morningside that will do your job at a good price, while offering the best craftsmanship and working efficiently.

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ARM to be bought by SoftBank

Tuesday, July 19, 2016

The United Kingdom’s (UK) largest technology company, ARM Holdings, confirmed on Monday morning that it had accepted an offer from the Japanese company, SoftBank.

ARM designs microchips used in many devices, including smart phones made by Apple and Samsung. It is expected to invest in the so-called Internet of Things, where many everyday items are expected to be connected to the internet into the future.

The deal, worth £24 billion (US$32 billion), is now expected to be presented to shareholders. The amount offered per share is 43% above the value at the close of trading on Friday. Shares rose by 45% on Monday morning in response to the announcement. Three-quarters of shareholders will need to approve the deal for it to go ahead.

ARM has said its headquarters will remain in Cambridge. Simon Segars, ARM’s Chief Executive, also said a pledge by SoftBank to double ARM’s workforce on the UK would be legally binding.

Philip Hammond, the UK Chancellor, said it would be the biggest investment into the UK from Asia, as well as showing that “Britain remains one of the most attractive destinations globally for investors to create jobs and wealth”. Theresa May, the UK Prime Minister, had recently questioned the benefit to the nation of such takeovers, but has said this one shows the UK can remain successful outside the European Union.